BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-16
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Repeated collection reporting without providing 100 % accurate verifiable information. 
I have asked in writing multiple times to provide documentation showing I authorized opening account from original creditor and/or my authorization debt be transferred to another debt collector. 
Balance : {$2000.00} Balance : {$840.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-27
Company: National Credit Systems,Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I recently found out I was sued by an old apartment company I used to rent from and this debt is now in collections. I looked up the court records and I was never served by this company nor the debt collector they hired nor the attorney 's office whom handled the lawsuit. Now this company is attempting to collect an amount even after the debt is older than seven years due to a fraudulently obtained judgement. This is tremendously unfair and abusive debt collection practices. I have tried to reason with them and they will not cooperate or help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: Conduent Incorporated
State: OK
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
I was told that my card was wrongly shipped originally just for it to have been correct and I now have two cards. I had questions about the card I registered with because it was an inactive card and instead of helping me I got the run around for 4 hours out of my day. The employees told me to keep calling the number on the back of my new card making it inactive and then they refused to unblock the card even though they told me that it is possible for someone in the company to unblock my card. I was then transferred to a supervisor where I asked him for his name so I could give my complaint and he only told me his first name ( XXXX ) he then talked over me while I asked my questions and gave the goodbye portion of the call hanging up in my face.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I received a call from XXXX from Bank of America and Merrill Lynch at XXXX about me wanting my bank funds and she had a problem with me accessing them to use as I like. So she placed a hold on {$16000.00} on XXXX XXXX and said that I should look for another bank to use. I have been dealing with Bank of America for many years and for this person to decide what she can do with my money is wrong. She claims shes the vice president of the bank and she can do as she pleases. This has caused my wife and family unnecessary stress and XXXX  and hardship as I have to keep finding ways to pay my bills without being able to access my funds that are all ready in my account. XXXX XXXX XXXX payment is coming due very shortly, can you please help me with this. Thank you. Sincerely XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2021-10-21
Company: Navient Solutions, LLC.
State: IL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: EQUIFAX, INC.
State: MO
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:
The following pubic records are not only old but also fradulently reporting on my credit file, and it has caused me alot of hardship, therefore, I'm demanding the removal of the following accounts. 

1 ) XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: Direct Recovery Services, LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Direct Recovery Services has repeatedly called, my husband, my ex-husband, my ex-husbands wife, my ex-mother in-law and myself. The woman has been given the information of my Bankruptcy Attorney on two occasions and was informed any further communications needed to be done through him. She continues to call regardless of having been given this information. Furthermore she is informing people other than myself that she is a debt collector calling regarding my balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They have reporting inaccurate, and unverifiable items to the credit bureau. I have sent them a letter over 45 days to show the proof of how this came about, and they have refused to contact me regarding same.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 never been late on the following account and requested physical verification of late payments and never received this information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: Experian Information Solutions Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Disputed the inaccuracies of XXXX XXXX  on my credit report with Experian on XX/XX/XXXX. Company received my disputes on XX/XX/XXXX as it shows according to the certified mail. It is now XX/XX/XXXX and I've yet to hear back. The FCRA gives the company 30 days to respond. I have not gotten a response.

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 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX, WV XXXX ; XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$6200.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$400.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$150.00} ; XXXX XXXX Original Creditor : XXXX ) XXXX Balance Owed : {$250.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX BANK XXXX XXXX. ) XXXX Balance Owed : {$700.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$760.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-18
Company: CITIBANK, N.A.
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:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity ThefXXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXXF XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine.

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 2022-08-07
Company: Experian Information Solutions Inc.
State: FL
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:
To Whom It May Concern, My credit report contains a fraudulent account that I would like to dispute. I have not made any purchases in connection with the account listed below, which appears on my credit report. I believe this is the result of identity theft. I have contacted the company to delete the fraudulent account. Despite my best efforts, I have not been successful. My request is that the fraudulent account be removed from my credit report as soon as possible. 

XXXX XXXX : XXXX Enclosed is a copy of my FTC report to support my case. 
My Drivers License, Social Security Card, Proof of Address and Notarized Letter. 

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 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
The accounts with XXXX that are parent plus loans were XXXX in federal court in 2009. The company refuses to follow the order by a federal judge to stop collecting or reporting after 10 years. I am asking them to be charged with a crime.

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 2021-12-17
Company: Experian Information Solutions Inc.
State: MS
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:
WHILE I WAS AWAY XXXX  MY TIME IN THE XXXX XXXX XXXX SOMEONE STOLE MY IDENITY. I HAVE NEVER FILED XXXX BEFORE! I REALLY DON'T HAVE A REASON TO BECAUSE THE XXXX  PAYS ME WELL. XXXX WILL NOT REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT FILE. I AM TRYING TO REFINANCE MY {$300000.00} HOME BUT THE LENDER ID GIVING ME A HARD TIME BECAUSE OF THIS. PLEASE HELP ME GET THIS ISSUE RESOLVED.

