BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-07
Company: U.S. BANCORP
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:
On XX/XX/XXXX I received an electronic notice from XXXX stating that I had a delinquent credit account with US Bank. I have a car lease with US Bank that had its last scheduled payment due XX/XX/XXXX. But I did not understand what that delinquent credit could be referring to as I have always paid my lease payment of {$810.00} on time through an autopay account. 

That evening I checked my mail and discovered I had a letter dated XX/XX/XXXX from US Bank stating that I owed {$1300.00}. Given that I still had one more payment left I called US Bank to understand what the owed amount was related to. According to US Bank, when I registered my car in Massachusetts in XX/XX/XXXX ( I had initially leased and registered the car from a dealer in New York in XX/XX/XXXX ) my lease payment had gone up by {$50.00} a month due to increased taxes in Massachusetts. The roughly 20 months of incremental $ 50 monthly payments I had missed plus penalties and interest were worth {$1300.00}. 

I explained to US Bank that I was never once told of of the increased payments. US Bank has my address, my phone number and my email address - I never received one notification as to the increase in payments, nor a notice of a late payment. To have received my first notice that anything was amiss 20 months (! ) after the increase in payments began strikes me as ridiculous. While I am upset about the increased payments which I did not know about ( made worse by the fact that I spoke to US Bank numerous times before I had to register my car in Massachusetts in XX/XX/XXXX as I needed several documents from them to register the car and they never mentioned anything about the increase in payments ) I am much more angry about that fact that by sending a delinquency notice US Bank has negatively and quite unfairly impacted my credit score. It is  clear from the fact I sent every one of my XXXX lease checks to date on time that the only reason I did not pay the incremental {$50.00} amount is because I was not aware of the increase in the first place. 

US Bank 's actions appear to be a sorry attempt to extract late fees and interest from me at the last minute before my lease expires. Worse, they have no compunction about hurting my credit score on the way to doing so. I am writing the Consumer Finance Protection Bureau to assist me in getting this demerit off of my credit report. My account number with US Bank is XXXX. Thank you, 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 2021-08-21
Company: Continental Finance Company, LLC
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is a written demand to President XXXX XXXX and whoever is liable for the legal fiction Continental Finance Company that as a consumer and the original creditor I am exercising my right of rescission. I rescind all signatures, endorsements, and consents there of. I was not disclosed certain information about the finance charge. I the consumer nor XXXX XXXX is the grantor after this communication. Release the credits, pay and or off set the taxes, and pay me the debt owed.

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 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX  2021. And now we are in the month of XXXX 2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX 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 2019-02-07
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
On XX/XX/2019, I received an email from Experian that a new addresss was being associated with my social security. I immediately viewed my credit report and noticed a delinquent account that had gone to collections. The collection company is XXXX XXXX and they bought the collection from XXXX. XXXX is a home security company. My credit report shows an address in XXXX, GA. I have never lived in XXXX. On XX/XX/2019, I called XXXX and Experian and requested freezes and fraud prevention bc of the new address and the account. I even filed a police report with the belief that this was fraud. 

I also contacted the collection company. In speaking with them, they advised me that XXXX had installed a home security system at the home with the address now being used on my social. The account had been opened several years ago but recently went unpaid. This made no sense. The collection company advised me that they would delete the account from my credit report given that it was not me and that I did not open the account. XXXX immediately removed the account from my credit report. However, Experian has refused to remove the account. I have attempted to dispute not only the charge but the new address with them on multiple occasions. Following my conversation with XXXX XXXX, I did a search of the property address and the owner of the property is XXXX XXXX XXXX. My name is XXXX XXXX. Further searching I was able to determine that she is a XXXX year old, XXXX XXXX  woman. I am a XXXX year old, XXXX woman. Clearly, the collection agency made a mistake with the social security numbers given how close our names are. The tax record from XXXX also shows the owner of the property as XXXX XXXX XXXX. I have submitted proof of my driver 's license, the property record and the email from the collection company telling me the account has been deleted yet they keep denying my dispute. My credit score has gone from an XXXX to a XXXX on Experian. I have spent countless hours on the phone etc trying to get this rectified to no avail.

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 2018-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
In XXXX 2017 by balance was XXXX. I sent Capital One a payment of XXXX dollars. This would bring by balance owed to XXXX. I then noticed charges that brought by balance over my card limit to XXXX!. I contacted them and my card was refunded to XXXX. I requested a check not thinking much of it because I figured they new what they were doing. By balance then increased up to XXXX, then down to XXXX, now its back to XXXX. Over 10 hours on the phone and I am still not done with this, I since sent tin payments of XXXX, XXXX, and now XXXX to cover what I do owe them. I don not want my credit ruined but I also should not have to pay any more for there mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Experian Information Solutions Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed a debt to XXXX XXXX XXXX, my original creditor. This Debt was sold to the XXXX XXXX XXXX. On XX/XX/2021 I sent a letter to XXXX XXXX XXXX offering a settlement of my account for XXXX the amount owing ( {$380.00} ). I included payment with the letter. The letter specifically indicated that if the payment is accepted by XXXX XXXX the debt is considered settled. XXXX XXXX accepted the payment. On XX/XX/2021, XXXX XXXX tendered the money order. However, The XXXX XXXX XXXX continues to show a debt owing for the full amount of {$770.00}. According to the FCRA, I cant owe two companies for the same debt. The three credit reporting agencies refuse to remove information about the debt owing although they are not accurately reporting the information. I have reached out to the credit reporting bureaus regarding inaccurate information being reported on my credit reports and they continue to report the information.

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 2018-06-05
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:
XXXX Reported a Account to the credit bureau stating an account was opened up on XX/XX/XXXX. This is a secured card I never opened with a balance of {$4900.00} I didnt open this card. The first time I called regarding this matter I was told the account would be removed. It never was. Then I contacted them more than 5 times. Most recently in XX/XX/XXXX. I provided all detail I could pricing I never opened the account. The account cant even be opened unless a person is a military spouse or military member. I am neither. I wasnt even living in the state where the card was mailed. Its fraudulent and XXXX. Refused to help and constantly lies. They have never requested documents from me. I filed a police report and a complaint with FTC regarding fraud. When I call XXXX you cant speak directly with the fraud department I have to always speak to a Customer Service Specialist and I have to repeat the same complaint over and over. They wont remove it from my credit report or dispute the transactions that were made by whoever opened the card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: Weinberg Mediation Group LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have received numerous calls/voicemails from a XXXX XXXX, claiming to be from The Weinberg Mediation Group, she threatens to contact the local authorities to have me placed under arrest. She has also called my Employer, family members and states the same information. I have inquired with a XXXX, IL Attorney regarding and was advised this is a scam and to file a complaint. 
Phone Numbers calls are received from ; XXXX & XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: FORD MOTOR CREDIT CO.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Previously made contact with the agency of XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX ; informed them that the debt in which they were trying to obtain was XXXX ) XXXX in a bankruptcy by XXXX XXXX XXXX that was under the name of XXXX XXXX ; who was my cosigner of the loan for Ford motor company. XXXX ) Informed them that the debt is XXXX XXXX XXXX and per Virginia law they have up to 5 years to pursue this debt. This company has use railroading tactics and put a freeze and garnishment on my account that completely wiped out my account. XXXX ) They were informed that the car was auctioned off for majority of the account. And that Ford Motor Company most likely had been written the remainder of the debt off. I feel that the attempt made to recollect on this debt is unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX sent my medical bill to collection on XXXX XXXX2016 which is clearly a violation of the HIPPA law. At the time of the service I was covered under insurance which I called XXXX several times to inform them of my insurance information. This is affecting my 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 non-monetary relief
Consumer complaint received 2018-01-18
Company: AmeriCollect
State: WI
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 is the original creditor and report in error to Americollect and has failed to remove this error from all 3 bureaus, only removed from XXXX still showing on XXXX and XXXX. I have called the credit bureaus, XXXX and Americollect since last year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: EQUIFAX, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the XXXX report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
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:
My identity was compromised after the Equifax XXXX XXXX and stolen. Accounts and credit checks have been submitted in my name that I never authorized. 

For months I have resubmitted my FTC report, only for Equifax to do nothing. I have been on the phone being transferred to various different departments for over 5 hours for weeks on end. Never had this issue resolved. 

I filed an FTC report, a police report. They refuse to remove the following fraudulent inquires offering different lies each time of why they won't do their job. XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX delete these as you promised. You are a part of the fraud and have violated my consumer rights. As a result of your incompetence, my credit score keeps going down.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Coinbase, Inc.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My Coinbase.com mobile app is preventing me from access or transfer my funds for the past 2 weeks.

The following message is displayed : Were having connection issues try again.

Tried to contact coinbase.com without success.

Saw online that this is a common issue with Coinbase.com and the only way to solve it is thru this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-14
Company: Resurgent Capital Services L.P.
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: Account information incorrect

Complaint:
Since 2015, have been trying to get this removed off my credit my spouse had filed Chapter XXXX XXXX XXXX XXXX XXXX this had went to a Collection agency LVNV FUNDING /Resurgent XXXX for 3 years been filing complaints and trying to get this removed / deleted off my credt the other reporting agencies had closed this account that was in collections except for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am XXXX XXXX and I am submitting this complaint myself. Despite the multiple previous written requests, the items listed below still remain on my credit report in violation of Federal Law. Transunion failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( 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 2019-07-17
Company: ERC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX allowed Enhanced Recovery Company to put inaccurate and incomplete information on my credit file. On XX/XX/2019, I wrote a letter to XXXX  and Enhanced Recovery Company stating for them to supply me with a signed original contract, so that I can establish a time period of the debt. I also asked for a full accounting of this account that will show payments made, if any. 
My request was simple and of reasonable nature. 
On XX/XX/2019, I received a letter from XXXX  stating the reporting of this debt was verified as accurate. I also received several random bills from Enhanced Recovery with three unrecognized random phone numbers. I have serious concerns about this account and the way that they are furnishing the information on my credit file. 
They is no history being reported which means that the information that's being reported in inaccurate and incomplete. 
Since XXXX  has stated that they have verified this account, I now have the legal right to have them prove that they are furnishing accurate information to my credit reports. 
Again, provide me with an original signed contract and a full accounting of his debt. 
I have attached the letter that I sent to XXXX  and to Enhanced Recovery on XX/XX/2019.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: TrueAccord Corp.
State: UT
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a personal loan with XXXX with a balance of XXXX. The debt was then bought by XXXX XXXX XXXX ( ncaks.com ) and I settled by paying 50 % which was XXXX. This amount was paid on XXXX XXXX XXXX. It appears that they then sold the paid account to XXXX XXXX who has been repeatedly calling my cell phone, my work phone, my husband and my sister in law stating that I have committed bank fraud and an official complaint has been filed against my SSN. None of which is true

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: SYNCHRONY FINANCIAL
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid XX/XX/XXXX with check # XXXX. I recently pulled my credit report and it is still showing unpaid and with a balance on my credit report. This is hurting my score and the chances of me getting my home. The rep I spoke to said they will remove this from my credit report in 30 days.

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