BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I look on XXXX XXXX bout my credit score and I keep seeing an account for XXXX XXXXXXXX saying I owe thousands of dollars that I do not know of. I have tried to dispute it and I keep getting continuous calls from collection agencies. Its very annoying and upsetting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02
Company: Experian Information Solutions Inc.
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:
Late last year in XXXX I heard about a company named XXXX, an App that could assist you with increasing your credit score. At the time I was looking for products to do just that, I debated for a bit because this particular company requires a down payment. Eventually I went ahead and moved forward I signed up and gave a security deposit of {$150.00}, the idea is you are borrowing against your own money and they report it as a trade line to the bureaus to assist with your credit. Everything was okay at first until one day my bank account which must be synced was disconnected. XXXX has essentially poor communication with their customers, I found this out when the issues raised. Due to the lack of real communication and explanation of why my account would disconnect or why I wouldnt be able to log in at times payments would have issues because the only way to make payment would be via autopay with synced account, or through the app to my knowledge. XXXX started to report me to the bureaus for late payments in the midst of me emailing them for assistance to get access to my account to make payments. They have virtually no response to emails outside of copy paste, their number doesnt give live agent access. If you dispute them with the bureaus you get no response from this creditor they just respond to the bureaus again with inaccuracies, The bureaus keep allowing them to report inaccurate information even when I provided proof. I even reported them to XXXX  and they were dishonest about following up with me repeatedly. Fast forward to this month they took {$120.00} from my bank after reporting my account as a charge off and still not responding to my correspondences. No explanation, my account is now paid in full and they refuse to update the bureaus with accurate information that the account is paid in full they refuse to delete the accounts from the bureaus and they refuse to return the security deposit. I dispute this with the bureaus and provided proof that they are indeed not reporting correctly and the bureaus still wont correct the information and are allowing inaccurate information to be reported! After doing research I should have done from the beginning I realized I am not the first customer to experience this with this company or the bureaus in relation to this company! They have ruined my credit history, essentially stole my money and at this time seem illegitimate. So I am reporting them in hopes that they stop this poor practice of false reporting and not communicating, or validation of the information they send. The bureaus are investigation must be more thorough to determine what is legitimate and what is not this is unacceptable.

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 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In accordance with the Fair Credit Reporting Act, these Companies have violated my rights. 
XXXX XXXX- Acct # XXXX XXXXXXXX XXXX XXXX XXXX- Acct # XXXX XXXXXXXX XXXX XXXX XXXX- Acct # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 UL.S.C. 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2021-03-16
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Coinbase has completely ignored mine and thousands of others request for assistance on their platform. Their XXXX has spelled my name completely wrong ( XXXX XXXX instead of XXXX XXXX ) and now I can not sign back into my account due to identification procedures. I have trying to communicate this mistake and how to fix it and it has been 4 months with 0 response from this company. Coinbase does not help any of their customers support tickets and needs to be stopped and investigated. Look online for this company they are scamming and abusing their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to formally request the immediate removal of inaccurate late payment entries appearing on my credit report. As a consumer, I have rights protected under the Fair Credit Reporting Act ( 15 USC 1681, Section 604 ( 2 ) ) and the Truth in Lending Act ( 15 USC 1666b ), which I believe have been violated in this case.

Under 15 USC 1681, Section 604 ( 2 ), my right to privacy appears to have been contravened, given that these late payment entries have been reported without my express written permission. Additionally, 15 USC 1666b states that all, requisite conditions must be met for a payment to be deemed late. I hold that these requirements have not been adhered to in my situation.

Consequently, I am formally requesting the immediate removal of all cited late payment entries from my credit report. Failure to rectify this situation may result in legal action on my part. Furthermore, I reserve the right to increase the demand I anticipate a response within XXXX days of this letter 's receipt, confirming the removal of these late payment entries from my credit report. Further non-compliance will leave me with no option but to pursue legal redress. 

