BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-03
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: Old information reappears or never goes away

Complaint:
The credit bureaus don't answer the phone and the on line dispute center has not worked in 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
Consumer complaint received 2019-03-15
Company: ALLY FINANCIAL INC.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
When I was married my ex wife and I we get a car so I'm the principal, then we get divorced and we signed a paper when I'm not responsible for any action of that car, and my ex wife didn't pay, miss payments, incomplete payments, back pay, but now they called me that he dealer get the car and they sold it already on a auction, but my question here is, they can sell the car with out my signature? Because I'm the principal on the loan, and they said that they sold the car on {$9000.00} dollars and some so they said that the balance is like {$14000.00} and they said they willing to work with me and they discount me like {$4100.00} so that's normal that they sell the car with out my signature? So they asked me to pay in full in 6 months, almost every time when my ex didn't pay the monthly payment they send me a letter when she miss pay and this time when they went to pick the car up and they sold it on some auction, they didn't called me or letter or nothing, but now they calling me to pay the difference of the money, what should I do?

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 2021-03-30
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX, XXXX XX/XX/XXXX XXXX Credit Bureau Name Bureau Address Im Writing to you today in shock due to The fact that after reviewing my credit file, I found several errors you are reporting which are hurting my good name. I expect you to listen to my instructions and get this taken care of swiftly. 

XX/XX/XXXX Accounts are being reported with different either different payment statuses or the balance is {$0.00}. Under date last active. If this is the same account being reported by the same creditor why is the information different? Furthermore, if my balance is XXXX, why is the account still on 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 2019-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 a 90 day late payment being reported on my XXXX  XXXX account # XXXX for XX/XX/XXXX with XXXX, Trans Union, and XXXX  on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time they have come back and stated that they verified it as accurate. I was in an approved financial forbearance during the time that the delinquency is reporting. I have attached the documentation, so how are they verifying this entry as accurate?

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 2019-09-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I received an invitation from HSBC US to apply for a credit card in the mail. I completed the application online. My application was approved. This happened XX/XX/2019. 
I got my credit card XX/XX/2019 and managed to log in on HSBC 's website to view my account. 
On XX/XX/2019 I received balance transfer checks in the mail. 

However, I can not use the card, because I didn't receive a PIN number from the bank. HSBC claim they can not verify my identity. I have spent 8 hours calling and chatting the bank with no result. 
I emailed HSBC 's fraud department a copy of my drivers license XX/XX/2019 and again XX/XX/2019 ( this time from XXXX office ). 
Absolutely no response. 

Why is this bank allowed to commit this kind of deception in the US?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: PLANET HOME LENDING, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
They ( Planet Home Lending ) are constantly calling me, even after I just made a payment. Tonight X/X/17 they called me at XXXX XXXX Pacific time. They are harassing me, even though we have discussed options, and payments. I 'm tired of being treated like a child. I want this to stop. They are causing a great deal of unnecessary stress and discomfort in my life. I know I 'm behind on the payments, but I am continuing to make payments, and am currently working on a long term solution to my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I recently was going through a divorce and found out that my ex-husband was not paying my credit card bill my credit cardbill. And it was fairly delinquent I contacted the company made arrangements started making {$75.00} a month payments and they were hitting me with a {$38.00} late fee every month and interest on top. I have called them my payments went up to 90 some dollars a month still were hitting me with the late fees and interest started sending me harassing letters Im finally up to {$200.00} a month and Im still getting letters from the company theyre still hitting me for the full interest and the {$38.00} a monthly fee because my credit is still past due even know I making the payments before the bill is due. I am barely affording to put food on the table for my child but I managed to pay them {$200.00} a month when all the other credit card companies will work with me for little payments and then drop my interest-rate hardly nothing and removed all late fees if American Express would take off all the late fees and drop my interest my payments would become very reasonable and I could pay off the debt but they are unwilling to work with me at all all they want is more money and they just keep threatening me to collections. They hit me with a {$38.00} fee and almost {$100.00} a month in interest so you see that my balance is not going to come down quickly at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-22
Company: Experian Information Solutions Inc.
State: AZ
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 sent out Identity theft packets to all 3 credit bureaus they have not blocked my information that I deemed fraudulent on my account.Bc by law all credit reporting agencies Must block any information deemed fraudulent by the consumer within 4 business days of receiving their identity theft Report. They have failed to do so this is my 3rd time sending them my packet with the information deemed fraudulent a most recent packet got delivered to all 3 on XXXX I have yet to see those accounts come off my report.I NEED THESE DELETED NOW!!!!!

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 2019-01-31
Company: Experian Information Solutions Inc.
State: AZ
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 a 90 day late payment being reported on my XXXX XXXX account # XXXX for XX/XX/XXXX with XXXX, XXXX XXXX, and Experian on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time they have come back and stated that they verified it as accurate. I was in an approved financial forbearance during the time that the delinquency is reporting. I have attached the documentation, so how are they verifying this entry as accurate?

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 2019-03-15
Company: Experian Information Solutions Inc.
State: FL
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:
trying to get my home refinance thru XXXX, i believed that i have outstanding credit i pay everything on time and have plenty of credit, the 3 reporting agencies came out with XXXX different scores, i also been a victim of fraud in the past, i have a full time job and my yearly income is over {$100000.00}, i owe {$80000.00} on my home and is value over {$400000.00} never been in bankruptcy, so why is it that the 3 reporting entities are trying to make me a victim when i have comply with the rules all my life, i'm just trying to get a refinance and get some cash back so i can build a warehouse, is there anything that somebody like me can do to try to survive, yesterday i also was trying to change home insurance because my policy when up this year for no reason with XXXX XXXX XXXX i try to get a shipper policy with XXXX and after they ran my credit they said the same thing that my credit report score came in to low and that is why they are increasing my insurance policy, this is predatory lending all over the system and the most affected are the most vulnerable like us Senior citizens, please help

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 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
TransUnion knowingly used my information to solicit and put damages on my credit report. Dark pattern is the termed used and it's against the law. Thanks

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 2019-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on loans with the XXXX - partial account number XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.

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 2019-09-17
Company: CNG FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I received a call on XX/XX/19 at XXXX from XXXX, XXXX XXXX , from an XXXX XXXX  XXXX concerning a debt that was forwarded to his office needing final recommendations prior to sending to the District Attorneys office in my state. I was unable to return his call at the time. In the meantime, a call was placed to my husbands phone, the secretary at my office, and repeated phone call to my supervisors private, personal phone number until she left a meeting to take the call. The message was the same information-a legal matter that needed my attention prior to making recommendations to the District Attorneys office and Sheriffs Office in my state. XXXX XXXX started to my supervisor that law enforcement would be sent to my place of employment at XXXX to serve me with papers/arrest. My supervisor stated that I would not be disturbed at my job. Mr. XXXX stated that he would place a phone call to my superintendent to further discuss the matter, as I am a XXXX   XXXX. Upon my supervisors return to XXXX-she gave me the information from the call. During my planning on XX/XX/19 at XXXX, I placed a phone call to XXXX and spoke to XXXX XXXX. He refused to provide me with written documentation to validate the debt he was referring to. Rather he verbally harassed me, questioned my integrity as a professional XXXX, stated I must think I am above the law and proceeded to state he would submit evidence that I would be charged with grand larceny in my state and would be arrested at my XXXX  the following day. I continued to ask for documentation and he stated he was terminating the call. I called back again requesting documentation and he stated that he had all the necessary information and proceeded to tell me my name, address, place of employment, mortgage company, husbands name, husbands SSN and date of birth, husbands employment. I asked for documentation to be sent to my home address and the phone call was terminated again. My third call to XXXX XXXX, I was accused of harassment and was placed on hold while a 3 way call to my XXXX district superintendents Office was placed. In the call, a message was left on his secretaries voicemail stating that there was information faxed to the office with information regarding an employee. Then the phone call was terminated. The 4th, 5th and 6th calls were also terminated when I asked the representatives to provide documentation to validate the debt, I know my rights, and to make them aware that phone calls were recorded. Mr. XXXX also placed calls to my husband, which were returned but Mr. XXXX was not in the office to speak with my husband at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Collector : XXXX XXXX XXXX XXXX ( XXXX ) XXXX This collection company was engaged incorrectly by XXXX ( XXXX ) XXXX regarding an unpaid medical expense. The date of service was XX/XX/XXXX and this debt was paid on XX/XX/XXXX. 

I contacted AMCA on XX/XX/XXXX and advised this debt was in error and I required a letter advising it had been removed. The representative advised that they do not send letters once the debt has been resolved. This was not well received and I advised I require a letter. 

On the same day, I contacted XXXX directly and Spoke with XXXX XXXX. She reviewed my file and advised there was no outstanding balance and this was sent to collections by mistake. She called AMCA and advised them that the debt was in error and that they would send me a letter to resolve. 

Today, XX/XX/XXXX, I contacted AMCA again regarding this incorrect debt after receiving a third collection letter. I was under the impression that this was resolved. I spoke with a representative, XXXX XXXX, who advised that there was no proof of debt being resolved. I relayed my conversations from the prior contact on XX/XX/XXXX and he advised there was nothing he could do. I asked repeatedly on his recorded line for information regarding the regulatory body for debt collection. I was repeatedly advised that he does not have this information and there was no one else to talk to. 

I sent my proof of payment via email to XXXX and will be faxing the same email to them at ( XXXX ) XXXX. They have repeatedly told me that they will not send a letter of debt being closed. This seems improper handling of my account and a direct threat against my credit report. It would seem that they do not have any regard for consumers that are incorrectly in their cross hairs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX I was informed that my credit limit on my Chase XXXX visa had been decreased by {$1400.00}. The letter was dated XX/XX/XXXX. 12 days after Id made a payment in the amount of {$860.00} on XX/XX/XXXX. In addition to a {$62.00} payment on XX/XX/XXXX. Followed by another payment of {$500.00} percent n XX/XX/XXXX. Chases reason for decreasing is based on a credit pull from XX/XX/XXXX and as they described delinquency on my credit report. Meanwhile I havent had any recent delinquency on my accounts as they are all on autopay. I also havent missed a payment on this account since XX/XX/XXXX. Due my having the wrong bank account linked. But I have since made every payment on time since then. I find it very disturbing that this change would take place after I made good faith payment to significantly bring my credit utilization down. Where it was once close to 80 % I managed to bring it to around 35 %. Now with the decrease my usage is up to a high of 78 %. Not to mention at the time of the later my score had gone back to XXXX. While the credit score is explained to have also played apart in their decision, I was told the score had nothing to do with it. Ive even received credit limit increases from other creditors which is why Im so confused as to why this happened soon after making those payments. Chase explained that they could request a review of my account for an increase. But that would too affect my credit score. Which is something XXXX dont want to do at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: P.S.C., Inc
State: WA
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2018-06-06
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I had a different account at coinbase that had money in it. My phone got torn up so I was unable to retrieve my account without a two-factor authentication code which could only be used on my phone which i did not have. i had a different phone that was not linked to this account. So i called the company and they said there was nothing they could do at this point, they would have to have their specialists look at it. which they did not! I even gave them the new phone number so the money could be transferred to a new account with my new e-mail. Ive have called numerous times since this happened and they give me the the run around. that they need a specialist to look at it and there is nothing they can do at this time. How long does it take to transfer money into a different account. Ive went to the hospital to deal with my XXXX and XXXX this has caused me. I just want my money back, even though its ony {$110.00}. They have caused me to lose money when cyptocurrencies started to go down.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received mail about a unpaid debt, I called them and disputed that there was some mistake. Then on XX/XX/2018 the account showed up on my credit report ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-31
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 a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
transunion showing payment when i dont have a payment lowering my fico 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 2020-09-15
Company: Franklin Collection Service, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is not my debt, it just randomly appeared on my credit file XX/XX/XXXX XXXX I was a victim of identity theft, Ive reported the identity theft to the police and all 3 credit bureaus with no resolve, Please assist me with clearing my name ... Franklin Collection Service is the collection agency and the original creditor is XXXX, I dont have an account with XXXX  or Franklin Collections, Ive never had an account with them ... they claim I owe them $ XXXX..this is fraud

Company response to consumer: Closed with explanation