BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-09
Company: Servis One, Inc., Titusville, PA Branch
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX has another ridiculous excuse not to do the modification on my loan. The first go around they were going to use gross income, actually gross is what they asked for on the application, but now they are not. They will only use {$400.00} out of {$1300.00} of my mothers Social Security. The reason is my mother must have prescription drugs she has to pay for on a monthly basis. True, she pays {$15.00} a month for her XXXX prescriptions, because she has prescription coverage with her Social Security. This is no reason not to use the full amount of income or at least the {$1200.00} my mother contributes monthly to our household. They only add just enough of my mothers income to keep the ratio over the percent needed to modify. They have tried everything including mistakes, not to do the modification of this overinflated loan and their added high-interest rate. Now they are moving forward to foreclosure and proceed with the sale. I sense some " age discrimination, '' or they are XXXX and can plan my mothers XXXX because XXXX said my mothers income is not secure. Well, my mothers Grandmother lived to a young secure age of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: EQUIFAX, 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 need you to investigate the following accounts you claim to be accurate on my credit file XXXX Miscellaneous Reptg. XXXX XX/XX/XXXX Equifax XXXX Personal Loans Companies XX/XX/XXXX Equifax XXXX All Banks XX/XX/XXXX Equifax Please show me detail documentation including an application signed by me otherwise delete this unverifiable inquiry from my credit file. 

After you finish my request, send me an updated report Thank you, 15 U.S.C 1681G Law violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: AFNI INC.
State: ID
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:
AFNI INC has been placed on y credit as a collection account for the amount if {$5000.00} Acct # XXXX that has been disputed and report to FTC and CFPB and police report was filed. I t was removed and it now has been report it to my XXXX  credit report, This account is fraud and im requesting it be removed from XXXX credit report. f

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: United Revenue Corporation
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was not made aware of this medical debt & Im very unaware of this debt. This needs to be removed off my credit due to this XXXX XXXX not sending or contacting me regarding this medical debt. They have violated the Law by not Sending me an notice about the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: FIRST ADVANTAGE CORPORATION
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XXXX, XXXX 2016 I was charged with a misdemeanor and had to pay a diversion fee of only {$200.00} and received no jail time. My background check states that I was sentenced to 45 days in XXXX and was on XXXX for 2 years and was charged {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
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: Information belongs to someone else

Complaint:
I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with 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 non-monetary relief
Consumer complaint received 2018-01-09
Company: ENOVA INTERNATIONAL, INC.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Borrowed {$6000.00} personal loan for major purchase. Company deducted XXXX in two weeks. For the purpose of paying loan off early to avoid 35+ interest, I made a payment of {$1000.00} towards my balance on Friday and received confirmation that the payment would be deducted from my account on the following Monday ( XXXX ) Saturday I attempted to pay an additional {$500.00} only to discover that the {$1000.00} was not listed but an amount of {$440.00}. I added the {$500.00} in addition {$550.00} to bring amount to {$1500.00}. I checked the account again on Sunday XXXX, XXXX and the amount was changed and I adjusted it again to say {$1500.00} is scheduled for payment on XXXX. To my horror on Monday, the company deducted 3 separate payments out of my account paying themselves {$130.00} in interests when my payment is due XXXX XXXX, XXXX via which I planned to pay as scheduled. The company deducted a total of 2 monthly payments of {$220.00} and then added the remainder of the funds {$1000.00} to my principle amount. To add further insult, they have me scheduled for the next payment next month on XXXX XXXX, XXXX. I spoke with representative who states that the system " generates '' payment activity. The agent actually tried to justify this scenario.and stated that this would occur when I submitted the next monetary large amount that it would be reflect the XXXX payment in the same way!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
On XX/XX/2019, XXXX XXXX XXXX add a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/ sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.

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 2019-09-09
Company: ALLY FINANCIAL INC.
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Opened case a year ago. This has been on my credit report for over 11 years seriously effecting my credit. It should have been only 7 years to clear it off but yet is still reporting making everything cost more.

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 2019-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Transunion I'm sorry But you Guys are in major Violation Of the FCRA. after reviewing my credit report with my lawyer today and he Pointed out some Violation that I had Missed I need you to take a look at what you are reporting on a XXXX XXXX XXXX credit file account # XXXX you are reporting a Charged off account with a past due amount OF XXXX on a charge off how is this possible please explain? Violation 2 ) the account is reporting a balance of {$5400.00} this CAN NOT REPORT THIS WAY XXXX XXXX XXXX HAS SOLD THE ACCOUNT ONLY THE 3RD PARTY IS ALLOWED TO REPORT THE BLANCE.. ALSO YOU ARE NOT REPORTING WHO THE ACCOUNT WAS SOLD TO SO TRANSUNION I'M GOING TO NEED YOU TO DELETE THIS ACCOUNT IMMEDIATELY! THANK YOU FOR YOUR COOPERATION FCRA IS VERY VERY CLEAR ABOUT THIS

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 2021-09-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern, and I requested a complete payment history of this account for me to review the exact date on which the collection was posted. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. REMOVE IT FROM MY REPORT IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-30
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: Account information incorrect

Complaint:
Every time I try to access my account online using Eqifax it ask me these questions that they say are on my consumer report and I FAIL EVERYTIME!! I KNOW WHO I'VE HAD A LOAN WITH. NOBODY!! I KNOW WHEN I GOT A MORTGAGE LOAN. NEVER!! I KNOW WHEN I GOT A RETAIL CREDIT CARD. NEVER!! SOMEBODY NEEDS TO FIX MY CONSUMER REPORT BECAUSE AFTER A MONTH OF ANSWERING NONE OF THE ABOVE TO ALL THE QUESTIONS AND THEY TELLING ME IT'S INCORRECT IS REALLY TWERKING MY MELON!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XXXX XXXX I rented an apartment from XXXX XXXX in XXXX Ga. I initially paid six months upfront and every month I was never late. I stayed there from XXXX XXXX to XXXX XXXX. In months prior to me moving out I have made and requested several request for them to get an exterminator to come because my apartment was having pest problems due to surrounding neighbors such as ; bed bugs and roaches and no given point did they ever send anyone to help me in which I had to pay out of pocket at which I was paying an added amount with my rent for extermination. I called again requesting that they send someone due to the continuous leaking problem that was coming from the upstairs unit. they fixed the leakage but never the water damage that occurred to the carpet, doors and walls. at this point my living condition was in humane in which I decided to move out. a letter was sent to my door in XXXX advising that my lease was up for renewal in XXXX, I wrote a letter and gave I to them advising that I will not be renewing my lease and I will be leaving out on XXXX the XXXX in which I did. after a month they sent me a letter that I owed them nearly {$3000.00} in which is not correct. I paid them their money for XXXX and I do not owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2021 I logged in to website with the intention of paying the entire balance of the card. I chose payments, and then chose the full amount due. I successfully paid the balance owed. Then, the company charges me interest on a balance that they say was remaining, even thought the pay if full balance was paid. Unknown to me, they charged this interest of approx. {$19.00}. Then a late fee, then more interest-bringing a balance owed to {$43.00} -- again I had no idea of any of this and understood my account was paid in full -using their drop down payment options. I was completely unaware of any of this until I was notified by my credit score watching app. My credit was dinged significantly-do to their issue with their online information-I received this notification on XXXX-I logged in and paid this egregious amount immediately. They should not offer online balance in full options, if they do not intend to honor the number they provide.

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 2018-01-09
Company: ERC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX continues to attempt to collect a debt in the amount of {$73.00} that was a result of identity theft. I disputed with them and the credit bureaus. sent both the collection agency and bureaus a formal request and the police report asking that the item be removed from my credit reports. It was deleted but recently readded without notice and caused me to be denied for credit. I have suffered damages because of this and asking you to assist in properly addressing the matter and resolving it immediately. This is a violation of the FDCPA and the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
Company: The CBE Group, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I closed my XXXX XXXX XXXX XXXX XXXX account ( XXXX ) in XX/XX/XXXX on good terms after years of service and paying bills on time. In XX/XX/XXXX after moving out of state, I started receiving calls from debt collectors about an outstanding balance ( ~XXXX $ ). After arguing with the debt collectors I waited on hold for a good while to speak with XXXX. For a while they convinced me my identify was stolen and I began pursing that. After a few hours I realized it was n't that bad and they just never closed my account and continued billing me. I called XXXX and waited on hold again to speak with someone who had the recording of the call where my wife closed the account on good terms. They needed to take time to review this 2 minute call and called me back some time later and said that I had XXXX balance and they would resolve this issue with the debt collectors ( this was XX/XX/XXXX ). Today, ( XX/XX/XXXX ) I received another call from debt collectors about the same debt that I supposedly had resolved with half a days effort. I called XXXX again and now they claim I have a ~XXXX $ balance and will not contact the collection agency regarding the erroneous XXXX $ until I pay this XXXX. I do n't trust that this XXXX $ is real debt as my XX/XX/XXXX call said that the matter was resolved. I do n't not think they should be able to leverage XXXX $ of erroneous debt to collect XXXX , real debt or otherwise. I explained to The CBE Group IncXXXX over the phone several times that this debt was not legitimate and they needed to re-verify the debt with XXXX XXXX. As far as I can tell they are legally required to do so, but have not. They continue pursuing collection of this erroneous debt.

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 2018-01-09
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Hello, On XX/XX/XXXX I sent XXXX BTC ( A little over {$2000.00} value at the time/ $ XXXX+ today ) from my XXXX wallet to my Coinbase account. I noticed the transaction had gotten many confirmations so after a few hours I noticed that this money did n't show up in my Coinbase account so I got a little paranoid. 

I then emailed Coinbase on XX/XX/XXXX and they sent me back a scripted email back with some links to try and follow to track down my money. I told them that the links did n't satisfy what I was trying to accomplish and I never got an email back from them. 

Since these links did n't help me very much I continued to email then on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX without anymore information from them except for the same scripted email in reply to my XX/XX/XXXX message to them. 

I then reached out on XX/XX/XXXX to XXXX on XXXX and he never answered me. I provided him with all of the information that would be needed but unfortunately I never got a single reply. 

I have yet to see any information on whether the money is going to be sent to my Coinbase account or if I will be refunded the money in some way but this is inexcusable. Thank you very much for listening to me and I hope you have a nice day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Rushmore loan management will not provide us with a timely and updated copy of the last 12 months worth of payment history for us to have our new mortgage approved. We filed a notice of error because our payments weren't being debited, this seems to have been updated, but Rushmore will not provide us with paperwork with the accurate updated payment information. They also refuse to communicate through email or written channels, which is very sketchy. We need this information for our new loan and they will not give it to us. Their online portal is supposed to provide thisinformation, but just keeps directing us to their very unhelpful customer service line. We need this information as soon as possible ( 12-month payment history ), and we need it to be accurate. Requesting this paperwork should not be such a hassle, and we should be provided it in a timely manner, considering this is often a part of the loan approval process. 

Servicer : XXXXushmore Loan Management Services Name : XXXX XXXX XXXX Loan Number : XXXX Address : XXXX XXXX. XXXX XXXX, PA XXXX Social Security Number : XXXX We have put in a request via fax, with a number that was given to us, and I'm attaching it below. 

I'm also attaching previous proof of incorrectly debited payments, from our previous notice of error and complaint we filed. That is the zip file that is attached. The portal seems to have resolved, but again we have no statements or copies of payment history to prove this. I'm attaching screenshots to show the lack of available documents in the portal as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: OneMain Finance Corporation
State: CO
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Repeatedly asked One Main Financial to not contact me at work- most recent request XX/XX/2021 - and I told them they can contact me on my cell phone or via email. I have asked them repeatedly to remove the phone number and not contact me here, and told them they are violating FCRA by repeatedly contacting me at this phone number, and to stop calling me at work. I told them they contact me in writing or on my cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I was using coinbase/XXXX since XX/XX/XXXX for automatic trading. Due to a bug in my software I violated their terms of use by sending too many requests to their API.  Unfortunately I overlooked a warning they sent me, so my XXXX account got locked and my coinbase account restricted on On XX/XX/XXXX to withdraws only. My XXXX  account had ~2500 on it when this happend ( which I am locked out of ). I responded immediately via mail and asked them to unlock my XXXX funds or even activate me for API usage again stating that I fixed my bug. 

I called them on XX/XX/XXXX. The service agent told me, he could not do anything for me and that he escalated my ticket to a specialist. After I did not get any response, I asked for an update on my ticket on XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX via email. I also tried to contact the coinbase staff on XXXX. There has not been any response and I still have no access to my assets on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: EQUIFAX, INC.
State: GA
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:
ii HAVE PAST THE 6 YEAR MARK FOR ATTEMPTING TO COLLECT A DEBT AND I EXPLAINED THIS TO ALL THREE BUREAUS. THESE ITEMS NEED TO BE REMOVE IMMEADIATELY :
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid in 2015 with the promise to delete. It was originally with XXXX XXXX and it has been sold. I dont think the new debtor was aware that this account has been paid. Also I have disputed this information before but I never received a response back from the credit bureau.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation