BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-15
Company: ARS National Services, Inc.
State: WA
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 XXXX we received a letter from ARS national stating that we owe some money that was n't paid. This is the first documentation we received concerning this issue. When we looked in to it we have never had an account with the credit card company mentioned. We did then pull a credit report and it is showing up on our report. We need to get this removed and our credit repaired. This is not us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: BCA Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had accrued medical bills from a trip to the emergency room which ended up being transferred to the collection agency listed here : BCA FINANCIAL SERVICES,XXXX. Contact Information : XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX, ( XXXX ) XXXX. When i contacted this company to pay my debts they assured me that paying them in full would result in them fully absolving the debt along with removing the delinquencies from my credit report and marking them as paid on time. The derogatory marks remain on my credit report and continue to hurt my credit. I would very much appreciate any action that can be taken to get the company to honor their agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15
Company: GENTRY FINANCE CORPORATION
State: LA
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 submitted disputes by certified letters concerning information on my credit report and requested verification from the company. The verification they sent me was a print out and did not include my signature as requested showing I ever owed any money to this company. No other correspondence was received nor where any of my credit reports ever updated to show that I was disputing the information on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following accounts and credit inquiries listed on my Trans Union, XXXX and XXXX credit report are all fraudulent accounts and credit inquiries, and are not my accounts or credit inquiries : XXXX XXXX XXXX, {$8000.00}, XXXX XXXX XXXX, {$430.00}, XXXX XXXX, XX/XX/XXXX, and XXXX XXXX, XX/XX/XXXX. I been receiving harassing, threatening and annoying phone calls of abusive and profane language, threats of legal action, arrest, jail, prison, harm, XXXX and XXXX, from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX and Debt Collectors, which is an egregious, illegal and a violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Have been alerted my personal credit data has been breached by Equifax. Have spent an hour attempting to contact anyone at Equifax via phone numbers ( have called all of them during business hours ), live chat ( system appears permanently down ), and via links on their website ( these all lead to error messages ) to place a freeze on my credit. 

This is inexcusable and perhaps the federal government can step in to force this company to communicate with it 's victims and make their supposedly free services available immediately. I 'm not sure what to do in this situation as I can not force them to fix their phone lines, website, or internal communication system.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
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 fraud alerts or security freezes

Complaint:
I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or TransUnion in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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 XXXX personal loan accounts is listed on my Trans Union, XXXX and XXXX credit report that 's fraudulent, unauthorized and do n't belong to me. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, Loan Account Number : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, Loan Account Number : 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 2022-02-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX  is reporting that I owe XXXX, I ask for a billing statement or contract with signature on it, I was told they no longer had interest in the account & has since sold to a debt buyer, as of XX/XX/2022 Equifax and XXXX XXXX  are reporting that I owe XXXX XXXX  which is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The following companies ran unauthorized credit inquiry on my credit report and these are suspicious to me : XXXX, XXXX  and 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 2022-02-08
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a letter and XXXX bank statements from TD Bank. I have never banked with them and did not open any accounts with them. The letter I received was informing me that one account was over drawn. I contacted the banks fraud department to report that I am not the one that opened these accounts. They did not ask me for any identifying information just the account numbers on the letters and then told me I would here back from them in 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08
Company: AES/PHEAA
State: GA
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 have applied several times for the PSLF loan discharge program for my federal loans serviced by XXXX. My employer qualifies- and I have been making payment since 2004. The original denial was because I was not on an income sensitive repayment plan - however, with the recent Executive Order, I was instructed to transfer my loans to FedLoan Servicing. I transferred my loans from Navient to FedLoan - and now am being told that I have only made 4 qualifying payments and they are not counting the 204 payments that I have made to XXXX. The guidance issued after President Biden 's order was that borrowers needed to transfer their loans to FedLoan to be considered for the PSLF program. 

This is absolutely unacceptable - as is the fact that XXXX locked me in for 6 % interest for the life of my loan and I was told that they would not sell the loan to another financer. Yet another hurdle in dealing with the predatory practiced of student loan companies that service loans for individuals like myself that would not have been able to attend college without federal assistance. I borrowed {$45000.00} and by the time I finish payments- I will have paid back {$99000.00} in hindsight, I should never have accepted the federal aid. I have already paid back {$72000.00}. This is beyond predatory - and these loan forgiveness programs seem to allow the federal loan servicing companies to skirt around forgiving these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: EQUIFAX, INC.
State: CA
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:
The company mentioned below ran unauthorized credit inquiry on my credit report and these are suspicious to me : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am a XXXX XXXX. One of my clients has authorized US Bank to talk with me at least 3 times, but they keep saying that they aren't authorized. 

They also say that the authorization only lasts 24 hours and then it stops. Is that legal?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15
Company: EQUIFAX, INC.
State: ND
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 XXXX personal loan accounts is listed on my XXXX XXXX, Equifax and XXXX credit report that 's fraudulent, unauthorized and do n't belong to me. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, Loan Account Number : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, Loan Account Number : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Hello, I was a victim of online hackers. They hacked my bank account and Coinbase account. The hackers transferred thousands of dollars in funds to Coinbase then Coinbase approved over 20 something fraudulent transactions in less than minutes, they transferred funds to XXXX XXXX and neither companies will respond by help desk nor email. Coinbase will not answer any emails, they dont have a live customer support. We have yet to receive a response from Coinbase. 

Coinbase failed to secure my account against unauthorized crypto activity and has no protocols in place to flag fraudulent transactions, they still have not even froze my account. This has been a very frustrating and emotionally depressive situation, I lost all my hard earned savings in minutes. I read online about possibly joining a Class Action lawsuit against Coinbase. Please if theres any info you can provide some legal advice I would greatly appreciate getting on a call with someone who can help. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am trying to close my HSBC checking and saving accounts because I do not want to be migrated to XXXX XXXX. Unfortunately there is no way to contact HSBC. I have been on hold with hold with all three available options ( phone, chat and apple messages ) for an hour now. I strongly suspect that they have shut down communication to avoid mass exodus of accounts in order to boost their sale numbers to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Employment data is missing from my Trans Union credit report. I want the following information added immediately to my credit report : Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX, Position : XXXX XXXX XXXX XXXX, Annual Salary : {$150000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-15
Company: EQUIFAX, INC.
State: LA
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:
I sent the company a certified letter dated XXXX XXXX,2017 stating '' This letter is regarding Act. # XXXX, which is listed Discharged in Bankruptcy. This is a formal notice that your claim is disputed. '' I never received any response back from the company about my dispute nor was it ever listed that I was disputing this account on any of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Santander Consumer USA Holdings 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: Account status incorrect

Complaint:
I have a charge off account from Chrysler capital on XX/XX/XXXX that has been reporting inaccurately. At the time of the charge off reporting I was going through the settlement process for my vehicle being defective. I was no longer in possession of the vehicle, however the dealership sold it to another consumer without noting the defects and then close my account out as a early lease termination. I was advised by Chrysler settlement team to leave the vehicle at thus local dealership in XXXX XXXX California in XX/XX/XXXX. In XX/XX/XXXX I was reimbursed by Chrysler capital & the FCA as the vehicle was a lemon. They did not process the buyback correctly and instead wrote it off as a charge off on my credit report. I have given everybody copies of the release agreement as well as copies of the settlement check. However, three years later it is still reporting on my credit card resulting in me getting disapproved for financing. Additionally I have given this information to XXXX, XXXX XXXX, and XXXX who have not taken action Everybody is pointing their fingers at each other and sending me in a three-year loop. There should be no question as I have documentation from my FCA case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-15
Company: Experian Information Solutions Inc.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My XXXX/XXXX XXXX credit card account ending in : XXXX has an inaccurate balance of {$1500.00}. My XXXX account, should have a current balance of {$0.00}. My XXXX XXXX credit card account has an inaccurate balance of {$1000.00}. My XXXX XXXX credit card account, should have a current balance of {$0.00}. Furthermore, I want the following personal information added to my XXXX and Experian credit report : Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX, Position : XXXX XXXX XXXX XXXX, Annual Salary : {$150000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
After reviewing a copy of my credit report i saw that there several items that were reporting incorrectly, were not mine, were missing information, or had incorrect amounts. On XX/XX/XXXX I sent the credit bureaus letters. <P/>I waited almost SIX WEEKS, and received ZERO response. <P/>I again sent another letter on XX/XX/XXXX and now another SIX WEEKS have gone by and I have ZERO response. <P/>I have no idea why they are not responding. i have done everything the websites say that i am supposed to do. I have been very detailed in what i think is wrong with the items that are on there, and i am quite frankly FURIOUS that NO ONE IS HELPING ME. <P/>Thinking that maybe there was something wrong with my ID bc it had an old address ( NOT bc i was told anything by the bureaus, bc no one responded ) - i spent time, and money ( that i DO NOT HAVE ) and got a new copy of my drivers license. <P/>I am incredibly frustrated by the lack of response from the credit bureaus. <P/>Nothing i am doing is getting a response or correction of items on my credit report. <P/>The FCRA states that they are supposed to do a reasonable investigation of the issues i am presenting and i am being ignored. NOTHING IS BEING VERIFIED. THERE ARE THINGS ON MY REPORT THAT ARE WRONG and NO ONE IS DOING ANYTHING ABOUT IT. <P/>I am SICK & TIRED of again, spending TIME & MONEY that i do not have making sure that someone is doing their job. I have to do mine, and i make no money. Someone is getting paid to ignore my letters and its a bunch of XXXX. This is n't fair, this is n't right and i am completely disgusted by this.

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 2022-02-08
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage at the end of XXXX and now PHH XXXX handles it. It was late XX/XX/XXXX when I noticed that one of my tax bills was marked as delinquent. I have two property index numbers associated with my mortgage. One is my condo and the other is my deeded parking spot in the same building. The tax payments for both were always handled through my mortgage in the past but clearly, the deeded parking spot was omitted when the refi happened. I alerted PHH about the issue right after the new year and they have logged a ticket for a resolution, but this is still not fixed and the delinquent tax bill keeps being charged delinquency charges in lieu of PHH not taking care of it. As of XX/XX/XXXX PHH is still passive on this issue. After a veyr long and frustrating phone call with PHH, I got the name of the company they work with for tax payment, called XXXX XXXX. I called XXXX XXXX ( they handle the tax payments with/for PHH ) directly to figure out what the problem is since PHH blamed them for not responding to the ticket they logged with them. A very helpful customer service agent helped me at XXXX XXXX. She noted that not only has PHH not submitted the overdue/delinquent tax amount due last year, but they also screwed up my account even more!!!! Instead of simply adding the deeded parking spot alongside the condo, they omitted the condo tax bill and only added the deeded spot. Had I not called XXXX XXXX directly, this would have turned into a much larger mess than it already is. I am hoping that this will be resolved quickly now that I have gotten some clarity and action from XXXX XXXX, but I am concerned about PHH in general and that they will try to make me responsible for the delinquency charges that have accrued on the parking spot tax bill. There is no reason for the passive/non-urgent response from PHH, not to mention that they were in the midst of messing up my account even more!!! Frankly, it's disgusting that I have had to be the one to take initiative on things they should have been doing all along, i.e calling XXXX XXXX to check on the status/pressing for the resolve of this issue. I have never been late on a payment once, so this is just a gross display of PHH XXXX lack of concern and consideration for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I have written TransUnion as well as called to have unauthorized inquiries removed. TransUnion has failed to investigate and remove these inquiries. 
XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/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