BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
After communicating via mail and phone call on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I am now filing this complaint. Assist me in correcting my credit file which has several wrong account and personal information. XXXX XXXX XXXX is listed 3 separate times on my file and hinders me from taking care of my family. XXXX XXXX XXXX is a company that is obviously made up because I have not heard of them ever. XXXX XXXX XXXX which I know is a collections company has listed on my report 2 times. They knowingly are attempting to collect on a debt that is not mine. XXXX to whom has duplicated a account that is NOT mine. XXXX XXXX I have never given them any information about me and I should not have a account. Every communication with XXXX, Transunion, and XXXX about these issues they send out a letter about validation. Under 15 USC 1681a ( XXXX ) it clearly states that in order for the credit reporting agencies to verify anything they must conduct interviews with my neighbors, friends, or associates that have knowledge of me and accounts. I know none of this has been done and even my family and friends know I handle my business.

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 2017-07-26
Company: Byrider Franchising, LLC
State: MA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I voluntary surrendered the vehicle in XX/XX/XXXX. At that time I requested a copy of my entire file with the company including the amount that the vehicle was sold for. I was told by the manager XXXX that I could not have any documentation relating to the vehicle. I called the office again and this time spoke to XXXX who managed the payments at the front office and was told that I would have to speak to a manager who should be able to get me the information. I was informed again that I could not have any paperwork including the resale price. I no longer had any contact with the company. As I am repairing my credit I reached back out to the company XX/XX/XXXX and this time I believe that I spoke to XXXX who informed me that he could not produce any paperwork since the account was so old and his exact words to me were " dispute this item on your credit report. '' I disputed this item XX/XX/XXXX and in XX/XX/XXXX after no activity since XX/XX/XXXX they have misrepresented on my credit report. 1st error - it is stating repossession and it should have stated voluntary surrender. 2nd error - they have stated that a payment of {$240.00} was made - I have not made any payments on this account. 3rd error - they stated that the vehicle was refinanced/renewed which is simply not true. This bank/creditor is known for their deceptive practices. Please investigate and remove from my credit as they are not providing correct or accurate information. Thank you kindly

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: EQUIFAX, INC.
State: IN
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 accounts do not reflect their accurate status..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.. 
Get rid of this bankruptcy status as soon as possible and notify me when its done so that I can go ahead and apply for the things I have to apply XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
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 belongs to someone else

Complaint:
After reviewing my credit report, I am not happy to see the below items that are still showing in there even after your investigation. Identity theft has happened to me. I meet all of the requirements for the Block and Removal of information on my consumer report that resulted from identity theft under 15 USC 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PORTFOLIO RECOVERY A I XXXX - XXXX is listing an account as XXXX XXXX account ton my XXXX report. My social ends with xxx-xx-XXXX, the  account is not mine and has a different social and name. XXXX XXXX removed it last year and now it appears again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-03
Company: The CBE Group, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been contacted multiple times in the last two months by a company that identifies as CBE Group. I have blocked their numbers but they continue to call from different numbers. Today, they called from the number XXXX. I called back and a female-sounding voice answered the phone. I asked, " Who is this? '' She responded " CBE Group. '' I said, " No, who are you? '' She responded, " I am a manager. '' I said, " You will not give me your name then? '' I told her that they have been harassing me for over a month, and I understand my legal rights ; do not call my phone number again. 

I have no debt collection that I am aware of. My credit score is in the " Good '' area, I pay every one of my  bills on time, and the only debt that I have is the debt from XXXX XXXX  that I am not expected to pay until I start work as a XXXX XXXX this XX/XX/XXXX. This is harassment, and I expect this company to be held accountable for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: SUNTRUST BANKS, INC.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
around the month of XXXX 2017 me and my wife had let a friend stay with us which had fallen on hard times. during this time while we were at work he got on are computer and ordered things using are pay pal account are user named and password were stored in are computer which gave him easy access to are information. i alerted suntrust bank when we learned of these transactions and opened a dispute with them. a provisional credit was issued to us for the claim. this provisional credit became permanent. at the same time as the provisional credit was issued more transactions were attempted taking the provisional credit away from the not authorized transactions. upon noticing this a call was made to sun-trust again to open yet another dispute which was opened and closed in a matter of 2 days and denied even tho they were from the same batch of transactions the bank approved as fraud. making matters worse the bank did not block more transactions from going threw they allowed multiple attempts at a nsf fee of XXXX to add up to more then XXXX dollars. even after emailing the bank to block all attempts from pay-pal to remove funds. after several attempts to get this fixed i received a notice of collection from sun trust bank. i called there disputes dept and was told there was nothing that could be done at this point as the matter had been given to the collection agency and i had to call them. i filed a BBB complaint against sun-trust which quickly got a response from them that now a rebuttal form was being sent and they would look into my complaint which they denied was not even possible when i called them. i sent in the rebuttal form via usps around a month ago and received nothing from sun-trust.

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 2022-02-08
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
TOYOTA MOTOR CREDIT On XXXX 2021 the company reported to the bureau 30 days late payment on the 3 bureau and the information not showing correctly on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Global Lending Services LLC
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Account # XXXX On XX/XX/2022, I entered a verbal agreemnt with Global Lending Services that would extend our loan, cease repossession and our payments would resume on XX/XX/2022. I then signed a written form of the agreement and mailed it to GLS the next day. The aggreement was made directly with their VP of Collections, XXXX XXXX. 

This morning I woke to find that GLS had repossessed the vehicle anyways.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Dear Sir/Madam I transferred XXXX to Coinbase a cryptocurrency platform. On XXXX-2017 from my XXXX bank account XXXX. The transfer payment ID is XXXX. I have transferred the payment using SEPA. 

I emailed coinbase several times but their reply is very generic saying that we have escalated your case and afterward no response. According to the company, my transferred payment should show in my coinbase account in 10 business days but almost a month has been passed now. 

I am in dire need of my funds. Currently, I am a student in the XXXX at the moment and is suffering from XXXX conditions. I need to pay my hospital bills as I am an XXXX XXXX I dont have access to free healthcare. 

I have written to coinbase several times but no avail. I want to cancel my transfer order and want my money back in my bank account to pay the bills. I have also written to coinbase CEO XXXX. My case was escalated two weeks ago and still no follow up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Radius Global Solutions LLC
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: Information belongs to someone else

Complaint:
I am a victim of identity theft.

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 2022-02-08
Company: Phillips & Cohen Associates, Ltd.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
My mother passed away recently. A letter came to the house from Philips & Cohen Associates stating that the client they represent is trying to get ahold of the estate or executor of my mother to resolve a debt. In the letter, they did not say whom the client was or what the debt was. It just had a phone number to call and a PIN number to give to reference the letter. Upon research, the company is a scam. They make it seem like theyre a law firm but it is not. They didnt say whom their client was or what the debt was from.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: MoneyLion Inc.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In XXXX Moneylion ( XXXX XXXX ) ran a promotion where they advertised a bonus of upto {$590.00} or 17 % of first paystub direct deposit and maintaining direct deposit for 3 months. See details below : 1. Join MoneyLion 2.Set up a direct deposit of $ XXXX 3.  Opt in to bonus 4 Maintain direct deposit for 90 days to get bonus ( this needs to be 90 % of your initial direct deposit ) 5. Bonus you receive will be 17 % of your first direct deposit I opened the account, opted into the promotion ( see attached screenshot ) and maintained direct deposit of {$3200.00} XXXX XX/XX/XXXX ), {$3100.00} ( XX/XX/XXXX ), {$3100.00} ( XX/XX/XXXX ) and {$3100.00} ( on XX/XX/XXXX ). 

Even after meeting the promotion terms, I did not get the promised bonus of $ XXXXpromotion terms, I did not get the promised bonus of {$550.00}. 

When I contacted Moneylion they are deceptive and saying that I did not click on the enroll promotion button even though I did. Please see attached screenshot for confirmation. 

Kindly issue the promised bonus of {$550.00} immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I called Navient on or around XX/XX/XXXX and spoke to a gentleman in the private student loan department about lowering my monthly payment because it has been a financial struggle for me to pay almost {$800.00} a month in student loan payments ( which is half of what my mortgage is for my house! ) I explained the situation to the person on the phone who proceeded to tell me that I may be eligible to lower the payment if I extend the repayment terms out to lower my payment. Upon checking, he said my loans were not eligible for this but had no explanation as to why they were not eligible. So I asked him what should I do if there comes a time where I ca n't make payments at all? Im supposed to let my loans go into default? I asked him what other people do who can not make payments and he said that they basically have to let their loan default and ruin their credit. How is this fair to people who want to actually pay their loan, but are just asking for affordable payments? It 's absolutely absurd and I think they should have better repayment options for private student loan holders.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: Nationwide Credit & Collection, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was contacted by Nationwide Credit in XX/XX/2019 by phone. Nationwide credit stated that I owed a debt and that a debt was owed on behalf of my ward. The debt amount was not recognized by me. I requested validation of the debt. I was informed that I needed to put this request in writting. I verbally told them that I would be doing that immediately, and asked them not to further contact me by phone. I immediately wrote to the company and put this request in writing no more than a week after receiving that call. I did not receive anything in the mail. After that initial call, I continued to receive calls and voice messages at least once a day over a two week period. I usually let these go to voice mail. On some occassions I answered and again stated that I was questioning the debt and had requested validation of the original debt, which I still had not received. The agents each time stated that they were making notes in the account and that the calls would stop while that information was being sent as I requested. The calls stopped for a little while, but then continued again. I also received mailed correspondence about the debt, but never received validation or information about the original debt. Meanwhile I was told that the debt was being reported on my credit. In XX/XX/2019, I again put it in writing and stated that this was now my second written request for validation of the debt. Again I received nothing. It is now XX/XX/XXXX and I am still receiving calls from this company. I have now written for the third time for validation of the debt, and have not received anything other then them sending out their own one page demand for payment with no validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/XXXX representing BANK OF AMERICA, XXXX XXXX XXXX XXXX, sued me in state court for an alleged credit card account that I have never seen before. The debt was disputed from the beginning. Neither Bank of America XXXX XXXX XXXX XXXX XXXX could not validate and verified the debt. In court they filed an affidavit that was prepared and signed on XXXX XXXX, XXXX. The affidavit calls me a " defendant '' 1 year and 3 months before I was sued. This type of affidavit ( bogus ) was penalized by the OCC. Bank of America and FIA Card Services paid XXXX XXXX after a Consent Order XXXX and XXXX dated XX/XX/XXXX. According to this Consent Order, BoA has violated few months later by doing exactly the same thing they promised not to repeat. The plaintiff has not filed any contract or terms and conditions with the case.

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 2019-10-02
Company: WINN LAW GROUP, APC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On XX/XX/XXXX Winn Law Group send me a letter on behalf of XXXX XXXX XXXX saying they are going to take action under the California las and the superior court if I dont pay the debt of {$840.00} they are going to pursue with litigation and I have to pay all the legal fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: Experian Information Solutions Inc.
State: OR
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:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-02
Company: Nu World Title, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
NU World Title of XXXX XXXX LLC ( XXXX ) XXXX financed my house about 4 years ago. The XXXX XXXX XXXX still have the previous owner name and they say there is missing documents and requirements that never were delivered by NU World Title company. Not only this is an inconvenience that it was financially covered during the purchased of my house, but I replaced the entire roof and now I can not get the final XXXX approval because the house is not on my name on the XXXX. Also, I am a veteran, XXXX, and I can not get my property tax discounts because the house is not on my name. I am concern now if I will sell the house that I will have also issues with that. After several months requesting support, they still delaying the process with no details of what is happening nor a resolution date. I am afraid there could be some illegal issues here around this process. Plus I believe VA loans have some requirements that I believe are not met due to this issue. I really need your help to solve this problem. 

Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have a home equity loan with Wells Fargo and they require that I send them proof of flood insurance since I 'm in a flood zone. I have faxed, mailed and tried to upload a copy of the policy onto their web site ( which does n't work ) and they continually tell me they did n't receive it and are charging me for flood insurance. I 've called repeatedly and other than tell me that they will " research '' the matter nothing gets done. In addition, when I asked them to tell me the name of the regulatory agencies that I can file a complaint with they refuse to provide me with this information. This is predatory behavior and should be illegal and punished!

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 2023-03-13
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'M SUBMITTING A COMPLAINT REGUARDING MY XXXX XXXX  ACCOUNT WITH RECENT LATE PAYMENTS REPORTING FOR XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX, AND I DON'T RECALL BEING LATE AND ACCORDING TO MY RESEARCH DEALING WITH LATE PAYMENTS AND BECAUSE OF XXXX XXXX AND THE HEROES ACT THIS HAVE NOT SHOULD BEEN REPORTED. 


I'M SUBMITTING A COMPLAINT REGUARDING MY XXXX XXXX XXXX ACCOUNT WITH RECENT LATE PAYMENTS REPORTING FOR XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX, AND I DONT RECALL BEING LATE AND ACCORDING TO MY RESEARCH DEALING WITH LATE PAYMENTS AND BECAUSE OF XXXX XXXX AND THE HEROES ACT THIS SHOULD HAVE NOT BEEN REPORTED.

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 2022-02-08
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: Information belongs to someone else

Complaint:
I received a copy of my credit report and found the following items to be in errors. The FCRA section 611 state if a consumer finds errors, inaccurate account or can not be verified on their credit report the credit reporting agency must remove the account.

Company response to consumer: Closed with explanation