BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-12
Company: Diversified Adjustment Service, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I spoke to a representative at Diversified Adjustment Service Inc. who represents XXXX the phone company. They told me that I could settle my debt with XXXX if I paid half of the owed amount to them. I paid XXXX dollars and was told that I no longer had a debt with sprint. I called XXXX two days later to confirm that my debt was paid and they informed me that it was not true but I still owe them a few XXXX dollars. When I explained what happened and what I was told they said that it was not their problem but I still owe them. I called Diversified and was told by a new representative that what happened is not their fault but they could transfer me to a manager who did not answer. I called back multiple times only to be transferred multiple times to the voicemail of the manager. I explained to both XXXX and Diversified that financially this is a hard time due to losing my job to Covid 19 and I only paid the debt to protect my credit. There was no resolution.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: North State Acceptance, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
North State Acceptance is reporting a fraudulently obtained account that I 've disputed and have sent paperwork of the fraud. Please help me resolve this matter quickly. This is a violation of my rights as a identity theft victim and I 'm tired of the damages being caused because of the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: DISCOVER BANK
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
XXXX XXXX XXXX is suing me in a state I no longer live in, represented by XXXX, XXXX, XXXX XXXX, XXXX. I was unable to appear in court in XXXX, IL, as I live several states away in XXXX, PA. I notified the lawyer of the change of address and they continued to pursue legal action, knowing that if I did not appear in court, they would receive a judgement against me. I have not received any mailings since moving and am only aware of updates to the case via the court lookup website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: Experian Information Solutions Inc.
State: AL
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:
First I am submitting this complaint on my own without any outside assitance from any 3rd party companies. I mailed a dispute via USPS certified to XXXX, Experian, and XXXX all delivered and signed for XX/XX/21 concerning inaccurate reporting on my consumer report

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 2020-06-12
Company: Continental Credit Control
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
As a Federally Protected Consumer, the Original Creditor, and its Principal and Authorized Representative for on all accounts created by my seal/signature, As of the date of this letter you XXXX XXXX has violated FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 623 ( b ) ( 2 ) and 61 1 ( a ) ( 1 ) The CRA must give you all the relevant information within five business days, have also violated Section code 605 ( b ) Block of information resulting from identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: AR Resources, Inc.
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XX/XX/XXXX I visited XXXX XXXX Hospital XXXX. I have received XXXX bill for this service within the last XXXX weeks for {$2900.00}. Today ( XX/XX/XXXX ) I received a phone call from a debt collection agency, and several previous attempts were made to contact me this past week. XXXX XXXX at AR Recourses XXXX Inc., informed me that I additionally owe the doctors that treated me on XX/XX/XXXX an amount of approximately {$1200.00}. I told him that I have n't received a bill for this amount, and he informed me that XXXX was sent out on XX/XX/XXXX. He informed me that I had XXXX days to pay or he would report it to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: Coinbase, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XXXX XXXX, 2018 I purchased XXXX ETH and XXXX LTC for {$2100.00} USD and {$860.00} USD respectively through https : //www.coinbase.com. On their site, they indicate they advertise that after business 3-5 days, the ACH payment will process, and then they will provide the currency " instantly '' once the bank processes the payment ( see photo 3 for their advertisement of the process ). Based upon their advertising, my understanding was that I would receive the ETH and LTC within 3-5 business days from the time the ACH was initiated. On XX/XX/XXXX, the funds for the aforementioned purchases went out ( see image 4 ). At the very latest, per their advertisement ( image 3 ), funds should have been available by that friday, XX/XX/XXXX. By not having access to my funds and by falsely advertising when my funds would be available, I have experienced a tangible loss in value as the value of ETH & LTC have fallen substantially. Numerous other instances of Coinbase defrauding customers and cancelling or delaying transactions when it is convenient to them can be found online. I believe they are buying currency and fulfilling orders as the price suits them, rather than at the appropriate time when the funds are received per their advertised image 3. Customer support has been completely unresponsive to any inquiries and I 've received no responses from them. 

There has been no action from Coinbase despite taking my money 7 business days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: Experian Information Solutions Inc.
State: MN
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 for a year now being reporting fraud account on my credit report and supplied experian with the police report they requested and they still have not removed the fraud account. 

Account name XXXX XXXX XXXX Account number XXXX .... 
Recent balance {$12000.00} as of XX/XX/XXXX Date opened XX/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 explanation
Consumer complaint received 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
TransUnion, XXXX and XXXX are showing a XXXX XXXX and XXXX  XXXX bankruptcy on my credit report that they have stated that the data Furniture of the information is a XXXX Bankruptcy XXXX in the XXXX XXXX of Texas. I have reached out to the bankruptcy court and they have sent me a letter which I have attached test clearly states that they do not provide any information to any third-party collection agencies or any credit monitoring services. They also stated they do not validate any bankruptcies with any other outside companies. I have challenge this information repeatedly with all three credit bureau, and they have refuse to remove the information from my report. These companies are falsely reporting this information, and must remove this, according to the fair credit reporting act. this information has been damaging to my credit reputation in his cost me several opportunities of employment with very reputable. The display of this information is also cause me to be lose out on several real estate deals that I could not get funding for due to the nature of the items on my credit report.

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 2020-06-12
Company: Perfection Collection
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX has placed an account with Perfection Collection XXXX. Someone opened an account with this home security company in my name. The balance is {$3400.00} I sent transunion a copy of the police report however they refuse to remove the account in addition. The collection company states that they will not remove this account unless someone is prosecuted for the crime. They would not accept a copy of the police report.

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 non-monetary relief
Consumer complaint received 2018-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
The balance of my student loan has been paid from XX/XX/XXXX to XX/XX/XXXX of a total of {$23000.00}. 

In XX/XX/XXXX and XX/XX/XXXX the payments were late and shows on my credit score.

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 2020-06-12
Company: MoneyLion 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:
On XX/XX/XXXX I reviewed my account with moneylion and according to my payment history I was not late on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as Monwylion is reporting on all 3 major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, my spouse and I certified mailed a proof of mailing and information request to USAA FEDERAL SAVINGS BANK. The communication was received on XX/XX/XXXX. Attached is the communication and proof of delivery. 

The communication simply requested information in regards to a consumer credit transaction that we entered into with USAA FEDERAL SAVINGS BANK on or around XX/XX/XXXX with the account # : XXXX. We requested to see a copy of the consumer credit contract, copy of the arbitration agreement if any, copy of any other documents on file bearing our signatures, the accounting for the account reflecting payments, credits and adjustments, and a clarifying statement of USAA FEDERAL SAVINGS BANKs role in this transaction. 

It has been over a month and we have yet to receive any information in regards to this request for information. It is our belief that USAA FEDERAL SAVINGS BANK does not have the original contract that bears our wet signatures. Therefore we would have no alleged obligation to pay an alleged debt owed to USAA FEDERAL SAVINGS BANK as there is no evidence of indebtedness. 

We also believe that the consumer credit contract is an instrument which evidences or embodies a debt. Our indorsement on the consumer credit contract is evidence of a debt. The consumer credit contract is a financial asset because the contract is an instrument that conveys to one entity a contractual right to receive cash or another financial instrument from another entity. We gave USAA FEDERAL SAVINGS BANK a financial asset that the INTERNAL REVENUE SERVICE ( IRS ) deems as payment. Therefore, our indorsement on the consumer credit contract fulfilled our legal obligation to pay. Lack of proper and full disclosures led us to improperly transfer funds electronically using our personal debit information that has caused us financial injury.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03
Company: NAVY FEDERAL CREDIT UNION
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XXXX XXXX, I called Navy Federal Credit Union in regards to my auto loan account stating that I owed around XXXX dollars by XXXX XXXX, 2016. I called to inquire why this was. NFCU stated that my loan was up and I need to pay that amount by the XXXX of XXXX no if ands or buts. I stated to the Rep that I was unable to do that and I stated that I could continue to pay the XXXX for the rest of the loan. She said no and I could get the car refinanced, I stated " OK '' and she proceed to give her my information. She came back and said my payments would be around XXXX for 6 months. She said this will take around for days to be processed and updated. I have not heard back from NFCU, believing they do not care and only want there money. When my accounts are past due NFCU limits my ability to log on the account. after also reviewing my loan account, its looks like NFCU has charged me over the life of the account numerous unnecessary fees of XXXX to bring my balance up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-23
Company: AmeriHome Mortgage Company, LLC
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan appeared to be transferred or sold to another servicer, and I was never notified in advance. In addition to this, I can not get in contact with a real human being at Amerihome Mortgage to talk about this.