Thank you for your prompt attention to this issue. I trust that you will take the necessary steps to correct these inaccuracies. These matters will also be reported to the XXXX XXXX, the XXXX XXXX XXXX office, and the office of XXXX XXXX 




Each and every late payment that has been reported should be removed from my credit report upon receipt of this letter. 
I have previously issued notices regarding this matter and the illegal credit transactions appearing on my report. Non-compliance with this request will push me to take legal action against all the parties involved. 
XXXX XXXX XXXX illegal late payments, XXXX Balance XXXX  XXXX XXXX XXXX payments, account : XXXX Balance XXXX XXXX XXXX late payment account XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX late payments of XXXX} XXXX XXXX illegal XXXX late payment of XXXX XXXXXXXX XXXX illegal XXXX late XXXX XXXX XXXX closed XXXX XXXX illegal late payment paid off closed XXXX XXXX XXXX XXXX late illegal payment account XXXXXXXX XXXX} I have attached my letters for your review

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 2022-06-02
Company: Southwest Credit Systems, L.P.
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:
XXXX XXXX is refusing to remove a collection item from my report from XXXX, stating that i owe them {$600.00}. I have been a very good and active customer with XXXX which is now XXXX, since the beginning of XXXX. This information is inaccurate and doesnt make sense. Either someone has used my information or has stolen my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
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: Information belongs to someone else

Complaint:
I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A certain individual used my personal information without my consent.

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 2022-07-24
Company: U.S. BANCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
When I was using my online banking at usbank.com, I saw a targeted offer saying that " Redeem your checking offer ''. When I clicked the offer, I saw the offer says " Earn up to {$500.00} when you open a new eligible U.S. Bank checking account and complete required activities. '' ( Attachment XXXX ). So I went ahead to apply and was approved for the checking account. ( Attachment 2 ). I finished the {$500.00} offer requirement " recurring direct deposits of two or more that total more than {$5000.00} '' and did not receive the bonus. After several conversations with XXXX from US bank customer service, I was told that my account isnt illegible for the promotions " due to having a prior account within 24 months of account opening and receiving bonus within 24 months of account opening ''. I replied to XXXX saying that " I was targeted this {$500.00} offer from US bank in my online banking, and I was not aware of the 24 months requirement. I clicked the offer, the offer code was prefilled, and my account was opened as usual, without any kind of warning saying that I could not get the offer. If I was warned in any way or my application was just rejected, I would not try to complete the requirements. Now the requirements have been completed for a while, and I would request the offer to be honored. '' The reply I got from XXXX saying " while I truly wish I could say otherwise bonus are done systematically so, we dont have a way to override the system, and apply the bonus ... ''

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 2023-09-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2023-03-29
Company: Bridgecrest Acceptance Corporation
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX I spoke with a representative regarding late payments to my account which shouldn't have appeared on my credit report due to a loan modification that was made during Covid. A hardship was offered that was covered under the CARES act. She asked that I email a copy of my credit report showing late payments and that within 10days would be corrected. I've yet to see the correction of late payments that qualified as loan modifications for the following dates. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Attached is the email that was also sent XX/XX/XXXX. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
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: Information belongs to someone else

Complaint:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: EQUIFAX, INC.
State: NY
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 am a victim of identity theft. I was getting emails from my credit monitoring services regarding new inquiries that I never authorized. I tried resolving this with the bureaus directly but they were all giving me such a hard time. I decided to take the matters into my own hands and submit an ID Theft report XXXX # XXXX XXXX These bureaus aren't doing their jobs and it is unfair that they seem to push my issue t the side or have me go through extra precautions for something that they can simply help me with. Please help me get these inquiries removed from my credit report before this gets any worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: EQUIFAX, INC.
State: NY
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 submitted a dispute asking Equifax to provide the method of verification of the Bankruptcy they're reporting in my name. They responded stating they verified the info by contacting XXXX XXXX. However XXXX XXXX said verbally and in my XXXX XXXX report ( Attached, XXXX ) that they do not list a bankruptcy for me. Also I called Equifax and spoke to a representative XXXX who said they received the bankruptcy info from the court house in XXXX, NY. I contacted the court house in XXXX, NY and they said in writing ( attached ) that they do not provide information to Credit Bureau Agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: Shellpoint Partners, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint addresses the calculation of interest charges that NewRez, LLC, has imposed upon the unpaid principal balance of my home mortgage loan ( NewRez Loan No. XXXX ) since XX/XX/XXXX. As a prelude to the information I am providing herein, please be advised that I filed a prior complaint ( ID No. XXXX ) with the Consumer Financial Protection Bureau for interest charges that were errantly applied to my account between XX/XX/XXXX, when NewRez began servicing my home mortgage loan, and XX/XX/XXXX. This prior complaint was satisfactorily resolved and documented in a letter NewRez sent to me, dated XX/XX/XXXX. NewRez included a Loan History Statement with that letter, stating that my unpaid principal balance, as of XX/XX/XXXX, was {$10000.00}, which was consistent with my own calculations. 

