BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-12
Company: HW Holding, Inc
State: TX
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:
Hunter & Warfield have attempted to collect a debt that we did not owe from an apartment community. We said there was a misunderstanding and that we do not owe the debt. The apartment had agreed to waive their buyout fee, we have a signed hand-written letter and an email from the manager of the apartment proving they agreed to waive the buyout fee previously. Hunter & Warfield is now saying that the debt we owe is for the buyout fee. We then received a letter in the mail claiming to be " verification of debt owed '' which had many inaccuracies including an address to an apartment we have never lived at, and sections from the lease that had nothing to do with the supposed debt we owe. There was nothing in the letter about how to dispute it or any 30 day time restrictions. We have tried to call the number during business hours they included in their letter to work this issue out but no one has answered. They do not have proof we owe the debt because we do n't.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by the following Scammers XXXX XXXX ( the Scammer ), DBA : XXXX ( the Scam Website ) XXXX XXXX ( the Scammer ), DBA : XXXX  ( the Scam Website ) using a telegram page XXXX XXXX and XXXX XXXX XXXX XXXX ( Telegram Page ) DBA : XXXX ( ( the Scam Website ) All of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of XXXX USD was transferred from my wallet utilizing Coinbase services.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am having issues with my billing statement. I am behind every billing period because for misc. and late fees that was acquired during an incident in XXXX of 2018 with Nissan Motor Acceptance Corp. I was late with a balance owed of {$2400.00} I was going through job loss and needed time to adjust the balance. which I let them know that. I was still making my monthly payments even though I was behind. This lasted two months, but on the third month I was one day away from making my payment with the intentions of paying both due and past amount to get caught up and my car was repossessed. Such a let down for me because I really worked hard to bounce back. Afterwards I wanted to pay off the full balance and they would not accept my visa payment and forced me to catch a bus to XXXX XXXX to pay for the balance. I politely explained this situation with them and asked for understanding. They tacked on {$540.00} tow fee on my statement. Since then i have been current except I refuseed to pay this fee which makes me late every month. I have tried to work with them even escalated to consumer affairs. And nothing has been done for me, a honest hard working customer. I have {$100.00} in late fees now and growing. On top of paying over 11 % in interest from the actual company im financing with this should not have been a problem for them. Please help. I also do not know why my payments have different amounts applied to interest and my principal. Please view the attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: The Receivable Management Services LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As you can see from these emails, they are almost 1 year old. After this mix up from the sender, I received a large bill for storage fees. This bill went to XXXX as it was solely their responsibility. They admitted and accepted the bill. 
Now, after 1 year, out of nowhere I have been sent to collection for {$790.00} from XX/XX/2018. XXXX. Account XXXX Ref XXXX I  received no notification, no warning, zero explanation. I merely accepted some sample wine as a gift. I not pay for merchandise. I had no business invested in this.

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 2019-10-08
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a current victim of identity theft, XXXX, Equifax, and XXXX   continue to report fraudulent activity on my credit report. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. FTC has been filed in XXXX of 2019, they did not comply within the 5-7 business days according to federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-04
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Third party debt collection company harassing and attempting to collect a debt that does not belong to them and is not owed. Misleading and inaccurate reporting is preventing me from current job employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: WA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Do not give me a chance to make agreement to pay off my loan took matters into my own hands repossess

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: BARCLAYS BANK DELAWARE
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:
IT'S absurd how this is! This account is unknown to me. Why does it show my credit report? This account has to be verified, please! I am not under any obligation to this 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 2019-09-18
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I get four plus phone calls per day. The collection agency, Midland Credit Management, sent a XXXX form listing a balance of {$1400.00}. Midland represents XXXX XXXX   XXXX. I talked to two Midland representatives one day and explained to them that I never had or applied for any type of XXXX card. This was to no avail and the harassing phone calls continue. 1. Fraud has been committed or 2. Because of poor business practices they allow anyone to get a card without verifying their I.D . or 3. MIDLAND,  XXXX, and or XXXX are involved in a consumer scam. I talked to XXXX information at a local XXXX. They have nothing to do with credit cards of XXXX Bank. No one at XXXX could give me a phone number to call. They said XXXX is only on the receiver end and not involved with card issues. ++They did say that XXXX is switching to XXXX XXXX XXXX++.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14
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: Information belongs to someone else