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 2022-04-29
Company: Experian Information Solutions Inc.
State: VA
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 edit report act : XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX account # XXXX XXXX XXXX / XXXX account # XXXX has violated my rights. I don not know these companies. 

15 U.S.C 1681 SECTION 602A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2019-11-19
Company: Mr. Cooper Group Inc.
State: IN
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:
XXXX XXXX refuses to mark our XXXX mortgage payment as made timely when we refinanced our loan to XXXX XXXX and payoff was sent via wire transfer to XXXX XXXX on XX/XX/2019 and the wire confirmation shows it was received in XXXX XXXX account on XX/XX/2019. XXXX XXXX erroneously claims they received payment on XX/XX/2019. I have reached out to XXXX XXXX twice regarding this error and they have researched it and still refuse to fix the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/21 my Coinbase.com account was illegally accessed and all my funds were withdrawn by a hacker. There are thousands of other people who have experieced the same issue for far more loss than I. The bad security allowed someone to gain access to thousands of accounts. My loss was less than {$3000.00} but they also gain access to my personal checking account to withdraw funds through Coinbase. They must be stopped please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown items on my credit report. It has been over 50 days since I sent my letter and I have yet to receive a response. I feel like I my disputes are being ignored and I am being taken advantage of. It is stated in secton 611 ( a ) that a failure to investigate these items within 30 days gives a reason to immediately remove them from my credit report. It has been over 50 days so they should be deleted at once. I demand these accounts be deleted immediately or I will have to file for litigation. This situation has caused stress and has negatively affected my living situation. My information was also impacted by the XXXX  Data Breach and may have got into the hands of the wrong person.

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 2021-02-26
Company: General Motors Financial Company, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
At least a XXXX XXXX XXXX on XX/XX/XXXX. In my lease contract it shows there is a disposition fee at the end of your lease term if you do not purchase the vehicle or lease another vehicle from this manufacturer there will be a fee of {$590.00} that I agreed to back then. Like the 15 or so other General Motors vehicles that I have least over my lifetime I agree to this fee because I knew that I would always be getting another General Motors vehicle. In XXXX the world was struck with the pandemic all of the plants were shut down and vehicle production was halted. Because of this shutdown and production halt there were no vehicles available at the time when my lease was to be returned. I called multiple dealers in multiple cities from XXXX to XXXX to XXXX and there was no vehicles available in the full-size SUV class that I must drive due to my family size. In addition to the pandemic and low inventory in the full-size SUV category GM launched a new model year which made inventory even more scarce. I proactively tried for months before my lease term came up but there was no inventory on the market and there was a waiting list for all full-size vehicles from 6 weeks to 90 days. Due to this situation I wasn't able to grab another General Motors vehicle I was forced because there was no inventory to shop from another manufacturer. 

I feel I am wrongfully being charged a {$590.00} disposition fee because General Motors went into contract with me stating that they would provide me with another vehicle at the and of my lease term but in this situation because of all the factors explained above there were no vehicles available and General Motors did not hold up their end of the bargain. Now I am being threatened that my credit will be destroyed if I do not pay for a service that General Motors was not even able to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2019we attended Foreclosure Mediation at The OAH in XX/XX/XXXX, MD XX/XX/2103, in which the neutral judge told us that we should be allowed to submit the Borrowers Assistance Form so that we can seek the alternatives to foreclosure, the judge was aware of the Sale date being XX/XX/XXXX but yet instructed us/borrowers to fill the application for Loss Mitigation assistance. So we worked to quickly submitted the completed Loss mitigation Application to PHH onXX/XX/XXXX. Then PHH said that since the foreclosure sale date was less than 37 days away they are not willing to review the application.  I understand the PHH may be in their right to decide not to review that application but then what is the help being offered to us/client? We had already submitted an assistance application when dealing with  Ocwen , the previous mortgage servicer , and they did submit the paperwork requested by fax, but they told that Ocwen never received it after many attempts. We have not been receiving mail by PHH as we never received any notice that the house had a foreclosure sale date, until we were informed at the Foreclosure Mediation. We have income and are trying hard to earn extra income to help save our home. We would appreciate the opportunity to have the application reviewed for alternatives to foreclosure, as they have the power to allow a review of the application submitted. Thank you. Note :We can attached the Mediation files and the 3rd party authorization document if needed. Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: EQUIFAX, INC.
State: NY
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 notified Equifax that I am a victim of identity theft numerous times, there are accounts on my report that are not mine and are showing on my report in error. I XXXX XXXX am not a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have disputed numerous errors on my credit report and the reporting agencies have failed to follow FCRA and FDCPA guidelines when it comes to verification of alleged debt. 

Numerous have not been factually documented. 

They have not been physically verified as true. 

They are not complete as reported. 

They have not provided sufficient evidence to me that shows known responsibility and ownership ( not one person has sent an original contract with my signature showing I agreed to conduct business or enter into a contract with alleged debtor ) The compliance of reporting is a minimal of standard. I feel that not all items that meet collection standards meet the requisites of reporting. I am asking the credit bureaus to review every last item being reported to meet these standards and to be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief