BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-04
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: Old information reappears or never goes away

Complaint:
Deferment was supposed to be backdated to when payments where missed according to the customer service representative. The dates are XXXX, XXXX, XXXX, andXX/XX/XXXX. I requested my credit report on XXXX XXXX XXXX and noticed 4 missed payments on my credit report. The company keep giving me the run around everything I call. I have decided to reach ou to the CEO of XXXX. I was going through XXXX XXXX during that time but applied for a deferment that was supposed to be backed dated to the missed payments. My account was in good standing before and after those 4 late payments appeared that are n't supposed to be there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Exeter Finance Corp.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Company names is Exeter finance I have been harassed for three years for a debt thats not mines I need this company deleted off my credit report immediately I Have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX I may presume that no proof of the alleged debt, nor therefore any such debt in fact exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Failure to remove credit check after they said they would

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 2018-01-04
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
The XX/XX/XXXX I initiated a SEPA transfer of XXXX euro to my XXXX bank account. The same evening the transfer was marked as completed and I got a e-mail that I would see the money on my account the XX/XX/XXXX. 
Until this day I have not seen my money and all attempts to contact CoinBase has failed. 

It seems that I 'm not the only one who have n't received the money from the XX/XX/XXXX. And it 's unacceptable to not give your clients any information whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: MoneyLion Inc.
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX and XXXX XXXX of money lion, botj handled this dispute. Initial conversation via email warranted push back and disregard for my details toward complaint. As stated, 22 plus payments were made without issue to this company. At a point their company deemed my checking account ineligible for payment toward my account with them. A default selection was not offered nor were my attempts to utilize other methods of payment. I explained this that their was an issue on their end. Im XXXX I received a debit card from a company called XXXX in which I was successful making two payments on the third my payment was blocked again. I explained this several times to both XXXX and XXXX XXXX. 

I was given a basic response & disregarded after. They sent my account to charge off without resolve. Poor communication and customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: TRANSUNION INTERMEDIATE 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: Old information reappears or never goes away

Complaint:
Deferment was supposed to be backdated to when payments where missed according to the customer service representative. The dates are XXXX, XXXX, XXXX, andXX/XX/XXXX. I requested my credit report on XXXX XXXX XXXX and noticed 4 missed payments on my credit report. The company keep giving me the run around everything I call. I have decided to reach ou to the CEO of XXXX. I was going through XXXX XXXX during that time but applied for a deferment that was supposed to be backed dated to the missed payments. My account was in good standing before and after those 4 late payments appeared that are n't supposed to be there.

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 2021-12-21
Company: Experian Information Solutions Inc.
State: NJ
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2021-12-22
Company: Experian Information Solutions Inc.
State: NY
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 Experian a letter asking them what method of verification they used prior to reporting the Bankruptcy on my credit report. Experian 's result is " The compnay that reported the information has certified to Experian that the information is accurate. '' Who is the company. I have asked Experian several times to report the name of the company who is certifying and verifying the bankruptcy and they refuse to answer me. I am requesting that Experian either disclose the company that provided the information or remove the bankruptcy from my 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 2019-05-03
Company: Diversified Consultants, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Called multiple times with phone number that was linked with account and was unable to retrieve account. Tried to talk to humans only to be on hold for a very long time or closed. When canceled my account with att they took phone number out of system to where I couldn't pay with automatic system. Never got notice about bill.I was on the phone almost a hour just to talk to someone from XXXX, my XXXX bill has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: Brock & Scott, PLLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was recently served a civil summons from the XXXX County Sheriff 's department. The collection agency listed on the summons was an agency called Brock and Scott.  Prior to the receipt of this summons, I did not received a notice of my right to dispute. I was not even given the opportunity to challenge the debt prior to a XXXX County deputy showing up on my doorstep. Additionally, I live in XXXX County so this company did not even file the paperwork in the proper county.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: NC
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 Equifax 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 Equifax, XXXX, or XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: ACS Education Services
State: RI
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:
When entering repayment in XXXX following in-school status and grace period, the servicer, XXXX XXXX XXXX , sent all notices/bills/correspondence to an address that I have never lived at nor had any association with and were making phone calls to a number I have never been associated with ( XXXX XX/XX/XXXX ). I contacted the servicer directly to inquire about billing and payments in XX/XX/XXXX, it was then that I was I was informed I was behind on my payments and directed into general forbearance. I was never informed that they had incorrect contact information for me. I was lived at the same address and had previously received correspondence about educational loan at that address, my promissory note lists the correct address, which remained my address through XX/XX/XXXX. I only became aware of this error on behalf of the loan servicer after requesting my full account history via a FOIA/Privacy Request in XXXX It remains unclear to me if my personal information was shared with a stranger. 

As a result of this servicer error, interest was capitalized to my loans and I was unable to make payments on my student loans that would have been considered qualified payments for XXXX. The interest cost of this error was passed on to me ( {$1600.00} in capitalized interest ). I have inquired multiple times as to why my basic account information was incorrect and the scope of disclosure of my personal information. I have never received an explanation. As a result of the error, I did not receive any correspondence regarding repayment and missed the opportunity to begin payment for XXXX  months. 

I have documentation to support my claim, it contains personal information and can be provided upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: Netspend Corporation
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I have funds ready to be added to my account. today it is needed to be open to add funds. I wanted to use this account for my Government refunds also receive my rewards. I don't have ID I don't have as card. I was robbed and having issues with getting these things to the time frame of receiving funds. I'm looking out on my rewards because of all these poofs. The info you have in me is plenty for my identity to prove it is me. I need the account to replenish that info. I feel I was used by Netspend to another block from my XXXX life. You promised $ to start up. And now I'm denied more access. Ridiculous ness!

