BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-07
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I attended XXXX XXXX ( location : XXXX XXXX, XXXX  - owned by XXXX XXXX XXXX ) in XX/XX/XXXX, for exactly 4 months ( XX/XX/XXXX - XX/XX/XXXX ). I moved back to my home state of XXXX and never returned to XXXX XXXX, nor attended any of XXXX 's colleges at any time after that. XXXX XXXX never obtained my consent to apply for any private loans. I was and am, completely unaware of any valid debt owed. 

XXXX XXXX was subsequently shut down in XXXX after being inundated with several class action lawsuits for falsifying/forging/obtaining loans on students ' behalf without their consent. 

I recently ( XX/XX/XXXX ) received a letter from XXXX XXXX XXXX, XXXX of XXXX, XXXX ; stating that I owed XXXX ( XXXX XXXX XXXX, which owned/owns XXXX XXXX ) {$5500.00}. 

XXXX XXXX XXXX has apparently purchased this old, fraudulent debt ( which is exactly 10 years past the California statute of limitations ; California statute of limitations is 4 years from the date of the written contract : XX/XX/XXXX-XX/XX/XXXX ) from XXXX and are attempting to collect on it. They have reported it to the credit bureaus and have, in turn, caused my credit score to drop over 75 points with all three bureas.

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 2020-09-22
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX  is original creditor - *Debt is collection agency AWA Collections - Total Charge for services {$410.00} XX/XX/XXXX - {$180.00} - PAID ( at time of service ) XX/XX/XXXX - {$57.00} - PAID ( Insurance paid ) XX/XX/XXXX - {$190.00} - PAID ( insurance paid ) I sent in a written dispute in XXXX when first placed on my credit. The company reviewed and removed the collection. This was recently placed on my credit AGAIN. I disputed a second time. They refused to review or remove. On XX/XX/XXXX The agent asked me to send in proof and it would be reviewed. After faxing over proof on XX/XX/XXXX I spoke with AWA and they told me the docs were the same and still owe {$220.00}. 

I have also attempted to dispute with credit bureaus. XXXX  removed. XXXX  and XXXX  keep giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 non-monetary relief
Consumer complaint received 2019-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
the following is XXXX, so I am filing tort action claim, against Capital One and XXXX   XXXX  XXXX for holding on to both my XXXX and XXXX savings accounts and freezing my checking account, so every check that bounces and does not clear, will add up the fraud and damages, so right now, it's a small claims case, but will sure to go up to civil limited between 10K and 20K accordingly. 




XXXX Wed XX/XX/2019 XXXX XXXX You XXXX, We noticed unusual activity on your account ending in XXXX. For your protection, were restricting your Capital One Bank account ( s ) until we verify some recent activity. A restricted account may prevent you from withdrawing money or completing pending transactions, though you can still deposit money. 

Please call us at XXXX as soon as possible so we can verify this recent activity. We're available Monday through Friday, XXXX XXXX to XXXX XXXX and Saturday XXXX XXXX to XXXX XXXX 

We used info from a credit-reporting agency that - in whole or in part - influenced our decision. The consumer-reporting agency didn't make our decision. For questions about your credit report or supporting info, contact the agency directly at : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: Centron Services
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Centron services is using a knowingly forged document to attempt to collect a debt that I do not owe. I have recordings of their attorney admitting to fraud and have a police report in XXXX Montana for this fraud committed by Centron Services. Report XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a checking account online on XX/XX/2019 with the requested {$50.00} opening deposit. I linked my checking account to the new Chase checking account and transferred {$1400.00} into Chase on XX/XX/2019. Chase closed my account with no warning and no reason on XX/XX/2019. I called many times and was always told that I would receive documents and a check with my funds in the mail. I went to see a branch on XX/XX/2019 and he said a check was issued and will arrive no later than XX/XX/2019. It is now XX/XX/2019, I have been lied to for over 2 months and Chase still has not released my funds back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: Vital Solutions, Inc.
State: MA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had a leased car from XXXX XXXX XXXX. The lease ended XX/XX/XXXX. In XX/XX/XXXX, I was send a bill for State of Massachusetts excise tax for the full year XXXX. I called XXXX XXXX XXXX and told them I would apply for the 23 days in XXXX that I had possession of the car, but would not pay for the 242 days of auto excise tax that I did not have the car. I called the state of Massachusetts and was told that I was not responsible for the excise tax during a period when I did not have a legal agreement to lease the car from XXXX. I paid all my lease fees, returned the car to a dealer on XX/XX/XXXX and was considered paid in full. I later found out that XXXX XXXX XXXX sent me to collections with company named Vital Recovery Services. I refused to pay them and was reported to the credit bureau as delinquent. This has been affecting my credit rating for over a year. I have spent hours on the phone trying to explain this the XXXX. I need help in getting this resolved and the delinquency removed from my credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I researched further on the XXXX XXXX XXXX that I still pay to on my truck. The credit report shows that XXXX XXXX has a negative mark on mine so that was how I decided to research. I have learned that I still owe them {$4700.00}. 

I decided to call XXXX XXXX XXXX who I first made payments to before it was transferred to XXXX XXXX. The total of the truck worth was actual {$30.00}. However, I paid for over 5 years which is from XXXX, XXXX to XXXX, XXXX which brings to over {$31000.00} but I also recently paid from XXXX, XXXX to XXXX, XXXX so that is total of {$3100.00}. I already paid {$31000.00} AND total of {$3100.00}, so in together on two amounts, I paid over {$34000.00} AND XXXX XXXX XXXX did not report to you ... I paid to XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, which I believe is over {$7600.00} because with XXXX XXXX XXXX was first I paid to ... about {$540.00} per month. {$7600.00} was paid to XXXX XXXX XXXX. It is the total of {$42000.00}. So {$42000.00} was already paid!! And too much!!! My truck should be paid off a long time ago. 

However, XXXX XXXX XXXX said I owe them more, that is the amount of {$4700.00}!! What?! If so, it would be {$47000.00} later on! The real price was {$30.00} when I first bought it! XXXX XXXX has ripped me off big time. I did call XXXX XXXX XXXX to find out why they did not report to 3 credit bureaus since XXXX XXXX XXXX is missing on all. However, the problem falls on XXXX XXXX because agreement was on 6 % or 8 %. It is still too high ... I would pay over {$17000.00} MORE! I ask you to investigate on XXXX XXXX. They know I am XXXX. I believe they took advantage thinking I would not investigate this further. Thanks to Experian that shows XXXX XXXX has a negative mark. 

I complained to you about XXXX XXXX yesterday for the wrong info on late payments in XXXX, and XX/XX/XXXX and it was first. I sent them the letter of going to be late and promised them that I would pay FULL AMOUNT and I did. They did not put me in a good standing. So with that information, I dug further on XXXX XXXX so that was when I realize I have paid too much on my truck already and it should be paid off. Please investigate on XXXX XXXX and penalize 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 2021-06-08
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX - This just proves your lack of proper record keeping. Now, this item is reporting to be 30 days past due ( XX/XX/19 ), yet it is closed and the balance is XXXX. Lets correct this immediately. You are required to verify for yourself but I will go ahead and remind you that this account was paid, otherwise remove immediately. 

SYNCB/AMAZON - This account has been closed and paid, yet you report the current status as Late 30 days! Update or remove account immediately.

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 2022-06-15
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:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - US SM BUS ADMIN ODA XX/XX/2021 - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29
Company: Experian Information Solutions Inc.
State: AZ
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 my credit report it says that i opened 2 credit cards in XX/XX/XXXXand never paid them, also in XX/XX/XXXX that i recieved a home loan and a car loan that i also never paid on. At each time i was XXXX  in the XXXX XXXX XXXX XXXXXXXX, which is a matter of public record, obvious fraud. I've disputed these accounts with XXXX, XXXX XXXX, and several times with experian in order to have them removed completely from my credit report ; not just closed, because its obviously fraud. experian has just flat out refused to do this. im trying to put my life together and have been very successful so far. due to experian 's reporting these fraudulent charges, i have not been able to get approval for credit or a car loan. i dont know what else to do, they even at one tried to charge to have them removed from my record which i understand is racketeering by definition.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX ( XXXX XXXX XXXX ), has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a compliant through the CFPB to Navy Federal credit union back in XX/XX/XXXX.Navy Federal credit union indicated that they are still working on my case. I was a victim of Forgery of 2nd degree violation title 11 section 861 of Delaware code of XXXX and theft of more than 50,000 in violations of title 11 section 841 of the Delaware code of XXXX. The Delaware State Attorney General office convicted XXXX XXXX XXXX defendent of the charges listed above in XX/XX/XXXX. And I am still being held liable for a loan that I never authorized to be established in my name. Case name and number for your references are as follows : State of Delaware Vs XXXX XXXX Id. XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: Experian Information Solutions Inc.
State: AR
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:
THIS IS MY 11TH COMPLAINT AND I DISPUTE 4 RETAIL CREDIT CARD ACCOUNTS ON MY EXPERIAN CREDIT ALL OTHER BUREAUS HAVE DELETED FOR THIS EXACT REASON. 

XXXX NO.XXXX REPORTING AS INSTALLMENT LOAN ACCOUNT, CHANGE ACCOUNT TYPE TO RETAIL CREDIT CARDS. 

XXXX XXXX NO.XXXX REPORTING AS INSTALLMENT LOAN ACCOUNT CHANGE ACCOUNT TYPE TO RETAIL CREDIT TYPE THE XXXX XXXX NO.XXXX REPORTING AS INSTALLMENT LOAN ACCOUNT CHANGE TO RETAIL CREDIT CARD TYPE UPDATE WITHIN OR DELETE OR BE SUED, SEE ATTACHED LAWSUIT. 


XXXX XXXX, NO.XXXX, REPORTING AS INSTALLMENT LOAN MUST BE CORRECTED TO RETAIL CREDIT CARDS

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 2018-03-18
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
i wrote a check from a local bank ( XXXX ) to make a purchase at XXXX XXXX. I have done so in the past and have had no problems. Today XXXX XX/XX/2018, my check was declined. When I asked my bank they said it was the company Certegy that declined it not them. I tried to contact the company with their phone service both ( XXXX ) XXXX and ( XXXX ) XXXX to inquire why. You can not get a person. When I tried to enter my information using the phone it would not take my driver 's license number thus I could not ask for a credit report or inquire as to why they declined it. The only other contact was a PO Box number.  However, I do not trust this method and want to talk to a 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 2018-03-18
Company: Coinbase, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I withdrew {$190.00} from my US Dollar wallet on Coinbase on XX/XX/XXXX at XXXX XXXX. I was told through their online system that it would arrive within 3-5 business days. Today is XX/XX/XXXX and still no deposit into my bank account. I contacted their customer support and was told it is completed on their end. They easily and quickly take money from my bank account and then lie about returning it. I'm not the only one experiencing this issue. I've also created a reddit post where others have complained about the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18
Company: Mountain Land Collections, 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: Information belongs to someone else

Complaint:
XXXX Credit Reporting alerted me to a new Collections account filed from Mountain Land in the amount of {$190.00} with an original date of XX/XX/2017. At that date, I had just turned XXXX years old for 3 days and could not have accumulated this debt. 

I have no records showing an amount of {$190.00} I had no credit accounts at that time. 
I have received no letter from Mountain Land. 

What I believe happened is that my name was mixed up with that of my disabled/debt-owed father. This debt is not mine and impacts my ability to gain credit for student loans and rentals.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-18
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:
On XX/XX/2018 I requested from all three bureaus that the information on my credit report was passed the California statute of limitations on collectable debt. I asked all three bureaus to remove these items if they could not be validated by the Original creditor in writing that I had signed a contract. None of them could provide this but did not remove from my report. They said debt was validated but supplied no proof.

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 2019-09-28
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: Account status incorrect

Complaint:
I got a notification from XXXX XXXX saying my account is closed and the balance is {$0.00}. I called to make sure and spoke with a lady named XXXX. She stated my account is not closed and the balance is {$1000.00}. I also had her state the last payment made to the account because they record the calls and she stated that it was made on XX/XX/2018. This is all confirmed on their website.

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 2020-02-04
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I opened a XXXX XXXX  account in XX/XX/XXXX and accrued {$43.00} of charges. I paid that in late XXXX online via checking acct info that I provided. The account then showed it having been paid. I went in later and it showed the amount still due. I called them in late XXXX and they said that they either tried ( they couldnt say ) to pay the balance via the account number that I gave them or with a debit card ( they are both linked to the same checking acct ). They read off the checking acct number on file and I said that it was correct. They ran it and said it worked. That charge of {$43.00} was then taken from my account on XX/XX/XXXX. A day or so ago I received an e mail from XXXX  stating that my statement was online. There were XXXX and XXXX statements there ; the former again showed the {$43.00} owed and the XXXX unavailable. I had it with all of that mismanagement and called them to cancel my card on XX/XX/XXXX. I was then informed that there was a {$25.00} bounced check charge on that account. I explained everything to them and they said that they could not remove it. They threatened to keep charges accrued forever on that unpaid balance. I went to a supervisor and she told me the same thing. They did not say that I was at fault, nor did they admit their wrongdoing, they simply said that the charge would remain. 

So I have been wronged and threatened and hope that you can help me. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-08
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a letter from Midland Credit Management saying i owe an alleged debt of XXXX {$850.00} XXXX. I have not done any business with this company nor did I have a contract with this company they are in clear violation of my consumer rights under the FDCPA 15 1692b ( 2 ) stating that I owe an allege debt and 15 usc 1692b ( 5 ) .Midland Credit Management violated my federally protected rights governed under 15 usc 1692c, I have not given them written consent to communicate with any third party reporting agencies ( XXXX  , XXXX  and XXXX  ). Midland Credit Management violated my federally protected rights governed under 15 USC 1692d. ( 2 ) which states A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

Company response to consumer: Closed with explanation