BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-26
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Hello I am submitting this complaint because of a mistake that caused my credit score to drop for a reason that is not my fault at all. The Loan was 60 months long, which was all on autopay. And on the last month that it was supposed to take the money out to fully pay off the loan, the company failed to take the money with the autopay and I also did not get any notifications or emails about it. Now it is a late payment on my credit report and I am not the one at fault. The loan company failed to take the autopay. I also contacted my bank on which the autopay was under, and when I spoke to them they mentioned that no one even tried to take money out of my checking account on the date of the payment. I contacted the loan company and they told me to contact my bank about these inquiries. It is a very mistake which is not owned up by the loan company, which also caused my credit score to drop down horribly. Please fix this mistake because I should not be charged with a late payment on my credit score because the loan company was not consistent enough to check on their autopay or give me any notifications that I have not paid. The last payment was only XXXX dollars, do you think I would ever not pay the last XXXX dollars for the loan, it is literally the last payment for the vehicle. The whole loan consisted of XXXX dollars. Why would anyone with the right mind just not want to pay for the last payment on the loan. It is a problem that needs to be fixed from the loan company, and should not be ignored at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-15
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:
As a consumer, I have rights that are given to me to protect me from misinformation being reported on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-21
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:
On XX/XX/XXXX I submitted disputes to equifax regarding two accounts on my report ( with them only, not XXXX  or XXXX ) that do not belong to me. In addition, there were numerous addresses that Id never heard of and a suffix XXXX added to my name thats not correct. It has taken a month, hours and hours of phone calls, and the issue is still not resolved. They finally today gave me an update, but the XXXX is still on my name, they added XXXX XXXX to my address for some unknown reason ( its a house! ) and told me one of the two disputed accounts was verified accurate. I called the bank in question who told me in no uncertain terms that they dont have an account with me and would not report that to equifax. Someone over there seems derelict in their duties. Im the farthest thing from a xenophobe, but I want to add that in the 10 or so calls Ive had to try and make to resolve this, every person has had the same strong accent, so they may want to reconsider if outsourcing this job to save costs is worth the loss in consumer confidence. Im beside myself right now and wish there was some recourse I could take against a company that I dont have a choice on whether or not I deal with behaving so irresponsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Reference ID : XXXX My account was limited on XX/XX/2018 with funds in it. Its been 180 days and funds is not released.Please adjust my account to withdraw funds. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-08
Company: OneMain Finance Corporation
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been trying to dispute this account and have it removed from my credit file due to inaccurate information reporting to the credit bureaus about this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting 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:
The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 

XXXX Inquiry Date XX/XX/XXXX, XXXX  Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX and XXXX Inquiry Date XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2020-08-14
Company: CCS Financial Services, Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
my credit report show 2 companies reporting a collections I notified on XX/XX/2020 after 2 month no answer, but they verified this account as valid with XXXX, XXXX and XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX P XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, P ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was led to put money in a fraud ent website XXXX XXXX. I put {$600000.00} but I checked with XXXX and was told that this app is not affiliated with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My father had money stolen from his account through fraud. The person who stole it is in jail because of this. 5/3 bank denied my claim saying the transactions were valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Select Portfolio Servicing company told me that for the month of XXXX 2021, that I did not have to pay any money towards my mortgage or forbearance. That I had already paid enough towards my forbearance and that I could skip this payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 have consistently made timely payments without any instances of being late.

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 2021-03-31
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I recently had my hours cut from Full time to Part time and I explained myself to them asking what could be done to get assistance. They basically told me they can only " extend my due date out a week and a half '' it made no sense!! I pay XXXX per month and they literally call and leave a voicemail every single day. I've asked them to stop and it doesn't stop. Nobody on this earth, thought COVID would happen and for the companies to not have a system in place after almost a year doesn't make any sense and they shouldn't be allowed to harrass people for payment.

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 2022-09-18
Company: Experian Information Solutions Inc.
State: PA
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 fair credit reporting act XXXX  account XXXX XXXX account # XXXX, XXXX  XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, DEPT of EducationXXXX account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # 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 2023-07-27
Company: WELLS FARGO & COMPANY
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
My siblings, myself and additional family members ( XXXX people ) are being sued for a debt of a distant family member name XXXX. 

She was my grandmothers sister, who my siblings and I have never met. 

She lived in Florida ( we live in Maine ) and apparently she recently passed. 

Our mother passed 5 years ago and is also listed on the court document. 

An attempt to serve me ( at my husbands home, where I do not live occurred ), but my XXXX siblings were also served, and all of my many aunts, uncles, and cousins. The gentleman who served the documents did not disclose who he was, did not give a card stating he was a sheriff. 

XXXX got sent back ( because i do not live at my husbands home ), but we supposedly have " XXXX '' days to respond or we can lose the case, our wages, money and property. 

My uncle states that XXXX was at the end of life and there were XXXX ladies caring for her that racked up bills, bought cars, etc. 

My siblings and I have never met this lady. We do not know her. We do not have any stake in, nor want any stake in her estate, etc.

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 2023-11-08
Company: Possible Financial Inc
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
INACCURATE! 
NOT DUPLICATE SUMBISSION NEW CLAIM

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Spring Oaks Capital, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
For the record, Spring Oaks Capital said that they purchased the alleged debt. 15 USC 1692e ( 6 ) ( B ) states that the false representation or implication of a sale of a debt causing the consumer to become subject to any prohibited act in the FDCPA is a violation. I would also like to mention that the company failed to provide proof that Spring Oaks Capital has rendered any services or compensation which gives them a right to collect. This is consider false representation and violation under 15 USC 1692e ( 2 ). I challenge you to produce an agreement that I have with Spring Oaks Capital. The failure to produce such agreement is considered unfair practices under the FDCPA, 15 USC 1692f ( 1 ). As established, you mentioned the purchase of the alleged debts. According to 15 USC 1692j ( a ), It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. You mentioned in your response that you are honoring my requests. I wanted to make sure that it included deletion from all consumer reports. If not, I will be seeking remedy for all violations to the FDCPA which infringed my consumer rights pursuant to 15 USC 1692k

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been trying to get a modification from Rushmore loan servicing and they have constantly been giving us a hard time. We applied several times because we are anxious to start repaying our mortgage. They keep miscalculating our income, or find some other reason that does not make sense. The last time they denied us, one of the reasons is that since I was on unemployment due to Covid closing of my company, they said they cant offer a modification on unemployment income because its temporary. However my company reopened two months ago and Im once again back to my usual income. We reapplied and they denied us and told its our denial is permanent.

HOW CAN THEY TELL US THEY TURNED US DOWN FOR TEMPORARY INCOME, BUT THEN WHEN WE REAPPLIED WITH GUARANTEED IMCOME, ,THEY ARE STILL JERKING US AROUND? DID THEY LIE TO US??? IF THE REASON THEY STATED WAS REMEDIED, THEN WHY NOT GO AHEAD WITH THE REVIEW???

Also, we got Sheriff sale date even though we never received a court date, nor even a copy of a judgement against us. How can this XXXX? Where are our documents we should have gotten to come to court? Where are the judgment documents that we never got? Seems to me this is a case for a judge because too many unanswered questions and irregularities concerning this bank and their lawyers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: Experian Information Solutions Inc.
State: PA
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 mailed in several disputes to Experian, XXXX, XXXX disputing derogatory accounts that are not mines, I filed a FTC report, Credit reporting agencies response is VERIFIED, I mailed a request for verification and have not received anything, please help. 
I have been denied credit because of the inaccurate information on my credit report that is not mines, the credit reporting agencies is not accepting the fact that this identity theft, they are in violation of my rights.

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 2017-12-23
Company: EQUIFAX, INC.
State: PA
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:
Stolen identity someone opened credit cards accounts using my identity Open accounts XXXX XXXX XXXX XXXX Amount XXXX dollars XXXX XXXX XXXX XXXX Amount XXXX dollars XXXX XXXX XXXX XXXX Amount XXXX dollars XXXX XXXX XXXX XXXX XXXX XXXX Amount XXXX dollars XXXX XXXX XXXX XXXX XXXX XXXX Amount XXXX Total value XXXX Closed accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-07
Company: Conn's, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On Tuesday XXXX I talked to a representative with Conn 's and informed them that I was going to be paying the bill on Friday XXXX  and asked them to please stop calling me or at least lower the amount that they call me. They increased the amount of times that they called me to 4 phone calls and 2 text messages every three hours. This is unheard of and uncalled for. When I called and asked them to please stop calling me, the rep hung up on me and I received another call within a hour. I am now having to turn off my phone because of Conn 's. I am within my grace period and have made a promise to pay. There is no reason for this abuse!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-08
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
My name Is XXXX XXXX. I have sent numerous letters ( certified ) to Equifax Credit Reporter Agency, in regards to information ( 5 derogatory remarks ) from XXXX XXXX XXXX, that they have not " verified '' in accordance to FCRA Law through their investigative practices. I have sent 4 certified letters to Equifax about this matter They have responded each time, that their investigations of my complaints against XXXX XXXX XXXX, has been " Verified. '' In each of my response back to Equifax, I noted that " In accordance to FCRA section 609 ( a ) ( 1 ) A and section 611 ( a ) ( 1 ) A, Equifax has not supplied me with any original documentation ( including my signature ). Furthermore, under section 611 ( a ) ( 7 ) they had failed to provide me with any information regarding their verification methods. '' In my last letter dated XX/XX/2018, with regards to my pending lawsuit. It states that " Under section 611 ( 5 ) ( A ) of the FCRA regulations, Equifax has ( 15 days ) of receipt my letter, Equifax must delete any and all remarks, which could not be verified. '' Again, Equifax responded in a letter ( dated XX/XX/2018 Note : 16 days after the deadline! ) stating the XXXX XXXX remarks had been " verified. '' Included in my response was a copy of my latest XXXX   Credit Report 's investigation of the same 5 derogatory remarks by XXXX XXXX that had been " deleted '' through their investigations. Also at Equifax 's behest. I included a filed Police report of fraudulent activities against XXXX XXXX XXXX for unsubstantiated negative remarks on my credit report. This is my " Final '' attempt to resolve this issue amicably. I will seek financial relief through my retained attorney in response to their unverified methods. I want to thank you for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I received an email from Chime it said my account was scammed please reset your password, and I did reset it and now I can't access it. 

I tried to reset my password to gain access but I am unable to. I also tried calling and chatting with Chime and haven't had any luck. This has been going on since the beginning of XXXX.

Company response to consumer: Closed with explanation