Since XX/XX/XXXX, I have made regular monthly ACH principal plus interest payments of {$670.00} on the XXXX day of each month ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). Additionally, I have made principal only payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX payments ), XX/XX/XXXX, and XX/XX/XXXX. With the exception of one of the two payments made on XX/XX/XXXX, all of these principal only payments were in the amount of {$670.00}. The other principal only payment made on XX/XX/XXXX, was for {$670.00}. NewRez imposed an interest charge of {$35.00} on one of the XX/XX/XXXX, principal only payments. It is my understanding, as I stated in my prior complaint, that the terms of my loan allow NewRez to impose interest charges only at the time of my regular monthly payment ( ACH transaction about the XXXX of each month ) based upon the outstanding principal amount at the end of the prior month. As a cumulative consequence of NewRez imposing interest on one of my XX/XX/XXXX, payments, I believe that my account has been overcharged {$35.00} of interest since XX/XX/XXXX. I am attaching spreadsheet calculations substantiating my contention. My spreadsheet calculates a current unpaid principal amount of {$350.00}. I am also attaching printouts of my online NewRez payment history after XX/XX/XXXX, showing a current unpaid principal amount, as of XX/XX/XXXX, of {$380.00}. 

I have attempted, unsuccessfully, to resolve this matter over the telephone with NewRez customer service representatives. During my most recent telephone conversation, on XX/XX/XXXX, the NewRez customer service representative erroneously advised me that the interest imposed on my XX/XX/XXXX, regular principal plus interest payment was based upon my principal balance as of XX/XX/XXXX, instead of XX/XX/XXXX, which I recognized as being patently incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: A&D Mortgage LLC
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: Account information incorrect

Complaint:
A & D Mortgage LLC has been reporting XXXX of my investment property mortgages delinquent for about 7 months now since XX/XX/XXXX, incorrectly, because they're both in forbearance since XXXX until XX/XX/XXXX. Since XX/XX/XXXX, they have stated that it's been fixed but the bureaus keep getting refreshed with the same incorrect delinquent information. The department responsible for this is only available via email and they never reply even though I have emailed them about a dozen times since XXXX, about once per week. I would like to know if and how this company can be held accountable. I have been denied crucial business and personal credit lines due to the impact this has had on my credit. From XXXX to XXXX currently. I have already filed a complaint with CFPB about this on XX/XX/XXXX, to which A & D Mortage sent a letter stating that the incorrect reporting would be fixed but as of XX/XX/XXXX, the late payments are once again reappearing on my credit reports.

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 2021-10-25
Company: EQUIFAX, INC.
State: NY
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX - Received a collection notice from Jefferson Capital for XXXX XXXX debt in the amount of {$1400.00}. 
XX/XX/XXXX - Responded via a letter sent Certified Return Receipt through US Postal Service. 
Requested amount of alleged debt including an explanation of any interest charges and additional fees ; full name and mailing address of the original creditor ; documentation showing Jefferson Capital verified I am responsible for this debt or copy of the judgment ; names of all persons and entities that have purchased said debt ; and documentation showing they are licensed to collect debts in California. 

Also notified Jefferson Capital since I responded in writing within 30 days of being notified about said debt, they must cease attempts to collect said debt until AFTER they have provided the requested information. Continued efforts to collect said debt without first providing written verification is in violation of the Fair Debt Collection Practices Act. 

XX/XX/XXXX - Received notification of Payment Offers outlining ( 3 ) payment plans. The notification states offers to expire on XX/XX/XXXX. As of XX/XX/XXXX, NO INFORMATION has been received by me as requested through certified mail.

Company response to consumer: Closed with explanation