BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-26
Company: OneMain Finance Corporation
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. 
[ XXXX XXXX I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. I is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable te provide that proof, or if lacking proof of these payments being late. please update my_payment history to PAANL status ( Paid As Agreed Never Late ) according to consumer protection laws

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I HAVE BEEN CURRENT WITH MY MORTGAGE PAYMENTS FOR XXXX  YEARS. COMMUNITY LOAN SERVICING BAYVIEW LOAN SERVICING, LOAN # XXXX HAS BEEN TRANSFERRING MY LOAN TO SEVERAL LOAN SERVICING COMPANIES WITHOUT INFORMING ME ABOUT THEIR DECISSIONS. IN XX/XX/2022 THEY TRANSFERRED IT TO XXXX XXXX XXXX. THE PAYOFF AMOUNT WAS {$170000.00} AS OF XX/XX/2022 BUT NOW IT IS {$180000.00} AS OF TODAY, FOR THE LAST XXXX  MONTHS THEY INCREASED THE PAYOFF AMOUNT SUSTANTIALLY. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX OF XXXX XXXX XXXX WERE TELLING ME THAT THEY WERE WORKING ON MY LOAN MODIFICATION TO GET MY MONTHLY PAYMENTS STABLISHED AND WITH SAME TERMS AND CONDITIONS. THEY ASKED ME IF {$650.00} MONTHLY PAYMENTS WAS OK WITH ME i ANSWERED YES. I REQUEST THAT MY MORTGAGE ACCOUNT STAYS WITH COMMUNITY LOAN SERVICING BAYVIEW LOAN SERVICINB SINCE THEY WERE OFFERING ME HELP THROUGH THE GOVERNMENT PROGRAM SINCE I LOST MY JOB DUE TO XXXX. PLEASE I NEED TO FINISH WITH THIS NIGHTMARE. I AM A SENIOR CITIZEN DREAMING ABOUT TO HAVING SOME PEACE OF MIND AT MY AGE. GOVERNMENT PROGRAM WAS OFFERED TO ALL CITIZENS WHO LOST THEIR JOBS DUE TO XXXX  TO AVOID LOOSING THEIR HOMES AND I HOPE THIS GOVERNMENT PROGRAM REALLY IS TO HELP US TO KEEP OUR HOMES. I WORKED VERY VERY HEARD TO RAISE MY CHILDREN AS A SINGLE MOTHER AND ALSO PAYING MY MORTGE ON TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: EQUIFAX, INC.
State: TX
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:
I have expressed to XXXX XXXX credit card company that they were not reporting any accurate information. This is a fraudulent account and it has ruined my character. I have requested in writing by mail certified that they would stop reporting any and accurate information to the cra 's yet and still they are still reporting inaccurate information to the CRA 's. There has not been any information verified according to the CFPB compliance with consumers. All of this is caused by a lot of stress and harm to my well being as far as attaining a home and other essential services.. Please stop violating me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Experian Information Solutions Inc.
State: NC
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  : {$16000.00} ; XXXX XXXX XXXX XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX 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 2023-03-30
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX of 2022, I placed an order from a wine merchant in Florida using my mastercard, a credit card issued by Barclays for the amount of {$320.00}. Merchant used XXXX as the shipper for the wine using a XXXX  tracking number. Before the order arrived, I've contacted the merchant and told them that I will cancel my order. They accepted my decision and approved the return. The merchant contacted XXXX  generating a second tracking number for the wine that was being returned to its origination, XXXX, Florida. The merchandise arrived on XX/XX/2022 by XXXX in XXXX, Florida. The merchant never applied the due credit in the amount of {$320.00}. 

I then disputed the {$320.00} with the bank explaining to them the history of this merchandise. My case never received the attention it needed to properly resolve the issues and Barclays dropped the case saying that they could not resolve my situation with the merchant.

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 monetary relief
Consumer complaint received 2023-03-29
Company: Northstar Location Services, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Northstar location services has been calling my workplace on a daily basis. I do not have record of date and time, but I have told them on a previous phone call that I am not able to take their calls at work, absolutely no exceptions. 

