BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-16
Company: PNC Bank N.A.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
My car loan was with PNC Bank. The car was purchased before I was married and therefore both the title and loan were in my maiden name. I called them on XX/XX/2020 to express my intention to pay off the loan and to see if I could have the title mailed to my married name or otherwise arrange to pick it up, as I knew the mail addressed to my maiden name would not make it to me. I explained I understand that I need to correct the name on the actual title, but that I needed the mail envelope itself to have my married name. The representative I spoke with said that they could not mail it to my married name but that 1 ) they would mail me the form I need to fill out to legally change my name with them in the event that 2 ) the title bounced back to them. In other words - worst case scenario is the title is returned to sender and they would be able to mail it back addressed to my correct name. I paid the loan in full on XX/XX/XXXX. As expected, neither the title or change of name form made it to me. 

After several calls to PNC in an attempt to address the issue, I was escalated to someone in PNC escalations ( name and phone number available upon request ). I was told that my only option is to pay the 3rd party company XXXX a {$23.00} lost title fee to get a letter of debt satisfaction in the mail. Then I would have to go down to my state office and pay {$50.00} for a duplicate title as mine is " lost. '' They are attempting to pass these costs onto the consumer, including the {$23.00} fee to their third party vendor, due to something I called in advance to try to stop from happening. It seems negligent at best and like a complete scam at worst. Its an absolute joke - especially considering that we as consumers are unable to control which creditor our loan is sold to. I spent over a month dealing with this issue and did not receive a satisfactory resolution. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: Experian Information Solutions Inc.
State: OH
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:
the investigation process was not conducted fairly, and no supporting documents were given to me to support their findings.

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 2020-09-18
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent CERTIFIED letters out over 60 days ago and have yet to receive a notification. As a consumer I feel like these people dont care and are taking advantage of me. Also, THIS IS ME THIS IS ME THIS IS ME!! DO NOT SEND ME A VAGUE STANDARD RESPONSE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
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: Was not notified of investigation status or results

Complaint:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 32 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX, I went to my bank to transfer XXXX USD to my Coinbase account. Prior to transferring the account, Coinbase was claiming to transfer incoming wire within 1-2 days. So, I proceeded to transfer to my account in Coinbase. I waited 2 business days and no funds were  available, so I submitted a ticket to support. Since Coinbase does not have a support number for wire transfer I could not speak to anyone about my case. After a couple of days I got a generic email saying they apologize for the delay, they were behind on wire transfer and all transfers should be completed. I replied back to the email explaining that my account does not have my funds transferred. Again after a few days, I get no response so I continue to ask for updates. Coinbase only replies with a generic message but no indication that my funds are available or what the delays maybe. Ive sent over 30 emails with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: Rent Recovery Solutions
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When I contacted the apartment complex that summited the debt, ( XXXX XXXX ) they had no record of my living there. They then directed me to call the main office, they also had no record of me living there. I've also contacted the collection agency ( rent recovery ) they said they have signatures and my social on file saying that I did live there. I have never lived in XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: Paypal Holdings, Inc
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
I have a total of 4 charges dated XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020 from XXXX that were processed on my paypal account. I disputed them and paypal just closed my claim without investigating them. XXXX has confirmed they're fraud transactions but paypal refuses to provide any way for an appeal to be submitted. They need to do a better job at actually investigating charges before immediately denying claims. I will sue them if I dont get my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-05
Company: Experian Information Solutions Inc.
State: IL
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: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2018-11-13
Company: TOYOTA MOTOR CREDIT CORPORATION
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 is missing that should be on the report

Complaint:
I am writing about my vehicle lease, for XXXX XXXX XXXX, my SSN # XXXX. 

I am the owner of the vehicle and my partner co-signed the vehicle. He is part of a Bankruptcy potion and the account should not be reporting status during that time. Last month I got a notification that I got a 30day late for last months payment. 

I have paid the account and have it up to date. I am asking that XXXX remove the 30day late as while this is being sorted out nothing should be reported to the credit bureaus while this is in BK status. 

I can be reached at XXXX Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 61 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: EQUIFAX, 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 status incorrect

Complaint:
on XX/XX/XXXX I submitted a dispute via certified mail to XXXX noting that inaccurate information was being reported on my credit report. I requested that all information in question be lawfully validated or removed. I received no validation or response. I then submitted a follow up dispute XX/XX/XXXX. Once again I received no validation or response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
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:
i filed disput with experian about a collection accout medical debt from XXXX financial for {$680.00} i sent proof the to both experian and XXXX that i'm on texas medicaid been on it since 2016 that they can not do balance billing.. i want to the er for an emergency they then bills from differnt dr saying they do not accept medicaid i told them im protected by state and federal law they refused to do anything reported it to the credit company experian they said we veryfied the debt is true .. witch is not it is a fraudlent bill

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 2022-04-12
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chime continued to remain out of compliance with each denial to my dispute. It is clear in which through out the documentation and paper trail ( emails ), that both Chime and I hold, it clearly shows them breaking law, rules and regulation. Chime violated the Electronic Funds Transfer Act, as it pertains to how they handled and replied to my disputes. The company shut down all of my accounts, without notice or reason. I violated no terms or conditions, and they can not provide not XXXX reason why! I will be looking into a class action lawsuit for resolution!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: EQUIFAX, INC.
State: AZ
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:
As of today 's date, XX/XX/XXXX ; Equifax shows a credit score for me of XXXX after it went down by 20 points, due to spending on my credit limit. However, XXXX shows a credit of XXXX, XXXX shows a credit of XXXX ; and both of the latter credit bureaus show an increase in credit score while Equifax, which shows zero collections always shows a decrease. Additionally, XXXX shows only a 29 % use of credit, while Equifax shows 40 % I have attached all 3 credit reports and proof of payment for XXXX -confirmation # XXXX ( receipt was not sent, yet ).  There is ZERO uniformity between credit reporting agencies, and there's no accountability for credit bureaus on how they report our credit. 

How is there a 23 point difference between XXXX  and Equifax and 38 point difference between XXXX  and Equifax ; when I have collections on XXXX ( 2 of 3 have been totally paid off as of XX/XX/XXXX )?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: Experian Information Solutions Inc.
State: AR
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 was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

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 2022-12-05
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These inquiries are reporting on my credit report from fraudulent activity. I do not have any account associated with these inquiries. I opened up a XXXX card that was opened on XXXX that was pre-approved. XXXX did not hard pull my credit. These inquiries are misleading cause I was not applying for 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 non-monetary relief
Consumer complaint received 2022-04-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have not used my XXXX account since XXXX. I settled with XXXX and they sold the account to portfolio recovery in XXXX of XXXX. Ive disputed it and they keep sending bills and calling for portfolio recovery. I made one payment to them because I thought was medical bill. How can I remove it from credit report and get them to leave me alone?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: Recovco Mortgage Management, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied to refinance my house middle of XXXX via a known broker in the area ( XXXX XXXX XXXX XXXX ). After shopping for the best option, they recommended to go with Sprout Mortgage. The application was approved around end of XXXX and final clearance met with all conditions removed ( ready to close by XX/XX/XXXX ). This is when the problems started.

Sprout Mortgage has completed stopped communicating back with my broker and me. They are no updates on when I will be closing on the approved application. We spent hours going through this process and after 2 months of pain-staking efforts, providing countless documents and meeting all conditions, the lender has completely gone silent. Can you please help?? Thank you.

NMLS Info for Sprout Mortgage # XXXX Sprout CA DBO License # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
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: Public record information inaccurate

Complaint:
XXXX keeps placing a paid off state tax lien on their site making my scores look bad. This lien was paid off way back when and completely removed back in XXXX XXXX. I have already contacted Equifax repeatedly as I was told that this is the only place they could have attained this information from. Equifax stated they would dispute it again and they then removed it or deleted it once more. They stated their info came from XXXX whom claims there is no lien. This is now the second time this is happening to my credit report without any explanation. The first time was a couple months ago and now again in XXXX XXXX. This needs to be stopped as I can not even tell what is accurate anymore and what is not, even though I know for a fact that the lien is not accurate since I have already had to verify it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
1. BBVA Line of Credit we had matured XX/XX/2020 no lates payments ever on this loan. 
2. BBVA said they were going to not renew our line. 
3. BBVA said they were going to offer us a term loan alternative. 
4. BBVA stop communicating to us XX/XX/2020. 
5. BBVA sent a collections letter .6 BBVA we called collection center explained to them were waiting on the loan or renewal program. Bank rep asked if we were experiencing COVID funds issues. We explained yes they stated a ticket number on the file. 
7. BBVA second talk they said due to COVID they would renew the line and remove bad credit marks.

8. BBVA has again cut all talks with us 9. BBVA is now reporting 30-60-90 days late on our credit report the only bad debt I have ever had and we never missed a payment due from them not offering to let us pay. 
10. They have made no attempt to contact me, negotiation with me or update me since late XX/XX/2020. 

The core is they offered me a renewal and stated on there recorded line they would remove bad credit marks and allow us to regain payment records on this loan Prior to this we never had one late payment to them and keep a perfect credit file. 

Please help us with them they are not operating fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2021-11-08
Company: Experian Information Solutions Inc.
State: NV
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:
for the last 4 months i have submitted credit challenge letters to Experian and I havent received one response regarding receipt or outcome. all of the information that I challenged in these letters are still on the report as if I never sent in the letters. I have evidence from the post office on all occasions that the mail was received by experian as i sent them all 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 2023-06-22
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
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: Their investigation did not fix an error on your report

Complaint:
Ive noticed there are several items on my credit report that do not belong to me. Ive contacted all three credit agencies asking for further information verified. I have not received any information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-02
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am repairing my credit. I checked my credit on XX/XX/2021 and discovered this company on my credit file. I have no knowledge whatsoever on this company or the debt. I have not received any type of notification on this.

Company response to consumer: Closed with explanation