BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-17
Company: EQUIFAX, INC.
State: NM
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Contacted via email about a debt for two motorcycles I purchased. One was already repossessed, and the other one was not. Threatened many times about being sued, wages garnished, and possible arrest by police. Never received anything via mail, only calls and emails made/sent to myself as well as my mother. They said the same threatening things to her about what could happen to me, if the debt wasnt payed immediately, and continued to badger her without any permission from me to talk to her about my debt..They have offered a settlement, but they wouldnt provide a physical address of their business until my mother told them we wouldnt send any money without knowing where theyre located. They had originally asked for payment over the phone, and then gave a XXXX XXXX where to send it. When I searched for information on the internet I found on the XXXX that this agency name and address was closed, and many of their tactics where reported over and over in complaints to the XXXX. I did ask them about finding on the XXXX site where it said their business closed, and they told me businesses change all the time ... The name the collections agency gave me was XXXX XXXX XXXX, also used the name XXXX. The address they finally gave me after repeated attempts to get it from them is, XXXX XXXX XXXX XXXX XXXX with a zip code of XXXX. Im not sure where to go at this point, all the phone numbers I found associated with them say they are not in service. Even the ones on the website ( XXXX ) they gave me didnt connect me to anyone. I was told I needed to send the money two day express with no signature required, and that I would receive a clean title to the motorcycle, the one that wasnt repossessed, 1-2 weeks after they relieved the money. I did contact the original company I purchased the motorcycle from, but they were unable to give me any verifiable information about the debt. I called two different numbers. One of them I found on line, but the Yamaha representative couldnt tell me anything about the debt. Also called a Yamaha phone number given to me by XXXX, which told me the debt was bought out by XXXX XXXX. Ive never received anything from XXXX XXXX about this debt. XXXX XXXX XXXX said XXXX XXXX bought the debt, and XXXX XXXX is the third party used to collect the debt .... Ive been told so many things by XXXX XXXX XXXX, and many of them have been contradicted from one phone conversation to another, and from what is told to me vs what is told to my mother. Also, the information Ive found online doesnt substantiate the information XXXX has given me ... I have no idea where to turn at this point, or whom to believe. Any help you could give me would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Bridgecrest Acceptance Corporation
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Almost all of these corporate businesses double dip and hope that we the natural living people have been conditioned well enough by their XXXX XXXX, to pay them a second time. Please, excuse my ignorance prior to, but you all are out of your corporate mind to think you would get away with this. On top of that, I have been harassed by representatives from BRIDGECREST ACCEPTANCE CORPORATION. They contact me multiple times, send 3-4 texts a day, call from 3 different phone numbers and threaten to take MY PROPERTY, and send emails 3-4 times a week. Whats even crazier is that they work closely with XXXX XXXX XXXX XXXX to coerce people into making payments that are already paid as they are obligations of the United States according to XXXX XXXX. XXXX put, they simply capitalize off of natural living persons knowing what they are NOT knowing. Just evil. 
Ive spoken to multiple reps and asked them to send me a TRUE BILL and DOCUMENTARY EVIDENCE instead of an itemized ( statements online ) list of when my alleged debts are due. What they send is certified mail that is stuck to my door, for any and everyone who passes to see. Please understand, I know you are aware that a statement documents what was due and paid, whereas a TRUE BILL represents only what is due. I KNOW BRIDGECREST ACCEPTANCE CORPORATION aka the Bank has direct access into these Cesta Que Trusts and all they needed was my name, social security number and signature to start their FRAUDULENT ACTIVITY. According to the BILL OF EXCHANGE via HOUSE JOINT RESOLUTION 192 on XX/XX/1933, no one in XXXX has been able to lawfully pay a debt. Payment of debt is now against congressional Public Policy. Henceforth, every debt obligation shall be discharged. So why do you continue to proceed on the collection of an alleged debt when you know it is against the law? FRAUD -by definition is- wrongful or criminal deception intended to result in financial gain. AND doing business with XXXX, XXXX who willfully and knowingly choosing not to disclose certain information is fraudulent and misleading pursuant to 15 USC 1601 ( a ) which is to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid uninformed use of credit, and to PROTECT the consumer against inaccurate and unfair credit BILLING- which I am CLEARLY a victim of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My account from chime bank has unauthorized charges on it totaling XXXX. Chime closed my dispute and has sent no documents on why the dispute was denied. They say they are unable to verify the transactions. I opened a rebuttal chime just sends scripted responses and is doing nothing to assist me and have not provided me with a provisional credit. This issue has been on going for almost a month. All the charges were made to the same merchant who I have never heard of. I believe chime never did an investigation and closed my case the day before they had to issue a provisional credit. As they will not send any documentation proving an investigation was done. I have repeatedly received scripted responses from chime with no resolution in sight. All I want is my XXXX refunded to my account as I have never heard of this merchant

