BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-23
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credence Resource Management LLC sent me a debt collection letter for an alleged debt I do not owe. When I called and spoke with them they were rude and hostile which is a flagrant violation of the Fair Debt Collections Practices Act. I have never heard of Credence Resource Management LLC nor do I owe them any alleged debt. I do n't want any further communication from them in any form. Their hostile debt collection tactics are flagrant violations of the Fair Debt Collections Practices Act.

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 2022-08-31
Company: U.S. Auto Sales Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is a warning notice to the alleged violator of such debt. After an extensive review of my consumer report I noticed I have violated pursuant to the FDCPA ( Fair Debt Collection Practices Act ). There is evidence of the use of subside, deceptive and unfair debt collection practices. Not only did you furnish this information to the reporting agencies without my consent, nor did you take the proper steps to verify that this information is accurate. Which is it NOT! 15 USC 1681s-2 You also listed this alleged debt as a charge off. How can you collect on a cancelled debt that is also considered income? Also, income should not go on a consumer report at all. This also means that you filed this as a loss with the IRS and received compensation for it. This also means that I should have received sa 1099 to file, BUT I DIDN NOT! This is a violation of 26 USC 61-64. I also never received a notice that this information would be furnished on my report. You are supposed to contact me within 30 days, no later before furnishing the negative remarks. This is not all, but just s few of the violations that I am bringing to you US AUTO FINANCE XXXX XXXX and the CFPBs attention. 

I am requesting to be provided with the written contract between me and you US AUTO FINANCE XXXX  XXXX giving you the right to access my personal information and to also furnish this information. I would also like the original written contract with myself and US AUTO SALES. I will also need a full audit trail. I am needing the actual physical documentations to support the information that is being reported on my consumer report. Screenshots and statements will not suffice. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect that the item in question will be permanently expunged from my record : Best Regards, Done in good faith. Without prejudice. All natural inalienable rights reserved. 
XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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 have had multiple inquiries ran on XX/XX/XXXX from a car dealership called in XXXX XXXX XXXX California. The dealership has been reported to the FTC as well as a police report. The creditor of the vehicle says the social associated with the vehicle is not mine, yet my social was the one listed and used at the dealership to obtain the hard inquiries that qualified the said person XXXX XXXX XXXX for a loan. My name is XXXX XXXX XXXX. It is believed that my husband with the same estranged name first and last applied for the loan using my social security number and XXXX believes it is my account info when it is not. Capital one over the phone has refused to send me a letter that I am not responsible for the loan but stated it is not mine and that they can not send me proof of the mistake for the credit bureau. The detective in new jersey, XXXX is supposed to contact the dealer. The dealer who ran these inquiries in XXXX XXXX is XXXX XXXX XXXX XXXX XXXX in XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX The phone number where the seller who is believed to have ran my social in a transaction that isn't mine is XXXX XXXX XXXX. 

The vin number for the vehicle is XXXX The model and make of the vehicle is a XXXX XXXX XXXXt. 
I have tried to contact the credit bureaus and frozen my account, I need to know how the dealership obtained my social without consent and put that it is my vehicle on a credit report without ever speaking to me.. 
My accounts have been frozen and fraud and security breach has been reported. I still want to know how this occurred and how to correct it. 
I noticed my address was changed on experian to XXXX XXXX, XXXX XXXX, XXXX which is a confirmed address of my estranged husband. I think he used my social security number at a dealership to falsely be approved for a car loan that he is already 88 days late with and now is on my credit report as me. I suspect this to be fraud and I want to know who has my information in the breach of security and consumer rights. Please contact the dealership and myself. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Scott Fetzer Financial Group Inc.
State: IL
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 United Consumer account is not mine, my ex husband and his mistress forged this account in XXXX when i found out about the account I contacted the police and United Consumer Financial services and have been battling for over 3 years to get this account off me. I hired XXXX XXXX to help me and they submitted a challenge to XXXX to request the contract because they will not provide to me. XXXX went and updated a closed account as delinquent when it was paid off in XX/XX/2019 and dropped my credit score XXXX points.. This is wrong and how are they reporting an account delinquent when its been paid off and closed since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Experian Information Solutions Inc.
State: KS
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:
Im not sure but my ssn was compromised somehow. I have received notices in regards to an Experian data leak and Im aware that me using unsecured Wi-F connections may have made my personal information open to identity thieves. I am a victim of of identity theft fraud. I have notified the connections agencies/original creditors several times. I have not in any way received goods or services from these companies and I have provided my law enforcement report from the Federal Trades Commission. Documents have been submitted to all bureaus.

