BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-26
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/XXXX, I sent Experian a letter stating all of the incorrect information reflecting on my credit report.

I received a response from Experian on XX/XX/XXXX, but hardly any of the information was corrected.

I do NOT want my telephone numbers reflected.

I was NEVER married, I do not want a spouse listed.

I WANT the 8 other addresses listed on my credit report REMOVED. I have lived at my current address for 15 years!

There are addresses ( a lot ) listed on my credit report that I don't even know what addresses they are. A lot of the addresses are addresses I have never lived at. I explained this to them in a letter I sent to them certified mail on XX/XX/XXXX.

I am not sure where they obtain their information, but it should not take me three letters to them to correct the information that is reporting incorrectly.

I have sent them my license and utility bill to show this is my address. 

I want my credit report to reflect my correct information and it appears they refuse to do so. 

Thank you.

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 2022-11-18
Company: EQUIFAX, INC.
State: PA
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:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material representation of fact by me relevant to the request to block the identified transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
A Method of Verification letter was mailed certified to Transunion XX/XX/2020 requesting them to verify the inaccurate bankruptcy they have listed in my credit report. The letter was delivered to Transunion on XX/XX/2020. They did not respond within the 15-day time limit. I mailed a 2nd certified letter to Transunion XX/XX/2020 requesting them to delete the inaccurate bankruptcy. On XX/XX/2020 I received a letter in the mail stating they are not removing the inaccurate bankruptcy and that they verified it as accurate. Transunion has not provided me any information on who or how this inaccurate bankruptcy was verified to be my record.

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 2018-01-23
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: Their investigation did not fix an error on your report

Complaint:
Why is rentdebt still appearing on my credit? This should have been totally remove. I have attached the aud control number for removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Father XXXX passed away Left me the home My father had a wrongful modification I am now trying to get it straightened out I've been approved with the court and signed assumption documents Its up to PHH to help me with a correct loan mod

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: Self Financial Inc.
State: GA
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 subscription with self lending. I have made all my payments on time however as of XX/XX/2021 its showing I missed a payment and that is false. i tried to contact them multiple times regrading the situation but Im having a very difficult time getting in touch with them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: DLC, LLC
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Dollar Loan Center Rep " XXXX '' at he XXXX NV location at XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, NV XXXX - phone # ( XXXX ) XXXX mis-represented Dollar Loan Center Company Policy by telling me that I had to pay an " upfront '' fee ( the interest due on my current Loan ) BEFORE she would submit my Application for a New Loan. 

This s NOT Company Policy and is NOT required before Submitting an Application for a New Loan. This violation of Company Policy was verified by several other Reps at Dollar Loan Center and also by Regional Manager " XXXX '' at the Dollar Loan Center Corporate Office - phone # ( XXXX ) XXXX. 

This fee was paid on XX/XX/2022 before the New Loan Application was submitted as I was told that I had to due by Dollar Loan Center Rep " XXXX ''. 

She ( XXXX XXXX told me that she thought that My New Loan Application and chance for Approval looked " good ''. 

She ( XXXX XXXX told me that if the Application was Not Approved that I would receive this " upfront '' fee back within 5 ( Five ) days - another Misrepresentaion by her. 

The New Loan did NOT get Approved. 

As of Today - XX/XX/2022 - I have STILL NOT received these funds back to my account that I used to pay this " upfront '' fee. ( As of Today XX/XX/2022 ) is now at 8 ( Eight ) Days from the date that I paid it and NOW that tell me that it can take up to two weeks from the day that I paid this fee to receive the funds back in my account. 

THIS IS A TOTAL MISREPRESENTATION by DOLLA LOAN CENTER REP " XXXX ''. 

I am a XXXX XXXX XXXX XXXX, and feel that this entire Loan Application was not only misrepresentation by her but because of my age this is also XXXX XXXX 

I want her ( " XXXX '' ) and DOLLAR LOAN CENTER held Accountable for this and the Financial Distress that this has caused me. 

DOLLAR LOAN CENTER records ALL calls and ALL of this can be verified by DOLLAR LOAN CENTERS own recordings of the calls between me an there Rep " XXXX ''. 

THIS IS XXXX XXXX  at its worst.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: BARCLAYS BANK DELAWARE
State: FL
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:
To Whom It May Concern : In XXXX of XXXX  I booked a hotel in XXXX, XXXX  from XXXX through XXXX on XXXX using Barclays Credit Card. The card was charged for {$1100.00} on XXXX. 

On XXXX I was informed by XXXX XXXX that flights to/from XXXX   are being canceled and received a full refund. The same day, I contacted XXXX and explained that I could not travel due to Coronavirus travel restrictions, but was refused a refund because the booking was non-refundable. The same day I filed a dispute with Barclays MasterCard. I received a letter dated XXXX stating that refund denied for the same reason. After that I called several times Barclays MasterCard customer service number and requested to speak to a manger. Every time I was told that the manager is not available and my call will be returned within one day. Nobody called me back. 

If this matter is not resolved promptly, I will be forced to file a complaint with Florida AG Consumer Protection Division and XXXX   XXXX  XXXX, as well as post reviews about this transaction on multiple sites. 

Please assist me in receiving the refund in the amount of {$1100.00}. 


Thank you in advance for your cooperation,

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 2021-12-03
Company: Mountain Run Solutions, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was initially contacted by Mountain Run Solutions via text message on XX/XX/XXXX, stating that had purchased an account and there was a balance due of {$400.00}. I called the number from the text and explained that I didn't owe any money in that amount to them. I asked for documents and an explanation of the total. The lady stated it was for 8 months of monitoring services for {$39.00}. I explained again that information was false and wanted to dispute the balance. The representative stated that she will not accept a dispute. I asked for a letter in the mail or some documents. She later emailed an invoice that only showed their name an address and the balance, nothing showing how they come to XXXX. The lady then became irate and stated that the debt was valid. She hung up the phone. I attempted to county the company back serial times, however, they blocked my cell and home number and I was unable to contact them via phone. I then submitted a dispute on XX/XX/XXXX via email to the representative as well by mail. The company never responded with any information but instead without validating the balance submitted it to my credit report. I then phoned the monitoring service XXXX and they were not familiar with that company and it sounded like fraud and to dispute the account through XXXX and also obtain an attorney to communicate with the company. I have disputed the account serial times over the last 3 months and without any resolve it has not been resolved. I submitted the final statement bill as well the payment to credit agency to show the balance that was due to the alarm system had been paid directly to the Monitoring service of {$290.00}. The company stated that they did't have any documentation to submit to me and it I wanted to settle the account for {$350.00} they would remove it from my credit report. I do not owe Mountain Run Solutions any money. The account was paid directly to the Monitoring service. It appears that this company thats based out of XXXX, Utah has a history of deceptive practices. They refuse to communicate or to send out any documentation to validate or prove theres an amount of XXXX owed, in which it is not.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I send a wire transfer to coinbase on XX/XX/2017 purchase cryptocurrency in the amount of {$20000.00} dollars and they responded with this email. 

You recently sent a wire to fund your Coinbase or XXXX account for {$20000.00} USD. Unfortunately, we are not able to apply this wire to your account due to a name mismatch and will be returning this wire back to your bank. Please allow us 7 business days for processing. 

To prevent wire returns in the future, please ensure wire deposits are sent from a bank account that matches the legal name of your Coinbase or GDAX account. For more information, visit the Bank Wire Deposit section of our payment support page. 

If have n't received your funds after 7 business days, please But now it has been well over a month and Coinbase has not done the reversal bank wire and every time I emailed then about the money they reply with a generic response that they are backed up and soon they will send all bank wire, but I need help recovering this money PLEASE HELP ME IM LOOSING HOPE AND THIS HAS COUSED A HARDSHIP ON MY FAMILY THEIR IS NO ONE TO SPEAK WITH AT COINBASE THE COMPANY HIDES BEHIND EMAILS AND WONT RESPOND.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Application Reference Number : XXXX On XX/XX/2021 I walked into a XXXX XXXX XXXX  located in XXXX, Oklahoma and applied for a JC Penny credit card at the counter. The Sales person was instructed to call somewhere and get further verification. I was handed the phone and gave all information pertaining to the application. I was then told that further review was needed and it would be 7 days before a decision would be made. 

