BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-23
Company: Experian Information Solutions 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:
These accounts were disputed with XXXX and Experian but they have not been removed. These accounts are 100 % fraudulent. 

Account Name XXXX XXXX Account XXXX Account TypeCollection ResponsibilityIndividual Date XXXX Account TypeCollection ResponsibilityIndividual Date XXXX StatusCollection account. {$740.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXXXXXX XXXX Balance {$740.00} Balance XXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Original Balance {$740.00} Highest Balance {$0.00} Terms1 Months On Record UntilXXXX XXXX Account NameXXXX XXXX XXXX  Account XXXX Account TypeCredit card ResponsibilityIndividual Date XXXX StatusAccount charged off. {$1000.00} written off. {$960.00} past due as of XX/XX/XXXX. 
Status UpdatedJun XXXX Balance {$960.00} Balance XXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Credit Limit {$800.00} Highest Balance {$1000.00} TermsNA On Record UntilXXXX XXXX Account NameXXXX Account XXXX Account TypeCharge Card ResponsibilityIndividual Date XXXX StatusAccount charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
Status UpdatedAug XXXX Balance {$1200.00} Balance XXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Credit Limit- Highest Balance {$1400.00} TermsNA On Record UntilXXXX XXXX Account NameXXXX XXXX XXXX XXXX Account XXXX Account TypeUnsecured ResponsibilityIndividual Date XXXX StatusTransferred, closed. {$0.00} written off. 
Status UpdatedJan XXXX Balance- Balance Updated- Recent Payment- Monthly Payment {$0.00} Original Balance {$2500.00} Highest Balance {$0.00} Terms24 Months

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 2020-09-09
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: Their investigation did not fix an error on your report

Complaint:
Me and my XXXX sister were hanging out one weekend years ago on XXXX XXXX my XXXX had our dl & ssc in her purse someone grabbed the purse and in result we have became victims of identity theft and fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Portfolio Recovery Services has been reporting a debt of {$400.00} to XXXX for several months. This company refuses to provide any information and is clearing using debt parking which is a violation under FDCPA and FCRA laws. This is causing extreme financial problems for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: EQUIFAX, INC.
State: MS
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: Problem getting your free annual credit report

Complaint:
I tried to get me credit reports from my annual credit. I was able to get XXXX  but i was not able to get Equifax or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
the reporting company list inaccurate information on my credit report like address, and duplicate accounts.

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 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2020-10-21
Company: Santander Consumer USA 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: Account information incorrect

Complaint:
2 payments are reporting negative ( 30 days late ) that is highly incorrect. I have disputed this multiple times but has yet to be updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-26
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XX/XX/XXXX I am written on behalf of my student loan that I filed bankruptcy on in XXXX due to unduly hardship I had not worked three years prior to filing bankrupt nor worked a year half proceeding bankruptcy. My student loan was not under Navient at the time it was in a collection agency by the name of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, KS XXXX. In which I filed. 
Since filing bankruptcy, Navient has pulled it out bankruptcy reissuing the loan a new account number making it appear as if it was not included in the bankruptcy because the account numbers do not match the previous collection agency number. My issue and concern is I filed bankruptcy on this loan several years ago and I will like this account to be closed and removed from my credit report. 
I have attempted several times to inform Navient about this account however, they continue to tell me the account numbers are different.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Hello, I have been trying for months to cancel the credit monitoring service from Equifax. The only option available is to call in and cancel but I am never able to reach anyone. I just sit on hold for hours. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: Experian Information Solutions Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I reached out to them about the wrong information reporting on XX/XX/XXXX via certified mail. They received on XX/XX/XXXX. It is now XX/XX/XXXX and I have yet to hear back from the company.The FCRA gives the company 30 days to respond. I have not gotten a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I no long can afford the vehicle I offered many times to give it back due to me being in a car accident 2021 where the car was totaled

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 2023-02-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX has been contacted through every appropriate channel with respect to them unlawfully activating an account after I advised in writing to not only cancel application and delete my personal info entirely but ach, phone and email were deleted months ago. 

They have been contacted through various agencies months ago long before they ever reported to credit now they are blatantly breaking the law by repeatedly violating cease and desist, reporting inaccurate info, disregarding request for ccpa deletion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
At the end of XXXX 2020, I closed on a refinance, with XXXX Loans paying off my mortgage to Bank of America. Based on discussion with a XXXX  Loans representative, the payoff was made with a wire transfer on XXXX/XXXX/20, which was the agreed upon disbursement date on my Closing Disclosure. Bank of America claims they did not receive payoff funds until XX/XX/XXXX and charged me 7 days of interest ( {$460.00} ) instead of 4 days ( {$260.00} ) as I expected, based off daily interest of {$66.00}. Bank of America also did not provide confirmation that my loan was paid off with a final statement or otherwise until I specifically contacted them to request the transaction history. 

XXXX  Loans provided me the following reference numbers for the wire transfer, which they say was made on XXXX at XXXX EST : Federal Reference Number : XXXX Bank Reference Number : XXXX Bank of America was unable to confirm or provide reference numbers for the received payoff payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-24
Company: BAM Management US Holdings Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have submitted support tickets since XX/XX/2020 several times with no response. 

I can not withdraw my funds to my bank or another wallet due to email confirmation to such acts issue ( lost only the email access ) They have always helped me out in the past though this time it seems as if they stopped trying to help me with email changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
this complaint comes after exhausting all my administrative remedies against XXXX to fix and error in their part after a fraudulent charge was disputed for XX/XX/2017, corrected and XXXX never cleared the late payment this charge caused. 

i have disputed this issue with the bureaus and XXXX without a successful resolution to the issue. additionally XXXX never notified me properly about this damage to my personal credit report until i had to pay the consequences of the FICO score drop with all my finances. 

i pray and request XXXX clear this late payment reporting on my presonal credit report for the month of XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: Resurgent Capital Services L.P.
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: Old information reappears or never goes away

Complaint:
As a homeless Veteran who has been trying to make amends to be able to purchase a manufactured home. This company XXXX ( Bought out by Resurgent ) has REFUSED every attempt to get this account REMOVED from my credit report. XXXX/RESURGENT RE-AGED this account in XXXX and shows this account is OPEN with a current date of XXXX, which is contrary to actual documents. 
ALL three bureaus HAVE REFUSED EVERY ATTEMPT to have this account removed from my credit report. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: Experian Information Solutions 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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX {$1000.00} USDEPTED XXXX {$3500.00} XXXX XXXX {$4200.00} XXXX XXXX {$1900.00} XXXX XXXX XXXX {$5800.00} XXXX XXXX {$920.00} DEPTEDXXXX    XXXX {$1200.00} XXXX XXXX XXXX   XXXX {$33000.00} XXXX XXXX   XXXX {$430.00} XXXX XXXX XXXX XXXX {$610.00} DPT ED XXXX XXXX {$180000.00} DEPTED XXXX XXXX {$2500.00} USDOE XXXX XXXX {$11000.00} USDEPED XXXX {$2500.00} DPT ED XXXX {$12000.00} DEPTED XXXX XXXX {$9400.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 2020-07-10
Company: EQUIFAX, INC.
State: AL
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:
In XXXX of XXXX, I disputed several collection items with XXXX, XXXX  and Equifax. as of today XX/XX/2020 I have not received any response from either of the three bureaus. Also In the Dispute letter I included the proper documentation to have the investigation started I also sent a 30-day non-response dispute letter to all three bureaus XXXX of XXXX  and I have not received any contact back about my dispute. I'm contacting the CFPB to help me with this issue and getting my investigation started in removing these collection items because of the Fair Credit Reporting Act that states 30 days of no investigation and the item should have been deleted or verified. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: Coinbase, Inc.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I have been trying to get access to my Coinbase account since XXXX. I have created a Case # XXXX on XXXX XXXX to resolve this issue but I have not received any action or timeline on when I will have access to my account. Coinbase has no human customer support whatsoever, and will not resolve support requests.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-26
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 have requested and reached out to your company on several occasions about accounts reporting on my credit file. These accounts are not accurate and or not my accounts XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-02-24
Company: Shellpoint Partners, LLC
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 status incorrect

Complaint:
I paid my mortgage in full in XX/XX/XXXX and under XXXX the account still shows open with a {$260000.00} balance it also shows a payment in XX/XX/XXXX from when I opened a dispute through XXXX against Shellpoint but I have not made a payment since the payoff in XX/XX/XXXX. The XXXX XXXX report shows closed with an outstanding balance of {$260000.00}. The XXXX report shows closed with a {$0.00} balance. When I call Shell Point, also operating as New Rez, they confirm that the account was paid in full in XX/XX/XXXX and they have closed the account. I have disputed this through the credit agency and I have also called them and tried to get this resolved to no avail.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: First Commonwealth Mortgage Corp.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I took loan for mortgage from First Commonwealth mortgage and I got different closing process than the rest of mortgage borrowers and when I went for closing day they told me that this lender put all restrictions about the loan and repayment which is any borrowers have to repay the loan after certain grace period which is 45 days normally but for me the first payment have to be paid less than 3 weeks of closing day which will be more difficult to start paying back after all closing cost and down payment and its is really hard for us to restart payment within 3 weeks. closing lawyers they said this not normal way of closing the house but they can not change because lender set their own repayment and I got treated differently than the rest of mortgage buyers customer because of my Origin and race. 
Lender never told us what options we have for repayment and never ask or discuss with us about repayment plan everything we saw at closing day by lawyers paperwork to sign and he told us if we dont sign or closed the house that day we will lose all our down payment so they force us to sign paperwork and I got treated differently than other borrowers If you close early in the month, youll pay many more days of prepaid interest at closing but your first mortgage payment wont be due for about two months, as our scenario above illustrates. 

For example, I close on the XX/XX/XXXX, ill pay about three weeks of interest at closing, but ill have nearly two months to make my very first mortgage payment. 

In fact, because lenders typically provide a grace period to pay up until the XXXX of the month, i could actually have more than two full months before the first payment is due. 
But clearly lender did wrong by made us to restart payment after 3 weeks of closing This bad practice and we got discriminated because our origin and race.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hello, I recently had an account with capital one bank which was closed due to their decision not to continue the business relationship with me. However, i have tried numerous times to call them requesting my funds ( I have a little over {$280000.00} ) which they are not able to give me any details about receiving my funds. 

I believe this bank is stealing my money and not communicating with me in regards to my repeated requests to receive my funds. 

I would like this matter investigated and prosecuted to the full extent of the law for this bank to close my account and hold my money hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: Williams & Fudge, Inc
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a collector who is constantly calling, and is insisting that I owe for an account which has been paid from Financial Aid ( FAFSA )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2018 my checking account was hacked in amount of {$440.00}. 00 and credit card was hacked in amount of {$500.00} by someone using XXXX App. 53rd Bank Fraud Department alerted me. Filed a verbal claim at that time. Went to bank an put a stop on both accounts. Fraud Department denied my claim said it was my fault. So I filed a dispute an they denied it. Saying they could not determine I didn't give the hacker my account information. My next action law suit.

Company response to consumer: Closed with explanation