BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-09
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:
I AM FILING THIS COMPLAINT BECAUSE EXPERIAN HAS IGNORED MY REQUEST TO PROVIDE ME WITH THE DOCUMENTS THAT THEIR COMPANY HAS ON FILE TO VERIFY THE ACCOUNTS I DISPUTED. 
PLEASE RESOLVE THIS MATTER AS SOON AS POSSIBLE THANK YOU.

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 2020-09-06
Company: KEYCORP
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
This is a problem with KeyBank. I initiated a {$3000.00} transfer from my Cash Reserve Credit Line to my Home Equity Line of Credit on XX/XX/XXXX. The transfer from the credit line shows on my account as of XX/XX/XXXX, and I have been paying interest on that credit line since XX/XX/XXXX. However, the payment to the Home Equity Line of Credit has still not been posted, as of XX/XX/XXXX. I have paid interest on both accounts ( the Credit line AND the Home Equity LOC ) for a week. I called KeyBank on  XX/XX/XXXX, at which time they told me the payment would be posted by Wednesday, XXXX, XXXX. When the payment did not appear on my account by Thursday, XXXX XXXX, I called again. The KeyBank representative told me the payment could take up to 5 business days to post. Checking my account again on Friday, XXXX XXXX, the payment still hadn't posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 reported not my inquires to them of inquires that were not mine XXXX from XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX. 

On Transunion reported not my inquires XXXX XXXX XX/XX/XXXX XX/XX/XXXX On XXXX reported not my inquires XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XX/XX/XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2021-01-30
Company: ERC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hi, I had service with a phone provider ( XXXX ) My services were disconnected on XX/XX/XXXX. 

My unpaid balance in the amount of {$220.00} was assigned to a collection agency ( XXXX XXXX XXXX ) and I started making payments on this unpaid balance in XXXX of XXXX. 

My payment arrangement was set up to be 4 automatic payments of {$56.00} beginning on XX/XX/XXXX - XX/XX/XXXX. 

I completed this payment arrangment and all 4 payments were withdrawn on the below dates : XX/XX/XXXX of {$56.00} XX/XX/XXXX of {$56.00} XX/XX/XXXX of {$56.00} XX/XX/XXXX of {$56.00} There was a auto-payment error on the collection agencies end where the payment for XX/XX/XXXX did not get auto-drafted. I called the collection agency to confirm this and they informed me payment would resume on the following month no issues. 

After paying my final payment to the collection agency to fulfill my obligations on XX/XX/XXXX there was no communication afterwards between me and the collection agency ( XXXX XXXX XXXX ) or my previous phone service provider ( XXXX ). 

On XXXX  XXXX, XXXX, I received a written collection notice from another collection agency ( XXXX ) that I had a unpaid balance due from ( XXXX ) in the amount of {$110.00}. 

I contacted my previous phone service provider ( XXXX ) and the previous collection agency ( XXXX XXXX XXXX ) to get an explanation on where this additional balance owed was coming from and why this was not communicated sooner or included in the amount assigned to the collection agency I made payment arrangments with. I have not been able to get a reasonable answer. 

I believe the amount owed was falsely represented when I made my original payment arrangment in XX/XX/XXXX with the assigned collection agency. I received no communication/notice that additional monies were owed/due from either the agency or my previous service provider between the time I made my last payment on XX/XX/XXXX through the time I received a written notice on XX/XX/XXXX. 

This balance is now with a third collection agency ERC and was added as a negative debt owed to my collection report on XX/XX/XXXX. I've been disputing it ever since I received the notice on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: EOS Holdings, 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: Account status incorrect

Complaint:
XXXX ( amount= {$8500.00} ) XXXX the account has been transferred to another creditor ; should be removed from credit report XXXX ( amount= {$4400.00} ) XXXX the account has been transferred to another creditor ; should be removed from credit report XXXX ( amount= XXXX ) Account Status= Negative the account was closed and paid in full with no late payments XXXX  XXXX XXXX the account has been paid in full to delete from credit report ; please remove XXXX XXXX ( XXXX XXXX ) the account has been paid in full to delete from credit report ; please remove XXXX ( XXXX ) the account has been paid in full to delete from credit report ; please remove Please remove all of the following account off my credit below : XXXX  Unverified account XXXX XXXX XXXX Unverified account XXXX XXXX Unverified account XXXX  Unverified account XXXX XXXX Unverified account XXXX Unverified account XXXX Unverified account Contract Callers XXXX Unverified account XXXX XXXX XXXX XXXX Unverified account XXXX XXXX XXXX XXXX Unverified Account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: MARINER FINANCE, LLC
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: Reporting company used your report improperly

Complaint:
On today, I received a collection call from Mariner Finance which I have a loan with that it almost 30 days past due. The agent XXXX called to see if I would be interested in filling out an app to refinance my loan to get an extra money and to update my account to current. I refused starting that since I was unemployed I did not want them to run a credit app on me because I wanted to ensure I didn't have any extra credit dings on my credit and bring down my credit score and she agreed not to as I told her that my payment would be made in 2 weeks once I get my tax refund. 

Immediately when I got off the phone, I received a credit alert that they ran a credit app on me for an extended loan for which I didn't request. I called her back to confront her and asked why they ran a report when I specifically asked her not to. She said they ran a check on credit that didn't impact my credit which was a flat out lie, I told her that the kind of pull they did was an actual hard request for credit pull, not a soft one that a creditor does when they want to evaluate credit. This brought my credit score down and they want do anything about it or reverse it's course. Not sure why they ran this report on me but I want it reversed. Here 's info on the company below. 

Mariner Finance XXXX XXXX XXXX. 
XXXX, TX Phone : XXXX Branch Manager - 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 2019-10-22
Company: The CBE Group, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Today I answered a spoofed number that has been harassing me. They claimed they were the CBE agency and they've called me 5 times in four days during work. I asked what it was for and they said it was for XXXX, I wasn't aware I owed anything. The rep XXXX XXXX stated they sent me over 5 letters so I asked for dates they weren't sent.She then stated it got sold to them and they sold it to another company. I asked for the address to the company so i could send a validation letter she wouldn't give me one. I then asked why isn't another company contacting me if they sold them the debt she couldn't answer. She stated she couldn't give me dates sent but they were sent multiple times. I asked to speak to the supervisor who the rep stated was XXXX XXXX. The supervisor got on the phone and she stated today was the first time they contacted me and they also have a address which they gave me as XXXX XXXX XXXX XXXX, IA i XXXX  it and I'm not sure if that's even correct. I was never sent anything before. They couldn't even tell me what it was for only it was from XXXX. It doesn't make sense because it's all conflicting info, and I expected to get answers but just got a hard time. 

They've called me XX/XX/2019, XX/XX/2019, XX/XX/2019 and twice today the XX/XX/2019. They didn't leave any messages and according to XXXX they've called many more times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I filed a dispute with Transunion recently with supporting documentation of a charge off. I have credit reports going as far back as XXXX that reflects XXXX updating my credit report to show this account was closed and charged off as of XX/XX/XXXX. After filing the dispute the creditor changed the closed and date major delinquency was first reported to XX/XX/XXXX. These are tactics creditors use to reage debts delinquencies. When the creditor changed this date my credit score dropped more than 20 points and I now have a new charge off reflecting. I had not been affected by this charge off anymore seeing as though it was almost 6 years old. After speaking with a supervisor at Transunion she stated to me every time I disputed the account the creditor changed the charge off date. She also stated I did a dispute in XX/XX/XXXX and the creditor change the major delinquency date to XX/XX/XXXX then changed it back to XX/XX/XXXX years later. The supervisor stated she was unable to make any changes because XXXX had the account locked and it was out of their hands. I felt hopeless and decided to settle this debt with creditor although I felt I did not owe the debt. Still the creditor is reporting inaccurate information. The creditor also wrote the debt off as a profit loss/write off in XXXX. I reached out to a lawyer and they stated to me that I needed to file a complaint because Transunion has violated sections 609 and 621 of the FCRA by not correcting inaccuracies and not conducting proper investigation. I am asking that Transunion delete this tradeline immediately due to inaccurate reporting and I am providing all documents. Ceo XXXX XXXX sat with the US House Committee and stated he was fixing this broken system to aid consumers. I have been denied a mortgage as a result of this and I have been completely stressed out. I have felt completely helpless as a consumer.

