BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-01
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Starting on the XXXX of XX/XX/2019, I fell victim to a sophisticated fraudulent Scam merchant company by the name XXXX XXXX XXXX XXXX ( the Scammer ). Money was transferred from my account to the Scammer via a wire transfer for a total amount of XXXX EUR, utilizing Coinbase services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Carvana Group, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX with Carvana LLCXXXX Was told by Carvana Rep I must file paperwork for a refund of sales tax collected with my local tag office. I went to the Tag office and was told the refund must be processed by the dealership i'm 100 % permanent & totally XXXX veteran. Per GA state law I am entitled to sales tax refund on 1 vehicle that has the XXXX veteran tag. 
Carvana now says it is too late for them to process the refund and my local tag office says CARVANA must submit the request for the refund.

Carvana should correct their mistake/bad instructions and request my sales take payment of approximately {$3700.00} be refunded the XXXX XXXX GA XXXX XXXX XXXX XXXX Ad Valorem Tax on Vehicles XXXX XXXX XXXX This exemption applies to either the annual property tax or the title tax, whichever is applicable. 

This exemption is for veterans who are verified by VA to be 100 percent totally and permanently service-connected XXXX and veterans rated unemployable who are receiving or who are entitled to receive statutory awards from VA for : ( 1 ) loss or permanent loss of use of one or both feet ; ( 2 ) loss or permanent loss of use of one or both hands ; ( 3 ) loss of sight in one or both eyes; or ( 4 ) permanent impairment of vision of both eyes to a prescribed degree.

The exemption is granted on ONLY one vehicle the veteran owns and upon which the free XXXX Veteran ( DV ) license plate is attached. Veterans who qualify for the XXXX XXXX or XXXX XXXX XXXX specialty license plates are also exempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am disputing Account Number XXXX, with Bank Of America. I have been paying {$300.00} a month for more than a year and Bank of America continues to state on my credit report that this is a charge off. The amount owned never changes as well. 

Example of XXXX  : Bank of America Balance {$24000.00} Closed 27 charge-offs Example of XXXX  : BANK OF AMERICA Last reported XX/XX/2020 {$24000.00} Reported balance Remarks Charged off as bad debt Profit and loss write-off XXXX  and XXXX  please remove from credit report.

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 2020-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 continue send me email about credit cards. The I already been a prove. 2 months a go. I was opening the emails and filling the information the was ask. Always was Denied. The company XXXX was referring me Continue open my credit report. My score when down 54 point. I finally figure out there game. Now the want me to hire some with XXXX  to increase my score, also they want to apply for credit. They know the I wont qualify. My score its low. Plus I got an account charging me {$1000.00} Which was my ex the primary person.

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 2021-08-12
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2015, my bill for {$63.00} did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. The account was closed and I now can not get a mortgage because of this mark on my credit. The company will not help me with this unfair situation.

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 2020-11-15
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I need help understanding how experian and XXXX  and XXXX  just allow anyone to place a collection account under the credit score model in my name after this same creditor has been removed from my account several times, i need the law that allows these companies to do so

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 2021-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hello I sent my dispute letters for the accounts and for the hard inquires to Trans union, XXXX and XXXX on XX/XX/2021. I have not heard back about my dispute or with the inquires. I sent the letters asking that the inquires be removed from my profile because I did not approve them. I am not able to get the issue fixed. I have waited over 30 days and have no response.

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 2021-04-05
Company: Conn's, 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:
Conns XXXX  is reporting 2 accounts stating charged off # XXXX amt XXXX XX/XX/XXXX - and another XXXX XX/XX/XXXX for XXXX. 
Ive filed FTC Id theft affidavits on both Accts - reported to XXXX XXXX pd and Tx ATTY generals office - XXXX - Im XXXX XXXX -I demanded any time of validation or verification with no luck- Ive not given this to a local attorney for legal action against Conns and XXXX  for reporting this Id theft -

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: Midwest Recovery Systems
State: MD
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/2012 {$660.00} I was alerted by my credit report that this company reported to all 3 credit bureau that I owe a debt to them and I have never heard of this company. I have never done business with Midwest recovery systems. I do not have a contract with this company. this company added a collection account to my credit report with all 3 credit bureaus without my knowledge. this company has never notified me of this collection account prior to of after it was placed on my credit report. I have no knowledge of this company or the original creditor. I do not owe either company.It is against federal law to place on your credit report without validation of account or notify me of said account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: EQUIFAX, INC.
State: WI
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:
Equifax removed two fraudulent inquires from my credit report, but I was told by them that they would remove all 6 inquires that was fraudulent. I also spoke to the company where someone tried to get an account with them and they said they have no information of me on file but after equifax investigated they said that the results were verified as accurate which is false and the are breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30
Company: HW Holding, Inc
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I lived at XXXX XXXX XXXX XXXX Apartment complex. During the move out procedure, my roommates and I paid them for the move-out package, which would be completed after move out, and which contained a professional carpet cleaning. 

After moving out, we were told the carpet had been replaced as it was dirty and we would need to pay the replacement cost. We were told this after the fact it all happened. We asked if the carpet had been professionally cleaned, as we had paid for that service, and they informed us it had not been cleaned. We asked why we had not been notified and they could not provide an answer. They still demanded we pay them that amount of the carpet. We refused as they had not completed the service they had agreed to, and for which we paid. 

After a month, the company that owns XXXX ( XXXX  ) sent the debt to collections. At that time, we requested that the debt collector ( XXXX XXXX   ) verify the debt - that XXXX had cleaned the carpet and shown the carpet displayed dirtiness beyond normal wear and tear for the duration of the lease which would require it to be replaced, and for us to owe money - per North Carolina regulations. 

XXXX XXXX did not fully respond to debt verification before contacting my and one of my roommates credit agencies. At this time, we have not yet received a complete debt verification answer from XXXX XXXX, now ~6 months after the initial request.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: Diversified Consultants, Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I pulled all 3 of my credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. One of these was : DIVERSIFIED CONSULTANTS INC. The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX. I was advised by my attorney to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. I have attached the letter with my complaint. I mailed it " Certified Mail '' so that I would be able to verify that they received it. I have also attached a copy of the " Certified Mail Receipt '' so that you can see the tracking of this letter. You will notice that this was delivered on XX/XX/2019 at XXXX XXXX. Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. It has now been 47 days, and they have NOT replied. Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX ) and DIVERSIFIED CONSULTANTS, INC. have NOT removed this account from my credit reports, or have sent me any kind of validation. I request for this company to remove this account from my credit reports immediately, as they have not followed the law, have reported inaccurate information on my credit reports, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. Thank you for helping me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30
Company: PHH Mortgage Services Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I contacted PHH Mortgage for assistance as I was not working. I completed a request for assistance, sent my life history, the property was appraised. I received a letter saying that I could make a reduced payment of approximately half of my mortgage payment for three months and would then have to resubmit a hardship package and all documents again. I'm not sure how this is helpful. I was told that I didn't qualify for any other programs because of my debt to income ratio. If PHH was to lower my interest rate and helped me with a repayment plan I could afford the mortgage payment. The investor of the loan XXXX XXXX XXXX does not care about homeowners facing a hardship. I'm asking for someone else to review the hardship package submitted again and reconsider offering us a lower interest rate and repayment plan. Also, I have contacted XXXX our single point of contact seven ( 7 ) times and she has not responded to any of the voicemail messages left. I'm not sure I understand how a reduced payment for three months is a viable option to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$29000.00}, {$59.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$59.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: WESTERN UNION COMPANY, THE
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Refer Western Union MTCN XXXX Money was transferred in someones account in XXXX using my email id. I 'm a resident of XXXX, and an amount of {$380.00} including transfer fees was transferred by someone in XXXX, USA on XXXX XXXX 2017, XXXX XXXX. IST. I have never registered with the Western Union and someone has fraudulently used my email id for the money transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: EQUIFAX, INC.
State: WA
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:
I have notified Equifax two times about an incorrect reporting from XXXX. I attempted to close my account and XXXX refused to stop billing me initially which inflated the balance falsely. I do not understand how they can bully me and take advantage of the fact that I am powerless in the situation. Them simply saying " this is what happend so just deal with it '' is NOT a valid response and should be illegal. This is bogus and I am losing out on opportunities to advance in life because of this false information!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I booked two online tickets with XXXX XXXX ( Locator # XXXX ) for a round trip to XXXX with a departure the XXXX of XXXX from XXXX to XXXX XXXX ( XXXX # XXXX ) and a return on the XXXX of XX/XX/2020 from XXXX to XXXX ( XXXX # XXXX ). The transaction was done in the morning and within minutes I cancelled this reservation by calling directly XXXX to make sure it was done in properly manner and in order to make sure was within the XXXX grace period the airline has in their policy to provide full refunds to the credit card. To this day, XX/XX/2020 no refund has being generated from XXXX to my American Express platinum card and they ( the airline ) claims they never processed the payment. American Express, in the other hand, claims the airline processed the charge of {$1100.00} to my account. 
At this point Iam in the middle of all with a violation to my rights as a consumer that wanted to follow the rules of the airlines fully to be able to do things right. 
American Express after lengthy investigation during disputed charges closed the complaint and are ready to reflect that full amount aforementioned in my next billing cycle. 
Please help me in this matter as it is money that I rightfully believe should have not been charged at all. 
If you need further information please dont hesitate to contact me and I will gladly provide documentation. 
Sincerely, Consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Equifax need to update my credit report ASAP they been reporting inaccurate information on my credit report I provide a screenshot from XXXX removing all fake account from my credit report This is hurting my client need to be removed from all credit bureau AND ALL INQUIRIES LISTED

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I called to get my monthly payment reduced as I am currently not working - was given the option for forbearance. Decided to only do it to ONE of my loans as i could afford the payment for the other. They put the incorrect loan in forbearance therefore making my account past due as I was under the impression I did not need to make payments on the larger balance loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: U.S. BANCORP
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX XXXX XXXX debited my bank account twice for a scheduled etf payment of {$3900.00}. This is not a small amount. I called them and they said it would 17 days to refund the money to my account. This is wholly unacceptable.

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 2020-07-24
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
RE : Acct XXXX Synchrony Bank / Steinmart Credit Card Dear Sir or Madam : I have been trying to get a resolution for over 6 months on a fraudulent charge. Last time I spoke with a customer service representative with Synchrony, I was told to " Just pay it ''. I did not make the charge and can not get anyone to help. Please see my synopsis below : I am writing to dispute fraudulent charges on my account in the amount in the amount of {$200.00} on XX/XX/XXXX. 
I did not make these charges. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. 
I am listing the calls I have made to your fraud department trying to rectify this situation. 
XXXX XXXX reported fraud to my account XX/XX/XXXX called again XXXX, XXXX, XXXX XX/XX/XXXX ( on or about ) I also went to Steinmart in XXXX, TX on the XXXX and XXXX of XXXX and spoke with XXXX ' the assistant manager. She was going to 'look into it ' for me. I have not heard back. 
XX/XX/XXXX Received a letter from Synchrony banks stating they had closed my account and notified the major credit bureaus. 
XX/XX/XXXX Received a letter from Synchrony Fraud Team stating " I had accepted responsibility for the charges ... .I had benefited from the purchase ''

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