BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-10
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Mid Land Credit keep calling my old employment and said they need to talk to me about a credit issue. I can't remember that old number but an ex co-worker called me to say some people were talking about it in the office. 

I am not sure of my rights but that is embarrassing and it is an XXXX XXXX. Also, if an debt is closed on your credit how can a collector start calling you? This happened with a bill that was 5 years old. Please advise with this matter. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-21
Company: Optimum Outcomes, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX, 2017 XXXX XXXX added a collection of {$1100.00} dollars to my credit file per XXXX XXXX. I have previously tried disputing this accused debt due to them not having a contract. The account was removed, but shortly added back to my file. This happened without the five day WRITTEN notice, therefore XXXX XXXX was in violation. They are supposed to notify via written document that this was to go back on my credit file. They failed to do so, and could have to pay a violation fine of {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
please remove fraudulent accounts account name : XXXX open date XX/XX/XXXX account name : debt management and collections system open date : XX/XX/XXXX account name : XXXX XXXX XXXX open date : XX/XX/XXXX account name : XXXX XXXX  open date : XX/XX/XXXX account name : XXXX XXXX XXXX open date : XX/XX/XXXX

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 2018-04-25
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Hi I placed an order online doing shopping I dont shop in person because I am disable, online is much easier for me I placed an order online with a website called XXXX I paid overnight shipping ( XXXX business ) days. I never received my merchandise, So I contacted American Express serve customer service spoke with XXXX explained what had occurred with not reiving what I had paid for that I have contacted the company ( yandy ) no response I was told due to company policy I have to wait 7 days even though I had paid for over night shipping .Once the 7 days expired I called back and my issue was still not resolved I submitted the proper documentations and receipts called back today to check on everything I havent really got an answer very upset they havent provided me with a provisional credit or anything I feel like my money was taking from me in company terms and policy states I am protected but from the looks of the situation I am not very heartbreaking.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: Experian Information Solutions 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:
WIth these inquiries we had never came to terms and have no debt with the lenders, Had I known the terms submitted by the lender we would have never submitted a credit application, These are the following inquiries XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX OF XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX

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 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE 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:
Someone try to misuse my Personals information and get Autoloan. Below are the 3 hard enquires that are not done by me. I tried to reach out XXXX, XXXX & Transunion but they are not removing below 3 hard enquires. Can you please help in removing these 3 Hard enquires from all the 3 credit bureaus ( XXXX, XXXX XXXX Transunion ). 
I spoke to finance team at " XXXX XXXX XXXX XXXX XXXX XXXX '' & they told me that someone tried to use my details and get a vehicle & they were able to figure out that it was fraud. 

XXXX XXXX XXXX ( Bank  ) XX/XX/2022 XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX  XXXX ( Auto ) XX/XX/2022 XX/XX/2022

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 2023-10-17
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Under the provisions of the Fair Credit Reporting Act ( FCRA ), I am entitled to certain rights with regard to this account, and I am seeking your assistance in ensuring that these rights are upheld. 


I believe that the FCRA allows me to request the following information regarding the aforementioned collection account : Verification of the Debt : Please provide me with detailed information verifying the existence and validity of this debt.

Copy of Original Contract : I am requesting a copy of the original contract or agreement that supposedly gave rise to this debt.

Payment History : Please provide a comprehensive payment history for this account, including details of any payments made, charges, and interest.

Name and Address of the Original Creditor : Kindly furnish me with the name and mailing address of the original creditor associated with this debt.

Proof of Ownership of the Debt : I am entitled to see proof that the collection agency indeed owns the debt and has the legal right to collect it, which should include a signed application with the consumer 's wet ink signature.

Category Contemplated in Section 2.05 of Regulation S : I believe that the securities associated with my account fall within the scope of Section 2.05 of Regulation S, which pertains to offerings and sales of securities outside the United States. I request that XXXX thoroughly assess the eligibility of my account under this regulation. Deprivation of Rights : My continued obligation to repay this debt is causing undue financial burden and depriving me of my inherent and indefeasible rights, privileges, and immunities secured by the federal and state constitutions. As such, I assert my right to request debt discharge under applicable regulations. By Section 611 of the FCRA provides your rights to dispute inaccurate information on your credit report

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 2020-03-10
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I accidentally made an over payment on XX/XX/2020. I called them right away on XX/XX/XXXX and was told they would refund the money and I would have it in 5 business days. Those days came and went. I have called every single day since XX/XX/XXXX for help on this. It takes about 27 minutes on average to reach customer service. From there they tell me they are going to speak to someone on my behalf. They put me on hold for an average of another 10 minutes. Then someone else comes on the line who has no idea what my issue is. Then they either accidentally ( wink wink ) hang up on me or they transfer me to someone else, and the merry-go-round continues. All I want to klnow is when if ever will I get a refund of my overpayment? They dont call me back ( Ive left 7 voicemails on their customer service line ) and their employees just fling my problem and request from one office to another. This has been the most horrific experience Ive ever had in my entire life with a company. It makes me physically ill that this is the company who owns my mortgage loan. When will I get the refund? I am overdrawn in my account now. When will I get communication? Its been 10 days with this issue. When will I get a call back on my 7 voicemails? When will I get someone, ANYONE, who cares about my situation??? I am at my wits end!!!!!!!!!!!!!!!!!!!!!! I am a veteran with a veteran home loan and this treatment isn't dignified for me or anyone else!!!!!!!!!!!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: SANTANDER HOLDINGS USA, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We lost income during XXXX XXXX, not able to pay XXXX, receive forbidden Programm and same time apply for modification of loan, back in for, for more then XXXXwo years, we ask bank we want to make payment, but they insist to continue do modification, week ago we receive answer : we not able to achieve payment for you. XXXX option sell the house or send appeals, and we send appeals. 
So if we want to pay they not allowed us make payment. 
We feel XXXX bank rules very strange, we not understanding what they want to achieve.we want to pay we not want to loose our house, it sonly what we have

