BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-25
Company: Paramount GR Holdings, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Goodleap has failed to provide periodic billing statements in which an electronic fund transfer have occurred. I receive automated billing notices around the XXXX of each month that payment is due on the XXXX of the following month ; however, Goodleap continues to ignore its requirements in 12 CFR 1005.9 ( b ).

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: South Mississippi Collection Services Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XX/XX/2021, i sent South Mississippi Collection Service Inc letters regarding the alleged debts of {$150.00} and XXXX that i don't owe. i didn't get any respond from them which is a violation, so i sent them another letter on XX/XX/2021 asking for the validity of the alleged debts, in which i haven't received anything from them. i am asking for these inaccurate tradelines be deleted from my credit report because its damaging my credit and causing me great stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Between XX/XX/XXXX and XX/XX/2018 there were 7 different inquiries that posted to my credit report that I did not authorize. I sent letters to each company for an explanation and have not received any correspondence as of yet.

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 2020-06-27
Company: Experian Information Solutions 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:
The accounts listed are unknown to me. My information was stolen and I have been complaining for years. SEND ME PROOF OF MY SIGNATURE WITH THESE ACCOUNTS SO I CAN SUBMIT IT AS EVIDENCE OF FRAUD. REMOVE THESE IMMEDIATELY!! 

XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$1200.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$470.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX - XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$1800.00} XXXX XXXX XXXX  Opened DateXX/XX/XXXXBalance {$0.00} XXXX XXXX Opened Date XX/XX/XXXXBalance {$0.00} XXXX Opened Date XX/XX/XXXX Balance {$0.00} Bankruptcy Discharged CH-XXXX Reference Number XXXX Amount {$0.00} Bankruptcy Reference Number XXXX Amount {$0.00}

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 2018-01-31
Company: Halsted Financial Services, LLC.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Below is a log of phone calls I've received from Halsted Financial Services LLC of XXXX, IL. Plus two calls I made in return, yesterday and today. Many of these calls made to me resulted in brief voice mail recordings. No message was left, only the sound of a phone center " boiler room '' operation. Every recording sounded alike. I believe that they are being made from a single location, using various spoofed/forged phone numbers. 
XX/XX/XXXX : XXXX SEVEN CALLS XX/XX/XXXX XXXX SEVEN CALLS XXXX TWO CALLS XX/XX/XXXX XXXX THREE CALLS XX/XX/XXXX XXXX XX/XX/XXXX XXXX TWO CALLS XX/XX/XXXX XXXX THREE CALLS XX/XX/XXXX XXXX TWO CALLS XX/XX/XXXX XXXX XXXX TWO CALLS XX/XX/XXXX XXXX THREE CALLS ; called back once, spoke to unnamed person, told them to stop calling, told me number would be removed. 
XX/XX/XXXX XXXX Caller with accent demanded to speak to XXXX ( unintelligible, perhaps XXXX : I got numerous bill collector calls for him at my previous number! Which was not forwarded to my current number! ) I asked him what company he was with. Refused to tell me, Argument ensued. He hung up. 
I phoned number back, asked to speak to a manager. A person with a heavy XXXX XXXX ( XXXX, XXXX? ) accent came on, identified himself as " XXXX XXXX. '' I told him that he was giving me a fake name. He did not deny that but refused to identify himself. He did tell me that his firm is Halsted Financial Services of XXXX, IL. I told him that I've received numerous calls from various area codes, which I said are forged phone numbers. He claimed that there is a call center for each one. He said that it would take 24-48 hours for calls from the company to stop. I demanded that the calls from Halsted stop immediately. I was given no firm committment to that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: Westlake Services, LLC
State: TX
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:
On Saturday, XX/XX/2021 I purchased a preowned car and put down {$3.00} grand. The dealership worked with XXXX XXXX to get my account and running and the first payment of {$220.00} was to be made on XX/XX/XXXX. 

Now, when looking at the car, the engine light was on and the salesman said they would get that taken care of. I wasn't aware of the major mechanical issues it had. After taking it to XXXX the next day the car overheated and was smoking. The car ended up having a major gas valve leak. I tried taking it to shops to get it fixed but they said the car was unfixable because the previous owner didn't take care of it. 

I let the dealership know and they worked with me to get a trade-in on XX/XX/2021. That day I mentioned to them that the other car was still on the bank and they told me and my parents to not worry about or take the bank calls because they will pay off the car. 

Two months and they still have not paid. They are even trying to resell the car. And my father has been dealing with them this whole time to get them to pay for the car. On XX/XX/XXXX my father went to figure out what's going on and that day the finance worker made a check to pay for the car. 

The bank called me again on XX/XX/XXXX, I told them the same situation and let them know that the dealership sent a check to them. The worker told me he'll leave a note. 

Fast forward to Monday, XX/XX/XXXX. Bank called again they told me they have not received any check. And this time they told me if I don't pay anything they will have the credit bureau on my credit account. 

Now, I've been in contact with the bank and told them the situation and they keep telling me I still need to pay the amount. They call me at least 6 times a day. They don't ask where the car is or anything. They know I got a trade-in and that the other car is no good. It's considered a " Lemon Car '' so I'm surprised they're not trying to find where the car is or anything since technically that bank owns it. 

I'm also going to file a complaint against the dealership. I was advised by the Consumer Financial Protection Bureau that it's best to file the complaint against the dealership with the Federal Trade Commission.

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 2018-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On Friday, XX/XX/2018 I was contacted by an individual claiming to be from Bank of America. She said here name was XXXX and the number she called from is XXXX. She said she was calling in regards to my home equity line of credit. I do not have any accounts with Bank of America nor have I applied for a home equity line of credit from Bank of America. She asked for personal information to confirm my identity. I did not give her any and hung up. I contacted Bank of America to inquire about any activity under my name and they said they did not have any.

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 2021-01-20
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Coinbase account has been restricted from adding withdrawal method. 
Have raised 3 tickets on this - XX/XX/2021, XX/XX/2021 and XX/XX/2021 with screenshots. 
No response from customer service so far. 

I have not been able to withdraw my funds and due to the volatility of the market, I have already lost money on the paper profits.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: FEDChex Recovery, LLC
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:
Continue to receive robocalls and automated calls stating I owe a debt and its not true or mine, when I had my attorney call ( previously had an issue with Bankruptcy ) they refused to give any information and said someone would be contacting him back, as of this writing no one has called back, my attorney followed up and still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: Experian Information Solutions Inc.
State: OR
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:
Last week I became the agent for power of attorney for my elderly aunt. She was the victim of mail fraud in the distant past. I would like to see her current credit report to make sure the information is correct and ultimately freeze her credit, because she no longer needs it and I wish to protect her from identity thieves. 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 2022-01-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian has marked my account XXXX XXXX for 2 late payments one in XXXX and one in XXXX. However, payments were made to the creditor as well as a financial hardship statement due to Covid-19. According to the FCRA, late payments can not be reported during a disaster in this case Covid-19. I am in the process of obtaining the XXXX loan as my business was affected by Covid-19 however the 2 inaccurate late payments reported on my consumer report has brought my credit score below the minimum score set my the XXXX. This will have a dramatic impact on my loan approval. Because the late payments on my consumer report is inaccurate unverified, I request that they be removed from my consumer report immediately!

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 2018-11-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
I was approved for a {$11000.00} personal loan with Citizens Bank. I signed all documents to receive the funds and when they did the final review, denied me and explained the reason is because they werent able to verify certain information, when I did verify all information. They're not giving me the exact reason why Im being denied and this is not fair after Ive done everything required to receive the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: LD Holdings Group, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, Loan Depot funded a new, cash out refinance loan On XX/XX/XXXXXXXX XXXX I made a payment on my new mortgage. This is reflected in the PDF titled " XXXXXXXX XXXX '' Some time after that payment, my loan number changed. I do not know when that happened. 

Now, the loan is not showing any payment made and says a payment due in a few days. Please see the PDF titled " Monthly Statement ''. 

I contacted Loan Depot. In a chat window, the support person claimed my previous loan number belonged to someone else. The Agent said he/she did not have access to a phone or email, so I could not send them the PDF file showing my payment.

The Agent ended the 45 minute chat by saying a supervisor would call me later. Given the very poor customer service and missing documentation during the loan process, I do not believe this will happen. For example, they never gave me an updated loan disclosure document I need my account to be credited as having made the payment on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: WAKEFIELD & ASSOCIATES, INC.
State: MS
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 submitted a dispute with XXXX  on 2 different occasions about an account that is list in my credit report twice. Each time they have done their investigation they have said both accounts are correct. This last report they sent me after my dispute I saved. It clearly shows that the 2 accounts are duplicates. They even list the exact same account number. I have also disputed the fact that the collection agency is charging interest on the account and I have been informed that a collection may not charge interest on an account that wasnt part of the original contract but this company is trying to charge interest on the account. I dont know what this collection is or when I supposedly owe this or for what but I can see that it is a medical collection and so Im guessing it is an old hospital bill. All the times I have been to the hospital nowhere have I seen it state anything about being charged interest. Both XXXX and Wakefield and associates have clearly violated the fair credit reporting act. XXXX by not performing a real investigation into this account and Wakefield and associates by reporting false and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These are fraudulent inquires on my credit report please remove them.XXXX XXXX XXXX XXXX XXXX, XXXX - Auto Finance, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter at my home address in XX/XX/XXXX from a collection agency XXXX XXXX XXXX that had my last name and a different first name. The letter referenced a Best Buy debt that was not mine. I contacted Best Buy to ask about the debt. They said that the debt was not mine but they would not provide any details about the person whose name was on their account. They told me to call Citibank who handled their credit accounts. 
I contacted Citibank. They had no record of the debt and they had no record of an account in my name. 
Since XX/XX/XXXX I have been receiving collection letters on this debt. Neither Best Buy, Citibank or XXXX XXXX XXXX will provide any information about the debt even though they all say that the debt is not mine. I have sent letters, faxes and had multiple phone conversations, none of which has resolved the problem. 
The problems : 1. I am receiving collection letters to my address with a name that has my last name and a different first name. 
2. This is not my debt. 
3. No one from Best Buy or Citibank will provide information nor will they turn it over to their fraud department for investigation because they say that the debt was sold to XXXX XXXX XXXX. 
4. XXXX XXXX XXXX says that they either can't provide information about the debt because a ) it's not me on the account or b ) because they bought the debt and have no details about what it is that was on the Best Buy purchase. They can't even give me the date of the purchase.

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 2018-01-31
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I turned a XXXX XXXX XXXX in early ( 6 months prior to end of term)XXXX XXXX XXXX instructed me to bring the car to a dealer and I would be billed. Under CA law I was told I would be liable for the remaining payments, disposition fee and wear and tear. I turned the car into a local dealer on XX/XX/XXXX. IN XX/XX/XXXX I  recieved a bill for $XXXX with a due date of XX/XX/XXXX. IN XXXX XXXX said I could have an additional 30 days to make the payment if I wantedIn XX/XX/XXXX I made the payment to XXXX in full. Several days after the payment was made I I received a credit alert that my score had dropped, and the culprit was a "late payment" reported by XXXX for XX/XX/XXXX. The XX/XX/XXXX payment wasnt made because the car was turned in and my instx from XXXX   were to wait for a final bill. disputed the late payment with all 3 bureaus and the result was that XXXX   removed the XX/XX/XXXX late payment and changed it to an XX/XX/XXXX late payment. I have not been able to resolve this with XXXX and after disputing with experian all I got was a chnage of a late payment from XX/XX/XXXX toXX/XX/XXXX. I have never missed a payment in my life and on my report it is the only late payment out of a total of over XXXX reported payments. At this point I dont know what to do and I understand this inaccurate blemish will stay with me for 7 years

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 2019-05-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This has been a identity theft issue

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-13
Company: WELLS FARGO & COMPANY
State: NY
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:
Wells Fargo card service furnished bad debt on my consumer report which is ruining my reputation and is a violation of 15 usc 1692d ( 1 )

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 2020-04-27
Company: Midwest Recovery Systems
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received an YET ANOTHER alert today on my XXXX  account about a payday loan from XXXX and it's now XXXX. I filed a identify theft report when I found out in XXXX and it was removed and now 7 years later they are doing it again. I called directly to MidWest Recovery and was placed on hold several times and when I did get someone he was rude and acted as if he was doing me a favor. The practice of reporting old debts especially ones obtained falsely puts enough difficulty on the consumer on TOP of getting it rectified. There is no reason for these poor business practices and horrible service. I keep files of everything and I shouldn't HAVE TO when I did what I was supposed to years ago. MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXXI called that # several times and the the manager by the name of XXXX had the audacity to lie to me and say they are ALLOWED TO CHANGED the date of the collection and it doesn't change anything. It is ILLEGAL to report a old debt as new UNDER ANY CIRCUMSTANCES. It clearly says opened XX/XX/XXXX. This debt would have been removed yet again due to 7 year mark alone! I have complained SEVERAL TIMES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, 50 days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 50 days gives a reason to immediately remove those items from my credit report. It has been over 50 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation