BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-14
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get calls almost every other day from Capio partners. When I am able to answer I state that I do not owe the debt and that I have already contacted insurance company to verify. I am repeatedly told that you are stating that you refuse to pay the debt and we will note your account as such and when I try to speak to defend myself I am hung up on. This happens every time and I consider this harassment and falsifying records because I am not refusing to pay debt I am stating it is not mine to pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: IN
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022, I sent a 609 verification request of accounts listed on my credit report requesting the original account baring my signature. I was never notified an investigation was started. I than sent in a demand to comply letter as incorrect and inaccurate information on my profile has hurt me tremendously in opening new accounts.

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 2015-12-07
Company: North Shore Agency, LLC
State: KS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I could n't say who the debt is for but they are trying to collect on a debt for a magazine that not only I never ordered but never really wanted to read in the first place. I have tried to contact them but it is impossible to ever reach a real person to tell them to stop mailing me! I Do n't read magazines period!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX United Revenues was sent a request for validation of debt. On XXXX the debt collector sent correspondence that was not sufficient to my request. On XXXX another request was sent to the debt collector regarding the alleged debt. Although federal law requires a 30 day response, the debt collector has yet to validate this alleged debt with sufficient documentation and now they are in violation of the FCRA and should immediately removed this unverifiable information from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: Experian Information Solutions Inc.
State: NC
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 previously sent four dispute letters to Experian since XXXX of XXXX, in regards of a XXXX XXXX XXXX account number XXXX that was never validated I pointed out the inaccuracies on all three of my credit reports which shows the open date on XXXX  and XXXX is XX/XX/XXXX but on Experian, the open date is XX/XX/XXXX I wrote to them according to the FCRA this is not 100 % correct and it's inaccurate and it needs to be deleted. Also, Experian told me that unless I send them additional relevant information to support my claim and that they want investigate, even tho I pointed out the inaccuracies. This is my 3rd and final complaint before I sue Experian in federal court.

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 2022-02-19
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Hello, I have a huge concern that Equifax is not reporting the correct credit score. I have XXXX score. XXXX is XXXX, XXXX is XXXX and Equifax is XXXX. How is it possible for Equifax to have a XXXX point difference from XXXX when the credit report has all the exact same information? 

I have all XXXX reports attached for your review and would like for Equifax to review and update my credit score accordingly. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: National Credit Systems,Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I leased an apartment from a company called XXXX XXXX XXXX XXXX XXXX XXXX and vacated in XX/XX/2017. I had email correspondence with the manager whereby I asked them to draw any remaining money owed from my security deposit. That manager confirmed, I returned the keys and then never heard from the company for about 1 year. Then I got a call from National Credit Systems saying I owed all this money. They never provided any proof as to why I owed any money. They just berated me for weeks upon weeks saying I needed to pay. When I showed them the email correspondence with the manager and asked for any proof that I owed money, they provided nothing. Email correspondence is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: The Outsource Group, Inc
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Attempted to settle an unfair medical debt with Medicredit , INC . I was quoted a {$650.00} -- one-time payment and was disconnected. When I called back, I was was informed the company could NOT settle for less than {$750.00} --. The company refuses to acknowledge its initial offer.

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 2020-04-14
Company: Experian Information Solutions Inc.
State: NC
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:
I have been slowly and accurately been paying down my debt, my credit score goes up only by small amounts. When my car loan showed it decreased by XXXX which it actually decreased by more because I ALWAYS MAKE ON TIME PAYMENTS IN MY ACCOUNTS, XXXX AND XXXX LOWERED MY CREDIT SCORES BY 23 POINTS. The whole idea of paying down your credit obligations is to have your CREDIT SCORE GO UP NOT DOWN.

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 2016-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Subject : Re : Beneficiary XXXX TRUST DISCHARGE APPOINTED FIDUCIARY XXXX, ORDER APPOINTED FIDUCIARY, TRUSTEE, SURETY, GRANTOR, BANK OF AMERICA XXXX, CA XXXX BENEFICIARY OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Appointed fiduciary 's ORDER TO PRINCIPALS IS ORDER TO AGENTS HOW TO PREPARE BENEFICIARIES TAXES IRS/FTB How to Prepare IRS/FTB Fiduciary Taxes Social Security 's # XXXX How to Prepare Fiduciary Taxes. " Names of People '' the constructive statutory Vessel all cap letter name of the USA corporation of " names ''. Undertaking the XXXX XXXX XXXX XXXX of the US can not be taxed. 
WITNESS XXXX BENEFICIARY XXXX XXXX XXXX, XXXX XXXX XXXX Beneficiary/ Authorized Representative of XXXX Trust XXXX PENDING DEBT BY XXXX " XXXX XXXX XXXX ATTORNEY XXXX XXXX and IRS/FTB XXXX XXXX ''. 
XXXX XXXX The XXXX ( XXXX ) XXXX Trusts " names '' are the specific denial of rights of Real Property, Personal Property and Ecclesiastical Property for most men and women, corresponds exactly to the XXXX forms of law available to the XXXX of the Bar Association Courts. The XXXX form of law is corporate commercial law is effective because of the XXXX XXXX XXXX XXXX Trust. The XXXX form of law is XXXX and trust law is effective because of the XXXX XXXX XXXX XXXX Trust. The XXXX form of law is XXXX law is effective because of the XXXX XXXX Trust of Baptism. 
XXXX XXXX The Birth Certificate issued under XXXX Law represents the modern equivalent to the Settlement Certificates of the XXXX century and signifies the holder as a pauper and effectively a XXXX. The Birth Certificate has no direct relationship to the private secret trusts in " name '' controlled by the private banking network, nor can it be used to force the administration of a state or nation to divulge the existence of these secret trusts. XXXX XXXX Given the private secret trusts of the private central banks are created on false presumptions, when a man or woman makes clear their XXXX XXXX XXXX and claim over their own name, body, mind and soul, any such trust based on such false presumptions ceases to have any property. 
XXXX XXXX Any Administrator or Executor that refuses to immediately dissolve a XXXX ( XXXX ) Trust, upon a Person establishing their status and competency, is guilty of fraud and fundamental breach of their fiduciary duties requiring their immediate removal and punishment.

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 2016-08-10
Company: MORTGAGE CAPITAL ASSOCIATES, INC.
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
XXXX XXXX, XXXX # XXXX, Mortgage Capital Associates, Inc. XXXX XXXX XXXX. 
Changed the lender credit to {$500.00} from {$1500.00} for the HUD statement from the title company before closing on a 15 year refinance. This is a {$1000.00} drop from the last updated disclosure. 
They were slow in setting up an appraiser, did not set up an appropriate lock timeline given XXXX hot market, asking for papers that could have been supplied early on in process beyond the lock date. 
The claim that there were extra costs and delay because of the subordination notice. This subordination fee was already included in the dated XX/XX/XXXX detail. The appraisal was also competed before this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: SYNCHRONY FINANCIAL
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: Investigation took more than 30 days

Complaint:
I have sent Pay Pal and all 3 of the credit bureaus certified letters with documentation that I have been a victim of Identity Theft. Police reports, an Identity theft report, a letter from a physician 's office clearly stating that their records were accessed by an unauthorized person and that my information has been compromised. A copy of my driver 's license and social security card. I have written them 3 xs explaining the situation and they have only responded once with they need more time. It has been 6 months and they can not produce any documentation to support that these accounts belong to me. They are breaking the law by not removing and blocking this information from my accounts. They are causing damage to my credit.

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 2017-02-05
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have health insurance that would have covered this debt. It should have went to insurance after I paid my co-pay

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: LendingUSA
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
Loan was paid in full on XX/XX/XXXX resulting in a over payment of around {$650.00}. Few days after loan was paid, I called and requested a refund on the over payment. Towards end of XXXX, I called to see what the stasis of my refund was and the gentlemen stated a check was mailed on XX/XX/XXXX and due to the pandemic, the postal services were being delayed even though I've received all other mail correspondence pertaining to the loan being paid in full. I also checked with my local post office and was told that there were no delays in the mailing service and everything is on schedule. So I waited and called them back on XX/XX/XXXX and let them know I still haven't received the refund check. Now they tell me the check was not mailed on XX/XX/XXXX but was mailed on XX/XX/XXXX. Today is XX/XX/XXXX and still haven't receive my refund. After checking into this loan company, I see they have multiple complaints against them for doing the same thing and giving consumers a hard time refunding money with the XXXX. These complaints stem back several months way before the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: Netspend Corporation
State: TX
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
On XXXX XXXX, 2016 at about XXXX I was having breakfast with my son and his family. I got a text on my phone of a XXXX charge. I called netspend as soon as I saw the text because I hadnt authourized this charge. The rep I spoke with was nice she advised me there were 3 pending transaction adn asked me several time which of the 3 did i not authorize. I told her. At that time she stated she would be cancelling my card and sending me a new one. I asked this rep over 5 times if my new card would have the XXXX taken off it and she stated no that all the funds would be availabe once my new card came I explained to her that 2 of the charges were mine and i didnt want problems with those companies. again she stated dont worry im cancelling your card so it is a pending transaction and you will be fine. I told her my rent was due soon and I need to pay it. again she assured me and the restuarant ( i had my cell phone on speaker and was upset so everyone could hear my call ) i asked to have the card expedited and she said she would without a fee. Card arrives about 3 days later. XXXX is gone and XXXX expedited fee is gone. i contact netspend and was tld just the opposite of what i had been told by the rep who said since it was pending that it would not be taken. this rep said the mone was released to the merchant 2 days after my card was cancelled and now i have to file a dispute to get it back, i am so frustrated and all calls to the corp office are returned to me by robotic people who just talk from a script. I have seen that this apparently is a common practice of this company and something needs to be done. i have filed a complaint with XXXX but since they are so large no one seems to do anything to stop them, I need my maoney and now they told me that they would have an answer for me by XXXX on XXXX. i didnt authorize this charge. im told they have to make sure they go by the guidelines of regulation e. i need my mone im XXXX on a fixed income and have had to borrow to get thru the month due to this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: EQUIFAX, INC.
State: IL
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:
About XX/XX/XXXX I filed a dispute with this credit bureau reporting that the bankruptcy account listed on my credit report was inaccurate. Around XX/XX/XXXX I received this response : The company that reported the information has certified that the inofrmation is accurate. This item was not changed as a result of our processing your dispute. Please review your report for the details. XX/XX/XXXX I replied to the credit bureau stating that the information reporting on my report is inaccurate. Furthermore, the office of the clerk for the bankruptcy that is being reported on my report, stated in a response letter to me they do not report to the bureaus, but this credit bureau has a bankruptcy reporting on my credit and has it listed as XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX listed as the company reporting it. I would like this bankruptcy removed from my report immediately. If the bankruptcy is not removed within the time given by the law, I would like to pursue relief for the damage incurred by this false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: Oklahoma Student Loan Authority
State: NC
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:
During XX/XX/2019 I discovered that some of my friends were illegally obtaining specs to my devices and use mobile device management XXXX XXXX XXXX and XXXX software on my phones and devices. This allowed these persons to obtain credit, fraudulently sign for student loans, and launder money through my bank account from other schools I have not attended ( including XXXX XXXX. They used those loans for person purchases including purchases for their kids, trips, vacations, and divorce lawyers. Despite ample evidence and the hiring of a PI, I have no been able to get assistance outside of those I talk to on the phone. My banking institution I was with XXXX does not return emails or voicemails. The one police report I obtained, does not offer any information outside that I have reported identity theft. Also, fraud departments are not calling me back ( though this may be due to COVID  ). However, I am sitting at about XXXX of student loans that have been absorbed by my ex friends, and XXXX XXXX of fraudulent student debt with no resolve in sight of obtaining those funds back. I understand that my ex friends are influential, which is how they were able to put my phones and laptops on their company plans illegally, however I am not going to be liable for their Chick-fil-a runs in other cities all day. 

The school loans fraudulently obtained occurred while I was attended XXXX University beginning in the year XXXX. My loans are now almost maxed out. 

Also, I am aware that my name and address were changed fraudulently across all of my accounts, which is how I discovered SOME of them. Their address at XXXX XXXX XXXX. XXXX XXXX XXXX nc is listed fraudulently on my credit report. The XXXX XXXX picture I'm attaching is ONE piece of evidence. I called XXXX - the ONLY way they would have been able to put my phone on XXXX is that someone in XXXX XXXXr XXXX XXXX gave them specs to my device. I obtained a new XXXX XXXX XXXX XX/XX/2019, with a new XXXX, new number, and new email and XXXX XXXX - XXXX XXXX began showing on the phone. There is a ticket ID in XXXX for the craziness I have experienced # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: ALLY FINANCIAL INC.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I am overseas and my debit card was flagged and taken from me. I informed my bank that I was traveling well beforehand and on more than XXXX occasions. After many mix-ups, I was sent a new debit card that does not work and the bank has not been willing to correct for all the mistakes they have made. As a result, I am abroad with no access to my funds.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-15
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Square ( Cash APP ) Financial company will not allow access to my account which has {$450.00} held in the account established since 2020. I contacted the Support Chat for assistance that provided steps to access the account. I was unable to take the steps because I had no access, so the case was elevated and I was provided a $ XXXX, Ref # XXXX number. I provided all the pertinent information on the account to identify myself and others users on the account. After 3 weeks and 4 different CASH Support representative, a decision was made that could not be overridden. I asked was there a Fraud and Security Dept and they responded with the same comment. I ask for lead supervisor and they would not refer one to me. I ask about the balance in my account and it was stated that it was nothing they could or tell me. They stated there was nothing that could be done. I contacted the XXXX and saw over 4,000 complaints. I decided to file a complaint with CFPB. Attached are the email strand of discussion with CASH APP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: Experian Information Solutions Inc.
State: AR
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: Investigation took more than 30 days

Complaint:
XXXX FAILED TO FURNISH US A LIEN RELEASE FOR SAID PROPERTY AND MUST NOW CEASE ALL CREDIT REPORTING AT ONCE.

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