BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-25
Company: Harpeth Financial Services, LLC
State: TN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Advance Financial has automatically debited my account for XXXX payments on another persons account. I helped this person out previously by paying her payment. However, I was never co-signer and I am not responsible for her account. Without my permission they have withdrawn XXXX payments on 1 day for her account. I would like to know if there is anything I can do against this. at this point they are saying they can refund me in 3-5 business days, but in that time i have bills due.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
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: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2022 but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The account listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Experian Information Solutions Inc.
State: CA
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:
Despite submitting multiple written requests with complete attachments of my personal information and credit reports, the requests I have sent out to Experian were consciously denied and neglected which I considered being unprofessional on their end.This is my 6th attempt to request all documents to be provided and issued to me. Notfulfillingmy request should result in immediate removal of the unauthorized inquiry listed below : XX/XX/XXXX Card Date of Inquiry 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 2020-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/20I contacted capital one regarding my credit cards account due to all my personal infobeing stolen. social, and bank card missing and XXXX card including my id At this time I had o balance when I spoke to them regarding this they told me notto worry and they would take care of the issue now its on my credit report where its states that a balance of {$690.00} is owed to them due. Dispute resolved by grantor. My score has very much decreased due to fraudulent activity and remarks on credit report this is the 2nd time they do this s

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Got a loan at Advance XXXX in XXXX, TN. was under the impression like every place you go you get a one time fee not a fee everytime you make a payment, been paying on this loan since XX/XX/2016 and has not got down not even a couple hundred have been paying {$200.00} e/o week and statements show i pay a customary fee of {$170.00} each time this is ridiculous how can they do business this way I 've paid more of customary fees than interest at this point, I also asked them about the installment loan which i thought that is what i got into looks like they did n't even do what I requested because they are just out to get people that dont know any better, I 've never had this happen to me before its really ridiculous that I owe more than what I actually borrowed 4 months later

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: First Data Corporation
State: PA
Product: Prepaid card
Sub-product: Payroll card
Issue: Fraud or scam

Complaint:
XXXX sent a money network card with {$1000.00} on the card. On Saturday XXXX XXXX, 2016 I received mail from Money Network stating to send in SS number and Id. I fax the information required and the hold still has not been released. XXXX also fax over document. The company is holding customer funds. and taking personal information from united state consumer. The hold was place on my account on XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: NAVY FEDERAL CREDIT UNION
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: Credit inquiries on your report that you don't recognize

Complaint:
Your credit inquiry is damaging my credit rating. Provide full documentation regarding the circumstances surrounding your review of my credit report, pursuant to the permissible purpose provisions of the Fair Credit Reporting Act, or remove this review immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was paid through the sale of my home. The balance paid resulted in an over payment. BBVA Compass indicated that they were to issue a refund to me, for {$1200.00} processed on the XXXX. I contacted them on the XXXX of XXXX to inquire where my refund was. I was told that the check was mailed on the XXXX of XXXX, and that I needed to fill out an affidavit of indemnity for them to reissue payment, and that they would directly deposit the funds afterward. I did so, and then followed up with them, at which point I was told that they had mailed the check a second time rather then placing it in my account. They indicated they would stop the second check and then deposit funds, and that I should hear back on the XXXX confirming the same. I did not hear from them, but did receive the first check on the XXXX, which they failed to mail until the XXXX despite their representation. It is absolutely unacceptable that they could not simply tell me that they had only mailed the check two days prior from Alabama. I would of course been upset that it took them that long, but this whole ordeal and comedy of errors could have been avoided. I called back again on the XXXX, and was told by a supervisor that my funds would be in my account Friday after business hours, the XXXX. On top of that, they mailed my 2nd check to the wrong address. I did not receive my funds as promised. I called them again today, and they of course ca n't get a supervisor on the line. I was told they would have a supervisor call me, and I have not received a call. I have tried dealing with them and I am fed up. If I owed this bank a delinquent payment I would be assessed fines and collection calls. This is ridiculous that they ca n't competently process a refund, and continue to make false promises.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-02
Company: EQUIFAX, 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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Per Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The account listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-08
Company: Kriya Capital, LLC
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I paid to them a bill that was owed, but I was told I would received an email verifying payment and received written statement that this bill was paid in full. I have received NOTHING CONFIRMING my payment. Glad I paid by credit card.!!!!!! I want my proof I am PAID IN FULL!!!!!!!!