To date, they have left two voicemails stating they are a debt collector on a shared voicemail in the workplace. I have audio files and voicemail transcription available from voicemails on XX/XX/2023 and XX/XX/2023. I am able to provide the e-mails with transcriptions, as the mailbox they were delivered to is a shared e-mail at the workplace. 

The violation of my privacy has been very upsetting, especially as it has occurred on multiple occasions. 

I have sent a message to the company asking for steps to ensure my workplace is no longer contacted, but they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX ( XXXX ) Amount : {$2100.00} 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 a account without my written instructions * 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

* 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable caus
e to believe that the information is inaccurate.

The credit bureaus keep disregarding the laws. According to 15 USC1681i ( 5 ) & 15 U.S.C. 1681s-2 ( A ) ( 1 ) the credit bureaus said everything was complete and accurate and I asked them how if the contact information is wrong and the IP address doesn't track to me. This violation after violation is causing me anxiety and a lot of stress as I have no faith with this system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: CAINE & WEINER COMPANY, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I AM A VITCIM OF IDENTITY THEFT. I HAD NO KNOWLEGDDE OF THESE ACCOUNTS. THESE ACCOUNTS LISTED ELOW WERE OPEN FRAUDELENTLY. 


CAINE & WEINER # XXXX Balance {$500.00}. 
XXXX XXXX & XXXX # XXXX. 
XXXX XXXX # XXXX Balance {$2100.00}. 
XXXX XXXX # XXXX Balance {$24000.00}. 
XXXX XXXX # XXXX Balance {$84.00}. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX. {$2500.00}. 
XXXX XXXX XXXX. Balance {$3300.00}. 

ATTACH TO THE COMPLAINT IS MY IDENTITY THEFT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: EQUIFAX, INC.
State: MI
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: Investigation took more than 30 days

Complaint:
I sent a letter multiple times to XXXX, XXXX, and Equifax. Here are my tracking numbers : USPS Tracking XXXX, USPS Tracking XXXX, USPS Tracking XXXX, USPS Tracking XXXX, USPS Tracking XXXX, and USPS Tracking XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I discovered multiple billing errors under 15 U.S Code 1666 ( b ) billing error, including the creditor 's failure to properly reflect a payment made by me and a computation error on a statement. 

Despite my initial request, I have not received any hard proof from the creditor 's bank account that proves I did not pay and was marked late. Therefore, I am still adamant that these errors were purely billing errors, and I urge you to rectify them promptly. 

Furthermore, I request that the following items be updated on my consumer report, as agreed As a consumer, I have the right to have these accounts updated immediately, in compliance with the law. Failure to do so may result in me seeking monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Experian Information Solutions Inc.
State: MI
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:
I have a credit card account with XXXX XXXX. I have had it for over 10 years. I have perfect credit history with no a single missed payment in the past 18 years. I had set up auto pay on the account years ago, and have been making payments on the account proactively ever since I have had it. I stopped using the card months ago due to issues with the website ; however, it appears a couple of transactions came through unexpectedly and triggered a payment for {$80.00}. Since I had set up auto pay years ago ( probably over a decade ago ) I expected any transactions that come through to be paid automatically. However, it seems that feature had somehow turned off, and I didn't receive any sort of notifications on my updated email to indicate the payment is late. In fact, I only found out after it hit my credit report and XXXX XXXX  alerted me to a change on my profile. The bank had reported the transaction as late 30 days. I contacted the bank to no avail, as no one was willing to even entertain the thought of helping. I of course made a payment immediately to pay it off since it was an insignificant amount, but the bank refused to remove the derogatory hit, event though this was the result of a banking error since the auto pay was somehow removed from my account. I request for the bank to remove the reporting of the 30 days late from my credit 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 explanation
Consumer complaint received 2023-03-29
Company: EQUIFAX, 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 information incorrect

Complaint:
XXXX XXXX # : XXXX This account is fraud. I did not open this account nor authorize anyone to open this account on my behalf. Please delete from my credit asap. 
This has been an ongoing issue without resolution. Please delete asap. Please see the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: CITIBANK, N.A.
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I have already filed complaint XXXX with CFPB and Citi promised to resolve this issue with me- to deposit {$2000.00} in my account. I sent them the W-9 they requested - TWICE and thought the funds were in my account and closed the account. Later I discovered that the funds were never posted to the account. Now Citi is stating that the W-9 needed to get " certified '' whatever that means. I don't know why this was not all done when I first opened the account. Citi needs to allow me to reopen the acct and then deposit the money they owe me. 
Please see complaint XXXX for full details.

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 2023-03-29
Company: North State Acceptance, LLC
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company has stated that they had a right to run a credit report however they did not have my legal permission to run the credit report. Nor did they confirm my address needed for the credit report has they have not documentation from me that the address that they used was my physical address. As far as the 4 mileages concern, they have record that the address that they had on file was my correct address as the documentation they have uploaded has the correct address. As they have lied about the mileage distance from the old address to the new address. Both documents clearly have two different addresses. It is the company 's obligation to keep track and comprehend all the information that they receive and send out to their customers. Falsely accusing a customer of not holding insurance that was obtained at the time. You all repossessed the vehicle in XXXX, and I got the vehicle back the same day. Do make sure that your information is accurate. I had XXXX  yes and you all still received money at the XXXXXXXX XXXX  location before you all had closed that location. Then later accepting multiple payments past XXXX of XXXX per month. which I have receipts for to repossess the vehicle in XXXX and lie and say I missed a payment in XXXX after already receiving payment is scamming and horrible integrity has a company. Then you not only repossessed from my home. You sent me mail three days after the repossession that I owed a payment of XXXX and warning me of a repossession after i've been paying XXXX. My mother was listed as a reference not my legal address and you physically went and harassed her during the first repossession. By law in the state of North Carolina Fair Debt Collection Practices Act 58 70 100. Harassment. No collection agency shall use any conduct, the natural consequence of which is to oppress, harass, or abuse any person in connection with the attempt to collect any debt. By law North state acceptance should have contacted me and requested for permission especially putting a po box address as my address. For future reference since you have not received a notarize documentation from me with signature of an updated address and placed a non-resident address on my credit report after never receiving a written notice from me regarding an updated address. Also using my social security number without my permission especially since I had a credit freeze you illegally ran my credit on XX/XX/2023 during the freeze and used my social without my consent and XXXX has it documented, and it has been reported as identity theft. Now a fraud claim has been filed and lawsuit in action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 2023-03-29
Company: EQUIFAX, INC.
State: CA
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:
Equifax is furnishing accounts on my consumer report that is a result of an alleged identity theft. The accounts are information that does not relate to any transactions by myself and I did not benefit from them. I sent XXXX a written correspondence which included my proof of identity, an identity theft report, identification of such information and as statement as the law requires. They are required to block and delete these accounts within 4 business days or receiving my notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: EQUIFAX, INC.
State: SC
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 am told that i must get confirmation from the creditor who placed the information on my report but the creditor referred meto the the credit reporting agency. 

I am expected to go through extreme measures to remove inquiries that i do not recognize but it took them only a few seconds to place the misinformation on my report that was not confirmed by me. 

The reporting agencies are supposed to protect the consumer but it is clear that the their loyalty belongs to the those who pay them and keep them financially solvent. 

If the credit reporting agencies are no protecting the consumer, why do they exist. Maybe they should be disbanded or the inquiry reporting done away with so that it is no longer an impossible challenge when the consumer is faced with fraud and unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Coinbase, Inc.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Coinbase has wrongfully edited the name on my account to something inaccurate and offensive. I have contacted them multiple times, with valid identification, to change the name. They refuse to do it, and keep sending me in an endless circle of emails/auto-generated nonsense. 

My name was accurately reflected as of XX/XX/XXXX. I lost access to my account in early XX/XX/XXXX and I was forced to attempt to re-verify my account. This required 4-5 emails back and forth with them over a 2 weeks period XXXX. Upon successfully accessing my account, I found that they had changed my legal name on the account to the offensive and inaccurate name. I have now spent a few hours today attempting to get them to correct this, and they keep sending me endless circles. Fraudulent changing the name on a customer account is a pretty serious issue, and one that should lead to regulation of this trash company.

Company response to consumer: Closed with explanation