BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-15
Company: TMX Finance LLC
State: NM
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
Ive payed over XXXX for a XXXX loan in almost 3 years & theyre saying I still owe more and I cant afford this anymore its hurting me so much financially! Came to a settlement & later was told that there is no settlement & that there is still a balance!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: 21ST MORTGAGE CORP.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
21st Mortgage has been harassing both myself and my wife with multiple phone calls daily if we are so much as a day late on our mortgage payment. We have tried to work with them and explain the situation as I recently lost my job, however, they refuse to do anything for us and start to become hostile when we explain we can not pay it yet. We attempted to pay our mortgage payment of {$690.00} that was due on XX/XX/2022 today ( XX/XX/2022 ) and they initially refused payment and got hostile with us regarding our situation. This abuse has just made the situation far worse and the stress from receiving multiple calls a day is awful. They have also lied and said they do not call more than once a day but our phone records prove that this is not true. I have never had another company harass or abuse me this much in my life, and I hope action is taken against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt 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 non-monetary relief
Consumer complaint received 2022-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
There are inquiries on my credit report that were not authorized by me. I do not own a car, nor have I been searching for one. These inquiries appear to be from auto finance companies. I sent dispute letters to both XXXX and Transunion, that are in compliance with credit reporting laws. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete

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 2019-10-21
Company: Receivables Management Partners, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
hi i dont know who is the creditor and i have this account on my profile show a balance of XXXX , ,i would like to request a validation from a third party collection agency .. 
i need proof of either own or were assigned the debt from the creditor. 
and i need a copy of original contract with my signature! 

please if would like to respond to : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is in reference to complaint XXXX. Transunion said that they verified this late payment, but I sent proof that I paid on time and Im still seeing it on my credit report. The only legal form of verification is a copy of their bank statement proving when my account was late. Unless you can furnish this, you need to remove this late payment According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected. I demand this be updated to paid as agreed on all 3 credit reporting agencies. 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 non-monetary relief
Consumer complaint received 2018-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
ive been enrolled into the customer assistance program ( hardship ) since XX/XX/XXXX. the first payment was due on XX/XX/XXXX of XXXX, the payments were being done automatic.. the account is closed by the creditor and that's fine. the collection agency states that they are turning over the payments to the creditor. the in house collection dept states that they see the payments. so I contacted customer service dept at XXXX XXXX   and they stated that even thought the account is closed and turned over to an out side collection company they ( XXXX XXXX/XXXX ) can still report the account delinqent

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 2021-08-11
Company: Conn's, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I was ambushed by this company by a fraudulent advertisement in the store, the sign said 24 months same as cash, after opening the account went in to make my first payment only to find out it wasnt 24 months same as cash but 12 months same as cash, so I panicked to try and get the account paid off before the 12 months, I felt since they hadnt explained it therall to me on the end of the contract I needed 2 more days to come up with the full amount, Got an associate on the phone that needed to get approval from a manager and he put me on hold came back to the phone saying he had gotten it approved so I called back a few days later to pay the account off and the new associate had no clue of what I was talking about but these calls are recorded, but they claimed they did an investigation and they didnt find anything which is ironic, because upon taking payment or setting up payment arrangements the calls are recorded.So long story short I ended up paying hundreds of dollars in interest fees because after they didnt hold up there end of the bargain the account nearly tripled I struggled to pay it off which I finally did but had nemerous late charges and late payments I was devistated. I had a total of 3 accounts with this company now I only have 2. I had no clue what to do, plus they were reporting late payments to my reports during the height of the pandemic XXXX and XXXX of XXXX also XXXX and XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX Claim # XXXX I deposited the {$1300.00} on XXXX 2022 XXXX military time. 

The is the receipt as a proof the item the I deposited {$1300.00} was deposited, were, not able to be returned. 

I deposited cash {$1300.00}, and, I clicked check by accident, also, the day the ATM machine was acting slow and the screen kept on freezing.

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 2021-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 have received a copy of my credit report and found alleged items that I do not recognize and therefore must be deleted. Pursuant to FCRA 623, I am demanding their removal. I have listed the referred to items below. 

Accounts : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX According to the provisions of the Fair Credit Reporting Act 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ].

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: AES/PHEAA
State: LA
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:
On XX/XX/XXXX I was supposed to have my student loans I had already excepted him and they were ready to come in and XXXX XXXX went into my account like he always does he always ask my passwords trying to steal morning and went and told the loans that I didnt need them anymore which luckily I called them but he has no business going through my passwords or even being on my Wi-Fi. Being that we dont live together and shouldnt be anywhere in the same town but he does not know how to respect boundaries because he has a common thief

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: ROBINHOOD MARKETS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX I attempted to access my Robinhood account as normal and it said I had password wrong. I figured I had somehow forgotten after several times. 
When I used the reset password function I did not receive email from Robinhood as I should have. At this point I attempted to contact Robinhood customer support via telephone. All phone options are dead end so I began emailing. I got form response at first, after a week they said " the emails you are receiving about password change are probably another user who typed email wrong ''. Robinhood sent me an email address that I do not recognize and said that it was my email. I replied that it was not. Robinhood has sent form reply, saying they will get to it in 3 days. It has been almost a month. 
I have emailed almost every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: DISCOVER BANK
State: MO
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:
Due to lack of response from these companies, I am filing this complaint to XXXX XXXX XXXX, and DISCOVERBANK. They have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-29
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They are reporting an account that I do not recognize. The Caine and Weiner # XXXX {$800.00} and XXXX XXXXXXXX # XXXX {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX partial acct # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX partial acct # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX partial acct # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX partial acct # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX partial acct # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-15
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico 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 XXXX 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2021-07-09
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is trying to collect a debt that is not owed and it is negatively affecting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
I joined coinable early when it was relatively new. I was a bitcoin investor and miner. I would mine bitcoins and send my earnings automatically to coinable and I would use coinbase to buy bitcoins. One day my account was banned and I was given no explanations no amount of time I contacted them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: CAVALRY INVESTMENTS, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I previously submitted complaint # XXXX about this same debt. Now Im being contacted by a new company stating that my account is subject to resumption of collection efforts. This debt is over 10 years old. How do I stop this harassment?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: RoundPoint Mortgage Servicing LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2023 I made two payments to RoundPoint Mortgage Servicing because Auto Pay was grayed out and the online billing statement gave incorrect date so I sent a second payment in to make sure my mortgage payment was not late. 

XXXX has not applied the 2nd payment in the amount of {$640.00} to the principal balance but instead lists it as " Suspense Balance '' with a gray bubble note " The amount of unapplied payments that the system places in suspense pending research to determine what portion goes to principal, interest, late charge, escrow, insurance, or other payment elements. '' None of the gray bubble notations apply to my mortgage payment. 
I can not get a hold of anyone by phone, email, or text at RoundPoint ; nor do they respond to XXXX, XXXX, etc. 
I DEMAND, REQUIRE IMMEDIATE ACTION THE 2ND PAYMENT MADE IN XX/XX/2023 BE APPLIED IMMEDIATELY TO THE XX/XX/2023 PRINCIPAL BALANCE. IMMEDIATELY ADJUSTEMENTS BE MADE TO MY MORTGAGE BALANCE AND ACCOUNT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: TD BANK US HOLDING COMPANY
State: CA
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:
Hello, Ive paid off a car that was a total loss and I was forced by td- auto finance to pay the remaining balance off in 30 days and I paid it within the 30 days. I waiting a couple months to see if they will take it off showing I paid in full but they reported as a charge off which isnt because I paid it off before the 30 days were up. Ive already made an report to each credit bureau about this and only one of the credit bureau was resolved but the others havent. Its been more than 30 days and I need it resolve so I can buy a house. They will next finance me for money until thats cleared. I also called TD auto back and they told me it was their mistake and they will take it for me and its been over 30 days still with no updates. I also have a letter from TD auto stating the car is paid off in full so it shouldnt be a charge off.

Company response to consumer: Closed with non-monetary relief