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 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
In accordance with the Fair Credit Recoding Act. The List of account i have provided below has violated my Federally Protected Consumer Rights to privacy and confidentiality under { 15 USC 1681 } XXXX XXXX XXXX XXXX : Account # XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 
XXXX & XXXX : Acct # XXXX, XXXX has violated my rights. 
XXXX XXXX : ACCOUNT # XXXX, XXXX, XXXX has violated my rights. 

{ 15 U.S.C. 1681 } Section 602 A. States : I have the rights to privacy.

{ 15 U.S.C. 1681 } Section 604 A. Section 2. 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 Items '' 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 ) States 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 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 2017-06-23
Company: Coinbase, Inc.
State: VT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I sold XXXXEthereum on Coinbase on XXXX XXXX at XXXX for XXXX $ US Dollars and the money went into my USD Wallet on Coinbase at exactly the same time at XXXX. At XXXX on the same day I clicked to withdrew my funds from my USD Wallet that contained XXXX $ US Dollars to my XXXX XXXX  checking account ; provided I had already setup payment methods before. On the USD Wallet transactions page it showed that my transaction was " completed '' .I gave 2-3 business days for the money to arrive to my checking account on my XXXX XXXX account. The screen then told me that my money would arrive by the " end of the day on Saturday XXXX XXXX ''. I filed XXXX emails before and after that given time as my money did not appear but on Coinbase their transaction was " completed ''. I re-checked my account and learned that under the " History '' tab my transaction was still " pending ''. During this time I reached out to the community forums as well as Coinbase support to figure out the issue but all I got was automated response emails. It is now XXXX XXXX of XXXX and my XXXX $ Still has not been deposited into my checking account. I want this issue to be solved but so far I have received absolutely no support from their support page and I learned that this happened to thousands of other people as well. I would like to close my account and never use their service again but still cling to the " hope '' that my money will be deposited. This is unacceptable and should be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
My husband and I took a flight on XXXX XXXX and we were given a promotional brochure for a BarclaysXXXX XXXXXXXX XXXX credit card ( see attached ). The brochure clearly states that the introductory fee is {$0.00} for the first year and then {$99.00}. We opened an account in XXXX using the promo code on the back of the brochure. When we received our first month 's bill we were charged {$99.00}. I called ( XXXX ) to dispute this charge and spent several hours on the phone with them. They insisted that the card was not free even though I had the documentation to prove it. I spoke to several customer service reps and managers after the initial call ( 4 - 5 different reps from XXXX - XXXX ) and they claim that they could not waive the fee that they charged me. In XXXX, a XXXX opened up a case to investigate this. I sent them all of my documentation and still have not gotten the {$99.00} returned to me. This is clearly false advertising. We have researched this and it seems to be a common problem with other consumers. Barclays is not honoring their offer. This is false advertising and they should stop handing out these brochures on XXXX XXXX flights.

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 monetary relief
Consumer complaint received 2021-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
After filing a complaint with Consumer Financial Protection Bureau, Bank of America sent my complaint to their Debt Collection department despite my credit card account being current and I have paid as agreed. Bank of America sent me a letter indicating they would notify 3 credit bureaus I disagree with the disputed amount at the same time they indicated my dispute was going into arbitration with visa and they would fight on my behalf.

We've contacted the credit reporting agencies below to add a comment to your credit report stating you disagree with our decision on your claim. Please keep in mind it may take up to 60 days for the comment to appear on your credit file.

Attached are calls with Bank of America Representatives On XX/XX/XXXX On a call I was advised would be recorded by BOA ; I was told by BOA Claims Supervisor XXXX & BOA Claims Manager XXXX, that my case was in Arbitration and Bank of America does not make the decision of when the claim could be resolved. XXXX advised We ( BOA ) will present our facts so we are arbitrating to Visa why we would like this chargeback to the company and be refunded, and once visa reviewed the case, they will make a ruling. XXXX advised while you are disputing the charge you are not responsible for this part of the balance so I can minus {$1000.00} from my total balance.Claims Supervisor XXXX was very kind and professional however I wanted to speak with a Claims Manager regarding the merchant transaction remaining on my statement while the transaction is in arbitration when I am not expected to pay it. I wanted to get a better understanding of BOA Standard Operating Procedures. 

After Escalation to Bank of America Executive Client Advocacy Group On XX/XX/XXXX During a call I was advised would be recorded ; XXXX from Bank of America Executive Client Advocacy Group communicated my claim had been closed and she was sorry.

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 2017-06-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX is reporting a debt by a company named XXXX XXXX. I have never done business with this company before, I have no signed contract with this company. I am not liable for this debt in the amount of {$140.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: FIRST CITIZENS BANCSHARES, INC.
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
We have a joint XXXX XXXX XXXX XXXX Account with CIT bank. It was designed as a variable high yield savings account with rates historically of 1.4-2 % APY that we have had since XXXX. However since XX/XX/XXXX it has remain fixed at 0.25 % despite recent rate increases in similar products. I did not receive any notification of this becoming the essentially a low fixed rate account similar to their eChecking or more basic products. When I noticed that they continue to hold this supposedly variable APY account at 0.25 %, I called for an explanation. When I spoke with CIT bank today for an explanation, the representative instead of addressing the issue or attempting to rectify it, instead she tried to sell me another product with what the original terms of the Premier High Yield account had been. On questioning, she confirmed that this was still a variable interest saving account and that there was no deposit amount or monthly transfer requirement that I did not meet to trigger this 0.25 % APY but instead the bank " has held this at 0.25 % for all deposited amounts for all accounts '' whether it is XXXX deposited or XXXX XXXX dollars. I believe they have violated their terms of offering a high yield variable savings account and without notification changed this to a low yield fixed savings account. I believe CIT bank owes me back additional interest plus compounding since at least XX/XX/XXXX on essentially a " bait and switch '' tactic.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-11
Company: EQUIFAX, INC.
State: AZ
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: Was not notified of investigation status or results

Complaint:
This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XXXX  2021 which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I believe Bayview Loan Servicing, LLC., is trying to take my home form me. I currently owe less than XXXX XXXX dollars. So, in less than 4 years my home will be paid for. Approximately 2 weeks before being switched to this company, XXXX XXXX   notified me that my mortgage was sold to Bayview Loan Servicing LLC in XXXX XXXX, Florida. The sale occurred in the middle of XXXX, XXXX. Because of my impending divorce and my husbands refusal to abide by the judges ruling, ( mandated XX/XX/2019 XXXX, that he continue to pay the mortgage, I fell 3 months behind in paying my mortgage. The house is only deeded in my name. After being charged with contempt, out of fear, my husband began making partial payments in XXXX, but to date he still owes for mortgage payments in arrears. Albeit, the last two payments he has made have been full payments. 

The representative from Bayview who I was assigned to me is, XXXX XXXX. She is an unprofessional mean-spirited liar. She has failed to communicate with me even when I have made appointments to speak with her via telephone. I have made five appointments that she has not adhered to. Then she lied and said she called, but there was something wrong with my phone. She refuses to answer her business phone when I call. She rejects my email messages. she has lied, stating that I made repayment agreements I never consented to. She has sent me documents with erroneous information in it and tried to get me to sign those fabricated documents. She has refused to offer me more than one repayment option on the back-mortgage amount I still owe. I have asked Customer Service for a different loan officer, but my request has been ignored. I am beginning to believe that she is the only women working at that company. 

Yesterday, XX/XX/1019, my husband made two full back payments. But although Bayview listed both payments on my statement for XXXX, they only credited my account for one of those payments. At this point, I owe less than XXXX dollars in back mortgage payments. If the payment that I wasnt credited for was added to my account, I would owe less than {$3000.00} dollars. So, today, XX/XX/2019, I tried to make a partial payment of {$1500.00} dollars via Bayviews website. That way I would be completely caught up before the end of XXXX. I was informed that I could not make a payment. Furthermore, I was informed that before I make any future payments, I must consult with XXXX XXXX XXXX. There is something very sinister about that company, and there are plenty of negative reviews online and requests by disenchanted consumers to start a class action suit against the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
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:
For the past 4 months ( i.e., XXXX, XXXX, XXXX and XX/XX/2022 ) my credit report has incurred random inquiries that I did not authorize or initiate. They appear across all XXXX credit reporting agencies ( i.e., Trans Union, XXXX and XXXX ) none of which I initiated. Examples of these institutions include XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX Bank just to name a few. These inquiries have happened multiple times over the course of months. In XXXX my credit score declined XXXX points alone from these fraudulent inquires. All of the aforementioned institutions appeared on my credit report as inquiries in XXXX alone. This is detrimental to my credit score and a targeted attack against me. My credit score in XXXX was XXXX ; I have since put a freeze into place with the reporting agencies, but these inquiries need to be removed and blocked from future occurrences.

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 2022-08-31
Company: Minto Financial dba Minto Money
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I applied for this payday loan.I want to pay off the loan to avoid the high interest but I can not come tact them and the amount they are taking out weekly is so much I can not pay my rent and bills

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
Company: Aargon Agency, Inc.
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am NOT in the collections process for ANY of my current debt. If I am, No One has made me aware of it. I have been getting these calls Only on my cell phone and very few people have my cell number as it is only used for an emergency or very few personal calls. If it were a legitimate debt then they would be contacting my by other methods as well, not just my cell number The calls have been coming in for about 4 weeks now and are from Aargon Agency telling me to call the person stating " They are a debt collector '' and to call XXXX and ask for extension XXXX. I have Not returned the calls and do not plan to without first hand knowledge of whom I am in collections for.

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