BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-07
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I contacted an advertisement in XXXX XXXX  selling a XXXX XXXX XXXX XXXXXXXX. 
The text me and send me information about the XXXX via email. Send me a link with the photos. They used a fake XXXX website so i will trust them. The asking price XXXX including shipping. She says she travels a lot with her husband and want it to do the deal through XXXX 's buyer protection program. She said she had a contract with XXXX XXXX  to do the deal on her behalf. She said was listed in XXXX too. She sent the link to see it in the XXXX web site. ( was a fake web site ). She says i need to hit the buy it now botton and follow the instructions to do exactly what they said. She urged me to do the deal because there were other serious buyers and she will cancel all other offers. She added there were a few buyers asking for the motorhome. 
I want it so i hit the buy bottom. 
Got another email supposed to be from XXXX. Asking for my DL and ans assure me that XXXX XXXX will hold the momey wire until i verified the car and title. They assure me they are a third party in the transaction and they will put the money in XXXX escrow account. 
They verified my id and asked for a selfie of me. I sent all. ( STUPIT ME ) SENT to coinbase Inc account they asked me to send XX/XX/XXXX $ XXXX IN A WIRE and did not have the rest of the money so sent XX/XX/XXXX, a wire for $ XXXX with my other account. They replied that they got XXXX only. And want it me to re send the XXXX back again ( i smell the scam by then ) called the bank inmmediatly to cancel the wire. I got back the XXXX in my XXXX XXXXXXXX XXXX account But the XXXX was gone. XXXX XXXX The bank told me coinbase inc withdrawed the funds and closed the account.The scammers never replied back to me. I got scamed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
IhavebeenacardholderwithAmericanExpresssinceXXXX.Nevermissedorlateonapayment.InXX/XX/XXXX,Iwas11dayslateduetobeinginvolvedinanautoaccidentandbeinghospitalizedforXXXXXXXX,XXXXandXXXXXXXX.Importanttonote;Iwasnotatfaultinthecaraccident.However,AmericanExpressusedthatreasontonearlydoublemyinterestratefrom17.99%to29.99%.IbelievethisactionbyAmerianExpressviolatesoneofthebasicprinciplesoftheXXXXCARDACT.Canyouimaginehavingyourinterestrateonanyloandoublethefirsttimeyouareafewdayslate?UNCONSCIONABLE!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: AMCOL Systems, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: Experian Information Solutions Inc.
State: OH
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:
According to the Fair Credit Reporting Act, Section 609 a. 1. A., you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof an original Consumer Contract with my Signature on it for any inquiry you have on file. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
Experian has not complied with any of my request I ask that my inquries that I list be verified with my signature or be deleted. 

XXXX Date of request XX/XX/XXXX XXXX XXXX XXXX  Date of request XX/XX/XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX XXXX XXXX Date of request XX/XX/XXXX XXXX/XXXX XXXX XXXX Date of request XX/XX/XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX XXXX XXXX Date of request XX/XX/XXXX XXXX Date of request XX/XX/XXXX XXXX  Date of request XX/XX/XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Account name XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XXXX XX/XX/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 2019-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
On XX/XX/19 Tried to open a Gas credit card for my business and gave XXXX/XXXX  my business EIN number to open an account with XXXX, but XXXX/XXXX  informed me that my business didn't have a strong credit history. And wanted me to give them my personal social security and I declined to used my S.S number, so I cancel the credit application. 
And the next day XXXX  XXXX informed me that I had a HARD INQUIRIES! when I check my credit report, it was XXXX. Shack!!! I didn't gave XXXX the permission to pull my personal 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 2019-10-11
Company: I.C. System, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2017-10-02
Company: Mutual Management Services LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
While renting a property unit from The XXXX XXXX, I was required to give 30 days written notice before vacating. I did so. The XXXX XXXX did not acknowledge the XXXX days I gave them and they put my account in collections with XXXX different collection companies. The company called Mutual Management in XXXX, FL has been reporting my account in collections even though I have provided proof of cancellation well over the 30 days their client required. It was also noted that their client did not apply any of my Security Deposit to this alleged debt. Mutual Management has been unresponsive and will only speak or communicate with me if I pay their fee.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: AUTOMOTIVE CREDIT CORPORATION
State: PA
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:
The response given is based of recent events. Authorization was recently given however in XXXX, XXXX and XXXX they would not speack to XXXX XXXX with out my ok. I couldnt give an ok cause I was in the hospital XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Even on the phone call today on XX/XX/22 the representative would only let XXXX talk about one of the 3 accounts since she wasnt listed in the other 2.

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 2019-10-11
Company: Receivable Solutions, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: Thaxton Investment Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
The keep calling someone who has asked them to stopped, they call a lot on every phone and leave 2 messages on each phone. I have tried working with them but they will not work with me. The final straw was when someone I knew went to pay on their loan and the manager, XXXX, was nice enough to tell him that i was behind and I needed to come pay him or he was going to come to my house. The person he told this to is not a significant other either.

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 2020-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2022-04-07
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: Was not notified of investigation status or results

Complaint:
With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX XXXX XXXXXX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07
Company: CrossCountry Mortgage LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We are trying to payoff a mortgage with Cross Country Mortgage and have been trying to do so for an entire month. The interest rate is very high. The mortgagee was my husband and he passed away. We have the new company who are ready to pay the mortgage off. The mortgage has a second loan which was created during the pandemic of XXXX. The new mortgage company has requested that Cross Country send the modification agreement to clarify the XXXX. Cross Country has stalled this process causing another payoff statement to be requested. We pay this company religiously and the rate were now paying is 6.5 % z We have a much lower rate secured. Our new lender has tried everything to get this information and so have we. This causes us to remain in loan with a very high rate. Please help us to get out of this high rate mortgage. While this is occurring, the payments are still being made. My income is minimal and I need relief from this loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-02
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Company sent a letter to me on XX/XX/XXXX, of an amount of XXXX. XXXX I did not sign a contract with this office I did not know who XXXX XXXX XXXX is. I sent a certified validated letter to this company they sent me back one page and none of the items that I asked for. Also at the credit bureau the amount is {$350.00} two different amount showing this is messing up my credit please help me to remove this thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: N26 Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
N26 frozen my account. I can not send funds out, use my card, withdraw, etc. I requested to speak with a supervisor and he stated an account thats under review would only take a few days. Its been more than 4 months now and still no results for an account being under review There is about {$5000.00} in there and I still have no answers. Every time I call in now, I cant even get to a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Chime Bankgave me provisional credit for my dispute but then removed it because they basically sayin Im lying. I lost my freaking wallet with my id and PIN number in it but apparently Im lying.Calling A customer A liar tho thats crazy. The money that Im earning is going towards the negative balance and thats not freaking ok. Chime clearly doesnt understand that I need my money and Im human not A robot I need to use money just as well as everyone else they need to fix my account and apply the original dispute amount back on there because they are treating me like XXXX and Im tired of them!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: Experian Information Solutions 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 XXXX XXXX XXXX XXXX, Oh XXXX In XXXX XXXX I notified customer service that I'd been directly impacted by Hurricane Irma and both my county of residence ( XXXX ) and employment ( XXXX ) had been federally declared National Disaster Zones. XXXX XXXX   offered to place my account in forbearance between XX/XX/XXXX - XX/XX/XXXX during which time payments would not need to be made, interest wouldn't accrue, late payments wouldn't be assessed and negative credit reporting would not occur. XX/XX/XXXX I recontacted customer service to inform them that I was still in a financial burden with having to pay for insurance deductibles that was caused by the storm and not qualifying for FEMA assistance. At that time, they offered an extension of the forbearance from XX/XX/XXXX - XX/XX/XXXX, with the same benefits offered as before. When billing reoccurred in XX/XX/XXXX, I disputed the amount owed because it contained late fees and accused interest for 6 month forbearance period. I escalated my concerns to the Customer Service Manager in XX/XX/XXXX when these same charges were being improperly charged. This continued through XX/XX/XXXX at which time they reported my account as a charge off status, reported all payments from XX/XX/XXXX - XX/XX/XXXX as not paid and serious delinquencies to all three credit reporting agencies and sold the original account that was still for the disputed amount to XXXX XXXX XXXX in XX/XX/XXXX and they continue to report collections and serious delinquencies until current, XX/XX/XXXX. This has drastically affected my financial ability to recover and continues to impact my credit scores and livelihood. I believe they fraudulently charged off the account and sold it to XXXX XXXX XXXX because they were unable or unwilling to honor the original forbearance guarantee. I have disputed this with XXXX XXXX, XXXX XXXX XXXX, Experian, XXXX, and XXXX to no avail.

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 2022-04-07
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: Was not notified of investigation status or results

Complaint:
With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: EQUIFAX, INC.
State: CT
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 send a dispute to equifax on the XXXX of XXXX about information that is reporting incorrect on my credit report that show inaccurate date and amount i also mailed three separate copy 's of credit report to show the inaccuracy and today XX/XX/2019 i receive letter of my credit report that said it is verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
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: Account status incorrect

Complaint:
i made a complaint against XXXX XXXX  and my complaint was handled very poorly by CFPB i sent alone with my complaint two pieces of evidence that CFPB did not send with my complaint when this was brought to my attention i spoke with a supervisor who thought it was not a big deal well ithink its a big deal i am asking CFPB TO please reopen my case # XXXX and file it the correct way with all information i will reattach my evidence also my complaint against transunion # XXXX complaint aganist XXXX # XXXX complaint XXXX # XXXX i will be uploading my evidence .i also sent a copy showing that i did upload this info to u

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 2019-10-11
Company: Financial Data Systems
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2019-10-11
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: Information belongs to someone else

Complaint:
I was looking at my credit for the first first time in 5 years and I found fraudulent accounts on my credit report. I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-11
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: Information belongs to someone else

Complaint:
I was looking at my credit for the first first time in 5 years and I found fraudulent accounts on my credit report. I am a victim of identity theft.

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 2017-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/XXXX I I took out a 60 month auto loan with capital one for {$15000.00} which was paid off in full ( early ) on XX/XX/XXXX. I have been fighting with Capital One over the last few years because they removed this loan and all tradelines off my credit reports. When removed it was in positive statues as " positive report '' shows. 
Everytime I dispute either to capital one or CFPB Capital One comes up with another excuse. 

The last excuse given last week stated this was deleted and removed under the seven year delinquency rules because it was a bankruptcy loan. However, this is in accurate and another bogus excuse for several reasons : 1 ) When this was removed it was in positive status and reflected so in " positive report ''. A Also On XX/XX/XXXX XXXX the supervisor with capital one at XXXX XXXX XXXX confirmed on a recorded call with himself, myself, and XXXX from XXXX this account was in positive status throughout its life. 
2 ) This was not included in any bankruptcy and outlined in " bankruptcy details '' 3. Even if Capital One wanted to use this 7 year negative excuse the loan was paid off on XX/XX/XXXX making 7 years XX/XX/XXXX which means regardless it should still be reflecting on my account BUT since it was a positive paid in full and early loan it should reflect so until XX/XX/XXXX. 

If capital one does not make the necessary changes and report this loan to all 3 credit reporting agencies I will take further action upon their response with a private attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
Transunion is reporting fraudulent inquiries on my credit report without my knowledge. I called and asked them to be removed but with no luck. I told them that I would send in a FTC report immediately.

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