BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-02
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: Their investigation did not fix an error on your report

Complaint:
Dispute Results # XXXX XX/XX/XXXX Experian sent me a report and it shows that XXXX XXXX will stay till XXXX. XXXX XXXX  has responded and will have their information hidden from report. I have received the same message from all credit inquires I disputed. My list of disputes were fraud. I furnished an email that was bounced off my company email that was used.

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 2018-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
For over year I been writing letters to capital one about someone else using my card. Thru private investigation I found who it was. I did not press criminal charges. But, the person has to fix her damaged with that being said.. I have sent all the info needed and my credit report is still showing charges on one of my cards. The charges are not mine. I paid this card off on XX/XX/2018

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-18
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
WHAT HAPPENED. In XX/XX/2018 I submitted an FTC Identity Theft Report to Equifax, XXXX, and XXXX. In the Report, I stated that someone had used one of my former addresses to fraudulently obtain a credit card in my name. As a result, Equifax ( but not XXXX or XXXX ) removed all of my former addresses from my credit report. Equifax confirms that the FTC Report was the reason they removed all my former addresses. 

MY COMPLAINT. I want to be very clear about my complaint. My complaint is NOT that Equifax deleted all the addresses, rather than just the one that was fraudulently used. Rather, my complaint is that Equifax deleted ANY of my former addresses. That a correct former address was, or may have been, fraudulently used in the commission of an identity theft is no grounds whatsoever for removing that address from the customers credit report unless the customer specifically requests that it be removed. In my FTC report, I did not in any way request that any of my addresses be removed. 

WHY THIS IS IMPORTANT. The removal of my addresses poses a real problem for me. I am applying for a mortgage and therefore need to establish at least a two-year history of my residence. Because I have lived at my current address for only about five months, I need my credit reports to include my former addresses. 

HOW I TRIED TO RESOLVE THE PROBLEM. Equifax told me that the only way I can restore the former addresses is to have one of my current creditors report my former addresses to Equifax. That will not work in my case. I have only one current creditor. That creditor they told me that they do not normally report former addresses to the credit bureaus, and that it would be a violation of federal law for them to offer a service to one customer that is not offered to all. 

THE PROBLEM IS ONE OF EQUIFAX POLICY. The problem I encountered at Equifax is not a processing error. The Equifax fraud department told me that what happened here was the result of a general Equifax POLICY. According to that policy, whenever it is reported in an FTC Identity Theft Report, or in a police report, that a former address was used in the commission of an identity theft, Equifax removes that address from the customers record at Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-23
Company: Central Atlantic Sales Inc. T/A Priority Buy Here Pay Here
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XX/XX/2019 my account manager XXXX XXXX at XXXX XXXX XXXX IN XXXX, VA XXXX talks to me every rude because my car payment was late advised I was going through some financial issues and then she begin to ask me why cant XXXX people never pay there bills on time .. I have had issues with her or more then one occasion. I have addressed her manager and he assured me I would never be spoken to in a rude manner again. and nothing has changed.,. it has been to the point where ive disconnected the call due to rude behavior and she has call back threatening to take legal action on me and I cant handle it .. she calls me all day every hour on the hour. its to the point where I have to cut my ringer off.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: Diversified Consultants, Inc.
State: VA
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 noticed my credit score dove 100 plus points due to a collection being added. I placed a complaint with XX/XX/XXXX, the ONLY reporting agency to show this incorrect entry. It listed a balance as though they had not been paid for the past 3 months. The total claimed is {$330.00}. When asked what is this / who is this for she says XXXX XXXX XXXX. I said Ma'am This was taken off my other reports years ago. She states it was filled with another outfit in XX/XX/XXXX. I've had and have XXXX XXXX XXXX as my Cellular carrier now since XX/XX/XXXX. so 11 years and counting. This is bogus, all my bills are paid on time. All three reporting agencies show this. It's quite frustrating for these crooks to be allowed to do this I have 100 % repayment on time. No reason for me NOT to pay unless I never owned it. Please make them remove it once and for all. Please see the dates are made up ask for XXXX ack up for those dates, Please!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-02
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a Citibank checking and savings account package under a promotion to earn a {$400.00} bonus for depositing {$15000.00} and leaving it on deposit for 60 days. 

On XX/XX/18, I deposited {$15000.00} per the requirements. On XX/XX/18, I did an online chat to check status and was told the promotional code is not attached to my account even though I clicked through the offer on their site ( I've heard that this has happened to a lot of other people. ) The rep confirmed that I met the requirements but I had to call the XXXX XXXX XXXX XXXX about the promo code error. That rep ( XXXX ) put in a request to apply the promotion to my account and said to call back on XXXX if the bonus hadn't posted yet. 

On XX/XX/18, I did an online chat with XXXX to check bonus status again. The rep again confirmed that I met requirements but said I'd have to call the XXXX XXXX XXXX XXXX again about the bonus. That rep ( XXXX ) said it looks like there was a promotional dispute opened on my account back in XXXX but it was cancelled ( not closed per their process ) with insufficient notes about why. She also said there was a note that I didn't meet the requirements. I've been told twice that I met the requirements by other reps and there was no communication from Citibank to me that the dispute was cancelled. I've had funds on deposit with Citibank since opening the account in XXXX with the expectation that I would receive the {$400.00} bonus that was originally promised.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I made a call to my credit card company today XX/XX/2018 but struggling to pay for my card if their is a promotion on my card if the interest the percentage on my card will be reduced and the lady that was on the other side didnt give me options she asked me about my income and experiture which I told her I dont know because the numbers will be give her will not be correct and she keep pushing and pushing and at the end she told me my account is going to be block and Im going to have a bad credit record but I have to keep on paying them. I told her no this is not why I am going I was calling if my interest will be reduced or if there is going to be a promotion on my card I can still be able to continue to pay but MBNA credit card costume will not listen to me

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 2020-08-31
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
Equifax refuses to report data from my XXXX  - XXXX Visa account which has caused my credit score to be much lower than it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: Experian Information Solutions Inc.
State: NM
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:
Experian can not seem to get this right. I've already filed a complaint with CFPB regarding this matter and Experian claimed it spoke with XXXX and supposedly confirmed that I am somehow responsible for XXXX  account no. XXXX. Experian uses this as a basis to keep its negative and erroneous report regarding me and this account on my credit report - essentially, Experian is reporting that I failed to pay and/or made a late payment in connection with XXXX  account no. XXXX. This is false. Experian should know this, because I previously forwarded to Experian a letter from XXXX attesting to the fact that account no. XXXX is not my responsibility. Nevertheless, Experian, in response to my earlier complaint with the CFPB, stated the following : " Per your previous request for reinvestigation, we contacted the data furnisher ( s ) for the account and asked them to verify the accuracy of the information with which you disagree. The data furnisher ( s ) responded to your dispute and verified that the disputed information was accurate as reported. '' Experian is either mistaken, not telling the truth, and/or did not really bother to contact XXXX regarding account no. XXXX. Provided with this complaint is the letter I previously sent to Experian along with a letter from XXXX confirming that account no. XXXX was not and is not my responsibility. If I am wrong, please enlighten me and XXXX as to why Experian continues to insist on trying to hang this bogus credit report regarding XXXX around my neck. If there is a valid and legal basis for what Experian continues to try to do to me regarding XXXX account no. XXXX, I would love to hear it. 


Failing that, Experian should remove the negative references to XXXX account no. XXXX from my credit reporting, and restore my credit score to what it was before it was improperly affected by Experian 's erroneous and defamatory attribution of account no. XXXX to me. Maybe this time, Experian will actually read what it has previously been provided, and actually speak with the person from XXXX who knows that account no. XXXX was not and is not my responsibility. 


CFPB, please look into this with a little more vigor than last time. Apparently, you can not believe or rely on what Experian says about XXXX, XXXX account no. XXXX, and the account 's truly non-existent connection to me. Please look at the letter from 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 2021-04-24
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021, we submitted a {$2600.00} mortgage payment to Mr. Cooper Nationstar. This is our regular monthly mortgage payment.This is a ONE-TIME payment each month. 

On XX/XX/2021, at XXXX XXXX, according to XXXX XXXX records, Mr. Cooper submitted THREE more mortgage payments to our bank XXXX XXXX They ILLEGALLY took out {$7800.00} from our bank account, causing our account to be overdrawn. 

On XX/XX/2021 at XXXX XXXX, I called Mr. Cooper. They said " It's not our fault. It's XXXX XXXX XXXX fault. We can not help you. '' I then called XXXX XXXX, who told me that it IS Mr. Cooper 's fault, and we have to work with them to get our money back. 

At this point, Mr. Cooper owes us {$7800.00} and they won't return phone calls or messages via social media. 

They ILLEGALLY took 4 mortgage payments from my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My account was disable 2 weeks ago. Coinbase requested scanned copies of driver license and proved of address verification. Information was entered multiple times. I still have no access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
After receiving emails from the bank for COVID-19 relief on my auto loan account, I requested the relief but continued getting collection calls. I sent them an email and referenced the relief request, I was told to call. I called again and requested the relief and thought all were fine. But, again, i started to receive calls and noticed late payments on my credit report. I contacted the bank ans asked why I was still getting calls and reported late payment but, instead of answering my questions, the representative hung up the phone. I was only 7 day past due on my account buy still receiving almost daily collection calls even though there was a relief.

