BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-04
Company: LEXISNEXIS
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:
My name is XXXX XXXX XXXX DOB XXXX SS XXXX please delete any and all variations of my name they are not accurate. I have some issues with addresses on my file that are not mine. please remove the following addresses from my credit report they are not accurate please remove delete ASAP :XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX , WV XXXX, XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX , XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: Source Receivables Management LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In 2015 I opened an account with XXXX for my little sister, which was all fine. 
My little sister then went in to the XXXX location and opens up additional lines, and was also allowed to lease additional phones in my name with out my permition and XXXX allowed her to sign contracts linked to my account with out contacting me or a signature from me. 

I had no inclination of the addition lines and phones until receiving a collections letter in the mail from SOURCE RECEIVABLES MANAGEMENT So I called the professional debt collectors I was connected to a representative by the name of XXXX our conversation was not going in a professional manner, so I asked XXXX if I could speak to a supervisor XXXX then told me just because I wanted to speak to a supervisor didnt mean I get too, I then asked her if that was their policy, and how they normally treated customers? XXXX informed me that that it would be my credit that would be damaged not hers, and told me she was terminating the call and hung up the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On several occasions I have attempted to resolve a usury problem with Lowe's/ XXXX XXXX credit card. The APR on the card is 26.99 % which is preventing me from paying down the principle. It is apparent that this 26.99 % APR is usury at it's best or worst.

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 2021-04-12
Company: WELLS FARGO & COMPANY
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX There is an auto financing company WFDS. I am unaware of this inquiry i dindt give permission to run my credit.

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 2018-08-17
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Through out my entire loan navy federal has charged {$29.00} fees for being late and there was never an agreement of such fees. They are also charging {$29.00} for fee adjustments on both loans I have with them that has been going on through out the term of the entire loan. I can never seem to pay my loans off as they keep adding these fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been dealing with Diversified Consultants regarding this XXXX XXXX XXXX acct since last year in XXXX. I mailed letters asking for validation and verification to be sent and because they could not provide documentation with my signature they seized all collections efforts and deleted from all credit bureaus. I see that they have once again put that same XXXX XXXX XXXX acct on my credit without proof that this acct belongs to me. I want this acct deleted for the 3rd time and to stop trying to collect on an acct that isn't mines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-25
Company: EQUIFAX, INC.
State: AZ
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:
XX/XX/XXXX I called a company name XXXX XXXX XXXX with an inquiry dated for XX/XX/XXXX. listed on my credit report to request a copy of the credit inquiry or credit account and full documentation bearing my signature allowing them to pull and place a credit inquiry on my XXXX and Equifax credit report. I spoke with XXXX in customer care, who was very rude by the way. She could not find an account nor a credit inquiry with my name or SSN as well. She connected me to someone else by the name of XXXX in customer service who didn't have a badge number as well, that there is no account nor a credit inquiry with my name and that is all the information they could give. They didn't care to hear my concern about the false credit inquiry, being reported and damaging my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/2019, I made my last payment before trading my truck into XXXX XXXX on XX/XX/2019. One month later, XXXX XXXX XXXX XXXX started harassing me about missing my payment. Then they reported me 30 days late on my payment then 60 days late on my payment. I gave them all of my documents and even contacted XXXX XXXX XXXX Department to have them write a letter to XXXX XXXX XXXX XXXX, XXXX, and XXXX. XXXX has closed my dispute 3 times and I have had to reopen it every time. XXXX has always sided with XXXX XXXX XXXX XXXX even when the information was false. I spoke with my bank XXXX XXXX XXXX XXXX and XXXX has spoke with XXXX in XXXX and explaining that no payment has been returned from any truck payment. XXXX XXXX XXXX XXXX failed to get back in-touch with me until XX/XX/2019. I contacted my bank numerous times and the answer has remained the same. Today however, I found out that on XX/XX/2019 XXXX XXXX XXXX XXXX finally cashed the EFT funds that was paid on XX/XX/2019. My online bill pay service confirmed that information. 
I have been harassed, ridiculed and have had this business destroy my credit without just cause.

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 2018-03-07
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
According to XXXX, my personal data was part of the security breach. Therefore, they have not been charging me for my security freeze, approximately {$5.00}. 

But I've needed to pay it with XXXX and Experian even though I am an identity theft victim with XXXX. The millions of Americans affected by this data breach shouldn't have to go to their local police department to file a report when XXXX and Experian can easily go to XXXX  's website to enter the customer 's last name and the last six digits of the social security number to verify the person was affected. There is nothing the local police can do about it. 

I am asking that XXXX and Experian place credit freezes on my credit bureau at no charge and that they refund the fees they have collected since the security breach occured.

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 2018-08-17
Company: Ability Recovery Services, LLC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is a fraudulent company. They are fraudulent, their dealings are fraudulent, they are engaging in fraudulent activities, government should take note. 
I was looking for a program to sign up and take classes online. I got XXXX College online. for XXXX XXXX XXXX XXXX XXXX  Immediately I called to verify about their program. The guy on phone with me said the price for the program will increase the next day when I told him I was going to think about it and call back the next day. He kept me on phone that when I call back the price will increase that he was going to call me that evening. He called, but was still not ready to enroll. He persuaded me to just sign up with him on phone just for {$10.00} deposit. I said no, but he continued that I have 7 days to cancel. I then allow him. They charge my account {$10.00}, but never refunded as promised. I reported the issue to my bank.

The program was about {$1000.00} that day, that I can finish in less than 2-3 months.

I check the site the next day, the price reduced to about {$670.00} thereabout. I called them to cancel that I was not interested anymore, they promised to reduce the price by {$150.00}, I told them no because I began to become suspicious of their activities and dealings. I wanted to cancel they said no, that they can not allow me to cancel, that I must have to pay them {$150.00}. I did not accept any enrollment. I did not even receive any service, materials, nothing from them. Another person that I talked to said since I didn't receive any service and called to cancel the next day, said that I don't owe anything. 
Less than 2 weeks ago, I received a collection letter from Ability Recovery Services LLC to reply, that I owe {$220.00}. That I have 30 days to dispute. This letter is dated XX/XX/2018. On XX/XX/XXXX, my Credit Profile indicated a new item of {$220.00} has been added to my account. less than 3 weeks. 
I have rejected this fraudulent bill but they kept calling my phone that I must pay it. I called them, they said is my bill that I must pay it. XXXX College is fraudulent, the Ability Recovery Services LLC is  Fraudulent, the government should look into their activities immediately. Please publish this online to prevent people falling victims to their activities, their preys, and their scamming tactics, especially those living out the United State seeking cheap online program in the USA.

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 2018-08-17
Company: WELLS FARGO & COMPANY
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Mortgage company has not provided requested information to verify debt, only providing a phantom account number which has been a widespread predatory lending practice of mortgage company. My letter sent XX/XX/2018 requested verification of debt pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 1629g. On XX/XX/2018 in a letter from XXXX XXXX on behalf of mortgage company, the original debt owed was crossed out the show a different amount. Many pages of the accompanying loan history is illegible ( unable to read ).

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 2019-09-04
Company: Experian Information Solutions Inc.
State: CA
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:
On XX/XX/2019, I made my last payment before trading my truck into XXXX XXXX on XX/XX/2019. One month later, XXXX XXXX XXXX XXXX started harassing me about missing my payment. Then they reported me 30 days late on my payment then 60 days late on my payment. I gave them all of my documents and even contacted XXXX XXXX XXXX Department to have them write a letter to XXXX XXXX XXXX XXXX, XXXX, and Experian. Experian has closed my dispute 3 times and I have had to reopen it every time. Experian has always sided with XXXX XXXX XXXX XXXX even when the information was false. I spoke with my bank XXXX XXXX XXXX XXXX and XXXX has spoke with XXXX in XXXX and explaining that no payment has been returned from any truck payment. XXXX XXXX XXXX XXXX failed to get back in-touch with me until XX/XX/2019. I contacted my bank numerous times and the answer has remained the same. Today however, I found out that on XX/XX/2019 XXXX XXXX XXXX XXXX finally cashed the EFT funds that was paid on XX/XX/2019. My online bill pay service confirmed that information. 
I have been harassed, ridiculed and have had this business destroy my credit without just cause.

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 2019-09-04
Company: EQUIFAX, INC.
State: CA
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:
XX/XX/2019 Equifax, XXXX, XXXX all refuse to give online annual free credit report as mandated by law, through the website XXXX XXXX XXXX.action with no options or helpful information to make the online option work. 
Instead they ask for sensitive information to be sent through postal mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
After a divorce in 2016, My ex wife has continued to obtain new credit in my name. I have disputed many accounts, address 's and alias 's that appear on all 3 credit bureaus only to have them respond with " we need proof ''. There not my address 's not names I have ever gone by and not my debt! Despite going to the police to have it stopped and filing complaints with local law nothing changes or helps I have a score so low Im really just stuck. I can't even buy a car without 40 % interest. This is insane!

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 2018-08-17
Company: Navient Solutions, LLC.
State: TN
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:
My student loans at XXXX University were issued fraudently I was packed every 6 months instead of once a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: ONEMAIN FINANCE CORPORATION
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:
On XX/XX/2019, I was provided an approval for a loan, which I had already received several offers and pre-qualified. I submitted the necessary documents that were requested. I was then notified that I was unable to receive the loan even though I was " pre-qualified ''. I then notified a hard inquiry on my credit that I do not recall consenting to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I am being charged for a membership of {$27.00} to monitor my credit score. 
However, I am not able to use their app in order to sign into the account. 
Also when I sign in on the web it provides nothing of the service that I am currently being charged for. It only displays my credit score. 

When I attempt to cancel the account, on the web I am being directed to call a number. 
When I call the number the automated system does not direct me to a live person and it also tells me that there is no account on record for me. 

I have tried emailing customer support and have received no such response. 

Website : https : //experian.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 2019-09-04
Company: Jim Bottin Enterprises, Inc
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
OnXX/XX/19, I made a request by telephone and email to have the account closed with a XXXX balance. Since ABC Financial refuse to closed the account and trying to aces my personal account without my authorization. The account was submitted to XXXX XXXX is not the current account the company has on file. The contract that was submitted via XXXX XXXX should be a month to month registration and should be able to cancel at any time. ABC Financial has committed fraudulent on my account. 


On XX/XX/19, I made a request by telephone and email to have the account closed with a XXXX balance. Since ABC Financial refuse to closed the account and trying to aces my personal account without my authorization. The account was submitted to XXXX XXXX is not the current account the company has on file. The contract that was submitted via XXXX XXXX should be a month to month registration and should be able to cancel at any time. ABC Financial has committed fraudulent on my account and a violations of the Health Club Services Act, the Consumer Fraud Act, the Retail Installment Sales Act, and the Truth-in-Consumer Contract, Warranty and Notice Act Customer Information : Agreement # : XXXX Account Pay Mode : XXXX Amount Due : Total : {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: Coinbase, Inc.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I purchased Ethereum from Coinbase on XX/XX/XXXX for {$200.00}, Litecoin on XX/XX/XXXX for {$150.00}, and Bitcoin on XX/XX/XXXX for {$210.00}. My Coinbase account was credited for these transactions. Then on XX/XX/XXXX, the transactions were reprocessed through my bank account. I disputed these charges with my bank because I did not make them. No additional cryptocurrency was credited to my Coinbase account for the false charges. The charges were refunded to my bank account. On XX/XX/XXXX, Coinbase removed {$570.00} worth of cryptocurrency from my Coinbase account. I have emailed them many times and created numerous support tickets to no avail. Coinbase will not credit my account or issue me a refund for the {$570.00} in cryptocurrency they removed from my account. Their customer service is mostly email bots that can not assist consumers with their actual issues. Their customer service is non-exsistent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Closed our Loan XXXX, 2020 and as of today after several attempts to get answers from my lender, Carrington Mortgage Services, my title as not yet been filed. Although my loan has been closed and funded the title work still has not been filed. I have been trying to do another mortgage transaction and since the title from my loan that closed in XXXX, 2020 has not been filed I have not able able to proceed. I would appreciate it if I could get some help in getting this resolved.

Company response to consumer: Closed with explanation