BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-17
Company: ERC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ERC debt collection attempting to collect on a debt that was not mine. 

This same claim from a XXXX account was sent to another collection agency 2 years ago and through legal means was removed from my credit report. 

Now ERC is reporting that same debt on my credit report and calling to collect. They are rude and abusive and completely incorrect. I also explained that the statute of limitations has past for Arizona even if the debt were mine but they do not care. I also suggested that the federal statute for cell phone debt ( My assumption because they say XXXX ) is 2 years but they are undeterred and are still reporting this to my XXXX report XXXX 

They are combative and rude and have stated that they would stop calling and reporting to XXXX but they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 consumer rights are being violated

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
On XX/XX/XXXX, XXXX while evaluating my Experian Credit report I observed a closed account from XXXX XXXXXXXX XXXX  and information that was bring reported was inaccuarate. While XXXX XXXX XXXX credit card was open I was never late on my payments. On XXXX of XXXX I was reported as late and it has affected my ability to acquire new credit going forward. Below is a copy of transactions. 

XXXX XXXX XXXX  Closed 1 late payment Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit - {$400.00} Payment Info Status Paid, was past due 30 days Status date XX/XX/XXXX Past due amount - Highest balance $ XXXX Monthly payment - Late payments XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX NA - - - - - - - - - XXXX XXXX XXXX - - - - - - - - - On Time 30 Days Late N

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: NAVY FEDERAL CREDIT UNION
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 status incorrect

Complaint:
On XX/XX/XXXX I evaluated my XXXX Credit Report and noticed several inaccuraries related to reporting information. Specifically, Navy Federal is reporting several late payments that are not accurate. Below is a copy of transactions. 

NAVY FEDERAL CR UNION Closed 51 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XXXX XXXX, XXXX Credit Limit - {$1300.00} Payment Info Status Paid, was a charge-off Status date XXXX XXXX Past due amount - Highest balance - Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX View less XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CO CO CO CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO CO CO CO CO CO CO CO CO CO CO CO XXXX CO CO CO CO CO CO CO CO CO CO CO CO XXXX CO CO CO CO CO CO CO CO CO CO CO CO XXXX XXXX XXXX XXXX XXXX XXXX CO CO CO CO CO CO XXXX - - - - - - - - - - - On Time CO Charge off 120+ Days Late 30 Days Late 60 Days Late 90 Days Late - Data Unavailable

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: EQUIFAX, INC.
State: CT
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: Dynamic Recovery Solutions, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company sent me a debt collection notice about 4-5 years ago. I responded back in 30 days and told them I did nt owe the debt, as I have no knowledge of a account with the company in question. After that, I didn't hear from them for about a year, until they sent another debt collection notice. I again sent them a letter of dispute, from which I heard no reply. Last year, I received yet another debt collection notice. I once again responded with a letter claiming I dispute this debt, as I have no knowledge of this account. This time they sent a verification letter of the debt, but also stated they can not legally sue me or put the debt on my credit report. I took that into consideration along with the fact that the debt is not mine, and responded with a letter asking them to not contact me any more. Now, today I received yet another debt collection letter. At what point does this become harassment?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10
Company: Betterment LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
I created an account with company - Betterment, however they closed my account and said due to suspected fraud activities. They just closed my account and my money is stuck with them, they did not give me any detail or information about when the money will transfer back to my account, my money was just gone with betterment. I'm here to file a complain regarding they did not give me any further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: Credit Management Control, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this {$110.00} debt on XX/XX/XXXX to credit management control ( XXXX XXXX XXXXXXXX XXXX ) for a bill I owed for XX/XX/XXXX. However upon checking my credit report I noticed that XXXX XXXX XXXX has listed a derogatory debt for the same amount from this above creditor. I spoke with XXXX and they stated that they just trying to collect the debt, they don't have anything to do with the other company. I have never received any communication from XXXX in regards to this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I am disturbed that you continue to list the dismissed bankruptcy as confirmed. 

Type : Chapter XXXX Bankruptcy Status : XXXX XXXX Date Filed/Reported : XX/XX/2011 Reference No. : XXXX Court : Us bkpt ct fl XXXX XXXX Although it is your policy to keep reporting bankruptcies which are filed or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section XXXX relating to bankruptcy about dismissals or filings. 

The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, it is only fair that in accordance with Section 1681 ( a ) ( 5 ) of the FCRA you delete this information from my credit report and please send me a updated copy when it is completed.

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 2018-01-02
Company: SECURITY FINANCE CORP
State: OK
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX has called me at work multiple times. Each time I have asked them not to call me at work, as my employer is not allowing this type of communication. I have told them to file against me in court, however, they state that they will not and continue to call my work.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: Louisiana Bureau of Credit Control Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Reference Policy Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Policy Declarations regarding XXXX and its Agent : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, California XXXX investigated with their employees and Executive Management .The policy covered XXXX XXXX XXXX XXXX Door Sedan # ID XXXX finance by XXXX XXXX XXXX XXXX . The effective dates were XX/XX/XXXX, XX/XX/XXXX until XX/XX/XXXX. The XXXX XXXX XXXX was stolen in the Subdivision of XXXX XXXX XXXX XXXX. Also, I would recovery and monetary loss ; along with criminal charges. <P/><P/>Previous employees resided in XXXX XXXX Homeowners Association identified as XXXX XXXX, Security Specialist with Federal Emergency Management Agency. <P/>I have been threaten since XX/XX/XXXXwith violence, disclosure of private information and destruction of personal property. <P/>Illegal violation of The federal Fair Credit Reporting Act ( FCRA ) promotes the inaccuracy of termination of insurance, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records ). <P/>Malfeasance in office by XXXX 's Board of Directors, Executive Manager and Sales Representative which caused economic damages, poor credit and destruction and theft of automobile. This occurred after resigning from Federal Emergency Management Agency on XX/XX/XXXX. This information may be verified by : XXXX Parish Sheriff Department XXXX XXXX XXXX XXXX, Louisiana XXXX Phone : XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, Louisiana XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Telephone : XXXX Fax : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, LA XXXX XXXX : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXXXXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I made my {$550.00} on XX/XX/XXXX ( due date XX/XX/XXXX ) to Capital One Auto Finance. On XX/XX/XXXX payment was reversed by Capital One Auto Finance - but monies were not returned to my facilitating bank account with XXXXXXXX XXXX I received an email telling me my payment was late on XX/XX/XXXX. I called Capital One we spoke with a supervisor who told us the website was under maintenance it was a glitch and would be fixed in XXXX days. I was told I would not be charged a late fee. On XX/XX/XXXX I received another email regarding the late payment and now a late fee is assessed. I called and spoke to a manager again - who said she would " waive '' the late fee. I told her a late fee was never warranted so " waiving '' the late fee is ridiculous. I advised them I wanted a confirming email of the issue and the fix. I was told that their department can not send emails. I asked for a manager over her. I was told that dept. didnt open till XXXX I would have to call back. I told her under the circumstances I should be able to have someone return my call. She said she could escalate but it would take XXXX hours to get a call back. This is unacceptable. They have not credited my account for the monies taken from my checking account, nor have they returned the funds to my account. Now they are assessing late fees. I warned of my legal and complaint actions if a late payment was reported to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Hi Team, I am writing this in a dispute that I am having with the main credit bureaus. I have accounts on my profile that are not mine. I am a victim of identity theft and I am writing to have these accounts removed or blocked from my credit profile. I am entering a stage in my life where I would like to purchase a house with my husband and it wasn't until recently that I saw these fraudulent accounts on my profile. Please investigate and have these accounts removed immediately. 

Best, 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 2018-01-02
Company: Coinbase, Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have an account with Coinbase.com and I once made a XXXX dollar order for Bitcoin, the order was in virtual transit ; however no later than five days later, I learned that my order was cancelled and Coinbase would no longer allow me to make purchases, deposit, withdraw, or sell any of my assets. This particular issue has been solved by Coinbase support, but on the other hand - they have failed to reinstate the bank account I had on my account so I could make larger investments ; I have waited about an hour and a half so far as I am typing this complaint to speak with a customer representative who could be working with me to solve this issue. As I do n't see a resolution on the horizon anytime soon with their phone support, or support system on their website, I would hope something could be done just to simply reinstate my formerly linked bank account onto my Coinbase account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my two year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
bank of America transferred my loan before my  1st payment is due for a modification i received a notice about my escrow having a su rplus over {$5000.00} Bank of America has not mailed the check .... my question is this .... where is this money? if the loan is transferred why are they trying to keep the money? the letter was dated  XXXX   XXXX  BEFORE the loan was transferred ... ... ... ... ..

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 2018-09-19
Company: Experian Information Solutions 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 personally contacted all three credit bureaus ( XXXX, XXXX  AND EXPERIAN ) starting in XX/XX/2018 regarding lots of excesive inquiries by auto dealerships and other collection accounts. I demanded by phone and in writing that all inquireries not associated with an active account be deleted/removed immediately from my report. I was told by each bureau that that would conduct their investigation and I would receive an updated report afterwards within 30 days. 

I received the reports in XX/XX/XXXX and XX/XX/2018, however no inquireries were deleted/removed from my report by all three bureaus. Their findings were for " permissible purposes by the creditors :. 

I called each month for four months and only Experian  has deleted inquireries and inaccuate account information from my file. While XXXX and XXXX insist that their reports are accurate and constantly direct me to call the creditors or provide them with " WRITTEN AUTHORIZATION '' in order to remove/delete inquireries. I mailed written demands to all three credit bureaus. ( see attached ) Please find my fair warning notice and request for deletinon/removal of all negative information from my accounts. 

XXXX XXXX XX/XX/2018 XXXX Certified Mail Return Receipt # s : 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 explanation
Consumer complaint received 2019-01-25
Company: Westlake Services, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was damaged or destroyed the vehicle

Complaint:
Hi I am XXXX XXXX, I co-signed for my friend to buy CAR from WESTLAKE FINANCIAL SERVICES on XX/XX/XXXX. But car got stolen on XX/XX/XXXX, and filed the police complaint on same day. The car is stolen, and same information is passed to WESTLAKE FINANCIAL SERVICES. If car is stolen, how we are responsible for the payment?? 
They keep on reducing the my credit score ( initially, it is XXXX ) without contacting me. I tried several times to contact them, but they are keep on holding the calls for several hours, but ultimately no is able to solve my problem. Vehicle got recovered by Insurance on first week of XX/XX/XXXX. Now issue is Insurance company handed the car to Title owner ( i.e..WESTLAKE FINANCIAL SERVICES ) and the car is with dealer. There is some negotiation going on between dealer and WESTLAKE FINANCIAL SERVICES. 
In the Meanwhile, my CREDIT SCORE is reduced to XXXX and surprisingly my creditcard limit is reduced from XXXX $ to XXXX . 
It is not fair at all. I am not the owner and car was stolen and no proper communication services from WESTLAKE FINANCIAL SERVICES.

Company response to consumer: Closed with explanation