BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-21
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I was a co-signer on the loan. This car was for my niece. She had an accident and did not want the car and stopped making the payments. I had no idea any of this happened until the company started calling me. My sister contacted the company and told them to come get the car. They did not go get it. My stepfather took the car back to the dealer and they would not take it. The dealer is now out of business and the car has been in the same spot since. 
It has been almost 4 years and this is still on my credit report and is the ONLY thing blocking me from buying a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Dispute-Hard Inquiries : XXXX  XXXX Explanation of dispute-Decline letter from XXXX on XXXX XXXX prompted me to comb over file. Found Inaccurate, unauthorized/unconsented credit apps/hard inquiries, creditors error, or mixed credit file ( s ). Have disputed/corrected numerous negative inaccurate names/spellings on report ( s ), SSN # s, phone # s, accs not belonging to me & affecting me throughout yrs.

Called Experian for inaccurate inquiries/other inaccuracies- Experian took few disputes on phone, stated I had to call companies re : hard inquiries. 

XXXX XXXX couldnt be reached via phone- Sent email- Both responses were erroneous. 1stt response claimed an open acct found in my name- Clearly demonstrated inability to fairly verify accurate information, unable to report accurate info, & instructed to file a police report-I had no legal grounds to do as there is NO OPEN acc w/ XXXX XXXX XXXX only an unauthorized hard inquiry. 2nd response, found an application associated with your infor. Luckily, there was no acct created in your name. However, there was an app that was marked as fraudulent & has been blocked. Thank you again for bringing this to our attention. Said call Experian. If what XXXX XXXX alleges actually happened, by law I should have been notified- XXXX XXXX sent 0 notification of its claims. XXXX XXXX clearly demonstrates wantonness.responses that induced stress & negatively affected my credit file. 

Neither the furnisher ( s ) who reported the hard inquiry to my credit report say they cant help and Experian tells me to call the furnishers, they cant do anything. Experian makes this process entirely too difficult and time consuming when trying to correct inaccurate information on ones credit file.

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 2017-11-04
Company: TD BANK US HOLDING COMPANY
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My father paid off TD Auto Financing on XX/XX/XXXX. There was an auto draft on the bank account for a monthly sum of {$880.00}. My father was hospitalized a few days later and did not have a chance to cancel the withdrawal. TD Auto continued to draw the {$880.00} every month for the last 5 months. I became the POA and called the company. They refused to talk to me until they had my POA, in the meantime my parents account was over drawn. They sent a check in XXXX for 2 of the overpayments and continued to draw the payments on an already paid off vehicle. Again, they sent another check for 2 more payments and we still have not received the last payment. I called the company the last of XXXX and talked to a supervisor. He said that if there is an overpayment the company returns the money and cuts a check on the 24th day after the overpayment. I asked why did we receive 2 payments at one time if that was the case? He could not explain that. It is now XXXX XXXX and a check was suppose to be cut on XXXX XXXX. I called and the check is suppose to have been cut on XXXX XXXX ( we still do not have it ) which is much longer than 24 days per their policy yet again. After I looked at the printed out check for a payment ( on a truck that was paid off ) from my parents bank I noticed that TD Auto wrote the check themselves and cashed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I sent a money transfer on Tuesday XXXX XXXX XXXX from my bank account to Coinbase website for XXXX. The transfer should have lasted 1 or 2 days to be delivered. But one week later, I've n't received it yet. I sent an email to the customer service Friday XXXX XXXX but I didnt get an answer. We are on XXXX XXXX XXXX and still nothing. My case number to the custumer service is : Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/XXXX and XX/XX/XXXX I had Request and Send TwiceTo EXPERIAN and XXXX Credit report To Update My Personal Information, Because the Information and Address they have are incorrect. I have only one Address, one Name, one SS #, one Phone #, one Employer But Experian Refused To update My INFO, They have Address in my File that I never Live in and Never Knew About. I Have Sent All MY Documents To Them, all I need for them To Remove Those Addresses include po box and They refused To Because Post Office will never deliver To Inaccurate Address. 

I Had Sent Them Everything CERTIFIED MAIL

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 2022-02-02
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I came to file a FTC complaint of inquiries that I do not recognize and it redirected me here to file a complaint. I am submitting a complaint of inquires from unknown sources. I can not identify these inquires made nor did I authorize them so I believe I am a victim of identity theft. I would like these inquires removed from my credit report with investigation on who made them. 

XXXX XXXX - Equifax - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX - Equifax - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: CURO Intermediate Holdings
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i sent out a letter of a alleged debt from Ad Astra Recovery Service on XX/XX/2020 for the amount of XXXX that i do not owe. I haven't receive any of the documents that i asked for concerning this item and i attached a copy below of what i am requesting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have been disputing CONTINUOUSLY since XX/XX/XXXX, to have the dismissed bankruptcy removed from my credit report. I kept getting responses that the account was accurate however, it can't be since it no longer legally exists! On XX/XX/XXXX I still continued to dispute the Bankruptcy with the bureaus however this time, they never responded! I sent another follow-up on XX/XX/XXXX regarding the same item. To this day, XX/XX/XXXX, I have yet to get a response from the bureaus of what they are doing with my account!

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 2018-09-18
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Fay servicing held my mortgage for only 7 months then sold it another servicer and .still shows as an open acct on my credit report called them and they said they purged all info off their computers and have no info on me? 
XXXX is the exact representative assigned to my account her name is XXXX XXXX need thim to report account is transferred not with them anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: Convergent Resources, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I submit a Payment with XXXX for amount owed, payment was not reported to collection agency and its still showing negative 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 2022-03-09
Company: Experian Information Solutions Inc.
State: FL
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: Other problem getting your report or credit score

Complaint:
XXXX XXXX provides incorrect credit scores to various creditors. I make six figures and over the past year I tested and applied for 2 credit cards. All my bills are paid on time. The only debt on my credit report and XXXX in both applications recommended denial of credit. Stating I have delinquent accounts. This is retaliation and discriminatory.

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 2020-05-22
Company: The Best Service Co.,Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
The company failed to notify me in writing of this debt. I found out due to it being reported on my credit. I never heard from the company at all and once I found out about it, I paid immediately. This account should have not put on my credit as it was reported to XXXX XXXX. I never applied for a loan or a credit card. This was over draft fees and etc.

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 2017-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Transunion- I called on or about XX/XX/XXXX after obtaining my credit report. I noticed several unauthorized inquiries on my report. They are as followed : XXXX ( XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX  XXXXand XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I asked them to remove them because I did n't authorize these companies to check my credit but they refused.

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 2017-11-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio Recovery Associates has claimed I owe three different debts that their company owns. This account was disputed the first time with XXXX, XXXX, and XXXX on XXXX XXXX, XXXX. I received correspondence from Portfolio Recovery Associates in the form of a statement. I clearly asked for VALIDATION and it was not validated at all. I sent a second XXXX XXXX, XXXX round of disputes to all three credit bureaus again asking for validation ; I, again, received a old statement from Portfolio Recovery Associates. I disputed a third time on XXXX XXXX, XXXX and I received the same old statement that I received the first and second time. I recently was turned down for a mortgage because of it. I am due to welcome in a XXXX XXXX XXXX very soon and this has greatly depressed me. Please investigate this matter for me. I thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: EQUIFAX, INC.
State: MD
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:
On XX/XX/XXXX ( XXXX ),XX/XX/XXXX ( Equifax ) and XXXX ( XXXX ) I sent each credit bureau a certified 609 letter to verify the account that is allegedly owed by me to XXXX XXXX XXXX XXXX XXXX as they are reporting it on my credit report. They each deemed the account verified. On XX/XX/XXXXI sent a validation letter to XXXX XXXX XXXX XXXX XXXX with my name, date of birth, social security number and the account number that is on my credit report. On XX/XX/XXXX I sent each credit bureau another certified 609 letter to verify the account allegedly owed me. On XX/XX/XXXX I received a letter from target stating that the were in receipt of my request but can not locate an account referenced in my letter.I called Equifax and asked them how and who did they verify the account allegedly owed by me with. The agent stated the he could n't tell me that. I would like for you to help me get this removed from my credit report thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: ALLY FINANCIAL INC.
State: MN
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:
Ally Financial is reporting an account against me that they fail to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. The account has late payments being recored against me in Metro 2 in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification of missed payments. Ally Financial wont send any documents, bearing my signature, showing that I have had late payments that follow the rules of Metro 2 and compliance of reporting late payments.. XXXX  and XXXX  have already removed this account from my credit for Violations against the Fair Credit Reporting Act. Ally Financial also didnt furnish the credit bureaus with the required disclosure, within the period required by law. They are required by law to place a notice of dispute on my account within 30 days of my dispute, which you signed for XX/XX/XXXX. I have retained a copy of their signature and date of receipt, as well as time stamps of my credit reports showing that you violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act 807 ( 8 ) by not placing the disclosure within the required 30 day period. Im requesting Ally Financial delete this account off of my credit reports for good for violations against the Fair Set Collection Practices Act.

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 2022-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment in the amount of {$3100.00} to be credited to my Bank of America Alaska business card ending in XXXX. However, I accidentally made the payment to my personal Alaska card in XXXX. After I realized the error I called Bank of America and requested the payment be transferred to my business card ending in XXXX on XX/XX/2022. The payment has not been transferred, no updates. Payment is due on XX/XX/2022. I am concerned I will incur interest and late fees. I have called 6 times to inquire about the status of the transfer and no update.

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 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
FCRA violation : Incorrect balances being reported. High balance reported inaccurately by 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 2017-11-03
Company: Ditech Financial LLC
State: CT
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Ditech is fraudulently trying to imply that I owe mortgage payments on a home equity loan that my father took out years ago. They are claiming that they acquired the mortgage from XXXX XXXX XXXX which has already had to pay a {>= $1,000,000} settlement for fraudulent lending practices. Greentree is dissolved and now they are trying to fraudulently do business as Ditech. They do not own and never have owned the debt note and are in violation of the law that forbids such actions. In the words of the former Director of the FTC Bureau of Consumer Protection XXXX XXXX XXXX " it 's against the law for a loan servicer to lie about the debts people owe, or threaten and harass people about their debts ''. Ditech has been lying and unlawfully broke into my father 's property and placed locks on the house and removed his merchandise valued at hundreds of thousands of dollars. I filed an Order to Show Cause motion with the Court but it was never answered which leads me to believe that the Courts may be complicit. They also had the items removed by XXXX XXXX XXXX XXXX which is not even registered to be doing business in the state.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I read about the Cares Act on the website and heard from various places about it. I have loans since attending XXXX, XXXX  XXXX, XXXX, XXXX, etc ... Since being with XXXX XXXX, now Navient, there has been a great amount of bad practices, particularly XXXX with interest and fees when I tried contacting them when I was struggling. They always presented forbearance, but never explained to me about IBR. Every rep spoke briefly and differently. Confusing to say the least and started to email but their responses and communication was so sparse that I accrued interest and more than 23 late fees and more than 9 administrative forbearances. Now with covid, they have provided no XXXX interest or relief of payments, in general. On the front page, it says federal loans are covered by the cares act from XX/XX/XXXX to XX/XX/XXXX. So FFELP, which is a federal loan, they say it is not covered because it is not US Department of Education, a private loan. I thought the information I was given was that these loans are government loans. There has never been a remedied solution to the past history of bad practices and now this. I didn't apply for forbearance, but that's on my record as well as on my credit report where it decreases my credit score. I am unemployed looking for a job but even when I inquired about it or other ways of help, they have not provided it when I emailed them. They keep provided misleading terms and information, even the IBR program. Their website doesn't define the interest accrued and that this education loan does not qualify for the CARES Act and what resources are available - everyone should have XXXX interest and if not able to pay, to be given the help they need. They continue to charge interest and get payments as usual, even during COVID. I can't believe the lack of service and attention and can't stand the business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
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: Account information incorrect

Complaint:
FCRA violation : Incorrect balances being reported. High balance reported inaccurately by 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 2017-11-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX sent me a letter saying on XXXX XXXX, 2017, Equifax suffered a data breach. XXXX XXXX XXXX says no data breach were on their end, but my personal information might have been exposed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have sent numerous of letter for the company to validate the bankruptcy on my credit report and they fail to do so. I have ask them to proved written signatures showing the validation of the bankruptcy and they fail to do that as well.

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