BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-06
Company: EQUIFAX, 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:
My name is XXXX XXXX. A victim of identity theft a long time ago. After that incident there were incorrect and inaccurate items that appeared in my report. Please delete all of the following ACCOUNTS and INQUIRIES from my credit report immediately. Besides these items, also delete the incorrect addresses that I did not live in and I do not go by. They are all a result of ID theft. Please remove these items which are not as soon as possible. Please see attached IDENTITY THEFT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX reported an existing and overdue balance of {$58.00} to a Collections agency from an account that had been closed in good standing many years prior. I paid the existing balance when called by the Collections agency but since then my credit has been negatively affected. I have spoken with XXXX about removing this from my credit report and they agreed to do so ( and emailed me a confirmation of that discussion ). However, after 30 days, the negative account remains and the credit agencies insist this must be pulled back from XXXX. I have exhausted all methods of communication to have this erroneously reported delinquency removed from my account.

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 2017-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been disputing multiple fraudulent accounts on my credit reports with XXXX, XXXX and Transunion to no avail. I have sent in verifiable proof multiple including identity theft affidavit and police reports, yet the credit report agencies have not deleted this information in over a year of multiple dispute attempts over the past two years. 

They continue to state that these accounts have been verified by the creditor but when I ask for proof of verification, they never send the proof to me to validate there results. These are all fraudulent accounts! I am in process of filing a lawsuit against these reporting agencies if they do not delete these accounts. I have been harmed by their misrepresentation and my credit has been destroyed.

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 2015-06-29
Company: Focus Holding Company
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
FOCUS HAS VIOLATED THE T.C.P.A. CALL MY NUMBERS AT ( XXXX ) XXXX IN VIOLATION OF FDCPA! HAVE PHONE RECORDS ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Aldous & Associates, PLLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I used to live in XXXX XXXX and used to go to XXXX XXXX, but during a pandemic, they closed the gym and their services, and I stopped going and moved to XXXX. They want me to pay XXXX dollars for the service I never used

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: Radius Global Solutions LLC
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
On Thursday, XXXX XXXX, I was contact via the phone ( 3 ) times from this collection company representing themselves as CENTRAL CREDIT SERVICES representing what they stated as their client XXXX XXXX concerning a debt. Apparently, XXXX XXXX sold this collection company this debt that originated from an XXXX XXXX credit card account that was opened and subsequently utilized using my personal information in a fraudulent manner. 

I first got wind of this account, along with several other accounts ( XXXX ) that were opened using my social security number and sent to an address in XXXX, Texas to which I have never resided. Furthermore, when I first came to realize this XX/XX/2016, I immediately notified XXXX both over the phone and in writing via the CFPB portal, CASE # : ( XXXX ) regarding this fraudulent debt. On XXXX XXXX, they responded that they were investigating these accounts and would get back with me accordingly. 

At this juncture, they have assigned this debt to their collection company ( CENTRAL CREDIT SERVICES ) to which I am disputing as Fraud. 

Regards, 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 2015-05-05
Company: Dynamic Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a phone call from XXXX Solutions who was trying to collect a credit card debt from XXXX XXXX Bank XXXX {$1400.00} that they claim the principle balance is {$490.00} from XX/XX/2001, and the last payment was in XXXX XX/XX/2001. I told them this is over XXXX years ago and I am not familiar with this debt, and have no memory of the debt. In addition the name on the account was not accurate. The collector acknowledged the statute of limitations had expired, and that they do not report to the credit bureau, or file legal action, however, the debt is owed. I explained I have no recollection of the debt and do not contact me any further. They also were trying to initially collect on a duplicate bill, yet, admitted it was a duplicate bill.

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 2017-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In XX/XX/2016 I received all XXXX credit reports and noticed a collection account by XXXX, collecting for XXXX, stated I owed {$1100.00}. Knowing this did not belong to me I initiated a dipute with all XXXX reporting agencies. XXXX and XXXX removed the account, but TransUnion did not. XXXX will not release any of my records I requested to prove it was mine including signatures and ID. I filed complaint with them also. This is not my account and I want it removed.

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 2017-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Transunion is reporting my an overall debt increased that resulted on my FICO score decreasing by over XXXX points. This information is incorrect! I 've been reducing my debt significantly monthly. On personal loans and car loans alone, my debt decreases over XXXX dollars monthly. Yet because I made use of XXXX credit cards last month by an amount much lower than what I paid to several accounts lowering my debt, this company decreased my FICO score. I believe this practice is deceptive. If I understand correctly the FICO score is calculated from XXXX factors. I submitted a dispute but I do n't feel confident nor do I trust Transunion to resolve this issue.

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 2015-07-24
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Navient Solutions Inc. XXXX {$15.00}, XXXXXXXXI am disputing the validity of this debt for unfair and deceptive practices. Navient Solutions, formerly XXXX XXXX, has not provided an accounting of interest paid, the loan interest rate, or account statements that detail the payment allocation and/or payment methodology at any time during this loan. 

This loan originated in XXXX 2005 in the amount of $ XXXX. Other than XXXX forbearance period of less than 6 months, this loan was paid on time for more than 9 years with payments ranging from $ XXXX {$250.00} ; with 96 months of payments at {$240.00} the amount paid on the loan is in excess of $ XXXX, yet the current amount due according to Navient is more than $ XXXX, more than the amount initially borrowed. 

I can provide bank statements as proof of payment history as payments with automatically debited from the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Credit report shows XXXX different social security number under my report in personal information section. I disputed different social security number shows up in my report but credit reporting company said they can not remove it because that information is coming from the lender. And because it is XXXX digit different they were thinking some of lender 's operator made a simple mistake during their input process so considered it as minor, but It is not minor problem to me. I am an XXXX military XXXX and during my background investigation they found XXXX different social security numbers and the government is considering me as some type of cheater or dishonest personnel and possibly losing my career with this silly mistake someone made.

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 2017-04-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Dear Experian, Re : XXXX Account XXXX I am contacting you because I have found some information that is inaccurate on my credit report. 

1. This is a secured account. On XXXX, I contacted XXXX and told them that I wished to get records on the account. 
2. They did not respond. When I ran my credit later I saw that they were reporting me as late. That made no sense. 
3. I contacted them and after a while they did n't respond. 
4. After begging them, there was no resolution. 
5. I sent them a demand directly. 
6. They did n't reply and are reporting incorrect on your bureau. 
7. That is impossible. The other XXXX bureaus show as never late, and your bureau shows as late. 

The account was never paid late as it is reported. I request that you remove any inaccurate information from my credit report as quickly as possible. 


This is really causing me a lot of XXXX trying to fix this companies mistakes is taking countless hours. Further more I am a XXXX citizen. 

I do n't know why I must spend so many hours trying to fix the late payment that VCB as reported on my Credit Report. 

I 'm requesting that you remove the items from my Credit Report. 

After doing so please provide me with an updated credit report reflecting the changes. 


SEE ATTACHED

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 2016-03-15
Company: Dynamic Recovery Solutions, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a collection correspondence from Dynamic Recovery Solutions indicating I owed {$2200.00} to them on behalf of XXXX XXXX XXXX from XXXX its states XXXX XXXX XXXX XXXX XXXX XXXX the current creditor. The current account # is XXXX, I dont know where this information is coming from, am unfamiliar with the debt and its not on my credit report, I 'm a federal employee whos information has been breached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Wells Fargo bank continues to charge my personal checking account with NSF fees, it is now over {$700.00} i called and made a payment arrangement to pay for the amount overdrawn and i requested to see if I qualified for a waiver. they said no and they continue to charge me for fees when they are not honoring the payments so theres no way they can block the charges and they dont want to credit me for the NSF 's even when they are not paying out any of the payments. this is abusive and predatory, they are unwilling to work with me even after i made an arrangement to brign this account current.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo sent me a letter stating my escrow account has a shortage of {$680.00}. my payment now is {$800.00}. If I pay the shortage the new payment will be XXXX, a {$49.00} difference. If I do n't pay it, my payment will be {$910.00}. An increase of {$100.00}. this is not the first time this has happened. The same thing happened the second year after we bought the house. I have bought a house before this one and never had a problem like this. There was never more than a {$25.00} difference each year. I just feel that Wells Fargo is XXXX me around.

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 2016-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I was one of those people who went Bank of America was in legal problems I got my second mortgage wrote off in XXXX. I borrowed XXXX in XXXX and had XXXX mortgages and had an escrow that paid my taxes and my homeowners insurance. I got behind and filed chapter 13, so that i did n't lose my home. I was placed with XXXX and they ended up working with me so I dropped my bankruptcy and we did a loan modification in XXXX. After 2 years of paying on time my loan went back to Bank of America. Bank of America shows a non-interest bearing principal balance of XXXX, making me owe after paying payment for 10 years, XXXX. I have called and called and no one can tell me what this balance is from and how it came to be. Bank of America says it came from XXXX and XXXX says no it was given to them when the loan was put with them from Bank of America. No one can tell me where the XXXX mortgage of XXXX was written off. I have from XXXX XXXX that i filed with my taxes saying it was written off, Now on XX/XX/XXXX i get a letter from Bank of America saying I have no homeowners insurance. I call my homeowners they state they cancelled me in XXXX when they did n't receive my escrow payment. Bank of Ameria says it 's XXXX fault, XXXX says they do not service me any longer I need to get this information from Bank of America. I am now struggling to find insurance, and thank XXXX, nothing happened all last year. I have written contract from my original loan, included in my loan is escrow for taxes and insurance. No one will answer me on either of these really serious problems I, the consumer am having to deal with.

