BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-26
Company: AMERICAN HONDA FINANCE CORP
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The information you provided is different from other bureaus. This account is reporting late, yet it is closed and the balance is XXXX  as reported in my 3 Credit Bureaus. Also, please reinvestigate the whole information especially the account type, account status, payment status, comments, and payment history. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Movement Mortgage LLC
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I entered a forbearance plan with my mortgage company, Movement Mortgage. Shortly after, Movement Mortgage hit my credit with a 60 days late during the forbearance period of XX/XX/2021 to XX/XX/2021. I contacted them about the issue and they sent me a credit correction letter and assured me the information would be updated and it was temporarily. My credit was restored and the late reports were removed. I continued making payments as instructed by Movement Mortgage for the months XXXX, XXXX, and XX/XX/2021 and was officially removed from the forbearance plan. I then paid the remaining balance for the months missed in XXXX, XXXX, and XX/XX/2021 during the forbearance when I made the XX/XX/2021 payment. This particular payment in XXXX was for over {$12000.00}. Therefore, I was caught up completely and never paid anything late. Sometime after making the large payment in XXXX, Movement Mortgage reported another 60 day late to the credit bureaus, despite all my payments being made according to their direction. I have contacted the company ( Movement Mortgage ) for more than 30 days and have received no cooperation in fixing the matter. Movement Mortgage denies reporting late payments to the credit bureaus entirely. I have filed disputes with the credit bureaus and I am still waiting on the results from XXXX and XXXX. XXXX however, sustained the late notices on my account which has continued to negatively affect my credit and has prevented my wife and I from purchasing and financing a much needed vehicle. Furthermore, the documents submitted to XXXX by Movement Mortgage are inaccurate and do not show valid payment history as it was paid and received. Based on the above, the months for which I am being reported late should have been covered under the forbearance plan by law. I have copies of all of the documents required to prove this case with a doubt. It is my request to file a complaint with both Movement Mortgage and the XXXX reporting agency. I would also like these documents supporting my case to be afforded to XXXX and XXXX so that I may clear my name in this matter. Attached you will find redacted documents showing the payments being made from my bank account. You will also find a copies of the credit correction letter and forbearance letter sent to me from Movement Mortgage. I have included the delinquency pages from all three credit bureaus as well as the sustained results from XXXX. Thank you for time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 an unauthorized inquiry XXXX XXXX report from XXXX XXXX dated XX/XX/XXXX. I have tried unsuccessfully to get Transitions and XXXX XXXX to remove it. Both companies have received copy of FTC report I filed resulting in am extended fraud alert to my credit report. However, TransUnion refuses to even open a dispute claiming I need to contact XXXX XXXX ( which I did ). XXXX refusal to open an investigation is a violation of the FCRA. When reaching out to XXXX XXXX I was assured the inquiry would be removed back in XX/XX/XXXX, as of Today it has yet to be removed despite both companies knowing it was an unauthorized inquiry. This is not only an FCRA violation but a violation of my consumer rights.

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 2020-10-04
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I went online to unfreeze my credit report temporarily. 

1 ) Their website misdirects you to purchase their product to unfreeze. You have to find the unfreeze website through a separate search. 

2 ) After finding the hidden website, I filled out all the information correctly and supplied the pin they provided me. 

3 ) The website failed twice on its own, then on the third time, they locked my account saying my pin was incorrect. 

4 ) I called their number and provided the PIN ( which they now said was correct ). They said they unlocked my request. However, immediately after saying my freeze has been removed, I was told to send information in. 

5 ) I am at an unclear state of my credit report. Is it frozen? Is it temporarily lifted? I am unable to go back to their website to request what information needs to be sent or to check the status of my freeze.

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 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In Accordance With The Fair Credit Reporting Act XXXX  These Accounts Below Have Violated My Rights. 

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 15 U.S.C 1681 Section 602 A. States I Have The Right To Privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It Also States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21
Company: QC HOLDINGS INC
State: MO
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Lendnation is one of the payday loan it is {$1200.00} but I barrow {$600.00} from them then other company is XXXX XXXX I owe them {$700.00} but I actually barrow {$450.00} and then my bank account is overdraft by {$450.00} because someone stolen my identity and my income is {$910.00} and my rent is {$200.00} and my electric is {$140.00} and my phone is {$140.00} and my internet is {$60.00} I got all this going identity theft and hackers going on and scammers how can I recover from it

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 2023-06-17
Company: SYNCHRONY FINANCIAL
State: TX
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:
Somewhere end of XX/XX/2022 I ordered a XXXX XXXX ( keyboard ) at Guitar Center here in XXXX Texas using a credit card from Synchrony Bank. The amount of merchandise is {$3000.00} that includes shipping and handling fee. Guitar Center told me that i will have the purchased item within 7 business days. I waited for about 14 or 16 days until i recieved it, when i unboxed the merchandise I found out many keys of the keyboard were damaged ( i took pictures of the damage keys ). I returned the keyboard on XX/XX/2022 to Guitar Center in XXXX TX, they gave me a receipt of merchandise returned. A month later i recieved a billing statement from the Syncrony Bank that i have to pay {$570.00} for the purchase of the keyboard. This {$570.00} according to Guitar Center was not refunded to me because it's the amount of shipping/handling, in other word they did not refund the whole amount of {$3000.00}. My questions is, is this legal to charge a consumer of shipping/handling when a mechandise is returned. I would think Guitar Center should be charging the delivery company or whoever deliver the merchadise, i should not be charge of {$570.00} because it was not even my fault.

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 2021-01-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
It started on XX/XX/XXXX when I found a fraudulent charge on my Bank of America/EDD Debit card in the amount of {$420.00} and one for {$50.00}. I contacted BoA on XX/XX/XXXX about the charges and they froze my account and sent me a new Debit card by mail. When I received the new card, I was unable to activate it due to that account being frozen. BoA said I need to contact EDD about the frozen account ( a freeze form ) sent to EDD. I contacted EDD on XX/XX/XXXX and they fixed it by sending an email to Bank of America to release the account. On XX/XX/XXXX I contacted BoA they said the account was still frozen and had to contact EDD. On XX/XX/XXXX I contacted EDD and they said that they had responded to the freeze form and that the matter was taken care of. I then contacted BoA on XX/XX/XXXX they said it would take 3-5 business days. I called back to BoA XX/XX/XXXX, they said I needed to contact EDD that they hadnt responded about the freeze form, I did contact EDD again and they said that the freeze form was completed on XX/XX/XXXX and BoA was the one that needed to fix the problem. 
BoA as XX/XX/XXXX has not unfrozen my account so I can activate my new card and I am now late to certify for my next pay period with EDD. I have until XX/XX/XXXX to certify with EDD or lose my money for that pay period. 
PS. I have contacted BoA customer service at least 10 times during this period of XXXX until XX/XX/XXXX and they still insist I have to contact EDD.

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 2022-01-08
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Recently, I received a copy of my credit report which showed inquiries that I did not authorize. I understand you should not be allowed to put an inquiry on my file unless I have approved it. I have provided you with a police report, and I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries removed from my credit file immediately because I did not authorize them and they are fraudulent.

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 2023-10-31
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself. 

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 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 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 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

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 2023-06-07
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX moved to my current address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Tx XXXX XX/XX/XXXX Had to cancel my service with XXXX The couldn't provide internet to my area I signed up with XXXX XXXX {$25.00} text/talk/data with 3GB Hotspot I then called all the internet providers in my area XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX etc . but none of them could provide internet to my address I still don't have internet service XXXX almost 1 year later A letter was sent to my emergence contact with my name dated XXXX from Credence Resource Mgmt. XXXX XXXX XXXX XXXX XXXX, TX. XXXX stating I owe XXXX {$100.00} service date XX/XX/XXXX I called them but they couldn't give any information what the service was for. I have never had an account with XXXX  only a conversation by phone XX/XX/XXXX XXXXcalled The FCC XX/XX/XXXX I filed a complaint with The FCC Ticket # XXXX XX/XX/XXXX Called XXXX but they insisted they couldn't give me any information because it was sent to collections We went round an round but to no avail This same day Credence Resource called me and stated I had to pay the debt or fill out a police report for Identity Theft I told them I would do neither This is simply a mistake. ( They sent the form anyway My emergency contact received the forms XX/XX/XXXX ) XX/XX/XXXX! year later XXXX XXXX office called She kept asking for my Soc. Sec. # I was willing to give my last 4 numbers because if I had an account with XXXX  they should have it She said she couldn't talk to me without my Soc. Sec. # and we went round and round I told her I wouldn't give out any more information they should have and the call ended. 

