BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-25
Company: Experian Information Solutions 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:
XXXX and Experian keep returning with the same old " that XXXX has certified I owe the debt and they have verified that it is mine '', etc ... 
Experian has removed one of the charges that are being treated as individual accounts. I'm still waiting on the other three. 
XXXX  just comes back right away with their generic responses. As of this date they will not re-investigate my complaints. I only just got their XX/XX/XXXX confirmation # XXXX. 
XXXX on the other hand, has three showing as closed.

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 2018-05-06
Company: GREAT LAKES
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:
Hello, My wife and I just moved to XXXX, WA for a job. We had a great credit score, in the high 700 's. When we set up a mortgage meeting, we were all shocked when she asked why our credit score dropped 100 points. 
It turns out that we had a {$900.00} student loan that was due the week before. A few weeks before, my wife had put everything on autopay so I'm not sure why it wasn't paid. I called right away and paid it in full. We got no notification that it was due soon. Our mortgage loan officer said the points should be returned to the account as it was a mistake. 
They are still not returned. We are living with my inlaws as our credit score is keeping us from buying a house.

Everyone I have spoken with says the points should be returned since it was a recent mistake. 
I hope you can help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I have just noticed that Synchrony credit card company who manages my XXXX Store card has been charging me a " Card Security '' charge without my consent. I will be calling them and requesting the 4 years of service I've had with the card and determine how much I've actually been charged and will be requesting a full refund. If they do not pay out the full refund I will  lawyer up and get a class action lawsuit started and would like your assistance in getting notifications out.

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 2018-06-25
Company: Great Lakes Capital Management, LLC
State: VA
Product: Debt collection
Sub-product: Payday loan 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:
In XXXX of XXXX XXXX XXXX XXXX XXXX XXXX contacted me, with what XXXX XXXX said was a care regarding a payday loan I had taken through XXXX in XXXX. While I did not remember having taken out this loan I was pressured into settling on an amount to pay back, or else I would be served with a bench warrant for my arrest. I agreed to set up a payment arrangement, at which time I gave XXXX XXXX my debit card information and she took {$150.00}. I was unable to make the arranged payments after that, which I did email XXXX XXXX about. Fast forward to XX/XX/XXXX, when I receive a call from a private number, with a man stating he was with this company and had a bench warrant he would serve to me the next day, if I did not make payments. I made a payment with XXXX XXXX again for {$99.00}. After a little time, I became suspicious and contacted both XXXX  and their collections agency and was told # 1 my debt had been written off and # 2 they had no knowledge of XXXX XXXX XXXX or XXXX XXXXXXXX XXXX. I contacted XXXX XXXX about this, who informed me she would not contact me again, however she wished me luck with the legal matters that would come with me basically being arrested. I have tried multiple times to speak with someone to get my money back, and I was told by a gentleman ( called me from a private number and mumbled his name ) that the sum of the {$150.00} and {$99.00} would be replaced in my account around XX/XX/XXXX. I then spoke with a XXXX XXXX who told me the money had been replaced XX/XX/XXXX. When I tried to question this my emails and calls suddenly started being ignored. I've not heard a word since. However, during the time they were trying to collect money they were calling 6 to 8 times a day/night. I was even in California at one point and my phone would start ringing at XXXX in the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: Experian Information Solutions 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:
XX/XX/XXXX I placed a security freeze and file suppression on my consumer file with XXXX. On XX/XX/XXXX I received credit reports from XXXX XXXX, XXXX, and Experian that contained inaccurate information about a bankruptcy. XX/XX/XXXX I sent all bureaus dispute information for the inaccurate information on my reports as well as a letter to the court that the bankruptcy was listed under. XX/XX/XXXX I received response from BK court stating they do not verify bankruptcies and have no information on file for me with the given information from my credit reports. I also received credit reports from all 3 bureaus stating in writing that the information reported about the BK was verified by XXXX. XX/XX/XXXX I called XXXX  who verified I had placed said freeze and suppression of consumer file XX/XX/XXXX and that they DID NOT provide verification information to any of the credit bureaus. I now believe that there was no verification at all and theses bureaus are purposely reporting inaccurate information on consumer files.

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 2018-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Hello : I recently graduated a college with a XXXX in XXXX and was given a {$1500.00} check from a chemical industry company as a closing scholarship for graduate school. I had it deposited via the Bank  of America movile App. Of course, there was a hold on my account, which I was understanding until XXXX today. However, when I checked my balance after XXXX, I still hadn't received my payment. Frantically, I called the bank and was informed that some holding comittee decided to wait until NEXT TUESDAY for the funds to be available. I wasn't notified nor was I able to see it without calling the bank. This money that I desperately need to keep afloat. My job hasnt paid me yet so not having my own money is inconvenient and extremely unjust.

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 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Old information reappears or never goes away

Complaint:
There is an account on my credit report that is aged past 7 years and is still reporting. After 7 years any collections and chargeoffs are supposed to be removed from this report. I have sent nunerous disputes requesting the validation of this account and it says the last time it has been reviewed was in 2018, the credut bureaus lied about their investigation. I want this account removed from XXXX, XXXX and Transunion it is aged past 7 years and past 6 years for the statute of debt in the state of Tennessee. It is not supposed to be reporting.

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 2020-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Someone tried to open accounts in my name fraudulently.

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 2020-11-15
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are several accounts on my credit report in error. I ask that they be investigated into and then the credit bureau takes the next appropriate 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 explanation
Consumer complaint received 2019-09-17
Company: Siggi LLC
State: AP
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:
Account was Paid miss communication and spoke with them it states wrong information I paid off the remaining balance mypay stop the allotment and I didn't know.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: Fay Servicing, LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had automatic payment set up for this account for at least a year. A few months ago I noticed a larger than normal withdrawal payment. They stated my insurance had bee canceled and they were charging an additional $ XXXX for forced insurance. I provided them proff of insurance and that it had not lapsed. I was told I would have to pay the additional funds for three months regardless. Their reasoning was that they could not make an escrow analysis until then. I continued making the payments for the proper amount. The money was placed into a suspense account from which they still withdrew the forced insurance firs, leaving the payment short, and charging a late fee. Calls and emails to my " account manager '' have never been answered. The phone number given does not work. Calls to customer service are placed on hold then dropped.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: DISCOVER BANK
State: WV
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:
Hello - I am contacting regarding Dispute XXXX. I sent you an e-mail from the merchant that clearly states that a refund will be offered, that the supplier they were using had issues and that the empty package was their fault and they apologized. I offered them photos at the time, and they said there was no need. You then responded by saying that the case could not be moved forward without more documentation, which makes no sense as I provided ample evidence that I am due a refund. 

I then contacted you on XX/XX/XXXX. I spoke to an agent named XXXX in XXXX. I repeatedly asked for a supervisor when she refused to assist me, and eventually she hung up on me instead of transferring me to a supervisor. 

I am attaching a full recording of the conversation with the first agent that transferred me to XXXX and with XXXX. I am also attaching the e-mails showing I am due a full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
Coinbase withdrew {$500.00} from my bank account twice without my authorization starting XX/XX/21. They then froze me out of my own account, which remains frozen to this day XX/XX/21. With funds over {$3500.00} at the time, I could have cashed out at the peak for XXXX. I contacted the company over 10 times and they could not care less. I have seen thousands of other people sharing the exact same experience online as well. My guess was to freeze accounts in order to inflate their holding prior to their IPO. 

Do not use Coinbase

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-06
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I leased a XXXX XXXX XXXX XXXX from Toyota Motor Credit Corp. in XX/XX/XXXX, the SUV was returned on XX/XX/XXXX which was its due date and the mileage on the SUV was XXXX ( I was allowed to use XXXX per year ) well within the target needed for a 3 year lease, I have a copy of the returned document.

The next thing I know is a letter from a XXXX XXXX XXXX debt collector, they are telling that the SUV was stolen and was eventually recovered and that I owe {$2200.00} dollars. I called and spoke with a XXXX XXXX in XX/XX/XXXX, I also called Toyota who refused to speak with me as they had turned this in to a debt collector. I have not been able to resolve this issue after calling and engaging now every month and feel my hands are tied, I need your help as they are also hurting my credit history.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-23
Company: Forster & Garbus LLP
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
This is a complaint relating to Forster & Garbus ( FG ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ). Our Stipulation Agreement, attached with my complaint, will show it was executed in XX/XX/2018. Since my first payment, per our agreement, I haven't received a breakdown of what the balance is and what I've already paid. Not one! I don't know how my payments are being handled/recorded and what my outstanding balance looks like on either of their books. FG acts as attorneys to XXXX but FG is predominantly a collections agency ( with AWFULLY DREADFUL public reviews and practices, I might add ) that never answers or returns my repeated calls. I have no faith in them and am not sure what my next step is. I'd like to finally settle this once and for all but with whom : FG or XXXX? Who is ultimately collecting on my payments?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These are not my accounts. Please remove them immediately as I am buying a home.

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 2020-08-21
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 AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THSES ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE 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 2018-05-06
Company: Experian Information Solutions Inc.
State: IA
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'm XX/XX/XXXX I pulled a copy of my report and found several accounts that I had no recollection of. I have sent letters out to the credit agency 's since XX/XX/XXXX until XX/XX/XXXX. Each time they state it's verified with no info as to the verification used and who verified it. I have also noticed that the dates are also incorrect and they couldn't even get that right which leads me to believe it has never been looked at. The accounts uploaded should both fall off in XX/XX/XXXX not XX/XX/XXXXor XX/XX/XXXX. This also shows me no one truly is looking at it. I've made numerous calls and they either claim there system is down, they couldn't see my I'd clear enough or they don't know what I'm disputing. I also have copies of each letter sent I could also provide if needed as well as tracking numbers show I g they have it all.

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 2020-07-02
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:
I am filing this report because there are a few accounts on my credit report that do not belong to me. The only reason I found out is because I applied for a loan today XX/XX/20 and I was not approved so I started to look through my credit report trying to figure out why I was not approved and I found five accounts that aren't mine. The accounts are from these companies. XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I have never opened an account with any of these companies nor am I affiliated with them in any way. I did not benefit anything from the accounts that were opened in my name without my permission and I never made any payments towards those accounts. I am still trying to figure out who is responsible for these unauthorized accounts but in the meantime I have already filed a police report and a complaint with the Consumer Financial Protection Bureau regarding these 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 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am filing this report because there are a few accounts on my credit report that do not belong to me. The only reason I found out is because I applied for a loan today XX/XX/20 and I was not approved so I started to look through my credit report trying to figure out why I was not approved and I found five accounts that aren't mine. The accounts are from these companies. XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I have never opened an account with any of these companies nor am I affiliated with them in any way. I did not benefit anything from the accounts that were opened in my name without my permission and I never made any payments towards those accounts. I am still trying to figure out who is responsible for these unauthorized accounts but in the meantime I have already filed a police report and a complaint with the Consumer Financial Protection Bureau regarding these 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 2018-12-13
Company: Dynamic Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had previously blocked and reported as SPAM this number on my cell phone, but I got a voice mail anyway. The name of the company ( apparently ) is Dynamic Recovery Solutions. There was a toll free number to call back in the voice mail, but I didn't write it down, because I don't owe anyone any money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-01
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:
On multiple occasions I have sent to Experian ( via mail ) requests for information for a specific account that is listed on my consumer report that does not belong to me and needs to be removed immediately as it is being reported inaccurately in which to date, my inquiries and requests have not been responded too and have been ignored! Due to complete negligence on behalf of Experian, I am authorizing CFPB to dispute this inaccurate account and I demand that it be removed immediately! To continue to allow this account to be reported in illegal and clearly in violation of my consumer rights in which I will take necessary legal action if not removed. The name that appears on the collection is not even accurate. 

Experian - Account Listed XXXX XXXX ( Not my name ) XXXX XXXX XXXX - XXXX XXXX {$220.00} I am requesting that you provide me proof of signed contract for alleged services including a signature and proof of identification that was submitted for the account listed with your bureau. 

Your prompt attention to this time sensitive matter is not only highly recommended but mandatory. 

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