BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-10
Company: Merchants' Credit Guide Company
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX, I disputed the collection account placed on my credit report, by Merchants Credit Guide, with XXXX. The debt is for {$400.00} dollars in unpaid medical bills from XXXX XXXX XXXX. The account was placed on my report as a collection in XX/XX/XXXX. XXXX   investigated the dispute by contacting the company seeking to collect the debt. On XX/XX/XXXX, XXXX updated my dispute finding that the debt of {$400.00} was verified as accurate by Merchant Credit Guide. Around the same time, early XX/XX/XXXX, I called Merchant Credit Guide to remove this collection from report. They have not done so. 

This is my third or fourth attempt to have this account removed from my credit report. Through a dispute, approximately two years prior, Merchant Credit Guide removed three other collection accounts from credit report. Merchant Credit Guide was attempting to collect medical debt from XXXX XXXX XXXX as well. 

My father died on XX/XX/XXXX, while in XXXX care at a facility likely attended to by XXXX XXXX XXXX. This is most likely his debt. He is junior and I am the third. They have likely imputed his debt to my credit report. I have never been seen by a physician at XXXX XXXX XXXX. For starters, I am XXXX years old and do not require the services of a physician with a specialty in XXXX. Furthermore, I live in XXXX XXXX, MO and my primary care physician is with XXXX XXXX XXXX. This is not my debt and I will not stand by while Merchants Credit Guide and XXXX do nothing to rectify this situation.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-26
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XXXX-19 XXXX XXXX XXXX is what the customer service number appears to be ... they answer as XXXX XXXX however this number is a scam or fraudulent ... they are advertising {$100.00} to be spent at any major retailer ... for just {$4.00} The correct XXXX XXXX number is XXXX ... the above number needs shut down ... I have closed my credit card and spoke with XXXX XXXX   and made a complaint with their department 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 2022-02-11
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising

Complaint:
I leased a new vehicle at the dealership XXXX XXXX XXXX XXXX XXXX. When I went into the finance office, the finance manageXXXX, XXXX XXXX, gave me a signature pad and told me I will be signing all my documents electronically, but he never gave me a screen or XXXX to see the actual documents. He told me that his computer system can not generate a contract until after I sign everything. He said he would summarize what I was signing, but I was unable to see anything I signed. We got to the part of the transaction where he asked if I wanted any service plan, I said no because it is a new vehicle being leased for 36 months and it will be fully under warranty for the whole lease. He said he had a great deal for me on this service plan, its only going to be {$3.00} per month. I asked him to clarify my base payment and what it would be with the service plan. He said my base payment will be {$530.00} and that with the service plan it will be {$540.00}. I asked him what the cash value of this service plan is because I know they are usually in the thousands. He said it was {$1500.00}. I told him that it didnt make sense that I would pay {$3.00} per month for 36 months and in return I get a service plan with a {$1600.00} value. I asked him how this was possible. He said XXXX is giving you an incentive for this service plan because they want to certify your vehicle when you return it at the lend of your lease. I replied Sir, you mean to tell me for {$3.00} per month, I can walk out of here and the next day I can cancel this plan and I get {$1600.00}? Thats like free money. He agreed with me and said Yes, I dont know why more people dont do it! I asked him if he was absolutely sure and I asked if he was messing with my rate at all to make the payments look this way, he said no, that would be unethical. I asked him one final time if he was sure, he said yes. So I agreed to it. The next day I was still uneasy about it so I called my local XXXX dealership to help me find out how much this service plan is actually costing me per month. They said that, according to my contract, the monthly price of that service plan is about {$49.00}, not {$3.00}. I asked them about incentives from XXXX about service plans, and they said that wasnt true either. I called Toyota financial services to be absolutely sure that I was lied to. They confirmed that what he told me was not at all truthful : There is no incentive from XXXX to buy that service plan, its not even an official XXXX product, and that XXXX certification process has nothing to do with service plans. I have the finance manager RECORDED saying all this to me as evidence of his fraud. After trying to resolve it with the dealership, they seem to think they did nothing wrong. Ive been researching this matter ever since. I believe the finance manager engaged in fraud, payment packing, and coercive tied selling.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I spoke with a representative from AMSHER collection agency they violated the state laws about the call being monitored or recorded when two new people came on the line and they provided wrong information in regards to the account when I was given information from the original creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Genesis FS Card Services, 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: Problem with personal statement of dispute

Complaint:
I have exceptional payment history on all my accounts. During covid 19 various creditors closed my accounts with out my knowledge and issued charge backs on accounts with XXXX balances and all accounts have exceptional payment history. This has caused my credit that I have worked so hard for to drop substantially. I have paid off every card infull and on time. XXXX XXXX has issued charge backs after I paid in full. Other creditors closed my account with notifying me and continually and fraudulently issued false late payments. This all happened during the pandemic and i am beyond frustrated because I have paid them all in full. Please help I will take this to the highest court I needed because this is un-American and more so very fraudulent practices. To prey on families that have paid and fulfilled with exceptional credit only to be penalized by false claims. Please advise. I will not allow my hard work and dedication to go down the tube for fraudulent businesses. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been forwarded from XXXX to Navient for my loan service and it seems the information was transferred incorrectly. They have it noted that I am to pay loans ( XXXX ) for XXXX XXXX XXXX  XXXX back which was taken out on X/XX/2007. The issue is, I did not attend XXXX in 2007. I  was attending XXXX XXXX University. They have it incorrectly listed ( which leads me to wonder what else is wrong ) but I called them to have it fixed before I started paying on the loans. I spoke with someone and was forwarded to a hold where it said I had a minute wait. After waiting 20 minutes on hold, I finally hung up and called again. After explaining the situation and possible resolution to the lady I spoke with multiple times, she said to hold for her supervisor, then came back on the line and hung up on me. I just need this resolved and have been working way to hard to fix this and they 've made it nearly impossible to work with. I have spent the greater half of my work morning on this. They have no email address to contact if there 's an issue and it seems like they always have a " poor connection '' via phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: Coinbase, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Hello - This complaint is in reference to my account with Coinbase. I have several thousand dollars invested in Bitcoin ( BTC ) via Coinbase. I bought in several months ago, and have done well. 

I attempted to sell off my Bitcoin on XX/XX/XXXX ( at its height, approximately $ XXXX/BTC ).  However, I was prevented from doing so, due to Coinbases horrendous 'identity verification ' system. 

When I try to sell anything over {$5000.00} worth of BTC, Coinbases system requires that I enter various personal information ( name, address, profession, employer, etc ), and then answer several multiple-choice questions related to my past/ID. All of this is apparently checked against whatever ID data they relate to me, so as to verify my identity. 

Well, every time I do this, always entering the correct information, Coinbase claims that my answers are incorrect, or that my ID ca n't be verified, and to try again in one day. I 've been doing this daily since XX/XX/XXXX. 

One thing of note ; on several occasions, the multiple choice quiz included info that is clearly related to my Father, and not me. I am a XXXX, so they may have data that is conflated with my Father 's - in which case, there is no way I can ever be verified, and therefore, can never get my $ out of Coinbase ... 

So, a couple weeks ago, I found that Coinbase could verify my ID via a photo of my Drivers License. So, I did this. And, Coinbase claims that my ID has now been verified via my Drivers License. HOWEVER, it still requires that I do the same ID verification if I want to sell any significant quantity of BTC. So, I have no idea what the issue is. 

I have managed to sell as much BTC as Coinbases system allowed ( approx. {$4500.00} worth ). But, I can not seem to find any way to sell any more, and I have approx. {$10000.00} still locked into their system due to this ID verification issue. 

I have contacted Coinbase, insofar as they are contact-able. I 've used their support system, so far getting only automated, useless responses. I 've searched online for solutions, and it appears that many people have encountered the same or similar issues, none of which can offer any solution but submitting complaint to CFPB and/or legal action ... 

So, any help on this issue would be appreciated - all I want to do is sell my remaining shares of BTC, just to get my $ out of this buggy system. I obviously am quite angry about the fact that I have lost out on significant profits, since I correctly guessed the top of the BTC surge, but was hampered from harvesting those profits by Coinbases horrendous ID verification system.

BTW - My Coinbase account is associated with my email address, and they can find me using that. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
I sent this company a letter via certified mail last XX/XX/XXXX, 2017, to request VERIFICATION / VALIDATION of an account they are reporting under my name and I have not received any response from them yet. I clearly stated in my letter that they provide me copies of documents show my CORRECT and ACCURATE personal information, copies of documents showing that they were assigned this alleged debt to be collected to make sure that they have the right to collect this alleged debt, documents showing my signature etc. I got nothing from this company. Even though CFPB had already fined them according to this link : https : //www.consumerfinance.gov/XXXX this company still continues they unlawful ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 've contacted transuion about 3 times in regards to inquires placed on my credit file. I have an active fraud alert on my credit file and i 'm still getting unauthorized inquires placed on my credit reports. I was never called and asked to verify my information XXXX XXXX Inquiry from XXXX / XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX  XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/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 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
There is a account reporting as XXXX XXXX XXXX XXXX on my credit report. I am NOT responsible for this account. I have reached out to transunion on multiple occasionally asking them to investigate and send me the finding of the investigation. They have failed to do so. There is already a fraud alert on my credit report.

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 2021-04-14
Company: General Motors Financial Company, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX of 2018 GM Financial reported an outstanding balance remaining on the leased vehicle of {$190.00}. This was not noticed until i pulled my credit and they were reporting this balance because they had an invalid address in their system to send the proof of the debt to. I have paid off the balance and provided them with my correct address. I have the proof showing they were sending the statements to the invalid address that does not exist. I have contacted them several times to delete this off my credit since it has been paid off and they refuse even though i have proof showing they were sending the statements to an address that is invalid. I need this deleted off my credit report as soon as possible or i will have to seek legal action against them for their mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was taking advantage while several laws were being broken under the FCRA by your company. This has cause my financial injury, Defamation of character, i couldnt get a job, apply for credit. You have hurt my ability to obtain credit. Below are the list of inquiries i request to be removed. 

XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2021 XXXX XXXX  ( Finance ) XXXX XXXX XXXX XXXX Bank ) XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Financial )

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 2017-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XXXX XXXX and XXXX XXXX of 2016. that a computer glitch that was TransUnion 's problem, not mines caused my inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. I have contacted XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX, XXXX XXXX. These inquiries add a hardship and that my rights were violated by TransUnion. CFPB help me make TransUnion stop victimizing me. As a resolution that all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Paramount Capital Group, 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:
On XX/XX/2020, I disputed the accuracy of two late payments on this account. The payments were not processed due to a change in their automatic payment system. I have called multiple times as well as disputed these inaccuracies. I have not been able to get this issue resolved with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
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 status incorrect

Complaint:
There is a account under XXXX XXXX reporting to my credit profile. I am not responsible for this account. Please investigate the info reporting. If youre unable to verify, please remove immediately. I have disputed previously.

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 2018-01-02
Company: Experian Information Solutions Inc.
State: FL
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 placed my objection to Credit Report issued by Experian showing an account with XXXX with an outstanding balance of {$480.00} still remained unpaid and thus affecting my credit score for which other financial Institutions declined their financial services. 

I sent in my dispute of that false information and submitted copies of the settlement offered by XXXX XXXX XXXX XXXX in behalf of XXXX back on XX/XX/XXXX, as well as copies of payments cancelling my debt as of XX/XX/XXXX ( that is TWO years ago ) as it can be proven with the attached documents.and requested Experian to delete this item from my credit report. 

Furthermore I spoke to Experian Customer Service about the dispute initiated and they only limited to tell me that I had to address my concerns directly to XXXX for which I rejected this procedure because they were directly involved in the lack of accuracy in my credit report and they were making business selling that information. 

Finally the most weird response came from Experian telling me that they can not honor my request alleging that because you did not provide sufficient identification information for us to verify your identity or the information you provided was not legible ( see attached letter ) I also spoke to XXXX  Customer Service and as per their instructions I faxed them the same documentation sent to Experian and toi this present date the issue remains unresolved affecting deeply my good record

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