BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I don't recognize this accounts and inquiries. I never applied for it, I don't have any contracts or agreements with this companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: EQUIFAX, INC.
State: NY
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/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: Big Picture Loans, LLC
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I am not sure ; but they took the loan payback out of n my paycheck, back in 2012, they have been harassing me ever since for money. It 's insane!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX card is showing that I was 30 days late but that is inaccurate. I was 18 days late and 10 days late the other time both are under 30 days and are being reported inaccurately.

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 2018-04-05
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I'm trying to close a chargeback that I filed with my card issuer. My card issuer already closed the chargeback but PayPal hasn't. I filed a chargeback with XXXX because of a problem I had with an order I placed through PayPal. I closed the chargeback case through XXXX but PayPal still hasn't closed it yet and that is affecting my refund status. I filled out an affidavit form that they requested but they still haven't closed the case yet. The merchant that I ordered from through PayPal says that they will only refund me once the chargeback is closed. I really need this to be resolved as soon as possible so I can get my refund. 

PayPal Claim ID # XXXX Transaction ID : XXXX XXXX email : XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-02
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have tried multiple times, with no success, to get validation of a debt being reported on my Experian and XXXX reports. I have contacted Experian, XXXX and XXXX XXXX XXXX for validation, however, the only thing I continue to receive are updates to my disputes that the account has been verified and updated. I have yet to receive documentation, as requested from either party. I 'vebeen trying for two months now with no success. I 've sent US Certified Mail to all three parties on  multiple occasions. In addition to me trying to get these two accounts being reported by XXXX XXXX XXXX deleted from my credit report, there has been a third account added to my report, with an open date of XX/XX/XXXX that was not on my report prior to XX/XX/XXXX. I am not sure why this account was added to my report. The account numbers are # XXXX in the amount of {$1900.00}, # XXXX in the amount of {$500.00} and the third account # XXXX in the amount of {$2400.00}, which is the total amount of the two previous accounts added together. XXXX XXXX XXXX added a third account to my creditreport combining the two totals from the previous accounts and now, it is showing that I have three outstanding accounts with this company. Not only has Experian, XXXX and XXXX XXXX XXXX failed to provide me with written documentation as to the validity of this debt, they have also not provided me with documentation as to how they went about verifying the debt. I do not believe that the debt can be validated and am asking that all three negative entries be deleted from my credit reports immediately. 
Finally, I checked the North Carolina Department of Insurance website to see if XXXX XXXX XXXX  had the permits to collect on this debt and they do not.

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 2020-08-27
Company: EQUIFAX, INC.
State: AR
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 the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. XXXX XXXX {$1800.00} XXXX XXXX XXXXXXXX {$23000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: Experian Information Solutions 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}. 
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/XXXX and 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 ACCOUNT 1. XXXX  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
Consumer complaint received 2017-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have tried multiple times, with no success, to get validation of a debt being reported on my XXXX  and TransUnion reports. I have contacted XXXX, TransUnion and XXXX XXXX XXXX for validation, however, the only thing I continue to receive are updates to my disputes that the account has been verified and updated. I have yet to receive documentation, as requested from either party. I 'vebeen trying for two months now with no success. I 've sent US Certified Mail to all three parties on  multiple occasions. In addition to me trying to get these two accounts being reported by XXXX XXXX XXXX deleted from my credit report, there has been a third account added to my report, with an open date of XX/XX/XXXX that was not on my report prior to XX/XX/XXXX. I am not sure why this account was added to my report. The account numbers are # XXXX in the amount of {$1900.00}, # XXXX in the amount of {$500.00} and the third account # XXXX in the amount of {$2400.00}, which is the total amount of the two previous accounts added together. XXXX XXXX XXXX added a third account to my credit report combining the two totals from the previous accounts and now, it is showing that I have three outstanding accounts with this company. Not only has XX/XX/XXXX, TransUnion and XXXX XXXX XXXX failed to provide me with written documentation as to the validity of this debt, they have also not provided me with documentation as to how they went about verifying the debt. I do not believe that the debt can be validated and am asking that all three negative entries be deleted from my credit reports immediately. Finally, I checked the North Carolina Department of Insurance website to see if XXXX XXXX XXXX had the permits to collect on this debt and they do not.

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 2021-07-03
Company: BAM Management US Holdings Inc.
State: WV
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 submitted a wire transfer of {$5000.00} and a fee of {$25.00} with my bank XXXX XXXXXXXX XXXX. Attached, you will find supporting documentation. The wire transfer was promised to go through in 3-5 business days at the latest. The bank said the transfer would be completed by the end of the day. 
The money was supposed to be transferred to my Binance account. 
My Binance user ID is XXXX. 
I did receive a transaction notice on my account that the wire transfer for {$5000.00} was pending at XXXX on the same day. However, since then I have not seen the money added to my account. 
I have contacted Binance support and have only received one response back on XX/XX/XXXX asking if the issue was resolved. I promptly responded the same day and have not, to this date of XX/XX/XXXX, received a reply or a solution to the problem. 
I also attempted to have my bank recall the funds because of missed opportunity, however that action was not successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: Trojan Professional Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My daughter who was XXXX years old had XXXX  appointment with XXXX XXXX XXXX in XXXX XXXX, Ca. 
Upon her visit we gave them our insurance. I told front office NOT to perform XXXX  and to make sure that if there any extra to charges to clear them with me. While waiting I received phone call and had to step outside. In the meantime, without my authorization they have performed XXXX XXXX which is toxic to the human body and to the teenagers and they have done an unauthorized XXXX. 
I refused to pay for something which was not authorized and instead they referred this account to the collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/2022, I received several emails/notifications from several credit monitoring services notifying me of a recent change to my TransUnion credit report ; which indicated that my current and good standing auto loan with XXXX XXXX had been removed from my credit report ; which caused my credit score to decrease XXXX points, from a XXXX credit score to a XXXX credit score. This information is inaccurate ; as I still have an auto loan through XXXX XXXX. My auto loan with XXXX XXXX is current and in good standing ; as I have never missed a payment or been late on any of my auto loan payments that are due every other Saturday ( bi-weekly ) ; as I even make my payments early, by paying every other XXXX ( bi-weekly ) instead of waiting until the scheduled Saturday. On XX/XX/2022, I contacted XXXX XXXX and spoke to XXXX at about XXXX PM, inquiring about the change to my TransUnion credit report ; as I did not receive a phone call or correspondence by mail or email from XXXX XXXX alerting me of this issue. During my phone call with XXXX, XXXX informed me that XXXX XXXX is aware of the issue, this was a mass issue, and it was not just isolated to my auto loan with XXXX XXXX. XXXX also stated, XXXX XXXX, the controller for XXXX XXXX, was aware of the issue and did not report this information to the credit reporting agencies. I have made at least seven phone calls to XXXX XXXX and voiced my concerns regarding this issue via the companies website on XX/XX/2022 at XXXX AM requesting assistance with this issue but this is still unresolved. As of today, XX/XX/2022, a month later, my TransUnion credit report has not been updated indicating that I currently have an auto loan with XXXX that is current and in good standing ; as this information is still missing from my TransUnion credit report. While this information has been removed from my TransUnion credit report, my XXXX XXXX with XXXX and XXXX has too been affected by decreasing at least XXXX points. Phone call dates : XX/XX/2022 at XXXX PM- Spoke to XXXX XX/XX/2022 at XXXX AM - Spoke to XXXX, placed on hold, was on hold for 22 minutes XX/XX/2022 at XXXX AM - No Answer XX/XX/2022 at XXXX AM - No Answer XX/XX/2022 at XXXX AM - No Answer XX/XX/2022 at XXXX AM - No Answer XX/XX/2022 at XXXX PM - No Answer Complaint number XXXX was submitted in XXXX and there has been no resolution to issue, I recently applied for an auto loan ; which could not be processed because there was not record of my current auto loan with 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 2021-07-03
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I opened my account in Coinbase, Inc., the company which operates Coinbase and GDAX in the U.S., based in California. Funded with XXXX. I had to wait 6 days for availability, which I did. 
Today when the funds are available, they come an block my account disabling all possible options to buy or sell with my money. I sent 3 emails to customer service support but they do not answer. It is impossible to communicate with them I found that this company has been sued in a class action for blocking the accounts without any reason. My ID has been verified 4 times without any problem and the funds are there. 
I am desperate because it seems that they are taking my money without any justification. Please help XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage is currently serviced by Bank of America ( B of A ). It is a loan backed by XXXX XXXX  and is currently delinquent. On many occasions, I have sought loss mitigation efforts with XXXX and contacted their loss mitigation department regarding the same. B of A has refused to process my loan modification and issue clear underwriting determinations. Per XXXX regulation 24 CFR 203.604,  contact with the mortgagor, provides that " the mortgagee must have a face to face meeting with the mortgagor, or make a reasonable effort to arrange such a meeting, before three full monthly installments due on the mortgage are unpaid. '' Since the loan is insured by the XXXX XXXX, this regulation applies, as well as the liability reporting valid information to XXXX. It is clear that violations of the False Claims Act ( FCA ), 31 USC 3729 - 3733, since they knowingly withheld information and reported false records to a Federal Government Agency. 

After B of A started the loan modification process they transferred the debt to XXXX. XXXX has advised that B of A did not send over notification that the loan modification was in process. This action is a clear violation of CFPB law. Since XXXX is now proceeding with foreclosure action, I am seeking your assistance on this matter.

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 2018-02-15
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
SLS is attempting to foreclose on my home with a fraudulent robo signed assignment. 
The assignment was created after the cut off date of the of the pooling and services agreement filed with the United States Securities Exchange. I also removed XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Series as my Attorney in Fact with XXXX Co because I want due process of Law which I am entitle. I have sent a QWR, and a debt validation letter, and neither has been responded to.

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: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Best Buy and CiTi card have interest charges that we have attempted to resolve with both entities. The companies failed to notify me ( the consumer ) regarding changes in promotional credit agreements. The companies claim they notified via letter and by phone, however have rescinded these comments and acknowledged they made an error ( no attempts were made to notify ). Additionally, the companies have claimed a cease and desist order was authorized by me ( the consumer ). At no time was this permission given. Again, the companies acknowledge the cease and desist was an error on their part. Regardless of stated error, Best Buy and Citi are unwilling to waive interest changes associated with a transaction made during a promotional period. I have never paid interest on any credit card in the 20 years of holding credit services. I expect and demand involvement from the CFPB to represent the consumer and hold these firms accountable.

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 monetary relief
Consumer complaint received 2020-08-27
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have contacted pennymac mortgage for over 3wks to receive a copy of my note.The note was not included in my final paperwork from last transaction. i finally realized after multiple attempts they had no intention of sending the note ; since they know i need to refinance. I have filed this complaint in hopes of obtaining the note with your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: Oasis Legal Finance Holding Company, LLC
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Pa paperwork with wrong address and and unauthorized amount for {$2200.00} I made XXXX transactions for {$1.00}, XXXX the XXXX XXXX I did not authorize for {$2200.00}. XXXX XXXX from Oasis Financial sent me contracts with wrong address dates and amounts that I did not receive I only borrowed {$3.00}, XXXX XXXX XXXX and XXXX XXXX took XXXX for XXXX I paid off my loans in XXXX months but no one can or had explained how XXXX go up to XXXX in less than a year of the XXXX XXXX XXXX and XXXX XXXX XXXX out of XXXX XXXX XXXX XXXX... Oasis Financial

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: Experian Information Solutions Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX or XXXX, 2020, I contacted XXXX XXXX regarding my XXXX XXXX account. I inquired about the continuation on the COVID-19 program. 
The agent informed me that I was eligible just as I was in XX/XX/2020, I was told that making a payment was optional. I was further advised that the next payment is due in XX/XX/2020. 
Although a payment was optional I made a payment anyway of XXXX. I made the payment on XX/XX/2020 via internet. On the same day, I contacted XXXX XXXX regarding XXXX XXXX account was behind 29 days. I was sure that my account was enrolled. I encountered the same issue with XXXX XXXX with enrollment on the COVID-19 last month. 

On XX/XX/2020, I received multiple alerts about a negative reporting on my credit file. XXXX XXXX reported my XXXX XXXX accounted 30 days late while supposedly enrolled on this program. I strongly believe this is an oversight by agent and XXXX  XXXX may be experiencing some technicalities with this COVID-19 suppression/deferment program as the same issue I reported regarding my XXXX XXXX account. 

Due to the reasons above, I am asking that the 30 day delinquency for XXXX to be removed from XXXX XXXX account & from all three credit reporting agencies XXXX, Experian, and 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