BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-14
Company: NCB Management Services Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent 3 certified letters to this company, dating back to late XXXX, disputing this alleged account. I have asked them to provide competent evidence, bearing my signature, that I am contractually obligated to pay this alleged amount. I also have written correspondence from this company stating they are unable to verify the debt as mine and unable to produce any competent evidence, bearing my signature, that I am contractually obligated to pay this alleged account. 

Therefore, it is unverifiable information and per the FCRA and FDCPA, any information that is unverifiable should be removed or corrected. 

I do not recognize this account. All I asked is for this company to verify that this debt actually belongs to me and is my duty to pay- which they have failed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
A fraudulent account and my rights and privacy have been violated. 

Made an uninformed decision when agreed on XX/XX/XXXX. I didn't understand, clearly what I was agreeing to, it wasn't clear and conspicuous to me. There were supposed to be 2 consenting parties. According to 15 USC 1601 ( a ) There was no evidence of indebtedness unless agreed upon when entering into this agreement. Therefore, making an uninformed decision. According to 15 USC 1602 ( g ) Adequate notice wasn't given to me. According to 15 USC 1602 ( k ) Violating my right to privacy and I never gave written instructions for Nissan to report on my consumer report. According to 15 USC 1681 ( a ) ( 3, ) ( 4 ) This has been causing stress and anxiety. It's been reporting on my consumer report for over 7 years, the closing date is invalid. This if fraud I asked for full disclosure and the accounting ledger on a hand written letter/ notice. 

Presented in a handwritten letter. 

Sent a certified letter to Nissan Motor Acceptance on XX/XX/XXXX at approximately XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: Experian Information Solutions Inc.
State: VA
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 Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2020-10-22
Company: EQUIFAX, INC.
State: VA
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 Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: Data Search NY, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
So you are aware, we are paying on this debt. One month was owed that we accidentally skipped, and my husband made payments, today after I told him what happened. 
Our XXXX XXXX XXXX 's credit card apparently went to collections - this is my husband 's card, mind you, not mine - and a XXXX XXXX  ( spelling? ) from the company TrakAmerica, called ME AT WORK asking for me to call them back at ( XXXX ) a number that took me to XXXX 's credit card company. When I spoke to a representative, I told him that I was complaining about the company calling me at work. He said he found us in the system, using my husband 's cell phone number XXXX the one that is in collections XXXX, and said he can't discuss it at all to anyone and that I needed to call XXXX, which is TrakAmerica 's number. XXXX 's couldn't even find my work number when I asked him to search that way. I am furious that they called ME and it's not even my card AT WORK, which they were never given permission to do. This is harassment and I wanted to file a complaint report against TrakAmerica.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Coinbase, Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I've been trying to recover coinbase crypto currency for months sending multiple emails and constantly trying to reach someone in there help department. All email from their support have been unless and no one has contacted me about recovering my account or with any expectations on where my money went. I am missing hundreds of not thousands of dollars and no one will return an email. I provided transaction ID # to coinbase from my banks information and yet it's been over six months and I still have not received any emails telling me how to recover my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
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 status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I HAVE TRIED TO DISPUTE WITH CREDIT REPORTING AGNECIES FOR OVER SIX MONTHS NOW I GET NOTHING BUT BOGUS REPLIES EVEN THROUGH HERE STATING THAT THEY HAVENT GOTTEN ANY DISPUTES THATS AN ABSOLUTE LIE BECAUSE I GET MAIL STATING THE ACCOUNT WAS VERIED ACCURATE HOW IS THAT. I HAVE BEEN TREATED UNFAIR AND I WILL NOT TOLERATE THIS BEHAVIOR ANY LONGER SO THERE YOU GO BELOW ATTACHED MY BANK STATEMENTS THAT PROVE THAT I HAVE BEING LIED TO AND HAVE HAD MY RIGHTS VIOLATED MONTLY BY YALL. I HAVE NOT ONLY NOT BEING LATE BUT ALSO PAID AHEAD FOR MULTIPLE TIMES AND NOT GIVEN ANY CREDIT WHAT ELSE DO YOU NEED. AND PLEASE DONT JUST REPLY TO SUBMIT A DISPUTE I HAVE DONE THAT CLEARLY FOR MONTHS.

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 2020-10-22
Company: AMERICAN ADVISORS GROUP
State: OR
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
Hi! Thanx for this opportunity. The company AAG ( and its servicing office Reverse Mortgage Servicing Department are not responsive to a simple request for an account statement. The company does not offer on-line access despite the fact that assurance was given from the first moment of the application process through closing. The company and servicing center give inaccurate information, conflicting information from many representatives, does not returns calls as promised and has no way to request an e-mail with an account statement without up to a ten-day delay. I have spent over three hours on the phone attempting to secure a statement. I have no options remaining and wish to file a complaint about both offices. Please let me know how to proceed. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: FIFTH THIRD FINANCIAL CORPORATION
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:
To whom it may concern, I have a mortgage loan with Fifth Third Bank. 
I received a COVID forbearance which started XX/XX/XXXX and ended on XX/XX/XXXX. 

Once the forbearance ended, I resumed my monthly mortgage payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also made the XXXX payment today. 

Despite resuming payments and PAYING MY MORTGAGE ON TIME and also completing loan modification documents, I was reported delinquent by 180 days to the major credit bureaus. 
Ultimately the report of delinquency IS false. The result of this false report has been devastating. 

To elaborate, I need to buy a new car, but i am being denied credit because I was reported delinquent on my mortgage which again is untrue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-30
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
SOMEONE IN THE XXXX  AREA HAS USED MY INFORMATION OPENING ACCOUNTS AND USING MY NAME TO BUY THINGS I LIVE IN THE XXXX AREA I HAVE NEVER LIVED IN THE XXXX AREA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: ENCORE CAPITAL GROUP INC.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have reached out to the company on multiple occasions to verify the debt. They will not be send anything to verify but threaten and harass me with phone calls after contacting them. They call several times a day, back to back but will not verify the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20
Company: EQUIFAX, INC.
State: LA
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:
Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap XXXX XXXX XXXX****, XXXX XXXX****, XXXX XXXX    (Original Creditor: XXXX XXXX) XXXX****, XXXX    (Original Creditor: XXXX XXXX) XXXX****, XXXX XXXX  (Original Creditor: XXXX XXXX) XXXX**** ,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-22
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I do not know what is going on with my servicer Mr. Cooper. I thought I was in Forbearance during the COVID 19 Crisis. 
In XXXX I received a curious letter from Mr. Cooper stating that my loan modification paperwork was being reviewed and that all the documents I submitted to them were Receive. Problem Is I never sent them anything. Also I never received an answer from Mr. Cooper if the Loan Modification was approved.

This aroused my curiosity and I did some research and found that Mr. Cooper was disciplined by you the CFPB in XXXX for sending inaccurate paperwork and reporting on their loans that they serviced. 
I also found out that in XX/XX/XXXX The Board of Governors of the Federal Reserve Issued statements for the Services and banks to work with customers on loan modifications including reinstating established loan modifications. 
I believe that Mr. Cooper is creating this paperwork to show the FED that they are working with customers when they actually are not. I ask that you investigate this matter ( see attached Complaint letter set to Mr. COOPER

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of identity theft. I also fear that debt collection agencies are violating my consumer rights by selling my information or fraudulent debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: LEXISNEXIS
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On or round XX/XX/2023, I submitted an online request with proper identification to LexisNexis to obtain my credit report/file. Instead of granting access to my consumer file Lexis Nexis immediately denied my request claimed I did not submit identification. 

According to my records l filed a complaint against LexisNexis with CFPB for this very same deceptive business practices. 

I am asking CFPB to enact of enforce law preventing consumer reporting agencies to delay or deny consumers access to consumer reporting forcing consumer to write to government agencies to gain access to said reports. 

LexisNexis is purposely denying consumer report/file to conceal this company has illegally re-inserted previously disputed inaccurate data and credit information to consumer report. 

LexisNexis re-inserting previous disputed inaccurate information that was removed from consumer report is intentionally lowering consumers credit scores and denying lending opportunities. I believe Lexis-Nexis is targeting American of XXXX XXXX  with this practice of reinsertion of disputed inaccurate information on consumer report to intentionally lower credit scores and I requesting an investigation to this deceptive business practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: CORELOGIC INC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Following a credit denial letter from my mortgage holder, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX CA XXXX. Phone XXXX on XX/XX/2020. I contacted the main source of the derogatory report, Core Logic Credco of XXXX XXXX XXXX, XXXX XXXX CA XXXX on XX/XX/2020. 
Based on an FTC document, Core Logic Credco provides supplemental information to the major credit reporting companies and is required to provide consumers a copy of any report used in a credit decision by its customers. 
I identified myself to the Corelogic Credco agent as a requirement for receipt of the report and after this the agent demanded access to my Consumer Credit file. I refused and the agent in turn denied me the report.

I am uncertain about the legitimacy of this arrangement because credit inquiries will negatively impact a credit score so why is the source of consumer credit transactions trying to downgrade my credit? 
I demand a copy of the information they claim to have on me. I have given Corelogic Credco my PII including my social security number and now I am concerned. 
Thank you for any help in this matter.

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 2022-03-03
Company: EQUIFAX, 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:
MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT AND REQUES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: EQUIFAX, INC.
State: VA
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 is the several time I've complained about being a victim of identity theft. You must remove/block the items that were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX, VA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX PROF DEBT XXXX Balance Owed : {$300.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$280.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$540.00} XXXX XXXXXXXX Balance Owed : {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: NJ
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am XXXX XXXX, and I hereby submit a CFPB Complaint in response to your recent investigation. Your findings are unacceptable and demand absolute accuracy. It is evident that not enough was done to effectively reach out to the creditors reporting inaccurate information on my report. I demand immediate and comprehensive information on these items in question. Your failure to address this matter with utmost urgency will not be tolerated. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} - It has come to my attention that this charge off account with a XXXX balance is still being reported on my credit file. As this account have already been paid in full, I demand that you investigate and remove the charge off status to prevent further harm to my credit score. 

XXXX XXXX XXXX XXXX Balance : {$0.00} - I need to dispute charge off this account that is still being reported on my credit file with a XXXX balance. This account have been paid off in full, and I request that you investigate and remove the charge off status as it is negatively impacting my credit score. I also request a detailed report of the steps taken to correct the inaccuracies on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Experian Information Solutions Inc.
State: MD
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 is the several time I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2017-04-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have reached out to the credit bureaus about a car loan that is showing up on my credit report. I have contacted the creditor and submitted documents to them as well advising them that this was fraud and my identity was stolen. They have been cursing me out and hanging the phone up in my face. I need to have this {$20000.00} car loan taken off of my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: WELLS FARGO & COMPANY
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
wells fargo claims I have an installment loan. I do not. I closed by accounts at Wells Fargo years ago. It refuses to do anything about this unless I disclose private information to which it is not entitled. I want the bank to correct its error and to never contact me again.

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