BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-02
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: Information belongs to someone else

Complaint:
XXXX in 2011, through XXXX, I took out a XXXX loan to assist with the cost of the XXXX XXXX. While I had made payments ( when possible ), unbeknownst to me, XXXX now indicates that they own the loan. They had never forwarded any documentation indicating so, via an assignment or anything else. I have disputed with the credit reporting agencies, but to no avail. I have asked time and time again for this information, and no one is able to provide me with said documents. The contract I had was with XXXX not XXXX. Also, they have not furnished me with a copy of the agreement with XXXX ( signed by me ). Nothing has been furnished at all.

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 2021-03-10
Company: FORD MOTOR CREDIT CO.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
Lost my job due to covid I am not able to pay my bills my income was reduced drastically i was filing bankruptcy I talked to ford credit and they said they would work with me soon as my dismissed bankruptcy ford credit called repo company and came and got the truck with no response and not willing to work within my means I'm a disabled vet with a fix income sold truck at auction and are preparing to sue me for a deficiency balance that I can not afford to pay on there terms

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I attempted to send approximately {$50.00} worth of cryptocurrency XLM to my CoinBase account on XX/XX/2019. My transaction made it to CoinBase, but never made it into my account because a " Memo ''  line was input incorrectly. I immediately submitted a support ticket to CoinBase notifying them that the transaction had not gone through. I received a response on XX/XX/XXXX informing me that I would receive a response in 4-5 weeks. 

I followed up on XX/XX/XXXX, as it had been more than the 5-week deadline and I had not received a response. I received a response on the same day asking me to send CoinBase additional transactions to verify ownership of the account sending the funds. I lost the credentials to the account in a hardware failure and am unable to recover them, so I can not complete this request. In an case, CoinBase has already mismanaged {$50.00} that I have tried to transact to them, so  requesting additional money to recover the funds that they have already lost is untenable. CoinBase refuses to refund my money until I " comply '' with their request for additional transfers. 

I made multiple contact attempts by phone to try to discuss this matter with a CoinBase representative. The automated system informed me that I could not be helped over the phone on two occasions without connecting me to customer service. On a third occasion, the automated system simply terminated the call. 

This is within the definition of Unfair, Deceptive, and Abusive Acts and Practices in a number of ways : - I immediately contacted the organization with a host of information that would be sufficient for a reasonable person to verify that I made the transfer, including that the memo that was sent was only 1 digit off of the correct memo. 
- CoinBase has made no attempt to verify my account in any way except for requesting additional transactions ( which have a transaction fee and involve sending money to CoinBase ), stating in an email that I must " comply '' with a request to send them additional funds. 
- I would have had possession of my account if CoinBase had not held  the {$50.00} without responding to me for over 5 weeks. 
- Most importantly, CoinBase received the {$50.00} that I clearly intended to send to myself. They stand to profit from this deception for all customers who similarly are denied their funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted XXXX and Experian numerous times in last 2 yrs. about taking out fraudulent debt collection activity from my account. I have submitted police report and affidavits. It has been two years and they keep telling me the are investigating. The investigation and it will be removed from my credit in 30 days. They keep coming back and stating XXXX XXXX XXXX will not allow them to take my fraudulent debt out. I have contacted and submitted all of the above information twice via mail to XXXX data. First time they stated they didn't get the mail so second time I mailed them a certified copy. I tried to call ID Data on XXXX and person XXXX, stated what I have submitted is not enough. I explained to her that I have submitted everything they have asked for. " She kept saying in LOUD voice, " it's not up to me SIR '', It's not up to me ''. I hung up and asked to speak to supervisor and left a message. " She was in a Meeting ''. No call back from her. I have already submitted complain against ID Data earlier. This complaint is against XXXX  and Experian for failing to take out false information from my credit report for two yrs while acknowledging that they have everything they need from my end for submitting a fraudulent account information.

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 2019-10-06
Company: Patriot Finance, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I have been experiencing poor communication methods from this debtor.i was at one point on time with all payments and using auto draft. This company has shown to be very difficult to communicate with and very nonprofessional. 

I had asked them to stop contacting me at work which didn't stop. They have called extended family and friends who don't know me well without authorization. I never gave these people as a reference. That's embarrassing. 

XXXX XXXX who is the primary caller, always threatens to garnish my wages on every conversation. On XX/XX/XXXX XXXX stated that the authorities of XXXX co had already been contacted and papers were filed to serve me. So of course out of nervousness and not wanting to hurt my employment, I asked what could we do to catch up the debt and get on a plan. She said she didn't what she could do but that I needed to pay the past due amount of {$1200.00} before anything else could be done. 

Once I shared that I would talk to my husband and see about paying the past due XXXX went back and forth on whether or not papers had actually been filed. At one point she said. " I can't tell from the notes if it has actually been filed ''. Her whole reason for calling me was to tell me that I would be served by police officers at work. She knew that calling my job was a huge concern and I believe she used those comments as a threat. When asking another member, they stated that no papers had been filed and that wasn't the process. 

On XX/XX/XXXX I gave authorization to draft 2 payments. One on the XXXX for {$600.00} and one on the XXXX for {$600.00}. This would help to catch up the past due. At that time I authorized to autodraft {$430.00} a month moving forward but I asked for them to draft biweekly on my payroll dates as they used to. 

On XX/XX/XXXX they completely overlook my payment arrangement and drafted a 3rd payment of {$600.00}. When I contacted them to dispute I shared that I would be disputing with my bank as they have charged me to overdraft with my account as a result of their unapproved charge. There are two problems : unauthorized amount and drafted on unauthorized date. 

After submitting an email explains why I disputed once again XXXX threatens with garnishment. I shared with her that I was trying to pay my debt down. 

I have not heard back from her with regards to a payment plan. In XXXX the company Patriot Finance has pulled my credit report for the second time without permission. 

This debtor has been very difficult to work out an arrangement with. Their practices are unruly and unprofessional. I should t feel frightened that police are going to show up to my job. That makes me fearful of losing my iob

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/21, I closed on a refinance of my loan, resulting in a payoff of the original mortgage held by SunTrust. The loan funded and paid more than what was owed on the loan balance, as confirmed by SunTrust 's website on XX/XX/21. Every three days following that pay off, I have attempted to contact SunTrust by phone or by their web messaging to obtain a refund of the over payment and my escrow balances. On two occasions, most recently on XX/XX/21, I reached a call center rep only to be hung up on and forced to start over after hold times of 30 minutes. 

The branch offices tell me they can not help, and I have no means to obtain my money owed by the bank, or even an online site to view the balances as they remove the loan from the site as soon as it is paid off. Please help me by inspiring a response to my request for repayment.

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 2019-10-06
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Have contacted the Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating this items comes back validated even though the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reason to believe that PORTFOLIO RECOVERY is " parking debt '' on my consumer report in an attempt to coerce me the consumer into paying a {$690.00} debt as well as an {$330.00} debt that I don't owe and has been doing so since XX/XX/2019. I've tried to remedy this situation through the process of disputing the alleged debt, but there was no " reasonable investigation '' done on behalf of PORTFOLIO RECOVERY or the XXXX consumer reporting agencies XXXX, XXXX, or XXXX. 

Running a consumer report through the " XXXX '' automated system does not constitute as a " reasonable investigation ''. I demanded " to see '' verifiable information such as, chain of custody, purchase agreement, bill of exchange, original documentation with my wet signature in " blue ink '' not a " carbon copy ''. None of which were provided to me after the conclusion of the automated investigation. So how can this alleged debt be valid or verified? 

Per XXXX XXXXXXXX XXXX XXXXXXXX - Responsibilities of furnishers of information to consumer reporting agencies ( XXXX  ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Per the XXXX XXXX XXXX : Just what is debt parking? Its the practice of placing purported debts on consumers credit reports without first attempting to communicate with the consumer about the debt. Some call it passive debt collection, but theres nothing passive about the injury it can inflict. Consumers often dont learn about it until a mortgage company, prospective employer, or other decision maker pulls their credit report and spots what appears to be an unpaid debt. With a house, car, or job in the balance, many people feel pressured to pay up even though they may not actually owe the money. 

Me and my family have suffered severely due to this inaccurate, erroneous information being reported on my consumer report. This has damaged my character, my reputation, and my general mode of living as well as my ability to obtain credit for personal and house purposes. 

XXXX XXXX XXXX XXXX- Congressional findings and statement of purpose XXXX XXXX ( XXXX ) Reasonable procedures It is the purpose of this sub chapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this sub chapter. 

Now how are these kinds of deceptive tactics " fair '' and " equitable '' to me the consumer? I believe my consumer rights are under attack.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In  XXXX  of  XXXX  I renegotiated my rate in the rate reduction department of Navient. I have been in this program for few years now and each year I renew the terms. For the year beginning in  XXXX  of  XXXX  I agreed to pay {$440.00} on the  XXXX  of each month until  XXXX   XXXX . My fixed interest rate for that time period would be 3.5 % for  3  of my  4  loans with the company while my  4th  student loan would not be included. Earlier this month I logged on to my account to make sure that everything had been update with a 3.5 % interest rate. The 3 loans have not been. Instead my loans show variable interest rates of 2237 Signature Student Current Balance {$16000.00} Interest Rate 4.250 % 2245 Signature Student Current Balance {$20000.00} Interest Rate 8.250 % Current Balance {$26000.00} Interest Rate 14.750 % When I called into the rate reduction program ( after being bounced around other departmen t 4  or 5 times even though I expressed to the operators that I needed to speak with someone from the rate reduction program department ) I was told that due to a failure on their end my application was stuck in the review process for longer than intended. During this time Navient still took out of my checking account the amount of money we agreed upon in  XXXX . I was also told that if I logged back on to my Navient account after  XXXX   XXXX  I would see that all of my information would be updated to the correct amount. I just logged on today   XX/XX/XXXX   and the rates have not changed.  <P/> My concern is that my total balance will go up higher than it should because of the incorrect interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: EQUIFAX, INC.
State: GA
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: Billing dispute for services

Complaint:
Update for OBM  XXXX   XXXX  I initiated a meeting with  XXXX  from  XXXX    XXXX   XXXX   months ago, to settle this matter out of court. She said fine she would call with a date and time. Since then, I called  XXXX   XXXX   XXXX  on  XXXX   XXXX ,  2017  at  XXXX    XXXX   asking for a payoff amount. On  XXXX   XXXX ,  2017  my vehicle was repossessed. without warrant. I 'm pretty positive  XXXX  had something to so with this.  XXXX  told me we would settle this issue and I was n't making anymore payments till then. I have never been late since my contract started! I have always paid on time, and they ruined my driveway, tore up the entire right side of my yard. Now, I still have n't closed on the property and it 's in Underwriting.   Her neglect has impacted my well-being. The   XXXX   in unbearable, affecting my health issues. They took my vehicle to the Auction the same day. I also asked  XXXX  who her  Superior was and she refused to tell me, stating she did n't have one.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: U.S. Auto Sales Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Update for OBM 3170-0011 XXXX I initiated a meeting with XXXX from US Auto Sales months ago, to settle this matter out of court. She said fine she would call with a date and time. Since then, I called US Auto Sales on XX/XX/XXXX at XXXX XXXX asking for a payoff amount. On XX/XX/XXXX my vehicle was repossessed. without warrant. I 'm pretty positive XXXX had something to so with this. XXXX told me we would settle this issue and I was n't making anymore payments till then. I have never been late since my contract started! I have always paid on time, and they ruined my driveway, tore up the entire right side of my yard. Now, I still have n't closed on the property and it 's in Underwriting. 
Her neglect has impacted my well-being. The stress in unbearable, affecting my health issues. They took my vehicle to the Auction the same day. I also asked XXXX who her Superior was and she refused to tell me, stating she did n't have one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received repeated calls from many different phone numbers with the ID of " Portfoliorecov ''. I am not certain but I think these could be calls from a company called Portfolio Recovery which, according to the internet, has been implicated in collection scams. 

First I want to make it clear that my only debt is my mortgage. I always pay this on time, and pay-off the balance for credit cards at the end of the month. I have never received a notice of an unpaid debt from this company ( which I believe is required by law, and absence of such is a warning flag ). 

I have tried to remedy the situation by answering the phone in order to provide corrective information, but there is never anyone on the other line. I have concluded that, rather than legitimately trying to contact me, they are ( 1 ) trying to harass and intimidate me, or ( 2 ) are trying to determine when I am home so that they can rob my home or otherwise target me for other telemarketers. 

I have made numerous complaints to the donotcall.gov website and no apparent action has been taken. So I started blocking calls on my landline. Unfortunately, they always seem to be able to cough-up another number I have not yet blocked. Since XX/XX/XXXX, calls from Portfoliorecov have been received from the following numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: CURO Intermediate Holdings
State: HI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have called the loan that was mentioned in the letter from XXXX XXXX. Spoke to XXXX  XXXX to verify if I have a loan with them I have NO loan with them, also called Speedy Cash same I have no loan with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25
Company: BBVA FINANCIAL CORPORATION
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:
sent ftc violation police report and hacking and they have done nothing to help not even a letter + XXXX  i have years of inccurate reporting on them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2019-10-06
Company: National Credit Adjusters, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I reached out to National Credit Adjusters in regards to an unverified collection of {$1700.00} that had been reporting to my Credit Report for all 3 Credit Bureaus on XX/XX/19 with a Debt Validation Letter and they responded saying they would investigate on XX/XX/19. It is now XX/XX/19 and I have still yet to receive a response with any results of the investigation or validation of the debt. The letter specifically stated I was requesting a response within 30 days. I then reached out to them asking for removal of this debt within 10 days of the letter requesting removal due to no response on XX/XX/19 and it is still showing on my Credit Report. So I am now filing a complaint since I cant seem to get a response from the company themselves.

Company response to consumer: Closed with explanation