BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-12
Company: Experian Information Solutions Inc.
State: TX
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:
I, a consumer and natural person, was denied credit by XXXX when I applied for Reference Number XXXX. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is subject to civil liability under 15 U.S.C 1692k. You are subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by XXXX due to the response I received. XXXX is in violation of 15 U.S.C 1642, U.S.C 1681m and 12 CFR 1002 because I the consumer made an application in good faith, but credit WAS NOT issued. Also my social security number ( credit card ) was used and I received NO benefit. This constitutes fraudulent activity ( unauthorized use of credit card ) on behalf of XXXX according to law.

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 2020-10-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have ask the for itemization of record from these creditors XXXX XXXX XXXX, XXXX XXXX and Portfolio they have yet reply to my request. Can you please ask them to do so. I should not have to be filing this complaint against them if they would just do their work ask of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
freedom mortgage purchased my loan from my previous loan servicer, in XXXX with out my consent. Due to the high interest I am paying, I tried to refinance with freedom mortgage to lower my payment in XX/XX/XXXX. After all required documents were collected, the loan officer I worked with know by the name XXXX told me the higher interest rate than what was printed on their website that day and I did not proceed. In XXXX of XXXX I tried to refinance my mortgage with different bank. By the time I was about close, I was overwhelmed by mails and phone calls from freedom mortgage asking me if I refinance with them, they will match or bit ant interest from any other financial institution and I do not have to pay mortgage origination fee and pay little no closing costs. To take the advantages of offers, I started the process of refinancing with freedom mortgage in the beginning of XXXX. Back then I was told the process will take the maximum of 6 weeks. By believing in them I submitted first round of all required documents to them. Then after, I was overwhelmed by calls and emails from a minimum of 11 people pretending to be all are from freedom mortgage. I submitted all requested documents. After they received whatever they requested for, almost none of them replied to my calls or emails. Now I am in my 8th week since I started the process. While I understand the effects of code 19 pandemic, I consider the process is unfair and discriminatory and most of the people who are involved looked either my coworkers or my neighbors. Is this fair business practice? 
the people involved are 1, XXXX XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX 5 ) XXXX XXXX 6 ) XXXX XXXX 7 ) XXXX XXXX 8 ) XXXX XXXX 9 ) 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 2017-12-19
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I wired via XXXX XXXX euros to Coinbase on the XX/XX/XXXX17 from XXXX All account details were correct. I have now sent Coinbase 4 messages to either have the fund created my coinbase account and more latterly to have them returned to XXXX. I have not recieved a response from Coinbase. Funds are usual created within 3 days - this transaction has now taken 8 days. I would very appreciate your help to have the funds returned to XXXX as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
THERE IS A FRAUDULENT ACCOUNT ON MY CREDIT REPORT FROM HYUNDAI MOTOR FINANCE. PARTIAL ACCOUNT # XXXX OPEN DATE XX/XX/2015. THIS ACCOUNT WAS OPENED WITHOUT MU CONSENT. I HAVE COMPLETED AN IDENTITY THEFT REPORT, BEEN DISPUTING THIS WITH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: Experian Information Solutions Inc.
State: PA
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:
Credit Bureau has not adjusted my account with XXXX XXXX as paid and current and there is no balance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-17
Company: TRUIST FINANCIAL CORPORATION
State: HI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
A loan was taken on a vehicle and I have paid well over 100 % in fees ( apr and additional cost ) vs the price of the vehicle. I am in the military and it seems there is no protection from this predatory loaner

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 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are alleged accounts and bankruptcy showing on my credit report that I don not recognize Pursuant FCRA 623 I am demanding that they be removed.

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 2017-08-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX credit card is reporting that I was 30 days late as of XXXX 2017, but I have a statement from XXXX doesnt show that

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-25
Company: OneMain Finance Corporation
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with ONEMAIN. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, and XXXX   and ONEMAIN with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Was victim of a scam with a fraudulent account. I payed for the service and never got the answer. Payment made with XXXX/zelle and when called to cancel was not open. Later was told they couldnt cancel cause it was already too late and transaction was complete. Fake account with trusted bank and still not able to get a refund or ask for a claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I was paying out of State tuition in which i was in school with a double major for six years in which i became a permeant resident of the state if Tennessee in two years. I asked why I was still being charged for our of State tuition and they could n't give me an answer. I owe XXXX dollars that I ca n't pay back. I also was not contacted about the settlement or deadline. Is there a way to see if I still qualify?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed an collection account with XXXX  2 months ago for an account that is not mines and they failed to investigate and delete.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole  responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2019-10-17
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: 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 explanation
Consumer complaint received 2017-12-19
Company: Ceannate
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX processed my payment incorrrectly and gave me miss leading information. Did not have the answers to my question. When i asked when my next due day was i was given wrong information. Which lead me to over pay and stay in default longer than necessary. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: Experian Information Solutions Inc.
State: VA
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:
Contacted Experian about their " XXXX  '' product. They have incorrect/inaccurate information in my XXXX file. When I called ( many, many times!! ), they did not know how to fix my problem, which led to them shutting down my phone and SS # when I tried to call back. I think Experian may have become too big as their FICO scoring model is what the lending industry uses almost exclusively to assign lending rates to the US consumer. I could go on about how all 3 credit reporting companies like to quickly drop you scores, but take exceptionally longer to return your score to a higher number. Since the 3 main reporting companies are federally regulated, the US consumer doesn't have an advocate to fight these issues. Suggestions??

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 2021-11-01
Company: JPMORGAN CHASE & CO.
State: CO
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:
On XX/XX/XXXX, I was charged {$250.00} for an excursion ( scheduled for XX/XX/XXXX ). The excursion was not delivered as agreed ( large group vs promised private tour, places to visit different than what agreed, drinks not included as promised ). The merchant did not offer any compensation or refund. I called Chase Disputes on XX/XX/XXXX, and the agent refused to even open the dispute investigation stating my motivation does not qualify for a dispute. However, the FTC Consumer page states how " charges for goods and services that weren't delivered as agreed '' is a valid reasons for opening disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened up bank account with US Bank in approximately XX/XX/2020. The opening deposit was approximately $ XXXX. Over a few weeks, several thousands of my own cash was deposited. 

The account was closed due to high risk and questionable activity. In approx XX/XX/2020, I was scammed by several people, in which they requested goods and XXXX 'd me money. The goods were provided and they disputed the transaction with the excuse that my business was either fraudulent or that their XXXX account was hacked. 

To be clear, the " goods '' received were not illegal. No goods are shipped or released without proof of a completed status shown in the XXXX screenshot. We match the confirmation number in the screenshot with the confirmation number or our end. I have copies of every transaction along with screenshots proving they requested the goods and what specifically the " goods '' were. However, US Bank never requested copies of these documents. No fair investigation was preformed. They just froze the account for several months, refunded disputed XXXX to customers, and eventually closed the account. At the time of closing, after all refunded XXXX I had over {$34000.00}. No funds have been released and it's going on 6 months.

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 2020-07-25
Company: Summit Financial Corp.
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
In XX/XX/2016 and XX/XX/2016, a representative for Summit Financial contacted my job and informed my subordinate XXXX XXXX XXXX that they were looking for me and that I was past due on my car note with the company. 
The company continued to call my place of employment disclosing information to my assistant, who was not listed as a reference on my account nor did I provide them with the contact information, nor did I authorize them to contact me at that job. 
The information was then relayed to my supervisor and negatively impacted my employment with the company.

Company response to consumer: Untimely response
Consumer complaint received 2020-07-25
Company: OneMain Finance 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: Their investigation did not fix an error on your report

Complaint:
I have contacted Springleaf financial who is now OneMain financial regarding removing a 30 day late in XX/XX/2014 ( their error ). I did not receive mail for several month regarding this loan around the time of the late. I have reached out to them several times regarding removing this 30 day and they continuously do not respond to my attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian continue to report false information on my report - I have been trying to work with Experian for weeks now and have exhausted all options trying to resolve this matter. PLEASE HELP 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 2020-11-17
Company: Commonwealth Financial Systems, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I noticed that a collection had been added to my credit report. It's for an emergency room visit on XX/XX/XXXX. I never received a bill from the hospital or noticed that I had a delinquent bill at all. After contacting the collection agency, Commonwealth financial ( XXXX XXXX XXXX XXXX, PA XXXX ) XXXX, requesting information on the account 's validity, I was told that multiple letters were mailed to me already. I never received a letter, phone call, or email from this company, so I filed a dispute through XXXX  on XX/XX/XXXX. XXXX  came to the conclusion the account was indeed valid. I contacted the collection agency once more to see what I could do to take care of it. I was told to either pay the full amount of {$760.00} or settle the debt for {$500.00}. I let it be known that it would be impossible to pay either amount for the simple fact that I lost my XXXX XXXX due to the Covid 19 pandemic and that I had already been waiting for weeks to receive unemployment. Then the customer representative hung up on me. Months go by ; now it's XX/XX/XXXX, 4 years and eleven months exactly since the emergency room visit. I find an app for XXXX XXXX Hospital, where the er visit took place in XXXX, TN. I was able to find my medical records from XX/XX/XXXX. Yes, I apparently was there, but that's all the provided informationno reason for the visit, not treatment, no medication, nothing. I was able to find the Doctor, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, or XXXX XXXX XXXX XXXX, I believe, are companies involved. They may even be the same. I mean, they have the same address. I looked him up, and I see that his office is permanently closed. I also see alarming reviews about him scamming patients by charging their bills within 90 days and not giving them the chance to dispute or even try to pay it. He sends them straight to collections, which seem to be scam companies. I didn't know what else to do so I decided to file a complaint. Please help in any way you can. Thank you so much for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a number of inquiries that do not apply to me on my Credit Report. I reached out to all 3 Credit Bureaus with a formal letter on XX/XX/2020 and I have not received any correspondence since then about the inquiries. I also sent a letter asking them to respond as they have 30 days to do so. I have a copy of the letters I sent on XX/XX/2020.

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 2017-09-18
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I tried to place a freeze on my Equifax credit report and it is already frozen. 
Hacker with my info froze my report and now are the only ones that can unfreeze it with 10 digit number. 
They can unfreeze for a day, buy a boat and refreeze it. 
I no longer have any control over my credit.

Company response to consumer: Closed with explanation