BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-05
Company: Law offices of Steven Cohen LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Mr. XXXX forwarded an expired judgement that is not mine, and has told me he will take legal action, I responded with that I take legal action, and he has forwarded a letter stating " I will report you to the appropriate authorities '' " I will be reporting it to the police '', I am very scared, I don't want to be arrested for something that is not mine, nor for defending myself, I don't want this lawyer to call the police make something up and I am in jail! I have the letter stating all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
I opened an account with Ace Check Cashing services about 8 years ago. My spouse XXXX XXXX and I both were depositing our paychecks and her social security checks into an account the last four digits of that card being XXXX. XXXX passed away XX/XX/XXXX. I tried using the card on XX/XX/XXXX and the card was declined due to the account being closed. I visited the store on XX/XX/XXXX and was told the account had been closed down due the person whose name was on the social security checks ( XXXX XXXX ) was not deceased. I asked them how was that possible when I was the primary information on the account and the person that opened the account. They only told me, the remaining balance of XXXX would be held for 120 days and I could come back then to discuss. I recently visited the store and requested the XXXX balance but was told they did not have any information on me in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: EQUIFAX, 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 financed a vehicle with XXXX XXXX company in XXXX of XXXX. At the time of the purchase I also elected to get GAP insurance. The vehicle was covered with full coverage insurance and GAP. In XXXX of XXXX the vehicle was totaled. I was told at the time of the collision my account would be " FROZEN '' pending all payments from my insurance and GAP company. After all of those payments were issued I called in to see if there was any balance left behind. I was then told if I not make an immediate payment they would be charging my account off and reporting it as late since the last payment was made. I think it is unlawful for them to fictitiously and retroactively change my payment history to manipulate me in paying a sum of money. All calls were on a recorded line, and if demanded will corroborate my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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 got 3 new different hard inquiries on my credit report on XX/XX/2020 from companies that I do not recognize. Considering that I did not ask for any loan or credit in the last year I would like to know why is these inquiries for cause I do not want these hard inquiries to affect my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-04
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I was a victim of Mortg fraud XXXX and settle with Ocwen/PHH in XXXX I am still in the house and been making payments on time and no record of a 2nd mortage. 

10 years later Ocwen sold my 2nd morth $ XXXX to a Mortgage Company the 2nd was written off in XXXX. Now i have to pay is this legal. Ocwen sold this in error this was part of my mortg fraud i did not take out a 2nd mortg it was part of the fraud. 
Banks received money for this and this is not fair to come back after 10 years Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: JPL Recovery Solutions
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Continues to call my place of employment although they have other ways to contact me. 

Called on XX/XX/XXXX19, called on XX/XX/XXXX19 andXX/XX/XXXX19 I asked them to not harass my employer after 1st contact still continues to call

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Over 3.5 hours on the phone will Chase bank, had agent pick up only to place back on hold for a another hour. Spent 55 minutes with XXXX. When I asked to file a complaint she advised me to go to my local branch to file the complaint it was closed. Contrary to the information I was provided. I then asked to be transferred and the call dropped while out front of local branch. There was no attempt at call back to resolve the issues. 

I also went to corporate office in XXXX Delaware again, closed. This back is operating with no over site. It has been fined over 44 billion dollars! Yet some how they are allowed to stay in business. Enough is enough. The American taxpayers should not be on the hook for an unscrupulous bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: NRA Group, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received an alert on my credit monitoring service XX/XX/2021 that I have a derogatory information on my account. Upon viewing it, I noticed that National Recovery entered a derogatory amount of {$660.00} on my file without contacting me of the debt in question or to point this company in the right direction, which is a violation of my right.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 financed a vehicle with XXXX XXXX company in XXXX of XXXX. At the time of the purchase I also elected to get GAP insurance. The vehicle was covered with full coverage insurance and GAP. In XXXX of XXXX the vehicle was totaled. I was told at the time of the collision my account would be " FROZEN '' pending all payments from my insurance and GAP company. After all of those payments were issued I called in to see if there was any balance left behind. I was then told if I not make an immediate payment they would be charging my account off and reporting it as late since the last payment was made. I think it is unlawful for them to fictitiously and retroactively change my payment history to manipulate me in paying a sum of money. All calls were on a recorded line, and if demanded will corroborate my complaint.

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 2018-03-28
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I made a payment on XX/XX/XXXX on western union speedpay for XXXX   specifying how the payment should be posted. XXXX to the principle and XXXX. They failed to post the payment stating they do not know where to apply it. I also paid XXXX  on other fees. On XX/XX/XXXX. I paid my XX/XX/XXXXpayment earlier in the month, that XX/XX/XXXX payment included interest until XX/XX/XXXX. I feel as though they are doing a delay tactic to obtain additional funds in interest and are also saying I need to pay insurance which is already included in my escrow funds.this mortgage is with PNC bank who aquiried my mortgage when XXXX XXXX XXXX went out of business

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 

Capital one bank USA N Open date XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX Open date XXXX XX/XX/XXXX XXXX XXXX bank Open date XXXX XX/XX/XXXX XXXX Open date XXXX XX/XX/XXXX XXXX XXXX XXXX  Open date XXXX XX/XX/XXXX XXXX XXXX XXXX Open date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Open date XXXX XX/XX/XXXX Enclosed is a copy of my Identity Theft Report, supporting my position.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: EQUIFAX, INC.
State: TX
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 ordered my credit reports from all 3 reporting agencies in XX/XX/2018. I noticed a host of errors or some items I had no clue where they even came from. I began sending the reporting agencies letters to understand what and who were these companies reporting these items on my reports. As, I started the process the other two agencies would reply with deletions on a monthly bases. Although EQUIFAX, from XX/XX/XXXX to present would reply saying most of the items were verified and had been updated or modified. At this point I called the other agencies and asked how does one remove a item and the other updates it? the rep. explained an situation about some system that they used and told me to called and speak to someone from that agency it should be an easy fix. Never the less I spoke to two reps. and this matter was pushed back to me to call the companies and fix this problem. I have sent ALL on the collection agencies letters asking for verification and Assignment of the debt and NEVER received replies back from NONE OF THEM as to ASSIGNMENT AND MEDICAL HIPPA RELEASES. And the 1st item which is my car payment it says this account is closed with a XXXX balance. When in fact this account is current. I called and spoke to a rep. and he replied that I would have to call them and have them to update that information. Now, with all of this being said how can I, as a consumer trust this agency truly does investigations when for a FACT they on reply that the item has been verified or updated. I also asked another rep. on a different date asking her about accounts that are closed but still are reporting a negative balance, she replied I have to call them or send a letter. agent XXXX or XXXX.If your reporting this information WHY do I have to do there job to make sure its correct. WHY? When this company ( EQUIFAX ) has had more security breeches than any other agency and as a consumer puts all of the burden of proof on us as a whole. I have had companies to put my reports and denied my because of the collection filed. ( ALSO in PDF ). I also, question this agency on all items must be 100 % accurate? If I, send proof that it has been deleted from other reports. Wouldn't that make the item listed on EQUIFAX in accurate? Can you please give me some clarity on if the information in NOT the same one all reports? NOTE Equifax is the only agency that this doesn't seem this matter. Again, with all the breeches maybe Equifax should work with consumers to resolve these issues oppose to using some software to investigate the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: Nationwide Credit & Collection, 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:
I reviewed a copy of my credit report and I noticed that there are some inadequate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Experian Information Solutions Inc.
State: NJ
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 a victim of identity theft, I provided proof of my identity theft, proof of my identity, police report, FTC report to Experian they have refuse to block or delete the account belong to fraud. they have not provided me with information or proof that those accounts belong to me. other bureaus like XXXX  and XXXX and XXXX deleted the information with no problem.

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 2019-11-16
Company: Experian Information Solutions Inc.
State: SC
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 a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX   breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2021-02-04
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have co-sign for a vehicle for some one and the person ran off i called credit Acceptance and explain to them on what's going on they ignore my complaint they have not take any action that i ask of them for but still they still harassing me about they money this matter been going on for 2 years now my credit is getting screwed i can't move on with my life it's stopping me from getting a mortgage and an apartment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX {$2600.00} - This account is not familiar to me. Provide me with necessary documents to prove its mine. My petition to request this documentation is a standard information petition based on my rights given from the fair credit billing act. If you can not create this data per my civil rights inquiry, please quickly remove this particular invalid post. 

XXXX XXXX XXXX XXXX Balance : {$1300.00} - The actual account position which is recently reporting on my credit document is having a drastically negative affect on my personal chance to get hold of affirmation for just a new loan application, you should produce proof that this has been reported perfectly in accordance with the Fair Credit Reporting Act recommendations, it is a crucial thing to mis-report. On top of that I'm not thoroughly aware about the particular date opened therefore I prefer to request your verification with the formerly discussed item also. If you fail to prove this information as being 100 % precise please make sure you delete it completely! Thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: PNC Bank N.A.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off my car loan in XX/XX/XXXX. After 60 days, I still did not receive my title. I called PNC bank in XX/XX/XXXX and they said they send it to my previous mother-in-law 's house, which she never received. Due to health issues, the matter was left unresolved until XX/XX/XXXX. I tried to call them again and they told me I needed to mail in a request as the back office would now have the information. I sent in 3 requests since then and never heard anything. I finally went to sell my car a couple weeks ago and because I still had not received my title, the dealership needed a lien release letter. I called PNC bank again and they told me I needed to speak to the Escalations Team. The next day I called and spoke to XXXX, who told me they had to get the letter notarized and would mail it to my new address. It has been over 3 weeks and I still do not have my letter. I have left MULTIPLE voicemails for XXXX with the Escalations Team requesting a call back to get a resolution as the dealership NEEDS the letter and STILL no response. I need the lien release letter as soon as possible since they failed to get me my title!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I thought I was receiving free credit report on Transunion website but they ended up charging me {$25.00}! Also they make it hard to cancel subscription.

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 monetary relief
Consumer complaint received 2020-11-16
Company: DISCOVER BANK
State: PA
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 have asked for this account to be validated multiple times, All i ever received wa the letter i attached below ... ..I was never sent a copy of my wet signature signed contract ... The amount due on the document Discover sent to me does not match the amount of the balance on a my credit report says how can they claim that they investigated this properly and that it is reporting 100 % accurately? I have attached a few of the letters that i have sent all 3 credit bureaus as well as the letters i directly sent discover via usps ... ..i have also attached a copy of my credit report with multiple differences reporting between the 3 bureaus and multiple violations in the reporting..this account has been re-aged, how are they reporting a credit limit on a charged off account? the high credit limits dont match, date of last payment does not match and im sure there are more that i do not know about ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: LEXISNEXIS
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
LexisNexis continues to report a discharged chapter XXXX bankruptcy on my credit report that has expired its 10 years of reporting. Also, their investigation ( s ) have taken over 60 days on multiple complaints through the  CFPB and directly with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: NCB Management Services Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted by this collection agency who stated that if I paid the outstanding balance I had with their office that they would notify all the credit bureaus to remove the collection account from all of my reports. I have paid the balance and they have not done this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I can no longer log in to my XXXX account or wallets. I contacted customer support in every way and was told " we dont know why and we dont know when someone will be available to help you with your issue. It's been about 3 months and I still can't login, and have been given no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Amsher Collection Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Continued calling my cell. Pushing about a debt we never owed, have no idea what they are talking about, use profane, threatening and abusive language / tactics. 
Asking them to stop calling only causes them to increase frequency and elevate the abusive rhetoric. 
Upon checking with all credit institutions, no such debt exists on any record anywhere. 

They call from XXXX and from research it appears I am not their first target.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation