BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-01
Company: DigniFi
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I made a purchase with the understanding that it was interest free for XXXX  months as long as the payments were made. Turns out that was not the case when I discovered dignify, I was accruing interest on my account. I attempted to make another payment to close the account. This payment failed without error. It just never happened - two days latter when I did not see the debit from my XXXX checking account ( the same Ive been using for online payments since inception ) I phoned customers service and was informed that I could not make any additional payments for another 15 days or I could pay a {$4.00} fee and unknown amount from my XXXX checking account I could avoid another annual fee which was another surprise. The supervisor I spoke to earlier this evening was less than helpful and offer the solution of waiting another 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Experian Information Solutions 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:
checking my credit report I noticed a lot of invalid information. I am interested in disputing my incorrect information with Experian. it is hendering my file. please clear all information listed.

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 2019-10-05
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Every year when my insurances on my home is due i pay it on time. never late. but every year i get a threat letter that Quick and Loan shows insurance expired. 

Threat to buy insurance an escrow my account. I can not give proof until i receive the documents back that i have insurance coverage. 

But every year same threat letter stated our records show insurance has expired. Its renew every year! 

Sick of the threat letters of legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX THIS BANK CONSTANT CALL REPEATEDLY FROM DIFFRENT PHONE NUMBERS ALL DURING THE DAY XXXX XXXX ( XXXX XXXX ) XXXX-2018 XXXX ( XXXX XXXX ) XXXX-XXXX-18 XXXX ( XXXX XXXX ) XXXX-2018 XXXX ( XXXX XXXX ) XXXX-XXXX-2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-14
Company: Experian Information Solutions Inc.
State: NV
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:
This goes back to XXXX .I inquired with XXXX XXXX XXXX about attending school. I did paper work and went to school for about 1 week there. I never received not 1 check. I got incarcerated the same week I started for 9 years. The school fraudulent cashed checks in my name because I did n't. I sent an article to XXXX XXXX. Servicing showing them at the time I had signed up for school .they were falsifying documents such as checks. In students name. I tried to dispute with XXXX XXXX Servicing I requested a fraud affidavit they never provided. This is not my debt a d should not be on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2021-09-19
Company: ENCORE CAPITAL GROUP INC.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
in XXXX Asset Acceptance LLC won a default judgement in court against me, I was not even notified that there was a court hearing involving me nor did I know about the judgement. I was unaware of this until just last year XXXX. In XXXX I recieved a notice that my wages were being garnished by Asset Acceptance LLC in the amount of {$5300.00} XX/XX/XXXX. I have no idea what this debt is for because there was no way I ever could of owed this amount considering I never had any credit over the amount of {$500.00} due to my credit and that was still long ago. It also would not add up to XXXX. They garnished me and still are currently garnishing my paychecks and I still have not been told what this debt is for. I then got a second notice that dated XX/XX/XXXX calculating debt at {$6100.00}. The amount had gone up suddenly after they had been garnishing my checks already which is not possible at all. I thought it was strange so, I looked up the case by the number on the garnishment papers and from what the court shows on file is that Asset Acceptance LLC won a default judgement in XXXX and that the monetary awarded amount was {$3400.00} and had sent garnishment papers to several banks or something thinking I worked for these banks and were told I did not. I never have worked for any bank so, not sure where they thought I had. as well I had plenty of jobs from XXXX until currently that they could of garnished wages from yet, never had. The court case they have listed on the papers also is stated as CLOSED. So, not only are they garnishing me f something I dont even know what it is for, they also are garnishing me from a closed case from XXXX in which the amount that was awarded was XXXX, yet, they are garnishing for XXXX now after they have already garnished me for almost a year and gotten at least XXXX from garnishing me already after first listing the amount owed as XXXX. I think this company is fraudulent and garnishing my wages for a old judgement that is now long been closed and they are changing the amount of debt owed and increasing it even after they have gotten payments garnished for nearly a year. They also were only awarded XXXX in the judgement by the court so, why are they trying to collect almost twice as much. There is obviously something very wrong here and they are trying to collect far more than they are suppose to that is if they can still collect on a closed case from XXXX, which I dont think they can.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
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 belongs to someone else

Complaint:
Have been back and forth with your company regarding XXXX XXXX. This account is a result of identity theft and does not belong to me. Have also contacted XXXX XXXX and the credit can not validate this account so how in the heck are you verifying it. Not only that after I informed you that was a result of identity theft it should have been blocked and an investigation taken place yet that was not done either so you have not followed the law. XXXX XXXX has no contract bearing my signature no can provide proof of a valid driver license that was issued to open this alleged account. Please remove from my credit file 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 non-monetary relief
Consumer complaint received 2018-08-15
Company: Dynamic Recovery Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Debt collector keep calling asking me to verify home address and last four digits of social security number. Debt is over 15 years old and not even on my credit report. Have told them numerous times to not contact me any further!

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 2022-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states consumer reporting agency cannont furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XXXX/XXXX/XXXX I called the agency to advice of my dispute the first representative was very rude and became irate after advising her I was disputing the debt I was only notifying them why I was disputing since she seemed bothered by my call I wanted to make sure my file was documented correctly and placed on the right status. I decided to call again maybe the colector was having a bad day. When I called again That call was even worst the gentleman nearly verified who he was speaking with he kept muting the phone ( Im sure he was speaking to the other representative ) I asked for the time being to place a cease on my file he just said ok and hung up on me. I was bothered by the way I was treated and felt I wasnt being helped and treated unfair as I was just stressing my concern and dispute in my file. So I decided to speak to a supervisor to see if I could get some help But that was not the case I was treated unfair and feel they were being abusive in the way they were treating me without a reason. As I advices the representatives it is not personal I just wanted my account reviewed further in reference to the charges I was disputing. Which is my right to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
My credit monitoring service alerted me that XXXX XXXX XXXX pulled my Transunion credit report on XXXX XXXX, 2019 twice. I believe these two inquiries belong to someone else because I did not apply for any account with XXXX XXXX XXXX in XXXX 2019. 
On XXXX XXXX and XXXX XXXX, I called XXXX credit card application status. They could not locate any application with my social security number. And they can not help with removing the wrong credit inquiries. 
I also called Transunion to request an investigation and remove the wrong inquiries, but it was unsuccessful because they required a statement from XXXX to request the removal of the inquiries. 
At the moment, it is difficult to contact XXXX for help.

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 2022-12-03
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
While using Coinbase my account was hacked and the hackers sent {$30000.00} funds from my account to XXXX from XX/XX/XXXX- XX/XX/XXXX. They compromised my Coinbase wallet and had access to all my logins, photo copy of ID and passwords. Coinbase claims they cant recover funds from XXXX. I gave them the ID it was sent too, but no action was taken. I reached out to XXXX about my accounts being hacked but no resolution from XXXX Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was contacted by a representative of Speedy Cash stating that I had a payment past due.I don't do business with Speedy Cash

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Contacted Transunion on numerous occasions about inquiries accessed on my credit file without my consent. Was told by a transunion representative that companies have the eight to view my report as wanted without my consent. The inquiries in question are XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XX/XX/XXXX as well as XXXX XXXX on XX/XX/XXXX. Asking for immediate removal of inquiries asap. No I have no contracts or binding business with any of the inquiring companies nor did I approve access.

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 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

XXXX Account # XXXX Bal : {$0.00}

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 non-monetary relief
Consumer complaint received 2023-04-06
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Beginning in XX/XX/2023... .I stopped receiving postal mail and online statements. I believe at the time XXXX as near as I can tell I owed less then {$30.00}. This is on a credit card with Comenity Bank. 
In XXXX of XXXX my XXXX XXXX account sent me a warning that Comenity Bank put a mark on my credit report for 30 days past due. First I tried calling them per thr number on the back of my credit card XXXX different times in XXXX weeks I tried calling them..EVERY TIME after putting in my info. their phone hung up on me. 
I have tried a TOTAL of XXXX times to pay my bill on line and even though I put in MY CREDIT CARD Number it states my account doesn't exist. They have blocked me from all access to my account... but yet according to XXXX XXXX they are charging me {$40.00} a month in late charges. The amount showing on XXXX XXXX I owe is {$120.00} I had to send a check by mail to pay it off. I do not for one minute believe they will either a pay it on time or else acknowledge it is paid. But they have blocked me from my account. On my credit report they are the credit card showing me late in 5 years... but yet no statement of any kind and block my account and my calls I want this straightened out and I want the account I have for the Comenity credit card CLOSED PERMANENTLY Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-05
Company: EQUIFAX, 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:
XXXX XXXX and Equifax caused some inaccurate information on crredit report that made a lender call me collecting a debt b/c of the data breach XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened an account, set for auto renewal in XXXX at the HSBC at XXXX XXXX XXXX in XXXX. It renewed several times without error. The last auto renew was set for maturity on XX/XX/XXXX. The interest was never added AND the account never auto renewed. I never received notice of this maturity and the {$5000.00} sat in my online banking. 

On XX/XX/XXXX I logged into my banking and noticed the CD was closed and the money was gone. On a phone call that day, HSBC said they had cut a check and mailed me a notice as to why the account was closed ( these were went XXXX ). As an act of good will, I was told the check was cancelled and the {$5000.00} ( without the two terms of my 0.075 % interest in two 6 month auto renewed CDS ) would be deposited on XX/XX/XXXX into my savings account. 

By XX/XX/XXXX, the money hadnt arrived. Now customer service is refusing to give me details on where the money is and if I will get it back. The bank never notified me in writing, phone call or email about : -- any maturity to the account after XX/XX/XXXX -- why the account was closed -- why the CD did not auto renew -- where the funds would be relocated ( via check or deposit ) I am currently without answers and no one from a branch or customer service will give me an answer as to what happened to my funds and if I will be getting them back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
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:
I submitted a letter to Experian dated XX/XX/2022, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. Please remove the late payments from this account : 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 2019-06-05
Company: Insikt, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I filed a complaint through the CFPB and the company responded saying I contacted them on multiple occasions stating that i was going to settle and that is false I contacted the the first time stating i will pay in full if its removed off my credit report the guy said ok and i said i will need that in writing and i never received anything fast forward to thia year XXXX to be exact I called with the same agenda this time seeking a deal if possible with the money i had readily available at the time they told me they cant remove from credit it will so the payment as settled and offered a lower deal of {$330.00} but it was due XX/XX/XXXX or XXXX I asked the agent how does this benefit me with this being 4 years old and that negative will start the TIME all over meaning it will have a negative effect for another 7 years refreshing the 4 thats already over and i also stated i will pay the full amount to have it removed she said no i put in my complaint with the CFPB and their response was i called multiple times stating i was going to settle and thats a lie because i had XXXX XXXX XXXX for over a year fixing my credit so thats a complete lie for me to call when im paying a company to handle all credit issues and second wheres the proof its not helping me because you are believing their world over mine WHERES THE PROOF IF YOU CANT PROVIDE THIS YOU NEED TO TAKE OFF MY CREDIT REPORT ASAP

Company response to consumer: Closed with explanation