BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-19
Company: Coinbase, Inc.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Hello, My complaint is against Coinbase. My account has been locked since XX/XX/21 - it is now XX/XX/21. I have gone through their complaint process which ended in XXXX. I have yet to receive any support from them. I have had no access to my account which has a substantial amount of vitrual currency and cash that I need to survive. I have also missed out on the ability to sell in a highly volatile market. They are IGNORING me or have taken all of my money. 

Please see reference case numbers below : Case # XXXX - Case # XXXX - Complaint # XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-19
Company: FORD MOTOR CREDIT CO.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I missed a payment with Ford Credit and moved the payment to the back of the loan and signed the paperwork on XX/XX/2021. I received a call this morning XX/XX/2021 at XXXX XXXX  PST from phone number ( XXXX ) XXXX. 

I told her it is illegal to call me before XXXX XXXX  and she argued that it was XXXX XXXX and I had to point out I live in California. 

They had no business calling me since I had signed the Docusign paperwork already and my next payment is not due till XX/XX/2021.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-16
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never been a patient or used the services of XXXX XXXX XXXX ( XXXX ) XXXX. However, the company has sent an account that does not belong to me to a collections company named SYNERPRISE CONSULTING. The collection company has since reported to the credit bureau that I have an outstanding debt and it appears on my report as a negative account which is causing a denial of credit. I have contacted both the clinic and collection company demanded to have the account removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a collection notice from Covergent regarding an account that was paid. I have sent them correspondence showing that it has been paid and asked that they stop contacting me about this debt. They refuse and have since sent more collection letters via the mail. This is harassment and they must be stopped!

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 2020-09-14
Company: Experian Information Solutions Inc.
State: SC
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: Other problem getting your report or credit score

Complaint:
Experian automated attendant starts the identity identification process and after answering the questions disconnects the call. 

There appears to be no other way to contact Experian to temporarily remove a credit freeze.

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 2019-01-23
Company: ENCORE CAPITAL GROUP 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: Account status incorrect

Complaint:
Midland mortgage is paid in full student loans are n collections addresses are incorrect social security numbers wrong numerous credit cards ran

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
okay this company bought an old account from XXXX XXXX XXXX XXXX on a car that I had 3 years ago. the car was picked up by XXXX because the was no longer running but I continued to make payments on it until XXXX of XXXX? the name of the company that's calling is Jefferson capital .I have not received any document from XXXX telling me what the car was sold for nor was I ever given a notice to bid on the car at an auction.to this date I have no documents or paper work from XXXX XXXX and the balance that Jefferson is asking for is over {$5.00} not even close because this car did not run.. it sat in front of my place for almost a year so please ask them to stop calling me..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-27
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:
These accounts DO NOT BELONG TO ME!!! 

XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$460.00} XXXX/XXXX  Opened XX/XX/XXXX Balance {$1400.00} XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$0.00} XXXX/XXXX  Opened XX/XX/XXXX Balance {$500.00} XXXX  XXXX Opened XX/XX/XXXX Balance {$700.00} XXXX XXXX Opened XX/XX/XXXX Balance {$1300.00} XXXX XXXX Opened XX/XX/XXXX Balance {$680.00} XXXX XXXX XXXX XX/XX/XXXX Balance {$830.00} XXXX XX/XX/XXXX Balance {$400.00}

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
Consumer complaint received 2018-06-07
Company: SIERRA PACIFIC MORTGAGE
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Beginning in XX/XX/XXXX of this year we began working with a mortgage loan officer to secure an FHA loan. During this process we disclosed to the loan officer that we had a federal tax lien and that we had been on a payment plan with the IRS for over two years having never missed a payment. The loan officer assured us that as long as we could show a consistent payment plan for a year that we would satisfy the requirements of securing an FHA loan. Documentation was provided to the loan officer, including bank statements showing the IRS debit and IRS documentation about the payment plan. As we moved forward on the contract for the property, all documents required for the loan were submitted to underwriting. Underwriting came back, and as a condition said we had to pay our current year and back taxes ( tax year XX/XX/XXXX ). We believe we have been misled by the loan officer and as a result this has cost us a substantial amount of time and money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-19
Company: Experian Information Solutions Inc.
State: OH
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 found an account in collections on my credit report in XX/XX/2021. This collection only appears on my Experian report and not on the other two main agencies. I contacted the collection agency ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) and they do not have any of my information in their system. I also contacted the original creditor ( XXXX XXXX XXXX XXXX ) and they also do not have me in their system. The collection on my credit reports shows the original balance as {$280.00} and the current balance is {$210.00}. Even if I wanted to pay this off to have it removed from my account, I can not because neither the collection agency or the original creditor has any of my information in their system. I have disputed this as inaccurate information with Experian 4 times and they have not removed this from my credit report.

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 2020-01-30
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I keep getting phone call from this company called XXXX XXXX XXXX. They call incessantly and leave treating messages such as : We will be contacting your employer to garnishing your wages ; we are in the process of garnishing your tax refund, we are going to take possession of your vehicle and such. 
I called them back asking them not to call me anymore and every communication should be done via official mail. They keep calling me using different phone numbers and threatening me. They are trying to collect an old debt which is past the statue of limitations.

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 2020-11-13
Company: Social Finance, Inc.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Having already submitted a complaint on this issue to CFPB ( Complaint # XXXX ), the company 's reply is a simple untruth. 

I had received a direct deposit on XX/XX/2020 for {$500.00} and thus am eligible for the said promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: Navient Solutions, LLC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received the payment booklet on XX/XX/2018 from Navient the loan payment is due as of XX/XX/2018, for the amount of XXXX. I started to make the payment as of XX/XX/2018 a week, and I began to pay {$500.00} a week ahead of the due date until today. 
Navinet falsely reported to the credit bureau that I have a late fee on XXXX, amount of {$21.00}, XXXX {$21.00}, XXXX, $ XXXX XXXX XXXX. 
I contacted them on XXXX, XXXX, XX/XX/2018 and requested the explanation for why reported the late fee while I am paying more than the minimum amount, and although the booklet begins as of XX/XX/2018, I started as of XXXX and making the payment a week ahead of time. 
Now again Navient reported to the credit bureau, that I have late on the payment. I have my record which is an indication they received ahead of the due date for more than the minimum amount. I am sick of tired of calling and talking to many clueless people. 
The problem is these people are, answered the call either from XXXX or the XXXX. I am a federal government employee, and such a false reporting will impact my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: Experian Information Solutions Inc.
State: TX
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:
Experian, RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and company 's below ran an unauthorized credit inquiry on me. 

XXXX XXXX  XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX  XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX  - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX CARDS XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact [ company name ] and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there  should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. 

If you have any questions or need additional information, please contact me at address listed below. 

Thank you. 

Sincerely, 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 2020-06-25
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I AM DESPERATE FOR HELP. DUE TO A LIFE CRISIS I LOST ALL OF MY CREDIT CARDS & AM STRUGGLING TO GET MY LIFE BACK. THE ONLY MAJOR CREDIT CARD I HAD LEFT OPEN IS CITI SIMPLICITY CARD. MY CREDIT LIMIT WAS {$1600.00} AND I MAKE MY PAYMENTS BY AUTO-PAY 2 TIMES A MONTH TO COVER THE MINIMUM PAYMENT. 

SINCE I LOST 80 % OF MY INCOME DUE TO COVID19 I  NEEDED TO RENT A CAR TO DRIVE WITH XXXX BUT THEY ONLY TOOK CREDIT CARDS, NOT EVEN A DEBIT CARD SO I CALLED CITIBANK TO PAY ENOUGH TO OPEN {$1000.00} AVAILABLE CREDIT SO I CAN RENT THE CAR. MY ACCOUNT WAS NOT PAST DUE. 

ON XX/XX/XXXX I CALLED TO PAY {$250.00} BUT THE RENTAL COMPANY NEEDED A DEPOSIT ALSO SO ON XX/XX/XXXX I PAID ANOTHER {$750.00} BOTH PAYMENTS ON MY DEBIT CARD SO THE I WOULD HAVE INSTANT AVAILABLE CREDIT AND SO I NOW HAD APPROX. {$1000.00} AVAILABLE CREDIT & WAS GOING TO RENT A CAR FROM HYRECAR STARING XX/XX/XXXX USING MY AVAILABLE CREDIT THEN CONVENIENTLY A FEW DAYS LATER CITIBANK LOWERED MY CREDIT LIMIT TO APPROX. {$590.00} AND USED MY {$1000.00} TOWARDS PAYING THE PRINCIPAL OWED!!! 

THE PHONE CALL WITH THE AGENT CLEARLY SAYS I WAS PAYING THAT MONEY TO USE FOR A RENTAL CAR & MY STATEMENTS PROVE THEY USED THE AUTO PAY FROM MY BANK ACCOUNT IN ADDITION TO FRAUDULENTLY EATING UP THE {$1000.00} I DESPERATELY NEEDED IN ORDER TO GET WORK DURING THIS PANDEMIC. 

I CALLED 5 TIMES, EACH AGENT TELLING ME MY ACCOUNT SHOWED I WAS GETTING THE {$1000.00} REFUNDED TO ME AND A WEEK LATER THE AGENT SAID THEY REVERSED THEIR DECISION & I WOULD NOT GET THE {$1000.00} BACK!!! CITIBANK USED DECEITFUL BUSINESS TACTICS BY UTILIZING MY {$1000.00} FOR THE WRONG REASONS. I WOULD NEVER PAY MY LAST DOLLAR TOWARDS A CREDIT CARD BILL & ESPECIALLY DURING THIS PANDEMIC. 

PLEASE HELP ME GET MY {$1000.00} BACK. I DO NOT DISPUTE THE LOWERING OF MY CREDIT LIMIT, I AM DISPUTING THE TIMING OF IT. THEY STOLE MY .

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 2021-05-09
Company: WINN LAW GROUP, APC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX Bank was a XXXX lean holder for a XXXX XXXX Focus I purchased in XXXX. 
I purchased the vehicle for XXXX with XXXX percent APR. The vehicle was reposed due to the payment being made to the wrong company. They resold the vehicle at auction for XXXX Which paid off the loan completely. 
In XXXX I recieved a letter stating their was a judgement against me and that I owed {$55000.00} which the original amount was paid. The company representing XXXX Bank which is XXXX XXXX XXXX. 
The creditor is coming after me by requesting a wage garnishment from my employer. 
They recently took out {$1000.00}. 

This Company is going after me during a pandemic and THE CARE ACT authorities will be notified of this debt. 
I am head of household. My debt to income is above XXXX percent of my wages. I need to report this debt as fraud as this is not a amount due, XXXX was originally paid off. Any further contact with me or garnishment will result in a class action lawsuit against both companies. You have 30 days to respond with a closure notice of this fraudulent debt. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Transunion as well as XXXX XXXX XXXX  stated this was a duplicate, its not. The fraudulent illegal activity is still there. They put it there. Illegal inquiry and information on reports!

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 2020-06-25
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX Company Inquiries : 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   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 2023-07-31
Company: COMMERCE BANK
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a cash deposit at the ATM of my bank, Commerce and the put a hold on it. I called them and they said they had to verify a cash deposit. Ive bank with them for six years and never had my cash deposit held.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello and thank you for reading my complaint! Since XX/XX/2020, I noticed a few errors on my credit report and wanted to dispute them in accordance with the FRCA etc laws. I have noticed these companies have not verified any negative item that I have disputed and yet keep reporting without proof the way the courts recognized.

Company response to consumer: Closed with explanation