BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-14
Company: CBC Companies, Inc.
State: MS
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:
This is the third letter I have sent to your company about unauthorized inquiries that have been made. and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( XXXX ) FURNISHING reports. These inquiries seem to be the result of several attempts to fraudulently open accounts. I have asked repeat to delete those inquiries. I did not initiate any of these inquires furthermore if you feel like I did please have the XXXX, XXXX and Innovis to delete them. As I plan on seeking civil liabilities if not removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: Experian Information Solutions Inc.
State: MS
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:
This is the third letter I have sent to your company about unauthorized inquiries that have been made. and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports. These inquiries seem to be the result of several attempts to fraudulently open accounts. I have asked repeat to delete those inquiries. I did not initiate any of these inquires furthermore if you feel like I did please have the XXXX, Experian and XXXX to delete them. As I plan on seeking civil liabilities if not removed ASAP.

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 2018-01-08
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. It has been over 30 days and they have yet to verify these accounts. According to Section 611 ( 5 ) ( A ) of the FCRA, they are required to Promptly delete all information which can not be verified that I have disputed. This includes a list of inquiries that i also did not consent too. Please resolve this manner as soon as possible. Thanks.

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 2021-12-01
Company: EQUIFAX, INC.
State: IL
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:
hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX  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 severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter  and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
My father bank wired {$5000.00} to my Coinbase account on XX/XX/XXXX. Due to a name mismatch, Coinbase sent me an email on XX/XX/XXXX stating that the bank wire would be reversed and that the funds should be received within 7 business days. As of today, 23 days later, the funds still have not been received. 

I 've tried to contact Coinbase directly about the issue. In response, they sent me an automated message stating that all wire transfers were being delayed. They did n't reply to any of my further attempts to contact them about the issue. 

I 've also tried contacting their associated bank : XXXX XXXX XXXX in New York. They were unable to help me other than to tell me that I had to contact CoinBase directly because they had not yet issued the reversal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX a check was mailed to Comenity Bank XXXX XXXXXXXX XXXX XXXX for {$1900.00} through my refi on my home by the escrow title company. The title company accidentally referenced my XXXX rewards number on the check and not my account number. The check in turn was still cashed on XX/XX/XXXX by Comenity Bank and the amount has not been applied to my account. My issue is they could have contacted me by researching the rewards number and found my contact info. I have supplied them with the check number and also with an actual copy of the cashed check and a detailed letter of what happened. As of today XX/XX/XXXX the {$1900.00} still has not been credited to my account and it is still accruing interest on the high balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-14
Company: HW Holding, Inc
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hunter Warfield INC has reported debt under my credit report that I was not notified about nor have knowledge of. 

I request that they provide me with the following : XXXX ) An explanation of what this alleged account balance is for. 
XXXX ) A complete Audit Trail calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
XXXX ) Documentation that shows I agreed to pay this debt with my signature and documentation shows i gave you permission to have my information and paperwork showing I gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such. 
XXXX ) The Agreement that grants you authority to collect on this alleged debt. 
XXXX ) A copy of your state license, including license number that give you rights to collect in my state. 

XXXX. ) Swear under penalty of perjury you were present during the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Got a private loan for XXXX I have paid XXXX, XXXX still owe XXXX, XXXX it doesn't make sense

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
Company: ARC Management Group, LLC
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXXI sent a letter to ARC management Group LLC in Georgia to verify a debt that was being reported on my credit report. This item was sent certified mail. The mail was returned to me and the address it was sent to is the one they report on my credit report. By laws the information is being reported is inaccurate sense the certified mail was returned. I have n't received any verification of this debt. I also disputed the item on my credit report through XXXX with the returned mail. This is violation of FCRA and FDCPA and the information ( address ) the company supplied is false. This item should be deleted from my credit file. The address used was XXXX XXXX XXXX XXXX XXXX XXXX  XXXX GA XXXX. As you can see the certified mail was returned. Equifax continues to verify the debt but when I tried to get validation the mail was returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a collection account listed on my credit reports by a debt collection agency, Convergent Outsourcing Inc, collecting on behalf of XXXX. Convergent Outsourcing Inc is not licensed to collect in the state of Pennsylvania and therefore I am disputing this collection account. I tried to dispute this with the BBB XXXX XXXX,2017 and was unsuccessful.

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 2022-01-14
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2018-01-11
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
Toyota lease on a XXXX XXXX XXXX, 2 years, 24,000 miles. Extended the lease for 6 months as of XX/XX/XXXX. Turned in the vehicle on XX/XX/XXXX, with 22,867 miles on the odometer. Car was in perfection condition. Received a bill from Toyota Financial Services dated XX/XX/XXXX, for {$970.00}, this includes the disposition fee of {$350.00}, a {$560.00} charge for a cargo cover, and a sales tax fee of {$57.00}. I was told that the disposition fee would be waved if I purchased/leased another Toyota within 30 days of returning my previous vehicle. I entered into negotiations on a new Toyota on XX/XX/XXXX, but the dealer did not have the car I wanted in stock, which I 'm waiting on. Toyota Financial says " Too late '' and I have to pay the {$350.00} disposition fee. The cargo cover charge far exceeds the actual cost to the consumer for a new cargo cover, listed at {$190.00}, on Toyota 's website, and genuine replacement cargo cover on XXXX for {$100.00}. I 've asked for a receipt for the cargo cover once they receive payment and at first they declined. I pushed them for a receipt and they said that they would look into whether or not they would provide me with one. I may be able to negotiate the disposition fee with the new dealership I 'm working with, or I may simply decide to buy a car from a different manufacturer especially since I believe Toyota has charged close to 3 times what the cargo cover actually costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Had two transfers which were suppose to be transferred to my XXXX XXXX   account from the company called Quickpay Zelle. 
I have called chase more than 5 times and they promised me to money would be in my account. 

Expecting to transactions {$10.00} & {$50.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Coinbase, Inc.
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Coinbase offered a new coin on their exchange. I sold {$48000.00} worth of Ethereum to purchase the new coin. I put in a market order to purchase the coin as soon as it went live on the exchange. I got a buy at {$6000.00} per coin, more than double the normal asking price, however, this is not the problem. I immediately attempted to sell, since the price went up to {$8500.00} per coin, but the exchange went down. I couldnt sell my coins since the exchange was closed seconds after it was made open. After hours of deliberation, they decided to reopen the market for the coin the next day. I immediately knew the repercussions that would arise from this and contacted Coinbase for action. They let me buy at exorbitant prices, then deliberately drove the price down by allowing orders to post for much longer. They even stated that their goal was to increase liquidity, or make the price stable. RIGHT AFTER ALLOWING ME TO BUY AT RIDICULOUS PRICES. I bet on the market going crazy, and I was right. Had they left the market open, it would have stabilized on its own, and I would have gained nearly a 50 % profit. Instead, they themselves gained a huge profit by allowing their coins to be sold at almost 3x asking price, then conveniently shut down the server and stabilized the price. How convenient for them. Market manipulation. Insider trading. Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XXXX XXXX, XXXX I had a credit card balance of {$9400.00} on my Capital One Credit card. I made my minimum payment of {$250.00} that same day. On XXXX XXXX, XXXX I called Capital One to inquire if they would be willing to accept a settlement, but still keep my account open. They declined and stated the only way to bring my balance to {$0.00} was to pay the full amount due which was now at {$9100.00}. That day I paid my remaining balance in whole which settled my debt with Capital One. A few days ago I received an email letting me know my statement for the month was ready. On a balance of {$0.00} Capital One decided to charge me interest of {$140.00}. Today, XXXX XXXX, XXXX I spoke to a Capital One manager, over the phone, ( XXXX ID # XXXX ). She and the employee ( ID # XXXX ) I spoke with before I was transferred to her refused to wave the interest charged from a {$0.00} balance. They insisted it was interest being charged from the previous balance. The manager I spoke with on XXXX XXXX said as long as I paid the balance of {$9100.00} I would have gotten rid of my debt. Now Capital One is attempting to steal {$140.00} from me after settling my debt with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: LANIER COLLECTIONS AGENCY AND SERVICES 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 am submitting this compliant on my own. There is no third party involved. I have sent numerous letters to XXXX, XXXX, and XXXX informing them that I am a victim of identity theft. Someone opened a credit card, got medical service, and a loan under my SSN. They also made fraudlent inquiries on my report as well. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything i did. Im unaware of any of this. I'm asking XXXX, XXXX, and XXXX to Please remove this information from my consumer report under 15 U.S.C. 1681c-2. This is really hurting my reputation and effecting my ability to get a new job and home. I filed an FTC report. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am contacting you about credit bureaus doing disputes and calling company and saying dispute has been dealt with no investigation has been done except calling the company who has put incorrect information on your credit report. The credit bureaus are not investigating disputes. They just take the word of the company giving the information. any one can claim to be a company and put false information on your report. with all the identity theft going on people can put false information on your credit report without justification. Then it gets disputed and the bureau calls the person puting the information on the report and say it has been investigated. it the mean time your credits being improperly reported. you only remedy is hire and attorney yes your credit is ruin and you can not afford an attorney. Now what happens i have been complaining and trying to solve problem with individual bureaus but they have no avenue to file a complaint. they are not responsible for insuring the information submitted is correct. My credit has taken a hit due to federal government extended time to show me XXXX and pay me as such. Took one year for social security which was quick and two years for the postal service to pay you what you deserve and since it is the federal government they are not obligated to pay interest on that money. I am still waiting on VA to pay my claim from XXXX of 2016

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
The original creditor is XXXX and the collector is Cavalry portfolio services. 

This account has been closed in collection since XXXX. I just recently checked XXXX XXXX  and it says it has been reopened XXXX XXXX. I never authorized my account to be reopened, never got a validation letter nor a notice of my account being reopened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not request that Bank of America inquire about my credit

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 2020-02-11
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2018-01-08
Company: Santander Consumer USA Holdings 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: Account information incorrect

Complaint:
As of XXXX XXXX, 2018, Santander Consumer USA has falsely and illegally reported inaccurate information onto my XXXX XXXX Credit Report. Due to that fact my score has decreased tremendously of 15 points. Upon my personal investigation of going over my credit reports ; Santander Consumer USA has reported that I have missed payments when in fact that is n't accurate, Santander Consumer USA has reopened the account and added more average age time to my report when in fact that information is inaccurate and that information has never been on my report since the time of the repossession, Santander Consumer USA has increased by {$2100.00}. This is literally the 3rd time Santander Consumer USA has increased the amount on the account ; illegally. Santander has also listed the loan terms as 76 months. Santander has never sent verification when they said they sold the vehicle. Nothing in writing.This problem needs to be in fact not re investigated, this needs to be deleted. They are destroying my credit and making it seems as if I 'm not credit worthy and it is n't right at all.

Company response to consumer: Closed with explanation