BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-17
Company: Sequium Asset Solutions, LLC
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A week or so back, I disputed the information on my credit report when I noticed this collection placed. I have no knowledge of this account, and am unsure of the debt. Since then, I still have not heard back from the company or XXXX. I have not received a notification to initiate a dispute for this information, 809 ( a ) of the Fair Debt Collection Practices Act. Under 809 ( a ) ( 3 ) of the act, I know that the 30 days starts upon receipt of notification to dispute. However, I have not even received the information, regardless of when it was mailed out, and it is affecting my credit report. I want this information to dispute the debt, and receive validation of this supposed debt that I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: Shellpoint Partners, LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Shellpoint Mortgage Servicing ordered the Trustee ( XXXX XXXX ) to illegally foreclose on my property and now they refuse to provide information to identify which entities the monies where distributed to with my equity. There are clear fraudulent activities taking place with total lack of transparency and accountability on Shellpoint 's part. 

On multiple complaints I requested for simple identification of the entities that had beneficial interest and to whom the funds were disbursed to. The response and answer clearly indicates that Shellpoint is hiding critical information and committing fraud. 

Their response is as follows : " Please be advised, when there is a foreclosure on a property, there is no HUD information provided. That document is only provided when there is a sale or short-sale of a property. Regarding the names of the entities that funds were disbursed to, since this was after the property was foreclosed upon, you no longer had interest in the property, and Shellpoint is not required to provide that information to you. '' Apparently they're continuing to charge to the account long after the property foreclosed according to Shellpoint 's provided internal report and records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed a dispute for unauthorized transactions to my capital one debit card. They are refusing to give me my money back when I didn't do any business with the merchants in question. I would like my money back. One claim is {$850.00} and another is {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed 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 is the list of the erroneous inquiry reporting on my Credit Report : XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: BBVA FINANCIAL CORPORATION
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Me and my wife purchased a vehicle through XXXX XXXX XXXX back in XXXX of 2016, and when my wife filed a Ch. XXXX, it did not affect us making our car note payments on time ; however, because my wife filed a Ch. XXXX, BBVA will not allow us to make our car payments on line. 

We pay BBVA on the phone, but for the last two weeks, we have being trying to pay our car note, and their recorded message tells us to leave a call back number, and a representative will call us back ; but no one has called us back yet. 

BBVA has made it very difficult to make payments to them, and you would think it would be just the opposite, all we want to do is conveniently make a car note payment. 

Just because my wife filed a Ch XXXX, should not stop us from been able to pay online, they treat us as if we are a second class citizen, because of a Ch XXXX that did not even affect us paying them!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
There is a XXXX XXXX credit card, account number XXXX, that is showing delinquent in XXXX and XXXX of XXXX. The account was closed at the time and should not have been showing delinquent. I have discussed the matter with XXXX XXXX and they said they rectified the issue on their end and would report the corrected information to the credit bureaus. The correction never happened and although I have disputed the information with the credit bureaus, the information is still showing incorrectly.

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 2023-05-11
Company: Kriya Capital, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
your company has broken the law, they have furnsihed my information without my consent I am cease and desisting all illegal activity as they have violated 15 usc 1692c I am well aware of my rights as a consumer and I am ceasing all mediums of communication and that includes that through my consumer report or any other tactic to attempt to collect information, If my case is not taken serious I will hold all parties involved civilly liable in pursuant to 15 usc 1692k as they have caused mental distress and marital instability with me and my partner, I demand a deletion of these accounts From my consumer report at once.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-27
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Automatically upgrading to premium checking @ XXXX dollars per month. Should be an opt-in not an opt-out which is buried in fine print. XXXX and ethically questionable

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: AFNI INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
AFNI and one of many collection agencies who try to collect a XXXX Account for XXXX during the last year. When filing a complaint the companies that were reported ceased collection 's Many complaints about XXXX  have been filed with this bureau. I have asked several companies trying to collect this debt and when I tried to get them to verify this debt in writing, they just sent a copy of the XXXX bill ... I my opinion, this was not a validation of debt. See complaint XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: TRANSWORLD SYSTEMS INC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have been called 5 times since Monday, XXXX XXXX 2017 by XXXX XXXX XXXX XXXX. They have no account associated with my name or phone number, but they continue to call anyways. I have requested to be placed on their do not call list 3 times, the first request being over 48 hours ago ( on Tuesday, XXXX XXXX 2017 ) and they are still calling my phone. The most recent call was today, Thursday, XXXX XXXX at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: AL
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:
In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C. 1681 Section 602A. States I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: AMERICAN EXPRESS COMPANY
State: SC
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:
I have applied for numerous credit cards and while in the earlier stages I was advised that it would be more difficult to obtain a credit card due to a lack of credit history, I should continue to build credit with my current two cards. I have been advised by XXXX  that I had a 98-100 % chance of being " pre-approved '' for their credit cards and am subsequently denied every time on these hard inquiries. I have upwards of 15 denied credit inquiries, which I've attempted to dispute with my bank, XXXX  and American Express. An XXXX phone service agent admitted to me that their website can be deceptive in terms of having people apply for a credit card and the likelihood of being approved. I need these inquiries to be removed and XXXX  should be investigated for their unethical and misleading phone agents. I would these inquiries to be removed from my credit file so I can improve my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
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: Account information incorrect

Complaint:
Ive tried contacting this company to dispute inaccurate information they reported to the credit bureaus XXXX  XXXX and Experian. There is no phone number and Ive written letters to the XXXX. XXXX they have As address beginning on XXXX and have yet to receive a response. This companies erroneous reporting of this account has vastly effected my ability to acquire 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 2020-12-04
Company: Experian Information Solutions Inc.
State: OH
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 PREVIOUSLY SUBMITTED A DISPUTE FOR IDENTITY THEFT AND THE PROBLEM HAS BEEN RESOLVED.

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 2018-10-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am disputing 2 inquiries On XX/XX/2017 XXXX/EXPERIAN IDENTITY XXXX XXXX/EXPERIAN CREDIT WORKS I NEVER CONTACT THEM I FO NOT HAVE ANY IDEA WHO THIS IS! 
Please remove this from my credit Thank you 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 2017-12-14
Company: Coinbase, Inc.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have been trying to sell my XXXX from my Coinbase account since XXXX/XXXX/XXXX and it is now XXXX/XXXX/XXXX. I have uploaded the requested identity documents ( front and back of Drivers License ) multiple times. They have an automated response saying verification has failed due to a heavy load. The value of XXXX is dropping and it is proving to be illiquid with Coinbase. It seems like they are stalling because they cant complete the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
It's been over 30 days since i purchased the car cash in full and still have not received the title even though Florida statutes state the title must be received by the purchaser no longer than 30 days from the purchase date. I've gone back and forth with customer service too many times to count each time and told different things. I don't know why this has to be so difficult. The funds were taken out of my account a minute after I personally handed the cashier 's check to the dealer all I'm asking for is proof of ownership in return. I've submitted email requests; written requests done all they've asked with online forms etc. to no avail. It pains me that I even have to go this route but feel like I have nowhere else to turn.

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 2018-09-07
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:
My information was used fraudulently on my report. As a result accounts are on my report that are not mine. 







XXXX XXXX XXXX Status Closed Balance {$530.00} Type Collection Payment Status Late XXXX XXXX XXXX XXXX  XXXX Status Closed Balance {$3200.00} Type Collection Payment Status Late XXXX XXXX XXXX XXXX XXXXXXXX Status Closed Balance {$1800.00} Type Collection Payment Status Late

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 mail was forwarded online at USPS to an unknown person at address XXXX XXXX XXXX XXXX Indiana in XX/XX/2022. Starting XX/XX/2022 they used my ssn and opened an account with XXXX XXXX XXXX  I contacted USPS and they opened a case to stop my mail being forwarded fraudulently. I told a rep for first XXXX I was the victim of identify theft and fraud. I also filed a police report with my town XXXX Police Department in XXXX, IL. I have a credit fraud and freezes on my accounts. They also tried to use my XXXX credit card but were denied. 

My credit has taken a massive hit and XXXX XXXX  continues to keep dinging my credit. 

The balance is over {$900.00} now that some person in Indiana racked up. 

My police report number with XXXX Police Department is 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 non-monetary relief
Consumer complaint received 2021-03-29
Company: EQUIFAX, INC.
State: VA
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:
The bank informed me that XXXX XXXX County reported missed payments for the XXXX and XXXX real estate taxes, I provided the bank with my proof of payments, the bank ignored the proofs and later claimed that it paid XXXX XXXX County again and the county refused to refund the money it paid. The bank then demanded that I must refund the amount that the county refused to return.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Paypal Holdings, Inc
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Reference ID : XXXX Since XX/XX/2023 my account was frozen with message " Your account access is temporarily limited ''. I have tried to contact PayPal customer service many times and I they don't provide any information about why my account is frozen. I have also never received any emails related to the case and emails that I was promised by PayPal customer service, with explanation why PayPal is holding funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The following accounts are incorrect and adversely affecting my livelihood XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Experian Information Solutions Inc.
State: NV
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:
Dear Consumer Financial Protection Bureau, I am writing to you today to express my concern about the inaccurate information that is still being reported on my credit report despite my previous attempts to dispute it. The account in question is for XXXX XXXX, and it is being reported derogatory across all three major credit bureaus : XXXX, Experian, and XXXX. 

I first noticed this inaccurate reporting in the fall of XXXX and immediately contacted the credit bureaus to dispute the information. The account had been charged off as bad debt, and it was reported as being purchased by another lender. However, the account balance was reported as unpaid, which was not accurate. The account had been settled in full, and there was no balance owing. 

Unfortunately, despite my dispute, the inaccuracies continue to be reported on my credit report to this day. The most recent reporting in XX/XX/XXXX shows that the account is still derogatory and that it has been sold to XXXX XXXX XXXX XXXX XXXX 

I am writing to request your assistance in resolving this matter. I have taken all the necessary steps to dispute the inaccurate information, but it seems to have fallen on deaf ears. I believe that this inaccurate reporting is unfairly affecting my credit score and could impact my ability to obtain credit in the future. 

I would greatly appreciate your help in getting this matter resolved. If there is any additional information that you require from me, please do not hesitate to contact me. 

Thank you for your attention to this matter.

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 2023-08-10
Company: Credit Systems International, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I am filling a complain against credit systems international. 
on XX/XX/2020 XXXX XXXX reported to the credit systems collection that I do owe XXXX XXXX {$100.00}, I have been contesting this item for several years as it does not belong to me and should have been removed due to burden of proof. 
this past XXXX weeks I apply for a house mortgage and this effecting getting the loan, finally contact the collection and I told them that this not belong to me because I don't live in Alabama in XXXX and it does not belong to me, they asked me for proof which is I don't have since its not mine and she refused to remove it. 
Its been disputed with XXXX but they say It will take up to 30 days and I don't have this time because I am about to lose our chance to get the house me and my family wanted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: EQUIFAX, INC.
State: TN
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:
Several months ago I pulled my credit report and noticed errors on my report. I reached out to the credit bureaus on several attempts, but I was never successful in getting the issue resolved. I have also reached out to the organization as well only to be ignored. MSDHS Division of Child Support is illegally reporting to my credit profile which is also violating my rights under the FCRA. 

According to the Supreme Court, child support is unconstitutional. According to Wehunt v Ledbetter, child support was designed to support the state. There is no law that states I have to support the United States Treasury. 

Also, according to Blessings v Freestone there is no legal right for the mother nor the father to receive child support. 

My rights under the FCRA have been violated as well : 1. 15 USC 6801 ( a ) Privacy Obligation Policy : " I have the right to privacy. '' 2. 15 USC 1681 ( q ) Obtaining information under false pretenses : " My written consent must be given before anything can be placed on my credit profile. '' 3. 18 USC 1028 ( a ) Aggravated identity theft : I never gave my written consent for this information to be reported to my credit report.

Company response to consumer: Closed with explanation