BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-28
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I checked my credit report and found an open account from a payday loan from Speedy Cash opened XX/XX/XXXX. The store that is reporting this mark is located in XXXX, TX, where I have not resided since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX  XXXX traded my Mortgage to 53.com. For the first 3 months I did not receive any statements from 53.com. I had to change my address and fill out a cfpb form to start receive statements! 53.com said they will not charge late fee on phone. Once the cfpb request hit 53.com they charged me an {$89.00} late fee. I need the {$89.00} back as the process of 53.com failed to informing me of the date of the mortgage trade and failed to get me statement to pay my mortgage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-31
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I have reported Coinbase to the FBI Cyber-crimes OMB CONTROL unit under their consumer fraud division. Also filed case with NYSDFS, Filed report with the Federal Trade Commission and The Attorney General of Virginia. Demanding that this matter be handed over to their legal department. I have never even tried to use these funds to buy crypto. This all began Thu, XX/XX/2020 and still without a simple call or answer where my {$32000.00} are. I want these funds transferred back to my bank and the account close.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: EQUIFAX, INC.
State: IL
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:
Equifax ; XXXX and XXXX are reporting incorrectly a late payment in XXXX, 2018 on the XXXX account number XXXX. ( Please see page 2 attached from our credit report. ) The mortgage payment is due on the first day of the month. We get paid on the XXXX of every month. The mortgage payment would not be considered late until after the XXXX of every month. I set this account up on Auto-Pay to deduct the mortgage payments on the XXXX of every month, but for some reason this payment was not pulled on the scheduled day of the XXXX and consequently it was zinged as late. This was not our error. We had the account set-up for automatic payment and this was clearly a banking error. We contacted the representative and they said they would remove this late however, they have yet to do so. This incorrect reporting of a late payment is harming my credit score and this late needs to be removed from our credit report. We have contacted the ( 3 ) bureaus to remove this however, we have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: ZWICKER & ASSOCIATES
State: MA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
It was on XX/XX/2017 a family member got my information without my knowledge apply for a personal loan from XXXX personal loans. XXXX didnt contact me first before giving the money away and giving the money 3 days after the family member sent my information. {$20.00} giving by XXXX in my name were a abused because I didnt make that money in a year working as a XXXX XXXX at that time make me frustrated, crying every day for a money I didnt used or got. It was on XX/XX/2017 I know this happened to me while I went to payed my bills, I can not believe my eyes and It was true. Called them next day explaining my situation they didnt believe at all and I filed a police report, nothing as ever changed put my name in shame for a thing I didnt do. I want XXXX to be prosecuted for this because it didnt care for their customers and I want justice. Those companies put an hard inquiries in my credit too I want them to clean my name on theirs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-24
Company: EQUIFAX, INC.
State: NC
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:
Back in XX/XX/2020 I sent a certified letter to Equifax, XXXX, and XXXX  regarding incorrect, accounts that they are reporting in my credit report. This also included over 15 addresses and multiple incorrect versions of my name, phone numbers, and employment information. 
I asked that the personal information gets deleted as they are outdated and no longer applicable to my current status and for fear of identity theft, asked that the information should be deleted, which they have not deleted per the most updated credit reports that I have received in XXXX. 
There were several accounts that reports as charged off and or in collections, and for each of the credit bureaus, the information across all three has not been reporting correctly, in the amount of the debt, date of last activity, and many other areas that is reporting incorrectly. I sent letters requesting that these information is disputed and requested that upon the outcome of their investigation that I receive updated credit reports, and method of investigation process none of this has been done. 
Responses from the bureaus are that the items are verified and remains, I sent follow up letters asking for the methods of verification, and received again that the accounts are verified and or updated. 
During said process I have sent certified letters to the collection company 's and have got back responses that they either do not have documents and are contacting the original creditor and or asking me to provide them with documentation to support my request for them to validate the debt. 
it is now XX/XX/2020 and I have not gotten any results from the credit bureaus and or collection companies. 
Please help me in getting closure and or results from these companies Equifax, XXXX, XXXX  ( XXXX XXXX XXXX-XXXX XXXX ), XXXX XXXX ) ( XXXX-XXXX XXXX XXXX ) ( XXXX XXXX-XXXX XXXX XXXX ) Thanking you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: AES/PHEAA
State: HI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I sent a letter for a standing payment instruction, which stated that any amount paid greater than the amount due should be applied to the principal. I sent the letter on XX/XX/2019 to : XXXX XXXX Pennsylvania Higher Education Assistance Agency The Office of Consumer Advocacy XXXX XXXX XXXX XXXX XXXX, PA XXXX Re : Account Number XXXX The letter was sent with signature required and was received on XX/XX/2019 at XXXX to the Front Desk/Reception/Mailroom. I have not seen a change in for a greater amount paid to be applied towards principle.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
Company: TRANSUNION INTERMEDIATE 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: Account status incorrect

Complaint:
After 3 attempts, I have attempted to remove the " dispute '' status information from my credit reports. Time and time again, after speaking to customer representatives from XXXX, XXXX  and Transunion, I was told the dispute comments would be removed ( since I'm no longer disputing the information ). I do not know what else to do, since the credit reporting agencies continue to place the accounts in dispute, after I have told them to permanently remove it ( as I'm no longer disputing the status of the accounts ).

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 2018-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 XX/XX/2015 I received a loan from a local place of business called XXXX XXXX. In exchange for my XXXX XXXX XXXX automobile title I was given a loan of {$750.00}.

I repaid the loan with interest in 4 months. Each payment was a money order since this place of business didnt accept checks or cash. Each payment was {$390.00}, which sufficiently paid off the loan with interest.

I continued to get collection calls from XXXX XXXX  after repayment of the loan. The calls became so abusive and originated from around the country that I refused to answer them.

My daughter also received threatening phone calls from a broadband phone located in XXXX, as well as others. She sent me these along with the recorded messages. My daughter is a XXXX   and neither she nor I need to be continually harassed by these collection companies.

I retained XXXX XXXX XXXX to clean up my credit report and noticed several mysterious inquiries, Judgements, and companies claiming that I owed in excess of {$900.00}. Their names include 1 ) XXXX XXXX XXXX  2 ) XXXX XXXX 3 ) XXXX I have never dealt with any of these companies nor have I been made aware that I owed any company this amount. According to the paralegals at XXXX XXXX the above titled companies are claiming that theyre owed a ridiculously high amount of money that could only originate from an illegal predatory loan company.

XXXX XXXX   is the only company Ive ever dealt with that would be considered predatory. Since XXXX XXXX couldnt reach me by phone, they fraudulently charged my checking account XXXX claiming it was for the purchase of an elliptical machine. Im XXXX and would never waste my money on an elliptical machine. I contacted my financial institution and after researching the transaction it was discovered that XXXX XXXX fraudulently, through an electronic transaction withdrew funds from my checking account.

After retaining XXXX XXXX to address my credit issues both my daughter and I began receiving threatening phone calls from collection agencies. I have phone numbers these calls originated from, dates, time ( s ) of these phone calls and the recorded messages that have been left.

Needless to say this is extremely damaging to my credit report. All credit reporting agencies have a record of this predatory loan which has been paid for years. However, my credit report doesnt reflect this and the harassment has gotten very problematic. It needs to be stopped as soon as possible and my credit report needs to have this fraudulent negative item ( s ) removed at once.

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 2020-06-03
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXXXXXX XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
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: Was not notified of investigation status or results

Complaint:
Back in XX/XX/2020 I started a dispute regarding wrong information on my business credit with Experian Business Disputes. The wrong information that shows only on Experian Is hurting my business credit for too long now. I have already sent the paperwork with proof that the Judgment for {$1600.00}, + does not belong to our company. The name is almost similar but my firm has of course different EIN number and also everything else. Please I need help because Experian Business only replies saying they have received the Complain but does NOT remove the wrong information. Thank You very much.

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 2021-03-31
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Completed trial modification payment XX/XX/2021 amount {$1900.00} Remitted XXXX mortgage payment XX/XX/2021 amount XXXX Requested a fixed mortgage term for 30 years, but received final modification agreement that consist of a balloon mortgage. I did not have a balloon note mortgage prior to the modification. I do not want a balloon mortgage. Per XXXX XXXX customer service I was told to resubmit my request to correct balloon note to a fixed mortgage terms. Received a denial letter stating to many credit inquires and the credit scores were low. Mortgage assistance is not suppose to be based on your credit per the mortgage assistance guidelines. As of XXXX I have resubmitted mortgage assistance request with financials for the XXXX time. Please process request. XXXX XXXX Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: EQUIFAX, INC.
State: NV
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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 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.

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 2021-05-23
Company: SYNCHRONY FINANCIAL
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Identity theft. My wife and I are both XXXX elderly retired citizens with an excellent credit rating and NO criminal history. Our credit card information was stolen via PayPal/Synchrony Bank. It has been used for two purchases to XXXX XXXX and one to for a {$3000.00} laptop computer. The criminal obtained my personal information from XXXX XXXX via PayPal Synchrony bank. He opened a credit account at PayPal 's Synchrony Bank using my Visa and personal information.. He obtained the {$200.00} cash credit limit on this card at XXXX XXXX. XXXX XXXX now demands that I pay the XXXX XXXX dollars even though they know I have been hacked. They call us every two hours, 24/7 days a week. PayPal who previously stated I would not be held responsible is aware but not making any effort to rectify the situation with XXXX XXXX. We have notified Social Security and the FTC who both advised we make a Police report. Information of the order of the laptop computer reveals the name " XXXX XXXX e-mail : XXXX. His address reads : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. We have contacted our Visa Credit Card provider and made them aware. XXXX XXXXSynchrony Bank state they will take us to court for the incident, thus we will use this notification in part of our defense.

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 2019-01-28
Company: JPL Recovery Solutions
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I spoke with rep. named XXXX on the XX/XX/2019 and asked for her to email me the details of the debt I owed. I told her once I receive the email I will look into the debt, verify that she and the collection agency she works for are legit, and would be contacting her after a couple of days. She has called my cell phone twice a day everyday since. 
This morning she called and left me a voice mail at XXXX XXXX  which is in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: FC HoldCo LLC
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
My car was involved in an accident on XX/XX/2018. My auto finance company was notified on XX/XX/2018 that my vehicle was a total loss and they told me that they were going to start processing my claim with the gap insurance since it was with them. I received notification on XX/XX/2018 that my account was past due. I then called XXXX to check on the status of the GAP insurance claim. They told me that they had not started the process of filing the claim. I asked why it had not been started since it was almost a month since they were notified of the total loss but no one could answer that for me. I then spoke with a person in the insurance department who started the claim. I was notified on XX/XX/2018 that the Gap policy through XXXX did not receive the proper documentation from XXXX and that they had not been able to contact the insurance rep from XXXX. I called for a week until i was able to reach another person i the insurance department and she resent the documents to XXXX. I continued to receive collection calls and the insurance told me that my account was supposed to be routed to their department and not collections. The gap policy paid out but they only paid a partial amount based on what XXXX  had told them what was left on my loan. XXXX  told the Gap coverage company XXXX that I had an outstanding balance of {$19000.00}, which was incorrect. My insurance company paid {$13000.00}. XXXX   reported to XXXX that they had received an additional {$1100.00} from warranty refunds which was also incorrect. XXXX error caused my Gap insurance policy to only pay out {$4400.00} leaving me with about {$3000.00} left to pay on my loan. I tried to make a payment on the account until the account was corrected but XXXX refused the payment since it was not the full past due amount. Since then I have received numerous calls at all times of the day from multiple different phone numbers from XXXX  collections. The insurance department continues to say that Im not supposed to receive collections calls but my account keeps getting routed back to collections. I have had collectors be very rude and refuse to allow me to speak to a manager even though the notes indicate what is going on with my account. This has destroyed my credit .They have also been calling my daughter who is a reference and is not on the loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My complaint is about Equifax. Three times this year we have had to temporarily lift our credit freeze and all three times it was a breeze with XXXX  and XXXX XXXX. Never in the last 3 years have we managed to lift the freeze with Equifax without wasting several hours, sometimes stretching over several days, trying to use their various methods. We are a couple that share an email, and just this year were we able to determine that Equifax will not allow us to use their phone system or on line system to manage our account. They say we have to have a separate email from each of us in order to do that. They always say that does not matter, we can call them. No matter how many phone numbers we are given to reach them directly, we have to waste hours trying to use the prompts in their phone system, trying to reach a live person. Sending codes to my email, sending codes to my phone, nothing gets us into their system. They keep you on hold for 45 minutes, " accidentally '' disconnect you when you do reach someone, and are rude and using people whose first language is NOT English. If you ask for someone who does understand English, they won't transfer you. They keep insisting they can help you, while repeating everything you are saying to them, without answering your questions. Our banks and stores know this is going on, but say they are sorry, they have to pull the report from all 3 companies. How can this company continue to do this to the consumers, with the systems knowing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX, XXXX Dates XX/XX/2014 acct # XXXX {$1000.00} Also acct # XXXX {$700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: CITIBANK, N.A.
State: GA
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:
This is regarding the following transaction XXXX XXXX WA {$46.00} on XX/XX/2021 This is an unauthorized transaction and a dispute was initiated for this transaction with mastercard. However, neither Citibank nor Mastercard has provided any evidence that this is a valid transaction and has closed the dispute in favor of the merchant.

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