BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-30
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
From XX/XX/XXXX to XX/XX/XXXX we had a temporary apartment in XXXX XXXX. I was there for XXXX and a month of XXXX XXXX. 

During the stay we set up a XXXX account for internet service. My wife made the call and the account was set up in her name. 

When we moved out in XX/XX/XXXX ( back to our home in XXXX XXXX, Ca ), we received instructions from XXXX where to return our equipment but did not receive a final bill. 

Unfortunately, we were not aware of an outstanding balance. With a short-term rental, we were required to pay upfront for services, so not receiving a final bill from XXXX did not set off any alarms. 

In early XXXX we received a notice from Diversified Consultants, we immediately called XXXX and paid the balance due of {$160.00}. Diversified Consultants posted on my wifes credit report on XX/XX/XXXX. 

Diversified will not remove this from the credit report and XXXX claims they can not help. 

We pay our bills and have perfect credit otherwise. Unfortunately, XXXX is a large company that has gotten away from personal interaction. And Diversified will not do anything to remove it from the credit report. 

We made an offer on a house that was accepted and were unaware of this on the credit report. This will cost us thousands of dollars in higher interest rates and a larger down payment to qualify for a conventional loan as opposed to a jumbo loan. 

XXXX had many ways to reach us by phone, email and home address. We left a forwarding address at the temporary apartment. We simply never received a bill. 

At this time XXXX claims they can not help. And that is in the rare occasion we reach someone there that knows what they are doing. 

Diversified refuses to remove the collection from the credit report. We paid the debt directly to XXXX as soon as we were aware of it and Diversified should never have been involved. 

Diversified Consultants , Inc . 
XXXX XXXX XXXX XXXX, FL XXXX General Inquiries ( XXXX ) XXXX XXXX No contact info available.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Lendmark Financial Services
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
On about the XX/XX/XXXX ( morning ) I called XXXX XXXX and asked for a {$3000.00} loan to pay a couple credit cards off. In the afternoon they called back and said my loan was approved. When I get there their associate has a check for {$4000.00} and I told him I had asked for {$3000.00}. He said " do n't worry about it, bring it back if you do n't need the extra XXXX ''. Quite enticing. When we began the loan procedure he marked my loan application with a higher yield for instance : my car was worth {$2000.00} ( XXXX XXXX XXXX ) with a couple dents on it, said I owned 2 flat hd screen TV 's ( I do n't ), put down I had a computer and a lap top ( I do n't ), he never received the pink slip to my car before he gave me the loan, ( he just seemed to be in a hurry to get my loan approved with or without a pink slip ) never once mentioned the interest on the loan and put a lien on my car before the first payment was due so I could n't even get my tags. I 've email their headquarters in Georgia and never once got a reply. I sent letters to the manager in XXXX, California and never got a reply. I received a letter ( it took almost to two months ) from the manager of L.F. in XXXX yesterday asking me to come in because I have n't send them a payment. I just feel this associate took advantage because my credit rating is getting better and it 's taking me a while to accomplish that and now this person is going to XXXX it up as it were. I 've never done this ( good experience ) before probably because I do n't like doing this to people but I also do n't like being taking advantage off. I 'm XXXX years old, I 'm a Veteran, and live alone please consider my complaint it would be highly appreciated. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX was contacted in XX/XX/2018 after trying to collect on a paid mortgage. My home sold on XX/XX/18. Spoke with XXXX who said they lost the check but did show the home was sold. She would track down the check. Contacted XXXX attorney The XXXX XXXX XXXX who represented them in their erroneous foreclosure filing to see if they could help since they know the foreclosure never happened. Exchanged emails with XXXX XXXX. Never got anywhere. I have now called XXXX 2 times holding over 30 minutes without anyone answering. I am on hold again now. My credit report still shows the mortgage due and $ XXXX in arrears. A title search of the property will show it paid and the condo no longer owned my me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-05
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2021 at approximately XXXX EST my coinbase.com account was compromised. The individual or individuals were able to transfer funds totaling approximately {$35000.00} to an unknown wallet.. 

I disabled my account at XXXX EST but the damage was already done. I have since sent several e-mails ( there is no live customer support line ) to try and get any additional information or resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: BOK FINANCIAL CORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XXXX, COMPLAINTANT has opened an account with " Bank of Oklahoma. '' From XXXX, SMS/Email notifications related to mobile banking have started to go through successfully. 
On XXXX, COMPLAINTANT 's online banking account was suddenly suspended. 
On XXXX, mailed debit card by XXXX was activated. 
On XXXX, representative claimed that the account looked suspicious and had to be closed. 
Representative went on to ask the COMPLAINTANT as to whether he knew what he was doing. COMPLAINTANT indicated that the representative shifted the reason for termination of account twice. From ( 1 ) account having added external accounts to ( 2 ) being outside of it service area. 
COMPLAINTANT wonders whether only the accounts having added no external accounts fit BoKF 's criteria of not being suspicious. BoKF can close anyone 's account for any reason, however in this case, it had to switch reasons around to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: Integrated Asset Recovery LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XX/XX/XXXX-XX/XX/XXXX PORTFOLIO RECOVERY ( not licensed in NC where I live ) have repeatedly called me, over and over for years, I requested them to not contact again- they use every number under the sun. They state I owe money which I have asked for documents, they will not provide, I have asked for proof, they will not provide- they continue to report 4 accounts on my credit files and these accounts are not proved to be mine. I am fed up

Company response to consumer: Untimely response
Consumer complaint received 2019-07-28
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Ten years ago when i graduated form XXXX school. i did applied for income repayment program but I was denied multiple times. They told me that I don't/did n't qualify for income based program, which is not true. for the past 10 years i worked at a XXXX organization and if they had qualified me 10 years ago my student loans would have been erased under Public Service Loan Forgiveness XX/XX/2019. But they ( salliemae/navient ) denied me and i would like ti sue them. 

XXXX XXXX, XXXX, XXXX email : XXXX phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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: Card was charged for something you did not purchase with the card

Complaint:
On XXXX XXXX XXXX I requested a balance transfer of {$14000.00} out one of my account to be transferred to a personal checking account with XXXX XXXX XXXX, after repeated calls to follow up on the status without any answers, I was informed today that the check was returned to Capital One and will take up to 2 billing cycles to be credited into my credit card account. XXXX XXXX informed me that it is very common for Capital One checks to be returned when transferring to a checking account, but can not explain why they must hold my money for up to more than 60 days before I can access it again. In the mean time, my credit score is taking a dent on the extra credit utilization and I 'll need to draw on my savings to make sure all expenditures and credit accounts are up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: TOYOTA MOTOR CREDIT CORPORATION
State: LA
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:
I am co-borrower on my daughter 's auto lease with Toyota Financial Services. My daughter was late on a payment. When I was contacted I made immediate payment to bring the account current. Toyota Financial Services reported to my record, a late payment. It is my understanding that as co-borrower, that if I am contacted and bring the account current, a late payment should not be reported to my credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
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 began a XXXX transfer of XXXX on XXXX XXXX. The account the money was sent from had processed the order by XXXX XXXX. 

Despite this my money has still not arrived in the XXXX/Coinbase account that it was sent to. 

I 've sent messages to them asking them to resolve the situation from the XXXX of XXXX but have received mostly automated messages. The one message that did not seem automated was one stating that a " at this time we have escalated your case to a specialist. '' That was on XXXX XXXX. I have not heard anything in response since despite sending multiple messages via email & XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Lockhart, Morris & Montgomery Inc.
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
The debt collector continues to call all my family members and harass them. They shared personal private information with family members and friends. I 'm embarrassed, and humiliated. Iv e asked XXXX repeatedly not to contact my family and she continues to do so. Iv e asked her to stop calling me and she continues to do so. I 'm unemployed and homeless. I live on the street. Please make it stop. I do n't know where else to turn. My name is XXXX XXXX XXXX. Email is XXXXXXXXXXXX and the debt collector number is XXXX ext XXXX. Thank you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I previously disputed this alleged debt with collection agency and CFPB, Claim # XXXX, and the collection agency agreed to delete negative reporting. XXXX XXXX XXXX is again attempting collection activity without proper verification, or any new documents verifying I am the debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX, I had to file bankruptcy and applied for a loan modification with Fay Servicing. After countless paperwork, I received a letter granting it, but it just put my past due amount in the rear, kept my 6 % interest rate, increasing my mortgage amount, which I was having trouble paying to begin with. I struggled but paid them. 

Hurricane Irma hit us in Florida and I had to use funds to make emergency repairs to my house. Due to the fact that I am in bankruptcy, I did not qualify for any relief they offered other custiers, ( ie two months relief ). they told me that I need to apply for another modification, which I did. In the meantime, I receive my insurance proceeds from XXXX to start repairing my house. I signed and mailed the checks over to them on XX/XX/XXXX, totaling {$35000.00} ( check # XXXX for {$2900.00} and # XXXX for {$32000.00} ). Fay servcing has yet to release one dollar back to me for repairs. I have done their paperwork, provided estimates, liability insurance from the contractors, but every time I call them for an update, I am still missing documents. 
I decided then to act as my own contractor to bypass all of the paperwork they need and, per their policy, will provide them proof of all expenses. I am still waiting for a response to my letter sent to them stating such on XX/XX/XXXX. 
They are also keeping a settlement check that I received from a lawsuit that I settle with XXXX  XXXX when they denied my claim for water damages in XX/XX/XXXX ( which is why I had to file bankruptcy for, I paid all of the repairs out of pocket ) ; check # XXXX, {$11000.00}, made payable to myself and XXXX XXXX, XXXX ). I could use that money to get my loan up to date in full since it is my own. I have told them countless time this was my intention. Still, no answer. 
I was contacted by my account manager on XX/XX/XXXX to advised me the loan modification that I applied for was denied, due to the fact that " I have exceeded the amount of request '', which is 2. I only had 1 modification in XX/XX/XXXX. He told me to appeal when I get the paperwork. I asked him of the status of my lost drafts, " I do not know, I will look into it ''. I have now mold in my house, and it is becoming inhabitable, but I have nowhere to go. I am a single mother, sole breadwiner and have XXXX dependents, my motehr and my XXXX year old daughter. I did not qualify for FEMA, since my insurance carrier is covering my claim. I truly believe Fay servicing is doing everything they can for me to lose my house. I can not get any answers from any account managers, can not communicate directly to their lost drafts department, nor speak to a manager. What Fay Servicing is doing is illegal and immoral. I have kept a line of communication with them throughout my entire ordeal, provided all information they have asked of me. I am please asking for help in trying to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Tower Loan of Mississippi, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I HAVE PAID THIS ACCOUNT IN FULL AND HAVE SUBMITTED ALL RECEIPTS, THIS IS STILL SHOWING A {$3500.00} BALANCE ON MY CREDIT REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
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 status incorrect

Complaint:
This account is being reported as a charge-off stating I never paid the balance. I paid this balance in full to the original creditor. I paid this account in full back in 2012. I have tried to dispute this with the credit bureau however they keep reporting this incorrectly.

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 2021-03-24
Company: Bread Financial Holdings, 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:
CFPB COMPLAINT Recently I was checking my credit and I found these accounts that don't belong to me. My personal information was a part of the XXXX XXXX XXXXXXXX in XXXX and I assume that is when my identity was stolen. These accounts are the result of identity theft. None of these fraudulent accounts are related to any of my legit transactions. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. 

These are the fraudulent accounts : XXXX  that opened last XX/XX/XXXX, XXXX XXXX that opened last XX/XX/XXXX, XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX OF XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX  opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX  opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, DXXXX XXXX XXXX  opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, and XXXX XXXX XXXX opened last XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: SYNCHRONY FINANCIAL
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:
I checked my XXXX  report and it listed this account reported by XXXX : SYNCB/WALMART DUAL CARD Account Number XXXX Amount Delinquent {$23.00} Payment Status Collection/Chargeoff I have NEVER had a Walmart card . I refuse to shop there. I boycott the store due to their unethical practices and treatment of employees. 

I have NEVER received any kind of statement or anything related to this. No call - usually I get an identity theft call. I never even knew this existed. I AM EXTREMELY UPSET AND DEMAND IT BE REMOVED FROM MY CREDIT 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 non-monetary relief
Consumer complaint received 2019-07-28
Company: EQUIFAX, INC.
State: LA
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 sent multiple request that accounts on my credit report be verified because these accounts were never opened by myself and aren't mine. Also, XXXX has several late payments posted which caused my score to drop 135 points and I have 100 % on time payment history and no accounts in bad standing. I HATE XXXX!!! Under the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify- through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I have repeatedly requested these documents on numerous occasions and were either ignored or sent a report that simply said " verified '' which does not suffice for verifiable proof through the XXXX system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

Fraudulent Inquires XXXX XXXX XXXX XX/XX/2022, XXXXXXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: EQUIFAX, INC.
State: PA
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:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm 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 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

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