BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-17
Company: Credit Corp Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL. XXXX I learned about this debt under my name and social security last year when I was served with papers for a court hearing regarding the debt owed. After calling several locations because the account was sold to 3rd party collectors, I was informed this debt was for medical cosmetic XXXX in which I have never had any cosmetic XXXX done nor authorize such. They informed me that someone has been paying on this account, I immediately asked them where were the payment coming from and if there's any way tracing those payments. They also provided me with a different mailing address other than my home address that the invoices were being sent, I again asked them if they can trace this. I appeared in court XX/XX/XXXX in which and advised them this is not my debt and did not authorize this account to be open, never signed anything, do not know of this account until I was served at my residence place. The paper for the court hearing were sent to the correct address, however who ever used my identity was paying the balance from a different address and then stop paying which I know nothing of until I called and was provided with all this information. Credit Solution who is representing the company in which I do not even know their name indicated in court that they will look into this and contact me. Never heard back from them and received again a court hearing for XX/XX/XXXX in which I attended and finally spoke to to their representative and provided them with all my detail information, and an additional court date was set by the Judge for XX/XX/XXXX to give the Credit Collector time to investigate. They submitted a form by mail and I filled it out and sent it back. I recently receive a letter from them indicating that I do not qualify, not sure what this means. However I have court on XX/XX/XXXX and was not aware that I can file this ITR with the FTC so they can also further look into this, so I'm in hope that you can help me. If you can please further assist in this matter, so I can be prepared in court that I have tried to resolve this, since Credit Solution is not willing to understand that my Identity was stolen from me without authorization, I have provided them with all information that they were seeking and have attended every court hearing. I honestly feel that they did not further do they part in properly investigating this matter as the Judge gave them a time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: Experian Information Solutions Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020 I paid off my debt to XXXX XXXX XXXX XXXX XXXX Acct # XXXX with a balance of {$6900.00}. 

I will provide proof of payment and screenshots confirming I paid for this below.

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 2022-08-19
Company: Capital Link Management, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting debt collectors asking through call and text for the same person that I do not know, presumably the previous owner of this phone number.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: NATIONSTAR MORTGAGE LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied to recast my loan with Nationstar mortgage. I completed all the forms and have a copy of my new monthly payment. Nationstar appeared to have applied the money towards the principal instead of recasting the loan thus my monthly payment has not been lowered. The customer service supervisor told me it was a different department and could do nothing, she gave me an e mail address and told me to try that. I am still waiting for a response. In the meantime I am getting calls stating my payment is over due even though I am current and up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
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:
On XX/XX/2022 I contacted all three credit bureaus, XXXX XXXX, Equifax and XXXX to add fraud, alert to my accounts and provided police report documentation along with documentation to identify myself. On all three  credit reports, there are names associated with two fraudulent accounts that were reported to the credit bureaus, my accounts still display names that do not associate with me I have requested verbally over the phone on XX/XX/XXXX to all three  credit bureaus that my information reflect as follows Only one name report to all accounts, which 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 Equifax 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 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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Received unwanted marketing or advertising

Complaint:
On XX/XX/2019 I received an alert from my credit monitoring service about an inquire from XXXX XXXX in XXXX, wa XXXX ( XXXX XXXX ). Up unit that point I was unaware of this attempt for credit nor did I authorize it. The XXXX XXXX never allowed service to the perpetrator but they did add a inquire to my credit report with transunion.

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 2021-05-20
Company: Coinbase, Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Hello, on XX/XX/22 I made a crypto currency transaction to a Coinbase merchant and the Coinbase merchant has turned out to be a fraudulent entity. I have submitted a ticket with Coinbase, attempted to call them and reached out to them on XXXX and XXXX and have receive no response from them at all indicating they are looking into the issue or have any intention or investigating the matter. 

The fraudulent company that received the payment is XXXX  : XXXX and they are unreachable as well since the payment to them. 

The transaction was for XXXX Ethereum which at the time was about {$20000.00} in cryptocurrency. 

I am seeking Coinbase to reimburse me for the amount of Cryptocurrency lost due to the fact that the fraudulent website was a Coinbase merchant and had they not been an authorized Coinbase merchant. There has to be responsibility on Coinbase for authorizing the fraudulent website to become a Coinbase merchant and further allowing the illusion of a legitimate website/organization.

The official manufacturer website for the product I thought I was buying has the fraudulent website listed as know scam on their website which I found after the attempt purchase. XXXX : XXXX ( red text section near the bottom has XXXX XXXX XXXX listed as a scam ) The Coinbase reference number is below as well as the transaction details Coinbase Commerce Reference # XXXX The XXXX Ethereum is a very large amount of money for myself and I desperately need to recover the funds, any assistant would be appreciated as Coinbase has been unreachable to this point. 

Please let me know if there are any questions or if anything else is needed from my end.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: Ditech Financial LLC
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I did chapter XXXX bankruptcy, I decided to keep my mobile home through ditech financial. I paid ditech through the trustee, that same year we had a horrible hail storm and it did XXXX in damage to my home, the home needs new Windows, siding and a new roof, I contacted ditech for 5 or 6 months to no avail, so I took them off the bankruptcy and stopped paying them. Next I offered them a settlement on my house I've been paying on since XX/XX/XXXX, originally the mortgage was XXXX and after paying from XX/XX/XXXX to XX/XX/XXXX I now owe XXXX. I offered XXXX for a settlement and they said yes but needs all XXXX at once. I can't come up with that, so currently they left a house is vacant and abandoned sticker on my door. I've had nothing but problems from this company, XXXX was my first holder and they charged XXXX convenience fee when paying over the phone, ditech does the same thing. Please help and thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-17
Company: HYUNDAI CAPITAL AMERICA
State: NY
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:
To whom it may concern, We customers ( XXXX & XXXX XXXX ) are writing to make a complaints for Hyundai XXXX in XXXX XXXX at that time XXXX XXXX we paid down-payment {$1200.00} and was approved after tried at least 5 different running our credit. At that time was {$580.00} a month all different kinds of perks but over the cost of time .When we paid {$18000.00} all together but we was missing 3 payments the car was repossessed IN XX/XX/XXXX STARTING WAS 11 MILES AND CONTRACT TERMS WAS3 YEARS/45,000 Miles. Sold at auction {$10000.00} also yet to remind you the car suppose to be brand New XXXX Hyundai XXXX .We learn their was 3 Recall on car. It's on credit report.DECEPTIVE PRACTICE ( Bad practices ) We like to sue for {$18000.00}. Vin # XXXX Please help us soon as possible.i will send documents soon. 
Thank you

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 2022-10-10
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$73.00} XXXX XXXX XXXX Balance : {$82.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2600.00} XXXX ( Original Creditor : 07 XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX Balance : {$2300.00} XXXX AXXXX 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 XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 2019-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
On XX/XX/XXXX I sent all 3 credit bureaus certified disput letters along with sending alleged creditors the same letters all certified, 3 different accounts were to be investigated. I did receive names and contact information for verification on 2 of the 3 accounts being disputed, but never on one in the amount of XXXX , since I was given no evidence of my obiligation to pay these debts in the time given by FCRA requirements I sent another letter by certified mailXX/XX/2018 urging all 3 bureaus to remove this debt before legal action was taken and still have had no response. And I was never sent my free credit report that was also requested in disputed letters.

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 2017-12-10
Company: SYNCHRONY FINANCIAL
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am currently going through a financial hardship due to serious health issues. Many of my accounts are delinquent at this time. The calls are out of control with most of my creditors. However Synchrony bank is the worst. They call multiple times a day after I have advised them they do not have my consent to call my cell phone on an automated dialing system which is within my rights as a consumer under TCPA. It is my belief that they are in violation of FDCPA laws. They are leaving multiple messages on this same number multiple times a day. My understanding of these laws is that even if I have a multiple account relation ship with the company leaving one message a day is considered a contact. By law a message is a contact and they are only allowed one contact per day even if they did not speak to me. A voicemail is considered a contact under these laws. I feel as though this is an unfair practice and they are harassing me which is causing me added stress on top of all that I am going through right now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notice that I owed a debt from national credit systems. The letter stated that I had until XX/XX/XXXX to dispute the debt. I sent a dispute letter via usps to the national credit systems on XX/XX/XXXX. The letter was delivered on XX/XX/XXXX ( I can provide the tracking number if needed ). I have not received any response from the company at all. Today XX/XX/XXXX I received an alert of a new collection on my credit report. I do not know what this debt is for and I have not been granted the proper response from this company. This is completely unacceptable! 

Here is a copy of the letter I sent previously : Dear National Credit Systems , Inc : I am responding to your contact about a debt you are trying to collect. You contacted me by mail, on XX/XX/XXXX and identified this alleged debt. 
Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original credi-tor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 
Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Continental Finance Company, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Is continuing to report fraudulent information to credit bureaus stating that i ( XXXX XXXX ) owe them {$1000.00} for a collection account in which the original creditor Continental Finance Company LLC Assignee of XXXX. After i sent in request them to validate the debt with verifiable and accurate completeness by send me the contract bearing my signature as proof that the account belongs to me. I also made them aware that i am a victim of identity theft and fraud. I sent a copy of the police report as proof of my identity being stolen. they responded by mailing me a letter with just account details such as amount and account number. they failed to validate any debt claimed to belong to me. There was no signed signature bearing my name. I contacted them after receiving the letter and made them aware that they failed to properly validate the debt. They refused to delete the fraudulent 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 2017-08-23
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Nationstar has filed foreclosure without standing or jurisdiction. 
Nationstar has knowingly and repeatedly demanded payment for a debt they know is not due. 
Nationstar filed foreclosure relying on a nonnegotiable instrument. 
Nationstar filed foreclosure when it does not have a right to enforce the Mortgage. 
Nationstar breached any and all contractual obligations and is liable to me for damages. 
Nationstar did not acquire legal title to the note and is not a bona fide holder or purchaser for value. 
Nationstar is liable to me for breach of contract. 
Nationstar has committed fraud and is continuing to pursue a claim which it knows is not valid. 
Natoinstar has violated TCPA on multiple occasions. 
Nationstar has violated FDCPA and continues to do so. 
Nationstar has filed false credit reports. 
Nationstar charged for an home inspection that did not occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 have called the Credit Bureau ( TransUnion ) and notified them of Fraud and theft of my identity. An inquiry was placed on my TransUnion ( XXXX ) on XX/XX/2021 that I did not authorized. I notify TranUnion and also Summited vailed documentation to support these claims. I was told nothing could be done about 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 2021-08-17
Company: EQUIFAX, INC.
State: NJ
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:
The 2 late payments on my XXXX account have been removed over a month ago and it's still hasn't been updated. Has been updated on other credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: MI
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:
Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX  XXXX Account XXXX : XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX XXXX Account name : # XXXX, Account name : # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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