BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-07
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
rcvd a collection notice which I will download. XX/XX/XXXX. This involved Auto Insurance and my personal Health Insurance. On XX/XX/XXXX I received an invoice from the same provider, stating that I had a balance of {$23.00}, which I paid. That was it. This started in XXXX. I received this collection and contacted the CREDITOR, 5 times, spoke to XXXX XXXX, they made no demand nor they gave me any information regarding an owed debit. Received an email stating that she was looking into the matter but never called me back. This has been way over a month. On the other hand, I also sent 3 emails to the collection Agency requesting more information and explaining everything and also requested that they inform me. Never heard from them. 

Please inform How much longer do we have to deal with companies like this? How much longer are these people going to do whatever they want and nothing happens! One way or the other this has to stop. 

I certainly hope that Honesty and Integrity play a roll. It will get nasty.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: EQUIFAX, INC.
State: NV
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:
Please reverse the late payments reported on the following accounts : XXXX  XXXX and XXXX XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: EQUIFAX, INC.
State: TN
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 have called Equifax Several Times about a Hard Inquiry on my credit Report, the Company XXXX XXXX XXXX have called Equifax several times to remove this Hard inquiry XXXX XXXX XXXX XX/XX/2019, Equifax Still after 3 months still Refuse to remove this hard inquiry after the company told Equifax to remove this Hard inquiry asap/immediately as of today its still on my credit report this is wrong and illegal the company told them to remove the hard inquiry why haven't Equifax removed it yet I don't understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: EQUIFAX, 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:
Equifax confirmation number # XXXX I requested a investigation into 2 items on my credit report. 
They are the following items XXXX XXXX XXXX XXXX XXXX Equifax dispute results were these two items no longer reporting them on my credit file.

This is false or they reinserted them without notifying me because I just pulled my credit report as of today and they are still reporting them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Georgia XXXX Social : XXXX DOB : XXXX To whom it may concern, Please remove the fraud alert that you have on my credit file, this fraud alert should not be a part of my credit file. Please send me an updated copy of my credit file to the address listed above, thank you in advance. 

Sincerely, 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 2021-05-24
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have an old closed XXXX credit card that I am having trouble getting removed from my credit report. I sent the company a letter asking for removal and also filed a dispute with Experian dated XX/XX/XXXX about this issue. Instead of the dispute resolving it they updated my account as " no data '' for the past XXXX XXXX XXXX XXXXXXXX years and restarted the charge off clock on this debt. I have accepted the debt and paid it back in XXXX as shown in the screenshots of payment months for this account. I don't understand why it's being restarted and why its still on my account to begin with as the account is paid and over 11 years old.

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 2019-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Public record information inaccurate

Complaint:
I was a victim of Fraud, I expressed this to Capital One Bank. No investigation was conducted and my account was sent to XXXX XXXX for {$120.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: Army and Air Force Exchange Service
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have a debt with " the XXXX card '' now per my understanding Your Rewards credit card has a dual function that allows you to access two credit card accounts with separate lines of credit a XXXX account issued by XXXX XXXX XXXX, XXXX. and a XXXX XXXX Private Label Account issued by the Exchange Credit Program. 

REF : XXXX XXXX XXXXXXXX Debt is from XXXX I was in the XXXX from XXXX. I was in the belief that I paid off the card in full before departing to XXXX in approx XXXX. I never received any statements from XXXX while I was in the service that there was remaining debt. 

Had there been remaining debt it would have been garnished from my XXXX XXXX pay immediately. 

From XXXX to XXXX I received no notices that I had a debt. 

In XXXX I received a notice from a 3rd party debt collector stating that I owed over XXXX. For which about XXXX is actual debt and the rest is interest. 

Debt collectors pay only a fraction of the charged off debt. 
Debt collectors to the best of my knowledge can not continue to charge interest on a debt. 
This debt is over 11 years old. 

When I contacted them they THREATENED : they will put a lien on my social security number. 
sue me for the 11-year-old debt that the debt will continue to gain interest They will garnish my wages ( they have done this ) They also stated that even though they are a 3rd party debt collections agency they are not bound by the statute of limitations. 

The Law that they are talking about ( I would guess ) that gives the government the right to collect a federal debt without a statute of limitations is PUBLIC LAW XXXX. Which is only applicable in the following categories. 

anyone OVERPAID by a federal agency Federal Student Loans Child Support Income Taxes This debt does not fall into any of these categories. 

However ; even it did per SEC. 14219 ( 2 ) ( B ) APPLICATION OF AMENDMENT.The amendment made by subsection ( a ) shall apply to any debt outstanding on or after the date of the enactment of this Act. ( XX/XX/XXXX ) Said debt does not fall into one of the categories and is from XXXX. Thus making the statute of limitation applicable in this case. 

This debt by their own admission is no longer with AAFEES but is a third party debt collector. See attached screenshot.

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 2020-07-18
Company: Experian Information Solutions 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 have been a victim of identity theft

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 2018-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Public record information inaccurate

Complaint:
I took a look at my credit and notice there is a bankruptcy reporting to my credit that is not mine. I have never filed for bankruptcy and ask that you have this incorrect information removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: Resurgent Capital Services L.P.
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: Account status incorrect

Complaint:
I am presently in Debt Relief and have contracted XXXX XXXX XXXX to assist me in settling my debt. They are doing a good job and are not the problem. On XX/XX/2018, they settled my account with XXXX XXXX XXXX. On XX/XX/ 2018 they settled with XXXX XXXX XXXX XXXX XXXX. At some point after they settled the accounts were sold to LVNV Funding LLC. LVNV assumed the settlement agreement and they are accepting payments as agreed upon in the settlement agreements. For some inexplicable reason however LVNV Funding is reporting these accounts as in collection, which they are clearly NOT. They are also reporting the collections for the entire amount that was owed prior to settlement. I have no idea why they are doing this. Title 16, Part 660 Duties of Furnishers of Information to Consumer Reporting Agencies, Appendix A ( I ) ( b ) ( 1 ) states that information furnished regarding relationships with a consumer must be accurate, reflect the consumers terms of and liability of or other relationships and reflect those accounts accurately and reflect the consumers performance with respect to the account. The furnisher must reflect the integrity of the account, which includes but is not limited to update the current status of the consumers account and any attempt of the consumer to cure the account. They are clearly violating the Fair Credit Reporting Act by not reflecting my information correctly. This inaccurate reporting not only puts my credit file further in jeopardy but is double jeopardy because the original credit reporting it negative as well. This is unfair and stymies my ability to rebuild my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: WELLS FARGO & COMPANY
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
{$180.00} dollars was stolen from my account when I agreed to pay said amount for concert tickets to a man online. When I payed this money, the man subsequently blocked my number, closed his XXXX account and I am now unable to reach him. I called my bank and tried to file a claim, but Wells Fargo denies to cover this, despite being a massive bank and being insured. The app is vulnerable to be used by fraudsters, and should be closed down, or accounts should be more closely tied to customer 's identities. The fact that XXXX openly acknowledges the absurd amount of fraud that happens on their application, but refuses to do anything just shows how they are violating the trust of the consumer.

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 2020-12-08
Company: Dynamic Recovery Solutions, LLC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Around XX/XX/XXXX I received a letter from Dynamic Recovery Solutions dated XX/XX/XXXX. The letter states there client XXXX XXXX XXXX has purchased my debt from XXXX XX/XX/XXXXand they are attempting to collect it for them. The debt amount is for {$1000.00}. On XX/XX/XXXX I responded with a letter requesting more information about this debt including receipts that where already paid towards the debt. The tracking shows this was received by Dynamic Recovery on XX/XX/XXXX. USPS # XXXX. On letter dated XX/XX/XXXX Dynamic Recovery responded with a XXXX  document showing amount owed and no proof of any previous payments. On XX/XX/XXXX I responded to Dynamic recovery with a copy of the receipt to XXXX XX/XX/XXXX showing account was paid in full on XX/XX/XXXX. I requested Dynamic recovery to notify all parties that this debt is paid in full and requested to end all communication with myself. USPS # XXXX. On letter dated XX/XX/XXXX, Dynamic Recovery sent another letter. This letter was similar to the original letter. Dynamic Recovery never acknowledges receiving the copy of the receipt showing paid in full. Dynamic Recovery is again currently trying to say if I don't acknowledge this debt within 30 days of the date then they assume its valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12
Company: Seattle Service Bureau, Inc
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2023 National Service Bureau called and left a voicemail on a relatives phone going into detail about a debt they were attempting to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: Security Credit Services, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/2019 I receive a letter from Security Credit services alleging that I owe them a debt for {$7000.00}. I quickly responded on XX/XX/2019 with a dispute letter saying please provided proof that I owe ( SCS ) any amount please show agreement that I owe. ( SCS ) receive my letter on XX/XX/2019 I have enclose my dispute letters in the attachment below They have failed to validate debt that allege that I owe and show proof that they can collect in my state and show proof that I owe this debit. I sent out another dispute letter on XX/XX/2019 stating you must show proof of debit I owe and validate proof, they have failed to show proof and fail to respond to my letter. I have enclose tracking # in my dispute letter and dates that they have receive my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I need to remove the Fraud alert and credit freeze off my credit report ASAP!! I have called XXXX   and it still was not done. I need the updates below done. I dont have a phone number on my credit report either. 

New Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Job : XXXX XXXX Phone Number : XXXX Please remove the the Alerts 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 non-monetary relief
Consumer complaint received 2019-02-22
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was told by Wells Fargo Representatives on XX/XX/XXXX that I signed up for Overdraft Services during XX/XX/XXXX, but the company cant tell me when exactly I signed up and I don't recall I gave authorization for this service. 

Removed overdraft 'services ' from account 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 non-monetary relief
Consumer complaint received 2019-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I have been checking my credit and I found a public record, some inquiries, and address that do not belong to me, I have been advise to file this complaint to clear this matter, and to separate my seft from this inaccurate report on my credit, and FTC complaint is attach to this request for blocking this fraudulent information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: Coinbase, Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
i have an acct w/coinbase.com - the garbage about that isnt that i forgit my emaik address but i forgot the password i used on gmail and the verification? s so XXXX wouldnt givr me a temp password and lets say you forget the pass ok ya coinbade acct the only way they will let you bacj on ya acct is by sending that emaik addy a temp password. even though i will enclose the name address and ssn on that account.., :i have emailed them one time every week for the past month anf theyve just ignored me. 
i will attach solid proof of my old acct. 
can you help me get on my acct w/my funds?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Experian Information Solutions Inc.
State: NV
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 3rd complaint dealing with these credit bureaus and them not fixing the incorrect info and accounts on my report that are from identity theft and fraudulent. My whole identity has been stolen to the point that someone has been living as if they were me even filing bankruptcy in my name to start over and keep getting more fraudulent accounts in my name. I have gotten some of the stuff removed but there is still two accounts and the bankruptcy that remain. I filed a police report and identity theft report as well as sent the bureaus everything they have asked of me to verify it is me requesting this and still NOTHING. They even erased a credit card account that WAS actually mine but not the fraudulent accounts.

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 2020-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XX/XX/2020 To whom Can Help Me, On XX/XX/XXXX of 2020, I send certified letters to all three credit bureaus updating my personal information and asking that all incorrect information be removed from my credit reports. I have not hear from neither of the credit bureaus by mail to confirm my updated information. I have been checking my report and attempting to contact them to have my information updated.

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 2020-03-03
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have an impound account with Loancare and the Loancare has not paid our property taxes that were due back on XX/XX/XXXX. There is money available to make the payment in our impound account. 

1 ) XX/XX/XXXX we received the notification from XXXX County of the non payment of the property tax. 
2 ) XX/XX/XXXX Loancare was contacted and provided us with an email account to send the property tax bill, the email would not go through and another email address was provided and the email was received. Was informed by Loancare to check back on XX/XX/XXXX. 
3 ) XX/XX/XXXX Loancare was contacted and the payment still had not been paid. 
4 ) XX/XX/XXXX Loancare was contacted and informed us that the property taxes would be paid on XX/XX/XXXX and to check back with them. 
5 ) XX/XX/XXXX. Spoke again to Loancare who indicated that the payment had not been issued. Request a transfer to a manager and after 30 minutes on hold was sent to a voicemail box that would not take a message.

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 2020-03-03
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME FRAUDULENT ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE FRAUDULENT ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA AS TO HOW MY PERSONAL INFORMATION WAS OBTAINED BY THIS INDIVIDUAL TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE FRAUDULENT ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.

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