BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-08
Company: Experian Information Solutions Inc.
State: DC
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:
This is 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 Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio recovery reported a XXXX XXXX account to my credit. I disputed they kept reporting. Informed portfolio did not live at the address year debt was opened. They will not validate debt by mail and stated they do not have a signature of who opened the debt. Then accused my parents of opening this debt and committing a crime. They did not live at that address at that time either. Ive disputed this on my credit report too. I informed portfolio I know my rights under fair credit reporting act and again asked them to validate the debt in writing and send a copy of the signature for whomever opened the account. They wont do this and have no signature on file. They continued to say then my parents committed this crime. Again told them they didnt live at the address in that time either. Again they refused to work with me and validate the debt. They said they will just keep reporting it to my credit report as they can do that as much as they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: Solomon and Solomon, P.C.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I viewed my credit report a year ago and noticed a collection account for XXXX XXXX XXXX XXXX XXXX  XXXX XXXX in collections with Solomon and Solomon PC collections law firm. Once I noticed the account I contacted the agency and explained I was a victim of XXXX XXXX and fled the apartment to get away from my XXXX. The account was in my name however I supplied the collection company with a copy of my new lease proving I did not reside at the apartment at the time and a letter from my XXXX XXXX XXXX. I was told to contact the XXXX company and file an appeal which I did and I was redirected to the collection agency. At this time I attempted to negotiate with Solomon and Solomon regarding the {$2100.00} debt and they stated they would have to charged me XXXX and there would be no further negotiation. I recontacted the electric company and was redirected back to the collection agency. I then contacted the Public Service Commissioner 's Office however since the account is no longer with the electric company they can not assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a Bank of America checking account on XXXX/XXXX/XXXX. 
There was a promotion in which I was to make at least 2 direct deposits of {$250.00} or more and then I would receive a {$100.00} bonus. 


On XXXX/XXXX/XXXX I inquired as to when I would receive the bonus. The told me that I should receive a check within 30 days. They gave me this number as a confirmation : XXXX. 


On XXXX XXXX I called to inquire as to why I have n't received the check.They told me that the account actually needed to be open for 6 months before the money would be sent to me as a deposit into my account and I should received the money on XXXX/XXXX/XXXX On XXXX XXXX I called to inquire why I have n't received the money. They told me that my " escalation '' was denied. I am not sure which of my inquiries was the escalation but they never informed me. They told me the reason for the denial of the escalation was that the account was not set up with the promotion activated. This is bogus. Had my promotion not been activated then I would have been told so on XXXX or XXXX and not been promised that I would receive the money. Additionally, shortly after opening the account, I also confirmed at a physical branch ( XXXX XXXX XXXX XXXX, XXXX, TX ) that the promotion was active on my account ( I was unsure as to how many days I had to make the qualifying deposits ) When I disputed the denial of the escalation and explained the above, they re-escalated it, giving me this reference number : XXXX. 


After 40 minutes I spoke to XXXX XXXX of XXXX California, the " Checking Department '' manager and he told me that escalations take 30 days to resolve and they would be happy to review the terms of the promotion. I reminded XXXX that on two separate occasions the Bank has already promised me, regardless of the original terms, that I would receive the bonus. 


XXXX confirmed that I met all the financial requirements of the promotion but said I did not click on the correct website link. I possess no record either way on this matter and I only have to rely on the promises and assurances of the Bank that I was in line for the promotional bonus. 


XXXX told me that Its not up to him, it is up to the back office people and I should call in 30 days and follow up, I should say exactly : " I have a XXXX XXXX ( offer code : XXXX ) '' I have already been fobbed off for 30 days, plus 3 days, and now I am being fobbed off another 30 days.

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 2020-05-05
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$570.00} DEPTEDXXXX   XXXX {$3600.00} XXXX  XXXX {$0.00} DEPTEDXXXX XXXX {$5800.00} XXXX   XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX  XXXX {$4900.00} DEPTEDXXXX XXXX {$2800.00} XXXX   XXXX {$0.00} XXXX XXXX {$0.00} DEPTEDXXXX XXXX {$6000.00} DEPTEDXXXXXXXX   XXXX {$3500.00} XXXX  XXXX {$6000.00} XXXX  XXXX {$3500.00} XXXX   XXXX {$6000.00} XXXX  XXXX {$3500.00} XXXX  XXXX {$6000.00} XXXX  XXXX {$3500.00} BANKRUPTCY CHAPTER 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 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$570.00} DEPTEDXXXX   XXXX {$3600.00} XXXX  XXXX {$0.00} DEPTEDXXXX XXXX {$5800.00} XXXX   XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$4900.00} DEPTEDXXXX XXXX {$2800.00} XXXX   XXXX {$0.00} XXXX XXXX {$0.00} DEPTEDXXXX  XXXX {$6000.00} DEPTEDXXXX   XXXX {$3500.00} XXXX  XXXX {$6000.00} XXXX  XXXX {$3500.00} XXXX   XXXX {$6000.00} XXXX  XXXX {$3500.00} XXXX  XXXX {$6000.00} XXXX XXXX {$3500.00} BANKRUPTCY CHAPTER 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 2017-11-30
Company: ID Analytics, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I applied for a car loan when purchasing a new vehicle - I obtained financing thru XXXX XXXX, the dealer also ran my credit with XXXX XXXX who in turn used XXXX XXXX - I received a letter today stating I was denied credit with XXXX XXXX via the XXXX credit report showing my score of XXXX. My current credit scores are XXXX, XXXX and XXXX - I am a XXXX XXXX XXXX XXXX XXXX XXXX and I am also in the XXXX XXXX and keep a close watch on my score. I have no idea where the XXXX is coming from and I feel it is incorrect and false reporting in order to charge higher interest rates. They stated the reasons for a low score were as follows : LIMITED HISTORY AT THIS PHONE NUMBER - I HAVE HAD IT FOR OVER 18 YEARS LIMITED CREDIT HISTORY - I HAVE TWO CARS, A MORTGAGE AND CREDIT CARDS THAT ARE PAID MONTHLY AND ON TIME LENGTH OF TIME AT RESIDENCE TO SHORT- I HAVE OWNED AND BEEN IN MY HOME FOR 11 YEARS TOO FEW ACTIVE ACCOUNTS- I HAVE TWO AUTO LOANS AND OVER 10 REVOLVING ACCOUNTS FOR OVER 5 YEARS I believe both XXXX XXXX and XXXX are at fault. I understand scores can be slightly different but definitely not by 100 points. These kinds of practices are unfair to a consumer especially if I was a consumer who did not understand how the credit score system works.

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 2019-04-15
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 ( XXXX and XXXX XXXX ) I am not sure how this happened. Each month I get an email stating that I have a statement. Unfortunately, Im not able to view it, see how much is owed or find out when the due date is unless I call them. Each time I speak to someone I tell them that Im unable to access my online account to schedule auto payments, view my charges, see online statements or make any kind of payment. They ask me to pay the bill ( sight unseen ) or at least the minimum via the telephone. I have requested, each time, to have paper statements mailed but they tell me that I can only do that online ( and, of course Im not able to access my online account ). Its a vicious cycle and one that I cant wrap my arms around. At the end of the day, Im paying late fees and getting my credit dinged but still cant see if I even agree with the charges on my credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-26
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Multiple contacts were made to Loancare regarding the discrepancy with my mortgage payment. I have been left on hold and told that a request to reanalyze my payment would be completed but nothing has been done. It has been 2 weeks when I was promised 5 days.

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 2021-09-10
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Hello, I'm trying to use the tradin program call Coinbase. They ask for my driver license to verify de acount. since I send to them the correct information they keep my account under verification and it's impossible to trade with any currency. 

My wish is to verify my account and start working with the cripto coins. 

Thanks to listen. 

Regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
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: Information belongs to someone else

Complaint:
there are 6 hospital collections reporting on my equifax credit bureaus only, inaccurately and these are inaccurate and not mine, i have been disputing and disputing with equifax, but they have been very much stubborn and not helpful, i ma tired of this disputes and not getting help. i have googled and found out that you would be able to help me, i am writing a complaint on equifax consumer reporting agency, since not only they are reporting many inaccurate and fraud account under my reports, also they are not helpful and so much made my life stopped and stressful. 
please find attached the FTC report on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: Immediate Credit Recovery
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Was told entire payoff amount and deadline. 
Sent payment in full. 
Was called back by agency and told i still owed money beyond the payoff. 
That the agreed to amount was not approved Trying to charge me thousands more.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. DEPTEDXXXX XXXX {$3700.00} XXXX XXXX {$9500.00} XXXX   XXXX {$700.00} XXXX XXXX {$1400.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$920.00} XXXX XXXX XXXX {$100.00} XXXX XXXX   XXXX {$610.00} XXXX XXXX  XXXX {$320.00} XXXX XXXX XXXX XXXX {$840.00}

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 2019-04-15
Company: Express Cash Mart Management
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I request the original disclosure of my loan ( cash mart express ) from collection agency but they said ; that they can not provide me with that. I just want to make sure the payday loan debt is mine, because I do not recall if I had any payday loan after my bankruptcy on XXXX. 
But XXXX XXXX XXXX insist it is mine without any prove or even written notice. 
they placed a collection on my credit report without any notice letter or prove of who is the original creditor phone number or address or any documents. 
The collection agency must provide me a document to prove validity of debt. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX NY XXXX ( XXXX ) XXXX - XXXX

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 2020-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX   XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I incurred an interest charge for paying my XXXX balance statement on XX/XX/22 instead of the due date on XX/XX/22. Since I paid my following balance statement ( XXXX ) in full and on time ( XX/XX/22 ), I should have not accrued any further interest. However, I received a second interest charge for almost identical amounts without any valid explanation. The first interest was charged on XX/XX/22 for {$64.00} while the second one was on XX/XX/22 for {$65.00}. 

After failing to receive proper customer service on the matter, I submitted a dispute which was not resolved on my favor without any further communication or discussion. I am still unaware of the reasons for the second interest charge and confused as to why the bank refuses to contact me directly with a valid and acceptable explanation. Their communication and assistance has been poor at best.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-09
Company: Experian Information Solutions 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:
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Experian, XXXX and XXXX XXXX XXXX with no successful resolution. Experian and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

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 2018-04-26
Company: EQUIFAX, INC.
State: MO
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:
Someone fraudulently used my information snd/ or the misleading information derived from Equifax breach. However, I have unknown inquiries on my report dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

According to the FCRA, these inquiries should be removed if not mines, nor have any agency provided me with any physical verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 contacted Transunion via mail on XX/XX/2020 to dispute unauthorized inquiries. I received a follow up letter via mail that was issued on XX/XX/2020. 
The letter was very vague and didn't state anything about any investigation. The letter only explained what an inquiry is how long it remains on your report. I have never applied for anything with these companies, these are fraudulent inquires.

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 2019-04-15
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This Company- Commonwealth Finance , keeps reporting that I owe a debt I have paid in the past. I have disputed this info with the credit bureaus. Now, having done that, after reporting them to try to get the info removed from my Credit Report, they are now sending me a piece of mail showing they want me to pay for a different collection I know nothing of AND it shows the amount owed is {$0.00} but they want to collect anyway. I do not owe these people or those debts. What they are doing is not right! I want this company to stop reporting me falsely and trying to get me to pay money I do not owe. I have done my research and this company is well known for having class action law suits against it for this exact  thing including hundreds of reports to the XXXX for unlawful attempts at debt collections.

Company response to consumer: Closed with explanation