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 2023-01-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-03-10
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
COINBASEs transfer to a FRAUD SCAM Brokers : XXXX XXXX I would like to bring your attention to a serious issue I have with COINBASE wires that first took place on the XXXX of XX/XX/XXXX. I have been victimized by a multilayered scam operation orchestrated by XXXX XXXX - the Company. The funds were transferred utilizing COINBASE 's services in the total amount of XXXX AUD! I would also like to point out that on the XXXX of XX/XX/XXXX - I filed a dispute with COINBASE. 
COINBASE 's response was to TOTALLY IGNORE their responsibility. It is obvious COINBASE is an ACCOMPLICE to the crime due to the fact that they have provided the fraudulent company with their service without hesitation or even a propel KYC procedure to check the identity of the recipient of the money, instead, they state that they have no affiliation with them, a person assisting a thief is a THIEF THEMSELVES!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
After trying to use Moneygram for the first time, my transaction was denied and my account closed, and have been unable to get any help from customer support.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: Santander Consumer USA Holdings Inc.
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2019 my vehicle was stolen. I reported it stolen to the local police department and my insurance company. The lienholder was paid {$16000.00} on XX/XX/2019. The lienholder has put a negative response on my credit report, which is holding up my purchasing a home. I have documentation of the police report, insurance company and a letter from the lienholder that it was paid in full. Its not fair to me that they stated they would clear this up and they did not. I'm in a program to purchase a house and have been in this program for almost two years and now this is holding up everything. It is not my fault that they don't feel they were paid in a timely manner. I had full coverage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29
Company: FUTURE FINANCE COMPANY
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
Basically since we had got the loan the car has needed work after work so paying car note plus put money in the car so it works is to much. We pay car loan every month even if late 1 or 2 weeks it gets paid plus late fee is paid. They call and threaten u after 1 week of being late saying they are taking the car i could see if a person doesn't pay a loan at all but a week or 2 behind? We got a call from them on XX/XX/2018 about late payment and car would be took car payment is due on XXXX every month. We called them got real bad attitude from two different people who work for them both time hung up phone on me. We have had the car around 4 to 5 months now and payment is always paid before XXXX of month. Company is future finance in XXXX XXXX Illinois

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received correspondence on behalf of a collection agency named XXXX XXXX. According to them, I had an outstanding balance of {$1900.00} that was previously owned by XXXX. I contacted them on XX/XX/23, and the representative I spoke with informed me that the debt was tied to the phone number XXXX. I am positive that I have never been associated with said number, so I went through the trouble of filing an police report and so on. I called XXXX XXXX back on XX/XX/23, to obtain information on where to submit a copy of my police report in order to initiate a dispute. The XXXX XXXX Representative, XXXX, informed me that per their system, there was a " XXXX XXXX '' order in place, and that the debt was erroneous, and is not valid. He also shared that the debt would not be reported to the credit bureaus, and that I was no longer financially liable for the amount they were trying to previously collect. I requested a statement in writing confirming what XXXX shared, but he insisted that he was not able to do so per company policy. I wanted to bring this to the CFPB 's attention in the event XXXX XXXX attempts collecting debt from me again in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am experiencing a large loss of funds for unauthorized transactions on my Santander checking account. On XX/XX/2022 I used my debit card at XXXX for {$2.00}. On XX/XX/2022 My debit card and PIN were used at various ATM locations to complete multiple cash withdrawals until over {$4500.00} was stolen from my account. Thirteen transactions occurred back to back until Santander system noticed this very unusual suspicious activity which allowed said funds to be taken. I have no idea how this could happen or by whom because on XX/XX/2022 I was admitted to the hospital for a medical emergency. Please see attached. NOTE : I am hearing impaired and contact must be via email or relay service. I am XXXX yrs old and do not need the stress of this situation so I'd like to resolve it quickly as possible. Thank you.

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 2022-03-17
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX XXXX i received a transation update on my TD bank credit card of multiple online purchase at XXXX totaling {$370.00}. I did not make these purchases and the dredit card company has not resolved this fraud claim. 
Please interview

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-19
Company: Bridgecrest Acceptance Corporation
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: Personal information incorrect

Complaint:
I am not associated the address in file that attached to my credit report and my name is incorrectly spelled.

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 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau XXXX, TransUnion, and XXXX. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I placed an online order and the merchant provided the wrong item, I tried contacting them but they are not responsive. I field a dispute with my bank but my Bank is now failing to resolve the dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is  being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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