BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery is trying to collect on some alleged debts. The issue is they have furnished inaccurate information to the bureaus. They are not wanting to take responsibility for this issue. I have reached out to them several times. I have filed a complaint with the XXXX also have taken this to the Bureaus at least 5 times. I have supplied supporting documents each time and they keep verifying the information as accurate. This is hurting my credit as I am trying to buy a home. This collection agency refuses to do a thorough investigation. XXXX, XXXX and XXXX  are also failing to do a thorough investigation. I do believe the bureaus are supposed to do an independent investigation in which they have failed to do several times. PRA claims they have no supporting evidence but I have sent in a pic of my credit report as well as statements that show the different amounts. This company calls me a million times from several different numbers to try and collect a debt they've listed on my credit report when the information is inaccurate. This is absurd. 
Lastly I have asked for an agreement from them and proper validation of debt for these alleged debts they're trying to collect. They refuse to send me proper validation. I had some credit cards on my account I did not open they were opened by my ex husband while he was on XXXX Mailing me billing statements is not helping me any. Some of the original creditors have removed the debts from my credit because I did not authorize any cards to be in my name. PRA refuses to send me proper validation of these debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX XXXX has been contacting me, threatening court, additional charges, and accusing me of ignoring their calls. I am a XXXX XXXX XXXX and was a XXXX  shift XXXX XXXX XXXX XXXX XXXX who had been working 10-15+ hour shifts, driving over an hour to work. 

On XX/XX/XXXX, for almost 30 minutes, I had a credit debt account executive and a manager get on the phone, the manager- a male- constantly interrupting his employee and myself. I asked for information to be emailed and I would check my mail again. He was very aggressive, trying to get me to commit to a payment over the phone and to not fact check anything either one of them was saying. I repeatedly asked for a couple days to review finances and information to which he replied that I'm in this situation for ignoring their calls. 

Throughout 2020, I contacted XXXX XXXX, asking for relief for credit cards due to covid-19 impact, loss of income, and XXXX. The misinformation, inconsistency, and incompetency has now resulted in my account being charged off, after I had set up payment arrangements in XXXX, for a 3 month period. 

I had no clue or was unaware of my credit card account being sold to a collection agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-01
Company: TRANSUNION INTERMEDIATE 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: Account information incorrect

Complaint:
My vehicle was repossed at 17 days with out notice. When I finally located my car I called with confirmation of payment and I was informed there system was down because the system was down I could no retrieve my car. I had to wait until Monday there system was working I had to pay more storage fees and drive over two hours away to pick up the car from an auction lot. The finance company refused to work with me on removing the reposition from my credit as a sign of good faith since I have been making my payments on time and also there was the issue with the computer system please is there anything that could be done I 'm trying to rebuild my credit and this is causing a lot of problems 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 2019-06-05
Company: Security National Automotive Acceptance
State: AK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I was having a hardship paying my car payment and SNAAC didnt offer a payment plan or a lower payment for longer. They just said to get an XXXX XXXX XXXX loan which is not for withstanding debt. I called to try to give them my credit card and the Customer Service Agent said it wasnt accepting it because it was declined before but I had money at the time. I have two loans through them and I accidentally payed for the wrong car. The one that was wrecks with no insurance so I have been paying on it anyways since 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: Nelnet, Inc.
State: ME
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My Husband and I have been paying our loans through the company XXXX XXXX since getting out of school in XX/XX/XXXX and XX/XX/XXXX. We do have a variable interest rate on our loans but we just received a letter that we feel is not fair. 
Every year our loans go up because of interest increasing but we received a letter on XX/XX/XXXX stating that they made a mistake with the interest rate between XX/XX/XXXX and XX/XX/XXXX and they didn't charge us enough. They are going to ask us to cover the cost of their mistake which coule be a lot of money. My husband owes over XXXX on his loan and I owe about XXXX ; so a year of lower interest could be thousands of dollars. 
We already pay this company XXXX and XXXX a month and are struggling to make those payments. 
Please let me know if this is acceptable I can attach the letters below There are no financials details as well, which is normal from this company. 
In previosu years when our loans amounts increased instead of sending letters, informing us of our new bill amount, we get phone calls regarding late fees because we didn't pay enough money in the previous month. 
They are very frustrating to deal with Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: Open Dealer Exchange, 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: Information belongs to someone else

Complaint:
On XX/XX/2020, 700 CREDIT/XXXX XXXX add a hard inquiry on my credit report per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: SYNCHRONY FINANCIAL
State: NY
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:
On XX/XX/2021 I attempted to make a purchase at XXXX for a laptop for my son to use as he is doing remote learning and needs the device. I called the number in the back of the card and the automated service stated my credit limit is {$1000.00}. I checked my credit report through my bank as this service is free and noticed a credit alert. The alert indicated I had a credit decrease from XXXX rewards. XXXX reward decreased my credit from XXXX to XXXX on XX/XX/2021. I immediately contacted customer service, as I never received any notices. During the call I was told the creditor decided to decrease my credit. I asked why I was not sent a notice nor did I receive email or letter etc, as Ihave been a loyal customer for years who have never been dilenquent, always paid on time and my credit is in good standing. I was told by the representative that they do not send notices and can decrease or close without warning nor alert. I explained to the representative that during this time I have been depending on my credit and would have made a decision have I been alerted on my posible credit change. The representative offered no help with this matter, simply stating the company does not have to send a notice of their intent to the customer.

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 2018-02-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Today, as alerted by my calendar, I tried retrieving online my free annual credit report from Equifax. As usual, they refused, asking me to apply by snail mail. No reason is given ( " We are not able to deliver your free Equifax Annual Credit Report online '' ). 

They do ask 4 " identity '' questions, 2 of which are related to items in my credit report and I can answer precisely, another 2 aren't ( this is determined with a copy of my most recent Equifax credit report that was sent to me by mail ), and are best answered as " None of the Above ''. 

Equifax ( as well as XXXX  ) do this every year ( All of XXXX 's questions are relevant and can be answered precisely, and XXXX 's report is always available online ). Equifax  ( and XXXX  ) just plain refuse to show me my credit report online. Will this Bureau put an end to this abuse?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: Square 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 had a cashapp account XXXX XXXX. Balance in my account was around {$120.00}. I changed to a new XXXX. There is no way in their app to deal with changing over to a new phone. Ive had over 15 emails with their service people. Ive provided al the information they requested and jumped through endless hoops and requests. After two weeks of this they simply said my request is denied and now all the money in the account is lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: TRUIST FINANCIAL CORPORATION
State: PA
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:
Regional ACC likes to violate the fair reporting credit act, I dont know this company and havent done any business!

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 2020-08-27
Company: EQUIFAX, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax is the worst credit reporting agency when it comes to getting inquiries off my credit report!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020, I sent a letter to Equifax about inaccurate and unverifiable items on my credit report. It has been over a month and I have not received a response from anyone. I feel like my dispute letters are being ignored. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 30 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for funding to start my own business but my credit is making the process a lot harder.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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:
I called the company to do an investigation regarding ( Late Payments ) that were made. They were sent proof in the form of bank Statements and Letters from the bank. 


XXXX XXXX XXXX and XXXX XXXX are Inquiries that were not authorized

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-16
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I recently moved from XXXX to XXXX. Since XX/XX/XXXX I've been trying to get a letter of permission from Kia Motor Finance to register my car. Since then I have not been able to drive the vehicle because it is not registered and I don't have tags for the car. XXXX law requires registration with 30 days of permanently moving to XXXX XXXX. 

I haven't gotten any updates from Kia and when I call customer service all they have to say is that it's being dealt with by a different department. It's been 5 weeks and I have no Idea what's going on and I have not been able to use the car.

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 2020-08-27
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
PayPal 's website is not functioning at the moment. I have tried to file a tech complaint 8 times just tonight alone, and their website consistently reads error without explanation. I've not been able to link my bank account to their website for TWO MONTHS now and they do NOT provide live customer service. It's a chat or automatic answering machine and they are not helpful. I have accrued two late fees but nobody at that company is able to help. Their XXXX, XXXX, and XXXX accounts are FLOODED with customer complaints or scams and technical issues.

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 2021-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I'VE DISPUTED THESE ACCOUNTS AND THIS IS A VIOLATION THAT THE BUREAUS CONTINUE TO REPORT INACCURATE INFORMATION. THEY CLAIM ITS BEEN VERIFIED AND ACCURATE BUT HAVE NOT PROVIDED ME NO INFORMATION SAYING THIS ACCOUNT IS MINE. HOW CAN XXXX REMOVE THE ITEMS AND THE OTHER BUREAUS DOESN'T? THIS IS A VIOLATION BY ITSELF. REMOVE IMMEDIATELY. 
SEE 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 2021-02-09
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have been contacting Coinbase since XX/XX/2020 to lift holds that have been put on my account. 

I am not given any information as to why my account is restricted, just with the following message - " Account Restricted You are currently unable to buy and sell crypto on Coinbase. Please visit https : //support.coinbase.com for assistance. '' When I visit the webpage and submit, they don't respond at all. I have more than {$10000.00} worth of money there and I can't sell/withdraw that money to my bank account. 

This is a repeated pattern and you can see them intentionally ignoring all the customer complaints at XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-24
Company: NCB Management Services Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a car that was purchased with my XXXX  husband and when we got divorced he stole the car and hid it. I assisted the authorities with the recovery and now it is showing up on my credit report with twice for the incorrect amount. They resold the vehicle but are attempting to collect the entire amount ( twice ). I have tried to fix the issue with them but i have two collections on my report for the same amount instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: EQUIFAX, INC.
State: AL
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:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX  Reviewing my updated letters from the reporting agencies, they have not removed my unauthorized inquires when I specifically stated it violated the law. FCRA 15 U.S.C 1681b states they must have a permissible purpose. Yet they have shown proof of the unauthorized inquiry. This has been stressful. The last time I submitted a complaint they stated it was it wasn't authorized so I'm complaining again. They are saying that to stall. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all the documents that they have recorded and retained in their file, and they have not done that. This is my second time disputing and filing a complaint about the information that is unauthorized. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). I can not wait for another 30 to 45 days to get these items removed. Please help! Please don't say this isn't me filing the complaint!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: EQUIFAX, INC.
State: OH
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:
I was contacted by mail by XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX That they had interest in purchasing my XXXX XXXX from my lease and to look at the new specials they had on vehicles. I went in on XXXX/XXXX/17 because they needed to give me an estimate on my car before estimating what payments would be on a new vehicle. This visit was ONLY for estimate purposes. I never supplied my SSN or filled out any application, nor indicated I would be purchasing a new vehicle. I suspect they had an old application of mine on file ( I 've leased XXXX vehicles from them ) and ran my credit report without my knowledge. I was notified my Equifax report was pulled on XXXX/XXXX/17. I contacted the sales consultant on XXXX/XXXX/17 to address the issue. He promptly responded that they did not pull my credit report and that I may be scammed. I replied that it came directly from Equifax. He said he would ask his finance manager and I never heard back after that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXand the subsequent response received on XX/XX/XXXX enclosed with this letter. In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNTS 8. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

9. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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