BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-19
Company: United Collection Service, Inc (FL)
State: FL
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:
TODAYS DATE:XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ATTENTION DISPUTE DEPARTMENT UNITED COLLECTION SERVICE, INC Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious UNITED COLLECTION SERVICE, INC I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX XXXX XX/XX/XXXX SOCIAL XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XX/XX/XXXXMy legal name is XXXX XXXX XXXX XXXX, and my social security number is missing from this report!  When I applied for housing in XXXX XXXX On XX/XX/XXXX Experian created a credit report number:XXXX for XXXX XXXX. This report included two incorrect social security numbers and not one of these numbers included my correct social security number. This report included my XXXX mothers information name and address in Hawaii. They had my name spelled incorrectly eleven times. My maiden name was XXXX XXXX XXXX. They have my mothers address XXXX XXXX XXXX, XXXX XXXX which I have never lived at. They had a credit card listed from XXXX XXXX XXXX with a balance of $ XXXX. which was dismissed when I received a XXXX from XXXX XXXX XXXX two years ago and showed I still owed the amount. The fact they are creating a credit nightmare with all the wrong in formation has me really angry also that they are using my XXXX mothers information as mine is so negligent and disrespecting me! I worked for a XXXX 15 years and I used to be a XXXX who used credit reporting agencies all the time. I lived in XXXX for 20 years. My XXXX XXXX is new to me so I am not able to get it to you online. I will send a paper copy to the CFPB for your records.

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 2019-07-17
Company: PENTAGON FEDERAL CREDIT UNION
State: MD
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:
I never applied for any account with this company and I have reach out to them to have the incorrect info removed but no 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 2022-08-13
Company: Experian Information Solutions Inc.
State: NC
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 Reporting act XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  violated my rights. 


15 U.S.C 1681 section 602a States I have the right to privacy.

15 U.S.C 1681 section 604a section 2. It also states a consumer reporting agency can not furnish a account without my written instruction.

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 2019-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
I never applied for any account with this company and I have reach out to them to have the incorrect info removed but no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: U.S. BANCORP
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I signed up for the " XXXX XXXX '' credit card several years ago after having an account with US Bank since XXXX. The card promised airline flights on a tiered mileage program where I could get a ticket for XXXX points/dollars spent without restriction on when I could travel, providing normal seats were available. I accumulated XXXX points over several years and intended to use them now that I am retired. On XX/XX/XXXX, I called in to XXXX plan to book a flight late in XXXX. I was shocked to find out the XXXX plan program was changed in XXXX to a market based system where my points are now worth about 60 % of what they were worth 10 days earlier. After several hours, I finally booked a ticket at XXXX points. The options available for when I would travel and stops were also very limited through XXXX plan, but not if I contacted the airlines directly. So I am now having to pay whatever the market will bear ( and it does appear the airlines are charging the bank top fares which get passed on to the consumer under this new system ). The promise I will not have closed days and higher cost days is also now invalid because now the market value basis on popular days or popular times makes the cost in points prohibitive. If the bank had implemented their new program but made points accumulated to that point grandfathered in under the tiered rules when the points were accumulated, there would not be a problem. The bank tells me they sent snail mail envelopes to my post office box notifying me of these changes, but I did not receive any notices of this change. They could have emailed me, called, or provided some sort of confirmed receipt of the messages they supposedly sent -- but no effort was made by the bank to do that. I do not believe the notices were sent to the correct address. Even if they were, the practice of reducing my accumulated points to 60 % of their previous value and not honoring their promises using a grandfathered in approach is irresponsible. I am now XXXX in a protected XXXX class and unethical slight of hand tricks to reduce the value of my travel opportunity now that I am on fixed income shocks me. I do about {$30000.00} in business with us bank each year on my credit card. I am surprised the bank thinks it is worth it to reduce my flights ( using rewards ) from 3 to 2 after all this time and money spent with the bank.

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 2021-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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, the consumer and natural person, entered in a consumer credit transaction with Capital One Bank. 15 USC 1692e refers to false or misleading representations. Capital One Bank has used false representation of a. the character, amount, or legal status of any debt, and b. any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. Also, the debt being in the positive balance is false representation of the amount of the debt. If it is a debt ad it its owed, it should be shown in the negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
(1) I created a new account at Coinbase.com (2) I linked my XXXX XXXX account to my Coinbase account (3) I transferred XXXX Bitcoin ($XXXX USD) to my Coinbase account from another Bitcoin wallet - this transfer was enabled because Coinbase provided the wallet address to which I could send it (4) After my transfer was made, I could not sell or even transfer my bitcoin balance because my identity was not verified by their system and their identity verification system was/is not working - my funds were held captive and I could not and still can not do anything (5) I contacted Coinbase support two weeks ago (XX/XX/XXXX), I received notification that my request had been submitted but they have still not responded to the issueObviously I should not have been allowed to transfer money to my account (ie Coinbase should not have provided me a receiving address) without being notified up-front that it will be locked there until my identity has been verified - and their identity verification system is not working

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
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 for two years to get Trans Union to look into a creditor is has three duplicate charges on my credit report, the only thing that differs is the amount of interest charged.  There are three medical bills total that are ligitimate.  This bill collector posted six, as I said three of which are the same bill, different interest charge.  Not only have I not heard from Trans Union with 30 days,  I have not heard from Trans Union at all about my complaints.  There is also a new hard inquiry listed recently that I did not initiate.  The creditor is all the same company, XXXX —— XXXX.  I’m not sure of the last name.  It’s a company in Massachusettes that seem to deal only in medical bills.

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 2018-01-19
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Past due balance that they are not willing to help me with, call me up to 7 times a day starting at XXXX  sometimes and ending at XXXX. Today they have started calling distant family members who I haven’t talked to in years. This is beyond harassment!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: Experian Information Solutions Inc.
State: OH
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 pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2021-12-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2018-06-05
Company: Meridian ARG Inc.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/XXXX I received a. Call from my brother stating that someone called him stating that they were going to sue me If I do not contact them. This was the 1st time I heard about the debt. I called the Texas phone number given and a lady answered stating she was with Meridian ARG. She said that I owed {$860.00} to XXXX XXXX. I asked for more information and asked why I didnt not receive any type of written information. I told her I do not have any accounts with XXXXXXXX XXXX nor do I recall ever banking with them. She could not provide me with the dates of this debt. I told her I would need written proof of the debt before I would be willing to resolve the issue. I also told her I am currently out of state at a 5hour time difference so I would contact her once I got true verification of the debt to get it resolved. She provided me with the number to XXXXXXXX XXXX and the account number. I called XXXXXXXX XXXX the same day and spoke with a customer service representative who gave me a number for the collection department. She told me I had an account in XX/XX/XXXXto amount with fees that were owed was {$530.00} and that the account was sent to a collection agency that went out of business. She also told me to verify the business due to the debt being wrote off with them and the agency not existing ( this was all on a recorded line ). I then received a call and voicemail from the lady with XXXX XXXX at XXXX stating that i have failed to voluntarily rectify and will be served to appear in court in a state I Am not in, however if I call I can stop the process. I pulled my credit as well as it was not on any report. 
They have yet to provide me with any proof of my obligation or of their validity as a company.

Company response to consumer: Untimely response
Consumer complaint received 2018-01-19
Company: National Credit Adjusters, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I keep receiving calls from a debt collection agency asking to speak to someone I have never heard of before. I told them the number they are calling is my cell phone number and I do not know the individual they are looking for. I requested they stop calling me ; however, they have continued to call me multiple times. The number I received calls from is ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: DISCOVER BANK
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a XXXX  XXXX and I can't not pay high interest on a credit card I have tried more then once to settle this issue with Discover and they refuse to remove all charges on the account my credit card was stolen and I do not owe over {$2000.00} and discover has done nothing to help me. Discover is discriminating against me and taking advantage of someone who only gets XXXX and can't afford to pay for someone else 's charges to my account. I'm not paying discover any more money because I don't owe any more money..Discover employees are rude and have hung up on me more then once. I'm gon na report them and file a lawsuit for discrimination if they don't remove these fraud charges immediately I'm not.playing their XXXX games anymore stop discriminating against me. Period or deal with legal charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: Patient Accounting Service Center
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I had blood work drawn at a lab (XXXX XXXX) and they billed my insurance company (XXXX) $XXXX.  The lab is in network and the insurance company has a discounted rate that brought that bill all the way down to $XXXX.  The insurance company paid $XXXX  and I was left with a $XXXX copay which I did not make.Today (XX/XX/XXXX) in the mail, I received a letter dated XX/XX/XXXX  from XXXX, a collections agency, stating that I owed a balance of $XXXX.  Which is 10 times the amount actually due. The representative for my account is listed as XXXX XXXX.I called XXXX and was told that I do, in fact, only owe $XXXX.  When I asked why the letter I received, asked me to pay $XXXX, the representative told me that this was the original amount due and an insurance adjustment had since been made.  I have the EOB from my insurance company and there was never an amount of $XXXX due, also, the insurance payment was processed 2 days after it was received, so there was no adjustment made after the fact.I believe that XXXX purposely misrepresented the amount due to fraudulently collect more than what was owed and also to collect a higher rate of interest and fees if I were to not make a prompt payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
TransUnion, XXXX and XXXX have violated my right under FCRA and CARES Act - Dept of Education COVID-19 Emergency Relief and Federal Student Aid program. I am not late on any student loan because the relief is from XX/XX/XXXX through XX/XX/XXXX. If the 3 credit bureaus would have conducted proper investigation or even XXXX they would have know of these reliefs under the CARES Act. Please direct them to remove from all my credit reports as they are inaccurate, has errors and they did not verified. This has caused me XXXX and I can't obtain additional financial credit. Additional these confusing information below are on my reports and doesn't even make sense. Please direct the bureaus to explain so a simple person can understand. -- -- - DISPUTED ACCOUNTs 1. XXXX XXXX XXXX {$1500.00} Balance updated XX/XX/XXXX 1 late payment Account Info Hover over labels for more details Account number XXXX 2. XXXX XXXX XXXX {$6500.00} Balance updated XX/XX/XXXX 1 late payment Account Info Hover over labels for more details Account numberXXXX 3. XXXX XXXX XXXX {$4600.00} Balance updated XX/XX/XXXX 1 late payment Account XXXX 4. XXXX XXXX XXXX {$4500.00} Balance updated XX/XX/XXXX 1 late payment Account number XXXX 5. XXXX XXXX XXXX {$6600.00} Balance updated XX/XX/XXXX XXXX late payment Account Info Hover over labels for more details Account numberXXXX 6. XXXX XXXX XXXX {$1500.00} Balance updated XX/XX/XXXX 1 late payment Account Info Hover over labels for more details Account numberXXXX

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 2020-02-07
Company: Exeter Finance Corp.
State: TN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
In 2015 I went to purchase a vehicle at XXXX. At the time I was XXXX and didn't qualify for any leasing companies except one. Exeter finance financed me at XXXX dollars a month as a XXXX XXXX XXXX with a minimum wage job. Although I am grateful that they allowed me to obtain a vehicle, 5 years later I am still paying XXXX a month and have nearly payed 4 times for what the vehicle is worth because my APR is 18.75 % +. the state max is 16! Of course i didn't know that this was Usery at the time. This has put me in financial danger ever since. I have XXXX children and the fact that a company can make a lease on a vehicle 4 times what the vehicle is worth is beside me. This company preys off of those who don't have the credit to purchase a vehicle them self so they step in jack up the price and and throw in a extreme APR. Im assuming nothing will get done about this so therefore I would at least pass on this information. Exeter finance has been caught price gauging and has already paid out XXXX XXXX for the same reason! 
STATE LAW OF TN Legal Maximum Rate of Interest 10 % ( XXXX ) Penalty for Usury ( Unlawful Interest Rate ) Contract unenforceable ; if found unconscionable, lender must refund charges, fees, and commission fees and successful plaintiff may recover reasonable attorneys fees ( XXXX ) ; willful collection is a Class A misdemeanor ( XXXX ) Interest Rates on Judgments 10 % or at contract rate ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation