BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-29
Company: Jim Bottin Enterprises, Inc
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I discontinued services XXXX XXXX XXXX. They billed me for their membership even though there was no use of service from that point forward. There was no notification regarding the continuance of billing from the club itself. I recieved an email notification however from ABC in which enormous added penalties were added to the bill. The XXXX XXXX XXXX did waive the late penalties but would not waive the club use charges that they even admitted were not used. I paid the bill in full and sent the prehistoric formal written cancellation letter on XXXX/XXXX/XXXX. Since then in the past two weeks I 've continued to receive XXXX further notification of more fees and charges owing on my account. I have attempted to contact the XXXX XXXX XXXX, XXXX XXXX XXXX location and gotten no response. XXXX XXXX is his Manager who 's also ignored any and all communication I 've directed to her. This is abusive business tactics and needs to be addressed. After researching online I 've found countless postings from other victims from this companies abuse. There are too many other choices of XXXX to work out at. Maybe XXXX XXXX will learn a lesson someday that taking care of the customer should be a bigger priority.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I obtained my credit report and there is a capital one account on my credit report that do not belong to me. I contacted capital one to inform them that I never applied for a capital one card and request that they provide proof or removed the account from my credit file and they never provided any proof and there after they turned the account over to a collection company by the name of XXXX XXXX acct # XXXX that is now showing as a collection company on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
This instance is regarding an access inquiry made by XXXX, XXXX to my personal financial information on XXXX/XXXX/2016. I immediately contacted XXXX regarding the inquiry since I have not applied for any new credit and have no active accounts with them. I held a previous account with them which was completely dissolved several years ago and have no standing debt issues outstanding with them. Upon contacting XXXX, they informed me that they had no record of making the inquiry and that there is no new account that had been opened. They would have to send a letter requesting them to remove the inquiry. I contacted Experian and they stated that it could not be disputed and that XXXX would have to notify them to remove the inquiry. However, XXXX stated they have no record of making the inquiry and I would have to send a written letter to them with detailed info to have them remove the inquiry. However, from the looks of internet info, there are apparently a lot of individuals having unauthorized inquiries made to their confidential personal financial information by XXXX. Do you have any information regarding any ongoing investigations with XXXX regarding these types of unauthorized inquiries to personal financial information? Also, would you be willing to investigate this unauthorized inquiry made by XXXX to my personal financial 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 explanation
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. 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 non-monetary relief
Consumer complaint received 2017-03-17
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I HAVE DISPUTED THESE ITEMS TO BE REMOVED BE OFF MY CREDIT REPORT AND IT SEEMS AS IF THEY REFUSE TO REMOVE THE ITEMS OFF MY CREDIT REPORT FROM ALL OF THE 3 OF THE CREDIT BUREAUS AFTER ATTEMPTING TO DISPUTE MULTIPLE TIMES. I HAVE SUPPORTING DOCUMENTS THAT SUPPORT MY CASE.

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 2017-01-17
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Fraudulent accounts/Identity theft- XXXX XXXX-XX/XX/XXXX XXXX- XX/XX/XXXX Fraudulent inquiries-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 2017-01-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian is reporting an account for XXXX XXXX that was discharged XX/XX/2003 and is over 7 years in violation of FCRA.

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 2016-04-05
Company: Cornerstone Home Lending Inc.
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I am the seller and the buyers applied with Cornerstone Home Lending, in XXXX. We were scheduled to close on XXXX/XXXX/16. We received n notice buyers were approved subject to final underwriting approval. A couple of days prior to closing the buyers wanted to back out due to fact that they could not run a small day care out of home. Closing papers were drawn on XX/XX/XXXX and I went to closing and signed. On XX/XX/XXXX 5 days after closing Cornerstone issued a statement of denial for income and now we can not get back our earnest. We do n't believe it 's true. Why would lender allow closing papers to be drawn, allow all to think approved when they would have had paystubs, XXXX 's and returns long before closing. I feel they issued the denial letter to help buyers get earnest and because of relationship with realtors who use them on a regular basis. They have not issued a mortgage credit denial on HUD 's website as require for all FHA loans. We spent {$6000.00} on repairs, leased another home, paid movers and now we have XXXX house payment and no money. Lenders should not be allowed to deny a loan after the fact. Not good business and very poor business ethics. XXXX XXXX - XXXXXXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: LoanCare, LLC
State: MI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I am a consumer and home owner. I've been receiving letters everyday ( except the weekend ) since XX/XX/2022 from several different attorneys, debt collectors, home foreclosure advertisements stating that my home is in the process of being foreclosed by XXXX. Because I haven't received any prior information or knowledge of this taking place, this is a violation of the FDCPA in so many ways : 1. I wasn't given any options or a way to settle the alleged debt ( that was never verified that I owed ) that was claimed I owed. 2. Without prior knowledge that a foreclosure was in the works, XXXX has taken matters into their own hands and moved towards the process to foreclose my home and have it listed in auction. 3. They falsified documents to make it look like I owed a third party lender ( which whom I never signed a contract with to even state or agreed I owed ) and never paid. 4. They've shared my private information to these sellers, credit bureaus and agencies, and legal advocates which I did not give my consent for. 5. Coercion - I was told that if I didn't pay the house in full within six months from the date I was given the notice of my home being foreclosed, that I would lose my home unless I pay a fee to claim and file bankruptcy. XXXX. Defamation of character. Right now I'm facing foreclosure even though my home has been paid.

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 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2016-12-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian has not validated accurately that the account of XXXX is my account. I have reported it as a fraudulent account to the Police and police report has been provided to the credit agency of Experian. Experian has not validate information from XXXX to the information that they have on file. Providing name, birth-date, and social security is not sufficient evidence to validate the account is mine. This is why it was reported as fraudulent has someone used that information to open this account. Please have this removed from my credit report of 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 2016-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I have filed a complaint with the bank because of suspected fraud on my account and several charges that I did not authorize. The institution has since put a freeze on my account and refuses to provide me with any information. I recently paid my auto insurance from the account where there was a balance to cover the transaction and the bank returned the payment. Their reasoning is that the funds are being held due to the investigation. The rep who I am asked to contact is never in the call center and they keep the same business hours as I do and I have to work. 

How can your complaint be satisfactorily addressed? 
The funds need to be released on my account as they are being unjustly held and have now caused me hundreds of dollars in fees because of the returned transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
My account w/ XXXX is being reported as a 90 day delinquency. I have made contact w/ XXXX and provided proof from XXXX indicating that I WAS NOT in delinquent BUT in forbearance. <P/>Payment history is 30 % of my credit score and its accuracy is most important. <P/>update the report and remove this 90 Day delinquency for XX/XX/2015.

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 2015-07-31
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Shopping for a loan or lease

Complaint:
I turned in my lease vehicle and thought you should know about what I consider to be a deceptive and unscrupulous practice. About a month after turning in my vehicle I received a bill for something called a " disposition fee ''. Apparently this is a fee charged if the person returning the vehicle chooses not to purchase the vehicle. When I reviewed the contract with the finance person at the dealership he went through every line except this disposition fee line. To this day I still do n't know what a disposition fee is. I feel like the disposition fee line was purposely avoided by the dealer so as not to make me aware of it. Had I known about this fee I would have challenged it or refused to sign the lease. This practice needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: Convergent Resources, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
im getting repeated calls and letter about the same debt before XXXX every XXXX to XXXX days for the amount of {$1300.00} the account was bought from another company and reopened on my credit file

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 2022-04-21
Company: Experian Information Solutions Inc.
State: MD
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 sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2016-02-17
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Submitted payment through the only means Carrington Motgage Services would make available, XXXX XXXX {$1600.00}. Carrington Mortgage Services declined payment. They are demanding full payment and I ca n't do that. It is over {$5000.00}. In addition there is no way to make a current payment. I have applied for the loan to be modified but I get the impression they are simply trying to drive me out of the house

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello. I am writing in regards of ARS who refuses to validate a XXXX that is in question. This company has reported this unknown debt to ( XXXX XXXX XXXX. and XXXX credit reporting companies ) which has tarnished my credit. I was recently denied for credit and this unknown debt is causing me much stress. Date XX/XX/2020 the amount is XXXX. 
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 explanation
Consumer complaint received 2022-04-21
Company: Blockchain.com, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
For over a half month now, BlockChain.com Inc ( US ) has stolen all my crypto and despite multiple complaints here and " conversing '' with them, they refuse to give my crypto back. 
I can only conclude Blockchian.com is a Ponzi scheme so I'm here to warn as many other people as I can. 
All of a sudden my money was gone -coincidentally as I wanted to check out of their scheme. Coincidence? I guess not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: GA
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 # XXXX, Date XX/XX/XXXX. XXXX  XXXX Account # XXXX, 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Date XXXXXXXX XXXX XXXX Account # XXXX Date XXXX XXXX XXXX Account # XXXX Date XXXX XXXX  XXXX Account # XXXX Date XXXX XXXX  XXXX Account # XXXX Date XX/XX/XXXX - XXXX  XXXX Account # XXXX Date XX/XX/XXXX - XXXX  XXXX Account # XXXX Date XX/XX/XXXX - XXXX XXXX # XXXX XXXX XX/XX/XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have several accounts, inquiries, addresses, and name aliases that are fraudulent and incorrect i have a police report with the officer information XXXX badge # XXXX report number XXXX along with id theft affidavit notarized and my social and driver license .... please review this info ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I have contacted XXXX XXXX XXXX  XXXX by phone, and by mail, and even fax regarding fraudulent account that appear on my credit file. I have disputed this account as fraud and opened as a result of identity theft, I have also uploaded, faxed and mailed certified a copy of my very recent credit report to XXXX XXXX XXXX  XXXX and bank have ignored my fraud disputes, bank have neglected to utilize my recent credit report to block this fraudulent account from my credit file. I have exhausted all avenues available to me and followed the FDCPA guidelines to rectify these fraudulent accounts but I have continued to be ignored by the bank. The following account is not mine and is on my credit file as a result of identity theft/fraud that I reported to the local police department : XXXX XXXX XXXX XXXX Police report filed on XX/XX/2020 ) This is not my account and I have also communicated this same information and provided my police report to this business listed above, and it have refused to assist in the correction of the fraudulent information. It is all acting in a willful and malicious manner and continuing to defame my character by knowingly reporting information it has been fully informed was fraud.

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 2017-11-11
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company repeatedly calls me, from phone number, XXXX. I do not know if another company that I complained against, simply sold the unknown debt to XXXX XXXX XXXX. 

I want this company to stop calling and put in writing, who they represent and what they claim is owed. Also, if your agency contacts this company, I do n't want them to simply write a letter of appeasement and then sell the unknown debt to somebody else, to repeat the cycle. 

I was taught that I first need a letter in writing and have 30 days to dispute the validity of the debt, in California, before a debt collector can legally call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: Debt Recovery Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I requested original bill from said hospital. The company trying to collect sent me one. On the bill is says amount due XXXX .... On a piece of paper from collection company. They tell me to ignore what is on original bill from swift emergency. If the Bill says I owe XXXX. How can they create a random amount and attach to my credit report.

Company response to consumer: Closed with explanation