I tried to close the account but they wouldn't let me close the account either. This bank is a crook.

This negative reporting has dropped my credit score significantly that the Department of Education has denied my child 's parent Plus Loan.

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 2017-07-04
Company: CMRE Financial Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection letter from  CMRE Financial Services, INC.   XXXX   XXXX    XXXX   XXXX     XXXX   XXXX .  XXXX , CA.  XXXX  dated  XXXX / XXXX / 2017  in the amount of {$180.00}. They state the original debt was owed to  XXXX   XXXX ,  XXXX .   This debt is not my responsibility and I am concerned based on the poor reputation of this company that they will report fraudulent information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Someone stole my drivers license. Changed the name of all my former employers. My social security card was stolen with the spelling of my name as XXXX XXXX XXXX. I 've once used the spelling of my name on my birth certificate. XXXX XXXX XXXX. I was once married to XXXX. XXXX XXXX XXXX XXXX XXXX oldest son is XXXX. XXXX XXXX XXXX XXXX His date of birth is XX/XX/XXXX. I began using my maiden name when I learned I was a victim of identity theft. My maiden name is XXXX. The FBI told me it was an inside job, when I went to them. IRS told me something similar & told me it 's my family members. A tax return was filed by them in XX/XX/XXXX. This is the year I was laid off from XXXX XXXX XXXX XXXX. The company also have access to my social security number. Social security wrote a query for me with all of the EIN numbers of my former employers from XX/XX/XXXX - XX/XX/XXXX. XXXX XXXX XXXX XXXX  amended & restated all of my tax returns from XX/XX/XXXX - XX/XX/XXXX and made themselves my conservator. In XX/XX/XXXX the company used my stock to sell my home at XXXX XXXX XXXX XXXX TN XXXX. In XX/XX/XXXX The XXXX Family refinanced my home using my XXXX XXXX son power of attorney. The United States Attorney General informed me of this. Fraud interest statements have been reported to IRS. The FBI also told me to pull all of my tax returns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Was not notified of investigation status or results

Complaint:
To Whom It May Concern, This letter is a formal statement notifying the above parties that the accounts under : XXXX XXXX XXXX XXXX reference number XXXX, and TOYOTA MOTOR CREDIT reference number XXXX are disputed. 
The vehicle in question was purchased on or about XX/XX/XXXX, financed by TOYOTA MOTOR CREDIT, repossessed in the state of ARIZONA in XXXX, and sold by TOYOTA MOTOR CREDIT on or about XXXX. 
Under the law and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS. 
9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL You are required to provide me with copies of the leg
al notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. I currently have not received any of the required notices which were supposed to be properly and timely given, and all of the allowable redemption and cure time limits were supposed to be adhered to.If no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies. 
Furthermore, you are hereby notified that at no point in time and under no circumstances is your company ; an employee of your company ; a representative for your company or affiliates are to contact me or any family members by any means other than the US mail system to let me know their will be a deletion of the trade-line. 
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04
Company: Receivable Management Group, Inc. (GA)
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I made a payment of {$50.00} on  XXXX   XXXX  but I saw another transaction leave my account for the same amount on  XXXX   XXXX . I have not made an additional payment. I called about this transaction and they claimed that I made a payment online at  XXXX  EST on the  XXXX . I made no such payment and was asleep at that time. They claimed that I made the payment but that they would refund it to me today. It has not been refunded at this time and it is past business hours which means it should have been refunded by now. I did not make this payment and I am fearful to make future payments to this company because of this occurrence. I do not trust them with my information. It  is Receivable Management Group ( RMG Collection s )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: LCO Financial Services, LLC
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
Ive contacted Blue Trust Loans/Hummingbird ( another business name ) and revoked all ACH transactions and wage assignments as well as any electronic checks to debit my account. This loan had outrageous hidden fees and even though I had originally requested to pay the loan in full they still set up the loan in biweekly payments on my pay date. The interest rates far exceed the allowable amounts in Indiana and they are allowing users to borrow more then what the state allows which is {$550.00}. They have not responded to my revocation email and should not be lending in Indiana as they are violating the lending laws and do not have a license to operate in this state.

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 2017-07-04
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: Public record information inaccurate

Complaint:
Submitted disputes XX/XX/XXXX and XX/XX/XXXX to XXXX and Equifax that information regarding a bankruptcy they were listing is inaccurate. Each time they responded they had verified the listing. I asked for their procedure they used to verify bankruptcy I never recieved it.

Company response to consumer: Closed with explanation