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 2019-05-19
Company: TRANSUNION INTERMEDIATE 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 disputed XXXX XXXX and XXXX XXXX multiple times. I have sent proof multiple times that these accounts are incorrect. XXXX corrected the problem but XXXX  and TransUnion continue to ignore the evidence I have submitted. My score has plummeted and each site even suggested obtaining a credit card to help the score and it HURT my score.

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 2017-07-27
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made the mistake of purchasing a washer, dryer and refrigerator from Sears. I was told that if I opened a Sears credit card that I could get free delivery. After two weeks of waiting, I was told that the items were going to be delivered on Friday, XX/XX/XXXX. I got a call that morning from the delivery personal that the items were arriving. Then I got a call 2 hours later that the refrigerator was gone. Sears later changed their story, saying the refrigerator was never on the truck. I attempted to cancel the refrigerator twice because Sears told me it would be another two weeks to obtain a refrigerator. They initially refused to cancel the item and when they finally did, they refused to send me written confirmation saying that written confirmation was not possible. Move forward another week, my Sears credit card arrived and I immediately set up a payment ( in XXXX ). Sears waited until XX/XX/XXXX to submit a letter that they could not run the payment, but they never sent me a letter even though I had n't yet signed up for paperless billing. Come the XXXX, I find out I have a late fee and my bank says there is nothing wrong with my routing or checking account number. I called customer service and tried paying yet again only to get another letter that THAT payment did n't go through ( I used a debit card the 2nd time ) and that my late fee had not been removed as per the reps assurance. I have spent 22 years handling my credit with kid gloves only to have it ruined by Sears. Their practices are unethical and it is no surprise they are going out of business!

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 2021-12-21
Company: Experian Information Solutions Inc.
State: NY
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 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2018-01-07
Company: Cash Express, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On or around XXXX XXXX, I received an installment loan from Cash Express , LLC under the Tennessee Flexible Credit Act ( " the Act '' ). Accordingly, I received a periodic statement from Cash Express , LLC stating I owed around {$110.00}. Accordingly, I sent the statement and " paid-in-full '' and " accord-and-satisfaction '' check to Cash Express , LLC 's headquarters located in XXXX, TN around XXXX XXXX. Accordingly, I later received another periodic statement on XXXX XXXX, XXXX stating I owed around {$830.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: ALCHRO 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:
XXXX XXXX XXXX XXXX is calling all times and let it I know that if I do n't pay this account my credit is going to be damaged and I can do nothing with my credits. This account is 7 years old and is still appear on my credit with {$130.00} and {$2000.00}, Those accounts are from 2010 and are almost 8 years of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: Equitable Acceptance Corp
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I received a letter from Equitable Acceptance Corp. Saying they could reduce my student loan debt. They made me believe they were taking over my loans but I instead they are not providing the service that they portrayed. They are charging me to manage my account, which is what I have been doing. They will not let me out of the contract which is for 48 months unless I pay 40 % of their service fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: Experian Information Solutions Inc.
State: NC
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:
Contacted " XXXX XXXX XXXX '' on CFPB and they seem to think that their late marks on my credit report are correct. They stated that they received my Bankruptcy notice in XX/XX/2017. I filed in XX/XX/2017 so the late marks are irrelevant. They need to remove them. They stated that I have to file a complaint with one of the 3 major credit bureaus.

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 2021-09-15
Company: Resurgent Capital Services L.P.
State: LA
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 response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Phoenix Financial Services LLC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
When calling the company, I spoke to XXXX XXXX and he refused to advise what company he was associated with along with advising if he was a collector with a collections agency. When he refused to acknowledge that he was a collector he hung up on me. I called back and after 3 times of calling back, someone finally answered without hanging up. I advised to the company that I would be filing a complaint with the CFPB. No one mini Mirandized me either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I sent in full payment to their finance company and relayed this information to XXXX, week ago. I am still being called and harassed by them, this is not a duplicate complaint it is an extension because the called are still coming and I want them to leave me alone and am hoping that these annoying phone calls stop. They are also calling and hanging up which is an unacceptable practice. I paid them in full and I want XXXX to never contact me again ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: JPMORGAN CHASE & CO.
State: OR
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Chase was sent a check to pay off my car around XX/XX/XXXX, they received the check sometime after the XXXX. 


They were contacted by the buying car dealership to check in on the status Tuesday XX/XX/XXXX and said it will be applied shortly. Well due to this my monthly payment was late because I was told the payoff would cover it. 

As of XX/XX/XXXX chase has still not paid of the vehicle even though they are in possession of the check. 

Chase is unwilling to work in a timely manner or provide a solution while forcing me to continue to pay on a car I do not own anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: Receivables Management Partners, LLC
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I filed a chapter XXXX amortization of debt in XX/XX/XXXX. I have been paying on this ever since and it is scheduled to be completed on XX/XX/XXXX. XXXX XXXX XXXX has been reporting this as a bad debt charged off in bankruptcy. This is inaccurate information. The original balance on this account was XXXX and we have it payed down to almost XXXX. This agency has multiple reports ( about 5 ) on my credit saying it was charged off in bankruptcy. I have tried to dispute it on my credit 3 times as well as called the company with no success. We have also been denied credit because of a " past bankruptcy '' due to this entry on our report. The last person who I spoke with ( XXXX XXXX ) stated that he could see where we are paying on this account. When I questioned why would it be reported as a bad debt written off in bankruptcy if it is clearly being paid. He quickly said he would have to talk to the attorney who did my amortization and he could no longer discuss this matter.

Company response to consumer: Closed with explanation