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 2020-09-06
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bur

eau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
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 2022-11-30
Company: Mercedes Benz Financial Services
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: Experian Information Solutions Inc.
State: PA
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 derogatory information on my three credit bureaus from XXXX, XXXX and Experian that are not correct I’ve tried numerous of times contacting and speaking to the credit bureaus about the negative information there reporting on my credit report and I have also complained to them that someone who I know and trusted which was a family member that used my personal information to obtain credit using my personal information also there are lots of hard inquiries being reported on my credit reports which I didn’t authorize could someone please help me out with these problems I’m having thank you.

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 2017-09-18
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Placed a dispute with Equifax about reported information on XXXX XXXX, XXXX and still have not received resolution. Attempts to contact the company go unresponded to. Sent letter, called phone number on website, Constant busy signal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
JXXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute

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 2018-02-09
Company: Rosebud Economic Development Corporation
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
I closed on a cash out refinanceXX/XX/XXXX. Checks were made by the title company. Checks were issued only to creditors. Check for XXXX XXXX was XXXX XXXX My payoff was XXXX $ to XXXX. I sent the check priority mail with tracking # XXXX and was delivered to XXXX at XXXX XX/XX/XXXXInstead of paying my loan balance off and returning the overpayment, as several other creditors have done, they took a XXXX $ payment out of my account XX/XX/XXXX. After an hour on the phone with XXXX and several times being placed on hold, I was told " it takes time to process it ''. " we can't accept an overpayment '' " we can't say that we have received it '' and on and on with going around and around in circles. I never got a straight answer.

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 2021-03-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Approximately 3 weeks ago I noticed a withdrawal and I believe it was 2 charges that did not belong to me or did I consent to them. So, the account was closed and a new card was issued that was also closed when I received it. In the interim I was told it would take approximately 5 business days to resolve the matter. There have been additional deposits made to the card and I have not been able to access any of the money on the card. BANK OF AMERICA also has engaged in false advertising claiming XXXX liability to the consumer for charges unauthorized, to the card. I have done everything required and still am forced to wait any help you may provide will assist me and many others to move forward

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 2020-05-22
Company: Experian Information Solutions Inc.
State: OH
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 tired to dispute a car loan that was opened/co-signed in my name by a former spouse. During the time the loan was opened I was XXXX  so there is no way I can possibly have opened the loan. I have documents to prove that as well and will add those to my compliant. I have tired 3 times now and can not seem to get them to remove it. The documents will show I was in XXXX  on XX/XX/2016. I had trial XX/XX/2016 and my XXXX was XXXX XXXX which would make no sense as to how I would be able to get a car loan

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 2021-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I am XXXX years old and had applied for a loan and was told about my credit, I was in very surprised and started trying to resolved this issuses

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 2017-08-11
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Coinbase are illegally stopping customers from withdrawing their money. This is happening to hundreds of people ( on the Coinbase forum ).
As requested by Coinbase, in order to verify my bank account ( for withdrawing funds ), I sent a XXXX payment of XXXX euros on XXXX/XXXX/XXXX. I waited a long time for it to go in. It didnt go into my digital wallet, so I sent another one, which reached my wallet on XXXX/XXXX/XXXX. Each time being charged by my bank to send the payment. Coinbase have still not verified by bank account, so I ca n't withdraw money, even though it states 1-2 days after it enters the wallet. Ive contacted Coinbase numerous times but they are not responding to my support tickets, or XXXX messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Caliber Home Loans, Inc.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a mortgage with Caliber Home Loans, and am working to refinance the loan. Early in the process we agreed to terms, and they requested we lock in the rate. So we did. However, they only locked in the interest rate. They changed the points amount throughout the process. We noticed early on that the points were increasing to get the previously agreed upon interest rate and amount related was increasing over time. 

Because we noticed this and brought it up a number of times, they gave us a lenders credit to offset the difference. Therefore, we don't personally have any damages ; however, this is an extremely sneaky practice by Caliber to increase the amount they charge people for mortgages. I am sure there are a significant number of people that they have done this to that have not identified the changes.

Company response to consumer: Closed with explanation