BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-13
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: OpenRoad Lending
State: CA
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:
On XXXX XXXX, 2017 a financial solutions company called " XXXX XXXX '' contacted me on the phone and offered me a refinance on my existing auto loan. 
I asked them about what interest rate they can give me and they asked for my personal information. I particularly told them that if there will be a hard pull inquiry l would n't accept it at all and they insisted me that it was definitely be a soft inquiry and wo n't hurt my credit score so l said OK, just give me the rate. 

And the next day when l checked my credit reports l saw that ; Five different hard inquiries on XXXX, 1- XXXX XXXX XXXX 2- XXXX XXXX XXXX 3- XXXX XXXX XXXX XXXX 4- XXXX XXXX XXXX 5- XXXX Two different hard inquiries on XXXX ; 1- IXXXX XXXX XXXX 2- OPENROAD LENDING One hard inquiry on XXXX ; 1- XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
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:
Pursuant to 15 USC 1681 ( a ) ( 4 ), Experian infringed upon my right to privacy by publishing alleged negative information from third parties on my consumer report. 
Pursuant to 15 USC 1681b ( a ) ( 2 ), Experian received written instructions from me, nor does it have permissible purpose to furnish a consumer report about my alleged credit accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I also never provided Experian with written instructions to furnish alleged inquiries on my consumer report for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-10-12
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:
XXXX XXXX is reporting data thats not mine.

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 2018-01-24
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I have not been able to contact anyone regarding the locking of my account and funds. 


Created complaint on XXXX XXXX, 2018 XXXX PST. Still no reply after 4 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12
Company: MOHELA
State: RI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Constant getting called while I work Monday -Friday early morning I am in the process of building my credit but I do not know where to start. Left school for a little bit the loan went into default I went back to school to finish. And recently graduated not even a month after I get crazy calls. It really getting annoyed with this.i would like to figure out a way to pay it but Im still in my grace period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12
Company: Experian Information Solutions 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:
There are a couple of accounts that dont belong to me.

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 2019-10-12
Company: GREAT LAKES
State: SC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
BEING A VICTIM OF IDENTITY THEFT AND AS A CONSUMER I HAVE REACHED OUT TO BANK OF AMERICA AND TO THE BUREAUS TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I HAVE SUBMITTED MY IDENTITY THEFT AND ACTUAL STATEMENT TO PROOF MY IDENTITY AND SIGNED AFFIDAVIT NOTARIZED THAT I AM VICTIM OF AN IDENTITY THEFT. I NEED THE FRAUDULENT ACCOUNT TO BE REMOVED FROM MY CREDIT CARD. I DON'T HAVE ANY INFORMATION ON THE THEIF OR ON THE FRAUDULENT ACCOUNT. THE ACCOUNT IS CLOSED AND IT HAS A XXXX BALANCE, I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED FROM MY CREDIT PROFILE.

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 2019-10-12
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I was out of work at the time because of XXXX XXXX. I was even homeless at the time me and my family. I told the company bout everything that was going on with me. So i try to talk to them bout what was going on with the vehicle. The XXXX converter was mess up and the vehicle had no heat. It was winter and we was in a snow storm with my family in a frozen vehicle move from hotel to hotel. They told me its nothing can do bout it i had to take it up with the car dealership but they was scam artist because they lost the company because of all of the complaints that was sent to them from other people. So i had no other choice but to give up the vehicle because i couldn't pay no more on it. So i choice to let it go because i had to provide for my family to get a home over our head. I really do thank them for help me get a vehicle and im sorry for let it go but my family come first before a vehicle. I just want it to be remove from credit. I understand it was a loan but people do go through hard times and i did go through hard times but XXXX help me to get back on my feet and back to work. I just want to start over with everything. I have even i report them to better business Bureau about the vehicle. If i can get a one time payment offer that isnt to high for me to get off and them off my back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
ON XX/XX/XXXXI SENT EXPERIAN AND XXXX XXXX XXXX A CERTIFIED NOTICE OF A OFFICAL CONSUMER DECLARATION OF COMPLAINT OF NOT PROVEN COMPLETE, NOT PROVEN TRUE, NOT PROVEN COMPLIANT MIS INFORMATION TO INCLUDE DEFICENT OF PROVEN METRO 2 COMPLIANT DATA FIELD FORMATTED REPORTING. I ALSO INFORMED EXPERIAN THAT I WAS ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL THEM TO REMOVE THE ACCOUNT WHICH WAS DISPLAYING VIOLATIONS OF METRO 2 COMPLIACE.XX/XX/XXXX I CONTACTED EXPERIAN AGAIN IN REFRENCE TO THE FALSE STATEMENT THAT WAS PRESENTED IN THE INVESTIGATION RESULTS ( PLEASE SEE ATTACHMENT ). I CONTACTED XXXX XXXX XXXX TO ALSO PROVIDE ME WITH SUFFICENT INFORMATION IN REGUARDS TO THIS ACCOUNT. THE CREDITOR NEVER RESPONDED NOR SENT REQUESTED DOCUMENTS. WHICH MAKES THIS A KNOWLING ERROR ON EXPERIAN AND THE CREDITOR. WHICH EXPERIAN STATES THAT THE ALLEGED CREDITOR CERTIFIED THAT THE INFORMATION IS CORRECT, COMPLETE, TRUE AND ACCURATE. PLEASE REVIEW DOCUMENTS THAT CLEARLY SHOWS INCOMPLETE, INACCURATE, NOT PROVEN TRUE, NOT XXXX 2 COMPLIANCE. 

INCOMPLETE ACCOUNT NUMBER NIETHER COMPANYS PROVIDED ME PAYMENT HISTORY IS INACCURATE, INCOMPLETE AND UNPROVEN CAR WAS SOLD BUT DOES NOT DISPLAY INFO- INCOMPLETE AND REPORTING LATE PAYMENT REMARKS/ UNPROVEN I HOPE THIS COMPLIANT SHED LIGHT ON THE UNFAIR ANDTHE DISREGUARDS THAT THE CREDIT REPORTING COMPANIES AND DATA FURNISHERS HAVE IN REFRENCE TO A CONSUMER CREDIT RIGHTS AND MANDATED LAWS

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 2019-10-13
Company: Pendrick Capital Partners Holding, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have received a debt collection letter for something i never had. The state that the services done is not a state i have ever been to. the state the services being billed for is a state outside of my current state and is false. I apparently received medical care at an emergency department which i never have been to. I receive all my care at one location which is the a gov hospital. The bill sent to me for a collection amount of XXXX for services done is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am the non responsible spouse on the Mortgage. I have been and continue to be the only occupant of the home since XX/XX/XXXX. 

On XX/XX/XXXX, Amerihome, mailed a letter addressed directly to me. 

On XX/XX/XXXX, after receiving the letter addressed directly to me I contacted Amerihome at the number, XXXX to request a forbearance due to XXXX  impacted by COVID-19. At the time of the call the agent verified that I was on the account. During the call the agent informed me that the forbearance would be applied and I would receive a letter in the mail. 

On XX/XX/XXXX, after not receiving the letter, I called the same number ( XXXX ) to verify the forbearance was in place and to inform Amerihome that I had not received the letter. 

The name of the 1st employee I spoke with is XXXX XXXX # : XXXX. XXXX refused to provide any of the information I requested. XXXX stated he could not speak with me regarding the loan. I asked XXXX why would I receive a letter addressed to me if he couldn't provide me with the information I requested. XXXX repeated the statement that he could not provide me any information. I then asked XXXX who could provide the information and did he see the letter addressed directly to me. XXXX said he couldn't tell me anything. I asked XXXX for a contact for someone who could talk with XXXX said a manager could not call me because no one could discuss the loan with me and gave me a phone number to call. I dialed the number XXXX provided to learn it was bogus. 

I dialed Amerihome back at, XXXX on that call I spoke with XXXX XXXX # : XXXX. He informed me that he saw XXXX 's notes and he ( XXXX ) couldn't provide me with any information regarding the forbearance or the loan. 

On XX/XX/XXXX using the information provided on AmeriHome Mortgage website ( Legal information Doc ) i filed a complaint with the Department of Savings and Mortgage Lending and with AmeriHome Mortgage. I have not heard back from AmeriHome Mortage to date.

AmeriHome actions have put my home in jeopardy. I believe Amerihome is intentionally trying to force a foreclosure. Because of tAmerihome 's unwillingness to communicate with me I had to get Home Insurance without having any of the correct information from AmeriHome. I need this resolved now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: MO
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 is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 





XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1200.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$220.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$860.00} ; XXXX XXXXXXXX Balance : {$6800.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO 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 2019-01-20
Company: DISCOVER BANK
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Denied loan

Complaint:
Respected Sir/ Madam, I am exploring the possibilities for financing my daughter 's XXXX education with private loan from bank. I am in the XXXX on XXXX visa. My daughter is on XXXX dependent visa. As a result, she is considered as international student. I am waiting in the Green Card ( Permanent Residency ) line for last several years. 

I checked with Discover, XXXX XXXX websites. While they allow international students to apply for loan, they need cosigners who are either US citizens or Permanent Residents. I feel that this is unfair. I had been given mortgage and car loans in the past which I closed successfully. I have good financial history. I think I should be allowed to remain cosigner on the student loan. I would be much obliged if you could look into it. Thanking you in advance. Best Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XX/XX/2018, I responded to a public offer from American Express Ascend ( which also appeared on my account home page ) to receive XXXX bonus XXXX XXXX points, and applied for the card and received the credit card. In XX/XX/2018, I received a statement for the required {$95.00} fee for the use of the card and paid that amount by ACH. Additionally, I charged {$2000.00} on the card in XX/XX/2018 for which I was billed in early XX/XX/2018 ( and paid the that full amount via ACH in XX/XX/2018 ). -- for which I was supposed to have received a total of XXXX XXXX XXXX Points in my XXXX XXXX Account as per their offer. The total amount of XXXX XXXX Points owed to me is : XXXX. Twice I have contacted both American Express and XXXX XXXX regarding this issue and have received no response except that American Express referred me to XXXX XXXX for problem resolution. The XXXX points from their offer have not appeared in my account to this date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-25
Company: Dovenmuehle Mortgage, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I paid off my mortgage to Dovenmuehle on XX/XX/XXXX. They recorded receipt of the payoff on XX/XX/XXXX. There is a {$7700.00} overpayment that was applied to escrow. As of XX/XX/XXXX I have still not received a check. I have called them at least 12 times over this time period and have been advised a check was coming either right away or after a prolonged delay. The person and story is different each time and every call takes over 30 minutes on hold to talk to someone. Most calls last 2 hours. It's almost 4 months and no check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I places an order on XXXX XXXX for a XXXX XXXX XXXX XXXX XXXX " White solid surface order # XXXX model XXXX item # XXXX for {$3500.00} credit discount XXXX shipping XXXX invoice XXXX XXXX tax total {$3700.00} on Friday XXXX XXXX. It arrived XXXX XXXX. 
It was on a palate with an opened box sitting on top of it to cover it. It not in a box just like a hat. 
I wanted to purchase a gold pop up valve and on XXXX website it was {$1500.00} on XXXX XXXX called XXXX XXXX and they directed me to XXXX customer service I called and explained as it was not discontinued or marked sale and spoke to XXXX XXXX who was in contact with her supervisor multiple times. I was on the call for an hour waiting, but her boss would not get on the phone. I told her i believe this was a mistake in the price advertised, but she was not able to come to the phone as she was going to investigate it and was to call me back. I explained I was unable to get anyone to install it until XXXX as Covid and no one could come. When unemployment was cut more workers now available. I called so many people all said Next year can not get workers. The XXXX supervisor never called me from online. I have the emails to XXXX which I attached from me and her email to me telling me her boss would reach out. My son called XXXX today when I told him what happened and they said they would email a case number which they did not.. My son called XXXX who said it was not supposed to be XXXX but that would be up to XXXX. A XXXX XXXX called me today from XXXX in XXXX just now after my son called today and said he can not do anything for me.

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 2019-01-20
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was taken to court by the XXXX XXXX XXXX XXXX XXXX ( XXXX ) for owing money on past due student loans. I have reached out to their legal representatives " XXXX, XXXX XXXX XXXX, XXXX. '' many times over several months to obtain proof of ownership of the loans. The law group has told me many times they have sent XXXX these request but I still have not received documentation necessary to prove they have ownership of the loans they are suing me for. 

PS - XXXX also does not list their contact information publicly and XXXX, XXXX XXXX XXXX, XXXX. will not provide it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: Kriya Capital, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Credence Resource Management reported a debt that does not belong to me without sending proper disclosures giving me the right to dispute the alleged debt. I want the debt removed from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20
Company: Big Picture Loans, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
When I got this loan I thought the fee charged was a one time fee. I didnt realize the interest rate was 400 %!!! Ive made 8 payments of {$190.00} ( {$1600.00} total ) on a {$1000.00} loan and still owe over {$700.00}. Ive paid over {$1000.00} interest and less than {$300.00} went to the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I tried to open a bank account and she informed me there was a security freeze. I have provided a copy of my driver 's license and ss card for identity verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been receiving phone calls from this company, I have no idea who they are and from past experiences, My information has been in the Credit Bureau Data breaches, and has never been corrected, They are trying to collect a debt that I do not owe, and keep calling with reference numbers. I want this to stop, It is very annoying and makes me nervous that my information is exposed to an collection company whom i do not owe. I called them an was put on hold, for a bit, No one answered after the recording just silence on the Phone. This was to day XXXX and had calls before that from diff. numbers, but go back to this company.

Company response to consumer: Closed with explanation