BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-02
Company: QC HOLDINGS INC
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I went to quik cash to get a pay day loan. They claim to have contacted me via mail. However I do not recall receiving any letters or emails. 

Before I know it I am being told by a family member that I am being summoned to court. The person who was serving me disclosed the information about the summons to the third party ( a family member ). A few days later the same person left the summons on the family members door step. The person who was trying to serve me apparently tried to give the summons to said family member. The family member refused to take the summons. This in itself is not the proper way to serve someone. 

So apparently quik cash will take you to court, and have you pay the court cost over a $ 300- {$400.00}  payday loan. They will not try to settle with you, or ensure that you received previous letters, or report it to your credit. Quik cash will immediately summons you to court over a small lian and have you pay for it.

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 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was reviewing my credit report and i saw accounts which are not mine. 
In accordance with the Fair Credit Reporting act XXXX Accounts : XXXX # XXXX Date opened XX/XX/XXXX and XXXX XXXX XXXX # XXXX opened was opened XX/XX/XXXX HAVE VIOLATED MY RIGHTS! 


15 U.S.C 1681 section 602 A. 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 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 2022-04-07
Company: Global Lending Services LLC
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I WAS SENT AN ALERT THAT THIS COMPANT BY THE NAME OF GLOBAL LENDING SERVICES HAD OBTAINED A COPY OF MY CREDIT REPORT WITHOUT MY PERMISSION. UPON CONTACTING THIS COMPANY THEY PLAYED CRAZY AND ACTED AS THOUGH THEY DID NOT WHAT I WAS SPEAKING OF. THEY ARE LISTED ON MY XXXX CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX XXXX, 2020, CAPITAL ONE AUTO FINANCE add a hard inquiry on my credit report per XXXX, XXXX  and XXXX. 
On XXXX XXXX, 2020, XXXX XXXX  add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, XXXX add a hard inquiry on my credit report per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: Coast to Coast Financial Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Recently I ordered a copy of my credit report and discovered that a collection agency by the name cost to coast financial is reporting a negative account to my credit report in regards to a XXXX XXXX XXXX   company. This is not my account. I have never done business with this company. I tried to resolve the issue with them but they have refused due to a document with my name and a signature that is not mine. They do not have my Social Security Number or my Drivers License as proof that this debt was obtained by me. Anyone could have used my information and signed for it.

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 2022-04-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was reviewing my credit report and i saw accounts which are not mine. 
In accordance with the Fair Credit Reporting act XXXX  Accounts : XXXX # XXXX Date opened XX/XX/XXXX and XXXX XXXX  XXXX # XXXX opened was opened XX/XX/XXXX HAVE VIOLATED MY RIGHTS! 


15 U.S.C 1681 section 602 A. 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 2021-12-01
Company: Regional Management Corporation
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
To Whom It May Concern : I XXXX XXXX recently made a requested to Regional finance for a debt validation for a account that is reporting on my XXXX, As a charge off account on XX/XX/2021. Regional Finance sent me back a contract on XX/XX/2021. I do not recognize the amount, account number or the address in the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XXXX XXXX XXXX XXXX with Bank of America Credit department reduced my credit card limit by {$15000.00}. I have had the card for 15 years and never had one missed payment up to that date. The reduction of credit was done as a result of me asking to have a lower interest rate and having won an arbitration against Bank of America in the past. Clearly retaliation on two fronts. The retaliation has caused me financial harm by causing my credit to be lowered and caused me liquidity and cash flow issues. 
Bank of America took a bailout from the U.S. taxpayer and now rips off the American taxpayer with predatory credit card interest rates and retaliates against employees and former employees. Clearly the government bailout of Bank of America led to the retaining of corrupt management which abuses the American general public.

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 2020-04-24
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 A FEW INACCURATE ACCOUNTS THAT WAS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME NOR HAVE I AUTHORIZED THESE TRANSACTIONS. BECAUSE OF THESE INACCURATE ACCOUNTS MY CREDIT IS IN A HORRIBLE STATE. I HAVE SOME THINGS THAT I WOULD LIKE TO ACCOMPLISH BUT BECAUSE OF THESE INACCURATE ACCOUNTS I CAN NOT MOVE FORWARD. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED FROM MY CREDIT FILE AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: EQUIFAX, INC.
State: DC
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 submitted a dispute on XX/XX/21. I never received the results of my dispute as required by law. I never received a copy of my dispute. When I log into Equifax.com, there is no information about my dispute whatsoever other than an investigation was completed on XX/XX/21. I have received zero information about the outcome. My dispute relates to a credit disclosure I received for a mortgage stating I have " too many consumer finance company accounts. '' I have zero consumer finance company accounts. My dispute number is # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: Nelnet, Inc.
State: NH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I recently decided to increase my student loan payment with Nelnet to pay it off sooner. When I reviewed my payment history ( attached ) online today ( XX/XX/XXXX ) I realized none of my previous payments were being applied to principal. I called Nelnet and discussed this issue with XXXX. He was very helpful and understanding but unable to remedy the situation. He admit ( on a recorded line ) many times that the loan was originally incorrectly input into their system and I should have had larger payments which at the very least covered the interest ; that's right, the payments didn't even cover the interest! These payments began 4 years ago on XX/XX/XXXX. Nelnet 's solution was re-calculate ( not the right term ) my loan and divide the payments by the remaining 20 periods which increased my monthly payment from {$55.00} to {$1000.00} ( attached ). I did not request this even though the e-mail from Nelnet ( attached ) says I did ( again they recorded the phone calls ). That's obviously an unreasonable ask and leaves them without any fault, even though this entire situation was their admitted mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Freezing your credit should be free after the XXXX data breach. Step it up Congress!

