BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-12
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}

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 2021-11-29
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
We were charged by Rooms to Go for an item that was not received. We filed a police report regarding this matter but Sychrony Bank, which issues the Room to Go credit card, has refused to assist us in this dispute since the merchant is not responsive.

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 2021-06-30
Company: FCI Lender Services Inc.
State: MA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, Since XXXX, I owned a commercial building and also operate a hair salon and function hall. I have a mortgage with XXXX XXXXXXXX, XXXX for {$650000.00}. The loan document required me to pay interest only monthly payments of {$6100.00} and to pay the {$650000.00} in full by XXXX, XXXX. I have been making the interest only payments of {$6100.00} and I did not pay XXXX and XXXX, XXXX payments. 

On XX/XX/XXXX, I received a letter from Attorney XXXX XXXX XXXX, XXXX, in behalf of XXXX XXXX XXXX XXXX, XXXX XXXX, that I was in default and that in 35 days they will foreclose on my property atXXXX XXXX XXXX XXXX, XXXX, MA. XXXX. 

In XX/XX/XXXX, the Governor XXXX XXXX closed all businesses due to the COVID-19. 
In XXXX, XXXX, the Governor reopened hair salons. And on XX/XX/XXXX, the Governor reopened Bars. As a result, I have lost 90 % of my revenue and I was not financially able to pay the Loan in full. However, I was able to make all the interest only payment up until XXXX, XXXX. 
I would like to keep my property and be able to operate my businesses. Is there any help for mom and pops property owners and businesses? 

Sincerely, 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 2020-08-30
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i recently obtain copy of my credit report and noticed accounts i did not authorize

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 2018-03-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/17 I was in a terrible car accident after being rear ended by another vehicle. My loan company was with XXXX XXXX XXXX XXXX. The person that hit my car from behind insurance company ( XXXX  ) seemed my car totaled, I also had GAP insurance. I had the car towed to a mechanic and XXXX XXXX corresponded with XXXX XXXX, I paid for the GAP insurance through XXXX XXXX as well. After the car was totaled I never saw the vehicle again. XXXX XXXX was Paid by XXXX XXXX, XXXX XXXX had all of my GAP information. This car is being reported on All three credit reports as a repossessed car. I have appealed this account through XXXX, XXXX and Experian and they arent even contacting XXXX XXXX XXXX XXXX because I receive updates like two days later saying investigations complete. Please help. I want XXXX XXXX XXXX XXXX   reported on my credit as paid in full because two different insurance companies paid them.

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 2021-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I went to get financing for a car loan. I was excited to go to the dealership until the car salesman came back into the room and informed me that he wasn't going to be able to get me financing for any vehicles. This caught me by surprise because I have always understood the importance of having and maintaining good credit history. So I always did my best to make sure I kept all of my affairs in order. So of course I was full of many different emotions when the salesman informed me that I wouldn't qualify for any financing. These negative items being reported on my credit report are not my accounts. I demand them be removed. This is defamation of character. This is also a FDCPA violation 15 USC 1692d. Reporting inaccurate items on someone credit report negatively affects a consumer 's reputation. FCRA 15 USC 1681 states that a consumers credit report is the consumer 's reputation. If these items are not removed immediately I will seek litigation. I also provided evidence to support that I was a victim of the XXXX data breach

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 2021-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
i got and payday loan in XXXX for XXXX at XXXX XXXX in XXXX ca XXXX of XXXX and its appears on my credit report as i got the loan on XX/XX/XXXX that's not correct i informed the credit bureau of this i sent information that this information is not correct and the credit bureau came back with this account has been verify this is not correct and i let the credit bureau know that this information is not correct and also i contact XXXX XXXX  and basically they said they cant help due to they passed this claim on to the XXXX XXXX XXXXXXXX XXXX i then contact the collection which is XXXX XXXX XXXXXXXX XXXX and let them know the information is wrong and to please stop reporting wrong information and also asked for the contract and they didn't response

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 2022-08-05
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
As ofXX/XX/XXXX-XX/XX/XXXX, I noticed several fraudulent inquires on my credit report. I have called all 3 credit bureaus to dispute these inquires. Company names are as follow ; Capital One auto finance, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I have not authorized these companies to run my credit. I was approved through XXXX on XX/XX/2021 for an auto and I made my first payment on XX/XX/2021. I would like for these inquires to be removed immediately, thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: Coinbase, Inc.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX around XXXX I attempted to buy {$1500.00} worth of BTC from coinbase.com My bank refused the charge.

On XX/XX/XXXX I noticed that I was not able to login to the exchange XXXX. I would get the message " error, please contact support. '' On XX/XX/XXXX I called in support at XXXX to ask what happened and they told me my account was flagged because of the charge refused by my bank on coinbase.com.

Please note, I can login to coinbase and NOT XXXX.

On XXXX  I have approximately {$8600.00} on that exchange in my account that I can not access.

The company coinbase has on file, my fingerprints, drivers license, bank statements, passports etc. More than enough to confirm that my account has no fraud activity on it.

I emailed the company on XX/XX/XXXX explaining what happened with my bank and clouded screen shots of emails as well as copies of bank statements. They responded and told me the following " For fastest response, please do not create multiple tickets about your issue. '' It is now XX/XX/XXXX and I still can not login to my account and therefore have no access to my money.

The company is holding my money hostage with no proof of fraud- in fact I have been fully cooperative in linking my bank accounts and providing all identification to prove that I am myself, XXXX XXXX XXXX . I am a XXXX XXXX XXXX with the state of Connecticut and a citizen of the United States and do not appreciate a financial exchange robbing me of approximately {$8600.00} by not allowing me to access my money.

At this point I have called them onXX/XX/XXXX and XX/XX/XXXX and receive similar responses from the customer support team ; that my case is going to a specialist and that I have to wait for a undefined span of time. Also that they can't " tell me that information '' when I ask questions regarding my account.

At first they claimed it would take 4-5 business days to resolve. That time frame has now been surpassed.

I have looked into this issue and it seems that many customers have had a similar issue. The Coinbase/XXXX company blocks people from logging into their accounts and blocks access to their money from anywhere from 1 week to 6 months or longer.

Also since the chargeback occurred on coinbase.com there is no reason why I should be blocked from accessing my money on the gdax.com exchange which is separate website and exchange. I didn't even know that they were under the same ownership as they appear as two separate sites.

Please help me in this matter.

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: CCS Financial Services, Inc.
State: FL
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:
Credit Collection Services continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The entry on my reports reflect that CCS updated this entry on my credit reports as recent as XX/XX/2020, yet they did not provide any communication to me prior to inserting on my credit reports. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. Once I became aware of this negative entry on my credit report, I immediately began disputing. My first disputes were with each of the credit bureaus and the responses provided from each bureau reflected that the entry was verified by CCS. To that end, I sent a letter CCS ( see attached ). None of my letters have been returned or undeliverable ; therefore, I know the company received my certified letters. I have attempted several times by mail ; but to no avail. To date, this company has not provided any documentation bearing my signature or proving the validity of the entry they are continuing to report. After numerous attempts seeking validation from CCS, only to be ignored proves they are unable to justify their inaccurate reporting, and explicitly reflects their inability to furnish the original terms and conditions agreed to as well as any and all terms and conditions that were enforced after the original terms as per the alleged original creditor. Additionally, they did not respond with a summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payment posted, charges made, and date of charges posted. In my correspondence to them I requested copies of all documents sent to me regarding this account ; again they did not oblige. Lastly, they did not prove the statute of limitations had not expired on this alleged debt. It is obvious that CCS is not able to validate their allegation with documentation ; therefore, in the absence of them responding with any documentation to substantiate the alleged debt with signatures, this entry must be removed from my credit reports immediately. It has been long overdue for them to respond and they've not ; therefore, delete this entry immediately.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX is reporting erroneously on XXXX, XXXX   and Equifax credit bureaus.The account number is XXXX.The information is both inaccurate and incomplete.The payment history is inaccurate or incomplete.The account was closed on XX/XX/XXXX due to non-payment.The first payment missed was XX/XX/XXXX, it was 30 days late ( XXXX has this correct ) but XXXX was 60 days late, XXXX 90 days late and then closed XXXX XXXX.According to the facts the account is too old to report according to FCRA.The information supplied by the creditor that says otherwise is fraudulent.The date of first delinquency is XXXX XXXX.Re ageing it what is described above by the FCRA is prohibited and illegal. 
Upon receipt all 3 bureaus are required to delete and XXXX XXXX XXXX should be referred to a banking regulator if need be following this complaint.I have a letter from XXXX XXXX claiming not to understand the nature of similar disputes as not being specific.I hope this complaint is specific.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
In XX/XX/2021 I sent Equifax a notarized letter advising them that my DOB and other information was incorrect. Equifax claims they never received the documents, however I have provided tracking information to show the documents were received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: Exeter Finance Corp.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I called in XXXX of 2020 for an extension, due to being a XXXX XXXX XXXX  going to an unpaid internship. The extension was not processed. I called back again XX/XX/2020. It was still not processed. They said they would and never did. Now they are saying my car is in repossession status. After I've called n spoke with everyone including a manager. I'm a XXXX  XXXX  in college. The extension was suppose to be for two months. Now I'm two months behind on top of that I have late payment fees, two negative post on my credit bureau report saying I'm delinquent saying my score has dropped 45 points. I've not had a delinquent account in over 4 years. I'm furious and I will hire a lawyer if need to. This is absolutely ridiculous. I will go threw all platforms of reporting a company until someone fixes this situation. This is unfair and horrible customer service. I'm an active XXXX  who prior to these two months have been serving the community during the pandemic and I've not missed one beat of payments. I'm very upset. I feel disappointed and disrespected and not valued as a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Hi, I have two collectors that keep contacting me - the first one is XXXX XXXX - everyday they call and say they say Im going to be arrested, a warrant is issued for my arrest or something a long those lines - I have informed them 100 times that this account is not mine and still they keep calling harassing me - my identity was taken and the person who did so, got a phone, car, and a lot of other hints from what I see on my credit report - Santander is the other one who calls atleast twice a week to inform me that I am going to be issued a summons to be detained for collection, when the car and account isnt mine either! I dont even drive & Im XXXX! I need help getting this to end and fixing my score its affecting my mental health daily and my family and our daily life - its aweful and torture

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed a debt with XXXX  5 times with a response that the account being reported on credit report has been verified and is accurate. I called XXXX today to ask them how they verifying the information is accurate and I was told by the agent that they verify with the company over the phone. I asked her if the are verifying with the number provided to me on my credit report and she said yes. I told her that I called thee number and its an incorrect number that the number provided is an automated service trying to sell me different things. She then provided me with an alternate number which I hung up and called the new number and its the same automated service trying to sell me things. I called XXXX back and told my story again and told them I have disputed this account 5 times with them and even called the original creditor being reported with no records I owe this debt. I have sent multiple certified letters to XXXX and XXXX  and the company provided asking to be provided with viable evidence this is my account but I get nothing but an XXXX   agent telling me they verified the information by a phone number that is an incorrect number. It's a scary thing that XXXX hold my lively hood in their hands but the told a bold face lie. If they had verified the debt with the number the provided then they would know its a fraudulent account and I wouldn't be dealing with this for over a year. The account being reported is Paramount Recovery System with no account number provided and the address is incomplete and the phone numbers are incorrect. Please explain to me why this is being reported on my credit still?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: CAINE & WEINER COMPANY, INC.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Debt from more than 3 years ago, which is not valid of {$100.00} Have repeatedly contacted company for verification of debt including CERTIFIED MAIL ( have card signature verification that was received ) on XX/XX/2021. Company will not responded. 

Also sent CERTIFIED MAIL ( have card signature verification that was received ) that contact was to cease and communication was to be through mail. Company continues to call. 

Company has reported this account to all three ( 3 ) credit bureaus. I have kept scrupulous records that include dates, names and atte
mpts at communication.

My rights have been violated under the FDCPA in multiple instances.

Company response to consumer: Closed with explanation