BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-01
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have been harassed to where I had a mental breakdown from a debt collector from something 13 years ago ... MIDLAND CREDIT MANAGEMENT now deployed robo calls impersonating police and government saying I am committing a crime and said I would be arrested and a warrant out for unpaid debt of {$2200.00} from 2008 which was taken care of. I am scared. They also sent someone to my house. I filed a claim but you closed it after they lied to you and said they couldn't find my account. I have enclosed a screen shot of my account on here to prove they are the ones harassing me daily. They also did this for another very old debt from over 7+ years ago and sent packages and certified padded envelopes disguised as gifts but have threatening attorneys and police in the letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a {$300.00} line of credit through Kohl 's department store Kohl 's collection department calls me within 2 days of the due date making false statements stating wrong amount due, telling me I've been turned over to collections, trying to get more than the amount due. Calls received are approximately 3 a day, every single day from XX/XX/XXXX from blocked numbers and last evening it came through Kohl 's corporate office. I'm going to pay the balance, the harassment is unbearable. Most recently on XX/XX/XXXX even though I was not delinquent, rep stated I was delinquent, I asked if it was in collection and he said yes, I proceeded to ask why I would be reported to the bureau if my payment were due 2 days ago? He played a lot of games with me I made two attempts with him to pay. I was harassed for 27 minutes to try and make a payment he had issues with processing the payment I had a fight on the phone with the individual, he was extremely rude defensive and retaliated, he refused to identify himself or transfer me a to a manager. Subsequently I have continued to have calls from Kohl 's on a daily basis because I've been put in a collection loop even though on the same day after calling twice, a supervisor was was asked to make a note on my account the payment would be put in the mail, it should be there in 7 days. This is their method of operation every single month the payment isn't made early or on the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Unauthorized hard inquiry to my credit report by EQUIFAX MORTGAGE SERVICE on XXXX XXXX 2017. 
I did not apply for any mortgage loans and was out of the country at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My name and social security number were somehow breached and someone was able to file a fraudulent unemployment claim using that information. As a result, I was told to contact all three credit agencies to freeze my credit. I was able to do so with XXXX and XXXX but had difficulty with Equifax. The system locked me out and then sent me a verification code in the mail which failed to work when I tried to enter it repeatedly. I then called the company and had to answer questions in an automated system. The robotic voice is too difficult to understand and I apparently didn't answer all of the questions correctly. This system is problematic because there is no customer service person to engage with. For example, I was going through a divorce and my husband went to re-finance our mortgage. Since I wasn't present in the house for that transaction I didn't recall when or know what finance company he re-financed with to assume the mortgage on his own. This was one of the questions, so yet again, I have been locked out of even speaking to a customer service representative!! In the meantime, my credit remains unfrozen. 

Equifax is now requesting that I send my name, address, social security number, date of birth, copy of my driver 's license and a summary of my request. Are you kidding me? If someone intercepted that letter, my excellent credit could be ruined forever. This is outrageous and terrible customer service. I would like a human being to contact me to resolve this issue. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: Ditech Financial LLC
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage that was transferred to Greentree Servicing. Since the loan was transferred, the service is rude. Recently, my husband was off work due to a XXXX and we were late in making our payment. We advised Greentree that the payment would not be made until the XXXX of the month, when we would have another paycheck. They continued to call 3-4 times a day and also at my place of employment. I questioned this and told them that I had previously requsted that no calls be made to me at my place of employment. They indicated that the account was noted and they had called in error. In the past 3 weeks I have received over XXXX calls from Greentree at my place of employment by the same individual that indicated that my account was noted for no more calls. I had even gone so far as requesting that the phone number be removed from their system, yet they continue to call. My 2nd issue is that their billing statements do not list what the monthly payment is. We recently had an escrow change, and I paid that amount and the payment say in unapplied and was not credited to a payment. The analysis indicated my payment was {$1200.00} yet when I paid {$1200.00}, the payment again sat in unapplied and did not post to my account. Yet they continue to call me day and night AND at my place of employment. No where on the billing statement does it give a breakdown of what is due ;. Since the last notification I recvd for a payment change was the Analysis in XXXX, I have paid that amount yet, the payment still sits in unapplied. They refuse to indicate what the past due payment represents. Since the loan transferred to GT about 2 years ago, we were only late this one time XXXX XX/XX/XXXX 2016 ) and now the XXXX payment is sitting in undisbursed. They have an obligation to explain the amount due, which they do not. I want action taken against them for continuing to harass me at work multiple times a day when it is very clear that they have my request to not receive calls at work. Since my loan transferred, I have also been charged a late charge, when per my contract, I should have been. It indicates a late charge would be assessed on the unpaid principal and interest portion of my payment. I made the principal and interest prior to the end of my XXXX day grace period, yet they still charged me a late charge, because my escrow portion of the payment had not been paid ( I paid that the following week ). They are impossible to work with and do not answer questions when asked and frustrate me to the point where I ca n't take their calls. I have no intention of defaulting on my loan but they continue to treat me rudely and threaten me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have filed multiple disputes with XXXX concerning an unauthorized hard inquiry ( Comenity bank/XXXX XXXX Acct # XXXX ) and an unauthorized collection account ( XXXX XXXX Acct # XXXX ) {$1100.00} on my credit report. On XX/XX/XXXX, I sent my second round of disputes and the collection came back verified. On XX/XX/XXXX, I sent my third round of disputes and on XX/XX/XXXX, I received partial investigation results from XXXX that the hard inquiry and collection account was verified. This is a lie because on XX/XX/XXXX, Comenity Bank sent me a letter and also sent a letter to XXXX saying " After review of the XXXX XXXX Reward claim, we have concluded that you are not responsible for the disputed account. '' Also, the letter stated that they submitted a request to XXXX to remove this off my credit report. This is evidence from the creditor stating that the account isn't mine, so how does XXXX continue to say the hard inquiry is verified? That's a lie! Additionally, since XXXX would not remove the collection account off my credit report, I filed a XXXX complaint on XX/XX/XXXX on XXXX XXXX for having an unauthorized account on my XXXX credit report and on XX/XX/XXXX XXXX XXXX responded to the XXXX complaint stating, " We have no record of any disputes or communications with such complaint. However, today we submitted a deletion request to the credit bureau. '' This is evidence that the collection account needs to be deleted immediately. If the creditor has no record of three rounds of disputes, this lets me know that XXXX is not sending my dispute letters to each creditor and just annotating " verified '' on the investigation results when it wasn't verified. This is really starting to irritate me. I am also a victim of the XXXX data breach. This hard inquiry and collection need to be removed from my XXXX credit report today!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
This is my second complaint being filed for Capital one for the two accounts listed on my credit report. 

Validation letter was sent. Company responded but did not provide any supporting documentation requested. This was verification not validation of the debt. 

Capital one sent a second letter stating no statements or current balance could be provided. The account is closed/charged off. 

Attached is the original letter for validation. Capital ones 1st/2nd response for the two accounts in question. 

This 2 account are to be deleted immediately!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a dismissed Chapter XXXX that has been removed from my XXXX and XXXX credit reports however, it is still reporting on my Equifax credit report. XX/XX/2016 the dismissed Chapter XXXX no longer reported on my XXXX and XXXX reports. I contacted Equifax and spoke with several representatives and a supervisor. The supervisor informed me I could call back XX/XX/XXXX/XX/XX/2016 to request the item to be removed as it would be closer to fall off date. When I called today XXXX/XXXX/2016 to request the item to be removed I was told it stays on report for 10 years. This is not was I was told earlier this year and it is not what the other credit bureaus are practicing. Any assistance you can provide is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Target Visa was paid off & closed, subsequent fraudulent charge for an online subscription -- I did n't detect it for a few months or so. Contacted Target, but they did n't act. Eventually was charged off XX/XX/XXXX, and I sent a letter stating that I was not responsible for the debt to one collection agency XX/XX/XXXX, and a copy of that letter to the current collection agency about a year ago. Still, they call me several times a week, usually weekend days @ XXXX., so I have to unplug my phone to sleep.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: Eastern Account Systems of Connecticut, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Eastern Account Systems has falsely tried to collect debts from me 3 times. Each time I file a complain and request the debt be proved and they change the items on my credit report to {$0.00} balance, but leave it as it had been in collection with {$0.00} balance. I have requested they remove the fraudulent statements on my credit report and they will not do it. They work for XXXX/XXXX  XXXX  ( particularly WoW ) who give them false accounts and then they just accept the dispute and put it at {$0.00}.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: TFC Credit Corporation of California
State: CA
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:
Reference : XXXX, XXXX and XXXX # 1 XXXX XXXX XXXX XXXX TX This company is reporting that I owe them almost {$4000.00} for XXXX XXXX School opened in XX/XX/2018 1 ) I have NEVER attended this school 2 ) I do not have any student loans with XXXX XXXX school. 
3 ) XXXX schools across the country was CLOSED by the federal government several years ago for procuring fraudulent student loans under unsuspecting individuals names. 


# 2 TFC Credit Corp This company is reporting that I have a 'closed ' student loan account with them that is 119 days past due. 

1 ) I have NEVER attended any school that has a loan with them.

2 ) I do not have any school accounts.

This two companies above are reporting fraudulent accounts. Both need to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
For 2 years I was on the income based driven plan with navient, paying about XXXX a month. When I first started paying back my loans, they did not take into consideration my other private student loans ( approx XXXX dollars in other loans ). I called about 6 months ago to ask them about a question on my account, the representative told me to " consolidate my loans '' that I had with navient because I had a few loans with them. They completely failed to inform me that I would loose my 2 years that I already completed, towards the 10 I was working towards to get my loans forgiven because I work for a non profit. My initial question in the first place was what paper work do I need for getting my loans forgiven due to my non profit status. If the consumer is not under the income based repayment plan, you do n't qualify to get loans forgiven. I have since had to start completely over after finding this information out and change back over to the income based plan. I lost 2 years, approx. XXXX because of the advice this navient representative gave me. And they wo n't reconsider, even though I went back on an income based plan within 2-3 months after finding out after calling them about another question I had. I am a XXXX, I am drowning in student debt, and it 's insane that this company wo n't help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: WAKEFIELD & ASSOCIATES, INC.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit and saw an account for Wakefield & Associates for XXXX XXXX, XXXX. I have no idea what XXXX XXXX is I XXXX them and saw they were a medical billing. The fact they disclosed my medical record ( yes my bill is a medical record ) to Wakefield without me signing a medical release is a HIPAA violation. Not only that, I had already told the hospital I was homeless and needed financial assistance because I did not have medical insurance. I even completed the financial assistance forms at the hospital. I am not sure if the hospital works with XXXX but I never received any mail from them for any medical bills nor did I ever receive the right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX is listed that I do not recognize

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 2022-10-02
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Eye would like for the non-affiliated third party consumer reporting agencies such as XXXX, XXXX and equifax to produce the personal responsibility contracts, contractual obligations and/or partnership that Eye as the Natural Living Man established with them before since that already had personal information about me established in their database system before Eye was birth by the Natural Living Woman! Please be advised that everything is contractual in Nature, so when did Eye grant such financial institutions the privilege to benefit off of my sweat equity, property and intellectual property? Provide the proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collections company is trying to claim that I have medical services which I needed to pay for. The details of this case which is mentioned are illegitimate. I was under XXXX XXXX  when I was taken in for some type of XXXX XXXX or something. They essentially were trying to verify that there wasnt anything wrong with me & that I wasnt XXXX XXXX or had XXXX XXXX issues affecting my behavior. This is all I can remember about the details on this mentioned collection. The forced examination proved to show that I was in perfect health. So essentially it was a type of forced examination out of my control for no legitimate reason whatsoever. They found nothing wrong with me to validate their reasons for a forced examination & XXXX XXXX. I will never pay for medical services that are ever forced upon me ever, under any condition! For this company to try collect money from me for a service which was essentially fraudulent on every level makes them party to fraud!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Credit card
Issue: Other

Complaint:
I agreed to a balance transfer promotion which allowed me to get the money interest free for 12 months. I also made other purchases outside of that promotion. Today I want to pay off the balance transfer promotion amount. I called the company to get the amount and they advised. I stated I wanted to make that payment and I was told that because I have made other purchases and transactions, that my payments will first be applied to the new transactions/purchases and that based on their payment allocation abilities I the consumer am not able send in an amount for the exact amount due for the promotional offer and have that amount applied to the promotional offer which then leaves me to have to not only pay the promotional offer off, but also every transaction/purchase since in order to avoid interest on that promotional amount. This was never disclosed to me in any form or fashion. Other companies are able to specify which type of line the payment should go to " Specify where my payments are applied '' for example, but this company does not. Furthermore, I was given the wrong date to pay that promotional amount off, which has adversely caused me to be very stressed as I intended to pay it off when it was due and not earlier, they said a date earlier. I called again and got another date so now I really do n't know when it is due. I called to ask for my balance transfer consumer agreement and they advised that they could not give me that either. I asked where the general terms are, and they could not provide that. It is not in the best interest of the customer to apply a monthly payment to the line of credit with the lowest interest or to a promotion amount before applying it to an amount with the highest interest rate. That also happened without my consent. Their terms for " How my payment is applied '' state that " Generally, they apply it in a certain form or fashion, I as a consumer need to understand what " generally '' means, and how I can be satisfied by being able to make a payment to a promotional offer in its entirety without having to pay also purchases that were made afterwards that have no end date for incurring interest.

Company response to consumer: Closed with explanation