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 2019-10-10
Company: EQUIFAX, 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:
Hello, I reaching out to you all again, I'm not sure if you received my information. I contacted the police and FTC about this situation. I went to the car dealership to try and buy a new car. I was denied the loan because of bad things on my credit I went and got my credit report done and there were several things that were not mine. I need those things taken off quickly, they are affecting my credit. XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-24
Company: Designed Receivable Solutions, Inc.
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:
Please see attached letter sent to DSRI along with a copy of a police report for Identity Theft. This debt is not mine please remove this from my Credit Report and please communicate in writing only. No Phone calls please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Experian Information Solutions Inc.
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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, # XXXX, # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. 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 an account without my written instructions

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 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX XXXX they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-02
Company: Perfection Collection
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX of XXXX my husband and I received the first and only phone call from a company called Perfection Collection I believe may be located at XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX .... I found this address while researching the company. A man named XXXX XXXX called and left a message on our home phone which we still have the recording so this is what he said word for word, he said he was calling regarding sealed documentation that we needed to sign that day, he said he was coming to our home in one hour and that we were to answer the door and except the documents voluntarily and if he could not locate us at our address he would stop by one of our family members homes to make sure he would cover all boundaries. This is the phone number he left on our answering machine .... XXXX XXXX .... he said either we call or he would be on his way. The debt was false, years ago we had an alarm system and from what I 've learned this company somehow got our information and tried to scam us with a false debt claiming it was from our former alarm company. We never received any type of correspondence from them other than the one phone call. I did call back and was told XXXX XXXX was not available so the person I spoke to said we owed {$1200.00} telling me that although we had no longer been in a contract with the alarm company due to the 5 year contract expiring which we fulfilled the 5 year contract and this was now two years later .... that the company automatically had rolled us into a new contract .... theres no such thing which I argued. Then I called a second time after doing some research on this collection company and learned this is how they operate, its a scam, so now the second call to them I 'm told there is no such person named XXXX XXXX and this time the person hung up on me after I confronted them. We hoped that was the end. They never called us again and never at all from the beginning did we receive anything in the mail so we do n't have any documentation to submit, what they did do is put collection notices on both myself and my husbands credit reports, this time for a different amount of {$880.00} which is strongly hurting our credit.

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 2022-04-07
Company: PNC Bank N.A.
State: KS
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I was contacted by XXXX XXXX of XXXX XXXX XXXX from ( XXXX ) XXXX telling me that they were a 3rd party and telling me to contact XXXX XXXX  XXXX at XXXX. I was also given a case number to use when I called. I called XXXX XXXX  XXXX and gave them the case number as reference. I was directed to XXXX XXXX. He said that they were a law firm located in XXXX and he was at the main office. I was informed that they were trying to collect a debt from National City Bank that was almost XXXX years old. He said that they had tried to send me a certified letter and I wasn't there so another attempt would be made that day, which was XX/XX/2022. He had no information regarding when the first attempt was made. I told him that I had checked with all the credit rating agencies just last year and didn't see that debt listed and got short with me. I called him back after realizing that the statute of limitations for a car loan was 4 years in XXXX  which is where the loan was defaulted on and 5 years in XXXX where I now live he got very angry and derogatory. I do not believe this to be anything more than a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Experian Information Solutions 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:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-02
Company: Experian Information Solutions Inc.
State: WY
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:
Experian is reporting a collection account as included in personal receivership. It was not. I paid this account. It was never part of a bankruptcy. I have asked 3 times to have this changed.

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 2017-08-08
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
My Coinbase.com account has been restricted for no reason. I am unable to purchase any cryptocurrency. I have contacted Coinbase Customer Support since XXXX XXXX, 2017 with zero responses. I have contacted them multiple times and via different routes but still no response or action on their behalf to unlock my account. Please advise what I should do as they have my personal information, IDs, and credit cards on file. Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: Adler Wallach & Associates, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The debt was removed from my account because of identity theft and debt was not valid. Debt was placed back on my account did not recieve notice or anything. This debt also violates my HIPPA rights as well. The company does not respond and keeps placing it back on my XXXX credit report. AWA collections and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I WAS SENT AN ALERT THAT THIS COMPANT BY THE NAME OF XXXX XXXX XXXX HAD OBTAINED A COPY OF MY CREDIT REPORT WITHOUT MY PERMISSION. UPON CONTACTING THIS COMPANY THEY PLAYED CRAZY AND ACTED AS THOUGH THEY DID NOT WHAT I WAS SPEAKING OF. THEY ARE LISTED ON MY EQUIFAX CREDIT REPORT.

Company response to consumer: Closed with explanation