BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-10
Company: Advance America, Cash Advance Centers, Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
A Representative named XXXX XXXX called me today XX/XX/2018 at approximately XXXX XXXX, XXXX and XXXX pacific standard time, harassing me about a trying to contact a person named XXXX over a debt and that this person used me as a referral. When I told her that I don't know this person nor her whereabouts she threatened to personally come to my home and do something to me. XXXX XXXX also said she would send some legal letters to my home. Total harassment. 


I don't know this person and I don't want this type of phone call and harassment and the threats.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
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:
I have a loan with CREDIT ACCEPTANCE CORPORAT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and CREDIT ACCEPTANCE CORPORAT with no successful resolution.  XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The last year 2017, my car was stolen in which my wallet was inside containing most of my personal information such as drivers license, social security number, and other sensitive info. I didn't think much of it seeing that I reported the incident but later on I would notice some weird changes. I started noticing new accounts appear in my debt collections that I had no knowledge of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-23
Company: DISCOVER BANK
State: CA
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. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-01
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: Was not notified of investigation status or results

Complaint:
An original letter was sent to the credit bureau in XXXX. I didn't receive a response so I entered a complaint on CFPB for XXXX. Bureau responded and asked for confirmation of identity. The requested information was submitted with the original request letter from XXXX as indicated in the letter from the credit bureau.The personal information on my credit report is still being inaccurately reported.

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 2018-08-10
Company: Ambassador Mortgage, LLC
State: LA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX XXXX XXXX/XXXX XXXX XXXX I'm writing in regard of services I received from Ambassador Mortgage. The services where unsatisfactory. During the month of XXXX me and my spouse where pre-approved for {$220000.00}. We had three homes inspected along with the appraisal. This went on for nine months the broker could never close the deal and get the final clear to close. She would ask our Realtor at the time was XXXX XXXX with XXXX XXXX XXXX for extension after extension this went on for 2 months with no closing date. She was not able to secure our mortgage. She coerce use into the lock in rate. Her fees consist of {$400.00} lock in rate, {$250.00} transfer paper from one house to another, {$170.00} consultation fee, appraisal {$570.00}, Home inspection for three homes totaling {$750.00}, credit bureau {$26.00}. We are out of {$2300.00} XXXX XXXX Owner Ambassador Mortgage XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, La XXXX XXXX.She was not able to secure our mortgage. She coerce use into the lock in rate. I would appreciate your assistance in resolving my complaint. If the matter is not resolved with a refund, I will seek small claims court and let a judge decide

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: EQUIFAX, INC.
State: TN
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:
1 ). On XX/XX/XXXX, I faxed my first round of dispute letters to Equifax Credit Bureau, which was my stamped Identity Theft Victim 's Complaint and Affidavit, which also had my stamped police report. By the FTC, ( Federal Trade Commission ) rules and regulations, Equifax Credit Bureau had 30 days to delete all fraudulent information from my credit report.

2 ). On XX/XX/XXXX, I faxed a stamped Identity Theft Victim 's Complaint and Affidavit, which also had my stamped police report letter to Equifax Credit Bureau, XXXX XXXX, and XXXX XXXX XXXX. This was my first round of dispute letters, for which Equifax Credit Bureau was supposed to remove : XXXX XXXX, opened onXX/XX/XXXX, with a balance of {$1800.00}. XXXX XXXX, opened on XX/XX/XXXX, with a balance of {$75.00}. XXXX chXXXX, reference number XXXX, filed on XX/XX/XXXX. XXXX XXXX, XXXX, inquired on XX/XX/XXXX. XXXX  XXXX XXXX   XXXX, inquired on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, inquired on XX/XX/XXXX. XXXX XXXX, inquired on XX/XX/XXXX. XXXX XXXX was supposed to remove : bankruptcy, reference number XXXX, filed on XX/XX/XXXX. XXXX XXXX, inquired on XX/XX/XXXX. XXXX XXXX, inquired on XX/XX/XXXX. XXXX  XXXX, inquired on XX/XX/XXXX. XXXX, inquired on XX/XX/XXXX. XXXX was supposed to remove : bankruptcy chapter XXXX, reference number XXXX, filed on XX/XX/XXXX. XXXX XXXX XXXX, account number XXXX, with a balance of {$2500.00}. XXXX XXXX XXXX, account number XXXX, with a balance of {$3100.00}. XXXX XXXX XXXX, account number XXXX, with a balance of {$4600.00}. 
3 ). Equifax Credit Bureau, XXXX XXXX, and XXXX XXXX XXXX had 30 days by the FTC, ( Federal Trade Commission ) to remove fraudulent information on the first round of letters ( The stamped Identity Theft Report, and my stamped police report, and XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-10
Company: EQUIFAX, INC.
State: NC
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 noticed that there was another unauthorized hard inquires from XXXX on XX/XX/2018 on my XXXX and Equifax credit report that i did not make, i've made several calls to XXXX, XXXX   and Equifax to have this removed and was told they cant remove or dispute hard inquires although they are aware i did not make it. 

I noticed every since i became a member of XXXX and Equifax i get hard inquires and things start to appear on my credit file out of know where as if an employee has stolen my information and using it for there own benefit. 

I did not make this hard inquiry, i was driving from another state when i received the notification ... someone from XXXX, Equifax and XXXX is working together using my info TO OBTAIN CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: Convergent Resources, 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:
The originial creditor was XX/XX/XXXX grom 2012 that was acurred in virgina. I filed bankruptcy im virginia in 2012. Also i wrote a letter asking for this debt to be removed because of the bankruptcy, and because of the statute of limitations. The only thing that has happened was this to be bounced around to new creditors that they have paid to take it over to, which I thought was illegal? The amount is {$140.00} with a new creditor bt the name of XXXX XXXX that have newly reopened in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: The Receivable Management Services LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

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 2018-06-21
Company: Shermeta Law Group, PLLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Recived a court summons for a credit card by shermeta law group for a credit card debt i for a unknown amount a credit card debt i know nothing about i feel if i owe thus debt id like to know what its for and how it got to the amount they are suing for it says the plaintiff is I have hired a attorney to file an answer so they don't get a default judgment i would like to see a contract that i signed they did attach a generic copy of terms and conditions that i could print off my self from SHERMETA.COM website. and i would like to see transactions that were made from the start of the debt to the end to validate this debt belongs to me and the amount.You, Shermeta Law Group , PLLC must be a Third Party Debt Collector and I do not give you permission to interfere into My Commercial affairs. If you are assuming that you are representing Me, you are Hereby Fired and your Power of Attorney is Hereby Revoked. 
As proof of claim, complete the attached CREDITOR DISCLOSURE STATEMENT and return within 15 days. 
Failure to respond with the completed CREDITOR DISCLOSURE STATEMENT, thereby providing your verified Proof of Claim, signed under the Penalties of Perjury and verified by your affidavit, you, Shermeta Law Group , PLLC are agreeing to your Commercial Dishonor, exhausting My Administrative Remedies. I will accept your Silence as an Acceptance, and your agreement that a Default be entered against you. You will also agree to a Full Tacit Contractual Agreement being a participant in Fraud and to forfeit all remedies under Administrative Law, Judicial Law, and / or MARITIME CLAIM RULES C ( 6 ). You should also be aware that sending unsubstantiated demands for payment through the United States Mail System might constitute mail fraud under federal and state law Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Bridgecrest Acceptance Corporation
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am submitting this claim against Bridgecrest Acceptance Corporation. I am looking for some support in getting Bridgecrest to  report my payments to the CRAs. I had to unfortunately file for bankruptcy in XX/XX/2018 and by law I had to list all of my debts, one being Bridgecrest, however I knew that I would not include them in the filing and that I would continue to make monthly payments on the loan and retain the car. On XXXX, I reached out to Bridgecrest and ask that they please report my payments and accurate history to the CRAs and the rep told me that once they get a Notice of Bankruptcy that they remove their trade-lines from all credit reports and that they would not be adding it back. She stated that the only why that I could get the trade-line reported is to refinance the loan with another lender. This seemed unfair! While I am paying on the car I like to get credit for my payments. I then reached out to XXXX   and XXXX to see if I could dispute and state that Bridgecrest is not reporting correct information and both reps stated that since they requested the trade-line be removed that I would have to work with the company, CFPB and even the XXXX to get them to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a letter to Experian on XX/XX/2020 regarding an inaccurate account on my credit report. They never replied. I sent a second letter on XX/XX/2020. Still no reply. It has been more than 60 days. They must fix or remove the account because it has been more than 60 days. Experian is in violation of 611 ( a ) of the fair credit reporting act. I sent my proof of identification with both letters so do not say its not me.

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 2018-03-28
Company: Alorica Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
RECEIVED A PHONE CALL FROM XXXX XXXX AT XXXX XXXX XXXX ON XX/XX/2018. GAVE THE FAIR DEBT " THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED SHALL BE USED FOR THAT PURPOSE ''. SHE INFORMED ME THAT UNLESS I PAY {$470.00} THAT DAY THE ACCOUNT WILL BE REPORTED TO THE CREDIT BUREAU. I INQUIRED WHERE THIS ACCOUNT CAME FROM, I RECEIVED NO NOTIFICATION OF THE DEBT FROM THEIR COMPANY AND HAD NO CHANCE TO REQUEST COMPLETE DOCUMENTATION/ITEMIZATION FROM THEM TO DISPUTE. SHE GAVE ME AN ADDRESS OF XXXX XXXX XXXX XXXX OHIO XXXX, MY ADDRESS IS XXXX XXXX XXXX XXXX OH XXXX AND VERBALLY INFORMED HER I AM DISPUTING THE VALIDITY OF THE DEBT, IF THEY ARE TO REPORT IT TO THE CREDIT BUREAU THEY WILL REPORT IT AS DISPUTED, AND AM REQUESTING ITEMIZATION SENT TO MY XXXX OHIO 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 explanation
Consumer complaint received 2018-06-21
Company: WELLS FARGO & COMPANY
State: AK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My wifes mother who is currently incarcerated opened a Wells Fargo credit card in her name when she was a minor. This account should have never been opened by Wells Fargo in the first place, however her mother incurred charges and never paid the balance. Wells Fargo considered this a charge off. In late 2016 my wife and I went to the Wells Fargo branch in XXXX XXXX, CA to open our first joint checking accounts. The banker that helped us ran into a rejection when opening the accounts. She could not tell us what the rejection was for, but called her back office and got them to bypass the account opening rejection. We later were notified that our accounts were being closed for cause due to the credit card that was ONLY in my wifes name. We tried to remedy the issue with Wells Fargos fraud department who never responded to our multiple requests. This account was closed due to actions of another person and should not reflect poorly on my consumer reporting with XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-20
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have requested on numerous occasions for information about the loan listed on my report for over {$5000.00}. I believe it is not mine. I NEVER took out a line of credit. I requested information over the phone and was transferred over 6 times and still was not given an answer or proof of the loan. I am requesting documentation that has my signature, the application that I filled out, the contract, and proof that I am the actual owner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: SYNCHRONY FINANCIAL
State: CA
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 was recently online looking to get more information on health credit and i believe they handled my information wrong and used my information as if i were to apply for a company titled SYNCB / National Cred Cards Airlines and I don't seem to recognize it.the only time I used my information to ( not apply for a health credit card was when I was on the Care Credit website ( for the health credit ) to apply for more information. I am fairly new to building my credit and I notice it hit a hard inquiry on my account and brought down my score. Unfortunately I have no memory of apply for a credit line with SYNCB ( Care Credit ) I do recall going on their website and applying for more information regarding pricing. All I'm asking is for this inquiry to be removed because I'm trying to build my credit and I understand its a learning process but I do not understand why they didn't notify me it will affect my credit if I were to apply anyways. Which in my case I think they handled my information wrong & I would like to be forgiven for the recent score it dropped on my 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 non-monetary relief
Consumer complaint received 2020-01-20
Company: Adler Wallach & Associates, 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 a charge off that is on that have no knowledge of. I have disputed this numerous times we no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
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 REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
XXXX Coinbase not only closed my account, but took all of my assets without reason or my consent and then demanded payment for successful banking transactions that were used to buy cryptocurrencies via their mobile app

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: LoanCare, LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Loan Care through XXXX XXXX  recently took over my mortgage. They have been horrible. Their website doesnt work. Every time I try to log in, it says incorrect password. When I try to reset my password, I get an error that it cant validate right now try back later. I have NEVER missed a mortgage payment but I cant get ahold of anyone at this company. When you call, it gives you no option to talk to a live rep. Instead, there is a 5 min message on tax information. There is no way to by pass this information. I dont need information on taxes, I want to pay my mortgage payment. However, I cant talk to anyone, cant get into the website, cant pay by phone, how am I supposed to pay my mortgage payment. Honestly, Im not sure this company really exists. How do I know that they really have my mortgage and this isnt some type of fraud. I wouldnt know ... I cant reach anyone at this company. However, my old mortgage company says they have my mortgage. Im at a loss of how to make my mortgage payment.

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