BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-20
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX i wires {$9000.00} to coinbase/XXXX and as of today XX/XX/XXXX i have not received my deposit in my account. My bank confirmed the transaction was completed onXX/XX/XXXX. 
Tracking XXXX XXXX Sent to : Coinbase, Inc XXXX XXXX XXXX # XXXX XXXX XXXX , CA XXXX I emailed XXXX support on XX/XX/XXXX and got a response that they were will get back to me. Then on XX/XX/XXXX i called support and were told that they will eacalate the issue. Then XX/XX/XXXX i called again and was told there was nothing they can do for me and i will just need to wait.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: Bonneville Billing and Collections
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I got a letter from XXXX XXXX XXXX for a debt that I owe for some medical treatments I had done. That I thought my insurance was taking care of, but I had n't met my deductible, so they were n't. I did n't have a job, or a phone, and did n't receive phone calls from the manager. She did call family members and asked if they could get a hold of me, when they asked what for, she was rude with them and would n't tell them, just left a number. I did try to call back at the number she left and each attempt went to voicemail and I was unsure what she was calling about so I did not leave a message. 

Cut forward to XXXX XXXX. I receive a letter that said I had 7 days to pay the balance in full of {$210.00}. The letter is dated XXXX XXXX, I live in the same area, so there 's no reason it took a week to receive it. I assume it 's because Bonneville failed to put it in the mail that day, I wish I had the envelope still to see when the exact postage mark was. I called the day I received the letter at 11:44 am. I asked if I could have an extension until XXXX XXXX to pay the amount in full. The person I spoke with said that would be fine. Right before ending the call she said, " do you still work for ( previous employer. ) '' I replied that I do not. She asked for my current employer information and I said I did n't feel comfortable giving her that information because I did n't want my employer to receive harassing phone calls from their company, like my parents have. She said she needed that information to make a payment arrangement, and I said, well I wo n't give you that information because I do n't feel as though it 's needed. She said, " okay that 's fine, I 'll give this account over to my attorneys office today, goodbye. '' I feel as though she was threatening and rude. Today I got served a summons from their attorney. In which the attorney office said that they needed the information of my employer to set up a payment arrangement, in case I did n't make the payment and a lot farther out if they needed that information to garnish my wages. Which would have taken months. This information was not explained by the Bonneville representative, only by their attorney office that I know owe almost {$500.00} to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21
Company: Exeter Finance Corp.
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: Old information reappears or never goes away

Complaint:
Re : Exeter Finance Corp XXXX. XXXX XXXX XXXX, Tx XXXX Re : Letter to remove inaccurate inquiry credit information. 

To Whom It May Concern : I received a copy of my credit report and found the following item to be errors. 
Here as followed are the item in error. 

The following inquire needs to be removed immediately : Creditor Name : Exeter Finance Corp Date : XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: Commonwealth Financial Systems, 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:
On XX/XX/XXXX I ordered a copy of my credit report for all 3 credit bureaus and noticed some accounts that I was unaware of. The accounts seem to be errors of debt that I am unaware of. I have sent certified letter to the creditors and to all 3 credit bureaus yet no actions was taken in order to resolve this matter. I have decided to file a lawsuit against the creditors for using my consent without me, and not removing this error off my credit permanently. Your company has caused major distress to my life, has threaten to sue me and have contacted me at my job. Your company have violated me in many ways through The FCRA laws sections 604, 605, 609, 611 ( a ) ( 1 ) ( A ), ( a ) ( 7 ), ( 5 ) ( A ), 616, 617.  I am not going to allow you to harass me any longer and I have filed a lawsuit. Ive tried to contact you through mail with certified documents, the phone but no response back after months. I was left to file a lawsuit against your companies. 
The erroneous status of your credit reporting agency records is unacceptable and is preventing me from obtaining necessary financing. Pursuant to Title 15, Section 1666 of the United States Code, I formally request the following documentary evidence pertaining to my account : A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made, and date of charges posted. 

Copies of all documents and financial instruments used to pay the disputed late payments. 

Copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness. 

This information and documentation is critical and time is of the essence. Within less than thirty ( 30 ) days, I will be damaged partially because of the discrepancy with your reported records. The above noted code requires your response within thirty ( 30 ) days. Your prompt attention will be greatly appreciated. I hereby request that your response be mailed to the address listed below. 

If you find that your information and documentation does not support the negative history reported to the three credit bureaus, I invite you to submit a completed Universal Data Form to said bureaus in order to remove the negative notations. Upon removal of the negative notations, I agree to hold your company harmless from any and all inconvenience and/or damage related thereto. 
XXXX XXXX XXXX {$930.00}, XXXX XXXX XXXX {$670.00}, COMMONWEALTH FINANCIAL {$890.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
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:
Experian Experian National Consumer Assistance Center XXXX XXXX XXXX XXXX, TX XXXX RE : Social Security Number:XXXX To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing chargeoff/collection/late on XX/XX/2017. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing  any potential issues with your company via an online public press release, including documentation of any potential small claims action

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 2019-07-21
Company: ClearOne Advantage, LLC
State: MA
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:
CLEARONE ADVANTAGE claims that I authorized them to do a hard pull on my credit file, I disputed this inquiry that appears on my credit file because I know that I never gave them any authorization to do so, first thing is that in order for them to do a hard pull on my credit file, they must have permisible purpose. The FCRA says that a creditor or user has to provide permissible purpose, all I want is for this to be deleted now. I did not authorize this company to do a hard pull on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 my first complaint to the three credit bureaus XXXX, XXXX  and Transunion, I requested the method of verification for an account that is being reported on my credit report with the name of XXXX XXXX/XXXX. I sent the credit bureaus a method of verification letter and they never provided me with anything, so I then sent the credit bureaus a second method of verification letter telling them that my first letter was about me asking them for the method of verification for that specific account and still they have not provided me with anything but they still tell me that the account was verified. I know that by law I have a right to ask for the method of verification for an account and the credit bureaus must provide the consumer with this information and I also know that by law and according to what the fcra says, credit bureaus have 15 days to provide the method of verification to the consumer. I want the account XXXX XXXX/XXXX deleted from my credit report because the credit bureaus failed to provide me with the method of verification in 15 days.

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 2018-01-15
Company: Lending Club Corp
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : Social Security Number:XXXX To Whom It May Concern : I have recently been informed that there is negative information reported by lending Club in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing chargeoff/collection/late on XX/XX/2017. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with lending Club and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ),  and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2.  ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21
Company: FC HoldCo LLC
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: Old information reappears or never goes away

Complaint:
RE : FLAGSHIP CREDIT ACCEPTAN XXXX. XXXX   XXXX XXXX, TX XXXX XXXX : TO REMOVE INACCURATE INFORMATION ON MY CREDIT REPORT TO WHOM IT MAY CONCERN : I OBTAIN A COPY OF MY CREDIT REPORT AND FOUND THE FOLLOWING TO BE AN ERROR. 
HERE AS FOLLOWS ARE THE ITEM IN ERROR : CREDITOR NAME : FLAGSHIP CREDIT ACCEPTAN DATE : XX/XX/2018

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 2019-07-21
Company: Factor Trust
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Have contacted your company multiple times concerning a security freeze due to I am a victim of Identity theft. 
Conpany keep sending mail stating not enough to verify my identity. Ive sent my cdl birth certificate bank statements social security card and utility bills to them but they keep requesting more documents to prevent applying freeze as Ive requested multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21
Company: Clarity Services
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Have contacted your company multiple times concerning a security freeze due to I am a victim of Identity theft. 
Conpany keep sending mail stating not enough to verify my identity. Ive sent my cdl birth certificate bank statements social security card and utility bills to them but they keep requesting more documents to prevent applying freeze as Ive requested multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXXI ordered a copy of my credit report for all 3 credit bureaus and noticed some accounts that I was unaware of. The accounts seem to be errors of debt that I am unaware of. I have sent certified letter to the creditors and to all 3 credit bureaus yet no actions was taken in order to resolve this matter. I have decided to file a lawsuit against the creditors for using my consent without me, and not removing this error off my credit permanently. Your company has caused major distress to my life, has threaten to sue me and have contacted me at my job. Your company have violated me in many ways through The FCRA laws sections 604, 605, 609, 611 ( a ) ( 1 ) ( A ), ( a ) ( 7 ), ( 5 ) ( A ), 616, 617. I am not going to allow you to  harass me any longer and I have filed a lawsuit. Ive tried to contact you through mail with certified documents, the phone but no response back after months. I was left to file a lawsuit against your companies. 
The erroneous status of your credit reporting agency records is unacceptable and is preventing me from obtaining necessary financing. Pursuant to Title 15, Section 1666 of the United States Code, I formally request the following documentary evidence pertaining to my account : A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made, and date of charges posted. 

Copies of all documents and financial instruments used to pay the disputed late payments. 

Copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness. 

This information and documentation is critical and time is of the essence. Within less than thirty ( 30 ) days, I will be damaged partially because of the discrepancy with your reported records. The above noted code requires your response within thirty ( 30 ) days. Your prompt attention will be greatly appreciated. I hereby request that your response be mailed to the address listed below. 

If you find that your information and documentation does not support the negative history reported to the three credit bureaus, I invite you to submit a completed Universal Data Form to said bureaus in order to remove the negative notations. Upon removal of the negative notations, I agree to hold your company harmless from any and all inconvenience and/or damage related thereto. 
XXXX XXXX XXXX {$930.00}, XXXX XXXX XXXX {$670.00}, XXXX XXXX {$890.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello a few years back my bank account was fraudulently used by scammers to put money inside like bad checks and they somehow took the money off I tried to explain it but it didnt help now Im having issues with getting my mortgage loans I cant refinance my car or get into a credit union to better myself I just want to see what I can do to help my situation and get this Taken care off ASAP so I can open a bank account at a credit union

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 2019-07-21
Company: ALLY FINANCIAL 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:
RE : ALLY FINACIAL INC XXXX. XXXX  XXXX XXXX, MN XXXX RE : INACCURATE REPORTING TO CREDIT REPORT TO WHOM IT MAY CONCERN : I RECEVIED A COPY OF MY CREDIT REPORT AND FOUND THE FOLLOWING ITEMS TO BE ERRORS. 
HERE AS FOLLOWED ARE THE ITEMS IN ERROR : THE FOLLOWING INQUIRES NEEDS TO BE REMOVED : CREDITOR NAMES : ALLY FINANCIAL IN CREDITOR DATE OF INQUIRES : XX/XX/2018 & XX/XX/2018 2018

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 2019-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
RE : CAPITAL ONE AUTO FINANICAL XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : TO INACCURATE REPORTING TO CREDIT FILE TO WHOM IT MAY CONCERN : I RECEIVED A COPY OF MY CREDIT REPORT AND FOUND THE FOLLOWING ITEMS TO BE ERRORS. 
HERE AS FOLLOWING ARE ITEMS IN ERROR : CREDITOR NAME : CAPITAL ONE AUTO FINANIAL CREDITOR DATE OF INQUIRES : DATE : XX/XX/2018 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX failed to properly enter a correct mailing address for a final bill. Therefore i never received a bill. Had power from XXXX through XXXX with them with a perfect payment record. The turned the collection over to Helvey & Associates which never mailed my a bill. This was discovered through a mortgage loan application. It has negatively been reported to 3 credit bureaus. I paid the bill in full today of {$100.00} to XXXX XXXX & contacted Helvey & Associates. They informed me that even with a payment confirmation number it would take them two weeks to get confirmation that it had been paid. XXXX XXXX & Helvey & Associates failed to report my perfect payment history of 18 years to the 3 credit bureaus. XXXX XXXX and Helvey and Associates are unconcerned that this has affected me personally, professional and financially. I am a XXXX and the lender is a preferred partner this has caused great distress to me personally and professionally.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-21
Company: Security Credit Services, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Despite FTC in XX/XX/XXXXLawsuit and Permanent Injunction against Security Credit Services , LLC over issues to include deceptive voicemail messages. On XX/XX/XXXX I began receiving harassing threatening automated voicemail messages that failed to identify messages were from a collection agency ( please see attachment voicemail transcript/ answering machine incoming answer was later changed by SCS to depict medical facility ) from Security Credit Services , LLC a.k.a XXXX XXXX. Collection agency is slow or non responsive to my attempts to expeditiously resolve matters in a timely manner without further expense or delay in a manner where no further harassment and intimidation tactics will be used by the collection agency and despite my adamant wishes to resolve the account quickly and thoroughly remove collection listed from my credit reports that the collection agency has plastered all over my credit reports without first notifying me of the outstanding debt, my right to dispute the debt, or have the debt sent back to original creditor for resolution, and its failure to validate its authority prior to collect on debt. Or validate its legal right to collect debt or sue in Florida despite threatening to do so. Collection agency refuses to negotiate reasonably settlement on old/ charge off account. It has negatively hindered my ability to establish credit and purchase a home. Security Credit Services , LLC alleges an outstanding amount of {$1800.00} is owed to their agency from a charge off account it purchased from the original creditor in XX/XX/XXXX.

Company response to consumer: Closed with explanation