BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-29
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I wired {$2000.00} on XX/XX/2018 to be deposited into my Coinbase account, but no funds ever showed up in my account. I have confirmed with the receiving bank that they credited Coinbase with my funds. I have emailed Coinbase multiple times in an attempt to resolve this issue, but they have never responded, and the funds have been unaccounted for for over 3 weeks at the point in time. I have asked the receiving bank to reverse the funds, but they have been unable to reach Coinbase for approval. I have also tied to reach Coinbase by telephone, but I only get a recorded message to contact them through XXXX, which is where I have been sending my previous messages. It seems to be effectively impossible to contact Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: ALLY FINANCIAL INC.
State: MT
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:
I recently reviewed my credit report and I observed that ALLY FINANCIAL are reporting late payments to all the major credit bureaus, XXXX, XXXX, & XXXX. This negative reporting has had a severe damage on my XXXX XXXX & credit worthiness. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I don't recall making late payments and I am requesting that ALLY FINANCIAL provide my physical proof that the alleged payments were in fact late as being 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 2020-10-11
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I had a promotional balance that was due to expire on XX/XX/20. I called Care Credit prior to the expiration date and asked if I could defer the promotional balance and the interest on the promotional balance and was told by a Care Credit representative they did not deal with the promotional balance and I would have to contact my provider to deal with the interest on the promotional balance. 
I thought this was strange so I had the Care Credit representative repeat that I would have to contact my provider. I contacted my provider ( XXXX  ). They stated they had never heard of this and they could not deal with the interest on the promotional balance. 
I then called Care Credit again. I again asked the representative if they could help me by deferring the promotional balance and interest due to financial hardship. At this time I was told they would forgive the interest if I paid the promotional balance prior to its expiration date. This is what they would do anyway as the interest would not be charged unless I did not pay the promotional balance. 
Afterwards, I discovered Covid 19 assistance on the Care Credit website stating they were offering assistance with Promotional balances as a result of Covid 19. ( see below ) I was never offered this assistance and I feel Care Credit has been misleading in not fully explaining the Promotional balance procedure and not offering Covid 19 assistance. 

Financial hardship? We may be able to help. 
If Coronavirus ( COVID-19 ) has affected your financial situation, please contact us to discuss ways we can help including : Fee adjustments Deferred payments Extending an existing credit card promotion Reevaluating your credit limits Contact us to discuss options

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 2019-01-04
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland Funding is reported on XXXX  and XXXX credit companies as a debt of {$1600.00} I do not owe. I have sent numerous letters via certifed mail requesting proof of my signature as well as who signed a contract for this debt. However, Midland Funding continues to fail to respond with proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX I paid in full for 11 accounts from XXXX XXXX XXXX for a total of {$2100.00} I disputed the collections and uploaded the same receipt im sending you. 2 of the accounts were deleted off my report but there are still 3 that are still on there and shows as a negative even though its completely paid off and closed. the dispute came back with accurate but still not removed. 

I also contacted XXXX XXXX XXXX about this and they said they don't do anything but report to the agencies they cant remove items that's up to the reporting agency. 

I'm trying to get my first mortgage so i'm trying to clean up my credit that is why i'm asking the credit bureaus to delete the info so that my score goes up. when i spoke to XXXX yesterday they said it has to stay on my report for 7 years which is not correct if 2 already came off. i'm trying to do the right thing here and need your help to get these removed from my reports any XXXX XXXX XXXX  on the reports.I don't see them on XXXX anymore so its just XXXX and transunion. 

On XX/XX/XXXX I paid in full {$170.00} for XXXX XXXX same as above still on report on XX/XX/XXXX i paid in full XXXX XXXX {$140.00} same as above paid, closed but not removed and lastly XXXX shows that I still owe for a car loan that was a judgement that was dismissed in court and i sent the court order and is still under collections and has not been removed or changed documents uploaded to show the accuracy. 

Thank You 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 2019-01-05
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was trying to purchase three clothing items off of a seller 's XXXX  ( XXXX ). I have messages back and forth confirming he will send out immediately with tracking. I paid through PayPal, and he blocked me on XXXX, will not respond to emails, never sent the items, and will not refund me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
This letter is to request you to remove inaccurate information from my credit report. 15  U.S.C. 1681e ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The inaccurate information you are currently reporting has affected my chances of getting loans and credit. I have already given notice to the creditors below to Cease and Desist reporting inaccurate information about me to any CRA. For your convenience, I have listed the inaccurate items below : Please delete the following inaccurate items. 
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, OH 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 2023-01-20
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
LVNV funding/Resurgent sent someone to my my house posing as the courts beating on my door I have them on camera and asking the neighbors if they knew me. This is harassment and scary. I filed a police report against the guy along with his tag number. You can not come to my place where I live and harass me over a bill I dont owe. I have a picture of the guy and a video recording. LVNV funding does not own this account and has know rights on harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: I.C. System, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX am a victim of identity theft the information listed in this email which appears on my credit report does not relate to any account that I have made or open it is the result of identity theft Please block this information from my credit report pursuant to section 605B of the fair credit reporting act and send the required notification to all furnishers of this information enclosing this email or screenshots of the fraudulent accounts a copy of my credit report I received the fraudulent items are as I said in the screenshots attached to this email a copy of my identity theft report and proof of my identity a copy of section 605B of the fair credit reporting act which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days Also attached to this email you will find a copy of my complaint with the cattle retreat commission you will find another complaint to Fbi IC3 crimes unit you would also find an affidavit from the IRS for identity theft you would also find a report from XXXX XXXX XXXX Police Department and you will also find a copy of my lease and you would also find a copy of I am doctors restrictions As you can see from the attachment in this email my Social Security number trays that I searched on XX/XX/XXXX it appears as someone is using my Social Security number located at XXXX XXXX XXXX, XXXX, CA XXXX and the aliens that they are using is XXXX XXXX Furthermore the information that XXXX  has put on my credit report was removed in XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX it is unfortunate that XXXX  has chosen to violate my rights and discriminate against me by expressing depraved deceptive and misleading business practices My hope is that we can resolve this issue quickly this XXXX of my identity has been going on for far too long years and if XXXX  is still not going to follow the laws and rules of the current consumer protection act then I will file my complaint with the United States justice department for discrimination with people XXXX as well as well consumer protection agency Im not sure why XXXX has chosen to re-open claims that or fraudulent accounts they were open on my XXXX XXXX report after I had already disputed it and it was removed XXXX re-opened it for whatever reason it was wrong and it was bad business practice furthermore at the time in XXXX XXXX I was XXXX and in and out of hospitals four weeks and months at a time I have also the hold a complaint with Nevada state attorney generals office in XX/XX/XXXX and I also have a pending complaint of assault with the XXXX XXXX XXXX Police Department dated XX/XX/XXXX as well

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 2019-01-05
Company: Recovery One, LLC
State: CO
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:
THIS IS A NEW COMPLAINT Recovery One collections  agency continues to fraudulently use my credit report as retaliation for my complaints with CFPB. On XX/XX/XXXX they responded that " We have been advised by the creditor to remove the account from collections. This will not affect the complainant 's credit. '' However, on XX/XX/XXXX, Recovery One in fact submitted a " New Collection '' on my credit report. They then responded on XX/XX/XXXX " We sent a notice to delete the trade line from consumers credit report today. '' As of today, XX/XX/XXXX, the item remains on my credit report. Using my credit report as a retaliatory response to my filing complaints with CFPB is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
Company: TD BANK US HOLDING COMPANY
State: FL
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:
To whom it may concern, I have been facing hardship for over the last two months due to fraudulent charges that were made using my TD bank Visa debit card, wiping my checking account clean. Fraudulent charges were made on my checking account totaling in {$2800.00}. 
The transactions were wire transfers using the company " XXXX XXXX ''. The transactions were {$300.00} on XX/XX/XXXX, {$990.00} and {$610.00} on XX/XX/XXXX, {$130.00}, {$94.00}, {$500.00} on XX/XX/XXXX. There was one more transaction for {$200.00} made on XX/XX/XXXX. This account was mostly used to make deposits in order to save up for housing and a vehicle. TD bank has not helped at all and I have not been able to speak with their fraud department. They have not done any investigating and basically told me to deal with the merchant myself. I have called the merchant and they have horrible customer service and have been no help.I have filed police reports and spoke to several supervisors with no resolution. 
I have never heard of the company XXXX XXXX  until I became a victim of fraud. I have never sent anyone a wire transfer in my entire life and these transactions can be proven as fraudulent, but TD bank has failed to do a proper investigation. Representatives at boss revolution have told me that there were phone calls made using my identity as well as an ID that was required when making these transactions. I would like a proper investigation to prove to TD bank that these transactions were fraudulent so that I can get my life back to normal. I worked very hard to save that amount to have it stolen and my bank has been absolutely no help. I have not been able to speak to anyone and they have done a terrible job at assisting me. I have never had such an experience with any company in my life. 
Please reach me at XXXX or my email XXXX Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Experian Information Solutions Inc.
State: NY
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 was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX   XXXX XXXX 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 2019-01-05
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, I never received any written notification that I had a collector debt from US Collections West from a Property called XXXX XXXX XXXX. I did not find out I had a debt until I checked my credit report. I have called this company and spoke to a collector that handled my case to request documents that show proof this is indeed a debt of mine. This person stated he would and has never sent me anything. I have even provided an updated address. I waited called again several times with no success. I have called and left multiple messages as well. Proper letters have been mailed to this company as well which have now gone over 60 days with no letter responses or calls. First call was made on XX/XX/2018, two calls to US Collections West was made back on XX/XX/2018 and then again on XX/XX/2018 requesting proof that this is indeed a debt owed to myself. They are currently stating I owe about {$3600.00} in which that was the amount written off to them from the property per a lease agreement, however they are refusing to send me the documents that shows me this proof. I do not agree with this debt, I do not believe I owe this debt.

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 2019-01-05
Company: EQUIFAX, INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted equifax regarding false information that has been reported to my credit report, i also reported the issue to the Cfpb, and it had been bought to my attention that it was reported regarindg my address and phone calls that were made stating they were me, i have ask for photo copies, and information. XXXX has the wrong information, your company stated they spoke to me and had my address, I live at XXXX XXXX XXXX, and not XXXX XXXX. i had not received. ive ask for information even regarding your investigation. I would like this to be removed off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
Company: Harris & Harris, Ltd.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Im willing to pay {$1800.00} to Harris & Harris the collection company has refused to except my payment of {$1800.00} as paid in full regarding account number # XXXX. Its my understanding that the original debt with XXXX XXXX that the account has been sold to the collection company Harris & Harris which gives the collection company full authority to except my payment as payment in full. I spoke to Harris & Harris the collection company this week and was told they could not settle the account that XXXX XXXX wouldn't allow then and that i needed to contact XXXX XXXX. So i contacted XXXX XXXX in XXXX XXXX Nv and spoke to XXXX in billing and he told me that he would get ahold of suppervisor XXXX and see if he could except my {$1800.00} AS A PAYMENT IN FULL. I called back and was informed that XXXX XXXX could take payment as Harris & Harris had full authority over my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: LD Holdings Group, LLC
State: SC
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:
LoanDepot.com has placed hard inquiries on my credit every few days. I did NOT take out a loan from them, however they keep driving my credit into the ground with their inquiries. I did not request these inquiries. I have called and spoke to several people there and emailed them, and all of these people say they can not help me because I did not take out a loan. They will not stop these inquiries. They are predatory and I am a victim of their practices. 

Dates : LOANDEPOT COM LLC via XXXX Requested On : Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
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:
XXXX Applied for a {$20000.00} vehicle loan and between XX/XX/XXXX and XX/XX/XXXX I had to document and explain an negative credit on my credit report. 
XXXX-Reviewed credit report and found that my ex husband had completed and signed a loan modification on an existing mortgage. This loan modification was with a new vendor, new payment amount and new payment terms. I had not been notified or signed or agreed to this contract. 
XXXX I called the vendor and obtained the account number and requested documentation that was signed on the closing of this modification. I was told that there was a signature page with my signature and it had been notarized. I requested those documents because I had not signed any such documents. 
XXXX After 4 phone call attempts and a whole day wasted, I finally received those documents which I will attach to this complaint. After receiving the documents, I noticed that the signature page that was mentioned was not the signature page of the loan modification agreement. It was the signature page from my divorce property distribution order that happened almost 1 year earlier to the date of the modification. 
XXXX-I called the vendor and talked to multiple people trying to make them see that, that was not the appropriate signature page and that my signature never shows up on the contract. Which means I did not agree to that agreement and that they were missing the court order stating that any changes to the original mortgage was be modified to remove my name and be in my ex husbands name alone. The last conversation was ended with a lady going to investigate and call me back. Now 2 weeks later I have received no such call. So I sent a copy of these documents to my lawyer. 
XXXX Community Loan Services or Bayview Amount roughly {$95000.00} where the original mortgage was down to roughly {$84000.00}

Company response to consumer: Closed with explanation