BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-22
Company: Exeter Finance Corp.
State: IL
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 am currently paying every pay check my child support to pay past due child support and on going child support, during the corona season there is no work and now they are not supposed to be reporting on my credit report being that I can not start a business to pay off the debit with them reporting every month I am behind and I am paying them every month and I have being paying them consistently for the last two years out of my pay check I have reached out to them for the past 4 months on XX/XX/2020, I have sent them letters in XX/XX/2020 disputing the amounts of XXXX and the past due amount of XXXX I am currently paying every month the amount due and they are inaccurtely reporting the payments are being made, they come directly out of my account they have two account with ILLInois XXXX, the company is not helping me with this unfair situation, I am on auto pay they take it right out of my paycheck I have reached out to them and they never notified me and this is effecting me I can not get a mortgage and this is a big deal not able to have my son with me or my daughter a place to stay

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: CURO Intermediate Holdings
State: ID
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Back in XX/XX/2017 I opened an account with Speedy Cash. The credit limit I was given was {$700.00}. The amount of fees they charged made it impossible to pay it off. The monthly payment was extreme and only a very small percentage of it went towards the principal balance. I could not keep up with it. 

They continued to tack on fees upon fees. Somehow it ballooned into {$1400.00}. More than twice what my credit limit even was. They are trying to collect this amount through a collection agency named XXXX XXXX. 

XXXX XXXX is referring to Speedy Cash as their client in every letter I have from them. But XXXX XXXX is reporting to the credit bureaus as the collection agency owed the money. 

I see no reason for a {$700.00} line of credit to balloon to more than twice the amount owed. It is impossible for people to pay it off even when they try. It's impossible to know who I am actually paying when I get confusing collection letters and conflicting information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/2020, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00}

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 2023-01-29
Company: EQUIFAX, INC.
State: AZ
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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is a XXXX  account that carried over to a collection bcuz of identity theft. My uncle got un authorized equipment on my account. I told him to get his phone through his factory warrant for his phone not working an he got a bunch of equipment on the account. Due to people there at XXXX. I talked with XXXX about this issue before it went into collection an they said it was nothing they could do. Please help me in this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have never dealt with Diversified Consultants or the company XXXX that you represent. I have never ever had any obligations to pay either of you to owe you anything. I have never signed any documents that would bind me into any agreement with either you. Diversified has never even contacted me concerning this account to give me my right to dispute  the validity of this account. Please remove from my credit file immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-08
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Lease via Kia Motors. Due in XX/XX/2020. All lease contract obligations were paid in full on XXXX, paid via bank including any turn in fees, etc per the contract. Vehicle was turned in to dealership on XXXX. Dealership accepted vehicle and provided turn in paperwork to me. Lease/ Loan debt was fully paid as indicated by Kia Motors credit report update issued on XXXX showing that account was paid in full and has a XXXX balance.XX/XX/XXXXXX/XX/XXXX XXXX. 
Credit agencies receive report that my loan is past due by {$390.00} on XXXX, though they indicated it was paid in full on their credit report submission on XXXX. They are now saying that an early termination fee is due, though I paid the account in full to satisfy all contract obligations. 
I have contacted Kia Motors only to be told that that is their policy and therefore could not be helped. 
I have disputed any claims of delinquency via XXXX and XXXX XXXX credit reporting agencies.

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 2021-02-01
Company: Collection Service of Nevada
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX and collection service of Nevada. They have issued documents to for collections on night issue with XXXX XXXX XXXX XXXX XXXX live Nevada has not responded to my CFPB request.? XXXX XXXX in collection service of Nevada has illegally process a collection process. I have 4 other disputes West collection service in Nevada and they have not responded with the CFPB. I'm calling the CFPB to make an issue about collection service under that are not responding to the XXXX XXXX frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: Asset Recovery Solutions, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted the company asset recovery solutions llc XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX. I owed university of XXXX tuition, i had lost my financial aid. I made a settlement and payment agreement with them. I paid {$300.00} down on XXXX XXXX, XXXX. Then {$95.00} bi-weekly when i got paid would be debited out of my account until XXXX. this was done, so i believed the debt was paid i recieved no calls, emails, or letters saying otherwise. This was also removed from my credit report. I recently tried to re-enroll in university of XXXX and was told i still owed them and it went to another agency. i contacted XXXX XXXX, they said a payment didnt come out so they sold my debt. i was never notified and tey kept debiting my account for the remainder of the payments. they state that a payment in XXXX did not post. I know that they have to contact me when selling my debt, they did not. they kept debiting my account and never let me know a payment was missed until i contacted them when i couldnt re-enroll in college. they sent me documents about my settlement and my payment reciepts i am attaching them. thank you. 
sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: EQUIFAX, INC.
State: IN
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I tried to have them remove false information. 
I would like to know their Rules and procedures for obtaining bankruptcy information. I have been in correspondence with XXXX XXXX XXXX, U.S. bankruptcy court And he stated the court does not communicate or verify information directly with the credit reporting agencys.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: Coinbase, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
The problem is a common one. It is with COINBASE. 
They state that deposited fund may be held for 3-5 days until they clear but mine are on hold for 30 days. 
I have made 4 different deposits for modest amounts of {$100.00} and while the first one was available in a few days. Every subsequent deposit is being held for 30.

