BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-20
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Experian is continuing to report false and old information from XXXX XXXX. It is reported in spite of being past the period for reporting. They are refusing to remove it in violation of he FCRA.

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 2020-10-27
Company: SYNCHRONY FINANCIAL
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I owe Synchrony Bank a debt due to a Lowes credit loan I applied for and accepted in XXXX. I fell behind on payments and was notified ( via mailed letter ) the debt was sent to XXXX  XXXX  who has now been charged with collecting payment. I have asked XXXX  XXXX  for billing statements detailing the amount owed. They, XXXX  XXXX, have refused to send records prior to XXXX. I believe they are misrepresenting the amount I owe which is the reason behind their refusal. I have already spoken with Synchrony Bank who stated they do have the records but will only send them to 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 2019-08-19
Company: EQUIFAX, INC.
State: MI
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:
XXXX   XX/XX/2019XXXX XXXX XX/XX/2019XXXX XX/XX/2019XXXX  XX/XX/2019XXXX XX/XX/2019XXXX XX/XX/2019 These are showing up on allThree credit companiesEquifaxXXXX XXXX XX/XX/2019XXXX XXXX XXXXt XX/XX/2019XXXX XXXX XX/XX/2019XXXX. JXX/XX/2019XXXX XXXX XXXX  XX/XX/2019XXXX XXXX XXXX  XX/XX/2019XXXX XXXX   XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/2020, I applied via website of PHH for covid 19 RELIEF. I am not making any income and I need assistance. 

I was not able to pay XXXX, XXXX, XXXX. In XXXX I applied for this help. I did not receive any information EXCEPT that I was placed into FORECLOSURE on XX/XX/2020. I am mortified. I do not know what to do. I do not want to lose my property. 

Please help me. I need COVID 19 assistance and this foreclosure to be stopped. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: CITIBANK, N.A.
State: WI
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 purchased a computer with a citi bank/Best buy credit card in XXXX and paid it off within the promo period in XXXX, my account was hacked and there were several fraudulent purchases. Eventually the charges were removed and I closed the account. Now, I'm having issues buying a home because they are still reporting late payments from XXXX on my credit bureaus. Ive called Best Buy numerous times over the last 3 months to get this resolved. Nothing has changed on my credit report and they refuse to provide a letter stating that there were no late payments. They directed me to have the lender call for a verbal confirmation but wouldnt provide a direct number.

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 2017-09-14
Company: Experian Information Solutions Inc.
State: CA
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
OnXX/XX/XXXX, I tried a number of times to contact XXXX XXXX XXXX to initiate a security freeze both online and by phone. In all cases I was disconnected or the information online did not load. I currently have a membership with Experian for {$24.00} per month and have had it for several years. On one occasion a couple of years ago, I tried to cancel my membership with the same results ( the phone would disconnect ). At the same time, I had to change the credit card I had used to pay for their service so I decided just to not inform them however they automatically began to charge the membership to the new card. Rather than continuing to try to cancel membership, I just let it slide until now. On XX/XX/XXXX and onXX/XX/XXXX, I called multiple times to call the number they provided to cancel membership and except on one occasion, the call was just disconnected. The exception was that I received an automated response noting a high volume of calls and the put me on hold for 45 minutes. I finally hung up.

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 2018-04-03
Company: Pacific Union Financial, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I am asking for forgiveness on a 30 day late payment that is on my credit report. I understand people make mistakes and I know that the payment was late and I was going to be charged a late fee but I sent the payment in before it would be 30 days late. I was willing to pay the late fee but never expected to have a 30 day late derogatory mark on my credit report. I mailed my payment in on XX/XX/XXXX for XX/XX/XXXX mortgage payment. The reason I mailed it in is at the time Pacific Union Financial charges a {$10.00} fee for online payments. Due to the New Year Holiday and the Post Office being closed on New Years my payment must have been delayed and did not clear PUF until XX/XX/XXXX. I feel that if it had been any other month my payment would have gotten there on time. I wish they still had the envelope the payment was sent in so I can prove when it went through the post office. This is the only negative mark that I have with my mortgage company and I am looking to refinance out of my FHA mortgage and into a Conventional Mortgage but with this negative mark on my credit report I was told I cant refinance into a conventional loan for 12 months. I am seeking forgiveness on the late payment so I am able to refinance. I contacted my lender and they wouldn't listen to my situation and the reason I gave that it may have been late. I was unable to explain anything they just took my info and said they would look into it. I spoke with a PUF Refinance Officer and he was unable to see any late payments on my account and wanted to go forward with refinancing. I didn't want to have another hard inquire on my account until I made sure the 30 day late payment wouldn't come up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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'm demanding that the following fraudulent accounts inwhich derived from identity theft be removed & blocked from my credit files. 

1. XXXX ss {$71.00} 2. XXXX {$100.00} 3. XXXX XXXX XXXX  {$470.00} 4. XXXX XXXX XXXX  {$83.00} 5. XXXX {$760.00}

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 2019-08-19
Company: EQUIFAX, INC.
State: MS
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:
The following accounts that are listed on my credit report are fraudulent. I have tried to correct this issue multiple times with no success with the credit bureau. Collection account, XXXX XXXX XXXX, $XXXX, opened onXX/XX/2019.  Contact Information is XXXX XXXX XXXX XXXX MS  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: LEXISNEXIS
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. I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Hello, I see on the XX/XX/XXXX at XXXX the ETHEREUM was valued at XXXX USD. 
I attempted to login and sell, as indicated in the email above with the exact timestamp as evidence. You can see I informed you of my intention of selling immediately all my ethereums. 
Therefore, I complied with Terms and Conditions, in particular : " 3.2. Digital Currency Transactions. Coinbase processes supported Digital Currency according to the instructions received from its users '' In panic, seeing that I could not access my Coinbase account for hours ( same as the night before ) and seeing the value dropping significantly, I sold as soon as I managed to login which was many hours after on XX/XX/XXXX XXXX XXXX  ( reference XXXX ). The rate was much lower, I had very limited choice. 

I am very unsatisfied with the situation, this is my first experience with Coinbase, and it was very unsettling and worrying. You are supposed to be in Finance and offer decent access so the customers can access their account 24/7. What occurred was very stressful and unsettling, I even worried it was like " XXXX XXXX '' and that I would lose all my invested assets. 

Now, I am willing to continue my adventures with Coinbase, but I am very unsatisfied with the loss I have suffered due to your technical issues. 

I inform you that I am currently looking with my legal assistance, and with the report to the US Consumer Financial Protection Bureau. 

After that, I have created several support tickets in your system, each times they were answered by generic copy/paste answer not actually related to the issue, and often the tickets were closed despite me stating clearly the issue was not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
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 never had a contract or agreement with Portfolio Recovery Associates. The company has not provided verifiable proof supporting validity of the debt they are attempting to collect on. Although Portfolio Recovery has failed to provide a copy of the complete account history, the original agreement, or any other adequate documentation confirming validation, their repeated attempts to collect on the alleged debt continue. Their collection appears on my credit reports along with credit inquiries dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - none of which were consented to or authorized by me. These appear to be violations under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I found out this servicer NATIONSTART/MR COOPER doesn't have the legal standing to service the Deed of Trust Account, I said this because it occurred an illegal transaction between XXXX   and Nationstar around XX/XX/XXXX Its my understanding XXXX  and Nationstar in the capacity of Servicer cant do a Sale/Transfer on the account without the Approval of the investor XXXX XXXX. In the past I opened an inquire against both of them and now reviewing the principal amount balance it differs from the Amount originally I got it this deed of trust. Further more Nationstart used formal documentation to attest an untrue fact on the origin of the Loan as it shows in the Tax form " it shows XX/XX/XXXX '' which is not the true at all. It was several years before XX/XX/XXXX Also in the last monthly statement I received in the 2nd page it shows " Lender Expenses '' when They are not. 
I don't know where the money I paid its going They haven t showed me in what account of the Investor its going, also I consulted with the Investor XXXX XXXX for the Servicing Rights to Nationstar/ Mr. Cooper They said they don't have it, Then for I believe Nationstar has initiated an account based with my name to enrich themselves without following the Original Note I signed. Also its my understanding while an amount is been in dispute the creditor/debt collector shouldn't be asses any late payment other ways it should be in violations of my consumer rights under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: Holloway Credit Solutions
State: AL
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/18 I paid the debt of {$87.00}, although I have no written request to pay the debt from the collection company or original collector. My only knowledge of this debt is because of the derogatory mark it has left on my credit report. I called the collection company both before paying the debt and afterwards requesting that they delete the account from the credit report and rudely and relatively I was told that no such arrangement was available. This is an aggressive company in their policy that they will not delete the account completely after my request to see a written document expressing the debt as mine, and furthermore would not agree to delete the account from my credit report after I paid the debt to simply get it off of my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I was transferring {$160.00} to a colleague in XXXX on XX/XX/XXXX using Moneygram 's online platform. Since Moneygram states that inclusion of the middle name is optional. I did not include the recipient 's name when sending the money. When the recipient went to receive the money, their agents refused to give her the money on the pretext that her ID had a middle name which was not indicated in the transfer. 

The recipient requested me to speak to Moneygram 's customer service personnel to get this rectified. When I called them, I spelled the middle name several times as XXXX, but their employee entered XXXX. 

When my colleague went back to receive the money, they refused to give it to her on the basis of the spelling mistake made by their own stuff. Upon learning this, I called them once again. This time they refused to rectify it because an earlier amendment was done. They told me that the only recourse was to cancel it. I pleaded with them to pay it as it was because I did not have any more money to send, but they declined to offer any solution to that effect. 

I went ahead and canceled the transaction on XX/XX/XXXX. However, 9 days later today, they still haven't refunded me the money. I have called them several times but they insist I have to wait up to 12 days. Surely, a company that involved in money transfer should not hold on to someone's refund for more than 24 hours. 

My recipient also made me aware that their agents were using this confusion to force her into opening a checking account with them. This is deceitful marketing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Thefollowingaccountsthatarelistedonmycreditreportarefraudulent.Ihavetriedtocorrectthisissuemultipletimeswithnosuccesswiththecreditbureau.XXXXXXXXXXXXXXXXXXXXXXXX,$XXXX,openedonXX/XX/XXXX.XXXXXXXX,$XXXX,openedonXX/XX/XXXX.XXXXXXXX,$XXXX,openedonXX/XX/XXXX.XXXX,$XXXX,openedonXX/XX/XXXX.XXXXXXXX$XXXX,openedonXX/XX/XXXXChapterXXXXBankruptcyDischarged,filingdateXX/XX/XXXX,referencenumberXXXX,U.S.BankruptcyCourt.Theabovereferencedaccountsareonmycreditfilewithoutmyknowledgeorconsent.Pleaseinvestigate.

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 2017-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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: Report provided to employer without your written authorization

Complaint:
Every time a inquiry is made I 'm told this will not hurt my credit that is a lie the inquires are out of control you make one and a whole bunch are inquiring I submitted a complaint and it was not addressed o far I have made XXXX inquires for info just look at the record

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 2018-07-13
Company: Experian Information Solutions Inc.
State: NC
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:
This is actually my second complaint against the Credit Reporting Agencies this year. I placed a dispute in as I am victim of Identity theft in XX/XX/XXXX via the mail and I received no response. I then went forth to upload direct into the CRA and sent the dispute via fax at the end of XX/XX/XXXX. The dispute was submitted with supporting documents on the basis of Fair Credit Reporting Act, Section 605b which states that a victim of identity theft that has accounts breached or established without proper authorization or benefit should be blocked in 4 days. I have attached the supporting documents to this complaint entry.

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 2019-02-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The case was taken to mediation on XX/XX/XXXX and Defendant failed to appear. The case was dismissed per mediators. The Defendant hired another attorney who petitioned the courst several times for judgement. 

The courts original dismissal granted on or about XX/XX/XXXX entered in mediation by which defendant representative failed to appear at the mediation hearing on or about XX/XX/XXXX XXXX at which the plaintiff did appear in good faith with intent to mediate. The court sent a notice of dismissal of law suit to defendants and its counsel on or about XX/XX/XXXX. 

The court denied defendants motion for summary judgement on or about XX/XX/XXXX, and the courts second notice of dismissal to the defendants and its counsel on or about XX/XX/XXXX. On XXXX XXXX XXXX somehow the legal firm was able to overturn the dismissal without my ability to defend or have the court stand by its original mediation dismissal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: Convergent Resources, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Submitted a dispute to three credit reporting bureaus and company claimed the information has been verified. I have never had or opened an account with this creditor nor have I had an account with XXXX that was opened in XX/XX/2016 ( information which they falsely supplied to the credit bureaus.

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 2018-04-03
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received a letter from Weltman, Weinberg & Reis Co., LPA that they were attempting to collect a debt that I owed to XXXX XXXX XXXX for damages in the amount of {$5000.00}. I sent them a letter back denying that I owed this debt as I have never been summoned to court or had a claim filed against me. XXXX XXXX XXXX XXXX has given them information that this is their Claim NumberXXXX. I received a letter from XXXX about a claim about 2 years ago and it seems that a vehicle I sold was involved in an accident in Florida. I signed the title over to the purchaser but I forgot to remove the license plate, however the registration was expired at the time of the sale of the vehicle therefore the driver was operating the vehicle on expired license plates at the time of the accident. I explained all of this to the lady I talked to and thought that was the end of it until I got this letter. I do not owe XXXX XXXX XXXX any money so I don't know why they would turn me over to a collection agency. I also don't understand why these attorneys would attempt to collect a debt without proof that it is valid.

Company response to consumer: Closed with explanation