BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-30
Company: LoanCare, LLC
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My mortgage loan was processed out of forbearance on XX/XX/XXXX into a covid-19 defferal by this serviceer ( loancare ). I made my first pmt post forbearance on time on XXXX XXXX, XXXX but that payment was wrongly applied based on the XXXX XXXX XXXX stmt i received. 

On the XXXX XXXX stmt, the pmt i made post forbearance was applied to payment due in on XX/XX/XXXX based on the " description field '' on the line item in the stmt. Why would they do that? The unpaid balance during forbearance should be placed in a non-interest bearing account and added to the back of the loan. Pmts made post forbearance shouldn't be used to offset pmts missed. 

I've tried resolving this via multiple calls to this company and i've been unable to talk to anyone who understands what the process should be to resolve this. Its been one clueless customer rep after the other. 

My online profile shows a " next payment due date of XXXX XXXX, XXXX '', even though i made a payment on XX/XX/XXXX that is incorrectly reflected on the statement. Also, my payment due on " XX/XX/XXXX '' from the incorrect stmt generated on XXXX XXXX, XXXX has an amount due of {$7100.00} which is twice my normal payment. 

I went through the same covid-19 deferral process with XXXX and it only took XXXX to start/complete the process. This loancare process has been ongoing for me since XX/XX/XXXX when i contacted the company to exit forbearance. 

I was told to wait on the system to update in the companies response to me on XXXX XXXX. Exactly what system needs to be updated when the payment i made was accepted by the system but incorrectly applied. Its not a systems issue, clearly this servicers team needs significant help with training. 

My regular monthly pmt is what i will pay in XX/XX/XXXX and if loancare falsely reports defferred payments to credit agencies thereby distorting my business credit I will most certainly pursue litigation against these incompetent organisation.

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 2018-01-25
Company: Innovis
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I have two hard inquiries hitting my credit report that I di not authorize. 

1st XXXX XXXX, PA XXXX ( XXXX ) XXXX 2nd XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I closed my Coinbase account a few weeks ago and asked to have a check cut and mailed to my residential address, which they have on file. That did not happen so I opened a second support case, asking again, please cut a check and mail to my address. Not only did I not get a response to either customer support case, the second case was apparently erased from their records. The amount of money involved is relatively small. However, I had also asked them to delete all information about me in their DB as they appear to be a very amateurish operation. - scary for a " financial institution ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: Mobiloans, LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Did not realize I had to make payments every 2 weeks. I get paid every month just once and was asked how often I got paid when I opened the loan.

Company response to consumer: Untimely response
Consumer complaint received 2021-10-27
Company: E-Backgroundchecks.com, Inc.
State: PA
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:
We paid {$130.00} ( our credit card, XXXX XXXX, was charged on XXXX XXXX, XXXX ) for a background check from backgroundchecks.com ; the website promises the report in " 1-3 days '' but we still haven't received it and are given nonsensical reasons for their failure to supply what we've paid for. 

This is a company you've received massive numbers of complaints about in the past, usually from consumers who bought background checks they never received. See below : " Consumer Litigation and Regulatory Actions In XXXX, regulatory action was taken against backgroundchecks.comthen called e-Background-checks.comby the Consumer Financial Protection Bureau ( CFPB ) for not taking reasonable action to make sure the information in their reports was correct and for including prohibited information. The company and its affiliate XXXX XXXX XXXX were made to pay {$10.00} million in damages to affected consumers. It appears that the company subsequently changed their name to their current one. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
American Express has not provided me the card which they directly solicited to me. They reviewed my credit but never responded. 

Why? 

Please see previous complaint XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
There are inaccurate items on my credit report. Inaccurate dates and amounts. I asked TransUnion to please provide me with the documentation they used to investigate my complaint. They refuse to send me the information or show me their method of verification.

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 2017-10-05
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I sold an XXXX for XXXX the buyer paid and I shipped it. She has the phone and PayPal refuses to release my funds. I was never made aware they were holding m yu money I would have never sent the phone we or used PayPal. They charged me XXXX Dollars IU n fees and IU do n't know why I 've tried to get my money and they keep saying they ca n't yet

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-04
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:
There are several accounts reporting on my credit file that does not belong to me. The following account is reporting on my credit reports as a result of identity theft : Addresses : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Fraud Accounts : XXXX XXXX - Opened XX/XX/XXXX ( XXXX ) XXXX XXXX - Opened XX/XX/XXXX ( Experian, XXXX, and XXXX ) XXXX XXXX - Opened XX/XX/XXXX ( XXXX and XXXX ) XXXX XXXX - Opened XX/XX/XXXX ( XXXX ) XXXX XXXX - Opened XX/XX/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 2019-09-12
Company: Square Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I used the cash app as my sole bank. K thought going all digital would be much easier, boy was I wrong. I get my paycheck direct deposited into an account. After I got a new number I was no longer able to get into my old account. I emailed the company a total of 6 times in the past 6 days. They asked from some information regarding both accounts and i gave them what they asked. They kept telling me " Unfortunately, some of the information provided does not match what we have in our system. For security reasons, we are unable to merge these two accounts at this time. '' They won't give me any insight to what the  discrepancy is. My last check was {$370.00} and I was going to use it for rent. I got kicked out of the place I was in and was forced to move in with a friend. Cash app doesn't have any humans to talk to, and they their automated messages aren't very helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After noticing the debt on my credit report, I sent a Debt validation letter to IC Systems ( XXXX XXXX XXXX )., A request was made pursuant to 15 USC 1692g Sec. 809 ( 6 ) of the FDCPA. As stated in the law, IC Systems did not cease collection activities, in fact, they recently continued reporting to the credit bureau. To date, I have not received a letter or phone call from the IC Systems or any attempts by the debt collector to validate the debt they believe I owe. It has been more than a month since they RE-placed the debt on my credit report and 1 month since I requested validation. 
Last year when the debt validation was requested, IC Systems ( XXXX  XXXX XXXX ) removed the debt from my report, but again recently added it.

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 2018-01-25
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted all 3 credit bureaus regarding multiple credit inquiries on my credit reports that I did not authorize, but the agencies will not remove any of them!! This is hurting my credit tremendously for any credit that I may actually need!! They even put fraud alert on my credit reports after my initial complaint of unauthorized inquiries, but I am still getting multiple new credit inquiries weekly!! The few that I have applied for, the credit card companies have actually made me call in and answer questions that are from my bureau reports that only I should know the answer to. I would like all inquiries removed ASAP, as I am tired of calling and making disputes online with no success.

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 2021-11-30
Company: EQUIFAX, INC.
State: TN
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:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: WELLS FARGO & COMPANY
State: PA
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:
I am writing this dispute because I believe it is against the law for a hard inquiry to stay on my credit without permission of me I have no account with the lenders this was ran through a third-party without my permission for these particular company thank you

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 2018-01-25
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted all 3 credit bureaus regarding multiple credit inquiries on my credit reports that I did not authorize, but the agencies will not remove any of them!! This is hurting my credit tremendously for any credit that I may actually need!! They even put fraud alert on my credit reports after my initial complaint of unauthorized inquiries, but I am still getting multiple new credit inquiries weekly!! The few that I have applied for, the credit card companies have actually made me call in and answer questions that are from my bureau reports that only I should know the answer to. I would like all inquiries removed ASAP, as I am tired of calling and making disputes online with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: Coinbase, Inc.
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I made a purchase in coinbase this Friday ( XXXX ref code : XXXX ) and coinbase double charged my debit card. This caused my account to go in the negative and I have a check thats out pending that will now bounce. I cant get ahold of anyone at the company and this is ridiculous!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I obtained a copy of my credit report and noticed that the Consumer Reporting Agencies are reporting inaccurate information to my personal information section. I sent in a letter to get it updated i will provide the letter and the document. I want only one of everything in each section

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 2018-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
The monthly reporting of my auto loan with XXXX  is completely incorrect. Each three credit bureaus has completely different reporting and late payments reported.

