BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-28
Company: Southern Oregon Credit Service, Inc.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, I have tried multiple times to send requests for reciepts to be mailed to me along with my remaining balance. Over the past week i have contacted Southern Oregon Credit almost everyday trying to get information on my debt yet they are with holding the information. I have no clue if they are adding to my debt, if the payments are actually going to their purpose, and if they are trying to wrongfully increase my interest. I have nothing for my records from Southern Oregon Credit and have not recieved anything via mail regarding my debt for about 2 months or longer. Im tired of playing these games with this company. It goes to show that all those consumer complaints online are true. I get responses faster on this complaint site than i do from Southern Oregon Credit and they are literally located 10 blocks from my house. I refuse to call or go down there due to the vulgar language, abuse, and collection tactics. I want this to be over, i never want to be affiliated with this company ever again. I plan on taking action so that in the future other consumers will not be forced to deal with this company. I want my information that is being with held! I WANT RECIEPTS FOR XXXX/XXXX/2017, XXXX/XXXX/2017, AND ANY THEREAFTER. i AM BEING GARNISHED SO I HAVE NO OTHER WAY TO KEEP RECORD OF WHAT THIS COMPANY IS TAKING AND THERE SHADY TACTICS. THIS SHOULD BE REPORTED. THERE ARE LAWS BEING BROKEN PER THE STATE OF OREGON. I WILL BE COMING IN FOR THE FINAL PAYMENT TO GET COPIES OF ALL NECESSARY DOCUMENTS SHOWING SOUTHERN OREGON CREDIT HAS BEEN PAID IN FULL ALONG WITH A WITNESS AND RECORDING DEVICE. i have read from previous consumers about how this company will report debt as unpaid to continue garnishment despite being paid in full and i refuse to be your victim. I have copies and records of all my attempts to communticate with this company i also have verbal recordings of your creditors who use alias 's and their threats / vulgar language. Just something to keep in mind. I will keep cobntacting you and keeping record of everything until you facilitate what i am asking for, it 's not much and its the least you company can do for all my hard ships and suffering with the treatment i have recieved.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax is utilizing an incorrect name I've reported it 3 times to this agency, and has it attached to my credit report. A file a dispute on XXXX it was completed on XX/XX/2022. Notifying that Account # - * The results are : THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE and that If an item states " Deleted '', we have removed it from your credit report and taken steps, so it does not reappear. It has never been deleted of report and when I reached out twice, they stated I have to refile a dispute. That the collections agency replaced it on the credit report. I have checked every day since the XXXX we are on the XXXX it has never been removed of the report. I ask to speak to management I was placed on hold and hung up on both times. They are reporting inaccurate information even when we provide written documentation, and they find and confirm that it is inaccurate they continue to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: EQUIFAX, INC.
State: GA
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 information on my credit report. I also sent a second letter on XX/XX/2020. It has been 64 days, I've prepared yet another letter and I have not received a response yet. I feel like my disputes are being ignored and I'm being taken advantage of. In section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove them from my credit report. I demand that these accounts be promptly deleted or I will file for litigation due to the ongoing XXXX you've caused me. As a courtesy I have listed the inaccurate accounts in question below : 1. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX 3. XXXX  XXXX XXXX Account Number : XXXX 4. XXXX XXXX XXXX Account Number : XXXX 5. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX 7. XXXX XXXX XXXX  XXXX  Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX Please remove these items from my credit report. They are displaying false and misleading information about me!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XXXX/XXXX/2017 I made a payment on my FHA loan that reduced my principle balance to below the 78 % of purchase price that should have triggered automatic removal of PMI from the account. During this time period our loan was in the process of being transferred from XXXX XXXX to LoanCare LLC. I spoke with customer service from both institutions around that time and they confirmed that PMI should automatically be removed from my account. 3 months have passed and I have again reached out to LoanCare LLC and they still have not removed the approximately {$85.00} they are charging me every month for PMI. They are insisting that I have to send them a request in writing to remove PMI which is in violation of HUD/FHA policy. Between 78 % and 80 % you have to request removal in writing. Below 78 % should be removed automatically. I am also under contract to sell the house which puts a tight time frame on fixing the error.
To compound the problem their website at the same time says I do not have PMI and yet I see the {$85.00} coming out each month. LoanCare LLC customer service reps continue to confirm they are charging for PMI and despite talking with their managers a few times they will not give me a straight forward answer or even send me an email stating they are review the issue. Because the website states we do not have PMI we ca n't even fill out the form necessary to request the removal of PMI, which at times the company says we are required to fill out to remove PMI, even though we are below 78 %. We have spoken to customer care members XXXX ( ID XXXX ) and XXXX ( ID 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 2018-01-06
Company: EQUIFAX, INC.
State: LA
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:
XXXX XXXX, XXXX I started looking over my credit report and noticed I had a lot of hard unauthorized inquiries on my report. So I called Equifax and no one wanted to help me. So on XXXX XXXX, XXXX I called again and got the same response that no one was able to help me and there wasnt anything that they could do about it. So on XXXX XXXX, XXXX I sent them certified letters with returned receipts and waited to hear something back. So in XXXX I called back and was able to place a fraud alert on my account. And I still was having unauthorized inquiries popping up on my report even with the fraud alert. No one is alerting me that someone is running my credit without my permission. I went get a police report and wrote more certified letters and still was told they couldnt do anything about it. I been sending letters and calling for 7 months now and still have yet to receive any help. Its now XXXX and Im still having the same problem. I keep sending letters and calling and no one is willing to help me. This is messing up my credit and stopping me from applying for a home loan because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
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: Information is missing that should be on the report

Complaint:
This complaint is related to my Chase Auto Loan below : XXXX Number : XXXX Vehicle : XXXX XXXX XXXX VIN : XXXX Experian never reported my auto loan & my auto loan never appeared on my Experian Credit report XXXX 

This auto loan does appear on my XXXX XXXX XXXX report. I would like Experian to adjust/amend my Experian report to reflect my XXXX auto loan, as it was a loan in good standing for approx. 18 months, never late. 

I have tired working with Experian directly, and also with XXXX, but to this day, Tuesday, XX/XX/XXXX, this issue is not resolved. 

Please help. 

XXXX XXXX XXXX, TX, 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 2017-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
I paid my last XX/XX/XXXX statement balance of {$9600.00} IN FULL on XX/XX/XXXX with Capital One.
My account is listed as closed yet they issued a {$15.00} interest charge " on purchases '' on XX/XX/XXXX. My last purchase was XX/XX/XXXX, a full three statements/months ago.
When I spoke with the rep, he could not give me a valid explanation on what the interest charge was specifically for. He told me that in order to close the account I have to pay " two full statements in full ''... How am I supposed to pay two full statements in full if there is a XXXX balance? Oh I know, they arbitrarily assign a {$15.00} " interest charge on purchases '' even though I have n't made any purchases in months, and the last statement was paid in full, and the account is listed as closed. This makes no sense and I 'm not paying another dime.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: World Acceptance Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
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 4th attempt to try to resolve this issue with this company. I have reached out to my Bankruptcy attorney and was told to make one last attempt before further action is taken. I was informed that even though World Finance sent my debt with them to collection It should still be considered as Included in Bankruptcy! XXXX XXXX has never contacted me or made me aware of any debt regarding World Finance and World Finance is reporting incorrectly.In most federal circuits, even debts that werent listed in your bankruptcy schedules are discharged, My case was a no-asset Chapter XXXX case. In the XXXX XXXX, the case that stands for that proposition is XXXX. I continue to check my credit for updates and it states " Charged Off Account '' which is once again INCORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: Experian Information Solutions 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:
XXXX XXXX is a fraudulent account XXXX is reporting fraudulent charges. XXXX wirless is a fraudulent account. XXXX XXXX is a fraudulent account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: Capstone Credit & Collection, LLC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XX/XX/XXXX I just got off the phone with CAPSTONE CREDIT COLLECTIONS LLC XXXX XXXX told me to stop wasting the governments money and go get a job to pay the money to them. i ask for the contract to show that they have the right to collect the debt he sent me an outdated contract from XX/XX/XXXX which was a general contract giving them permission to collect for XXXX  AT XXXX XXXX along with the new contract which he sent that's from XXXX XXXX XXXX from XX/XX/XXXX now its a new owner new company XXXX XXXX i asked for the new contract CAPSTONE does not have a contract to continue to try to collect anything. the company doesn't own or have a agreement to collect any debt or report any debt since XX/XX/XXXX which was XXXX AT XXXX XXXX which no longer exist.the sole purpose of this company is to trick people into paying debt that they can dispute and for CAPSTONE to try to collect a debt an pocket all the money without having to pay the original creditor is FRAUD and criminal. also XXXX told me why dont i put this energy into getting some money instead of being a pain in his XXXX and bothering them, which is the reason i need this off my credit report in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I the natural person XXXX XXXX received a letter from XXXX XXXX that I owed a debt of {$16000.00}. I have never done any business with XXXX XXXX and according to the FDCPA these are violations to my consumers rights. I have a written down the violations and mailed an invoice of {$1000.00} for each violation which is my right according to 15 USC 1692k civil liability.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
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 is missing that should be on the report

Complaint:
I looked at my XXXX credit reports. I have paid off more then 75 % of my debt. My scores went down. This not only does not make any since but needs to be stopped and corrected. All XXXX credit agencies are worthless and wrong. 
Legal action needs to be taken against them. 

I am going to look into taken legal action against them. How can it be I paid off over 75 % of all debt and not only is it not shown but your score goes down.

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 2017-07-30
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:
XXXX XXXXAct. # XXXXPast Due : {$170.00} Pay History Opened : Reported:XXXX Condition : Derogatory Individual Account Limit : {$0.00} Balance : {$170.00} Payment : {$170.00} Credit Type : Open Account XXXX XXXX Remarks : Collection account Utility I have not opened a XXXX XXXX account. Its saying that it is open and past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: World Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a loan with Midwestern Financial several years ago. I didn't pay it and it went to collection. I paid the collection item in full back in XXXX of this year to the third party collectors. As a matter of fact they drug their feet on updating the reporting and CFPB got involved and solved it. I can't remeber the name of the third party company. I think it was XXXX XXXX  in California. So I paid it XX/XX/2020 and then today Midwestern reports an unpaid collection for XXXX on my XXXX. please help me. I need it completely removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid my debts off to Ad Astra Recovery Services and they refuse to take the debt of credit. I also called XXXX and they refused to help me. They assured me that they would get these collections off my report, but they refuse to do their part after I paid them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: SYNCHRONY FINANCIAL
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for a XXXX credit card for BP gXXXX XXXX for my business, XXXX XXXX XXXX in XX/XX/2021. I received conditional approved status. I could pay a partial deposit of various amounts or I could personally guarantee the account. I chose to pay the partial deposit in the amount of {$200.00} on XX/XX/2021. After a few months I never heard anything back so I begin to contact the representative that helped me. I could not get in contact with her via email nor call. I emailed and calld over five times. So, in roughly XX/XX/2021 I contacted the general number and made a complaint and notified them I wanted my money back since I never received a card. The lady I spoke to said the representative I had been speaking with would get back in contact with me. I never received any communication back.

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 2022-01-18
Company: International Computer Systems, Inc.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I took sick in XXXX of 2021 and had to go to the emergency room twice. I do not have insurance at the time so I had over XXXX in medical bills. I applied for financial assistance through the hospital and was approved for assistance. 
I then sent copies to the different companies that were trying to collect money for the bills as well. My debt is paid but they will not remove them from my credit report because " charity '' paid the bill. This has caused my credit score to drop over XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: Coinbase, Inc.
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Problem Narrative:

Using the LTC virtual currency address provided by Coinbase (XXXX) I transferred XXXX LTC virtual currency from an external exchange (XXXX) to Coinbase. Coinbase accepted the transfer on their web site and attempted to transfer to XXXX but the transfer stuck in the process. However, Coinbase states in their automated mail the coin WAS transferred, but the evidence below shows very clearly it has not cleared.

Here is the currency audit trail from XXXX  XXXX to Coinbase proving that Coinbase has the XXXX worth of LTC on their exchange:

Completed
2018-XX-XX XXXX
LTC
XXXX
Address: XXXX
Txid: XXXX 

Here is the mail Coinbase provided to me after they got the funds:

You just received
XXXX LTC
You just received XXXX LTC (worth $XXXX USD) from an external Litecoin account. It may take up to 6 network confirmations before your Litecoin is available to trade.

Checking the blockchain, the transaction obtains all confirmations.

Here is the notification they sent for the Coinbase XXXX  transfer:
(Also, note this is an internal process that Coinbase conducts, not the customer)

You just sent
XXXX LTC
Congratulations! You have successfully sent XXXX LTC (worth $XXXX  USD) to XXXX using Coinbase.
This withdrawal is being sent to an address ("XXXX") that you haven't previously used.



Upon verification of the funds, noticed they were in a PENDING state. Waited 24-hours with no response from support. Have emailed multiples times each day since with not response. They are not taking calls on their XXXX  number. No response from their XXXX XXXX account. I have also filed a BBB report and no response with that action. I hated to resort to this action, but unfortunately I have no other recourse to retrieve my funds.


Here is the transaction details for Coinbase transfer from their Coinbase wallet to XXXX  exchange:

deposit
XXXX XXXX - XXXX XXXX, 2018 UTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am having an issue with the credit bureau company Transunion. I have disputed inquiries that should not be on my bureau with no response from them. The inquiry dates are as follows : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have not obtained or tried to obtain any credit with lender or creditors. I have not signed anything to obtain any credit. These inquiries should be removed 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