BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-08
Company: National Credit Systems,Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern : Please remove this file from my credit report as this debt do not belong to me. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. Ive never had any relationship with National Credit Systems or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
National Credit Systems is reporting a collection account on my credit report. I have reached out to them directly requesting validation of this debt and they have ignored my request. I am pretty sure per the consumer laws that it is illegal to ignore a consumers request to dispute an account and I am demanding that this account is deleted from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I put security freezes on my accounts with Equifax and XXXX  in 2017. I received confirmation of the freezes and PIN numbers, from each service. I now want to lift the freeze so I can refinance a home mortgage. 
Both companies now say that I need a password, instead of a PIN. I have spent more than an hour trying to get information on how I can get a password, using the comanies ' online resources and " help '' or " service '' line. 
Equifax representatives have disconnected me twice, when I finally get in touch with a human who supposedly can help me. 
I can not get an option to speak to a human at XXXX, and their automated options don't include a solution to my problem. XXXX  's online resource, which is the only way that I can contact XXXX, reports that the companyt doesn't have an account with me, based on my DOB and SSN. This is notwithstanding the fact that I have a PIN from XXXX  from 2017, when the freeze was put in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 have made several attemps by sending dispute letters to all XXXX credit bureaus regarding enquiries and negative items on my credit reports. As of today XX/XX/2023 most of these accounts and enquiries are still showing on my credit report. Please remove them asap. I am having difficulties accessing any funding or even getting a job because of this issue. 

I need these companies to remove their accounts from my credit report immediately : XXXX XXXX XXXX XXXX the amount of {$46000.00} XXXX XXXX XXXX  in the amount of {$18000.00} XXXX XXXX XXXX. closed account XXXX XXXX XXXX XXXX XXXX- charged off XXXX XXXX XXXX. closed account XXXX All XXXX XXXX XXXX XXXX XXXXXXXX loans accounts for {$5600.00} - {$8900.00} - {$5700.00} - {$9100.00} And also the enquiries on my credit report aswell, transunion deleted  theirs but the other XXXX bureus did not. 

thank you

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 2020-01-28
Company: ERC
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The company in question is known as ERC located at XXXX XXXX XXXX in XXXX Florida, XXXX. On XX/XX/2020 their office called my home phone ( XXXX ) XXXX. On the third occasion, I answered and they asked for a XXXX who does not nor has ever lived at my home in the 3 years I have had the phone number. I informed the caller that they had the wrong number and that XXXX never has, nor did I know the person they were calling for. On XX/XX/XXXX, I received several more calls and called ERC to speak to a supervisor. I informed them that they had the wrong number again and that I was to be removed from their call list immediately. I was assured that they were going to escalate the request and it would be done within 24 hours. Today, the company once again called my home and I have had enough.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Experian Information Solutions Inc.
State: CT
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have reach out to these institution plus the credit bureaus numerous times to provide me with prove of my authorization and signature for these accounts and Ive not received any response in which this is a violation of my right by law according to CRA section 1681b ( c ). This is stopping me from purchasing a home for my family.

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 2023-03-01
Company: Affirm Holdings, Inc
State: IL
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:
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 any purpose. Also account paid and was suppose to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On XX/XX/2019, I purchased a used truck from my local dealership. I requested my credit information be pulled by my bank as I already had loans through them before. The dealership sent my information off to two other banks that I did not give authorization for. I would like these removed from my credit reports XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, IL XXXX Also, on XX/XX/2019, i was a co-signer for a car loan. The dealership said they would only send my application to two banks as i stressed I did not want my credit report hit multiple times and drop my score. They told me this was no problem. I then got 6 alerts on my phone that an hard inquiry was made and went on my credit report. I asked the dealership why they did this cause I did not give the okay to send my information out to 6 banks for a car loan. I would like these removed as well The inquires are as follows : XXXX XXXX, TX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX 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 2023-02-27
Company: Rocket Mortgage, LLC
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage includes escrow account. Rocket mortgage has refused to pay the taxes on the property that includes the home section of the loan. I have contacted the company several times. They say they have " researched '' the loan documents and this parcel is not included with the loan. They are incorrect. Rocket mortgage has been very difficult to deal with since the inception of this loan. Their paperwork is riddled with errors and rather than do their own research, expect me to gather all of the information and upload it to them. In XXXX, for instance, they tried to charge me for additional insurance because their date of insurance coverage was incorrect in their system. I gathered the pertinent information and sent it in. These documents should have been in their system already. Same thing with the taxes on the property. we quit claim deeded a 2 acre plot from within the property boundaries to our son ( its a house on the property ). Because of this slight change, rocket mortgage will not do their job and check to see that this property is in the original property purchased. I have all documents to back up the problems i have had with Rocket Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: BMW Financial Services NA, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
BMW Financial I've requested in writing multiple times the entire documentation available on the file including interest rate disclosures and copies of payments made and other historical accounting. Company either does not respond or when followed up by telephone says they will get to it eventually. because the items have not been produced in time in accordance with the fcra designer should be removed from my credit since they're not willing to back up their already fictitious filing on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
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: Information belongs to someone else

Complaint:
Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all three credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

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 2023-01-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I TRY TO DISPUTE INFORMATION WITH XXXX, EXPERIAN, XXXX THAT'S NOT TRUE I HAVE DONE EVERYTHING AND STILL NO ONE IS HELPING ME

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-09
Company: World Acceptance Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2019 I obtained a loan from a company called World Finance, located at XXXX XXXX XXXX, XXXX Ga, XXXX. The loan that I received and requested and was also issued a check for was in the amount of {$1200.00}. The transaction was handled in the late evening after a long day of work and upon arrival the office was closing in 10 minutes. The owner of the branch whose name is XXXX, sat down with me and went over my loan paperwork and had me sign. I was clearly aware of the high APR and was also advised that there was no prepayment penalty, later that evening I did a mobile deposit and deposited the check into my bank account. The next day I realized that I no longer wanted this loan and could probably get a better rate elsewhere and made a decision to cancel. I contacted World Finance on XX/XX/2019 at that time I again spoke with XXXX and advised him that I still had the funds and would like to return in full and cancel my loan. He advised me that because I deposited it, I would be unable to do so and would need to pay in full the amount of {$1400.00}. I was shocked as it had not even been a full 72 hours and that for two days I would have to pay almost {$210.00} additional plus what I had borrowed. I realized then that something was not right and that may have been taken advantage of, in my time of need. To avoid any additional fees/fines/interest I went ahead and paid what XXXX had advised me to pay in order to cover the loan. I am fully aware that I signed a contract with an interest rate that is extremely high and abnormal. My concern however is that the additional {$210.00} I had to pay to cover my loan and that I had only had for 3 days was quite excessive and again abnormal. Per the FTC, I was advised to file a complaint with the CFPB. I am really hoping that someone will take a look into this. If it happened to me I am sure it has happened to so many others. I blame myself for putting myself in a situation where I would have to pay back a loan double than what I received what I didn't realize is the fees associated with it, that would be assessed within just 3 days of having the loan. This has to be illegal. Attached you will see all my loan documents, the check that was issued to me and the confirmation of the amount that was paid to world Finance by me. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: EQUIFAX, 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: Account status incorrect

Complaint:
THE DISPUTED ACCOUNT IS AN ACCOUNT THAT HAS BEEN PAID IN FULL AND IT IS REPORTING AS A DEROGATORY ON MY CREDIT FILE. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT FILE BECAUSE IT HAS BEEN CAUSING TREMENDOUS DAMAGE TO MY NAME AND CREDIT FILE. THE ACCOUNT INFO IS XXXX XXXX FOR {$78.00}. ATTACHED WILL BE THE PROOF OF PAYMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
THE DISPUTED ACCOUNT IS AN ACCOUNT THAT HAS BEEN PAID IN FULL AND IT IS REPORTING AS A DEROGATORY ON MY CREDIT FILE. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT FILE BECAUSE IT HAS BEEN CAUSING TREMENDOUS DAMAGE TO MY NAME AND CREDIT FILE. THE ACCOUNT INFO IS XXXX XXXX FOR {$78.00}. ATTACHED WILL BE THE PROOF OF PAYMENT.

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 2019-11-09
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: Account status incorrect

Complaint:
THE DISPUTED ACCOUNT IS AN ACCOUNT THAT HAS BEEN PAID IN FULL AND IT IS REPORTING AS A DEROGATORY ON MY CREDIT FILE. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT FILE BECAUSE IT HAS BEEN CAUSING TREMENDOUS DAMAGE TO MY NAME AND CREDIT FILE. THE ACCOUNT INFO IS XXXX XXXX FOR {$78.00}. ATTACHED WILL BE THE PROOF OF PAYMENT.

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 2023-06-25
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
After further research on my mortgage I found out that the company that I signed the promisorry note with XXXX XXXX is a dead company is inactive through the secretary State and XXXX XXXX transfered my loan illigally to US BANK MORTGAGE without my knowledge cause I never contracted with US BANK MORTGAGE.I filed a lawsuit to make the bank provide the original promissory note .They did not .They never provided it 3 days before the case could be defaulted the bank requested a transfer of case by their lawyers .A way to manipulate the system XXXXA way of getting more privilege with the court they are well known. 

US BANK Lawyers has illegally transfered the court case where they can be favored. 

US BANK MORTGAGE buying mortgages and foreclosing on homeowners who are actually the righful owner of their home. 

Homeowners are protected under the consumer law .Its illegal for any Banks to foreclose on anybody 's home.

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 2019-05-25
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I opened an account with Coinbase to buy cryptocurrency last month. I invested and deposited around XXXX $ in the Coinbase exchange and in XX/XX/XXXX Coinbase blocked my account and asked for some bank statement and ID card for verification. Its now almost two weeks and my account is still blocked and I have no access to my hard earned money which is stuck in their account. I called them 16 times and they keep telling me to wait. I have XXXX kids and have to run my personal expenses but I can not as my money is locked in their system and I have no way of getting my money back from Coinbase .i am loosing money everyday because the trade I did is now hanging in Coinbase with me no access to my account. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a US Treasury check on XX/XX/XXXX and it has not been posted to my account even though it is required to be next day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TD BANK NO ESTA CUMPLIENDO CON XXXX POLTICAS DE {$0.00} XXXX DE XXXX A XXXX XXXX DE XXXX DE XXXX XXXX QUE XXXX XXXX DE XXXX XXXX QUE MI XXXX XXXX XXXX XXXX A MI XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX QUE FUE XXXX DE MI XXXX DE XXXX XXXX XXXX XXXX XXXX A VER VISTO EN XXXX XXXX QUE REALICE XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX DE MI XXXX DE XXXX XXXX AL XXXX XXXX XXXX DE XXXX AL XXXX DE XXXX XXXX DE QUE HABIA ACTIVIDADES XXXX XXXX MI XXXX DE CHEQUE XXXX DE XXXX AL XXXX TD BANK PARA CANCELAR Y REPORTAR XXXX XXXX QUE XXXX XXXX DE XXXX XXXX XXXX PROCED A CAMBIAR XXXX XXXX DE XXXX PERSONAL YA QUE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX QUE DICE QUE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX PERSONAL QUE XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX DE XXXX PERSONAS Y YO XXXX XXXX DE XXXX XXXX XXXX XXXX XXXX QUE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE SER PROTEGIDO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CUMPLIR CON LA XXXX DE {$0.00} XXXX DE XXXX A XXXX CLIENTES DE TD BANK. XXXX XXXX XXXX XXXX. 

XXXX DE XXXX XXXX {$5400.00} XXXX NMERO DE XXXX {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
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: Account information incorrect

Complaint:
There is wrong, inaccurate, fraudulent information being reported 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 2018-04-21
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX recently placed two ( 2 ) collection accounts on my credit reports claiming account # XXXX., ( Credit limit or original amount {$1900.00}, opened XX/XX/XXXX '' ) and account # XXXX., ( Credit limit or original amount {$1900.00}, opened XX/XX/XXXX ). 

I have sent four ( 4 ) certified letters asking XXXX XXXX to provide me with a copy of any viable evidence, bearing my signature, showing the accounts are being reported accurately. 

The information they are sending to me does not show any proof that these debts are mine. What they send has my name on it with purchases I have not made, and there is nothing with my signature or social security number on it. I also sent certified letters disputing these debts to the Credit Bureaus but they also state they are valid.

Company response to consumer: Closed with explanation