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 2016-11-09
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
After numerous attempts to contact XXXX and XXXX of company reporting on both agencies, the said company " Account Resolution Service '' A.K.A " ARS '' listed on my credit consumer reports will be removed and then reappear weeks later. 
Cat and Mouse game. 
" ARS '' is now reporting as an original creditor, fraud! 
I have never signed a contract nor do I have acknowledgement of any service, product or repair with " ARS ''. 
I have informed XXXX and XXXX of this information, but still remains? 
Is it fraudulent of ARS to report as an original creditor when they are not? 
Also, why is n't ARS showing me a signature page that I have requested?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18
Company: The CMI Group, Inc.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I received a letter from " Credit Management , L.P. located at XXXX XXXX XXXX, XXXX, TX XXXX. They say they are collecting this debt for XXXX. The the amount is for {$500.00} for the year 2013. I contacted XXXX and they say they can not go back that far in their records. They also say this is a fraudulent account. I am also a victim of identity theft and I have a file located in the XXXX, NJ Police Department.

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 2022-06-02
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: Information belongs to someone else

Complaint:
I have been a victim of identity theft. I wanted to apply for a mortgage when I realized that I had an account with XXXX XXXX that was unauthorized by me. My personal info has been compromised in a the Equifax Data breach and my information has ended up on the dark web. This account does not belong to me and I did not open it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
I have been a victim of identity theft. I wanted to apply for a mortgage when I realized that I had an account with Capital One that was unauthorized by me. My personal info has been compromised in a the XXXX Data breach and my information has ended up on the dark web. This account does not belong to me and I did not open it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have repeatedly asked for evidence to support Experian 's reporting. However, the organization has failed to provide a copy of any supporting evidence that might substantiate its claims. Moreover, I have requested their method of verification and have not received evidence of compliance. This too is a violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). Still, there is no viable documented evidence that bears my signature and confirmation the accounts are accurately reported. 

Given the belief, this organization is acting in bad faith, by not complying with the Fair Credit Reporting Act, I have filed a formal grievance with the following : XXXX XXXX XXXX, Attorney Generals Office, and Federal Trade Commission. 

Experian is reporting incorrect and missing information. For instance, these items have the following : a ) incorrect account numbers, b ) inaccurate dates of activity, c ) inaccurate date of last update and d )  includes a collection account with a limit. 

