BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-09
Company: Continental Finance Company, 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:
In XX/XX/2021, I was notified by XXXX XXXX of new account in collections. Prior to that, I had none. The debt of {$830.00} says it was opened in XX/XX/2021 and the original creditor was Continental Finance Company. I disputed the charge and they said, it's legit. 

Here 's the issue, I have no clue what the XXXX this is for, received no communication and even after the dispute, none of this has changed. I only have 3 credit cards, I think the oldest is 4 years old. 2 are with XXXX XXXX and 1 is with XXXX XXXX XXXX XXXX. So, if this is mine, not only did they break the law below, I still have no idea where this came from, when it really happened and why it's in collections when there were no late payments for any credit card servicer in the past 4+ years. 

The Fair Credit Reporting Act excludes from Consumer Reports, accounts placed for collection or charged to profit or loss whose delinquency date predates the consumer report by more than seven years. The seven year period begins upon the expiration of a 180 day period beginning on the date of delinquency of the account. The date of delinquency then, determines how long the consumer debt can be reported on a consumers credit report. The date of delinquency occurs on the date when the first payment is missed regardless of how long after the delinquency the creditor charges off the account to profit or loss or places the account with a collection agency. The date of delinquency remains fixed until the account balance is paid in full. This date of delinquency therefore, remains even when the debt is placed with a collection agency, assigned or sold. Neither the Charged Off date nor the date when the account is placed with a collection agency can be used as the date of delinquency on an account.

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 2018-05-16
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
XXXX XXXX, amount of {$470.00}. I have disputed this account with Experian, XXXX and XXXX as does not belong to me. XXXX and XXXX has removed this account from my credit report and Experian has not. I have contacted Experian and disputed this with Experian and have ask Experian to dispute this account and remove it as it does not belong to me. I also have sent XXXX XXXX a debt validation and XXXX XXXX has not responded at all.

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 2020-12-07
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX Receivables Performance XXXX. XXXX  XXXX XXXX Washington XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX XXXX XXXX XXXX XXXX number Phone Service Contract ended XX/XX/2019 I switched to XXXX  in XXXX Paid the two months owed Returned the phone. 
They are say the second line was continued without Payment. 
For 1 month. But I have a receipt they started a new service 1 month before contract ended. 
Note : I was with XXXX for 16 years. No way I am not going to not know when my contract ends and not pay my bill if it is really owed. 
This is been passed around by debt collection companies as a bad debt on their behalf. This is the XXXX. And they posted it on my credit report. And score dropped from XXXX to below 650. With this one derogatory issue. I use less than 2 % of my credit line which $ XXXX apx. No way I want to mess up my credit. I simply do not owe this pittance. Research has shown XXXX generates fake bills historically after a customer leave. Its on the internet. Up sell you having their sales people meet quotas, dropped calls. Company is garbage The fact I ported my number two months before my contract ended with XXXX. 
Returned the phone in new condition. 
So again paid for two month service and my phone # was already with another company. And two months of XXXX charges and I didnt have service. Speaks a truth to the matter. The attached photos below is reciept accounting shows the line they say was in service with usage. Was also not in use. So someone is lying!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: FREEDOM FINANCIAL NETWORK
State: FL
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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-07
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
on XX/XX/XXXX at approx. XXXX, I sold my cryptocurrency stock after being up all evening watching the increase in this one crypto currency XXXX. I sold the stock when it hit XXXX cents. their computer system went down and was not operational for several hours - the next day. 
I thought I had it sold as it said confirmed before crashing. the next day, my account showed XXXX balance - like all my money was gone. I made several complaints to the company. after 2 days of not seeing my money in the account, it miraculously appeared showing a loss of several thousands of dollars. 
I made the sale and transfer prior to their computer crashing. they have not honored this and my account was not made available for two whole days after this event. 

I would like your company to investigate. this happened to thousands of other people. I am not alone in this. 
I demand from the company that they refund my account in the positive at the time of sale of XXXX cents before their computer system crashed. 
everything is documented. Please investigate into COINBASE. 
My account is my email XXXX. should you have any questions, please don't hesitate to contact me via cell XXXX or email. 

I am only asking what is rightfully mine and coinbase should not get away with stealing money from me or thousands of others due to their computer failure. I sold my shares at XXXX cents each.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX Date opened : XX/XX/XXXX Balance : {$5000.00}, XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00}. Also, Please remove this account- XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$410.00} from my file. The bank made an error with my statements & the bank agreed to remove it. Please remove ASAP.

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 2020-02-04
Company: HEARTLAND PAYMENT SYSTEMS INC
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XXXX University has received my student loans and financial aid which has paid for my classes. But they are holding my refund amount. They won't tell us ( other XXXX students ) what the real problem is and they keep giving us the run around. Something needs to be done about this. Because that money is mines and i have to pay it back so they need to give me whats mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under XXXX XXXX. 
See the documents attached.

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 2017-12-20
Company: General Service Bureau, Inc.
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX Account Number XXXX I have disputed this alleged " debt '' of {$810.00} ( which I absolutely do not owe ), in writing, and in response to repeated phone calls, since XXXX 2017. XXXX does not acknowledge I dispute the debt and just keep calling. I have told them I do not owe it and will not pay it. I have contact XXXX XXXX XXXX ( creditor ) several times, as well as my insurance company ( XXXX XXXX XXXX XXXX XXXX ), at least 10 times, telling them the " debt '' is a result of THEIR mistake in processing the claim, and that I will not pay it. It 's bad faith, and it 's harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I WAS VICTIM OF IDENTITY THEFT, SOMEBODY USED MY PERSONAL INFORMATION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-20
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Starting yesterday, XX/XX/XXXX, I received a call from ( XXXX ) XXXX. I did n't answer it, but looked up the number. It came from XXXX XXXX XXXX, who are notorious for attending to collect on " zombie debt '' that has been sold to them and was written off many years ago. I received another call this morning, XX/XX/XXXX,  and again did not answer it. This relates to a small ( less than {$200.00} ) debt that I disputed at the time, refused to pay, and was long ago written off by the company. 

Please inform XXXX that they are legally not allowed to harass me about this matter. I will be sending them a certified letter with return receipt stating the same thing. Any assistance you can provide would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove this account because this is not mine and i'm so disappointed with these happening on my credit report. I want the company to remove this as I start a new chapter of my life but because of this unknown account in my credit report i'm not able to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: JMD,LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, High Desert Creditors Service reported a collection account on my XXXX credit bureau file in the amount of {$190.00} for XXXX XXXX Department. The date of the account is XX/XX/XXXX. I have NEVER been contacted by anyone at XXXX XXXX Department or High Desert Creditors Service by phone or mail. This is not my debt. I have NEVER been to XXXX, CA at any point in my life. Additionally, I am a resident of Florida. High Desert Creditors Service does not have a Florida collection agency license as required by Florida law ( See Attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was going to be evicted from my apartment after falling into hard times with financials, this was the only institution that would take a loan out with me ( {$2500.00} ) during this time because of my credit ; however, I was unaware of the interest rate of 139 % that would take effect. This occurrence was in XX/XX/XXXX and for almost two years I have been unable to contact them to rectify or get this situation taken care of. It is a drain on my bank account leaving me unable to save for my future or for absolutely anything with payments of {$290.00} a month. With not a dent in the principle of the loan after almost 24 months. On top of all of that reopening a loan for a different amount with a new account number all different credentials without my knowledge or prior approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2018-10-15
Company: Hollis Cobb Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX has been calling me nonstop, at least 3 times, EVERY SINGLE DAY!!! Whenever I answer the phone, they told me that they will garnish my wages, that they will take my tax income check, that they will report me to my county law enforcement, that they will take me to court and sue me for triple what I allegedly owe. I've told them to stop calling me. They won't listen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: United Shore Financial Services, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I refinanced a loan from United Wholesale Mortgage ( serviced by XXXX XXXX ) on XX/XX/2021 and am due an escrow refund of {$4100.00}. According to XXXX, any remaining escrow balance must be refunded within 20 days of a mortgage loan being paid in full. As of XX/XX/2021, I have yet to receive these funds from the lender. 

When contacting the lender I am being told stories about how it takes 4 business days for them to place the check in the mail and how it takes an additional 7-10 days to be received by me. However, this time frame has now passed and the lender is refusing to issue another check until 30 days have passed from when the original check was supposedly printed. 

Additionally, when I contact the lender about these issues they seem not to care and act in such a way that shows they do not care about their customer 's monies. 

Attached is a letter from the lender confirming that my mortgage was paid in full on XX/XX/2021 and an escrow statement that shows an image of the check that was supposedly sent. 

Thank You, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 got a call from my credit card company a few days ago on charges that were appearing on my card. I was told I had charges every month from Trans Union for {$24.00} since XXXX and I told them I didn't authorize any charges from Trans Union. They gave me the number to call and when I talked to the representative she couldn't help me. I told her I ordered my credit score from XXXX XXXX XXXX on the Trans Union website but never authorized a monthly subscription. I asked her to email me in writing where the authorization took place and she said she would but she never emailed me. In addition, she said she would cancel the subscription and email me but again no email. I finally found out how to log in and canceled the subscription or at least I hope it is canceled. This is not fair to the consumer to be charged monthly fees without consent. The charges were as follows : XX/XX/19 {$24.00} ; XX/XX/19 {$24.00} ; XX/XX/19 ; XX/XX/19 {$24.00} ; and XX/XX/19 {$24.00}. They stored my credit card information and charged my card and I had no idea of the charges since I get paperless bills.

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 2023-04-25
Company: Experian Information Solutions Inc.
State: MS
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:
On my XXXX account, I requested for the statement " disputed by customer " to be removed from all three credit bureaus but it's still on my credit files. This should be deleted immediately.

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 2019-09-25
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing due to the noncompliance with ( XXXX, XXXX, Experian ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2018-11-19
Company: TD BANK US HOLDING COMPANY
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I lost the credit card for XXXX. as soon as I noticed that my card was missing I called the creditor : XXXX. I live now in Tennessee for 2 years. my card was used in Tennessee and was used in Florida. I reported this to the creditor and they just told me I was responsible for this. I kept calling them and they did not want to help me. All these charges were fraud. I could not lie or try to hurt my credit this way. I am really upset about this matter. I am a hard worker I don't intend to commit fraud or lie to anyone. Please help me. I can not pay for a debt that is not mine.

Company response to consumer: Closed with explanation