BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-02
Company: Source Receivables Management LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection call a few months ago claiming I had a debt in collections. I immediately thought it was a scam because it sounded sketchy especially since I am responsible and married a CPA who manages finances. 

I received another call. I asked what they were talking about and they told me they acquired the debt from XXXX. I did cancel XXXX within the last few months but I had that account for 17 years and verified I did not have a contract before canceling due to service bad at my new home. 

I asked for the reason of the charge to which they could n't tell me. I asked to dispute it and was told to contact XXXX since they are the only ones who can see the reason. I called XXXX and they could not tell me anything since the account was purchased by collection company and I 'd have to contact them. I went back and forth several times. I put in a dispute with the collections company and was told it 'd be reviewed and I would be contacted. That was a couple of weeks ago. 

I am currently trying to purchase a larger car since my wife is XXXX in 6 weeks. I decided to check my credit and find that my XXXX score is XXXX and my XXXX is XXXX because they reported the false debt. To put it perspective it has n't been reported on XXXX and my score is an XXXX. This is going to significantly cripple me getting the interest I should get not having this. 

Thanks,

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-18
Company: Data and Contact Management Solutions, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My mother passed away in XXXX of XXXX. The debt collector is for XXXX XXXX XXXX XXXX XXXX in XXXX, my mother moved to XXXX state in XXXX. XXXX XXXX XXXX just sent me a check in my mothers name for a overpayment of {$6.00} which I dealt with in XX/XX/XXXX. The company sent my mother a letter, the company is called DCM services , LLC. No where on this letter does it mention that they are a debt collector or what the debt is for. The company is showing the last payment made on this account is for the same {$6.00} XXXX XXXX XXXX sent as a refund for a overpayment, and this company is asking me to pay this debt on my mothers behalf. DCM services , LLC address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX. There phone number is XXXX. I spoke to XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: First Advantage LNS Inc.
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX NATIONAL CREDIT AUDIT CORPORATION ( NCAC ) / FIRST ADVANTAGE ( FADV ), Has been contacting me via email, postal mail, and phone calls claiming I owe them a debt of {$1200.00}, also they sent me another notice on XX/XX/XXXX saying I can just pay {$750.00} to settle the debt for a one time payment. This company has been violating my ( FDCPA ) rights 15 USC 1692g ( B ) to be exact ; Since XXXX when I first disputed the debt they never reported to the 3 credit bureaus that the debt was being disputed they also didn't cease collection. Most importantly they never Validated the debt. This company have been hurting my credit worthiness for too many years now along with XXXX for not doing a thorough investigation to see if the debt was Valid or Accurate. I disputed the debt in XXXX and its XXXX, they are Willfully violating my rights as a consumer 15 USC 1692g ( B ) and 15 USC 1692e ( 2A ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01
Company: Experian Information Solutions Inc.
State: FL
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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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 2022-07-18
Company: Experian Information Solutions Inc.
State: LA
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 looked at my report and noticed that there are many inquiries listed that I did not recognize or authorize. 
I will list those items here : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Experian 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 XXXXXX/XX/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 2022-07-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to have a satisfaction/ Release of mortgage recorded in public records on a mortgage that has been paid in full since 2004

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: Clarity Services
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received an email from  XXXX  stating they 've identified a change in my credit report this afternoon at  XXXX . I visited the  XXXX  website to see what the change was and it was a hard inquiry from Clarity Services  Inc  on the behalf of  XXXX  capital. I have never applied for any credit or loan form either company. I called  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   to see where they got my information from to run my credit and all  XXXX   XXXX   (  floor  XXXX  ) stated was that the application was denied and she could not tell me anymore information. I am asking that this inquiry be removed from my credit as I have never applied for any loan or credit with this or any other company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: ORG GC GP Buyer, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX and XXXX used a bait and switch sales tactic on me. 
XXXX sent an email stating TV, Phone and internet for {$89.00} plus tax and they will bundle with XXXX but all the payments go through XXXX. 
When the Technician installed the system he failed to install the phone service and since I did n't care one way or the other if I had the phone or not, I did n't bring it to their attention. 
XXXX said in a recent conversation on XXXX/XXXX/17 that because I did n't complain about not having the phone service that I was n't going to receive the triple play price and they would n't honor the email or take responsibility for their technician not install the phone line. 
So rather than admit their mistake and have the technician come out and install a phone line and give me the triple play price as per their email, they decided to charge me {$200.00} a month. I told them if they do n't honor the email offer that I signed up for then I would have to cancel the service on the grounds that they broke the contract. 

