BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-17
Company: ALLY FINANCIAL INC.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
An auto loan was fraudulently opened on my behalf. 
Three months ago, an auto loan was opened by Ally Financial for purchase of a used XXXX  XXXX XXXX. The information provided to open the loan was my maiden name and my SSN, but not my address and phone number. No payments were ever made towards the loan, and the loan is negatively affecting my credit score. I was first notified when my current bank alerted me that my credit score dropped significantly over the last week. I have called the originating lender and placed a Fraud Alert at the three credit bureaus.

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 2020-11-23
Company: SunTx Capital Partners
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I opened an account for a vehicle loan with Freedom Truck Finance in XX/XX/XXXX and have made on time payments to date. The term of the loan was 49 months. Freedom Truck Finance reported my payment history to the three major credit bureaus until XX/XX/XXXX when they purportedly sold my credit account to a different lender. I have since established that this claim is false. I tried to dispute the non reporting of my payments with XXXX  but Freedom Truck did not respond and XXXX  removed that account from my credit report. I have called Freedom Truck numerous times, talked to a supervisor called XXXX but I have not received any help and they claim they continuously send my information to all the 3 bureaus ( XXXX, XXXX  and XXXX  ). All the bureaus show that they last received such information in XX/XX/XXXX. I have my payment history as provided by Freedom Truck Finance, which is in two parts because they claim the new company is now receiving payments ( no one at the Freedom Truck can identify the new company ).

Company response to consumer: Untimely response
Consumer complaint received 2020-07-07
Company: CITIBANK, N.A.
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
We used our Citibank credit card to purchase a dog from XXXX. From the day we purchased the puppy he was sick. 10 days later he died. We have placed a dispute and appealed our dispute and we were denied. The XXXX has agreed to give us a store credit for the amount but we do not want to go back there after they sold us a sick puppy. My poor family has been crying for weeks over this and we are getting no resolution. Thank you for your help.

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 2021-04-27
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: Their investigation did not fix an error on your report

Complaint:
Im submitting this complaint against XXXX Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I wired money to Coinbase, inc., about XXXX USD. 
I was asked to complete the ID verification, and that went through. 
I get a mysterious error saying that my account is restricted whenever I want to trade or withdraw the money. 

I have no access to the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-19
Company: BTH Management
State: WV
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:
My XXXX  credit report shows a collection agency - XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, ( XXXX ) XXXX opened a collection account for the amount of {$440.00} on XX/XX/2018 from an original creditor - XXXX XXXX XXXX. 
I have disputed this with Transunion on XX/XX/2018. 
This account does not belong to me and I have requested XXXX   to remove it from my account. They have not done this. I researched XXXX XXXX and have found this is a scam company. 
I do not recognize this creditor nor have I taken a loan from XXXX XXXX XXXX on XX/XX/2018. 
The collection agency never contacted me, nor has XXXX XXXX XXXX to prove that this is mine. 
Please help me to remove this from my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: T.S. Holdings
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was called multiple times a day several days a week. Didnt know the number so I didnt answer until they left a voicemail and then I called back. The guy named XXXX was not very knowledgeable because he was new, talked to supervisor named XXXX who helped me resolve the issue and figure out plan for payment. Then I was getting constantly called again a few days later by XXXX and I explained I had resolved everything with XXXX but then he sent me to his supervisor XXXX who kept yelling at me and saying I was refusing to pay when that was not the case. I said they have the recordings of my precious conversation with XXXX and our plan but XXXX said he wasnt going to listen to any tape and that I was refusing to pay and he threatened to harm my credit and threatened saying hes going to get my money no matter what and he has all my information And will get his money. Then he hung up on me

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-13
Company: SYNCHRONY FINANCIAL
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:
XX/12/2017 Its reporting on my credit that someone checked my credit. I havent applied for any new accounts or credit cards today. It has also affected my credit score by dropping it by 3 points

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 2020-09-08
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
XXXX, Experian and XXXX  along with creditors place negative information on my credit file inspite of the law and the coronavirus pandemic. The president stated that your credit could not be ruined for no or late payments. I have not worked since XX/XX/2020 cut to being a essential worker at the airport with medical underlying conditions. I was denied SBA loan due to experian credit report showing late payments and a declined credit score. That was the only factor that stop me from getting money to help my family and I was denied.

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 2020-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
XXXX, XXXX  and Transunion along with creditors place negative information on my credit file inspite of the law and the coronavirus pandemic. The president stated that your credit could not be ruined for no or late payments. I have not worked since XX/XX/2020 cut to being a essential worker at the airport with medical underlying conditions. I was denied SBA loan due to experian credit report showing late payments and a declined credit score. That was the only factor that stop me from getting money to help my family and I was denied.

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 2019-10-22
Company: BARCLAYS BANK DELAWARE
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: Was not notified of investigation status or results

Complaint:
Hi, I contacted Barclays Bank to make them aware of charge that was not mine and had been assessed late charges on, they assured me that no interest and penalties would be assessed further to my account. They continued to call me and tell me my account was overdue and when I told them the account was in dispute they would tell me that it was a call in error and once their investigation was completed they would send me their results of their investigation. I was never notified of the results of that investigation and the late fees and penalties kept increasing.

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 2020-11-24
Company: Santander Consumer USA Holdings 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: Information belongs to someone else

Complaint:
On XX/XX/2020, CHRYSLER CAPITAL add a hard inquiry on my credit report per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: Experian Information Solutions Inc.
State: MA
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:
Experian continue to inaccurately reporting account XXXX. This account has been re-aged. Re-aged account is a violation of the FCRA. XXXX is reporting XX/XX/2020, Experian is reporting XX/XX/2020, XXXX is reporting XX/XX/2020. All three dates and years are reporting inaccurate. I have attached a copy of my credit report showing the re-aged account dates and years. This is a serious mistake and subterfuge reporting by Experian. 

Please see attach copy of credit report showing RE-AGED account Violations of the 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 2020-07-07
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Regarding Escrow Refund dated XX/XX/XXXX for {$2300.00} from Freedom Mortgage. Concerning not receiving the escrow refund, having contacted the Freedom Mortgage on XX/XX/XXXX, Customer Service over the phone ( XXXX ), then again XX/XX/XXXX by email with acknowledgment of receipt of the inquiry, XX/XX/XXXX again by phone ( XXXX ) with customer service representative XXXX, which indicated to me that the check would be sent 5-7 business days, XX/XX/XXXX again by phone ( XXXX ) with customer service representative XXXX, which now indicated 6-8 weeks, and if check not received by then, needed to resubmit the request for the check for another 6-8 weeks wait-time. I asked CS XXXX to have his supervisor call me to explain and as of today still 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 2019-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
Bureau name XXXX XXXX XXXX XXXX I payed all the amount but they still reporting that my account is derogatory.it damaged my credit score a lot, last payment was XX/XX/2019. 
So I called them they said they will report that o Finish all payment, but no action was taken. 
Also other accounts were paid and Closed but the negative still effecting my Credit score.

I had 2 miscarriages within the last 3 years and I lost my job and I did my best to pay off all my debt. But those companies the sold my accounts to collection companies and they were after me every single day, harassing me With Calls.

I really need your help and I appreciate your up.

Best regards, USA

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 2020-09-08
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: Reporting company used your report improperly

Complaint:
Equifax, XXXX  and XXXX  along with creditors place negative information on my credit file inspite of the law and the coronavirus pandemic. The president stated that your credit could not be ruined for no or late payments. I have not worked since XX/XX/2020 cut to being a essential worker at the airport with medical underlying conditions. I was denied SBA loan due to XXXX credit report showing late payments and a declined credit score. That was the only factor that stop me from getting money to help my family and I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
i have a home loan with ( LAKEVIEW LOAN SERVICING LLC ), they are reporting inaccurate and wrongful late payment on account number ending in XXXX. 
this is inaccurate and this is a complaint to what they are reporting. attached you will find the letter received from lakeview and it was processed to be updated with the bureaus, but for some reason it has not. please have all the three bureaus reverse this inaccurate late payment form XX/XX/2019. 
letter hence attached.

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 2021-02-27
Company: Colony Brands, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
My balance with this Company was {$270.00}, I paid {$30.00} payment on XXXX this Company hasnt apply this payment. My balance should be {$240.00} after payment, I dont want to waste my time calling and nothing is being done. Most likely I will be closing this account dont have time to XX/XX/XXXX anyone to do their job. My account # XXXX. Can you please take care of this for me please Im XXXX yrs of age and dont have time for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have received repeated, frequent phone calls from Navient over someone else 's debt. I have submitted complaints with the CFPB in the past, as well as with the FCC. I have also spoken with Navient directly and they assured me I would be on their do not call list, yet the calls continue. 

They have called both my personal cell phone and my workplace. Again, this is over debt that is not my own. Today, Navient called me twice. 

It is not acceptable to be harassed by a debt collector over someone else 's debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not liable for this debit with XXXX XXXX. I do not have or never held a contract with the creditors Listed below they did provide me with the original contract as requested Using 15 USC 1681a2 I did not give written or verbal permission to have these accounts furnished on my credit report. I demand the negative accounts be removed from my account. 

MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Mr. Cooper ( formerly Nationstar ). I flooded in Hurricane Harvey, with my insurance settlement being {$190000.00} which is being held by Mr. Cooper. I have uploaded my paid receipts so far, amounting to {$67000.00} out of pocket plus another {$18000.00} paid to my contractor today. However, Mr. Cooper refuses to release more than 10 % of my loan, amounting {$37000.00}, until I have completed 50 % of my home repair ( which would amount to nearly {$100000.00} ), at which point they will release 50 % of remaining funds. They have repeatedly refused requests for interim releases of money, leaving me paralyzed with the inability to repair my property in a timely fashion. They are now requesting another inspection, with a turn-around time of at least 3 weeks, before even considering release of more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: Kriya Capital, LLC
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: Their investigation did not fix an error on your report

Complaint:
Dear XXXX I am writing to dispute the following information that appears on my XXXX  consumer report : On XX/XX/XXXX a collection for {$110.00}, owed to Credence Resource Management, was added to my XXXX credit report. On XX/XX/XXXX I requested varification, from Credence Resource Management , LLC, proof bearing my signature, stating that I have ( or ever had ) some contractual obligation to pay them. The " request letter '' was received by Credence Resource Management on XX/XX/XXXX. On XX/XX/XXXX I received a copy of a XXXX bill from Credence Resource Management dated XX/XX/XXXX in the amount of {$92.00} not the reported {$110.00}. As per the Federal Trade Commission opinion letter from XXXX XXXX XXXX XXXX, " a printout ( or copy ) of a bill or itemized document does not constitute verification ''. 

On XX/XX/XXXX, I opened a despute challenging the validity of the collection reported by XXXX and requested the method of account verification. On XX/XX/XXXX I received a letter from XXXX which outlined their investigation methods. TransUnion then marked the account as verified, never stating their method of verification this account. 

Credence Resource Management has failed to produce any competent evidence showing a contractual agreement bearing my signature, was made either between myself and Credence Resource Management LLC, or myself and XXXX, therefore the collection information reported by you is false and I demand that this negative and incorrect information be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-20
Company: EQUIFAX, INC.
State: MO
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 are 6 accounts on my Equifax credit reports that do not belong to me. I have disputed these accounts, Was sent notices that the accounts have been verified. They CAN NOT verify accounts as mine that do not belong to me. And they are still listed on my credit reports even though they do not belong to me. 1. XXXX XXXX Acct # XXXX, 2. XXXX Acct # XXXX, 3. XXXX XXXX Account # XXXX, Both accounts 2 and 3 have same acct # s different amounts listed, different company names. 4.XXXX  XXXX Acct # XXXX, 5. Acct # XXXX, 6.Acct # XXXX, These accounts do NOT belong to me and I want them permanently removed from my credit reports. Accounts # 2 and 3 show same account #, different companies, different balances.

Company response to consumer: Closed with explanation