BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 called XXXX Bank and asked why they are reporting an incorrect balance. They agreed with me and told me they would fix it. XXXX and XXXX keep sending me back as of XXXX that the balance on the mortgage balance history is correct but it is still reading {$250000.00} instead of {>= $1,000,000} that I provided proof of and the bank confirmed with 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 non-monetary relief
Consumer complaint received 2019-01-22
Company: American Capital Enterprises, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was refinancing my mortgage in XX/XX/ 2018 and my lender told me that there was an unpaid collection of {$1600.00} on my XXXX  file. I was provided with the contact information and the account number of the collection agency. I called the company and was told by the person handling the account that the money represented an amount owed to their client for towing and impound services ( apparently the vehicle was never retrieved ). I asked how they identified me as the individual owing the money and he claimed that they had obtained it from the Department of Motor Vehicles, He claimed that the license plate of said vehicle ( a XXXX XXXX ) showed that it was registered to me. I asked for the license plate number so that I could research said vehicle and he refused to give me that information so I was unable to contact the DMV to do research. Instead he told me I should go to the DMV and ask for a list of vehicles that were at some point in time registered to me. 

The facts are as follows : I have never owned a XXXX XXXX and I have never had a vehicle towed. I have no knowledge of this matter and I do not owe them any money.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-09-16
Company: JPMORGAN CHASE & CO.
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: Account information incorrect

Complaint:
Chase bank is continuing to report a late in XX/XX/2014, this account has never been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
I have a COINBASE account in which I transferred XXXX from my bank account directly to their XXXX bank account ( details as provided by the coinbase app payment screen ). This was over 3 wks ago ( XXXX XX/XX/2018 ). 

The bank has confirmed that the money left my account and went across. 
The money should go into my coinbase account and should clear in 2-5 working days. However it still does not show and COINBASE are refusing to respond to my queries or look into the matter. I have sent 3 or 4 emails over the last few weeks to little response. They sent me a holding reply 2wks ago saying they will look into the matter ( a one liner ), but have not yet done anything about it. I am now down XXXX and a XXXX bank charge. 
Coinbase are supposed to provide crypto currency services but all they have done so far is stolen my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX, Extortion, Predatory lending, Incompetent Employees, Inaccurate reporting, the list goes on. 
The amount is, {$4400.00} They somehow managed to still say that I owe, when I've paid well over {$13000.00} so far for a 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 2021-02-20
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Good afternoon, I am writing in regards to a XXXXIC Systems Collection that has been filed on my credit report. I was un aware there was any outstanding balance to XXXX whatsoever. If you review my history with XXXX I have always paid my balances in FULL. In XXXX of 2020  I moved over to XXXX due to carrier and signal issues I incurred when the merged with XXXX. 
XX/XX/2020 I cancelled one line, XX/XX/XXXX I cancelled the second, XX/XX/XXXX I cancelled the third, then on XX/XX/XXXX I cancelled the 4th line. Since then I continued to receive bills in the mail and they never did cancel the service. I called and spoke to a XXXX rep on XX/XX/2020 to discuss and figure out what happened and why they didn't cancel the account and why i was still being billed. XXXX could not give me an answer and couldn't figure it out. They stated I had a device to turn in so they sent me a box to return the device on XXXX/XXXX/2020. Since then I never heard anything from them until I was notified via XXXX  they sent my account to collections. 
I called IC Systems the day I received notification from XXXX  and they had no clue as to where the total came from and said I had to call XXXX, I called XXXX and they also could not explain why they didn't cancel the service back in XXXX, nor could they explain the charges. They informed me the charged me for the device i sent back because it was damaged and that makes no sense what so ever. The phone was in perfect working condition when I sent it in, if it was damaged I wouldn't have sent it back to them, It would have been cheaper for me to buy the device from them vs sending it back. 
I have disputed this with XXXX and also IC Systems twice and I get nothing from them other than a note on XXXX  that says ( Meets requirement of the Fair Credit Reporting Act ). 
This is not am acceptable explanation. 
I offered to pay them XXXX $ but neither IC Systems or XXXX said they had the authority to accept an offer, so who do i need to speak with? They are both trying to collect money from me that is in accurate but neither of them know nor can explain the charges listed on my report. 
In closing I want this removed from my reports, this account should have been closed via XXXX back in XXXX of 2020, they did not .... 

Thank you for your time,

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 2021-04-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are 5 accounts on my credit report that are not mine they do not belong to me I have not signed used or approved for these accounts this is clearly identity theft and I need this taken care of asap. 

Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 2020-10-08
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I've been unable to access myequifax.com for the past three days in order to view my account, manage a freeze, or dispute a negative entry on my credit report. I have tried calling equifax as well and gone  through their identity verification process, yet despite providing them with balances to my various bank and credit accounts while directly viewing those balances online, they are unable to verify my identity over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: Midwest Recovery Systems
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midwest Recovery Systems appeared on my credit report on XX/XX/XXXX and I reached out to them via email on XX/XX/XXXXto dispute the validity of this account. I had not taken but any payday loans in the last four years and also knew that I had dealt with some companies who were not abiding by CA law. I forwarded the Desist and Refrain Order from the California Dept of Business Oversight showing that any payday loans issued to residents in CA were null and void. They have yet to acknowledge any of my emails ( followups sent on XX/XX/XXXX and XX/XX/XXXX) so I called. A call center rep said that that order had no bearing on their collection since their client, XXXX XXXX, had purchased the debt. My argument was the original debt was made null and void so their collection was invalid. Nothing came of that call and I ended. I reached out to the California Dept of Business Oversight and they forwarded my request to your oce. All I am asking is for this to be removed from credit reports. XXXX has removed it and it is under investigation with XXXX. On XX/XX/XXXX, I received a fresh alert that it had been reported to XXXX which I have since challenged. I thought this had been previously reported to the CFPB but when I checkeed for status, it does not send me login information.

On XX/XX/XXXX, I mailed a certified letter requesting debt validation. It is currently in route and is attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: Experian Information Solutions Inc.
State: OH
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:
Experian is reporting a {$20000.00} credit card as closed which dropped my credit score dramatically and greatly decreased my available credit. The card account is not closed. I have never been late and have never missed a payment. I've contacted card company who confirmed card account is open and has never reported any derogatory information to any credit bureau. Only Experian is reporting and reflecting negative inaccurate information. I've called numerous times only to be transferred and left on hold. I don't know what else to do. This is so wrong and frustrating. Experian is reporting negative inaccurate information about not only my account but my authorized user as well. We really need your help. Has Experian hurt anyone else 's credit score? How is this allowed?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Was approved for a loan, but didn't receive money

Complaint:
How can an already established customer who always make on-time payments for over a year, start off being approved by the lender up until you actually meet with their representative? This is how ... I contacted them to apply for a loan for an emergency and they told me approximately 24 hours later that I was approved as long as I bring in pretty much the same documents I was required to bring in the last loan I received through them. I brought in the documents and the minute she approached me ( the lending specialist ) I immediately assumed she must've been having a bad day since her attitude, demeanor, and commentary was nothing like what I had experienced while speaking with her on the phone. I attempted to cheer her up by being complimenting but her attitude just continued to get worse. Then she started asking me for whatever documents she can come up with ( e.g, birth certificates, credit card & bank statements ) that had nothing to do with the list of requirements she expressed to me over the phone or nothing similar to the list of documents that I had to bring to them my last closing. It was then that I realized that she was attempting to figure out a way to turn me away for no other reason but my appearance since her attitude was nothing of the sort over the phone. My first loan officer was thorough, friendly, and willing to answer all questions since it was my first loan ever. This different/new One Main rep told me she no longer needed the documents and will get back to me the next morning. The next day she called to informed me that even though I had once been approved they decided to deny me and they will send me a letter with an explanation and she was rude enough to hang right up on me. Weeks later they sent me a letter stating only that I was denied and I would have to make a request in writing if I wanted to know the specific reason for their decision. Over a month later they sent me another letter saying that an application that I had never been given was incomplete. I had done everything I was expected to do, I maintained a great credit history with ONe Main with their extremely high interest rates, I brought in all documents required which included the same employer from the first loan, I even showed up to my appointment when asked and I still got mistreated and told anything. I am attaching both correspondences I received back from One Main regarding this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: Ditech Financial LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When our home mortgage was transferred to Greentree Financial we did not receive a notice that our mortgage had been transferred from XXXX XXXXXXXX until we had already Made the current payment to XXXX XXXX XXXX. XXXX XXXX XXXX did not transfer the payment to Greetree. We disputed errant application of the payment, sent faxes with documents but never got it resolved. 
Green tree trans freed the loan to DiTech Financial. In XX/XX/2019 I XXXX XXXX spoke to a DiTech representative who said that if I made Payment of {$1900.00}, which was {$500.00} more than the original payment of {$1400.00}. for three months, that missing payment would be caught any interest incurred would be added to the en of the 30 year loan. The loan was subsequently transferred in XX/XX/2019 to XXXX. 
Today, although XXXX had been authorized to deduct the payment, in XX/XX/XXXX and XX/XX/XXXX they failed to deduct the payments, when I called to correct their oversight, which I also did in XX/XX/XXXX ( the payment was deducted on XX/XX/XXXX instead of XX/XX/XXXX as authorized, I was told that DiTech had not applied the money to that disputed payment. They applied that {$1500.00}. To escrow and other charges they could not specify Our loan # isXXXX. 
Please help, we are senior citizens retired with health problems. My wife has has XXXX twice, XXXX XXXX and a XXXX XXXX and I need XXXX XXXX. We are on a fixed income, trying to do the right thing. 
Sincerely, XXXX XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-15
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX I called to cancel my stolen card. Because I changed my PIN number, they told me my funds were being withheld from me until my new card came in the mail. I asked if I could transfer or if I had any options. I was told no.

On XX/XX/XXXX I called in again. This time the rep said all that was needed was for them to call me on my phone to verify it was me. He then said I could transfer my funds. He specifically instructed me to not use transfer funds, but use bill pay. I then did as instructed and entered in my XXXX card number. 
On XX/XX/XXXX I received my new card as well as a check in the mail. Confused about the check, I called them again. They said because I used bill pay I got a check. I asked them about getting my funds back into my account. He said yes funds will be available thursday. I said ok nvm then I do not want to proceed with that then. He said he sent in the dispute. I said no I need my money cancel it. He said you can it tomorrow without issues, just call us when you cash it. 
On XX/XX/XXXX I go to cash my check, it declined. I called again, now I'm bein told that I can not cash a check in my name that I sent myeelf. I must also want 10 more days for my funds. 
I have bills and I have children they gave me false information causing my funds to be held from me. I can not buy gas to go to go to work, food to eat, nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
Re : Hard Inquiry/Unverified on my behave. I recently checked my credit reports : XXXX, XXXX, XXXX. I have one Hard Inquiry was made by Company on XXXX XXXX,XXXX.Ally Financial : XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX I have called Ally Financial XXXX XXXX XXXX in several occasions left messages for the Supervisor to return the call, regarding this matter.NO returned calls.I also contacted 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 2020-02-10
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XX/XX/XXXX, I was in a car accident and the other person 's insurance was responsible for repairing my vehicle. They offered a total buyout on the vehicle, which I accepted in XXXX. 

I have been trying to replace the vehicle by applying for an auto loan pre-approval through XXXX ( my primary bank ). XXXX uses an automated service to interface with Experian. I have completed steps to submit my information for pre-approval through XXXX multiple times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ), and every single time the pre-approval is declined with an error message reading, " Unable to verify applicant 's identity. '' Surprisingly, each time this happens, these inquiries have also been reflected on my credit score ( even though my identity apparently can not be confirmed ). 

I have spoken with both XXXX and Experian multiple times concerning this issue, with conversations and hold time adding up to multiple hours each time. ( XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) ( Experian : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) Every time I have called one of these companies, I have been told that there is no error on their end and that it must be with the other. I was also told it could be due to my legal name change ( which I brought up ) from more than four years ago, or due to a recent move ( XX/XX/XXXX ). However, I have verified and re-verified every last shred of personal information possible with both organizations and have all addresses listed from the last 7 years of my life and I still can not get pre-approved for an auto loan. I've been without a car for over a month.

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