I am submitting all documents supporting my statement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01
Company: Avant Holding Company, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I submitted payment on-time, but payment fell on a United States Federal Holiday and weekend ( Saturday ). Avants system twice cancelled my additional scheduled payments after this original date of XX/XX/2022 twice XX/XX/XXXX and XXXX, 2022. Upon contacting Avant customer card and speaking with a gentleman, I was told a waiver of the late fee of {$27.00} would be applied. This late fee was not applied. I called again and was told this lie again as well as by email and no reversals of fees or late fares whatsoever. When I sighted them the protections I have under the Credit Card act they shrug it off an say that doesnt apply to me or that XXXX runs their Avant credit card and they Avant have no control over lates fees or other fees. I even have requested accommodations due to Covid-19 for deferment of my minimum payments and Avant denies this accommodations as well. Sad, because my other credit card companies owned and run by some of the United States biggest banks are willing to help me with their cards. Why does Avant get allowance from the federal government to abuse me and others I have read about in complains in the web?!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX, XXXX XXXX I entered into a settlement agreement with American Express as a result of civil suit filed against for outstanding debt for account ending in XXXX. As a result of the settlement, American Express and I agreed for me to pay {$18000.00} over the course of 12 months in installments of $ XXXX. The terms of this agreement were met on with my last payment on XX/XX/XXXX. I received paperwork between XX/XX/XXXX and XX/XX/XXXX from the law office ( XXXX XXXX XXXX ), the state court of XXXX XXXX and American Express staying that my account was settled and paid in full ( documents attached ). American Express is still reporting to the credit bureaus that I have an outstanding balance of {$11000.00} and is not willing to honor the previously agreed upon settlement after many attempts. I would like my credit reports to reflect this account is settled and paid in full and no further calls from American Express saying I owe a false amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-01
Company: JPMORGAN CHASE & CO.
State: TX
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:
I AM PROFOUNDLY XXXX AND CAN NOT HEAR WHEN HEADSETS ARE USED AND ALSO THEY ARE USE VOIP. 

MY DISPUTE ALSO WAS NEVER PUT THROUGH. 

4 SUPERVISORS REFUSED TO GET ME SOMEONE THAT I COULD HEAR ON A HAND HELD PHONE AND MADE FUN OF ME.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I was induced into transferring money to a XXXX account ( first transaction {$350.00}, second transaction {$500.00} - Total {$850.00} ). I was scammed by a member of XXXX named XXXX XXXX ( email associated with XXXX account : XXXX ). We primarily communicated on XXXX, where he used the name XXXX XXXX ( XXXX XXXX XXXX  ). I buy and sell things that I no longer need on XXXX XXXX, and he asked if he could send the payment through XXXX. I said yes, but then I began to receive fraudulent emails from XXXX asking me to send more money in order to " upgrade my XXXX  account into a business account. '' I did so at first and unfortunately sent two XXXX payments -- {$350.00} & {$500.00} -- before catching on. I have filed a formal dispute with XXXX through USAA but after waiting ten business days and asking for an update, I was essentially told that they can not do anything about the lost funds because XXXX is a third party transfer service. When I spoke to a representative at XXXX to assist me, they told me to call my bank because they ALSO can not fix the issue. Although the two transactions were authorized, I was induced into transferring the money, which I believe is covered in Regulation E in the Electronic Fund Transfer Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is a complaint against timeshare XXXX XXXX XXXX - XXXXXXXX XXXX XXXX. The people we dealt with told us that we were making a good financial investment. They said I can earn from this if I decide to sell it as the resale value would go up. We were also told that it had some tax benefits similar to owning a second home. We felt pressured especially when they said they needed " corporate approval '' in order to grant me the price being offered and it's our last chance at the lowest price. They opened a credit card. They offered gifts like {$100.00}. They have our ID during this process. We felt extremely pressured during the whole process, they even used threatening statements when we asked assistance in selling. We didn't know how to cancel, we were never properly educated of it like how many days to cancel and such. We tried requesting to cancel but we were never assisted. We had the worst experience with this timeshare, we were highly pressured with their sales tactics. We were under impression that it was a bargain deal being offered to us, purchasing someone else 's timeshare that they needed out of. Thus, we were led to believe that they actually assis owners who need to sell and exit. We were simply defrauded and lied to. We're elderly, it felt our age were used and had been taken advantage of. Having this timeshare just gave us hardships than giving us a way to relieve our stress for people our age, especially when we're already dealing with several medical conditions but getting involved with them just doesn't help, actually making it worse for people like us. We had financial difficulties, negatively affecting our credit scores because of this, loss of income, can't pay bills etc. Experienced work stress and issues due to this timeshare, plus emotional relationships were affected well. All we got is being stressed out ever since we had this timeshare.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Coinbase ( Coinbase.com ) not helping me since XX/XX/XXXX. 

I lost access to the email address ( email was terminated ) on record with Coinbase. Since Coinbase 's service sends sign-in verifications to the email address on-record, I can not sign into my coinbase account. Coinbase will not assist me in re-gaining access to my account through other means. 

I followed all the steps to reset my account in : https : //support.coinbase.com/XXXX XXXX and then contacted them about it on XX/XX/XXXX.
I still can not access and withdraw my money from the locked account. Since I first contacted them for help in XX/XX/XXXX, Coinbase support only sent automatic answers which did not solve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: TradeStation Group, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
i deposited money into their account in XXXX XX/XX/2021 and it was the last time i saw it.i was told to send another XXXX if i want my profit .and i asked for my refund and they refuse .i want my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This the letter I wrote on XX/XX/XXXX after multiple phone calls with customer service. I just got off the phone on XX/XX/XXXX & was told that they have by the end of the day to complete this. They knew I was closing on a refinance but didn't care. I have taken this issue up originally back in XX/XX/2017, but they didn't correct the issue back then either. It is not fair that I have to take a higher interest rate, pay thousands of dollars more in interest because this company refused to correct their mistake. 

I am writing this letter because I am purchasing a new home, I was told that the 30 days late & 60 days late are still reporting on my credit report for dates XX/XX/2017 30 day late & XX/XX/2017 60  days late. 

The reason that this was reporting late, is when I paid online, I made a double payment by accident.I called to correct the problem. When I asked to reverse one of the payments, XXXX XXXX  canceled both payments & sent me a refund check. By the time, I knew that this had happened, it made my account look like I was missing two payments, even though I made the actual payments once I figured out what had taken place. I had called several times on this in the past and was assured that both late payments would be removed from my mortgage rating. 
I am asking XXXX XXXX  once & for all to please remove the 2 late payments, so my credit score will go back to where it was supposed to be in the high 760s. I have never been late on any account. My new home is supposed to close on XX/XX/XXXX, so I am requesting a rush on this. I appreciate your help in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: World Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

WORLD FIN XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXXXXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : XXXX XXXX XXXX CC : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX 2 LATE PAYMENTS REPORT IS INNACCURATE UPDATE TO PAID AS AGREED LATE PAYMENTS ARE INNACCURATE

Company response to consumer: Closed with explanation