BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-02
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I went to HSBC and because Im glad she judged me and refused to give me my funds.Im XXXX XXXX. Basically I go to HSBC Monday the XX/XX/XXXX About XXXX XXXX. I fill out my direct deposit slip to make a withdrawal for XXXX dollars. The teller looked at me and asked. Do you have a atm card. I politely told her. I lost my ATM card and the new hasnt arrived yet. She replied so you dont have a ATM card. Which I just told her no. So she told me to let her get the manager. The assistant Manager looked at me looked at my account and questioned me about the funds in my account. I applied for a business loan from sba due to the Covid.She basically said sorry I cant let you withdraw any funds I need more documentation? So I emailed them my documents on from SBA and the still want give me my funds.I called several of times and they still havent released my funds that are available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: Santander Consumer USA Holdings Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 - 30 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MN
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:
In XXXX I sued Carrington Mortgage Services LLC aka Carrington Resolution Services LLC ( CMS ), in Federal Court for reporting false, and duplicate information to the credit reporting agencies, and then refusing to take the information off my credit reports, after the issue was brought to their attention ( violations of the FCRA & FDCPA ). In 2016, CMS paid a substantial settlement to me in order to settle the lawsuit. The debt was a 2nd mortgage on my property. 

My complaint today is because I have since been made aware that CMS violated the terms of the settlement agreement that they signed with me and are in breach of the contract, as our Settlement Agreement and Mutual Release ( SA ) specifically states and promises that I would be release " of all claims whatsoever '' ( item # 4 in the contract ) as a result of the agreement. However, I later learned that they sold the 2nd Lien rights to XXXX XXXX XXXX ( I am filing a complaint against them as well ). The 2nd lien they sold to XXXX is a " claim '' by definition, and was the only security they held against my property, therefore, CMS is in violation of our SA. 

I am currently trying to refinance my house, however, XXXX has stated that the will not provide a lien release on the 2nd lien that CMS sold them, until they are paid {$35000.00}. I have now suffered damages, as my lender is unable to secure a lien release. XXXX was unable to respond to a recent Validation request yet is demanding $ XXXX for the lien that CMS had already promised to release me from.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: ASG Solutions LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This person Mr. XXXX XXXX keeps call from an annoymous number ) leaves a voicemail with a call back number of XXXX. I told him they need to mail me proof of what is talking about. I have asked for his company information, business license etc. which he refuses to give. Have asked him 4 times to not call me at work. Which he continues to do. Call XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. 
Told him today again to stop calling, I have not received anything via email. I said to stop calling me at work, he said I can't do that. Threatening that his next step is to file in my county. Again, I have never done business with this person. Very rude and again keeps calling me at my place of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity. The following credit inquiries are all fraudulent, unauthorized and dont belong to me : XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX.This is my fifth time requesting for the fraudulent credit inquiries to be deleted and removed from my credit report. I want all of these fraudulent credit inquiries to be immediately deleted and removed from my Experian, XXXX and XXXX XXXX credit report.

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 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$92000.00}, and XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$98000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2020-11-17
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Navient is sending emails regarding recent payments and past due payments, including payment dates, to non-contracted parties. My sister is getting emails to an email address with her name on it that has no ties to me or the cosigner. I have requested this communication stop at least twice and it continues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: Possible Financial Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature Copy of bill showing last default date

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: Johnson Mark LLC
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I got served a Summons from the Attorneys of JOHNSON MARK LLC about a debt that I owed to XXXX XXXX XXXX.

I sent them a debt verification letter in return and received a reply. 
In Utah, you have to be registered and licensed as a debt collector in order to try and collect on a debt. When I called the office of JOHNSON MARK LLC, I asked the gentleman I spoke to if I could have their professional license number so I could verify if they were licensed to be a debt collector. He claimed to not know where he could find this information, and I would have to do so on my own. 
I called the Utah Division of Commerce, Consumer Protection and found out that while JOHNSON MARK LLC is a legal law office, they are in no way registered or licensed to be debt collectors, so have no legal right to try and collect on my owed debt.

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 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I applied for a XXXX credit card today XX/XX/2020 and I was not approved. I was told that the reason I was denied was that there were two accounts in negative standing appearing on my credit. The account names are XXXX XXXX XXXX for an amount of {$280.00} and XXXX XXXX XXXX XXXX XXXX for an amount of {$980.00}. Neither of these accounts belongs to me ; I never signed any contract or agreement with these companies and I never allowed them to run or access my credit file. I don't know who could have opened these accounts in my name because I have never allowed anyone to open an account on my behalf. I did not benefit anything from these unauthorized accounts such as money, goods, services or any other benefit nor did I make any payments towards these accounts. I have already filed a police report regarding this suspicious activity on my 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 2018-05-22
Company: EQUIFAX, INC.
State: FL
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 name is XXXX XXXX, I am contacting you regarding accounts on my XXXX, XXXX and EQUIFAX credit report. 

I have already contacted THEM but they have done nothing to resolve the issue. There are 6 student loans accounts that not belong to me.

I would like them removed because they are fraud and do not belong to me.

Please make THEM delete these fraudulent accounts ; this inaccurate information has directly affected my chances of getting approved for any type of loan or job or ability to get a license which requires a good credit rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-28
Company: Commonwealth Financial Systems, Inc.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
A medical debt originally popped up on my credit report in XXXX. It was disputed because I never knew about the debt and it was removed. I attempted to inquire of the debt and the collection agency listed at the time stated they hadn't been used with the original creditor for 8 years. No one knew of this debt. the original creditor stated they had sent the debt to collections and had no knowledge of it. It has been sold at least twice and each time it was disputed within 30 days directly to the new company and never placed on my credit. 

I guess applying for a new credit card in XX/XX/XXXX " pinged '' Commonwealth Financial Systems ( XXXX XXXX   XXXX XXXX XXXX PA XXXX ) who placed the debt, without any notice to attempt to properly collect, on my credit report. They reported the date as XX/XX/XXXX ( in XXXX of XXXX, ) and my score dropped XXXX points to a XXXX with XXXX XXXX. I disputed this with XXXX  through XXXX, sent them a screenshot of a previous dispute from another collector ( XXXX, ) noting they had removed this collection previously after not being able to verify the debt. Within 7 days, XXXX completed the dispute with merely updating the dates of the debt with the dates in my screenshot. 

This collection agency is violated the Fair Credit Act, by not collecting properly and possibly HIPAA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 name is XXXX XXXX, I am contacting you regarding accounts on my XXXX, TRANSUNION and XXXX credit report. 

I have already contacted THEM but they have done nothing to resolve the issue. There are 6 student loans accounts that not belong to me. 

I would like them removed because they are fraud and do not belong to me. 
Please make THEM delete these fraudulent accounts ; this inaccurate information has directly affected my chances of getting approved for any type of loan or job or ability to get a license which requires a good credit rating.

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 2018-05-23
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: Their investigation did not fix an error on your report

Complaint:
I submitted disputes to the credit bureaus about an account that is older than seven years. I clear understand the rules that the statue of limitation begin since the last day of payment or activity, so the account in question is XXXX XXXX knowing that this item is from XX/XX/2010, so I submitted the disputes but the credit bureaus XXXX, XXXX and Experian did not delete the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I sent ltc to my wallet today. On top of that, I received a notification that my transaction was suspended for 72 hours. But I need the money very soon. 

It was coinbase.com Referenz-Code : XXXX XXXX. XXXX 2018 XXXX LTC

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
i have file more than once to the ftc about XXXX XXXX  using strong-arm tactics by scamming me, they lie to me about collecting money i have auto insurance with them and credit cards at the time. the XXXX XXXX  call me using my auto account saying i needed to make a payment, i was at work so i did but got home and call the auto insurance said they did not! i told they what happen and they gave my money back! i have a file with the federal trade commission on this but still, i get a monthly collection company from different ones trying to collect! they are scamming and used underhand tactics and have put my health into problems. a vet with XXXX and XXXX and on fix income what is going on i can not get any help at all. even the ftc complaints are no good in helping with this matter! i want this completely to stop this is not right!

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 2019-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX a debt on my credit file that I do not owe. This debt was included in my Bankruptcy # XXXX. They are in violation of the Bankruptcy Law Act for continuing to report a balance. They are also still updating every month. This needs to be fixed.

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 2017-02-03
Company: Municipal Collections Services, Inc.
State: IL
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Insufficient effort was made to notify me of my debt. As a result, I did not receive notice of my right to dispute the debt, which is required by law. The first communication I received regarding the debt was a notice of license suspension received from a tenant at a very old address who tracked me down ( apparently they are better at skip-tracing than MCSI ). 

The phone number that was used to attempt to contact has not belonged to me for over a decade. No further attempts, that I am aware of, were made. 

When I called to request this information be forwarded to my correct address withing five business days, my request was refused. 

Please see the attached document for a record of the notification ( Dated XXXX/XXXX/16 ) mailed to outdated address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: CAVALRY INVESTMENTS, LLC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Upon reviewing my Credit Report, I've seen an inaccurate record from Calvary Portfolio Services. On XX/XX/XXXX I've sent them a letter, requesting validation of this debt and ask to stop all collection activities, until such dept is properly validated ( as XXXX XXXX, plaintiff, vs. DIEM CORPORATION, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XXXX ). 

Instead of sending me requested documents, Calvary Portfolio Services replied with just an " account is accurate '' letter ( see file attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
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: Their investigation did not fix an error on your report

Complaint:
I am submitting this complaint about XXXX credit reporting company. There is an account XXXX XXXX XXXX  that is still reporting on my credit report. This account was verified to be deleted off my reports. I keep receiving that the furnisher of this account has verified that it is mine. This account had fraudulent activity done on it a few years ago. This account does not belong reporting on my credit report

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 2018-05-23
Company: Coastal Credit, LLC
State: HI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I financed a vehicle with Coastal Credit LLC in XX/XX/XXXX, the vehicle was repossessed in XX/XX/XXXX. Coastal Credit LLC reported it on my credit report as an Account written off, with balance of {$8600.00}. However, after they charged it off, they added interest and fees, the balance they are asking me to pay is {$13000.00}. 
I contacted them in several occasions. I contacted them for the first time years ago. Last time I talked to them was last week. They are not willing to set up any type of agreement. They have been rude ever since I gave the car back, I have been threatened with getting my chief of command contacted, which is the President of the United States. I have been willing to work with them but havent received the same treatment on their behalf. They are asking for the full amount of {$13000.00} and they told me they will take me to court if I dont pay the full balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.CHAPTER XXXX BANKRUPTCY XXXX XX/XX/2020 {$0.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX/XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX XX/XX/2020 CHAPTER XXXX BANKRUPTCY XXXX XX/XX/2020 {$0.00}

Company response to consumer: Closed with explanation