BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-27
Company: T.S. Holdings
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2020, IQ Data International reported a balance of {$710.00} on my credit report. I was never notified of this debt prior and was informed by original lender that my balance was paid. In addition, I was informed that if I paid the balance then the collection will be completely removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-03
Company: CITIBANK, N.A.
State: FL
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:
There are five unauthorized inquiries on my credit file from XXXX. I have contacted the company in the past to inform them about the matter but I never get a response. I have no business with company and they shouldnt be accessing my credit file.

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 2020-12-03
Company: AES/PHEAA
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
This company cardinal financial told me to qualify for this mortgage I needed a larger down payment and everything would be fine due to the fact that my dti was too high Not true because I have next to no debt at all and they acknowledged that They strung me along and when I showed proof of the larger down payment they still denied me after stringing me along till I almost lost my escrow deposit I believe they discriminated against me because of my race

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: ONLINE Information Services, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was XXXX in XXXX from XX/XX/XXXX to XX/XX/XXXX. I called XXXX XXXX XXXX, explained my situation and to cancel the account. It looks like that did not happen. I have a a collection for {$1200.00} from Online Information Services about this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In a review of my credit file, I see this collection agency, Portfolio Recovery Associates, and a creditor, XXXX XXXX for two accounts ( XXXX XXXX XXXX XXXX ). I have no contractual agreement with this company. I have not signed any documents of any kind. This is collecting agency is collecting for two accounts as I previously noted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: Navient Solutions, LLC.
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: Account status incorrect

Complaint:
I took out 6 student loans during my time as a student of the University of XXXX. Upon Graduation, I requested that Navient would put my loans in deferment until I was able to get a job and start repaying my loans, which they agreed to do. On my credit report, it is showing that all 6 loans from Navient has a 90-day late payment as of XX/XX/XXXX. I called Navient today ( XX/XX/XXXX ) and spoke with XXXX about this issue. XXXX agreed with me that the marks should have never been placed on my account and caused my credit and payment history to suffer, but that she was not able to do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hunter Warfield began reporting an apartment collection from XXXX XXXX around XXXX XXXX. The original balance was reported as {$2300.00}, and as of XXXX 2017 is reporting the balance at {$3200.00}. I have disputed this debt to Hunter Warfield directly as well as through the credit reporting agencies that they reported it to as a collection account. I do not owe this debt. There were repeated and significant issues with the apartment and the apartment management breached its duties under Florida law to maintain a habitable environment. There were rodents in the apartment, and I and my children were bitten by bed bugs, and the apartment was consistently infested with cockroaches. The last straw was when my daughter came screaming to me because there was a dead roach on her toothbrush. I am not sure which adjectives I can use to describe the apartment other than completely substandard, disgusting and gross. To add insult to injury, the apartment management created all kinds of bogus and illegitimate fees and sent it to Hunter Warfield to collect. When I tried to explain this to Hunter Warfield, they seemed uninterested in anything other than collecting the debt for their " client, '' whom apparently they presume to be right and the consumer wrong. I paid what I was required to pay and more ; I left in XXXX but had rent paid through XXXX. It is morally reprehensible that Hunter Warfield is attempting to collect over {$3000.00} for these reprobates. On top of this, it seems Hunter Warfield is adding a collection fee or interest charge to the balance each month. I can not see how this is permissible or legal.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
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: Information belongs to someone else

Complaint:
Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on TransUnion for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

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 2017-08-09
Company: World Acceptance Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
This is the first time I 've been late with this company World Finance in XXXX, Ga. I 've been harassed for weeks. My due date is on the XXXX of the month and I spoke to the branch manager few days after my due date and explained I was trying to come up with the money. I have switched jobs and we are trying to get on our feet. This company 's will start early in the morning and repeatedly call me from multiple numbers ever day and continue over and over again. They are also calling me from unknown numbers and when I do n't answer those they call right back from another number and continue it over and over again. I have saved under contacts at least 8 numbers they call me from. This is harassment and I want it to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
When I tried to access my accounts online, I found out they were frozen. I attempted to contact Capital One via phone calls, email, letters and I have gotten EXACTLY NO RESPONSE from anyone from customer service all the way up to the CEO. 

No one has called me. 

No one has emailed me. 

No one has sent me a letter. 

I recieved no acknowledgements to my emails, phone calls or letters! 

This not how a bank is supposed to operate. I have a right to know what is going on with my money.

I called Capital One on XX/XX/XXXX, someone was supposed to call me.

I email the CEO on XX/XX/XXXX, and no response.

I emailed the XX/XX/XXXX and no response or acknowledgement.

I sent a letter via usps to the CEO and again, no response.

I called the executive offices and all they could tell me was send an email to the officeof the president.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There are multiple addresses reporting on my credit that do not belong to me. Please remove these addresses from my credit report. I have attached documentation to confirm my address. I only want one address reporting on my credit.

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 2020-12-03
Company: Panteris & Panteris, LLP
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Firstly this law firm send me a threatening letter, telling me that if I will not pay the debt than they will file a lawsuit .They didn't include no information that they are a debt collectors .See attachment. After I ignore them I received a letter than they filed a lawsuit against me. when I was filing the answer, I found another stipulation saying that apparently they have spoke to me and we agreed to payment plan. I didn't speak to nobody and this company is not only in violation of FDCPA but committed Court Fraud. 
I requested validation of debt from them and I have never received any answer .Please find attached certified receipt.

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 2020-01-22
Company: Experian Information Solutions Inc.
State: FL
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  is reporting I owe thdm {$2800.00} on my credit reports this is my last attempt for them to take this off my credit reports before I sue them and the agency 's reporting this account on my credit reports never made these chargrs not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-29
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
The mortgage servicer failed to foreclose on an abandoned property in a timely manner. This caused negative impacts to the XXXX XXXX ( XXXX ) and its residents in several ways : - Delinquent assessments and collection fees. XXXX assessments have not been paid since XX/XX/2019. Delinquent assessments currently exceed {$2000.00} and continue to accumulate. The home has degenerated into a poor condition with associated loss of value so the XXXX does not expect to recover these assessments when foreclosure eventually occurs. These costs will ultimately be paid by the XXXX and its members. 
- Security issues. After the property was abandoned, it became a magnet for squatters who broke windows, stole parts of it, and aggravated surrounding neighbors. The XXXX expended resources to board up the doors and windows to discourage squatters. These costs will ultimately be paid by the XXXX and its members. 
- Property maintenance. To reduce blight, the XXXX continues to expend resources to mow weeds in the front yard. The XXXX is now considering considering turning the water back on so it can restore the front lawn. These costs will ultimately be paid by the XXXX and its members. 
- Reduced property values in the neighborhood. The abandoned home is an eyesore and a security risk and we believe it has reduced the value of nearby properties. This is difficult to quantify, but the home next door was recently on the market for sale several months longer than expected. 

The XXXX asked the mortgage servicer to help in this matter but without success.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: Experian Information Solutions Inc.
State: AZ
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:
Experian Member ID XXXX I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I copied from my online Experian credit report the item I am disputing ( see below ). The item I am disputing does not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. 
This lender has accessed my credit file : US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Per XXXX at the US SM BUS ADMIN ODA 800 number XXXX, the following Application # XXXX was submitted to their office that contains my personal information that has been used without my knowledge or consent. 
I want this removed from my credit report and the application SHUT 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 non-monetary relief
Consumer complaint received 2018-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX XXXX open XX/XX/XXXX Amount XXXX account paid in full XX/XX/XXXX For the amount of 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 2017-08-04
Company: FIRST HAWAIIAN, INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I leased used car with first Hawaiian bank XXXX unfortunately I have have to out of country for a while so I returned to bank and I 'm back to home XXXX and bought new car at that time, I found out from insurance company. They said, company paid for this so they want to ask pay back so I paid by monthly with insurance payment. 
So I called bank explained, what happen and what I want to. 
But on my credit file still showed balance {$3200.00} and will be moved XXXX. 
I believe, bank cover the money anyway and I covered insurance company damages. 
So, I 'm requesting this matter should disappeared now. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Southwest Credit Systems, L.P.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To Whom it May Concern, This letter is a formal compliant that you are reporting and incomplete credit information.

According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I bought something of XXXX from this person that I thought was legit. We did an offline transaction called XXXX. The person notified me that the item will be shipped tomorrow and if I changed or did not like the item that person would give my money back. The following day that person texted me stating that the item was shipped, I texted back asking if I was able to get the tracking number, the person did text back and stated she was driving and will get back to me. Hours pass and I still havent gotten a respond back .. that person blocked off my phone number .. and was unable to get a hold of that person. I called my bank ( bank of America ) and explain my situation and filed a claim. Today, I called and check the status of my claim and stated it was denied and for me to contact the person I had a transaction with. How am I supposed to contact someone that block me off my phone. I would of thought doing a transaction with XXXX through Bank of America was secured and would get my money back of XXXX. If anyone is using XXXX dont ever do offline transaction cause your bank will never help you and will be denied. This is a lesson learn for me, there are so many scammers out there!

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 2019-05-02
Company: National Recovery Service, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have never received any written notification about this debt. It should not be on my credit reports due to me not having a chance to validate the debt. Please remove the items from all three credit bureaus.

Company response to consumer: Untimely response
Consumer complaint received 2018-02-05
Company: Coinbase, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I purchased {$200.00} worth of Ethereum totaling XXXX ETH after fees off Coinbase. There was an error and I received an email cancelling the order. The occurred on XX/XX/XXXX. My bank account was debited {$200.00} and the charge is not reversed. In my transactions, I see the amount purchased and another event called " Sent to coinbase '' showing the purchased Ethereum transferred out of my account. Coinbase has not responded since.

Case # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: EQUIFAX, INC.
State: SC
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:
Dispute 14 inquires on equifax. Only 2 remove. All should be removed as they are not mines. Tired of the runaround with equifax about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: Convergent Resources, Inc.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never had this company in my name. This says it has been open since XX/XX/2017. I have had XXXX for over 2 years. There is no way that this could be my debt. Company has not sent proof that this was done by me. Only thing that I just recently received was a settlement letter. I am not paying for something that I have never had in my name. They are saying I owe {$500.00}.

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