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 2022-01-03
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: Credit inquiries on your report that you don't recognize

Complaint:
I have sent XXXX different letters and spoke with a TransUnion representative a handful of times trying to get unauthorized and fraudulent inquiries removed from my credit report. This is my second complaint. I have also called the consumers who in turn tell me to call the credit bureaus. Like a vicious circle of complete lack of help. The following are unauthorized and fraudulent inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
the Credit Reporting Agencies are showing a judgement for treatment at hospital. I have NEVER been treated at XXXX 's XXXX XXXX ( Hospital ) and I provided them with evidence to proving that the debt does not belong to me. I pay my bills on time and have good credit other than this judgement. I need the CFBP to assist me to get this off my credit, it 's a terrible that the Credit Reporting Agency are allowed to report information that WRONG. They should not be allowed to have such a terrible impact on Responsible Consumer lives. I am relying on the CFBP to assist me to get this resolved. 
Thank you in advance for your assistance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16
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: Public record information inaccurate

Complaint:
XXXX, XXXX and Experian is reporting a Bankruptcy on my credit report and they have put in the data furnisher as being the U.S. Bankruptcy Court XXXX XXXX of Ohio which is false. I have attached a letter from the U. S. Bankruptcy Court Of Ohio verifying and stating that they do no furnish information over to the Credit Bureaus or any credit Monitoring Services nor do they verify, validate any information concerning Bankruptcy. XXXX, XXXX and Experian is falsely stating this information and yet to remove this from my credit report.

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 2022-05-16
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
XXXX, Equifax and XXXX is reporting a Bankruptcy on my credit report and they have put in the data furnisher as being the U.S. Bankruptcy Court Northern District of Ohio which is false. I have attached a letter from the U. S. Bankruptcy Court Of Ohio verifying and stating that they do no furnish information over to the Credit Bureaus or any credit Monitoring Services nor do they verify, validate any information concerning Bankruptcy. XXXX, Equifax and XXXX is falsely stating this information and yet to remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: Hillcrest Davidson & Associates
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
They are trying to collect a balance on an account that was canceled, but the company continued to bill me. Once the company was contacted regarding this they refused to reversed the charges and referred the case to a collections agency, who has submitted negative remarks on my credit report. Every single other account I have is paid in full and I have no problems paying my debts, but this was not an authorized charge that they are trying to collect and this damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: Certified Services, Inc.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Certified Services, XXXX XXXX XXXX XXXX, XXXX, XXXX ( XXXX ) XXXX was retained to collect a debt on behalf of XXXX. This debt was discharged in my Chapter XXXX, along with XXXX other accounts held by Certified Services. The other XXXX accounts were removed from my credit report, but even after an investigation by XXXX this account remains reported as an open collections account. I would like it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: CREDIT ACCEPTANCE CORPORATION
State: VA
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:
credit acceptance is not putting correct information on credit report they are saying I was late for XXXX and XXXX there are very behind in there reporting I have been late before with account but I have not been late on this account since XX/XX/2019 2019

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 2022-01-03
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
OnXXXX i called Comenity BankXXXX to request a payoff amount for that day. I was told I could use the online calculator to get the full payoff for that day. My statement balance was {$2200.00}. Comenity 's online payment option said the payoff for XX/XX/XXXX would be {$2300.00}. That's {$2200.00} for the balance and {$22.00} for interest ( I figured this out today XXXX ). I paid {$2300.00} in full that afternoon. On XX/XX/XXXX, Comenity/XXXX credited my account with {$22.00}. I called Comenity to ask why I received the money. The operator said it was an overpayment. On XX/XX/XXXX, I checked my credit report and noticed my payment still was not posted on all three credit bureaus. On XX/XX/XXXX, I called Comenity/XXXX billing to ask about the credit reporting and I was told I owed {$22.00}. The representative said the fee was because I didn't pay my bill in full in XX/XX/XXXX and that was the fee. After great frustration I asked to speak with a supervisor. She came on and said basically the same thing. She refused to say that they may have made a mistake. She said the fee was because I didn't pay my bill in full for XX/XX/XXXX. She also said the representative on XX/XX/XXXX said I requested a refund. I did not. They said I over paid. She acknowledges it takes 2-3 for a refund to post, but somehow this was instant. At this point, I feel that I was over charged. Instead of marking my account paid in full I have been told 6 different stories. I want this {$22.00} cleared off my account and my credit report to accurately reflect that I paid my bill on time and in full on XX/XX/XXXX.

Company response to consumer: Closed with explanation