BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-04
Company: FC HoldCo LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
On today XX/XX/2021 I received alerts on hard pulls on my credit report. I called the companies that were shown and was advised that they received information from a company called XXXX XXXX and spoke with a guy named XXXX and told him I did not authorize any hard credit pulls at all on my credit. The website completely stated input last XXXX digits of social security number to look at rates. I have there was no permission given for this company to send my credit information out to run my credit at all. I have stated only the last 4 of my social security number was input and I would like to know how they received the rest of my information. I applied for credit with them years ago and I feel this company has fraudulently kept my information on file and used it improperly which is a violation of my consumer rights. I did not apply for credit with this company I was only looking at rates per the website. I have asked for them to remove this fraudulent inquiry and they have said they will only do what they can do. Spoke with XXXX XXXX says she is a supervisor and still did not agree to remove this fraudulent inquiry as well. I have spoken with two people in this company and advised that I did not request credit. When asked how did this company obtain my complete social security number both reps replied they do not know. This company is committing fraudulent activities by inputting hard inquiry pulls on my credit which in return caused my credit score to drop immediately. Now this same company while on the phone is trying to offer credit repair. I keep stating the same thing to remove these fraudulent inquiries that they have placed on my credit and they advised that they can not do 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 2020-06-03
Company: AFNI INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/XXXX I canceled service with XXXX XXXX XXXX XXXX, and was required to return XXXX boxes via XXXX. The boxes were returned, several months later I was advised by an XXXX XXXX XXXX Customer Service Rep that I had a past due balance due to unreturned boxes. I disputed this information, provided the location of the XXXX store that the boxes were returned to ( as per XXXX XXXX XXXX 's explicit instructions ), and the date of return. Upon following up with the company a few days later, I was advised that the charge for unreturned boxes would be removed from my account. 

Instead of being removed, this balance was sold to Afni, Inc. I noticed this balance on my credit report initially in XXXX. I disputed the amount as it was incorrect, and the report was removed. Afni, Inc. reinstated the charge on my credit report in XXXX fraudulently as a " new collection '' ( so that the credit bureau was not required to advise me of the reinstatement ), for the exact same amount due as the previous account ( {$970.00} ). I again disputed the charge as it was incorrect, and the report was removed from my credit report. 

In XX/XX/XXXX, Afni, Inc. fraudulently reported this same collection account to the credit bureaus for the third time, although it has been disputed and removed twice from my credit report thus far as it is incorrect and the balance is not owed. Again, the company fraudulently reported this as a " new collection '', citing that the account was " Opened XX/XX/XXXX ''. 

The practices of this company are horrific. First, not only was the balance reported incorrectly as my boxes were returned and I did not owe a balance, but even after being disputed and removed, the company continued to attempt to collect on an account that they knew was incorrect, aggressively reporting it to the credit bureaus as a " new collection account '' on multiple occasions and masking their tactics by disclosing a fraudulent " opened '' date, in an effort to collect a falsified debt. 

I would like this mark permanently removed from my credit report immediately, and assurance that it will not reappear as a " new collection account '' with a new reported " opened date '' of the company 's choosing, at a later date. 

Company in question : Afni, Inc XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Collection : XXXX XXXX XXXX XXXX Amount : {$970.00} Fraudulent " Account Opened '' date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
In accordance with the fair Credit reporting act XXXX  account # XXXX XXXX and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 602 A section 2 : it also states a cosumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
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: Account status incorrect

Complaint:
At the beginning of XX/XX/2021, my XXXX XXXX XXXX XXXX XXXX ( XXXX ) credit card was reported to Experian inaccurately indicating 30 days late with {$140.00} outstanding balance. 

I contacted XXXX and they denied that action, stating I did not have a late amount due, have not been late so there was " nothing for them to report ''. Days later, after many phone calls, emails, and going into the credit union, they finally realized the mistake they made in reporting me to the credit bureau. 

Without an apology they said they would fix it only after I created a dispute through Experian, which I did. After asking three different credit union associates for documentation of my good payment standing, I received a letter showing payment history ( attached ) and was advised they could no longer help me. 

On XX/XX/XXXX, XXXX responded to the Experian dispute. As per Experian, XXXX stated the late payment reported for XX/XX/2021 was accurate and it remains.

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 2018-03-30
Company: SYNCHRONY FINANCIAL
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/18, an account/credit card was fraudulently opened in my name at XXXX XXXX. I filed a dispute to have the account removed from my credit bureau. A few days later, after apparently little to no actual investigation into the matter, I was notified that Syncrony had reported back to the bureau that the account was valid. I have now read accounts on the internet from many other people saying that their disputes were treated with the same careless attitude by XXXX XXXX. I refuse to stand for having an account that I did not open showing on my bureau. If they needed more time to " investigate '', that's fine, but to come back so quickly claiming they validated the account that I know is fraudulent almost makes them complicit in the fraud.

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 2020-01-29
Company: NATIONWIDE MORTGAGE BANKERS, INC.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Hi, I have recently been trying to close on a house with a company by the name of Nationwide  Mortgage Bankers , Inc. since XXXX. I recently was sent a denial letter last week. I have asked for my money back for the FHA appraisal I paid for. To my knowledge per FHA guidelines, I am supposed to received my money back. They have not been cooperative about this situation. I feel like I was just dragged around and cheated out of a deal. They asked my employer for employment verification at least 3 different times. They have also changed my loan type from FHA to Conventional twice. I've had to pay for the conversion and also I have received 4 different closing disclosures. My closing cost increased every  time a closing disclosure came out. They could never give me a valid answer in why this happened and where they got their numbers from. They have aggravated me and the seller of the house. They would never give straight answers when asking about a definite closing date. It was always one excuse after another. I feel like they knew the entire time they would not be able to qualify me for the house, but just had me spend all this money for no reason. I feel extremely shafted and disappointed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had 2 collection on my credit report that I paid off simultaneously. One of the collections was removed but the other remained. I spoke to a representative of the debt collection company and they said it should come off after I disputed it. After the dispute they never removed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: Credential Acceptance Corporation
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My vehicle, purchased through Credential Acceptance Corporation, located in XXXX XXXX California, has been inoperable since XX/XX/XXXX and I attempted to work out a deal with the finance company,  Credential Acceptance Corporation, to pay it off at a lower rate due to the excessive amount in repairs preformed on the vehicle since day one. They denied my request to deduct {$1000.00} from my {$2000.00} balance back in XX/XX/XXXX. I called today XX/XX/XXXX to again attempt to pay off my loan, this time in the amount of XXXX from the {$1800.00} that is still owed. Office Manger XXXX at Credential Acceptance Corporation accepted that offer and provided me with their account number. When I asked the office Manager XXXX if she can email me that approval as a confirmation she stated No, they do not do that. I need to put the money in the account and they will close my account. I explained to her that that is a large amount of money and I have every intention of making my payment, I just do not feel comfortable depositing that amount without an email confirmation. She went on to say, very rudely we do not email anything and if you do not trust us, then we do not trust you and you can pay {$2000.00} to clear my account and she hung up on me. This behavior is extremely unprofessional and I have had previously had my vehicle wrongly repossessed in XX/XX/XXXX, after speaking with XXXX and she became upset with me regarding payment. I would want not more then to rid myself of this finance company, but their actions are very concerning. I understand my faults but theyve sold me a vehicle that has had an abundance of repairs in my 2 and a half years of ownership.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-30
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am a co-signer on a loan # XXXX for my daughter with Navient. Her name is XXXX XXXX. It is a college loan. For some reason, she was 60 days past due. 
I was not aware of this until Navient reported it to XXXX. My score ( have excellent credit ) dropped from XXXX to XXXX. I feel that this action is unwarranted and unfair to me. 
I am being penalized because she as an adult failed to make the payments.She is a XXXX and this is her loan. I have contacted Navient ... they will not correct my credit score.This has been extremely upsetting to me and my husband died in XX/XX/2017. 
I am going to need this higher score to purchase a car. 
What can be done about this ... .I really need your help to clarify this situation. 
Thank You, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, OH XXXX email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am contacting you about the compromising of my social security. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint which is attached. I submitted a complaint over 30 days ago and have yet to receive a response which is a clear violation of the FCRA. I am filing a complaint with the CFPB because I feel I am not being taken seriously. Please block and remove all information from my credit report, and send me an updated copy of 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 2018-03-09
Company: Paypal Holdings, Inc
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Paypal has contacted my family in regards to a {$700.00} debt that I owe to them. They disclosed to my father the details of my debt which has caused much distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-30
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: Information belongs to someone else

Complaint:
I have accounts reporting on my credit file that do not belong to me. This includes the XXXX XXXX  account. I have no clue to where this account originated. I have submitted complaints the credit agencies asking them to remove this account because this account does not belong to me. Please assist me in getting this issue rectified.

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 2018-07-06
Company: JPMORGAN CHASE & CO.
State: NJ
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:
XX/XX/2018 Chase bank uncrecognized hard inquary was reported on my XXXX  report, I did not made this hard inquary, please help me to remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-01
Company: FAIR COLLECTIONS & OUTSOURCING, 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: Account information incorrect

Complaint:
Around on or a bout   XX/XX/XXXX , I received a phone call from a collection representative by   XXXX   XXXX  , he advised me he was calling from FCO - Fair Collections & Outsourcing Inc. about a debt with  XXXX  (  XXXX  )   XXXX   XXXX  . I advised him that I never lived at the residence he was speaking about and stated that this was fraud. After the call, I checked my credit report only to see that a judgment had been entered against me on XX/XX/XXXX  in the amount of {$2300.00}, in  XXXX  District Court. I called back immediately, and spoke with another representative, in which, I provided him with this information as well as the reference number   XXXX   XXXX  . A few days ago, I received a credit alert upon checking, it shows that this company has put this on my credit report with the dollar amount of {$4000.00} and the account was supposedly, opened on  XX/XX/XXXX .
I called again on XX/XX/XXXX , and spoke with   XXXX   XXXX    again, once again, I provided him with the same information and asked him why they put this on my credit report and the amount and opening date of this account is wrong. I asked him how can you put an account on a person credit report with wrong information. He said that I need to fill out some paperwork and I did n't so therefore, they had the right to do so. The paperwork is about fraud because, I told him that this account was n't mines. I am still trying to get this matter straightened out. However, I want them to remove this account from my credit report since, it is already showing the account has a judgment. I want to know how, they can change the amount from the judgment entered by the same company. Please investigate this company!

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 2020-08-26
Company: Coinbase, Inc.
State: AZ
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 opened an account on XX/XX/XXXX buying several types of coins. I moved money from wallet to the Coinbase Vault service on the XXXX. On XX/XX/XXXX I withdrew 2 small accounts that consisted of earned money from learning about several coins. That money had not been moved to the vault. The problem began when I tried to move money from the vault to my wallet to withdraw it. The process calls for 2 step verifcation within 24 hrs. I verified both places but my account would only register that I approved one. I tried this several times over a number of days from XX/XX/XXXX on. I wrote to support XX/XX/XXXX and got response the XXXX saying they needed me to verify who I was and then let them know and they'd move my money to my wallet and give me a new vault. I did that. Then they said verify and provide selfy. So I did it again but there was no place to enter a selfie. I asked them where to enter a selfie and got no answer. I verified again and sent support a selfie. No response. I wrote several times. No response. Got an email asking if my issue was resolved I said no. No further support. I've written several times asking if they're stealing my money and gotten no response. I paid to have my bank account stop any further withdrawals. I could not sell when the market was up or use that money at a legitimate site.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had 2 collection on my credit report that I paid off simultaneously. One of the collections was removed but the other remained. I spoke to a representative of the debt collection company and they said it should come off after I disputed it. After the dispute they never removed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I asked for a copy of the agreement or contract that has my signature on it that authorizes the bank to collect this debt. Under the FDCPA I have the right to have my alleged debt validated. They did not provide me with that information and it has been over 45 days or more. This Debt is not mine and should be removed from my credit.

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 2018-07-30
Company: Senex Services Corp.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Disputed with company directly as well as with Credit bureaus Numerous times requesting validation AND verification of debt via certified mail and online disputes tool. Each came back verified with out proof even with an attached FTC report of Identity theft. It has been months and most recent request for verification is now past 30 days without the requested verification. I have also filed a FTC report due to this not being verified because these are not my debts. -SENEX SERVICES

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Please note that this is not a DISPUTE but a request for complete COMPLIANCE and Challenge for Non-Compliance in accordance to the FCRA. 
I have recently reviewed my credit report as I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Upon review, there are injurious, UNPROVEN, NON-COMPLIANT and Inaccurate items being displayed on my credit report as per XXXX XXXX Total. 
I have attached What these items are :

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 2020-06-03
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: Investigation took more than 30 days

Complaint:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

Company response to consumer: Closed with explanation