According to an FTC Opinion Letter : XXXX : XXXX ; In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with section 609 [ of the Fair Credit Reporting Act ] because it does not provide accurate ( and perhaps not clear ) disclosure of all information in the 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 2022-06-02
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2022-06-02
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2015-11-30
Company: Kriya Capital, LLC
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Unknown to me, XXXX XXXX XXXX XXXX sent my closed account to a collection agency, Credence Resource Management, LLC. XXXX XXXX XXXX had not informed me of any bill due. I had no idea. In the meantime, Credence Resource Management calls me over a XXXX times a day from different phone numbers. They do n't leave messages and when I answer they will not tell me what the call is about. I asked and they said they could not disclose. These people have called day and night, weekends, evenings, mornings, at all times.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: The CMI Group, Inc.
State: WI
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:
Credit Management, L.P. of XXXX, TX XXXX Is attempting to collect {$220.00} on the behalf of XXXX XXXX XXXX when I have not had a XXXX XXXX XXXX account in some 17-18yrs. I check my credit report on a yearly bases and never has such a debt shown up even once. Yet this company is threatening to throw this on my credit reports at a time when credit worthiness is so vastly important to so much we as a society do, home-ownership, purchasing a car, paying for our children 's college education ( in my case ) -even to the point of being hired. The purchasing of debt-old debt in most cases, and illegally re-aging or using as leverage to force those of us desperate to not take the hit to our credit-even temporarily ( for even a XXXXpoint hit for 2-3months-can hurt a person looking to buy a house at that time ) needs to be enforced harder, with bolder penalties. For these are very real lives these companies are toying with. And Credit Management has been caught enough times doing this that they should know better and not be allowed to hide behind the " Ooops! We made a mistake '' excuse, while throwing the affected consumer sideways.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: VIRGINIA HOUSING DEVELOPMENT AUTHORITY
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We are still $ XXXX under water on our mortgage. I could not re-finance my VHDA loan. I asked numerous times for a solution. So we began the short sale process. We have a contract and PMI wants $ XXXX XXXX in {$150.00} a month payments for 100 months ). They finally offered a re-finance deal after I moved out ( {$300.00} a month lower for three years ). They are threatening to come after me for $ XXXX if I foreclose. I have {$8000.00} in savings and had maybe $ XXXX last time at this year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
They locked my account after a direct deposit and kept my money and wont give me access to my money {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
On XX/XX/2022 I made a transfer from my XXXX  wallet to Coinbase account for XXXX XXXX  which was valued at XXXX XXXX  which is XXXX XXXX. The transfer went into the Coinbase main account and not my personal Coinbase account. I contacted Coinbase customer service to resolve the issue with my transfer. Coinbase customer service is the worst. I opened multiple tickets ; XXXX on XX/XX/2022 via chat, yet there was no resolve. I made countless phone calls and opened the following tickets to try and resolve the issue, tickets ; XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. Coinbase kept my XXXX XXXX for almost 2 months. On XX/XX/2022, Coinbase transfered the incorrect value into my account. Coinbase transfered {$12.00} worth of XXXX  value at XXXX per XXXX. I have contacted customer service about this issue with proof and they are ignoring the issue. I was not given the correct value. I did not make the transfer on XX/XX/2022, I made the transfer on XX/XX/2022. Coinbase kept my XXXX XXXX for almost 2 months. Then i'm given the lowest value of XXXX? This is unethical and unacceptable.I gave Coinbase plenty of time yet the transfer amount does not reflect the accurate value when the original transfer was made on XX/XX/2022. I want the correct value of XXXX per XXXX which is {$23.00} that was made on XX/XX/2022. 

The value at the time of the transfer was {$23.00} at the time, this is what I expect. The cash value of the transfer was {$23.00} on XX/XX/2022. I'm looking for the value of the transfer on XX/XX/2022, which was XXXX per XXXX at the time. 

The hash of the original transfer is proved below. The transfer was done on XX/XX/2022. 


https : XXXX Other transfers where made on the same day and time. The value at that time is XXXX per XXXX. Coinbase owes me {$11.00} worth of XXXX. 

I opened multiple tickets with no resolve. This is the worst customer service experience. I submitted all the proof that this transfer happened on XX/XX/2022 and the correct amount is {$23.00} in XXXX. 

I want the correct value at the time of the transfer which was XXXX XXXX which equals to {$23.00} at the time. The transfer was done on XX/XX/2022 and the XXXX value was XXXX which had a total value of {$23.00}. I want the remaining balance of {$11.00} worth of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I HAVE A DEBT ON MY CREDIT REPORT FROM CREDIT MANGEMENT FOR XXXX STATING FROM XX/XX/2010 ON BEHALF OF XXXX. I CALLED CREDIT MANAGEMENT, THEY STATED THAT I DID N'T HAVE ANYTHING IN THEIR SYSTEM FOR THAT CREDITOR OR THAT AMOUNT FOR ME, YET THEY WILL NOT REMOVE IT. FROM MY XXXX CREDIT REPORT

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 2016-03-21
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage Co on paper said they paid my taxes for 2015 and has not done. They keep on saying they will. The name of the mortgage co that XXXX XXXX sold is SHELL MORTAGE SERVICING, XXXX, S.C XXXX -- XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation