BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-02
Company: Real Time Group, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Sir or Madam, my issue concerns a collection which is fraudulent and which despite being disputed by myself with collection agency operators and through communication with the credit bureaus and with the original company, persists to this day. 

The account was with XXXX which is owned by XXXX XXXX. I was issued a store card in XXXX The amount eventually was approx XXXX dollars. I used the card 2 times to purchase sundries and then approx XXXX worth of lamps which did not work after a week and which I took back for a credit. 

At first XXXX billed me for a late payment when I called they reversed this stating that it was their error. When I began to get bills for the credited items I got upset and called XXXX  again and had the matter cleared up again and then asked the agent to close the card as it was giving me more problems than having it was worth. The reluctant agent eventually told me the card was closed ( with no balance ) and that all was well. 

Approx. 6 months later I began to get collection letters for the XXXX  which I disputed, explaining the card was closed. Nothing was due on it and that XXXX/XXXX XXXX should be contacted. 

Today, Real time Resolutions sent me a letter stating that the balance owed is XXXX For what? Apparently for the entire balance of the card which I did not use, and some fees which they feel they have the right to tack on. I am writing this agency in the hopes that it will provide the oversight which is sorely needed by this so called company to erase this fraudulent debt once and for all. 
Their debt is false, the card was closed with a full balance on it and once that happens nothing can be purchased on it ever again. I will include the account number and all other pertinent information here as this is getting to the point where if I need to hire an attorney I will. 


Real Time Resolutions RTR File Number : XXXX Account Ending In : XXXX Balance : XXXX  Original Creditor XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: BMW Financial Services NA, LLC
State: GA
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:
There is an account that is currently reporting diffrently to each beuroe. i have disputed this account numerous times with each beroe. they st6ate that the data furnisher has varified the account they also have not provide me with verification of dept. This account is reporting illgally and should be removed at once from my cunsumer profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
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:
THIRD ATTEMPT Section 605B of the FCRA, it states that, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days. 

Im attaching my letter for dispute and police report. Transunion must honor this request within 4 days! It is completely ridiculous at the number of attempts I have made to have these items removed. Transunion will be sued if I can not get this matter resolved in the number of days per the FCRA.

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 2020-05-22
Company: EQUIFAX, 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 saw an account from XXXX appearing on my credit report today XX/XX/20 ; The only reason I was checking my report is because I am going to trade in my car in the next month or so. That account does not belong to me and I didn't allow anyone to open it using my personal/confidential information. I don't know who is responsible for this but I have already filed a police report. I did not benefit anything form this account being open in my name nor did I ever make any payments towards this account. I am not affiliated to that company in any way and I never gave them permission to access my credit information. I have filed a complaint with the Consumer Financial Protection Bureau regarding this unauthorized account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: Santander Consumer USA Holdings Inc.
State: ID
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
The company is Santander consumer. I was not able to make payments with the title loan back in XX/XX/XXXX. I tried to make arrangement to get back on track. The only option was to pay over {$2000.00} in ten days or give them the van. I gave them the van. A man came and picked up the car. They did not have to tow just drive away with a full tank of gas. I was told they would sale the van in a month  and get a statement if anything else was owed. I did not hear a thing for years. In XX/XX/XXXX they called my husband. Not me who was the only one on the loan. At first he kept telling them he didn't do this loan. After time we figured out who they were. We asked for a full report for we did not get one three years ago. This loan is not on his credit report. When we finally got the paper work it was confusing. By the time they sold the car the principal balance was {$1.00}. But a misc. Fees of {$330.00}. When asked what those fees were, anyone we talked to in the company refused to tell us what the misc fees are. We told them that if they can't explain the fees then why would we pay them for nothing and we could pay them the {$1.00}. They said no you have to pay the fees. When asked them how we can get this solved they just said pay and now they are charging more. On my credit report it now says I owe {$780.00}. This company waited for over 3 years to tell me I owe them for fees that wont or cant explain and now they just call and call and still refuse to work with us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-18
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
PayPal Credit, which I believe is part of Synchrony Bank, signed me up for a credit card without my knowledge or consent. Last month they sent me a bill for a monthly fee, which was when I first learned this account existed. I asked them to close the account as I did not approve it being opened. 

Today I got another bill from them and they have not closed the account nor responded to my request. I contacted them again telling them to do so and indicating that I would be putting forward a complaint against them. 

Thank you for your assistance.

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 2018-09-19
Company: Penn Credit Corporation
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company has been calling my cell phone consistently since the end of XXXX. Sometimes there are four phone calls in one day. Because of the amount of calls received and no messages ever left I called the number back on XX/XX/XXXX. At that time the person said they were trying to collect a debt and sending written notices to an address I haven't lived at in over five years. I told the person the debt was not mine. I also had informed them that I had filed bankruptcy in XX/XX/XXXX and any debtors I was aware of at that time were included in my bankruptcy. I told them they were to immediately stop contacting me, there should not be anything placed on my credit report since the debt is over two THOUSAND days old and again reiterated that the debt is not mine. The male agent threatened me with legal action and at that point I hung up. The calls have continued at an increasing rate since then and they are becoming annoying and harassing. 

PLEASE NOTE THAT THE ADDRESS I'VE PROVIDED IS NOT THE SAME ADDRESS THIS COMPANY HAS ON FILE FOR ME. THEY HAVE AN ADDRESS FROM 2013 AND I DONT WANT THEM HAVING MY CURRENT ADDRESS. ALSO, SINCE THEY CLAIM THIS IS A XXXX   XXXX DEBT THEY SHOULD NOT HAVE MY SOCIAL SECURITY NUMBER WHICH IS WHY I'VE NOT PROVIDED IT. THEY WERE ABLE TO PULL MY INFORMATION UP WITH JUST MY PHONE NUMBER WHEN I CONTACTED THEM SO A PHONE NUMBER SHOULD BE ENOUGH INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Hello, I was in the process of obtaining credit a few months ago and was made aware of several inaccuracies on my credit report. I reached out to TransUnion via direct mail several times to verify the information reported. After several attempts, they have not provided any proof or documentation verifying the information they are reporting. All three bureaus have different information in regards to many accounts with different payments made on different dates, with different account numbers and on-time/late payments for what is supposed to be the same account. TransUnion has not been able to verify any of the information reported, they are now simply saying that they have completed investigation but I haven't received anything in regards to the concerns addressed.

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 2022-10-17
Company: Experian Information Solutions 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:
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 XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX Balance : {$0.00} XXXX, IL XXXX XX/XX/2022

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 2020-07-07
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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2021-02-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up online for a credit monitoring service called XXXX, which at the time I did not know was Capital One. My credit score at the time, just a few months ago was XXXX. Capital One sent me an offer for a Capital One Quicksilver Card. The offer was the card, 1.5 % cash back on all purchases and if you spend {$500.00} in the first 90 days they would give you a {$150.00} credit. I thought this would be a great way to sav {$150.00} on my car insurance since I pay every 6 months, it reached {$500.00}, no problem. I charged a few things. Then paid it off. I currently have a high balance unrelated to this, I had medical issues and am still not allowed to work due to Covid-19 restrictions. In XXXX. I noticed that I had never received this credit. I called and was told someone in the rewards program would contact me. I received an email on XXXX XXXX, 2020 telling me they could not get into contact with me and to call a number to speak to them. Unfortunately, three days later, my father died of XXXX. My mother died when I was a child and my father was my only parent so, I have been very upset and did not call Capital One although I paid the bills and actually started a checking account with them. The checking account had a similar offer but it is not the focus of this complaint. Also, I am severing all business dealings with them, as they are utterly deceptive I have no reason to believe they will honor their business agreements. Anyway, I finally called them today and at first they told me they had no record of that promotion. While they were on the phone I found a website that listed all of their promotions for a few years and that one was on it. After being transferred around for over an hour they had a representative named XXXX, come back on the line to tell me that I did not qualify for the promotion and he was sorry. He also said the rewards department did not say why I did not qualify but they had the right to change the terms at will. That was the end of the phone call, he said there was no one else I could speak to but gave me the post office box number for their complaint department. A post office box, when they own buildings. This is a clear bait and switch and I've never had a worse experience with a financial institution. They are clearly set up to this to people.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: Perfection Collection
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2016, signed up for XXXX XXXX XXXX XXXX. The sales manager at that time was XXXX XXXX. he told me and a few others in the neighborhood there was no credit check and no cancelation fee. That turned out absolutely wrong. I later found out that it was indeed a credit check in which i didnt authorize and there was termination. I called in and was given a email address to email the legal dept for XXXX but i never got a response from them. Since then XXXX, the new sales manager XXXX XXXX in the area has been coming around to do what he calls " damage control '' he told me XXXX XXXX is no longer apart of the ompany because he gave false information and there is a lawsuit against him. I would like this removed and more information on the lawsuit.

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 2023-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
IN THE YEAR OF XX/XX/XXXX I PURCHASED A HOME THROUGH THE Veterans administration.By time of the loss of my job i was under a financial crisis and paid XXXX towards my debt.After research called for the XXXX XXXX to find out why my filing had a different origination date.It was then confirmed that my information was not put into the Veterans XXXX XXXX base until XX/XX/XXXX XXXX i have had the XXXX different to try and Foreclose on my loan. My loan was sold and assign to XXXX XXXX XXXX XXXX XXXX XXXX XXXX by the date of XX/XX/XXXX the equity in my home of XXXX had been stripped. we are challenging the fact that the Promissory Note and the Security DEED has BEEN Bifurcated because there is no clean title whereas XXXX  was not the entity who administrated the task. I filed a complaint with CFPB and it took the bank over 30 days to reply. I then received a response by a resolution XXXX by the name of XXXX XXXX from the cfpb case # XXXX which stated that their legal counsel to respond directly to my legal counsel XXXX XXXX spoke to my counsel and the next notice that was sent was an accelerated foreclosure notice for XX/XX/XXXX. In our Mortgage Audit it was declared by the Expert Witness XXXX XXXX  that fraudulent activity is prevalent and the supposed owner has to carry the burden of proof that the promissory note and the security deed are still together and available to XXXX XXXX XXXX and XXXX XXXX XXXX as XXXX XXXX IS DEFINED AS REAL PROPERTY NOW AND WE DECLARE TO BE THE OWNERS OF A CLEAR AND FREE TITLE IN XXXX WE TRUST ROMANS XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are numerous accounts listed on my credit report that I have no knowledge of. This was a result of malpractice or an error.

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 2021-02-01
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello! I am a victim of Identity theft. I can not move on with my life until this account is removed from my report. I filled out an FTC report with all of my supporting documents and have uploaded it below.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: Midwest Recovery Systems
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
When picking up the phone, an automated voice comes on " this is XXXX XXXX with Midwest recovery systems, please hold for the next available representative. '' Most of the time, the phone rings several times and then goes to an answering machine. When a representative does answer, they immediately ask for my name and then say there is a claim against me. They say I owe $ 700+ and I must pay by end of day or they're submitting a warrant and sending the local police to my location ( they gave an address I had out of state 5 years ago ). When I asked them to send me information regarding the debt they said - we did. I said I never received it and I have no knowledge of it, the lady 's response was - That's what they all say, pay today or you're going to jail. I told her I need to speak with my lawyer and she hung up on me. 

Upon call backs to this company, no one will state the name of the company. They immediately ask my name and won't give any other information. When making repeated call backs to attempt to get another representative, it is the same person EVERY time. 

The number they call from is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My Information Was Used To Obtain A Credit Card From XXXX XXXX Bank without my Authorization. I've never had any account with this company!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: EQUIFAX, INC.
State: MI
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 XXXX, XXXX, and Equifax dispute letters certified mail, they received the letters on XX/XX/2020. I have not received any response or no form of communication with any of the bureaus at all. I have not had the disputes resolved and I was told that the bureaus never received the letters until a manager told me they received them on XX/XX/2020 which I have receipt when the bureaus received the disputes letters. I would like my account updated and the disputed accounts removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
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: Information belongs to someone else

Complaint:
My Personal Information Was Used To Try And Obtain Auto Loans & Credit Card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-23
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I opened an account with CoinBase in XXXX of XXXX. I then funded this account with more than {$100000.00} in XXXX of XXXX. On XX/XX/XXXX, I asked CoinBase to lock my account as I had been phished. On about XX/XX/XXXX I asked CoinBase to help me unlock my account so that I could access my funds. 

As of XX/XX/XXXX I have submitted approximately 10 support tickets and submitted approximately 30 e-mails under these support tickets requesting that CoinBase help me get back into my account or to liquidate my account and return the money to my bank account that they have on file. 

To date I have not received any meaningful response from anyone at CoinBase. In addition to this I sent 3 registered letters to the CoinBase CEO, COO and CLO asking them to help me to get back into my account or to liquidate my account and return it to my bank account that is on file. I have got NO response from anyone.

Company response to consumer: Closed with monetary relief