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Specialized Loan Servicing Holdings LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I requested a payoff statement from my mortgage company in order to pay off my mortgage in XXXX, XXXX. I received the payoff dated XX/XX/XXXX. I did not have the funds as quickly as I thought that they would be available. However, I did make a payment which posted on XXXX XXXX in the amount of {$560000.00}. 
That was the amount of the payoff. The payoff amount included a per diem cost of {$40.00} per day beyond XXXX XXXX. I requested another payoff from SLS and received a balance of $ {$9400.00} which I thought was excessive. I calculated my per diem amount by the number of days beyond my original payoff date and arrived at a figure of {$3500.00}. I contacted SLS but they were adamant on the balance that they provided. I also had another property, same issue, same dates. When I requested a second payoff from SLS, I received a balance of {$310000.00}. which was calculated until XX/XX/XXXX. I made the payment for the {$310000.00} and requested a second payoff which SLS provided in the amount of {$14000.00}. My per diem for delays was {$24.00} per day which I calculated to be {$2100.00}. I need assistance in this matter due to my inability to resolve with SLS.

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 2022-04-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit report XXXX has violated my rights In accordance with the fair credit report FACTUAL DATA has violated my rights In accordance with the fair credit report XXXX XXXX XXXX  has violated my rights In accordance with the fair credit report EQUIFAX MORTGAGE SER has violated my rights 15 U.S.C1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, INC.
State: CA
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:
I am sending this complaint the XXXX time following up my request for assistance to from XXXX, Equifax and XXXX Credit Bureaus for the removal of inquiries from my XXXX credit reports. I understand that inquiries on my credit report can impact my credit score, and as a responsible consumer, I strive to maintain an accurate and positive credit profile. Therefore, once more I kindly request your assistance, XXXX Credit Bureaus in promptly investigating and removing these inquiries listed below from my credit report : XXXX : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance to fair credit act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 section 6 a right to privacy section 604 a section 2 I did not give written permission

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Rosebud Economic Development Corporation
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I requested a payday loan of {$720.00} due to a financial hardship. When I initially submitted the application for the loan I never received an email stating that the loan was approved or the terms. I had to call the customer care line to find out that it was approved. I was told my email was misspelled and that was why I did not receive the email. I was told the email was corrected and I would receive the terms shortly but I never did. Their website does not easily show the term details when you log in. I finally located the document after I kept getting automatic payments taken out of my bank for the loan. I assumed the loan was paid because at least {$920.00} had already been taken for the {$720.00} loan. To my surprise the repayment amount is over {$3000.00}. I would have never in my life agreed to pay back {$3000.00} for a {$720.00} loan. The site is completely misleading and isn't transparent when requesting the loan.

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 2023-01-29
Company: Experian Information Solutions Inc.
State: GA
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:
Under section 605C of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are prohibited from including adverse information that resulted from a consumer being the victim of human trafficking after the consumer has notified the consumer reporting agency and provided the required information and documentation. I've provided all required documentation to the credit agencies to remove this information, as its states it should be removed in 4 days. The credit agencies have failed to respond to my request.

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 2021-05-17
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I had account with coinbase for over 2 years. I placed trades on and off. In XXXX I took radical decision, I decided to become an active day XXXX  in XXXX. I refinanced my house and put over XXXX in my coinbase account. I was doing very well. I was able to raise my account to over XXXX before They decided to lock my account. All I asked to help me access my taxes information to file my taxes. All of the sudden teceived an email from them saying we locked your account and they gave me instructions how to get my account back. It has been over week, I send over XXXX emails through their help desk because they dont have life customer service with no luck. All I received from case no and email stating that we assigned your case to a specialist and he will get back to you. I lost over XXXX since they lock my account. In XXXX market one week is too long. I am day XXXX and I close my trade either daily or next day. Another incident happened to me over month ago. They executed a stop limit sell I put on coin way below market price. They executed my trade at the stop limit price I put even though market price has not reached that price. They also send me case no with email stating that specialist will look into it. It has been over a month and I have not heard from them. I really hope you can help me regain my account back.. I am sure I am not the only victim. I really hope someone will investigate what s going on inside coinbase because they are committing frauds. Your help is greatly appreciated

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I was unemployed and receiving unemployment benefits from the Maryland unemployment, however the Maryland unemployment agency randomly selected some unemployment accounts that were using Bank of America debit card as payment method for a identification verification purpose. which means that my UI debit card was also put on a temporary hold/Deactivate. The identity verification review process were completed and, my account was clear and open by the Maryland unemployment, however My UI debit card remains closed. The Maryland unemployment contacted Bank of America to open my card and reactivate my debit card on the XXXX of XXXX up till now they have refused to do that. Multiple emails has been sent to Bank of America in regards to reactivating my UI debit card, but bank of America has refused to open my Unemployment debit card.

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 2022-03-30
Company: ACIMA CREDIT, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Acima has placed a collection on my credit which they have charged off. I never went through this company to receive any loan or whatever it was used for. This is a fraudulent charge that was accumulated sometime in the early part of XXXX. I have tried to dispute this account twice with no changes so Im going as far as I can to have this removed. My XXXX  account was flagged in XXXX for fraud due to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18
Company: Mercedes Benz Financial Services
State: GA
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:
My account has been paid in full since XXXX and Mercedes has yet to update my zero balance and account status to the three major credit bureaus. This is causing my debt to be higher than it actually is and is affecting my credit score and profile. I've contacted the credit bureaus and the company and I still have not received an update.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: EQUIFAX, INC.
State: FL
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 XXXX XXXX, recently reviewed my consumer report and noticed inquiries which I did not consent to, authorize, nor benefit from being reported on my Equifax consumer report. I submitted an identity theft report to the FTC on XX/XX/2022 and have mailed the FTC report to Equifax, instructing them to block and remove these inquiries from my consumer report, which they received on XX/XX/2022. I gave them more time to register the report into their system and remove the fraudulent inquiries being reported, but they only removed one inquiry, which does not result in a solution. I demand that they block and remove the remaining inquiries on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: MT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
As of XXXX XXXX, 2019, I have been contacted nearly ten times since XXXX XXXX, 2019, a span of a little over a week. I never answer these calls as my phone carrier has flagged them as spam. Each time they call, sometimes multiple times a day, they leave voicemails that are over ten minutes long. This practice is not only annoying, but illegal as per the Fair Debt Collection Practices Act ( FDCPA ) 1692-1692p.806.5, which defines harassment as " causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. '' At this time, I am disputing the debt collection practices this company employs as it is harassment, requesting debt validated, and taking the matter up with original creditor, should I be provided with their information in a timely manner. I will take legal action if need be.

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 2023-08-08
Company: Experian Information Solutions Inc.
State: GA
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: Was not notified of investigation status or results

Complaint:
I HAVE NOT RECEIVED ANY VERIFICATION OF DEBT REPLY. COMPANY VIOLATED THE CEASE AND DESIST BY REPORTING TO CREDIT BUREAU WITHOUT PROVIDING ME WRITTEN PROOF AS REQUESTED. I HAVE NOT RECEIVED ANY PROOF OF DEBT OR SIGNED DOCUMENT BY ME THAT VALIDATES THE DEBT AND ITS BEEN OVER 90 DAYS. LAW XXXX XXXX XXXX HAVE BEEN VIOLATED BY THE COMPANY 'S ACTIONS AND I REQUEST YOU TO REMOVE THESE NEGATIVE ACCOUNTS FROM ALL BUREAUS IMMEDIATELY! I WILL BE LOOKING TO FILE SUIT AND COMPLAINTS WITH FTC BECAUSE MY RIGHTS AND LIVELIHOOD HAVE BEEN AFFECTED BY THEIR ACTIONS!

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