XX/XX/XXXX Called Consumer Finance ( you ) and was given information about how to file this compliant I don't owe XXXX anything I have never had an account or service with them I have never defaulted on any debt I have never paid any bill late I I have never had an XXXX  I have been with XXXX Since XX/XX/XXXX XXXXXXXX is trying to extort money from me holding my credit score hostage Everyone uses your credit score for little things like renting an apartment. I'm XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: CCS Financial Services, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reached out to your company asking for proof that we have a contract together. I asked for hard evidence, but your company has yet to provide any proof that such occurred. Are you even licensed in the state of XXXX  to collect debt? Legally, I never made a binding contract with your company using my wet signature. If I did, please provide proof. I in fact know that I did not, thats why proof has yet to be provided. Please delete this account from all three of my credit reports immediately as you are a collection agency, and it is against the law to be on my credit report without my consent.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collector violated the FDCPA by engaging in abusive, deceptive, and unfair activities. They provided this account on which we did not agree and on which I did not sign an agreement. A legal contract is signed by two parties, and I was not a part of any of them. Furthermore, they did not follow the necessary 5-step validation procedure, resulting in unfair practices. According to the FDCPA, I am entitled to {$1000.00} each infraction, and they blatantly violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-08-26
Company: Coinbase, Inc.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2021, I requested all my funds be withdrawn from my Coinbase account and be transferred to my bank account. Prior, to this transaction I did not have any problems withdrawing money ; however, this was the first time I withdrew all my funds. A week goes by, and I did not receive a deposit into my bank account. I reached out to Coinbase and via email was told to wait 3-5 business days, check with my bank because it might be holding my funds, etc., and if funds were not deposited to my account at the end of the 3-5 wait period, I was informed I should send documentation of the withdrawal. I waited, and sent the documentation as requested but did not receive any response after a week. I then resubmitted my documentation twice back-to-back and received an email telling me to be patient they will work on finding out what the problem was. I still have not been provided with a disposition or any customer follow up other than a random email that stated the following : Hello, We havent heard back from you regarding this case.

If you still require assistance, please reply to this message. If you no longer need help, we will automatically resolve your case in 48 hours. 

Thanks, Coinbase Support They provided no number or specialist to contact, and I never received any disposition to my initial complaint, nor an acknowledgment when I replied to the link above mentioned. It was as if they were only going through the motions. This company is one of the worst companies I have ever dealt with and I would not recommend they be seriously used for investment purposes. Please look elsewhere before depositing any amount of money with them. They have horrible customer service and basically refuse to return the money, in the same manner, they remove money from your account. This is bad business. The next step will be legal

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been fighting with this company for a year trying to resolve this matter, Last I have sent a letter and email to the CEO of the company to resolve this issue! 


Its a big clear mistake thats a violation of the law : 15 Us Code 1666b Timing of Payments I will include in my proof in my images below! This is a big violation and against the law this is not fare at all for them to continue to do this just because they are big company and im just one person I Can not get this resolve and I have 100 % CLEAR proof of the company 's big mistake but they wont resolve it and update my account as paid on time! And remove the inaccurate remark of my auto being late as I have never been late on anything in my life with none of my accounts!

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 2022-07-12
Company: AMERICAN EXPRESS COMPANY
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: Account status incorrect

Complaint:
American Express continues to unfairly deny me a credit line increase for my Hilton and Delta accounts. American Express has claimed the following ; We made this decision for the following reason ( s ) : Based on your credit report, you are or were past due with another creditor ( s ). Based on your credit report, you have to many requests for credit. After speaking with XXXX XXXX XXXX and their Fraud Unit, XXXX said American Express is providing " misleading information '' related to my credit report. XXXX confirmed, THERE ARE NO PAST DUE ACCOUNTS ANYWHERE IN MY CREDIT FILE. XXXX confirmed, THERE ARE NO REQUESTS FOR CREDIT ANYWHERE ON MY CREDIT FILE. American Express is fraudulently claiming there are negative marks on my credit report which prohibit them from considering my credit for a line increase. This is a violation of the FCRA. I am formally filing a complaint against American Express for violating my rights time and time again. XXXX outlined that the information presented by American Express in relation to my score is outdated and not valid. XXXX suggested that American Express ask for or review a current credit report that outlines the facts.

Company response to consumer: Closed with non-monetary relief