BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-21
Company: EQUIFAX, INC.
State: GA
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 reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7100.00}, {$13000.00}, {$4100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1.  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7100.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX, PA XXXX Date : XX/XX/XXXX XXXX : Unauthorized Credit Inquiries to Whom It May Concern, I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Please have these inquiries removed from my credit file immediately because it is making it very difficult for me to acquire credit. I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that youve had the unauthorized inquiries removed. If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. I am a victim of fraud and have a police report on file. Otherwise, please note that I am reserving the right to take civil action if necessary. 

Inquiries : 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 

Thank you, 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 2017-12-27
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I made a transfer of approximately {$40000.00} of the virtual currency Bitcoin Cash to Coinbase on XXXX XXXX, 2017. The transaction was confirmed at XXXX XXXX CST by the blockchain protocol, however, the funds were never credited by Coinbase. I made several attempts to find out the status of my funds, and why they were not being credited to me even though they were verified to have been received by Coinbase, and the only answer I get is " Your case has been escalated to the highest level and you will hear back from us shortly ''. 

It is now over a week later and still no response, I am still missing over {$40000.00} in funds, no minimal correspondence and no resolution. They even drop my calls when I call customer service and do not call me back. They hung up on me after I get connected with an agent more than once. I need access to my funds as it is unlawful and fraudulent to hold my funds with no explanation nor attempt to fix the problem. I have lost thousands in trading possibility as well as investing at times that would have profited me signinficantly. There have been damages in excess of {$100000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are a couple of things I am complaining about Capital One Bank USA. Please see attached screenshot of my credit reports from the three major credit repositories. Highlighted are pieces of incorrect and inaccurate information resulted from this company 's negligence and none compliance with the Fair Credit Reporting Acting, causing me financially and at some point, stealing my right to acquire loans or acquire loans at a much affordable rate. The following are this company 's violations : 1. On XXXX or XXXX XXXX, I paid off this account, bringing the balance down to {$12.00}. Upon downloading my credit reports last XXXX XXXX and today, XXXX XXXX, I found out that this company is reporting me with a balance of {$1800.00}. This tells my future creditors that I am ineligible for a loan or I could get a loan at a ridiculously high rate! This account ref # XXXX shows incorrect balance which cost and is costing me financially. Also, by reporting this incorrect information, they are sending me my creditors a message ... that I owe them {$1800.00}. 
2. On that note, this company also is reporting me past due for {$320.00}. I 've got and been getting the same results/response from other creditors that I am not qualified for a loan because of this. I do not owe them this amount. 
3. They are reporting incorrect last payment date. On my credit report, they are saying that the last I paid them was last XXXX XXXX, The last time they updated the item was " XXXX XXXX, XXXX ''. Clearly, this is a proof that FCRA has been violated. 
4. Due to the incorrect balance reported, my credit has been ruined! On my credit report, it shows am about 185 % of my usage for this account.

5. The account opened date and closing date is incorrect and is not the same with the other bureaus. This is another violation of FCRA. 

Also attached to this complaint is a copy of the SC-100 form I filled up and ready to file if this item will not be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been double covered with insurance during that time through XXXX and XXXX under my parents legally. I think this should be looked at and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: EQUIFAX, INC.
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:
There are a few accounts on my report that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: Better Mortgage, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for and completed a refinance application for a 1.98 % APR refi on XX/XX/2021. All information was provided as requested by XXXX. 

On XX/XX/2021 after spending many hours scanning and uploading documents, I received the following message from XXXX. " Congratulations! You're conditionally approved. Now, we're just waiting on a few third-party documents to complete your file, then we'll start our final review. '' I was told by my agent XXXX XXXX that the loan was good to go if we rolled in a current car loan also. This would satisfy debt to income ratios per XXXX. 

Over the next month, I asked for but never received a final closing disclosure with the car loan incorporated. After repeated requests, still nothing. 

On XX/XX/2021 I was called by a manager and told that the original loan that I was told I could obtain was now not possible. 

Over 2 months from starting this process, interest rates have now gone up and I have lost an opportunity to save {$400.00} per month or ~ {$28000.00} over the term of my new loan. 

I will be looking into any legal action I can take due to the false statements and negligence of XXXX in order to recover the savings I would have realized had they followed through with their loan commitment. 

I have email correspondence to support my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: Exeter Finance Corp.
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: Public record information inaccurate

Complaint:
All of my detailed information is attached to this complaint. During this whole ordeal I ca n't understand if a debt was paid-in-full due to a total loss claim, HOW does a company consistently accuse you of still owing, keep this mis-information on your credit reports in their alleged justification and refuse to admit that the accounting fault is the fault of the company for how they handled the pay-off settlement for this loan. I should not continue to have my credit scores damaged because this company is determined to penalize me for not being able to collect 5 years of high interest rates for the loan I had with them. 
At the time of the loan I entered a second chance loan agreement at 24 % interest for 60 months. However, because the vehicle was totaled when an act of nature occurred ( I unavoidably hit a dear in the midst of an Ice storm. Prior to that I was forced into a bankruptcy in order to save my home from foreclosure ; of which all of my debts had to be included in this filing. Since this company fell under that jurisdiction they were listed, BUT EXCLUDED from the original proceeds because I agreed to pay them separately to maintain my credit under the second chance program. However when all of this happened, they tried to use the bankruptcy status to justify why they kept accusing me of still owing them money - '' AFTER THE ACCOUNT WAS PAID IN FULL!!! '' Now this account has bee listed as a charge off which is bad for my credit rating and bad because they are still proclaiming that I owe them money!!!!! This is the question I keep asking EVERYBODY : IF YOU PROCESSED A PAY OFF CLAIM ACCORDING TO WHAT YOU STATED WAS THE PAY OFF AMOUNT, WHY WOULD N'T YOU REPORT THE CORRECT PAY OFF AMOUNT IN ORDER TO BE PAID IN FULL????? 
NOT ONLY THAT, WHY WOULD YOU HOLD THE CUSTOMER RESPONSIBLE FOR YOUR MISTAKE, RUIN THE CUSTOMER 'S CREDIT RATING AND CONTINUE TO REPORT INCORRECT, DEROGATORY AND NEGATIVE INFORMATION FOR THE ONLY PURPOSE AS TO KEEP ME IN FINANCIAL BONDAGE FOR THE LENGTH OF TIME THAT I WOULD HAVE BEEN PAYING THEM IN INTEREST RATES FOR THIS HIGH END LOAN! THEY FEEL IF I WANT TO GET RID OF THEM THEY ARE TRYING TO FORCE ME TO PAY THEM WHATEVER THEY WITHHELD FROM THE PAY-OFF AMOUNT JUST TO ATTEMPT TO MAKE ME PAY THEM MONEY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
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: Their investigation did not fix an error on your report

Complaint:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please CORRECT the account in my Credit Report : XXXX CARD 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 2021-10-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
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:
In XXXX I was the subject of identity theft and a credit card was opened in my name with XXXX XXXX XXXX XXXX XXXX Several thousand dollars were charged to the account and I discovered the fraud when I checked my credit report. I filed a police report and communicated with XXXX XXXX XXXX XXXX and the three credit reporting agencies and the fraudulent account was deleted from my credit report in XX/XX/XXXX. I have now discovered that Portfolio Recovery filed a derogatory report against me with XXXX in XXXX, almost a year after the fraudulent account was deleted. XXXX has explained to me that XXXX XXXX  sold the account to Portfolio Recovery AFTER XXXX XXXX KNEW the account was fraudulent and Portfolio Recovery should have known as well. This has now adversely affected my credit rating and I want the derogatory report removed. XXXX claims it can only do so if XXXX XXXX or Portfolio Recovery takes action. A copy of the XXXX dispute resolution dated XX/XX/XXXX reflecting the deletion of the fraudulent account is uploaded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09
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: Their investigation did not fix an error on your report

Complaint:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please CORRECT the account in my Credit Report : XXXX CARD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: Paramount Recovery Systems, L.P.
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: Old information reappears or never goes away

Complaint:
XXXX  XXXX XXXX Account has been reported by multiple Collection Agencies over the years. It had been removed from my credit report ( see attached -- -- ) and recently resurfaced from XXXX under PARAMOUNT RECOVERY as Opened Account XX/XX/2021 which is inaccurate and has reduced my credit score by 48 points! as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
Company: Navient Solutions, LLC.
State: CA
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:
On XXXX/XXXX/XXXX I received the second half of my student loan disbursement {$9900.00} for that school year. Not needing the entire amount of the loan for that I contacted my financial aid office who instructed me to go to the Direct Loans website and pay the amount in return. On XXXX/XXXX/XXXX I did just that and made a return loan payment of {$9000.00}. In XXXX of XXXX when I graduated I decided to work on loan consolidation since I had several loans spanning from XXXX and XXXX  school. I realized that No Where could I find the {$9000.00} payment I made and it was not applied to the loan I had received for the XXXX school year. I called direct loans and asked. Which they replied that because I made an online payment, the payment was sent to pay interest first and split up over several loans that currently held interest. I told them that this was a Loan Return Repayment and was supposed to be allocated to that certain loan. The lady told me it did n't make a difference where it went. I thought this was odd so later that week I contacted my financial aid office again. She said that it was a big deal and I was going to continue to be charged interest for the principle of this loan. Call them back and tell them to allocate that repayment. The next thing I know my loans were transferred that month directly to Navient. I called Navient and they said they had NO record of this loan repayment. That was four years ago! I have been fighting with them for four years. Finally this year they finally have admitted that they do see the payment and that it was split up instead of paid to that loan and " there is nothing we can do for you. '' We can not change the way the loan was sent to us. I have provided extensive bank records to them, requests, I have letters they have sent me saying that no such XXXX payment even existed. They have shuffled me for years. Saying they were going to fix this error. Please give us this info/ that info. etc.They are legitimately defrauding me. Pocketed the money I returned. And continuing to compile interest on the full principle of that loan. PLEASE HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Sezzle Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
A cease & desist was sent to the debt collector. According to 15 usc 1692c you are prohibited from communicating with me. The debt collector is still communicating indirectly through my consumer report. The debt collector only has a right to report if I have given them consent. I have never given this debt collector consent to report anything to my consumer report. According to 1692c ( b ), you have to have my consent which I DID NOT give. 

According to 15 usc 1692k ( a ) ( 1 ) a debt collector who has violated any provision of the FDCPA Is liable for actual damages. You are reporting several accounts. According to 15 usc 1692k ( 2 ) ( A ) it would be {$1000.00} per violation. 

This alleged debt was also in litigation and was released. 

I will not hesitate to file a suit if you continue to break FEDERAL LAW and violate my rights.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: Bread Financial Holdings, Inc.
State: NJ
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 had a reoccurring charge with XXXX. I lost my credit card and Comenity bank issued me a new card with a new number in XX/XX/XXXX. On XX/XX/XXXX I was charged $ XXXX> I did not give my new number to XX/XX/XXXX but Comenity bank did> I did not give them permission to give my number to anyone. They told me it is their policy to give my number to companies that I have reoccurring charges. I don '' t think they should have the right to give my credit card number to anyone without my permission regardless of previous transactions. I thought the credit card companies were supposed to protect me not the venders.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Bankruptcy is reporting inaccurately. I have supporting documents

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: Atlanticus Services Corporation
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
Lost job twice in 2021 and was never aware of my credit protection I was paying for till they cut it off and then when I mentioned it XXXX said not their problem. 

not first time this company has done this to me. reference XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-26
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I filed complaint XXXX, which was resolved and the company admitted that they will not attempt to sell me their loan consolidation service. They are not honoring that resolution and are now calling me from a different company named " XXXX XXXX XXXX '' or they sold my private information to another vendor. A woman named XXXX called from ( XXXX ) XXXX and spoke with my father giving him a reference number XXXX. She divulged my personal and private information to a person that is not authorized to speak on my behalf.

Company response to consumer: Closed with explanation