BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-14
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:
Coinbase was supposed to transfer {$11000.00} to my account by XXXX XXXX they are very late and will not respond case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Huntington Debt Holding LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
NOTICE FINAL Warning to stop engaging in Unlawful, Fraudulent, Extortion and RACKETEERING activities. You have violated my consuner right to privacy by FRAUDULENTLY gaining access to my nonpublic personal financial information without my consent or lawful authority.

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 2019-10-07
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I found a collection account on my credit report which does not belong to me I am a victim of identity theft, I reached out to the original creditor and to the collection agency and to all 3 credit bureaus and provided them with all the information they need and requested to remove the collection from my report at the same time the original creditor and the collection agency sent a request letter to all 3 credit bureaus to remove this collection account from my report XXXX and XXXX XXXX removed it right away *BUT EQUIFAX* did not remove it and its a few months already and this complain is for Equifax I'm on the phone for hold for hours and hours and I can not reach anybody, there is nobody to talk too,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-07
Company: Amsher Collection Services, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I sent Amsher a dispute email and asked them to stop.calling they made several calls after and are in violation of the fdcpa. I do not owe XXXX any funds they agreed to waive my balance if I left the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: EQUIFAX, INC.
State: CO
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:
Equifax and XXXX are reporting incorrectly that I am 30 plus days past due on the XXXX - partial account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be past due on an account that has a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: EQUIFAX, INC.
State: NJ
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 one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Reporting these items as unconfirmed information is unacceptable without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXXXXXX 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 XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have made several requests that XXXX update my accounts with the payments. In reviewing my Select Portfolio account I have found yet another one of my account that does not have correct information. My loan was transferred to SPS back in XX/XX/2020 which they sent me a letter stating the change. My first payment was sent to them XXXX and XXXX but their records show no evidence of the payments being reported

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On XX/XX/2020 I was notified via email that my TransUnion score decreased by 10 points. Listed under recent reasons for the change was a balance of {$55.00} on my credit card which has a credit limit of {$300.00}. That's 18 % utilization, 12 % lower than the recommended amount. When I called TransUnion the representative cited several reasons as to why my score could've changed. None of the reasons applied To my situation. I've had situations recently concerning the bureaus falsely decreasing my credit score. There is no legitimate reason to decrease my score. How is it legal to penalize someone with no cause?

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 2020-12-16
Company: Exeter Finance Corp.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been contacting Exeter Finance regarding the account they are reporting on my credit since XX/XX/XXXX. I have given them my name, address, social, date of birth and even the account number reporting on my credit so they can give me debt validation for this account I do not recall openeing and each time I call they tell me they can not locate an account with my information. Even after admitting they can not locate an account for me they continue to report this on my credit which is against FCRA laws. I have disputed this account with them and the bureaus on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and have not received any response or evidence that this belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
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: Account status incorrect

Complaint:
EXPERIAN INFORMATION SOLUTIONS INC . 

On XX/XX/2019 I retrieved a copy of my Credit Report. I noticed a collection account being INACCURATLEY inserted by XXXX XXXX XXXX  account number XXXX   on behalf of Creditior XXXX XXXX XXXX MD. 
This account has been PAID IN FULL which means that you are in violation of the Fair Credit Reporting Act. XXXX XXXX XXXX has provided me with a letter on company letter head verifying that the account has been PAID IN FULL that will be provided with this complaint. 
Not only are you in violation of the FCRA you are also OUT OF COMPLIANCE WITH METRO 2. Field 17a has incorrect account status information and field 21 is MISSTATING BALANCE INFORMATION due to the fact that the account is PAID IN FULL. 
EXPERIAN. Delete this incorrect and inaccurate account immediately and update your files. As you are well aware it is against Federal Law and State Law to report INCORRECT AND INACCURATE Information on a consumers Credit Report. EXPERIAN. Delete this entry immediately and provide me with a copy of the correspondence sent to the other Credit Bureaus XXXX  and XXXX XXXX directing them to REMOVE this erroneous entry 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 explanation
Consumer complaint received 2019-11-08
Company: NAVY FEDERAL CREDIT UNION
State: CT
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I requested a 5 year amortization. Navy Federal Loan Officer XXXX XXXX refused to let me have a 5 year amortization and insisted I could only have a 15 year amortization. Navy Federal also had a promo he pretended not to know about. I submitted a complaint and requested a different loan officer. Navy Federal equity loan department did not honor my request and did not assign me a new loan officer. For over 2 weeks their dept. has kept it as the original loan officer XXXX XXXX. I called again on XXXX and spoke with a Supervisor in the equity loan dept. named " XXXX  '', number XXXX. XXXX also did not switch me to a loan officer. Instead of complying with my repeated request for a new loan officer to be assigned, he kept talking to me about me submitting paperwork. He continued to argue with me that I should return the loan application paperwork, and continued to not assign me a new loan officer and now I am filing this complaint. 

XXXX XXXX should be fired for trying to deny me the promo, and not signing me up for the promo as the notes on my application stated I wanted. He also tried to bully me into a 15 year amortization instead of 5 year amortization. Navy Federal specifically told me on the phone that I could have a 5 year amortization, and he tried to deny that. XXXX, should also be fired for arguing with me about loan paperwork and trying to convince me to return loan paperwork when he was not complying with my request for a new loan officer to be assigned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Experian Information Solutions Inc.
State: TX
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:
i pulled up my credit and see a late payment being reported by XXXX XXXX and a collection from XXXX XXXX. I called them and are getting the run arrounds. I have never been late with XXXX XXXX at all. i sent letters to the bureaus to send verifiable proof on how they are reporting this this late payment because i was never late and I was in good standing with them, i have the bureaus letter after letter and i have no got no response what so ever. they are ignoring and my request and this is affecting my credit. the same thing with XXXX XXXX. have disputed this more than 5 times over 35 days apart and asked to send me verifable prroof this is my account. i have no contract with XXXX XXXX nor XXXX XXXX. THE BUREAUS HAVE FAILED TO RESPOND TO BE OR SEND ME ANY UPDAED INFORMATION. I HAD TO CALL MY SELF TO REQUEST THIS FROM THE ORGINAL CREDITOR AND WAS TOLD TO TELL THE BUREAUS TO REMOVE IT.

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 2019-05-24
Company: ProCollect, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX ... Procollect Inc placed a debt from XXXX XXXX XXXX for {$6700.00}. 
XXXX XXXX XXXX # XXXX, XXXX, TX XXXX XXXX. 

I have called them repeatedly and requested proof of this debt because I left the apartments in XXXX, the property manger refused to complete a walk through to verify the 2-bedroom apartment was left in great condition. Now in XXXX, the rudest collection agency is harrassing me over a debt I never knew I had. I visited a non profit credit counseling agency to get help with this company and refused to talk to the authorized 3rd party advocate. They are bullying me for this debt that they refuse to verify. 

Why do I owe {$6700.00}? Why is this on my credit report and why wont they send me proof? This collection agency does not have a license to do business in the state of TN and Im reaching out because I can't seem to get anywhere with them.

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 2019-03-20
Company: EQUIFAX, INC.
State: IN
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 feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted this complaint to update this suspicious information. The 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance : {$11.00} ; XXXX XXXX XXXXXXXX Balance : {$3300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX a new mortgage was funded ( with XXXX ), the homeowners insurance premium ( USAA ) was due on the XXXX. As a result, USAA received duplicate payments from the old and new escrow for the homeowners policy. When I signed into USAA on or around the XXXX, the homeowners policy overpayment showed as a credit to my account, which they had applied to my auto policy premium ( without telling me either time ). On or around the XXXX, I received a check for the original overpayment from USAA, perplexed, I signed in and discovered that the auto policy was now marked as past due, complete with a late fee, and possible derogatory mark to my credit. As USAA acts as a bank, home insurer and auto insurer, it is improper to retain and apply overpayments in this way, particularly without consumer input, as it has led to a mark on my credit and late fee when they decided to send the check instead.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: Linebarger Goggan Blair & Sampson LLP
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello CFPB Staff, I recently received a notice from a debt collection agency claiming to be collecting on an unpaid toll fee for the XXXX XXXX XXXX company. The notice cited that I owed the company - Linebarger Goggan Blair & Sampson LLC - {$80.00}. The notice references the license plate, XXXX, for a car I previously owned ( sold in XX/XX/2019 ). 

I never took an XXXX XXXX XXXX toll in the car referenced and never received any toll notices from the XXXX XXXX XXXX company for that car. I was unable to find any record on the company 's website. I reached out to them and have yet to receive a reply. 

I am concerned that this debt collection attempt is fraudulent because : ( 1 ) I never took an XXXX XXXX XXXX toll with the vehicle referenced, license plate # XXXX, MN. 
( 2 ) I never received any notices from the XXXX XXXX XXXX company about any toll violations for that vehicle. 
( 3 ) There's no record of the toll violation on the XXXX XXXX XXXX company 's website. 
( 4 ) A cursory internet search of the debt collection agency gives me reason to suspect that the debt notice is possibly illegitimate. 

Pertinent Information : Account # : XXXX. 
Clint Code : XXXX. 
Online Payment Number : XXXX. 
License : XXXX, MN. 
Date of Notice Letter : XX/XX/2019. 
Debt Collection Agency : Linebarger Goggan Blair & Sampson, LLP. 
XXXX XXXX XXXX. 
XXXX XXXX, TX XXXX. 
XXXX. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Prior to the pandemic I used my Capital One card to purchase our XXXX XXXX tickets to go from XXXX XXXX to XXXX, XXXX. Before we could fly XXXX closed their borders. XXXX said they would hold our money until the borders were open and then we could use the credit to book our tickets to XXXX. When the pandemic endedXXXX XXXX was no longer flying to the United States. They have thousands of our dollars and we have no way use the money they are holding. Capital One refunded the money to our credit card and then a month later took the money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 filed numerous disputes with TransUnion credit to fix the reported amounts on my credit report that where hindering me from obtaining a good credit score but they continue to report incorrect amount and drop my score all together. Accounts like my car payments and a old collection which was paided in full is still reported even after showing proof of closed and paid in full. I believe that they discriminate against people of XXXX XXXX consumers in reporting credit.

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 2019-11-08
Company: MNS & Associates LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company called me and left a very nasty and threatening message on my voicemail. On the SAME day, so not even time for me to respond to their message, they called my elderly parents home looking for me and left the same threatening message on the cell phones for my wife, my EX-wife and my sister. Over the past 2 days, they have left numerous messages on each of those phones. And they use local area codes on their incoming caller ID, so as to hide their actual company and number. Very deceitful. Even their company has numerous 800 numbers attached to it, when I tried to research who they were and what they wanted. The company name is M.N.S. & Associates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 explanation
Consumer complaint received 2021-03-01
Company: LDF Holdings, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I received an email stating that I had a payment due on a loan from a company name XXXX, phone number ( XXXX ) -XXXX-XXXX. I did not apply for a loan, saw no Credit Bureau inquiries, no loan is appearing on my Credit Bureau and did not receive any unexpected deposits to any account. I immediately responded to the email notifying the company that I did not apply for the loan and that it was fraud. On XX/XX/XXXX they acknowledged my reply and told me to fill out a Police report and forward it to them. On XX/XX/XXXX I responded that since I have no knowledge of the company, the alleged loan or any other details other than an email requesting payment, I would not be submitting a police report. For all I know the email was a fraud attempt. They have stopped responding via email but are calling me requesting payment. I called and spoke to an associate today XXXX and was again told to fill out a police report. I again told them I don't have any information to put into a police report. They stated the police report was required to proceed. I informed them that I would expect them to file a report since they are the victim who suffered a loss. I offered to sign a document stating I did not apply for a loan. They did not accept that offer and I asked them to stop calling me.

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