BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-08
Company: MoneyLion Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Around XX/XX/2019 I got a notice to e-sign docs for an approved loan I did not request. I called Moneylion to see why I was getting this. They had all my personal information. I told them that wasn't me and not to send any money to that account since someone had my info. I told them to document my call to ensure it shows fraud in case they tried to do it again. I was assure they would close the account with my name. I filed a police report and changed my password and bank accounts. Months later, I see this loan on my credit report! I email them but they replied back saying thats wasnt the email to use. I check my credit report today and still see this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have a dispute with the credit bureaus, all 3 have reported my score dropping 33 points between XX/XX/2018 and XX/XX/2018 when I checked it. 
Not one of them could tell me the event that caused it. Have yet to hear back from them and it has already been 3 weeks. 
The credit bureaus are telling me to contact XXXX XXXX, XXXX XXXX is saying it is the credit bureaus fault and in the meantime I am not getting any answers from either one. 

My credit report with XXXX showed that on XX/XX/2018 XXXX XXXX did a credit inquiry without my consent or knowledge. Subsequently the very next day they closed my account without my consent or knowledge. They have since reopened it sometime later to cover up their mistake. This is the only event that could have caused my credit score to drop. 
XXXX XXXX has denied doing this and suspiciously right after I filed the initial dispute on XX/XX/XXXX, all of a sudden I can not view this information on my credit report any more.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: JPL Recovery Solutions
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX from JPL Recovery Solutions has called 2 ex family members asking about me. I want this stopped this is illegal and I never have anyone permission to talk to anyone about me. They are putting my job and custody of my kids in jeopardy. This must stop now!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/19 : deposited {$5000.00} check from XXXX into our Bank of America checking account via ATM. Immediately informed that there is a deposit hold : funds available XX/XX/19 XX/XX/19 : funds deducted from XXXX account. Still see deposit hold XX/XX/19 : bank officer states he can do nothing. Advised try using the app to resolve. Did that. Told hold would be in effect until XX/XX/19. 
That is 11 calendar days or 8 banking days. Were a consumer to do this, it would be check kiting, with BofA it seems policy

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 2017-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX, XXXX ACCOUNT # XXXX amount XXXX date XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$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 non-monetary relief
Consumer complaint received 2018-04-14
Company: AmeriHome Mortgage Company, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
when i first open my mortgage account with XXXX XXXX mortgage who sold to amerihome mortgage. i was informed that i had to sign up for automatic withdraw. i did that and somehow between the time that i filled the paperwork out and faxed it back to amerihome and they incorrectly set up the account. i called several times as i then received pre-foreclosure and found out that my account was not paid as i requested. I spoke to a supervisor, XXXX, to catch up with the payments. the supervisor informed me that i have received incorrect form in the mail for the auto withdraw. at that point i was able to get the correct form and it is completed. She also informed me that my credit would not be affected, yet it is. Attached are the two forms that i completed,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18
Company: ALLY FINANCIAL INC.
State: WA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
Leased a vehicle from Ally Financial. They are showing a balance of {$550.00} for excess wear on a wheel. This balance has been reported to the Credit Bureaus. Per the literature Ally sent to us regarding end of lease procedures/policies, excess wear constitutes broken, mismatched, bent or cracked wheel. 
Per the inspection report completed by Ally Financial, dated XX/XX/17, none of the above conditions are noted. We were an A paper loan for Ally and have excellent credit rating. During the course of our 4-year lease, there was never a late or missed payment. 
Again, based Ally Financials literature, the damage does not warrant a charge. Furthermore, this wheel can be purchased new for {$200.00}, not {$500.00} plus.

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 2018-02-28
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was set up with a payment plan to resolve my debt. I made all the payments to the creditor on time and should have ended my debt in XXXX of XXXX. 

Creditor says they did not cash a check in XXXX of XXXX. I have proof they did. 

In XX/XX/XXXX I received a notice that the creditor was going to garnish my wedges. 

I have tried to contact the creditor to resolve this issue. 

Creditor took money from my paycheck on XX/XX/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 2019-02-14
Company: Green Square Company LLC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have received several illegal robocalls, and well as illegal and false misleading, misrepresenting calls stating that I participated in some fraudulent activity concerning a financial institution. I contacted the company and they said they were under new name XXXX XXXX XXXX. I looked up the so-called new company I found nothing such company. I requested validation and was transferred to another rep. then another rep. I never got any direct answers or any website information or FAX or even a email. This company is not licensed to do business in the state of OHIO. They are using bait and switch tactics to get you to pay for an account that is unverified, as well as under dispute for Fraud. PRG has no regard for FDCPA Laws and this company needs to be Stopped PRG AKA 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 2019-02-14
Company: Diversified Adjustment Service, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Good Evening - I was going through my credit report and noticed a collection from Diversified Adjustment Services, and when i called them they mentioned that it was a {$130.00} bill from XXXX phone. I honestly don't recall ever had a relationship with XXXX and consider it was a small amount I went ahead and paid it off. However, as I was looking through my credit, I see major discrepancies on the way this particular collections account is reporting on my credit report. Also, I have never received any written notification about this debt and I never had any time of relationship with his company. I honestly paid this account under duress and would like it to be truly investigated and removed from my credit file. One credit bureau shows {$0.00} balance and the other shows {$130.00}, and when I call they mentioned {$100.00} ... .So what is it?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX XXXX, I had a business service agreement wthe an online company called " XXXX ''. For this service, I agreed tp pay {$59.00} a year which I paid the full amount using my American Express credit card. Shortly after I signed up for the service, I tried to reach XXXX several times in relation to the services they agreed to provide me. Each time I called the customer service line, I could n't go through. My problem was not addressed by the company at all. So, I cancilled the service. I did n't ask for a refund, but I absorb the lose. A year later, XXXX XXXX, XXXX, XXXX charged my American Express account {$59.00}. I disputed the charge stating happened and the credit card company ( American Express ) investigated the dispute and resolved the dispute crediting my account for the full amount. 

XXXX charged my American Express account for {$59.00} again. I filed a dispute stating the XXXX XXXX, XXXX email communication between the American Express and myself. They said they will investigat the dispute. On, XXXX XXXX, XXXX, the American Express resolved the dispute, credited my account for {$59.00}, and closed the case. 

Then, I saw the {$59.00} charge appeared on my account again. When I contacted them, they said that XXXX provided evidence showing the charge is legitimate and they paid the amount. The American Express does not have an answer why the charge is justifyed where there is no new agreement between XXXX and myself. The service agreement was cancilled three years ago, and the American Express credited my account for the same dispute and same amount a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: Colony Brands, Inc.
State: PA
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'm having difficulty finding housing and an agent told me that having a Charge Off on my report is why. I assured him I havent any. Apparently, when I contacted Ginny 's Catalog in XX/XX/2017 and paid off my outstanding bill AFTER Ginny 's expressly assuring me that in exchange for settling the account, They'd remove it from my credit report. They lied, Its on all 3.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
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 had a Credit card with Bank america for over a year. I used the credit card for work/travel expenses. Since the end of 2019 I have not been travelling and have not been using my card ( with the exception of a couple of small charges. 

I have had near perfect credit my ENTIRE adult life. Credit is usually XXXX ( plus or minus 10 points ). I dont ever carry a balance on any of my credit cards, I always pay them off each month! 

In this case, because I was no longer traveling or using the card, I forgot about the card and the bills. I had a couple of small charges on there ( including my {$75.00} annual fee ). I failed to pay the bills purely because of an oversite. Total balance was something like {$300.00}. When I realized that I had failed to pay the credit card, I paid it in full. At this point it was delinquent, but I did pay in full. Unfortunately, without my knowledge, bank of america closed my account right after I paid in full and reported to the credit bureaus. 

Today, I just tried to refinance my house and realized that my credit score had gone from a XXXX in XXXX to a XXXX in XXXX ... .a 159 point drop!!! This seems egregious when I have paid the account in full.

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 2019-02-14
Company: Experian Information Solutions Inc.
State: PA
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 loan is paid off closed. There is no balance of {$3300.00} dollars owed

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 2019-02-14
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
On XX/XX/XXXX, I received form XXXX from Coinbase, Inc. and the form shows excessively inaccurate transactions proceeds of {$770000.00} for the year of XX/XX/XXXX. My own records for all sales proceeds in XX/XX/XXXX only add up to about {$110000.00}. I also used the reporting service from a company named XXXX XXXX, which is contracted by Coinbase itself, to get an official tally of all my XX/XX/XXXX transactions. Their reported gross short term proceeds for XX/XX/XXXX from my Coinbase Pro is {$110000.00}. I immediately contact Coinbase customer service department and they told me I need to submit my complaint via email. I did so and got a case # XXXX. About a week later, the case got closed with no solusion offered. I opened another case # XXXX, and I was informed that my case had been forwarded for review. A few days later, I got a notification that the case has been resolved, but did not specify how, and what I would receive from the company. Therefore, I had to open the third case # XXXX on XX/XX/XXXX. On XX/XX/XXXX I received a similar notification like the last time stating that the issue had been resolved and the case was now closed, and nothing further could be done. After the third attempt, I didn't know what to do because their customer service representative will not discuss about my tax form over the phone, and submitting request for review of my transactions via email didn't take me any where. I would really appreciate if you can help get the company to respond to my complaint, because I have been losing sleep and very stressful because I'm afraid this will create a big problem for me with IRS. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: I.C. System, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid all open medical claims, this collection company is practicing extremely inappropriate tactics. I am now seeing open balances, and inquiries on my credit. I had paid this, left numerous messages, and spoken to various reps after extremely long wait times and language barriers. You have now impacted my credit, and have failed to uphold yourselves as any sort of legitimate business in my opinion.

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 2019-02-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Good Evening ; I dont understand how you are continuously able to verify this account! I dont recall ever being associated with this company that is unknown to me. Also, Im a bit dumbfounded by how you were able to verify this account when the other bureaus were not and have removed it from my credit report. I'm not an expert on this, but I'm sure this is a violation either under FRCA or and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My identity has been compromised so I disputed the many unauthorized accounts on my credit report. However, the 3 major credit bureaus response was account been verified. Now in this complaint I'm requesting the Method Of Verification, who verified it, what date, what time, inwhom did they talk to, and where's the physical documentation as stated in the FCRA, inwhich as a consumer and a victim of fraud I'm entitled to. The following accounts I'm requesting this information for are as following ( 1 ) XXXX XXXX, {$860.00}, ( 2 ) XXXX XXXX XXXX, {$1200.00}, ( 3 )  XXXX XXXX XXXX XXXX, {$1500.00}, ( 4 ) XXXX XXXX XXXX, {$6200.00}, ( 5 ) XXXX XXXX, {$740.00}, ( 6 ) XXXX XXXX {$740.00}, ( 7 ) XXXX XXXX XXXX, {$390.00}, ( 8 ) XXXX XXXX XXXX, {$0.00}, ( 9 ) XXXX XXXX  XXXX, {$0.00} ... .. Again, I'm requesting the Method Of Verification, and/ or block and remove all the above 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 2020-01-31
Company: Ditech Financial LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I purchase a mobile home in XX/XX/XXXX still to this date owe over 40 thousand dollars on it spoke with Ditech on XX/XX/XXXX I was told I have 10 more years on the loan I have paid for this mobile home three times

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/16 I sent certified letter to this company requesting validation of this debt and the letter was returned to me - no mail receptacle unable to forward

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: EQUIFAX, INC.
State: PA
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 loan is paid off closed. There is no balance of {$3300.00} dollars owed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 loan is paid off closed. There is no balance of {$3300.00} dollars owed

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 2021-04-08
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: Information belongs to someone else

Complaint:
I filed an FTC report in regards to these account and sent all other documents to all three credit bureaus XXXX XXXX has be compliant in removing these items but XX/XX/XXXX and equifax refuse to saying the account have been verified.i have made several request for the methods of verification and proof of verification, and both bureaus have been non compliant. 
account 1 ; XXXX XXXX account2 ; XXXX XXXX XXXX

Company response to consumer: Closed with explanation