BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-11
Company: Superior Holdings, LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a vehicle from Superior Auto in XXXX, Ohio. My loan is set up to where I pay weekly. Sometimes I've paid a month or two in advance. Recently, upon review of my auto loan account history it has become apparent to me that my payments are not being applied consistently between principal and interest. I believe the account rep and or company is not applying my payments in accordance with consumer finance law. Attempts to address this with management and the account rep to no avail. I've had to go to a different city and county to make payments at another dealership location because of the level of unprofessionalism at the office where I purchased the vehicle. While at another location a manager informed me he didn't understand what was going on with respect to how my payments were being applied and he has never saw a loan with a per diem as high as mine, when compared to loans with consumers who's credit profile is similar. 

Numerous times that I've paid {$140.00} weekly approximately half was applied toward principle and the other half applied toward interest. Other times, the split of my payments between principle and interest didn't equal the payment I made. Lastly, payment splits were applied even more disproportionately than others. Something, simply doesn't appear right. 

I have been late a few times. My late pay has sometimes been a couple of days and other times a week. I've also had a couple of returned payments. For which online payment was suspended, but has since been restored. However, I always brought the account current within 7 to 10 days. Nevertheless, my account has been current for more than 3 months. 

Recently, I resumed making {$140.00} weekly payments. The split between principle and interest has been even more disproportionately applied with the payment being applied solely to interest. When am account is current like mine the payment is supposed to go to principle and interest. 

The application of my payments to principle and interest is grossly inconsistent and has raised many red flags. I believe someone is altering payments in such a way that is lining the pockets of the account rep ( s ) and/or the company thereby violating consumer finance law and strapping me with a higher interest payment. 

Any assistance in this matter would be greatly appreciated. 

Sincerely, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
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:
I found a incorrect account on my experian credit report. 
I disputed several times but is still on my credit report. 
Company Name : XXXX XXXX XXXX Account : XXXX Open Date : XX/XX/2012Reason : It is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
OnXX/XX/2021 A collections was submitted on my XXXX credit, as well as XXXX & XXXX from LVNV Funding for XXXX. Never heard of them. I disputed debt thru XXXX account XX/XX/2021. Requested to Produce & Validate the debt with a original contract with their Company heading & my signature on it. No validation was produced. Instead LVNV Funding updated the debt of XXXX as an active account with monthly installments on my XXXX Credit report. Also checked XXXX & XXXXXXXX. I dont have an account or any business with LVNV Funding llc XXXX 
2.I responded with a dispute thru XXXX account and asked LVNV Funding to remove the false account along with 15USC1681 for reference. The false information is still on my credit report. 
I am trying to refinance my home. The false credit reporting is hurting me from refinancing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: CREDIT ACCEPTANCE CORPORATION
State: OK
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2018 a vehicle was purchased and I was listed as a co-signer. After the primary borrower neglected to pay I never received notification that the primary borrower was behind on payments. After the car company sold the vehicle for more than the balance owed on the vehicle and is still attempting to collect it. I am asking that this car company provide the bill of sale for this transaction which proves I do not owe anything for this vehicle. Also, I would like them to prove that they notified me when the borrower failed behind on payments. According to the Fair Credit Reporting Act, creditors must notify borrowers and give them at least 30 days to dispute the validity of debt before placing it on someone's credit report, this right was denied to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
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:
I am needing to move out of my apartment due to the bad maintenance. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion I learned that I was not able to get the apartment due to a amount of that are not mine. I need those items removed as soon as possible please.

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 2018-11-21
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:
I am a victim of identity theft and I write to dispute certain information in my file resulting from th e ID Theft. I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: DISCOVER BANK
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive attempted to dispute this account multiple times and they continue to say this is MY debt. I told them someone opened an account in my name and theyre still attempting to collect this debt from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-22
Company: SYNCHRONY FINANCIAL
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on SYNCB/CARECR. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2021-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been trying to resolve the unauthorized inquiries from the credit bureaus since XX/XX/XXXX. I have requested full validation and asked the credit bureaus to send me proof such as my signed authorization permitting the inquiries. They have not provided. All I get back from the credit is that my credit report is " update and as factual ''. How is this proof? I need proof as these inquiries were not authorized by me. 

Here are the unauthorized inquiries in question : 1. maha XXXX Inquiry from XX/XX/XXXX XXXX 2. XXXX XXXX Inquiry from XX/XX/XXXX XXXX 3. XXXX Inquiry from XX/XX/XXXX Bank 4. XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX 5. XXXX Inquiry from XXXX XXXX, 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 2020-04-28
Company: EQUIFAX, INC.
State: AL
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 recently for an apartment and I got denied. I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
EOS CCA agency placed a collection on my credit report showing I owed {$860.00} to XXXX. They have called me and I told them I owe no debt to them or XXXX and to prove it. They refused to show me proof of the debt and they continue to call me with threatening calls. I did a little investigation myself. I found two email letters sent to me from XXXX showing I returned their equipment which is proof I owe nothing to XXXX or the agency. I filed a complaint with XXXX  regarding XXXX sending a debt to an agency that I do not owe. Someone from XXXX called me name XXXX XXXX who left a message and said she would investigate and find out why the agency was calling me she also said she was going to contact the distribution center for XXXX to confirm the equipment was returned. The next day I get an email from Ms. XXXX telling me that my account was sold to EOS CCA agency and that she could not do anything to assist me and that I needed to contact the agency. I have proof XXXX received my equipment which I will upload for you to review. XXXX refuses to acknowledge they are selling accounts to an agency for debts that most people do not owe. They refuse to own the fact that they did not update my account to show the equipment was returned to show I owe nothing. In fact I received another call from someone name XXXX at XXXX executive office claiming that it is not their responsibility to contact the agency it is my responsibility. I told XXXX that it was XXXX fault my equipment was returned in the year 2017 and they neglected to update my account accordingly for that reason they sold my debt in error for a debt I did not owe. I asked for his boss and he refused told me again it was nothing they could do. I ended the call. He called me back and said I am going to notate that you hung up on me. I told him to since he refused to get me someone above him that there was nothing more to say. Call was ended again. I want EOS CCA to be investigated for buying my account in which I owe nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2021 around XXXX i tried to use my cell phone but it did not dial out. I called my cell phone company T mobile and they told me that someone transfered my phone number to Metro Pc wireless phone company. T mobile Supervisor conntected Metro Pc and explaind to them that my number was hacked and transferred to them without my authorization. T mobile was able to retrieve my phone number from Matro pc aer 2 hours and reactivated my number XXXX once again. Right aer that happened i could not sign in to my yahoo email, my Coinbase investment account or Binance us investment account. I contacty yahoo and they did reset my password. I tried to call Coinbase and XXXX but they do not have customer service phone numbers. I did search this companies emails and sent them emails letting them that someone hacked my cell number and i am not able to sign in and requested that they freeze my accounts and not to accept any transactions. Coinbase and XXXX investment were very slow to act and took time responding to my emails. On XX/XX/2021 i called XXXX and XXXX bank and found out that there is unauthorized transactions from Coinbase and from XXXX XXXX. XXXX and XXXX is conducting investigations. On XX/XX/2021 found more unauthorized transactions at XXXX bank by Coinbase and by XXXX. 
I been sending several emails to Coinbase asking them to refund my money but they refused and they keep sending me emails that the case is closed and final.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This Account is too old to be on my credit report. The account is more than seven years, it should be taken out on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX This is the third time I have file a complaint. I am filing a complaint about some addresses that are not accurate on my credit report. My SS is XXXX my DOB is XXXX. I am trying to make a Home purchase and my credit report is full of errors. 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 2021-10-22
Company: EQUIFAX, 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:
I have been trying to resolve the unauthorized inquiries from the credit bureaus since XX/XX/XXXX. I have requested full validation and asked the credit bureaus to send me proof such as my signed authorization permitting the inquiries. They have not provided. All I get back from the credit is that my credit report is " update and as factual ''. How is this proof? I need proof as these inquiries were not authorized by me. Here are the unauthorized inquiries in question : 1. XXXX  XXXX  Auto Financing Companies Inquiry date : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Auto Financing Companies Inquiry date : XXXX XXXX, XXXX 3. XXXX XXXX AUTO FIN Auto Financing Companies Inquiry date : XXXX XXXX, XXXX 4. XXXX XXXX Auto Financing Companies Inquiry date : XXXX XXXX, XXXX 5. XXXX XXXX XXXX Banks- non specific Inquiry date : XX/XX/XXXX 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have owned many Chase credit cards over the past ten to fifteen years. Most recently, I had two cards that were active, but used only one for purchases, etc. The company charges {$95.00} annually for the use of the card. Recently, I decided to cancel card with annual fee and use my non-fee card instead, but the card will expire in XXXX, so thought best to receive the new one with same account number, which has been the case in the past, but instead they cancelled this account, misunderstanding my request and said I'd receive a new one with a different account number in a few days via USPS and it might require a signature, all this via messaging because they are not taking phone calls during this health crisis. 

On my account page online, it does not show that the card I want to use as being cancelled, yet in the grocery store today, it was denied. I am now left with NO credit cards for purchases until I receive the new one. I have sent another message regarding this but have not received a response to date. 

How is it that an enormous bank such as JP Morgan/Chase does not have the work force to respond to queries from its customers via phone? If I had been able to discuss this via phone with a person, it is likely I would not be without an active credit card today.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: Bread Financial Holdings, Inc.
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:
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and XXXX XXXX XXXX with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
You would think Wells Fargo would have learned not to maintain bogus fee-charging accounts for its clients after multiple years of scandals. But it just continues... My business has an equity line, which charges an annual fee if funds are drawn. The balance is XXXX. I've asked the bank in writing to close the equity line so that I do not incur future fees. They have refused to close this open account - apparently they have some internal policy which they are clinging to, trying to justify their refusal to take action. How complicated is this? I don't recall agreeing to be subjected to more fees because a bank can't manage their own internal policies. Please close the equity line, end of story, I don't want to be charged more fees....

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 2018-11-21
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was put on a repayment plan with this collection agency. The payment plan was put in place so I could make small payments and help reduce my debt. The payment was due on XXXX XXXX. I did not have the funds in my bank account at the time but got paid today on XX/XX/XXXX. When I called to make my payment I was told my account was passed over to the legal department. I was not given any notice via letter, email or call regarding the matter. They stated that they called but i did not have any voicemails. They usually leave me one. I successfully made a payment on XX/XX/2018 of XXXX to show that I am willing and able to continue the payment agreement.

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 2019-09-05
Company: Torres Credit Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I was never informed of the debt being purchased by Torres Credit Services via mail or phone. I am not sure when they purchased the account from XXXX. However the account with XXXX remained OPEN although the service was disconnected at XXXX XXXX XXXX due to the sale of my property. Payment was paid in full with XXXX not Torres Credit Collection Service which is reporting on my XXXX report and is INACCURATE and needs to be removed from my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Signed up for Frontier Airlines credit card. Missed a payment due to lack of receiving a monthly statement or even notification that a payment was due until the day it was due. Received notice that account was past due the day the payment was due. Paid total balance on that day. Barclays erased all my points because of a {$29.00} past due which they did not notify me about until it was too late. The card offered XXXX points after 90 days and {$500.00} in spending. I met both of those requirements and received the XXXX points plus all the other points I accumulated. When the payment was due but not received they wiped out all my points. They never sent me a statement.

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 2021-05-07
Company: SinglePoint GI
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
GENERAL REVENUE CORP hasn't validated this allege debt and is seeking to get money from me as well as report negative debt to the credit reporting agencies. I don't owe this money to them. I asked for the CFPB help on XX/XX/2021 and I have yet to get any resolutions. Its still being reported and I feel General Revenue Corp is getting a way with murder. I feel discriminated against because I am XXXX and they think I don't know my rights.

Company response to consumer: Closed with explanation