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 2015-04-06
Company: Coinbase, Inc.
State: FL
Product: Virtual currency
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Hi, I purchased bitcoins from a website coinbase.com. The purchased bitcoins are supposed to be available four business days after purchase. I made a purchase on XXXX/XXXX/2015. It has been four business days and the bitcoins are not available to me. Further, the money has been deducted from my bank account for over two days as of this writing. ( Their justification for the 4 day delay is the transfer time from my bank account )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: Prosper Marketplace, Inc.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
I received a letter from Prosper.com telling me I was pre-approved for a personal loan. When I went online and entered my confirmation code they said I could not get a loan at this time. Then they tried to redirect me to another loan program. I see invitations for credit cards and other types of loans all the time. None of them explicitly state that I was pre-approved for a loan. Prosper.com is definitely trying to mislead the public in their advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Capital One is trying to sue me after 8 years I collected the debt in XXXX ( SOL 6 years ) Moved to XXXX 5 years ago ( SOL 6 years ) XXXX has a borrowing statute So in XX/XX/XXXX it will be a total of 8 years

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: Pacific Collections
State: GU
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:
a credit report was submitted into XXXX that was not mine ( if there is a social security number that comes along with that report then they should have verified it to see if it was mine ) on XXXX/XXXX/2012 from XXXX XXXX XXXX XXXX in XXXX. under the original Creditor : XXXX XXXX XXXX, Account number XXXX. I checked with the Collection Agency and I was told that it had a different SSN under the same name. The supervisor told me he would clear that up three weeks ago, but I did not see any change in my report.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-03
Company: Conn's, Inc.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have requested a payment ledger from Conn 's, for XXXX separate accounts, on three separate occasions. The first being XX/XX/2017 via a message on their website and I followed up with 2 separate phone calls on XX/XX/2017 and XX/XX/2017. I have yet to receive anything in the mail. I have reason to believe they are retaliating against me because I filed a complaint with a government agency for another account I had with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
checking XXXX and it says i have one duragatory mark in the XXXX but not XXXX?? for a american medical collection, that was paid awhile ago for XXXX $???? this is affecting my credit scores

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My student loan interest seems to be extremely high. It is getting more difficult to enter a payment plan that I can reasonably pay every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: Whetstone Partners, LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
A former room mate of mine put me as a personal reference on a loan for a company called " XXXX XXXX XXXX. '' It 's been over two years since he 's moved out and I do n't even know his phone number. I have told them this repeatedly and they call every two or three weeks asking me if I know where he is. They have been doing this for over a year now. They keep telling me the same thing, that he put me down as a reference. I never signed anything or even knew of this company until they started calling. I have blocked their calls on my phone but they still leave voice mails constantly.

Company response to consumer: Untimely response
Consumer complaint received 2017-01-26
Company: Mobiloans, LLC
State: OH
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
Mobiloans , LLC is an online payday loan company. Mobiloans has filed a derogatory report to the credit bureau 's for a loan that is not mine. I have contacted Mobiloans on multiple occasions requesting validation as required by law to no avail. Mobiloans has nothing with my signature on it indicating that i personally applied for this loan, nor that I agreed to repay any loan. After submitting my complaint and dispute to their account support and account dispute division they chose to charge the account off and file a negative report to the XXXX credit bureau. 
Mobiloans resorted to tactics of harassing me by phone and threats of ruining my credit if they were not paid. These tactics and method were numerous and documented by me.

Company response to consumer: Untimely response
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I was never notified interest will accrue on loans when I was in school. That interest accrued and capitalized. I have been paying loans back since 2009 ( approx. $ XXXX/month ) and I have not even hit the principal on my private loans. I was talked into a forbearance a few times although it was not a good move for me because again the interest accrued. There were many many times when I pulled my statement and it showed {$1.00} went towards principal and the remainder of the payment went towards interest. At this rate I will pay back over {>= $1,000,000} for college because of these guys and how they apply my payments! They are all rude and they are all XXXX.

Company response to consumer: Closed with explanation