Complaint:
Victim of identity theft

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 2022-02-14
Company: Big Picture Loans, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I contacted the company about lower my interest rate to be in accordance with the Military Lending Act after I got my orders sent to me. I sent a copy of my orders to the company and they are refusing to lower my interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: SIMMONS FIRST NATIONAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. The SIMMONS BANK account with the account number XXXX was marked as Charge-off with an identified balance of {$9700.00} However, a charge-off account should have a {$0.00} balance so, my question is why does this account have a specific amount? Moreover, another error is found in the account 's " Date of Last Activity ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I originally had student loans throught Department of Education,  XXXX  ... in  XXXX  of   XXXX   I consolidated all of my federal loans through  XXXX . However on my credit report it is showing up as more than 120 days late but has a balance of {$0.00} and states that 100 % of the loan has been paid.

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 2017-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
TRANSUNION, XXXX, and XXXX is posting old information on my credit report. I have made several attempts to settle the matter and TRANSUNION, XXXX, and XXXX have ignored my notices. As of today, XXXX/XXXX/2017, i have several inaccuracies listed on my credit report and old information that should be removed according FAIR CREDIT REPORTING ACT and statue of limitations. My character is being damaged and the Credit reporting agencies is making it very difficult for me to obtain new 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 2022-02-14
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
On XX/XX/XXXX I went to refinance my car in Golden 1 credit union. They run my credit and they approved my loan. They ask to send all the paper work so I did but in couple days I received a call saying that they change their mind because my social was a work social not permanent. I told them I felt discriminated for their actions because first they saw my credit that didnt start with the number XXXX like everyones but yet they run my credit told me I was approved and then they change their mind. Second I felt like they assumed that probably I would get deported some point on the process of the Loan. I never felt so low and unequal like this before. I understand they protecting their money but I know for a fact they wouldnt treat permanent citizens like this.

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 2019-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Capital One Customer Number : XXXX. 
On XX/XX/2019 myself ( XXXX XXXX XXXX ) was approved for a Secured Capital One MasterCard, where I deposit {$49.00}, and receive a {$200.00} dollar Credit limit. And where the Deposit is refundable. Also after 5 On-Time payments will receive an increase in credit. See attached XX/XX/2019 email.  After mailing Lawful Payment via Money Order dated XX/XX/2019 ( see attached ), the Lawful Payment was refused, See Capital One letter dated XX/XX/2019. Also, lawful payment via XXXX Visa Debit Card are also refused. Capital One only accepts personal Check 's, or checking account with bank tracking number. This strips away the Consumer Protection when paying via XXXX Visa Debit Card the payment will only be authorized if there is sufficient funds in the checking account, thereby avoiding Overdraft Fee 's of {$36.00} dollars, a Consumer Protection granted by Act of Congress. Capital One is surcomeventing ( getting around, undermind ) this Consumer Protection by demanding a personal Check or Bank Tracking number and Account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: EQUIFAX, INC.
State: SC
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 recently received a copy of my Credit report and see that you are still providing inaccurate information. I previously disputed a Bankruptcy on my credit report and in response you verified the item as accurate stating it was verified with the court. When a consumer files Bankruptcy the document is under federal law not state law. A Bankruptcy in public records can only be used for information purposes only unless the court authorizes. Public court records are available to anyone and may be used for news publications, academic research, and non-profit organizations. They may not however be used for commercial purposes of any nature. Commercial purposes mean selling, giving, or furnishing to others. I have already confirmed with the courthouse and was made aware that the court does not report any information to you or any credit reporting agencies for that matter. I have also enclosed their response for your records. Therefore, your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with : FCRA 611 ( 15 U.S.C. 1681 I ) Privacy Act of 1974 Violation 5 USC 3711 ( e ) Violations Public Records Act Violations Commercial Purpose Declaration 42.56.070 ( 8 ) Conditions of Disclosure Cybersecurity Breaches of Government Computers and the information must be deleted immediately. Thank you for your prompt attention. I look forward to getting this resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: Harpeth Financial Services, LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
On XX/XX/XXXX I borrowed XXXX from Advance Financial. The first payment was reasonable at XXXX but the payment scale soon went to XXXX a month. XXXX was interest due. My principal is still at XXXX. But the interest is XXXX. I have talked to company representatives about the monthly payments that I just can not pay. Although they have accepted the smaller payments, this is only going to interest which is at 360 %. On XX/XX/XXXX, Instead of taking XXXX out of my account, this company took XXXX without my authorization. Even though I am disputing this it still left me without any funds for the next two weeks. Had I known what type of underhanded practices they have for interest and that they can change your payments at will, I would have never ever bothered this company. I will pay the money I owe going a different route but XXXX for interest is robbery. Please see if anything can be done about these exorbitant rates, and how they can go into an account that they were not authorized to use, take whatever amount they want and get away with this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: World Acceptance Corporation
State: SC
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:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Ive been trying to freeze my credit report with TransUnion for several months now. I finally got them to send me a copy of my credit report. I was unable to answer some of their questions because they had, and continue to have incorrect information on me : Their credit report has my wrong birth date, many wrong names reported, a wrong previous address, and a wrong phone number. Some of this misinformation comes from an identity theft I encoured earlier this year, whereby someone obtained my XXXXXXXX XXXX XXXX XXXX XXXX number, then called XXXXXXXX XXXX and convinced them to change my address from ohio to one in NJ so they could illicitly order products over the internet and have them shipped to their NJ address. Now, when Transunion asks me to verify my identity, they ask me questions like have I ever lived at this address in NJ, to which I answer no, but they think I did because of the identity theft. I didnt have any problems freezing my credit at the other two credit bureaus, but TransUnion has been absolutely impossible to work with to correct these issues, on line or over the phone!

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 2019-10-06
Company: SYNCHRONY FINANCIAL
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I bought I saxophone, last year XXXX. Sort time after I called the company who sold telling them the sax had a defect, the woodwind brass said the only thing they could do is a claim, the guy that helped me said I had to wait for a resolution, sort after I received a another sax I called right way and asked since they sad that one, I would rather get a a better one a pay the difference, they never really asked me to return the item, I looked online and my account t was not saying tor return the broken one, I return the second one they send without open, and purshase a brand new one better, after almost 6 months I was looking at my emails and they were saying that was brought to their attention that I never return the saxophone, i have returned the one they asked me, the broken one they never send me any message saying that I should return, they send me email saying that I should pack and send to them they will send me a label, I told them I did not had any box or anything, I asked several time to send me a prepaid box so I can send back, they never did, now I have a debt collector calling me, first when they send the second saxophone because they never asked me to send the broken one I thought I was suppose to trow away because was not working. 
Anyway the company never asked me to send anything back, and after almost 6 month they want me to return The status under my order says returned

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-05
Company: SYNCHRONY FINANCIAL
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was not aware that this debt was owed. I haven't received any notification and it's sitting on my credit report. It's for {$960.00} dollars

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 2021-09-03
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive sent letters to National Credit Adjusters and XXXX XXXX XXXX ( XX/XX/XXXX, XXXX + XXXX of XXXX ) asking them for proof of original contracts with my signatures showing where I agreed that I was liable for the debt they are attempting to collect. To no avail, I spoke with representatives from both agencies XXXX XXXX at NCA and several reps with American names to avoid any personal legal action against them but it is clear these individuals are from XXXX, names like XXXX XXXX, XXXX XXXX, and XXXX XXXX at XXXX on XX/XX/XXXX regarding debts I was informed I owed and after sending out letters on the same day XX/XX/XXXX - same day of phone call, again I was met with a copy of a bill and balance from both agencies ( two different creditors one being XXXX XXXX XXXX XXXX XXXX  Credit Card - {$470.00} and the other XXXX - {$630.00} ) but no documents, paperwork, or contracts with my signatures or proof showing where I am legally responsible for the debt owed or proof that it is in fact my debt. Ive also sent letters to XXXX XXXX, and XXXX  asking them remove this incorrect, inaccurate information but they are still reporting this information. I filed a complaint with the FTC to report these accounts that dont belong to me XX/XX/XXXX and still this negative information is reporting and is preventing me from securing new lines of credit, employment and housing opportunities. I really am trying to avoid a legal suit but feel like this may be my only recourse.

Company response to consumer: Closed with explanation