Their reply at first was that it was for security reasons. Then it was because it was a bank transfer ( so was the first one ) and then it was a big from the roll out of new features. Then I was told that it was not a bug on their end and now it is because there may have been suspicious activity but that is now possible since they have held all the funds the whole time. 
The only activity was an initial {$25.00} transfer to XXXX to purchase some XRP. 
XXXX is replete with stories even worse than mine. All I wanted to know from them was why the hold was so long? I was told that it was exceptionally long and they were looking into it. 
My funds are still on hold but the 30 days are not up. 
Hardly the 3-5 days they promised.

Thay sounds like fraudulent advertising to take advantage of new clients to pilfer interest money to me. 
Please look into this company for the American public? 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
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: Personal information incorrect

Complaint:
The address at XXXX XXXXXXXX XXXX XXXXXXXX XXXX Fl XXXX is not my address. i have never lived at that address

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 2018-09-28
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A debt collector called me about two weeks ago saying that I owed some debt from a medical procedure. I had never received a bill from the doctor or from anyone for that matter so I was shocked to get the call. They asked me to pay on the phone, I declined to do so because I thought it was a scam call. I did some brief research online and saw that they needed to send me written validation of the debt before I needed to dispute the debt or do anything ( see 15 U.S.C.A. 1692g, requiring written validation ). I got another call tonight and the person was very rude and demanded that I pay the debt right then on the phone. I informed the lady that I had not been sent a validation. She insisted that I had ( quoting my street address, but not giving my city or zip code - perhaps they sent it to the wrong address? ). I have not received any written notice as required by law, and this debt collector lied to me about having sent the mail required by law. This is unacceptable and illegal intimidation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call excessively every day from different phone numbers each time, including Saturday and Sunday, and sometimes before XXXX and XXXX. Today, XX/XX/19, they called me at work. I am not allowed to receive personal phone calls at my place of employment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-19
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to be investigated and corrected for erroneous reporting in my file is listed on my credit report : XXXX XXXX XXXX : {$0.00}

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 2020-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I highly dispute being falsely accused of committing a speed violation law in the District of Columbia on XX/XX/2020 by XXXX/XXXX. I am infuriated and perplexed by Capital One N.A. Bank 's inability to proactively intervene to prevent fraud activity such as this merchant to still frivolously process an unauthorized charge to my account in the amount of {$130.00} mid-night of XX/XX/2020. 

As per the instructions, I wrote to dispute this wrongfully violation charge. This notice of violation is not hereby constitutes I was found speeding. I suggest this violation be removed and I reclaim my name after all I did not commit a speeding violation. Clearly this is a mistake. This suggestion comes out of respect for tax payers, and my request that their hard earned money not be wasted in such proceedings. As there is no evidence of my involvement with this alleged violation, as well as the fact that I am not granted my 6th amendment right to face my 'accuser ' ; I see no way the government could prove my guilt beyond a reasonable doubt. I also find no legal requirement for me to implicate someone else in this process, as it is the government 's responsibility to prove a person 's guilt. It is also my 5th amendment right to remain silent on the matter. 
If it is the government 's decision to move forward in this matter, I would request copies of any evidence the prosecution may have of my involvement in the " offense '' ; as well as, all alleged maintenance records for the allege camera ( s ) violation involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I took a look at my credit and notice there is a bankruptcy reporting to my credit that is not mine. I have never filed for bankruptcy and ask that you have this incorrect information removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I submitted the Compliance Challenge for metro 2 to experian as you'll see in the below pdf. 

They never responded to the letter of challenge for the negative items and its now XX/XX/XXXX XXXX OVER 56 days ) VIOLATION # 1 they fail to respond to your written disputes within 30 days ( a 15 day extension may be granted if they receive information from the creditor within the first 30 days ). 
Consumer protection afforded by the FCRA FCRA Section 611 Part ( A ) ( 1 ) They never removed the accounts after being shown the inaccuracies with there reporting from the below either. 

VIOLATION # 2 Credit bureaus, if they refuse to correct information after being provided proof of inaccuracy. 
Defamation, willful injury FCRA Section 623 CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the XXXX XXXX XXXX Case XXXX XXXX XXXX XX/XX/XXXX, Filed ( XXXX No. XXXX XXXX ). 
Extent of damages incurred by the wronged party, as deemed by the courts. 


These are VIOLATIONS and they HAVE TO PAY NOW. I've attached the images of the disputes that were initiated in the time frame. They never even initiated a dispute and they never even responded. They also never removed any of the information after being sent the proof of inaccuracies.

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