BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whom It May Concern : I reviewed a copy of my credit report and found the following items to be an errors. Here as follows is the items in error : Collection Agency : Portfolio Recovery Associates ( XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ) Original Creditor : XXXX XXXX Balance : {$560.00} Account Number : Reports shows no account number ( being that one was never established ) Open Date : Listed as XX/XX/XXXX Collection Agency : Portfolio Recovery Associates ( XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ) Original Creditor : XXXX XXXX Balance : {$660.00} Account Number : Reports shows no account number ( being that one was never established ) Open Date : Listed as XX/XX/XXXXXX/XX/XXXXBasis of Dispute E.g., I never had the accounts in reference with this creditor and I do not owe this debt. Invalid information listed on credit Reports -  original. I did not sign an agreement to pay for any services with XXXX XXXX nor did I sign an agreement with the collection agency -Portfolio Recovery Associates . I have received no mail regarding me to verify this false debt. This false claim of a debt owned was with another collection agency XXXX XXXX XXXX  and was removed for the same false accusations. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. Thank you for your time and help in this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: MoneyLion Inc.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have been attempting to contact Money Lion for 10 days. I have been sick in the hospital and did not receive a paycheck today. They did not respond to me until the day before payment was taken, and they told me I needed to notify them 3 days in advance ... which i did but they didnt respond until 1 day. Then I asked about why my investment account is negative {$80.00}, when there should be at the very least {$100.00}. The one person advised me I took a payout, i advised him I did not take a pay out and I need them to look into it. They did not get back to me, so I did a chat with another representative who then kept copying and pasting things about the stock market without ever even looking at my account. So now I am negative {$200.00} because this company couldnt be bothered to respond to me 10 days leading up to my payment, then they refuse to give me a solid answer as to where my money in my investment account went.

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 2021-10-14
Company: The Receivable Management Services LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2021 collection company name receivable management Se, reported the amount of {$920.00} on my credit file, when I contacted the company they did not had my correct information like my address and phone number and they told me the amount is forcar insurance charges which I never had. 
I explain them I do had place fraud alert on my credit file since XX/XX/2021 as I was seeing someone trying to obtain credit using my information as I was seeing all the inquiries on my credit file so I decide to pick my file and put fraud alert. They said as the information is not matching with your address and phone number we will investigate but they did not remove that account from my file yet. 

I request please investigate the matter and and ask the company to immediately remove the account from my credit file thanks.

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 2019-06-18
Company: LUCKY MONEY, INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
XXXX XX/XX/2019 I made a transaction for {$350.00}, the transaction sits down til XX/XX/2019 until I filed a follow up asking them why its not yet delivered later that day I received an email and I replied to cancel the first one as I have already made a new transaction as always being done even if I know that this is advantageous to me because of lower rate and they immediately agreed and they deducted {$350.00} on XX/XX/2019 and another on XX/XX/2019 but it was delivered almost 2 weeks later. I asked them why charge me twice when we already agreed to cancel the first one day before and they said they will return my money thru mail and I insist to return it ASAP as I need it to pay my bills am late with my house payment cause of their greediness

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: EQUIFAX, INC.
State: WA
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 an unpaid charge off status with the XXXX XXXX partial account number XXXX. ( Please see page 4 of the attached credit report. ) This account reports a balance due of {$3800.00}. This account was paid off several years ago. The account information was confirmed by the customer service department. This incorrect reporting is harming my credit score. Please remove this line item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: Bread Financial 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: Information belongs to someone else

Complaint:
XXXX XXXX XX/XX/XXXX they got a hard inquiry on my credit report today inquiry I didnt request ... 
XX/XX/XXXX XXXX got a hard pull I didnt request i never applied for nothing I disputed the inquiry and the refused to remove it XXXX XXXX XX/XX/XXXX have a hard inquiry on my account i did not to or approved I disputed the inquiry but they refused to remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was in forbearance with Rushmore Loans from XX/XX/XXXX to XX/XX/XXXX and I have the forbearance documents stating that. I have made 6 payments and the requirement is only 3 since exiting forbearance and I am trying to refinance my loan. The lenders I have worked with say they can't refinance my loan because my current lender has me going through a loan modification trial period. They raised my payment about {$150.00} for the last three months to see if I could make the payments, and I have. I want to refinance this loan to get a lower interest rate and prevent my current lender from only giving me the option of a modification. Their plan is to take my missed payments and add that to my current loan balance. I do not agree with that and feel that is predatory lending practices. Why should the missed payments be added ON TOP of the loan balance rather than at the end. They will get their money because IT IS ALREADY PART OF THE LOAN. So if I owed XXXX and I missed XXXX in payments, HOW DOES THAT MEAN THEY CAN ADD THE XXXX ON TOP TO MAKE A NEW LOAN BALANCE OF XXXX???? IT DOESN'T MAKE SENSE. I DID NOT GET ANY EXTRA MONEY. If anything, they should just extend the length of the loan, not add it to the balance.They refuse to work with any of the lenders that contact them about my refinance. They just say I am delinquent and never mention the forbearance. They will not give up any documents at all. 
Anyway, the new lenders are telling me that even though I exited forbearance, made double of the number of required payments after forbearance, they can't refinance me because my current lender is dragging their feet to do a loan modification!! How is this even fair??? Is it true that I can't refinance if they are doing a loan modification??? If so, WHY NOT??? They will still get their money because I have to refinance the entire amount of my original loan anyway. If this is common practice, HOW IN THE XXXX DOES THIS HELP PEOPLE WHO HAD TROUBLE DUE TO THINGS OUT OF THEIR CONTROL ( C O V I D!!!!!!! )????? Please return my email or call me at your earliest convenience so i can get out from this terrible lender!! Please have a heart and help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX, I sent a wire transfer to Coinbase, Inc to deposit funds into my account. It 's now been over a 12 ( work ) days and the funds still have not been credited to my XXXX account. The transfer should have taken a day, as indicated on their web site. I tried to contact them several times but no response ( except their automated emails ). My Case number is # XXXX.I also checked the wire transfer with their bank ( XXXX XXXX XXXX ) which confirmed me they received the money on XX/XX/XXXX. 
Here 's some info about the wire transfer : Date : XX/XX/XXXX Amount : { {$2000.00} } IMAD : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: Conn's, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have paid off my amount for the XXXX equipment that I purchased back in XXXX of last year. My last payment I paid in full with no balance owed this year in XXXX. I was told that I would not be penalized for missing a payment due to the representative inserting my method of payment incorrectly. The manager stated that he will take care of it and I would not be charged for a late fee. I have been harassed by email and calls for the amount that Conns XXXX are saying that I owe. I have been back and forth with different reps there that said they will take care of it, and when it comes to find out they did not. I did not hear from Conns until XXXX of this year stating that I owe them. I thought it was taking care of because the Manager stated to me earlier this year that it would be taking care of. I am being Harassed!! Im am tired! They are not trying to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a bankruptcy on my credit report the belongs to a relative 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 explanation
Consumer complaint received 2019-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX ; XXXX and Transunion are reporting an unpaid charge off status with the XXXX XXXX partial account number XXXX. ( Please see page 4 of the attached credit report. ) This account reports a balance due of {$3800.00}. This account was paid off several years ago. The account information was confirmed by the customer service department. This incorrect reporting is harming my credit score. Please remove this line item.

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 2020-09-25
Company: DISCOVER BANK
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Hello, I continuously have submitted certified letters to all three credit bureaus making them aware of my address change for a while now, Discover Bank updated my address and remove the late payment due to my statements werent going to the correct address and thats against the Fair Credit Billing Act ( FCBA ), however a month later they added the late payment back and I didnt receive anything in writing that an inaccurate delinquent payment would be added back on my credit and that is against the consumer protection law, it requires a 5 day written notice prior to reinserting deleted items. I'm asking that you delete this inaccurate late payment due to my statement didn't go to correct address and that you update my address so that my statements can come to my home address which is the correct address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 reached out to the bureaus on multiple occasions and they have not honored my request in a timely manner. I sent in disputes on XX/XX/XXXX and I need this request completed and items taken care of.

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 2017-07-02
Company: General Motors Financial Company, Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX is trying to collect on an alleged debt that is reporting on my credit report by Gm Financial as a profit and loss writeoff but is showing a balance of {$2700.00}. I have requested debt Validation and it was not properly validated by XXXX XXXX XXXXXXXX. I also disputed with all 3 credit bureaus and it cameback as verified. However, when I requested Method of Verification I received nothing. I would like for Gm Financial and XXXX XXXX XXXXXXXX to stop trying to collect on this alleged debt and to remove it from my report and all 3 credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-23
Company: General Motors Financial Company, Inc.
State: IN
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:
GM Financial sent an invoice for lease end fees which was received by me approximately three days before it was due, and with absolutely no information regarding the rationale for the charges. I attempted multiple times to challenge this before contacting CFPB. The CFPB inquiry fortunately finally got me a response from the company. Unfortunately, the company 's delay in response resulted in over a month without resolving the issue. Before I even received the physical copy of the response from the company, they reported my account ( which was being contested by me ) as past due. The company is now refusing to remove that reporting, despite the fact that the payment was not made as a result of the company 's own delay in response. I feel they are trying to use credit reporting to strong-arm consumers into paying unsubstantiated assessments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have been unfairly & horribly treated By BoA over the past year they have banning and restrict me closing accounts one by one for some unknown made up Business Decision super odd out of the blue I have all my house car phone bills attached to these accounts and to just oh lets mess with him again and close restrict access is Absurd and straight up mean I have done both and have been with BOA over XXXX years Got my first credit with you guys and to be treated this way is something else I received this email which I never requested to disable and I call and they cant provide no information just was a business decision out of the blue no letter no email no call nothing just oh we can do that anytime. This is going to take a huge toll cant believe it

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 2022-08-12
Company: EQUIFAX, INC.
State: NY
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 various 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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
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 XXXX XXXX XXXX, NY XXXX, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: AES/PHEAA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have ask XXXX XXXX on XX/XX/2019 via email to provide me with the estimated value of my loan in 25 years when it will be forgiven. No response see was provided until XX/XX/2019, which stated that it is impossible to calculate. I gave them an average payment I make per month and the interest rate and asked them to calculate that on XX/XX/2019. No response was given until XX/XX/2019 stated it was impossible to calculate. The problem that they refuse to acknowledge is that I have a right to know the approximate value of my loan at the end of the term. I owe {$180000.00} at this point. I have paid {$26000.00} in 6 years on the loans and only {$1000.00} has gone towards principal. I have no way of getting ahead on these loans without information. They refuse to provide that. It is criminal how little of my payments have been used to cover principal and I am also complaining about this. I have called in multiple times in the past to find out if there are better programs available to me and none are given. At this point, i can only guess that I will owe over {>= $1,000,000} at this rate putting me owing an amount of taxes I will never be able to afford. I need help to figure this out because I am in financial ruin over this and will most definitely be bankrupt at the end of the term and need to figure out my options. I can't do so without an somewhat accurate idea of what my financial situation will be which is based in this loan and some sort of payment plan that doesn't have me giving tens of thousands of dollars to a government agency via a ridiculous amount of interest they charge that can not even be applied to hiring staff educated enough to answer a simple question. I have paid {$26000.00} for 1 simple question to be answered and I would like a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I tried to get quotes for refinance with Quicken on XX/XX/XXXX from a person names XXXX XXXX. 
I had asked if they would provide an improved pricing for bringing in a few mortgages. He reassured me, on a recorded line, that they would absolutely provide additional discounts for bringing in a few mortgages, and I only need to start the application and he needs to run a credit check. 
After providing all the information I discovered that I was lied to and in fact there was no discount on the mortgage rate and there was never an intention to provide an additional discount for refinancing multiple mortgages. 
I tried to resolve this with Quicken leadership however they failed to acknowledge what was done. They refused to provide me with a recording of the calls even though they acknowledged that they were recorded. 
They are clearly covering up for this fraudulent act and are refusing to take responsibility for this. 
Especially since XXXX lenders need to be honest and upfront with their customers and not lie just to " hook them '' to get mortgages from them. 
What happened with this guy XXXX was clear fraud just to get me to apply with quicken so he can get his commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
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: Public record information inaccurate

Complaint:
Experian has listed inaccurate information on my credit report : Record Type : Bankruptcy chapter XXXX Filing Date : XX/XX/2011 Amount : {$0.00} Reference Number : XXXX Court : XXXX BKPT CT GA XXXX Plaintiff : - ( Blank ) ON the grounds of the Fair Credit Reporting Act - This information Experian is publishing has to be reported correctly. Any error in the way the credit is bureau grounds for having this information removed from my credit report. Inaccurate reporting is Plaintiff -  reports as blank ( no one ) and Amount of Bankruptcy - reports as {$0.00}

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