I would agree with this process if " all '' who applied went through the same experience. But, this is not the case. I know other JC Penny customers how had no issues and were approved at the time of purchase. My complaint hinges on the fact that I feel Discriminated against. I understand everyone carries a unique credit history but I also know my credit history is just as good or better than those who have no problems getting a JC Penny credit card. 

On XX/XX/2021, I called to follow up on my credit approval status and after many calls I finally spoke to a Synchrony Bank supervisor in the Account Specialist Dept. named XXXX ( XXXX ID XXXX ). I politely conveyed my feelings about being singled out and just wanted to inquire as to why? XXXX just kept repeating that it would take seven days for review and there was nothing else she could offer me. I just wanted to learn why and what problems existed to subside any feelings of discrimination. 

My complaint is that a JC Penny credit approval process should not take 7 days to complete. Not in today 's real-time processing environment. If indeed, this is Synchrony 's Bank policy, it's discriminating. Not in the approval or denial decision but in the time this decision is made. The decision " time '' I believe is the discriminating factor here. It's therefore, I'm demanding a decision be made in the next 48 hours as of XX/XX/2021 XXXX pm 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 2021-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 was removed as authorized user on this account years ago, but it is still reporting on my credit and when I call the bank, they can't give me any information on why it's still reporting on my credit, even after I was 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 2018-01-17
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This Collection Company XXXX XXXX XXXX, Purchase this account from XXXX XXXX for a Fraudulent debt of {$380.00}. XXXX XXXX closed the account 5 yrs ago when we found out it was a Open Fraudulent account. I was living abroad on a mission in the bush XXXX XXXX in villages. It was deleted from my credit file 4 times. and comes and goes over the years. XXXX XXXX XXXX has refused my letters and calls, I do not owe this debt. It was found fraudulent over 5 yrs ago. I am very disappointed how I have been handled and the Legal morals of XXXX XXXX and XXXX XXXX. XXXX XXXX also changed the dates of the debt to XXXX 2017 that is Illegal. I want this Identity theft account removed from my report. I also have written the credit burials over 4 times and know help. I should never be punished for Identity theft it has been years of repairing my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
Company: ERC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have no idea who XXXX XXXX is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. XXXX XXXX is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized XXXX XXXX as third-party collection agent. 
4. Provide a true and correct copy of the instrument by which [ XXXX  XXXX  } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to XXXX XXXX, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: Resurgent Capital Services L.P.
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: Investigation took more than 30 days

Complaint:
I have been fighting for 6 months to get this fraud account from PYOD LLC ( XXXX XXXX XXXX ) off my report with XXXX  and XXXX. I do not understand what the issues is that they wont remove it? I have sent them proof of the police report number too. I want this remove from my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have been fighting for 6 months to get this fraud account from XXXX XXXX ( XXXX XXXX XXXX ) off my report with XXXX  and equifax. I do not understand what the issues is that they wont remove it? I have sent them proof of the police report number too. I want this remove from my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XXXX 2017, we noted fraudulent charges on my Bank of America business account, via our debit card. Since we were away on vacation, we were not able to immediately report the charges but did so within 30 days. The charges we done on XX/XX/2017 and XX/XX/2017. These charges were made at XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX. The charges were of {$600.00}, {$560.00}, {$1000.00}, {$600.00}, {$250.00}, {$350.00}, {$7.00}, {$46.00}, {$700.00}, {$800.00}, and {$1700.00}. We contacted Bank of America about the fraud and we were told they opened a case. However, it took us calling 3 different calls for them to finally open a case. They denied the claim for various reasons. Finally, we were asked to prove that we were not in the XXXX, TX area when the charges were made and thus were fraudulent. We sent Bank of America all proof showing that we could not physically have made these purchases by showing the hotel room itineraries, flights, and more. Bank of America did not do their due diligence to get down to who committed the charges and just told me the case was closed and they will not do anything else. None of the stores were contacted or asked for proof.

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 2018-01-18
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX put credit inquiries on my report on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I did not authorize these inquiries. I sent them a letter disputing these inquiries and was sent back a generic response that inquiries are a matter of record and it would n't be removed. I did not authorize these inquiries and I would like them removed from my report.

Company response to consumer: Closed with non-monetary relief