BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-24
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Hello, I have been having problems with Check N Go that have not been addressed to the correct party. Finally I am contacting CFPB to get this handled after years of struggling to remove Check N Go account off my record and credit report. I opened a Installment loan for {$3000.00} with Check N Go sometime around XXXX that had manual setups for payment, which i was always current on. Also the check was deposited into my account and the money from the check did not get spent in full so my balance had all monies in my account for any current payments. However, I unexpectedly received notification from XXXX XXXX XXXX that Check N Go cashed my full check for the full amount {$3000.00} which took out all the money from my bank account as well as disrupted scheduled bills on my account, leading to bounced checks and returned payments on my account. Eventually XXXX XXXX XXXX charged me a lot of return check fees and ending up in having to force close my account as well. When i tried to contact Check N Go at the location which i received my loan they informed me the employee who cashed my check no longer works at the store and that they could not help me. Also I was told to contact the fraud dept. for Check N Go but that dept. does not help and canceling/closing this account to show as cleared. I ended up having to pay all my bills and accounts that hit my credit report but the check n go account is still listed on my credit report also they have me on radar for bounced checks so it is hard for me to open up bank accounts. I have neither emails from Check N Go nor any phone calls regarding any missed payments because I was up to date with all payments. 
This year I contacted XXXX XXXX XXXX and had them pull up all of my account statements so I could see my available balances as well as pinpoint the exact timeframe where Check N Go cashed the held check for the full {$3000.00} that they had on file. My weekly payments where current and the money was in the bank for all payments until after they had cashed then check then my account went downhill. 

I also took the liberty of searching for others who have been affected from Check ' N GO financially by their installment loans. It seems this is not a new concept and a lot of their employees mishandle customer 's information as well as company policies in the way to conduct business with their installment loans and payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: CNG FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
Got a voicemail from a company who said on my voicemail this was my noticed that I am being processed and paper are being sent to the county I live in. The call was to verify my address. The call back number is XXXX. I called back and XXXX XXXX said I owned a payday loan from XX/XX/2009 with Check N Go. She told me they are processing paper work for defrauding a financial institution. She said the loan was for XXXX and the balance is now XXXX. I told her this questionable loan is 7 years old. She told me she has 10 years to sue me for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: Alliance Collection Agencies, Inc.
State: WI
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Company contacted me in mid XXXX. They implied that I had XXXX days before they would notify the credit rating bureaus. I explained that I was still disputing the medical bill with the hospital. 
I called to pay off the amount in full on XXXX XXXX 2015. They then informed me that they had notified the credit bureaus on XXXX XXXX. This tactic caused my credit rating to drop XXXX points, even though the amount was fully paid off within the implied XXXX day period.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-17
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
This payday company has been calling and sending emails to my sister, XXXX, despite of repeated information that my sister had a XXXX. 

They threatened to : 1. File information relating to your bad debt with a credit reporting agency, which could result in your inability to conduct business with other short-term lenders, write checks to retailers or merchants, or open checking accounts with banks. 

2. Refer or sell your past due account to a third party collection agency. Be advised, the third party who obtains your account, may in turn, undertake further collection efforts against your, including such legal action as may be permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: Coinbase, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I tries to open a cpinbase account on a new email address because the email I had used to sign up to coinbase wasn't going to be used by me anymore. Because of this simple thing coinbase banned my account. I have tried to get it opened again by coinbase but they answer my tickets ( about 6 now ) by stating that they can not help me and the can not tell me why and to try to open another ticket in a month. It has been almost a year now ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
KOHLS is attempting to collect on a debt that I do not owe. I was never aware that I had this debt. I did not receive any phone calls, or anything in the mail about the debt. I notice this debt recently when I pulled my credit. I immediately took the initiative to call & & pay the debt. I am demanding that they stop reporting this debt on my credit file.I do not owe the debt, and they are also in violation of my 30 day right to dispute, per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: CITIBANK, N.A.
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX I took a mortgage out with XXXX XXXX bank, in XXXX we fell on hard times and needed to refinance to get some money to pay my sons health care bills. CitiFinancial gave us a new mortgage where we took out XXXX. The interest rate was high but we needed the cash. When the housing market crashed we were in the position where I could not refinance to lower rate sue to the house being upside down. I struggled for many years and eventually had to file for bankruptcy. I get the house through this process. Then I had questions about home modification a few years after this, they told me that I had to wait till I was late on payments for three months before they would look at a modifications. So I did this. They said I was approved for modification, when I asked the terms they said they changed my rate from 8.125 % to 8.004 % and then took all the late payments and fees and put that in the end of the loan. I said that was not a modification, they said take it or leave it or they would foreclose on the property. So now I have a property that is even more upside down, they wont tell me who the investors are, the loan is not federally backed and I am in a position now as a single father where I cant sell my home, re finance or get a modification as they will not work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: HYUNDAI CAPITAL AMERICA
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
Received buyout quote from XXXX XXXX. As instructed by XXXX  customer service, paid the full amount in two electronic payments because their system had a limit for single payment below the buyout amount. The amount was paid well within the amount of time required for the buyout to be valid. 

Ive confirmed with XXXX  customer service that payments were received, and they also show in my XXXX  account online. It appears though that the payments have not been properly applied to buyout and the account remains active and therefore they will not release title. 

Finally, even though XXXX customer service indicates account is still active, which is why title is not released, XXXX  has reported to credit agencies that account is has been closed. Ive verified this through a credit monitoring service I use. 

The payments for the lease buyout were posted to my lease account online more then 30 days ago. I contacted them first about 2 weeks after that to determine when I might expect to receive title. This is when I first learned that there was a problem. XXXX  never once contacted me. Since then, Ive contacted XXXX  many times. I was told they do not have the ability to communicate any updates out to me, so the only way I can find out status is to call back in. Ive done so multiple times and talked to multiple people. So far everyone agrees that buyout is fully paid, they have all other required documents and account should be closed and title released. But, no one can actually confirm with department within XXXX  that is responsible for doing this that this is actually happening.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I had not used my Citi credit card since XX/XX/XXXX. In the time since XX/XX/XXXX, I was issued a new card ; however I never activated the card. Nevertheless, an unauthorized charge was made on my card without my knowledge in XX/XX/XXXX. Following receiving a notice that I had a delinquent balance in XX/XX/XXXX, I inquired about the balance with Citi and disputed it. Citi found in my favor on the dispute and reversed the charges including late fees and interest in XX/XX/XXXX. However, in XX/XX/XXXX I discovered that they had reported negative information in my credit report. I called Citi again to fix the issue, and they apologized and told me they would get the reporting fixed and I would receive notice in 5-7 days when it was complete. I simultaneously disputed the negative information with the reporting agencies. Over a month passed, I received no update from Citi ; however the credit reporting agencies noted that Citi had indicated that the negative information was in fact accurate. I called Citi again to try to remedy the situation. The first customer service representative was apologetic and told me that it looked like it had gotten lost in bureaucracy, but that she would get her manager to help. The manager was very rude, indicated that I did not deserve any notice of their actions regarding fixing their credit reporting despite the promises previously made, and also indicated that the charge was in fact authorized and proper despite Citi 's previous finding in my favor and that the card was not even activated. While I have not incurred any actual losses yet ; my credit score dropped by about XXXX points, which is concerning because I am trying to buy a house and secure a mortgage. 

The supporting documents attached show that my last activity was in XX/XX/XXXX, no payments were made recently, but the balances were cleared, the negative information in all credit reports, and the results of my initial dispute with Citi in which Citi found in my favor.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: Sequium Asset Solutions, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SEQUIUM ASSET SOLUTION Account XXXX Historical Info Original CreditorXXXX XXXX  Contact Info Phone Number ( XXXX ) XXXX AddressXXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX The company says I owe XXXX for a high speed modem that was hard wired in my apartment that I vacated. The address was XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX. I was told by the installers that the modem can not be removed because it was wired into the wall. I spoke to several representatives of XXXX and they took notes and scheduled a technition to reove the modem. I was told that I was not responsible for the XXXX becuase the modem was hard wired into the wall and I would not be able to return it to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: ENCORE CAPITAL GROUP INC.
State: MT
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
I recently discovered by viewing my latest XXXX credit report this past XXXX XXXX, XXXX that Midland Funding , LLC had entered a Civil Judgment into my Public Record. I had no prior knowledge of this suit and Judgment since I had not received any service thereof. 

This suit was filed in XXXX XXXX XXXX Court XXXX on XXXX XXXX, XXXX, with Judgment later docketed on XXXX XXXX, XXXX. My issue is this ; I had moved on XXXX XXXX, XXXX XXXX and have resided there ever since at the same address. 

I was fully aware of Midland Funding owning this debt since mid XXXX when I was, at that time seeking assistance from the Law Office XXXX XXXX XXXX XXXX XXXX, XXXX who is a highly rated debt settlment firm XXXX. I have since parted ways with this firm as of fall XXXX due to it 's rather high fees. My wife ( who is the sole wage earner ) and I suffered a significant financial setback in the form of her leaving her job at the end of XXXX due to an abusive boss. 

We had struggled all thru XXXX and into XXXX when we were finally getting back upon our feet, with our finances becoming more manageable. As of this past XXXX XXXX, I then decided to embark on settling our credit debts. I sent XXXX settlement letters via USPS Certified Mail to Midland Credit Management, XXXX for myself dated XXXX/XXXX/XXXX and for my wife 's account dated XXXX/XXXX/XXXX both of which were signed for and picked up, but got no response except for a simple letter ( dated XXXX/XXXX/XXXX ) thanking me for updating my contact info with them. They mentioned nothing about the suit or anything related to it, let alone any information on a judgment. 

Today, Wednesday, XXXX XXXX, XXXX I then made contact with Midland Credit Management and was directed to a woman named XXXX XXXX XXXX ext. XXXX ) who I was informed was handling my account. After speaking with her and some back and forthing, a supervisor then picked up who 's name was XXXX XXXX ( last name was difficult to understand due to his heavy accent ). XXXX he and XXXX sidestepped the issue of the judgment after I referred to it several times and after some discussion, I decided that the conversation was n't going anywhere positive. XXXX kept insisting the full amount of XXXX which included some {$77.00} related to the judgment was to be included in the amount to be negotiated, to which I insisted repeatedly that the judgment was invalid, but she would hear none of it. Their offer was a 40 % discount on XXXX debts, both my wife 's and mine. 

It 's worth noting in my opinion that while my accounts were with XXXX XXXX XXXX debt settlement law firm mentioned above, they were able to achieve a 60 % discount on my XXXX XXXX Bank XXXX XXXX XXXX, XXXX. {$680.00} debt for a total of {$270.00}. They, MCM, were not offering that very same deal at this time, but were very persistent on only offering a 40 % discount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX has not cooperated based on my court agreement from XX/XX/2017 where I agreed to make payments of {$40.00} per month. Today that balance is {$600.00} and they will not update my credit report to reflect the correct balance due. Also this account is no longer a charge off and they have failed to remove it from my report and update it accurately to show the payment agreement. Im attaching proof of the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: Express Collections, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this debt since XX/XX/XXXX with the Bureaus for reporting inaccurate information and since XX/XX/21 with the collection agencies. I requested for validation of the debt and sent me a unsigned contract and did not send all the requested validation documents and continue to report this information on my credit with XXXX XXXX. I asked for additional documentation and they just continue to ignore. Attached is the documents that they sent and an unsigned contract. They are violating my consumer rights! Also XXXX XXXX have not even opened and investigation not have alliance after i have requested for them to do so their hasn't been a recent report update or any documentation sent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: CITIBANK, N.A.
State: TN
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I settled my mortgage account in XXXX 2014 as agreed on between me and my mortgage lender. As of date my credit report is reflecting that my last date of payment was made XXXX 2014, and that I was delinquent several months after the final payment was made. I have continuously disputed this information under the FCRA with the credit bureaus yet the creditors keep verifying that the information is accurate. I then disputed the information with the creditor Citifinancial and they refuse to change the information to reflect the date of my last payment. They are not reporting accurate credit information. 1. The date of last payment is wrong 2. I ca n't be late on an account after it has been paid

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-17
Company: Eastern Account Systems of Connecticut, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
My Father passed away XXXX and had to move locations. Living at my new location I have not received any information regarding this debt from Eastern Account System. I was unaware of this and it was sent to collections. This XXXX XXXX my wife and I will be XXXX. We were aware of this debit while reviewing my credit score during our process of trying to purchase a home. If I knew this debit it would of been paid off in full along time ago if I received any statements or letters. On XXXX/XXXX/XXXX I have paid all debit in full and I am requesting this to be taken off my credit. When reaching out to Eastern Account System they seemed to not empathize with how important this is to be taken off. They also did not give me any options on how this can be erased. My wife tried contacting Eastern Account System leaving messages to the Manager XXXX. We have yet to hear back from them. I know if they are a collection agency it can be very frustrating to not be able to collect money from people and the same goes for me. I am frustrated that because I paid in full they do not care to contact me back to erase this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation