BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-13
Company: EQUIFAX, 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 information incorrect

Complaint:
XXXX XXXX has marked my XXXX 's account as " closed at issuers request, '' the phrase usually reserved when an issuer re-evaluated a consumers qualifications and downgrades or revokes credit line. In this case, XXXX simply went bankrupt. I should not be impacted negatively because of the issuers financial failures. I have attempted to have this negTive statement removed from my report via all dispute processes available to me. I have been unsuccessful. Please advise & assist. Thank you for existing. Banks f corporate interests are out of control.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX reported me late when I had been in contact with them to resolve the issues. I had been paying and making agreements with XXXX XXXX to not report me late but accept the partial payment until I could rectify the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25
Company: Orion Portfolio Services, LLC
State: PR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
UNEMPLOYMENT HAD NOT ALLOWED ME TO PAY THIS DEBT. AT THE TIME I RECIEVED THE BILL I WAS ON UNEMPLOYED INSURANCE AND I CAN NOT PAY THIS DEBT WITH UNEMPLOYMENT INSURANCE FUNDS. I AM STILL STRUGGLING AND I DO N'T EVEN HAVE UNEMPLOYMENT INSURANCE. I ASK XXXX XXXX TO PLEASE FORGIVE THE DEBT AND TO REMOVE SUCH DEBT FROM ALL CREDIT BUREAUS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-16
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I cant get an annual report I was told alredy recieved one when I have XXXX applied for one this first time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-13
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: Information belongs to someone else

Complaint:
Dear Experian/XXXX/ XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply.

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 2018-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
THE ACCOUNT WAS CLOSED BY BANK OF AMERICA DO TO A SIMPLE FIRST TIME MISTAKE THAT I DID NOT KNOW ABOUT ... BUT THE COMPLAIN IS ABOUT THE TRAVELING REWARDS OF XXXX THAT THEY ARE SAYING THAT EXPIRED DO TO CLOSING OF THE ACCOUNT ... BUT NEVER RECEIVED ANY KIND OF NOTICE ... SEE ATTACHED FILES. THANK YOU XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-22
Company: Real Time 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:
Real Time Resolutions charged off my second mortgage in XX/XX/XXXX and then continue to report 150 day lates in XX/XX/XXXX. From the date they charged off the account from their books they can't report lates beyond that date. I am retaining an attorney and they advised I submit a complaint to the CFPB prior to us taking legal action so they have the opportunity to correct the illegal reporting prior to litigation. See the snapshot of my credit report that I attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hi, I accidentally sent XXXX electrify XXXX tokens to a XXXX address that XXXX uses for my account for ethereum token transfers. XXXX. 

Once those tokens were sent and in Coinbases possession then XXXXoinbase decided to not return them to me. They are the only owners of those private keys and could return the tokens to me if they chose to, but they choose not to because it would be work for them to manually send the money back. This is over {$1200.00} in value lost to me. 

I'm simply asking them to refund the tokens to the address that they came from : XXXX Their response : " Unfortunately, our key-signing mechanism is not equipped to handle alt-coins or tokens that run on top of digital currencies such as bitcoin or ethereum. The security and integrity of our private keys is of the utmost importance to us. As a result, the specific private keys associated with an address are not available to any single person. Due to the inherent security risks involved with accessing specific private keys, it is not possible for our support team to recover funds sent to a Coinbase wallet in this way. '' This tells me that they haven't given their support staff the ability to help customers retreive their funds and instead choose to keep accidental funds sent to them instead of manually returning the money to it's rightful owner. This should be illegal to keep money that isn't theirs and refuse to help. 

Thank you for your help, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: Dynamic Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I get a call at XXXX  from Dynamic Recovery Solutions. They hang up, I call them back. Get the automated voice saying that they are Dynamic Recovery Solutions and to hold for the next available agent. Before they had time to say much of anything I informed them it was 8am ( work nights ) in the morning and that I'm reporting them. They asked what the last 4 digits of my SS # are, I hung up. Their number is XXXX. I don't have any debt now. I have an excellent credit score and there are numerous complaints about this company 's tactics. This has to stop. This is harrassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-29
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
In XX/XX/XXXX, XX/XX/XXXX referred an outstanding balance of {$450.00} to XXXX XXXX XXXX. In XX/XX/XXXX I set up and initiated a monthly automated payment of {$52.00} to settle the debt. In XX/XX/XXXX, I received notice from my credit reporting agency that there was a negative collection reported on my credit on XX/XX/XXXX and realized that the last payment made to XXXX XXXX XXXX was on XX/XX/XXXX. There were two remaining payments to be made which would have brought my account to a XX/XX/XXXXbalance. I called XXXX XXXX XXXX to ascertain why payments were stopped. I was informed that XX/XX/XXXX " took the account back ''. Upon further inquiry with XXXX, they reported that because the account was still outstanding, they referred the account to Diversified Consultants to collect the remaining balance of {$100.00}, despite on-time monthly payments being made. I had no knowledge nor received any notice, written letter or otherwise, that the account had been transferred. Diversified Consultants reported that phone calls were made to my home number, however, no written notice was mailed. After paying in good faith to the settle my debt, this failure to report the acquisition of the new account prevented me from being able to clear up the account in a timely manner so as not to have it negatively reported to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: EQUIFAX, INC.
State: GA
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 sent a letter on XX/XX/2021 and i have not received no answers. I am such in distress and i feel like my letters get ignored. I pulled my credit report and there is unauthorized used of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: Rosebud Economic Development Corporation
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I signed up for Zoca loans back in XXXX. My original payment and payment dates were XXXX $ on every Thursday. When I saw that I immediately called the company and have them switched it to every Friday because that's what my paydays are. For a while they were coming out on Fridays and then suddenly it stopped. I noticed the change when I had an over draft fee for them withdrawing my account and the funds were not available on a Thursday. I then called the company again, spoke with a XXXX ( whom was very rude ) told me she would have them switch back to Fridays. I felt like she did not submit my request so I then emailed their support group and was told by a XXXX ( see attached documents ) that my payments would be drafted on Fridays. Went to check my account this morning and saw ANOTHER overdraft fee and that my account was drafted on Thursday XX/XX/2018. I am very furious at this point. I am a consumer trying to make my weekly payments on time and they continue to overlook my requests. I do not have any extra money to be paying for overdraft fees and I would like my money refund back to me from this consumer.

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 2021-03-25
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:
account was open XXXX XXXX for amount of XXXX now reporting incorrect for XXXX on my credit report also late payments have reach out to us bank to correct this matter but no response. incorrect information is hurting my consumer report and is a violation. 
The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )

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 2016-02-26
Company: CASHCALL, INC.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I asked for {$1800.00} they approved me then when I went to sign the paperwork it said loan was for {$2600.00}. I told them I did not want {$2600.00} they told me that I needed to take it or they would have to re approve me and draw up new paperwork which would 2 weeks. So I signed the paperwork. After 16 months of paying them over {$200.00} I had more than paid off the original loan amount and my husband left me. I could no longer afford to pay this so called and tried to renegotiate with them. At this point the lady got extremely hostile and rude towards me and all but called me a beadbeat. So I stopped paying it. Now 8 months later their debt collector is suing me for {$2600.00} plus attorney fees which I can not afford. Need help with this and their illegal lending practices.I 'm

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 explanation
Consumer complaint received 2018-09-11
Company: Convergent Resources, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been harassed by 3 different collection companies over the past 4 years for money owed for equipment that was returned to XXXX on XX/XX/2014. I have a written receipt from a XXXX representative showing the returned equipment. Each time I provide the receipt the collection agency stops and then I am contacted by a different collections agency for the same bill. Each time the collections shows up on my credit report and is damaging my rating. The most current company that is attempting to collect the amount is XXXX XXXX XXXX.I have notified this company as I have the others and again get no response.

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 2018-09-11
Company: AmeriCash Holding LLC
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
XXXX XXXX in Wisconsin calls me 3 times per day on a {$300.00} personal payday loan taken out 4 years ago. I have received threatening calls from Texas accusing me of bank fraud in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX billed an eight year old address attempting to reach me for a medical bill. 
No response was recieved because I did not live at the address they were billing. 
XXXX turned the invoice to a collections agency, collection agency continued to bill the old addressI had no knowledge of this information until I needed to purchase a car where the discrepancy showed up on my credit report. 
XXXX refuses to submit a letter of untimely filing so my insurance company will pay the billI still do not know where or how the old address was obtained by XXXX. I would never recommend using this medical lab. XXXX insists I lived at the address that was billed and I received sufficent notice of the debt. I can provide public records to show I did not live at the address.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: AL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I went through debt consolidation with XXXX. One main financial continues to call me to set up a payment or to get more money from me. They have agreed to the consolidation and have continued to harass me. Forced me to pay XXXX dollars after they agreed to the consolidation and called me 4 times since the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I recently set up payment plans with a collection agency in XX/XX/XXXX, I set up for XXXX dollars at the end of each month to be taken out and for the first payment to be taken out XX/XX/XXXX. I paid XXXX dollars over the phone for the month of XX/XX/XXXX over the phone the same day I set up my payment plans. Well then at the end of XX/XX/XXXX someone took out XXXX dollars out of my account which I didn not give consent to. I strictly stated over the phone for the second payment to start in XX/XX/XXXX so I know it 's only XXXX Dollars but I did not consent for that money to be taken out of my account. I have been playing phone tag with the people for over XXXX weeks now and I want my money I never gave any consent for that payment to be taken out so I feel as I was robbed it is impossible to speak to anyone who speaks great XXXX so calling this company repeatedly does nothing. XXXX XXXX XXXX XXXX XXXX are scammers in my eyes!!

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 2017-02-13
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was contacted by Convergent Outsourcing Inc . Via mail regarding an outstanding debt of over {$4000.00}. I wrote and stated that the debt was not mine, they then returned via mail a copy of a XXXX XXXX phone bill that I have never seen before, addressed to an address I have never lived at in a city and state I have never been to. I wrote them explaining this and mentioned that my SSN has been stolen before and this could be the issue. In the mean time they have placed this collection on my credit report and wo n't do anything without a copy of a police report stating my SSN was compromised. The report is proving difficult to get as it was quite a while ago. I do have proof from Social Security that requires a PIN number to file my taxes due to the compromise but I feel VERY uncomfortable giving this to a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX account on my credit report is in a class action law suit with XXXX XXXX were they messed up auto loan account because they charged for insurance I already had resulting in wrongful reposesion, and charge off on my credit for {$8900.00}. should have been removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2016-05-19
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Balance transfer

Complaint:
Several months ago, XXXX ended its relationship with XXXX XXXX and transferred all accounts to Barclays. The transition was handled incredibly poorly. I always paid my balance in full and monitored activity online, but because all records of my transactions disappeared from the XXXX web portal, I was unable to check my balance and did not agree with the balance that Barclays was showing and do not believe they applied the last payment that I made to XXXX XXXX. I have been on the phone with both companies several times in an effort to resolve this, but 3 months later have been unable to do so. In the meantime, I am not willing to pay Barclays the extra amount -- over {$1200.00} -- that they believe that I owe and which I believe was paid and the account has accumulated late fees and interest penalties.

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 monetary relief
Consumer complaint received 2016-08-06
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I am a former Amazon.com ( GE Capital/Synchrony ) credit card holder. When I received the credit card, I was signed up for the Card Security protection program. After several months of having the card and making timely payments, I was laid off and unable to make substantial or timely payments after exhausting my unemployment benefits. Thus, the card was sold to a 3rd party collection agency despite me having this credit card security protection program in place. I am now being sued by a collection firm for the outstanding balance and legal fees. Is there any sort out of assistance for someone in my situation? I know about 2 years ago the CFPB found GE Capital Retail Bank/Synchrony Bank, Case XXXX, in violation of certain consumer protection acts. Any advice?

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 2019-09-06
Company: Northeast Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Northeast recovery services of XXXX ny. Is trying to collect in a old tribal loan which was paid in XX/XX/2018, bought old debt probably, I paid XXXX on this internet loan. They are calling relatives scaring them and trying to get information stating they are an officer. His name is XXXX XXXX.

Company response to consumer: Closed with explanation