BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-13
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, Caine and Weiner contacted me to settle the claimed debt of {$12000.00} to XXXX XXXX XXXX XXXX XXXX ( Document " enotice '' ) via email. With this notice, I was not informed of my right to ask for proof of debt. On XX/XX/XXXX ( XXXX business days ), I responded with my dispute, explanation of the situation, and requested proof of debt. On XX/XX/XXXX, Caine and Weiner representative XXXX acknowledged they would respond with proof. On XX/XX/XXXX, I discovered Caine and Weiner reported my account to XXXX, XXXX, and XXXX Credit Bureaus on XX/XX/XXXX ; one day before contacting me. I requested that this false report be removed. I received no response. 
On XX/XX/XXXX, at XXXX, I contacted Caine and Weiner again as XXXX  days had passed on my request for proof of debt and asked for the removal of my account from all three bureaus as there was no proof of debit as I had explained to them. I received no answer. However, only XXXX  deleted the account from my report. 
On XX/XX/XXXX, I contacted XXXX at Caine and Weiner again to remove my account with the false claim from my credit report from XXXX, XXXX, and XXXX  Credit Bureaus. 
On XX/XX/XXXX, XXXX responded that he would further contact the original creditor for information to validate my debt. 
On the same day, I let XXXX know that I had already requested the proof of debit and I was only contacting him to remove the false debt from my credit report on XXXX, and XXXX as 30 days had already passed. I then let him know that I was aware of my rights under the XXXX Fair Debt Collection Practices Act ( FDCPA ). 
Immediately after this, on the same day, XXXX from Caine and Weiner responded that they had mailed me the letter on XX/XX/XXXX, to which I replied was a lie because I had no mailed contact with them. All my conversations and interactions with them were via email. In addition, he had just responded earlier in the day that he was still reaching out to the original purport creditor XXXX XXXX XXXX XXXX. Thus, if he was still reaching out to this creditor, how could he have sent me any proof of debt on XX/XX/XXXX? It was very clear the representative from Caine and Weiner was lying and working under false pretenses to not remove this false report with the two credit bureaus.

I have now disputed the debt directly with XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I sent a certified letter to Amex on XX/XX/XXXX tracking number XXXX XXXX XXXX XXXX XXXX.Requesting that they correct my credit report. 
Reference account number # XXXX .My credit report is reflecting a 30 day late payment for the month of XX/XX/XXXX. I have never made a late payment on this account. My account had a zero balance and no payment was due. During this timeframe, an unauthorized charge posted to my account without my knowledge. ( for a gym membership that had been closed ). I did not receive any alert or online statement informing me of this matter nor did AMEX take any action to contact me to inform me that a payment was due. I was notified AFTER the account was over 30 days late, I was not provided with any opportunity to ensure that my account was protected. I ended up paying the fee even though I did not owe it, which is unjust. Under the XXXX this fee should have been removed, which it was not. My account was marked 30 days late which I believe was an oversight on their part. I have always maintained an excellent payment history with AMEX and all my creditors for years. This unforeseeable incident has caused me to be unjustly denied a home loan. I am respectfully requesting that AMEX correct my credit report to remove this late payment so that I do not continue to incur any further adverse action. AMEX has not responded to my letter thus I am requesting your assistance to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Experian Information Solutions 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:
XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( account # XXXX ), XXXX XXXX, XXXX XXXX start violated my 609 rights by reporting incorrect information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX XXXX, XXXX XXXX XXXX ( XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX   XXXX XXXX, XXXX XXXX XX/XX/XXXX ) reported to Experian that I applied to credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is 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 2019-07-18
Company: World Omni Financial Corp.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
This vehicle was deemed a total loss due to an accident on XX/XX/19. I immediately initiated the total loss process with all parties ( Southeast Toyota Finance, the insurance company, the dealership and the gap carrier ).

I checked back on the online platform for Southeast Toyota frequently to see if funds had been received. I was expecting a cancelled aftermarket product, the insurance settlement and the gap payment. However, the payment due date did not change. I was still expected to make my monthly payments but the aftermarket product cancellation and ultimately the insurance settlement were posted as payments. This is very misleading. I assumed they were " holding '' the funds on the account until all funds were received and could be applied back to the accident date. After I discovered the account was paid off I asked if the funds were posted back to the accident date and had my request denied twice from the lienholder to do so. They have refused to apply my total loss proceeds to principle mostly with the accident date as the date posted. However, the gap was filed from the accident date and the product was cancelled with the accident date. How can they remain on the account for the date those funds were received and it be fair practice? Also, why can those funds only be applied as payments but I am still required to make a monthly payment? Lastly, as it is my loan, don't I have the power to request how those funds are posted within reason?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To : TJX Companies Synchrony Subject : Credit Bureau Disputes Application Key Code : XXXX REF : XXXX Name : XXXX XXXX Zip Code : XXXX I had a horrible conversation with an agent named XXXX who sounded like she didn't speak XXXX. XXXX # XXXX I called your offices to file a dispute as you have mislead my in relation to the credit application and have without my consent made multiple credit bureau inquiries which I did not give you permission to do. These multiple inquiries have affected my credit score. I am requesting that you cease and desist with these deceptive tactics at the cash register trying to get people to apply. No one ever applies for a card and agrees for two credit bureau inquiries for some rinky dink store credit card. 

You need to remove these inquiries from my credit reports at XXXX  and XXXX  effective immediately or I will be reporting you to the Consumer Financial Protection Bureau as well as the XXXX XXXX XXXX for Fraud and Deceptive Advertising practices related to credit applications. Dodd Frank violations for misleading practices at the cash registers attempting to solicit applicaitons. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV 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 non-monetary relief
Consumer complaint received 2021-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
FCRA violatons ; Wrong info XXXX XXXX XXXX Addresses show tooltip button Select as many as apply XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMI

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 2019-07-18
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:
Equifax and XXXX  are incorrectly reporting me as an Authorized User on the XXXX   XXXX - partial account number XXXX. ( Please see page 5 of the attached credit report. ) I called XXXX XXXX Bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX have not removed this from my credit report. I have contacted the two bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-13
Company: Aurora Financial, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Aurora Financial advertised a mortgage rate via XXXX that they did not honor in practice. The XXXX data and the Aurora Financial quote were on the same day and based on identical qualifying criteria.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I sold my virtual currency ( Etherium ) on Coinbase onXX/XX/XXXX, exchanging it for Euros. I then withdrew those Euros ( XXXX ) from Coinbase to my bank account, on the same day. I received an email from Coinbase ( attached ) stating that the money would be in my account by XX/XX/XXXX. 

XX/XX/XXXX arrived and no money had arrived from Coinbase, although the transaction was marked as 'Complete ' on their website. Previous twithdrawals to my account had been very prompt, so it was unusual that funds had not arrived on time. I raised a support ticket on the XX/XX/XXXX with Coinbase ( also attached ), asking them to confirm the funds had been sent. 

I received no reply to the support ticket, so sent Coinbase support another message through their website on the XX/XX/XXXX. No response was received to this message asking where my money was, except for an automated email from Coinbase on the XX/XX/XXXX informing me that they were experiencing high volumes of support requests. 

Its now the XX/XX/XXXX - 9 working days since I requested my money be sent to my bank account - and I have received no response from Coinbase whatsoever as to where my money has gone. The amount of XXXX has been deducted from my Coinbase account, but hasnt been sent to my bank account, so I have effectively lost XXXX to Coinbase as they still have my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
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: Account information incorrect

Complaint:
XXXX XXXX reported that I opened a credit card account XX/XX/XXXX with Equifax stating that I owe XXXX. They then reported to XXXX and XXXX that the account was opened XXXX and that I owe XXXX. Ive sent out letters reaching out to them since XX/XX/XXXX and they have no corrected and removed these fraudulent reports from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Chrysler Capital feels calling someone, have the person they are asking for it becomes okay to phish. They called me not the other way around.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25
Company: TRANSWORLD SYSTEMS INC
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XXXX XXXX under this company : XXXX XXXX XXXX, WI I have an award for serving with XXXX. Since XX/XX/2018, which is when the company changed websites, I've been trying to make payments with XXXX XXXX. I knew that my payments usually took a month to be deposited, so I waited. No payments have shown up. On my XXXX account, it says that it has been taken out and the trust officer opened my payment. I attempted contacting them via e-mail. They responded on XX/XX/2018. This was the response I received : Dear XXXX XXXX, Thank you for contacting XXXX XXXX XXXX. 

The {$120.00} payment made through XXXX is not reflecting on your account. Do you have any proof of transaction or any documentation so we can conduct a payment research? 

If you have any questions, please contact our office at XXXX. Representatives are available during the week from XXXX XXXX to XXXX XXXX CST. 

Thank you! 

Description : Description : XXXX XXXX XXXX | Customer Service Representative XXXX XXXX XXXX, XXXX XXXX XXXX I responded with the following ( the same day he sent me the e-mail ) : I have attached the screenshot of the payment. I have made another payment on top of that one that I sent out yesterday. No action needs to be taken yet for that one but I wanted to give a heads up it is on its way. 

Thanks so much! 

XXXX XXXX ( Screenshot of this conversation and of my XXXX account is attached. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices.

Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge

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 2021-06-08
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 am requesting a fair assessment of my credit score by TransUnion LLC and here is why I am making this request ; 1. XX/XX/2021 : These are my screen shots of my credit scores from XXXX XXXX. 
Q : On XX/XX/2021 I had 6 changes to my credit report. 
1 change was my XXXX Card balance increased by only {$40.00} but the ( CREDIT UTILIZATION WAS ONLY 13 % ). My credit utilization was still under 30 % so why did my score DECREASE by 3pts. 
4 changes was that my balances decreased on my XXXX XXXX accounts ( If the balances decreased and the utilizations are under 30 % ( why did my score not INCREASE ) 1 changed was XXXX account was reported as Closed Account. This alleged inaccurate account has been reporting as a Closed Account on my credit for years. The status did not change so why did my score DECREASED 2. XX/XX/2021 : I had 1 change which was my XXXX account balance decreased by {$61.00}. The CREDIT UTILIZATION on this account was under 30 % so why did my credit score DECREASE BY 23PTS? 

3. Credit utilization is based on overall credit available used across all cards. The XXXX XXXX credit card you are showing below is Closed and does not have any credit available ; therefore, why are you including it in XXXX XXXX of my credit score? 
A new account was opened which should have caused my credit score to INCREASE not DECREASE. 

4. On XX/XX/XXXX, my score decreased by 10pts due to a credit inquiry by XXXX XXXX Bank for the new credit card I received. TransUnion normally only decreases points by 2 or 3 points for Credit Inquiries. Why was my credit inquiry for a card that was approved and I received 10pts DECREASE? THAT IS NOT NORMAL. 

5. On XX/XX/2021, there was NO CHANGE TO MY TRANSUNION CREDIT REPORT, but my XXXXredit score dropped by 22 points. IF THERE WAS NO CHANGES TO MY TRANSUNIN CREDIT REPORT, WHY DID MY SCORE DECREASE BY 22 POINTS?

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 2021-07-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 Portfolio Recovery Associates at XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX updated my credit report with a derogatory mark for a past due amount of {$990.00}. I never opened a account during this pandemic. This account showed up days after I disputed another account. Im not sure if my information has been stolen or portfolio recovery associates are adding accounts because of my dispute. I have never done business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I paid my car off on XXXX XXXX XXXX with XXXX XXXX XXXX. 
The Credit reporting agencies are reporting that my account is in delinquent/collection charge off and that I owe this company {$43.00}. 
This is not true. I have contacted all three credit reporting agencies and XXXX XXXX XXXX. I have submitted accurate PAID IN FULL information to all crediting reporting agencies and they still tell me XXXX XXXX XXXX is still reporting 38 days later that my account is deliquent and a collection charge off. WHICH IS FALSE reporting from all credit reporting agencies and the company I had my car loan with. It is damaging my credit I have worked so hard to rebuild after my bankruptcy discharge. I was promised by all three reporting agencies and the company .. that it would change it to a paid in full tradeline and it has been over a month and nothing has been changed. This has affected me financially and has affected getting my children proper college loans for their college needs which starts in four days. 
Somebody please help me im at my wit 's end. 
Someone please do something!!!!

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 2021-11-23
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax XXXX XXXX the date of the last letter was on XX/XX/2021, and still nothing from them. The inaccurate accounts are still reporting on my Credit Report. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Late close XXXX XXXX XXXX {$0.00} Charge Off XXXX XXXX {$640.00} XXXX XXXX {$1200.00} Collection XXXX XXXX XXXX XXXX {$700.00} ( Original Creditor : XXXX XXXX ) XXXX {$1100.00} MIDLANDCRE XXXX {$720.00}

Company response to consumer: Closed with explanation