My first payment on XX/XX/XXXX is showing reversed. This shouldn't have been the case. The payment was debited from my account. The next payment shown is XX/XX/XXXXfor {$400.00}, which apparently covered my XX/XX/XXXX payment.

The next payment made was in the amount of {$390.00}, only {$270.00} was reported XX/XX/XXXX. This payment should've covered the months of XX/XX/XXXX and only covered XX/XX/XXXX because of the alleged returned payment.

The next payment of {$800.00} made onXX/XX/XXXX should've covered XX/XX/XXXX and XX/XX/XXXX. The credit report shows XX/XX/XXXXbeing 30+ days late on XXXX  and XX/XX/XXXXbeing 30+ days late on TransUnion and XXXX   There were 2 months of extensions granted for XX/XX/XXXX and XX/XX/XXXX. TransUnion has XX/XX/XXXX reporting 30+ days late The XX/XX/XXXX payment was made on XX/XX/XXXX. This payment should not be reporting 30+ days late since it was made within 30 days of the due date. This caused a rolling 30 day late on my report throughXX/XX/XXXX.

There was an extension granted in XX/XX/XXXXwhich should've covered my XX/XX/XXXX and XX/XX/XXXX Payments. XXXX  shows 30 days late XX/XX/XXXX andXX/XX/XXXXand 30 days late forXX/XX/XXXX and XX/XX/XXXX. Four months of different reporting to each bureau.

There was another extension provided for the months of XX/XX/XXXX and XX/XX/XXXX, however all three bureaus are reflecting 30 days late.

The amount of 30+ days late reported are not nearly as much/frequent as XXXX   has reported. There statement provided is not user friendly AND they had repo charges on there that should've never been assessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: Diversified Consultants, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Debt was disputed online, Diversified Consultant sent me an inproper validation of debt with no signature or original contract.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-04
Company: EQUIFAX, 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:
There are several accounts reporting on my credit file that does not belong to me. The following account is reporting on my credit reports as a result of identity theft : Addresses : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX Fraud Accounts : XXXX XXXX - Opened XX/XX/XXXX ( XXXX  ) XXXX XXXX - Opened XX/XX/XXXX ( XXXX, Equifax, and XXXX ) XXXX XXXX - Opened XX/XX/XXXX ( XXXX  and Equifax ) XXXX XXXX - Opened XX/XX/XXXX ( XXXX ) XXXX XXXX - Opened XX/XX/XXXX ( XXXX  )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-28
Company: Experian Information Solutions Inc.
State: NY
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:
Incorrect information reporting 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 2022-08-13
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
REFERENCE APPLE CREDIT CARD GOLDMAN SACHS SS # XXXX On XX/XX/XXXX I disputed a charge of {$52.00} from XXXX XXXX We never received the goods so we disputed like any other consumer would. It has been over 45 days and still no feedback. Apple credit card has suspended 2x cards for no reason and can not tell me why, they can give me a credit card increase limit with my perfect credit score of XXXX. Apple makes no sense. I need my {$52.00} back to my card that I do not owe. As well stop suspended my credit cards for no legitimate reasons. 

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX TX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Hello, I previously had a credit card account with XXXX XXXX XXXXXXXX. XXXX XXXX closed my account, without providing a reason, about 2 years ago. I had paid the credit balance in full each month. According to my last statement, I had XXXX reward points in my account. XXXX XXXX advertises to this day that your points do not expire. However, when I recently tried to redeem those points, I was told that I only had 60 days from the date that they closed my account to transfer those points. No one from XXXX XXXX informed me of this when they closed my card. In fact, XXXX XXXX did not so much as call me to notify me that the card would be closed and what my options would be. As I understand it, they closed a lot of their U.S.-based cards at the same time, again without notice. 

The XXXX points is worth more than {$1000.00} when transferred to XXXX XXXX. It is grossly unfair, and I believe illegal, for XXXX XXXX  to make a profit from the transactions on my account, provide reward points in exchange, and when the point total becomes too large, cancel my card and recoup the unused points. All without any notice to me. I have contacted XXXX XXXX and spoken with both the rewards department as well as the customer service department, and they refuse to adjust my reward point balance. Please help in any way you can. 

Thank you.

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