BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-02
Company: Cooling & Winter LLC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Cooling and Winter LLC have misrepresented themselves as XXXX XXXX XXXX and filed a lawsuit against me. The court date is XX/XX/2018. The amount charged off is XXXX. The case number is XXXX In the lawsuit Cooling and Winter LLC have listed themselves in the plaintiff section as " XXXX XXXX XXXX '' making it seem like XXXX XXXX XXXX is the one bringing the lawsuit against the defendant. Cooling and Winter is a 3rd party debt collector and should not mislead anyone to believe that they are acting on behalf of XXXX XXXX XXXX. In addition when meeting for the first hearing date on XX/XX/18 the attorney for Cooling and Winter XXXX XXXX identified himself as " I'm XXXX with XXXX XXXX XXXX ''. 

This company is not following the FDCPA and is acting illegally and must follow all collection guidelines and laws. They should be stopped as they are trying to deceive consumers and misleading them.

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: NCB Management Services 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:
In submitted a written request for debt validation, on XX/XX/XXXX, to NCB Management Services. This letter was sent certified mail and was delivered and signed for, on XX/XX/XXXX. Under Texas Finance Code Section 392.202, NCB was to provide information that this debt was owed by me, how they calculated the amount owed, and that they were licensed to collect debt, in the state of Texas. According to that statute, if the debt was not validated within 30 days, NCB must cease all collection efforts and send notices to me and all credit reporting agencies that this account should be removed. I waited almost 45 days, without one word of response from the collection agency. On XX/XX/XXXX, I sent another certified letter, which was delivered, as of XX/XX/XXXX. Yesterday, I received a letter from NCB Management Services that I did not provide sufficient information, for their investigation. If memory serves me correctly, I requested for them to validate the debt that they claim is mine. I was asking them for information, which they did not provide. I sent copies of the original letter and the certified receipt, which they did not speak to or address. How can they get away with not doing their jobs? This place is putting stuff on my report that they ca n't even prove is mine. It 's not fair. I 'm trying to follow the proper channels, but this is frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
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:
An incorrect negative statement was filed by USAA Credit Card. I protested to them and filed a complaint with XXXX  and my credit score ( FICO ) dropped from XXXX to XXXX and continues to drop. They have made promises that it will return but nothing has changed.Please help, I have always had an impeccable credit scores with NEVER a negative filing for over 50 years!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: Ability Recovery Services, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have insurance and so does my wife. The point I am making is out of no where an account from Ability Recovery Service, appeared on my credit. I reached out to them immediately because the debt does not belong to me and I never received a collection notice from them. I have yet to hear back from the- but they communicated to the bureaus and verified the account belong to me. 

I have enclosed a copy of the insert from my credit that report the account. I was in the middle of financing when this account popped up on my credit and I have never received any communication from them what so ever. 

As you can see it says the account was Opened on XX/XX/2020 and it was First Reported on XX/XX/2020- MY POINT IS WE ARE IN XXXX ... XXXX WHEN DID THEY SEND ME A NOTICE OF DISPUTE??? 
IT APPEARS AS SOON AS THE RECEIVED THE DEBT IN XXXX THE PUT IT ON MY CREDIT IN XXXX!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I had opened a retail credit card to pay for an engagement ring on XXXX XXXX  XXXX. I doing so, I put money down and was under the impression that there was no interest within the first 12 months, as long as I paid it off. They stayed true with that. What I thought was sly and misleading was the fact that after those 12 months, they didn't charge the regular interest rate on the remaining balance. No, instead, they charged the regular interest rate on what the FULL AMOUNT the ring cost me. I was {$1000.00} shy come the day of the interest charge ( XX/XX/XXXX ). I got married 2 days after that charge ( XX/XX/XXXX ). I didn't notice the charge until I got home on XX/XX/XXXX, which is when I was going to make the final payment, or so I thought. I expected some interest, because I saw the notification that interest would be charged, but I did not realize it would be based off full amount of the item. If I had known that, I would have scraped every dollar possible to avoid that from happening ( on top of wedding payments ). With that said, I paid {$1000.00}, and called to speak with Wells Fargo. After talking to FOUR different people, hung up on ... TWICE, and on hold for a total of 45-60 minutes, I finally was able to speak to the correct person about the issue. I explained the situation and told him I didn't expect to take away all the interest, just not the amount that would have been charged to the remaining {$1000.00}. All he could say is " I can't do that ''. He was no help. So I tweeted about it. They responded and asked me to DM, I explained it to them. They gave me a Case #. This was 2 weeks ago. They told me the person that was handling the case would reach out to me. They also said the case would be resolved come XX/XX/XXXX. I have not heard ANYTHING from them about the case or anyone, for that matter, from Wells Fargo since that call on two weeks ago. Considering I am likely going to get charged interest again soon on the {$1400.00} that they charged me, I need this resolved ASAP.

