BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-04
Company: ERC
State: CA
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:
The company called ERC - Enhanced Resource Center - calls me several times a week asking for someone named XXXX XXXX. I don't know who that is. Maybe he had my phone number before I got it last XXXX of 2019. I keep explaining to them that I am not XXXX XXXX and that I don't know anyone by that name, but they keep calling me. They have even given me XXXX XXXX XXXX  account info - reference number XXXX - which seems really messed up as I am not XXXX XXXX. I have asked them each time they have called to please take me off of their list, and I have reported this company to the FTC as I am on the Do Not Call registry and to the XXXX  as I don't think companies should be allowed to treat random innocent people like this. The harassing calls keep coming and there seems to be no way for me to get them to stop. I am not XXXX XXXX. I don't owe a dime of debt to anyone ( never have in my life ). I don't know why I am being harassed by these people. I just want them to please stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: Coinbase, Inc.
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I opened an account with them for {$110.00}. The took a fee of {$4.00}, which I knew about. I wait for a day for it to clear. Then it took them from XX/XX/20 to XX/XX/20 to claim that my ID was verified. I submitted my state ID and photo via cam several times. I contact their support about this. In this period my account was cleared, I do not know the exact date. I tried to make a purchase that apparently was on their blacklist. My account was restricted. This I was unaware of, as I was equally unaware of this blacklist of theirs. 

On the XXXX I requested that my account to be closed and the money return to origin bank. They then claimed that they can not do this and I must enter a bank on their website so that money can be transferred out and account closed. But they require you to enter your bank credentials, in effect giving them the ability to steal all your funds from your account. I have told them that this is completely not acceptable and they have ignored me since. I have tried to call their number XXXX XXXX XXXX. ' It does not matter which option you use the message is the same " We are experiencing high call volumes, please submit a ticket on the website. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
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 received the attached from a collection agency. On XX/XX/2021 I contacted the company that I knew nothing of this account. I was informed they would send information but I have yet to receive anything. XXXX XXXX XXXX are like all the fraudulent companies that try to extort.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
My complaint involves having to pay a personal property tax on my leased vehicle each year. I feel that this is unfair since I drive my leased car for pleasure only. I am retired and do not use the car for any business purposes, now or in the past. I 've been leasing since XX/XX/XXXX and on my third lease from Toyota Financial. I have been told that the tax office of XXXX County or the City of XXXX charges Toyota Financial a personal property tax on leased vehicles and Toyota Financial passes the cost on to each customer. At the start of each lease, I signed a notice that stated the vehicle will not be used for the " production of income or activities that involve the production of income. '' I do n't understand why the tax office charges the tax on a vehicle that is not used for the production of income. The most recent bill is for a XXXX Toyota Avalon which I no longer have. I turned this car in for a XXXX Avalon which I 'm now driving and most likely will have to pay another bill for personal property tax this year also. Since TFS paid the tax on my behalf, I suppose I have no choice but to pay them back. I just feel that this is a consumer ripoff. I appreciate any assistance you may be able to provide. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: FORD MOTOR CREDIT CO.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
Ford credit corporation keep on calling me at work for some late payments but they have the wrong person, same name as me but different last name also never have a ford credit or driving a ford car, it was a former employee. Keep telling customer service to remove my name on the list since XXXX of XXXX but they still calling me and I felt like it was an harassment but up to this date XXXX/XXXX/XXXX, they continue calling me. I wanted to file a complaint to Ford credit corporation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: FIFTH THIRD FINANCIAL CORPORATION
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: Was not notified of investigation status or results

Complaint:
To Whom it may concern, I received an email from XXXX XXXX stating that my credit score went down XXXX points because of a late payment to XXXX XXXX XXXX. I have never had a late payment on my credit. I called XXXX XXXX and they told me that my last payment was XX/XX/XXXX of 2021. There was no payment for XXXX or XXXX. I pay this automatically through Fifth Third Bank. I have attached a document showing that the XXXX and XXXX payments were scheduled and were also showing in the history. I called Fifth Third Bank and they said someone would call me within 3 business days. They said that they saw that I had scheduled these payments automatically for the first of each month but that they did not send the checks. She did not know why and had to escalate this. I told her I wanted something from the bank stating that this was the fault of the bank. She said I would have to wait until someone e-mailed me about this within 3 days. 

I called Loan Care and I told the representative that I had not received any communication from XXXX XXXX about this. She said that they called me but received no answer. I said why wouldnt they leave a message. I dont answer calls if I dont know the number. She said that they sent a letter in XXXX. I have not received that because I am at my other home in Georgia. 

The research done by Fifth Third it was found that the payment for XX/XX/XXXX was lost in the mail and the payment for XXXX was cashed on XX/XX/XXXX. I asked why the second payment was not cashed on the first because I schedule my payments to get to Loan Care by the first and I was told that was up to the merchant when they cash it. I was told by Fifth Third that the screenshots should be enough to resolve this. They do not send letters. I have attached the payment history along with the check numbers that were sent. I sent this info to XXXX XXXX and they will not take off the derogatory mark from my credit because they said a check lost in the mail is not their fault. 

I am very upset about this and am asking for my credit score to be restored. I paid the two months right away after I found this out. 

Please let me know if you can resolve my credit issues. I have never had a late payment in my life and this has reduced my credit score by XXXX points by no fault of my own. Please advise. Thanks you very much! 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Account number XXXX XXXX  XXXX XXXX Account number XXXX XXXX  Account Number XXXXXXXX XXXX XXXXXXXX Account number XXXX These lenders have accessed my credit file : XXXX XXXX date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX NA Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX has violated my rights 15 U.S..c 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section XXXX It also states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2022-07-07
Company: MARINER FINANCE, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Good Day, Ive made multiple attempts for weeks now to try and resolve this debt and XXXX in collections does not return voicemails. In addition her supervisor XXXX who is very unprofessional called my husband from his own personal cellphone threatening him. We have the call logs to prove. Your collections department has been by far the most disrespectful and unprofessional department Ive ever communicated with. I called again today so settle my debts due to experiencing a financial hardship and they are unable to settle for less than the full balance even though I received an email that expired on XXXX offering to settle for {$630.00}. We just want to settle this debt and move on but we dont trust or want to deal with anyone from your collections department. My husband has already taken the appropriate action to move forward against the threats form your office supervisor XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Bank of America has my account as fraudulently but I have no knowledge of whats going on, I didnt have Access to the card nomore

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 2015-05-29
Company: M&T BANK CORPORATION
State: DE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
ON XXXX XXXX 2015, A VERIFIED NOTICE TENDER OF PAYMENT & LAWFUL TENDER OF PAYMENT WAS ISSUED TO M & T BANK IN RESPONSE TO REQUEST FOR PAYOFF OF MORTGAGE OBLIGATION, ALONG WITH TENDER OF PAYMENT FOR SAID OBLIGATION. ( SEE ATTACHED ) XXXX XXXX, XXXX, NY XXXX # XXXX. 
ON XXXX XXXX M & T, ( ATTACHED ) NOTICED ME THAT THERE WAS AN OUTSTANDING BALANCE, DESPITE RECEIVNG AND ACCEPTING MY TENDER OF PAYMENT pursuant to Law

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2021-06-16
Company: Resurgent Capital Services L.P.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
on XX/XX/XXXX I contacted Lvnv funding ( Resurgent ) with a cease and desist and proper validation that the debt is mine. which I have eveything documented they sent me a statement which Is not proper validation any one could get a statement if my mail was a stolen also have been a victim of identity theft I asked them from certain information That the debt is mine. pursuant to 15 USC 1692 a debt collector can only assume the debt is valid. I'm my letter in order for the debt to valid I requested certain information back from them. I was then notified in the mail on the XX/XX/XXXX with a letter from the them stating this is an attempt to collect a debt. when 2 days prior to that they received my cease and desist. which I believe I'm owed for civil remedy from this company. because once a cease and desist Is out all collection activities must stop. as of yesterday this company company uploaded unverified information that is harmful to consumer report which is a violation of 15 usc 1962d. the practices this company is using is unlawful and should not be used. Ive never giving them permission to contact me and they still do even with unverified debt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
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: Problem with personal statement of dispute

Complaint:
I do not recognize the creditor, nor the account that is being reported. I do not owe XXXX XXXX XXXX located at XXXX. XXXX XXXX XXXX TX XXXX. 
This has been reporting on my credit profile and ruining my credit. They are unable to provide signed contract for services and will not provide proof of identity. Please remove from credit profile.

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 2020-03-03
Company: Mid-South Adjustment Co., Inc.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I recieved a letter from mid south adjustment onXX/XX/20 in regards to an alleged medical debt that they believed i owed. On XX/XX/2020 i paid {$100.00} to the original creditor, XXXX XXXX   XXXX ( documentation attached ). At that time the account was pulled from collections, which is shown on attached documentation. On XX/XX/20 i paid the remaining balance of {$90.00}, with {$0.00} remaining. The letter from mid south adjustment ( document attached ) claimed that i am involved in a lawsuit for the debt. I called them on XX/XX/20 and let them know that the debt was paid and that it is illegal for them to threaten to sue me, in order to receive payment. The lady i spoke to stated that she had no knowledge of me paying the debt. I explained to her that the documentation that they sent me clearly documented me paying the debt. She put me on hold, and came back and stated that she has no record of me paying the debt, and that i also have legal fees and court cost to pay. i ended the phone call immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: MIDFIRST BANK
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I reached out to Midland Mortgage in XXXX of XXXX after I was laid off from work XX/XX/XXXX. I was able to pay the modified payment of XXXX for XXXX but explained and asked if there was any assistance to help me. I was informed to submit an application, hardship documentation, and proof of income or lack thereof to verify my status. I began submitting information in XXXX and Midland Mortgage finally responded XX/XX/XXXX stating they need the hardship affidavit and proof of income. I submitted the information XX/XX/XXXX and received no further communication until today XX/XX/XXXX after receiving messages that I needed to contact them to avoid further collection activities. I spoke with XXXX agent XXXX, who proceeded to inform me that they had received my information but had closed my application. I asked why and she stated because they hadn't processed it and didn't know what I wanted done with it. I explained the situation and she said they could offer the Corona virus plan but that it would take my payment up to {$1500.00} based upon the interest rate. I asked what the current interest rate was, and she stated she didn't know and that I could XXXX it. She also stated that while they received my documentation I could either go the traditional route and qualify or take what she was offering and my payment would be {$1500.00} or higher, maybe lower but that if I took what she was offering, no further documents would be needed. They have had my information and knew I was struggling but wouldn't do anything with it. I thought the purpose behind a modification was to lower the payment so that people can keep their homes, not continuously raising the payment and even lowering the interest rate. How is it possible to lower my interest rate and my payment increase? This doesn't make sense.

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 2016-12-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have had an escrow for years with Fifth Third Bank to have my taxes and insurance paid. For some unknown reason Fifth Third did not pay my homeowners insurance and it is about to be canceled by my insurance company. I have been trying to get this resolved for 2 weeks and no one at Fifth Third is willing to help me get this fixed. This has been very frustrating and they have horrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
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: Their investigation did not fix an error on your report

Complaint:
I was confused about some reporting on my credit reports among the 3 bureaus. None of it was consistent so I sent letters to the original creditor, and I copied all three bureaus with my concerns. 

XXXX responded by removing missed payments from my report, but LOWERING MY SCORE XXXX points! Experian responded by denying the dispute although I asked for clarification from my original creditor, not the debt holder. 

I also sent a letter asking that all addresses and phone numbers be removed from my report, and that has yet to happen. The addresses and phone numbers I do not recognize, and I provided my updated information. 

Upon further investigation, I learned that the reporting is NOT Metro 2 compliant. Which explains my confusion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: ID Analytics, Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I disputed with SageStream ( XXXX 2016 ) inaccurate addresses, phones, and account information that they are telling the major credit bureaus. As of today, SageStream has not investigated and responded within the 30 days allowed. SageStream caused me to be denied credit at XXXX XXXX to purchase a phone for the XXXX holiday for my child because of all of the inaccuate addresses, phone numbers and credit transactions. They put a security freeze on my account instead.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation