BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-08
Company: CORELOGIC INC
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 belongs to someone else

Complaint:
XXXXXXXX XXXX Account  XXXX Information on this item has been updated. Please review your report for the details. Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX Account XXXX Information on this item has been updated. Please review your report for the details. Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX Account XXXX The information you disputed has been updated. Please review your report for the details. Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX  Account XXXX Information on this item has been updated. Please review your report for the details. Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX XXXX  Account XXXX Information on this item has been updated. Please review your report for the details. Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX XXXX  Account XXXX Information on this item has been updated. Please review your report for the details. Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX  Account XXXX Information on this item has been updated. Please review your report for the details. Show Details | View your Report | View your credit score Updated + 'icon ' Updated all filed to the ftc wrong address and names need help removing fraud alert from all 3 companies

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 2021-10-23
Company: Caneel Capital, LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I am having a very difficult time with Trinity Financial. It appears I am a victim of mortgage fraud and a predatory lender that has placed a foreclosure sale date on my property and forcing us to do a short sale. 

In XXXX I had a 1st and 2nd with XXXX XXXX. In XXXX I refinanced with XXXX XXXX  and received and 1st and a 2nd. Obviously when you refinance the lenders payoff the previous loans. And from the paper work I signed, that is what happened. I received a 80/20 refinance and no lender would ever subordinate to a line of credit for {$49000.00}. My refinance would have been declined if that lien was not paid or on title.

Due to fraud my 2nd lien from XXXX stayed on my title. Apparently not recorded correctly or by illegal fraud. This lien was sold in XXXX to XXXX XXXX and then to XXXX XXXX XXXX who has placed a foreclosure sale date on my property through Trinity. I looked at doing a loan modification but was denied by Trinity Financial.

Because of all this horrific fraud I now have to do a short sale to avoid a foreclosure. I am requesting that Trinity Financial place my fraud foreclosure on hold so I can complete the short sale process and avoid a foreclose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: Square Inc
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2019. My phone was hacked by an 800 phone number XXXX found on XXXX thinking it for XXXX  costumer service when I needed help to cancel a transaction I sent to a friend through XXXX. But unfortunately they hacked my account by taking my name, phone number and the device am using to access XXXX  and {$1200.00} was stolen through XXXX  XXXX. I called XXXX  but XXXX says they can not accept my claim because my phone was used on XX/XX/XXXX to access XXXX  so they have no evidence that I didnt authorized those transactions. I have explain to them several times that I didnt authorized any payment and my phone was hacked because they people ask me what phone am using, and I didnt know anything so I told them the device. But XXXX still dont want to help me trace my money. At this point I know they wont help. They are aware that people are using their app to scam people in the app but they have ignored and dont do anything about it. I need help getting my money back because I didnt authorized any transaction and dont know these people. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Old information reappears or never goes away

Complaint:
Yesterday, I found that the Transition system glitch affected my inquiries on my credit report. I was notified with the 5-day legal notice. I then contacted Transunion and they would not honor my request.

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 2017-11-03
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello. My name is XXXX XXXX. I pulled my credit report on XXXX XXXX, 2017 and it showed a hard inquiry from synchrony bank. I never used this company. I called they company and they had no knowledge of my formation. I did not authorize anything with this company. I ask them to remove it but they stated to me they have no information therefore they can not remove it. They then told me to called the credit bureau so i then called XXXX and XXXX  and they were no help. Not sure if this is a fraud action but I would like it to be removed from my credit. 

I also would like an inquiry removed by XXXX XXXX. I have made on time payments but the inquiry is still there. I would like the inquiry removed please.

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 2020-04-26
Company: LOBEL FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2019, the car was taken away from me without any notice, I did not miss any of my car payment and ruin my credit report. See my months been paid. I believed they took my car out of my apartment 's private parking lot. I was going to sell my car for a in trade with a dealer. They took my car away. the amount is {$4000.00} on my debt. 

I found this Lobel Financial CORP is a dirty business, they never send me a payment letter, only online with fee plus charged there is no another option to make a payment. There are many negative reviewers say about this company because we become a victims. 

I found out my car is stolen and this vehicle was in an accident say on the XXXX report when I was trying to purchase for another car and in trade for my former car. 

This CORP try to force and make me pay my debt that car was taken away from me. Did not miss any month payment. I refused pay because they charged me for extra money on the fee tow and fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: Pan Am Collections, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Pan Am Collections repeatedly contacted me to collect a fee I did not believe I owed. Despite communicating with them regarding my dispute they continued to add fees to the original amount claimed. They made repeated phone calls including calling me and leaving a message from an unlisted number. They have proceeded to turn my account over to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for collection despite my good faith efforts to confirm and resolve fees owed in a timely manner to the original creditor. They failed to correspond with me for over three months following final payment to original creditor to indicate that they still claimed I owed fees and instead turned my account over to the aforementioned law office. This resulted in additional fees from the law office. The fees charged by Pan Am Collections and XXXX XXXX XXXX XXXX XXXX  are inconsistent, unclear, and not supported by the terms of the financial agreement I signed with the original creditor leading to confusion regarding debt owed. This financial agreement specifically states that I owe expense incurred by " my provider '' in collecting balance owed. According to provider, this obligation was met when the XXXX  collection fee was paid. Finally, law office left message on XXXX/XXXX/XXXX requesting I call. The call was returned by me on XXXX/XXXX/XXXX. XXXX XXXX at law office claimed that a letter had been sent to me on XXXX/XXXX/XXXX confirming the debt I owed. I informed him that I never received any such letter from the law office, despite residing at the same address Pan Am Collections and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX and XXXX have utilized previously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-27
Company: Coinbase, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I requested a payout in the amount of {$2300.00} from this company on XXXX XXXX, XXXX at XXXX XXXX. The payout method was via Wire Withdrawal to my bank account, which charged me XXXX due to the expedited nature of a 'wire ' withdrawal. It had a guaranteed delivery date of XXXX/XXXX/XXXX. After having not received the funds on XXXX, I contacted them, and they briefly replied that they were working on it. As XXXX time was nearing, I sent them several follow up e-mails and failed phone attempts ( Customer support telephone line is almost impossible to get ahold of, and they claim they do not honor withdrawal issues via phone, only site login difficulties ),  and received no replies. This money was intended for XXXX, rent, and a number of other bills that were due. I relied on this company to pay me out in the timeframe that was promised.. it is now 15 days past my withdrawal date, and 12 days past the expected delivery date, and I have not received a penny to my bank, or any valid e-mail responses indicating when my money will show up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: Experian Information Solutions 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:
I want to dispute the following 3 fraudulent accounts listed on my credit report. XXXX XXXX, XX/XX/XXXX XXXX, XXXX XXXX XXXX, I have contacted these creditors for more information to no avail. I have filed an FTC IDENTITY THEFT REPORT because I have never had or open these accounts. The report number is XXXX. I have attached the Identity Theft Report for your review. Please remove these fraudulent accounts from my credit file.

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 2020-07-09
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ERC is reporting an account from XXXX that is fraud. I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
Hello I have tried Numerous of times to dispute XXXX XXXX XXXX  accounts thats are closed. They appear on all credit bureaus. Ive settled with with XXXX XXXX months ago. XXXX XXXX state its company policy that they dont furnish deletion letter for credit removal instead they send a letter stating the transaction has been settled. This closed account have be a very big strain on my family and I. It has prevented me from trying to help my family and I through these inserts in times in the world. This is very unfair Ive work tremendously hard with XXXX XXXX my other creditors to fix the issue. I have had a late payment on any account in 6 years and this is hurting me really bad. Please have these removed from my credit report. What cause my credit issue was a car accident where I lost everything and I couldnt pay for anything at that time and ended being homeless. I have then healed and gotten well and Im just trying to better my situation.

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 2021-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am refinancing my home and was looking for the best rate. I reached out to a company called XXXX XXXX and spoke to someone named XXXX XXXX. I told her I had been talking to XXXX and they had pulled my credit score on XX/XX/2021 so I DIDN'T want XXXX to pull my score if it was going to be considered another hard inquiry. She told me it would not impact my score. XXXX sent me information from the CFPB website that says you have a 45 day window when it comes to mortgages inquiries. I told her she could pull the report but that was because I was under the impression it would NOT count against me. I have written to all 3 credit agencies and they told me the window is 14 days. They have said they will not remove the inquiry. The inquiry I am disputing is from XX/XX/2021 XXXX XXXX lending via XXXX XXXX. I wrote to XXXX XXXX but the letter was returned saying they had moved with no forwarding address. I would like this hard inquiry removed my credit.

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 2017-11-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a Fifth Third Bank XXXX, and paid off the entire balance on XXXX/XXXX/XXXX. My account has been overpaid by XXXX. I have called the bank at least 6 times, and each time I get a different explanation. To date the XXXX has not been received. I feel that this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: PLS GROUP, INC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I took a loan out at PLS to send my daughter to college I was current with my payments up until the last month I missed two payments I tried to explain to XXXX XXXX XXXX I did n't have the funds due to my other unexpected bill for my car. I told them I can come in the store and make a missed payment they told me they do n't accepted partial payments. I asked the lady to work with me on my payments she said a manager will call me because they put my check I wrote them when I got the loan through to the bank. I stated do n't put that check through I will come to the store and make payments. XXXX caged this check on XXXX/XXXX/XXXX putting my account over XXXX dollars in the negative. I told them I did n't have the funds can they return it and I will setup payments they declined the lady in collection told me my account was paid and closed. A few days later I received a call from XXXX XXXX XXXX saying I have a balance of XXXX dollars with them I told her you guys just deposited a check for XXXX In my account I do n't owe you anything she stated this is interest from when we tried to deposit the check earlier in XXXX. Today I received a call from my HR dept stating this loan store sent an intent to assign wages for the full amount today. They already received their money and trying to get extra.

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 2017-11-02
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Well I had a car with credit Acceptance during this time I was working but I lost my job. I was n't able to pay for the car no more after the continue threatening phone calls from them I told them I would surrender the car because they gave me that option. Since then credit Acceptance has auction this car off how they going to say I entered in another agreement with them when I did n't have a job to pay them.At the time I stayed in XXXX and the statue of limitations is up and now I 'm in XXXX the statue of  limitations is still up why do they still have this on my credit report when the car has been sold. I want them to remove this off my report ASAP. thanks 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 explanation
Consumer complaint received 2017-11-02
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My name is XXXX XXXX and I 'm a victim of Identity theft, Ive attached my FTC identity theft report. Can you please check to see if any personal or business accounts are open are open under my social security number. if so, can you please close the account and send every single statement to my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 belongs to someone else

Complaint:
I have concerns about two accounts I noticed on my credit report. 

Account under name XXXX opened XX/XX/XXXX and currently closed as a charged off. I have reached out to the company directly and I was not given any information on how account was opened. It has currently reached over 30 Days into the investigation and I have not received any results from the investigation. Amount reported on account is XXXX. 

Account under name Bank Of America opened XX/XX/XXXX and currently closed as a charge off. It has been over 30 days of being investigated and I have called them directly and I haven't been given any information. I was told they no longer have the account. Amount reported on account is 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 2020-11-08
Company: CarMax, 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:
This account was fraudulently opened and maintained. I've contacted the company and communicated that. But they keep calling and trying to get me to pay on an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: Social Finance, Inc.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XXXX/XXXX/XXXX I made a scheduled payment to my personal loan with SoFi in the amount of XXXX ( more than amount due ) for payment due on XXXX/XXXX/XXXX ( Monthly payments ). Recently SoFi has been pushing for me to set automatic payments via emails and notifications when I log into my online account. They also advertised a reduced interest rate for setting up automatic payments. Once the payment for XXXX/XXXX/XXXX cleared my checking account and my account with SoFi online reflected next payment due on XXXX/XXXX/XXXX I set up the automatic payments. Upon completing the steps for automatic payments a screen came up verifying that I would like to start auto payments effective for payment due XXXX/XXXX/XXXX. I verified that was correct and was then under the impression that my next payment would be auto drafted from my checking account with XXXX XXXX  XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX. SoFi then without my authorization deducted a payment of XXXX} on XXXX/XXXX/XXXX from my checking account with XXXX XXXX XXXX. This unauthorized deduction caused an overdraft of my checking account. My account does have overdraft protection but I was penalized a XXXX fee and I also had to stop another check that was out for that account. At no point did I authorize SoFi to deduct any form of payment from my account prior to XXXX/XXXX/XXXX. At no point did SoFi disclose that they would make such a deduction. I contacted SoFi customer service to resolve the issue twice. Each time I was told a different story as to what happened and no fair resolution was offered. I had asked politely to speak to a manager but was informed there was none available and they would call me back. No contact has been made on their end to date.

Company response to consumer: Closed with monetary relief