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: CURO Intermediate Holdings
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a payday loan from XXXX XXXX in XXXX Ca. on XXXX XXXX in the amount of {$5000.00} based on my bank account activity which I was OK with but, I was under duress and was not properly informed of what I was signing. I was told that my payment would be a total of {$260.00} monthly and to my shock and surprise it was two monthly payments of {$260.00} with a grand total of {$520.00} a month! which I think and know this is robbery and I rather not pay this loan any longer because if I do I will become homeless!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. Willful noncompliance regarding SYNCB/PAYPALXXXX with account number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: Southern Auto Finance Co
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: Credit inquiries on your report that you don't recognize

Complaint:
There are many Hard Inquiries in my credit report that I am not familiar with

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been having issues with bogus and fraudulent addresses appearing on my credit file that I do not recognize. My full name is XXXX  XXXX. XXXX please remove any other variation of my name. My DOB is XXXX-XXXX-XXXX SS XXXX-XXXX-XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX.XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, MI XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 2020-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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/2020 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. I understand the Covid-19 going and its tough right now. section 611 ( a ) its is plainly stated that a failure to investigate these items within 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. my information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-03-27
Company: Winklevoss Exchange LLC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I wanted to trade my BTC on XXXX, so I have opened an account on XX/XX/XXXX and it is still not verified. I have read online that is a common problem and many users wait for verification for up to several months. I am not sure if the company is working on it. It is a very inconvenient situation for me. Hope it will be fixed soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: EQUIFAX, INC.
State: NC
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:
I have reviewed a copy of my credit report and I show company XXXX XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 sent in an Identity Theft report to the Credit Bureau, regarding Fraudulent accounts that are reporting on my Credit file due to identity theft. This has been going on for too long! The credit bureau refuses to remove these accounts. I have requested on several attempts for them to please sent me their METHOD of how this investigation is coming back as verified? I have not received any documentation, signatures nor ID on file. I have sent in several disputes by mail and online with the attached Identity theft reports and they refuse to further investigation and remove the accounts. I did not open these accounts and they refuse to remove these. from my understanding by law once I have turned in this Police/ Identity theft report, they are automatically supposed to remove those Fraudulent accounts. I am demanding that you CFPB, have the credit bureau remove & Block these accounts from my credit file. I will seek Legal action under the FCRA act will be taken in place and I will have my legal counsel to begin the process of suing.

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 2021-04-29
Company: ID Analytics, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I don't know how to go about getting this corrected so I was told to file a complaint if things on my credit were incorrect. My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX OH XXXX. My DOB XXXX XXXX SS # XXXX. 
I found an incorrect spelling of my name ( XXXX XXXX ) not name please delete it. I was looking further into my file I found addresses that I never lived at. Please delete the following unknown addresses : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: FCI Lender Services Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX a Substitution of Trustee was filed with the recorders office by California TD Specialists on behalf of XXXX XXXX  because of a revolving line of credit that was taken out with XXXX XXXX XXXX ( Which was siezed by the FDIC ). We included this revolving line of credit on our personal BK ( Chapter XXXX ) in XX/XX/XXXX.
We also included the home in the BK and also included that the home was backwards at the time of the BK. We just recently found out that the Judge requested our Attorney to submit more document proof in regards to the value of said house. ( Which he did not ) In XX/XX/XXXX The note for the revolving line of credit was sold to XXXX XXXX  and we explained to them what had happened and they wrote off the debt and we did not hear from anyone for over 7 years.
Then the note was sold to XXXX XXXX, we spoke with them telling them the same story, and sent reporting documents as such. They said they would get back to us. Then we started to receive invites from foreclosure help vendors. We then called XXXX XXXX and they will not return our calls.
We then received notification from their Attorneys, I called them they said they could not speak to us, that we needed to call XXXX XXXX, I explained to them that they are not answering us, they had no further direction offered.
We have contacted Senator XXXX 's Office and are seeking counsel but we are trying all areas to save our house we have liven in for over 20 years.

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 2020-05-18
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX   XXXX  XXXX {$250.00} XXXX XXXX  XXXX  XXXX {$290.00} XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
ALL i did was have a change of address and without warning or ANY type of communication from usbank, they decide to freeze my account, block my card and lock all access for me to get any money. They asked for address verification and i gave it to them, followed up, they confirmed they had everything they needed and that they would be sending out a new card for me to activate. they did but STILL locked out of my account and havent been able to access my money. Ive called and called and called and they just keep putting me through to hold for a supervisor or a certain department. MANY times ive been on hold for 3 hours just to get hung up or they tell me to send in the information AGAIN and I have at least 6-7 times already. i dont know what else to do. This has been going on now for almost 3 months

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 2020-11-19
Company: U.S. BANCORP
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I refinanced my vehicle with another bank and sent the payoff check to US bank who holds my lease. US bank said they needed paperwork and I faxed it in to them, I kept calling in to see if they received it and they kept saying they never received anything, I called to ask if I needed to make a car payment since my refinance was being processed the rep told me I dont have to make a payment ( on a recorded line ). US bank ended up saying I was late on my payment and it affected my credit score. Ive never been late on a payment since XXXX and always paid more than I had to. I called in to dispute the credit reporting and they said they found no evidence of wrong doing on their part even though a rep told me I didnt need to make a payment on a recorded line, very unfair and deceptive practices. I kept calling in the see if my refinance went through and got no help. I spoke to a rep XX/XX/XXXX and they told me they received my paperwork on XX/XX/XXXX and didnt know why it wasnt being processed. I found out today XX/XX/XXXX that the refinance was finally being processed ( after months XXXX. I have been calling since XXXX to get this issue resolved. I dont think me or my credit should suffer because of this. I know if you investigate this matter and listen to all the phone calls with US bank and I, you will find Ive done nothing wrong and have been completely respectful. These unfair and deceptive practices have hurt me in the worst way. I have been a loyal customer to US bank and I dont understand any of this treatment.

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 2020-05-18
Company: COAST PROFESSIONAL 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 status incorrect

Complaint:
One of my 4 Parent loans went into collections without my knowledge. I thought that they were all on deferral. 

I've been trying to work with Coast Professional , Inc to get a  reasonable payment plan. 

The only response I ever got was that they were unable to locate my account. 

Although they have failed to cooperate in any way, I continued making payments of whatever I could afford. 

I recently sent them a letter asking to negotiate the amount down to {$2500.00}. They accepted the {$2500.00} as payment in full. Now, even though they cashed the check with PAID IN FULL written all over the front AND back, they state that they will continue collections activities. 

This NEGATIVE item remians on my credit reports SEVERAL TIMES. Each one with a different status. Collection, Charge off, Transferred, closed. They are all the same loan.

Other than this one item on my credit report, I have NEVER had a late payment and they have ruined my credit.

I have continuously requested removal from all three agencies. It comes off and a month or two later, it's right back on.

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 2018-10-02
Company: Ability Recovery Services, LLC
State: IN
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:
They keep putting a debt on my credit report for a college i never attended because i never even graduated high school yet somehow i owe them {$1200.00}? To add insult to injury i was told the original debt is over 7 years old. I have disputed it several times with the credit bureaus but have gotten nowhere.

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 2021-03-27
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The attached disputes indicating several incorrect addresses are appearing on my Equifax report have been sent to Equifax via U.S. mail. Both times, I was never notified of any investigation results from Equifax. It would appear in both instances that Equifax has REFUSED to rectify the incorrectly reported information.

Company response to consumer: Closed with explanation