BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/19, a representative from this company told me that failure to remit payment of {$1000.00} immediately would result in my credit score dropping up to 100 points and inferred that I wouldnt be able to get student loans next year because an unpaid debt was on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: Altisource Portfolio Solutions, S.à r.l.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call ask my name then inform me I owe on a credit card, I explain I'm on social security and can't repay and I also explain I'm on direct deposit. Every time they call I tell them the same thing and the social security office has told me they should stop calling after telling them I'm on social security. To night they called after 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 2017-10-31
Company: KEYCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a account that is over 90 days never been overdrawn but made Mobile deposit it does not state its going to be weeks for funds to be available I would say for a XXXX check from a rental company at least 24 to 48 hours but it should state that when making a mobile deposit I mobile deposit on XXXX XXXX in the afternoon I figured it would be available on XXXX XXXX or at least by the XXXX The money is still being held today is XXXX XXXX I tried talking with them and been told in the beginning that my branch placed ahold on it call my branch to get it removed I did go to my branch and basically treated like I was not intelligent and they dont have to do nothing I tried again through the XXXX XXXX number this is Key bank today I tried to get my funds again the Bank which the company uses stated that the check had been cleared on XXXX XXXX during my conversation today with Key bank Supervisor I was told it was fraud that placed a freeze on my deposit I now know why I was treated like a thief which I dont know how to do or ever would I am a single parent and do need my money to buy groceries and keep my electricity from being disconnected Definitely Extremely Hurt and Disappointed at Key Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Transunion violated 5 of my federally protected rights by committing identity theft and pursuant to 15 USC 1681b ( 2 ) for furnishing my consumer report with no written consent from me. Transunion also violated the following federally protected rights and I sent Transunion an identity theft report, a notarized affidavit of truth with an invoice attached for {$5000.00} for the following violations. 
15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( 2 ) ( A ) ( i ) 15 USC 1681a ( 2 ) ( B ) 15 USC 1681a ( 3 ) 15 USC 1681b ( 2 )

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 2017-10-31
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: Account status incorrect

Complaint:
I have asked Transunion to delete negative unverifiable information from my report, moreover they keep verifying closed accounts as accurate and update wrong information on my report. I specifically asked transunion to send me proof by mail to verify negative information which I have not received nothing and transunion continues to show and put back negative accounts on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
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:
there is no sufficient information to support XXXX  and Experian 's claim, XXXX XXXX. This creditor has been posting my payments late but i religiously paid on time. Please remove the late remark from my credit report ASAP

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 2017-10-31
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have leased XXXX XXXX XXXX with Toyota financial services I bought gap insurance with them as well In XXXX I got in accident and my insurance company paid off the balance and a small balance left which gap insurance was supposed to pay ( it is a Toyota company paying another Toyota company situation and I have talked to both of them 20 times maybe ) Gap insurance company wrote a check in XXXX but in XXXX Toyota financial hit my perfect credit history with charge off It says paid now but now I am trying to buy a house and my credit score is lower than what it should be I just want them to remove charge off which is the mistake of their own company Called them many times called credit report companies and nothing happened

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I 'm currently in the XXXX XXXX and during the last 2 years, I was mobilized twice. XXXX, a XXXX XXXX, also known as XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, VA XXXX ) assumed my VA loan from another mortgage carrier. My auto-payments were going to the original lender, and in XXXX and XXXX of XXXX, while mobilized, they reported a 30 and 60 day late payment ; though the payments were being made in a timely manner ( to the original lender ) I was not aware, as I was overseas. Then in XXXX of XXXX, I was again mobilized for 70 days and they again reported a 30 day late payment, when I had told them that I needed a few extra days, and they agreed and agreed not to report my late payment. I was late by 3 days. Now I 'm unable to get a Home Equity loan or refinance my home. Please help.

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 2017-10-31
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I received an alert from XXXX XXXX about an inquiry and I thought it had to be a mistake because I have a fraud alert on my credit report. This was around the time of XXXX XXXX, which hit Florida. Then I received a letter from XXXX XXXX saying I was denied for a card but I never applied for a card. Also, anytime that credit is applied for, I am supposed to be contacted at the number on my credit report and no one called me. I see that they pulled my XXXX credit report which matched the credit pull alert that I received from XXXX XXXX. I just opened a credit card and had no need to open another and when I applied, this company called to verify it was me applying, which Sears did not. If they would have they would have been aware, I did not apply. The document had a reference number 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 2022-03-11
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I've noticed there are wrong addresses and phone numbers and even my name is wrong on my credit report I've tried to call and write letters to have them updated to no avail can someone please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: Experian Information Solutions 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:
Date Reported : XXXX  XXXX, XXXX Collection Agency XXXX XXXX XXXX XXXX Balance Date XXXX  XXXX, XXXX Original Creditor Name XXXX XXXX XXXX XXXX Account Designator Code INDIVIDUAL_ACCOUNT Date Assigned XX/XX/XXXX Account Number xxxxxx XXXX Original Amount Owed {$77.00} Creditor Classification Medical or Health Care Amount {$77.00} Last Payment Date Status Date XXXX  XXXX, XXXX Date of First Delinquency XX/XX/XXXX Status UNPAID Comments Medical Contact XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX # XXXX XXXX, OH 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 2019-08-07
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: Their investigation did not fix an error on your report

Complaint:
there is no sufficient information to support Transunion and XXXX XXXX  claim, XXXX  XXXX. This creditor has been posting my payments late but i religiously paid on time. Please remove the late remark from my credit report ASAP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I called the company who is in charge of my loan they told me that I would have to send them proof of being in the military/ my military orders. I sent them then I called they said they had never received them so I sent them again they said it would be updated in a day or two has yet to be updated and its almost been a month. My APR is 21 % but since I am in the military it can not be over 6 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Transunion is showing this still on my credit report- XXXX XXXX XXXX XXXX They agreed to delete it from my credit report. 

XXXX agreed to delete the following- XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Still showing on the credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, my husband ( now ex-husband ) and I moved into XXXX XXXX XXXX in XXXX, XXXX. We resided here until XX/XX/XXXX. We put in our 30-day notice to vacate our apartment due to the fact my husband had military XXXX that were XXXX him in XXXX. Therefore, due to the Servicemembers Civil Relief Act ( SCRA ), we were allowed to break the remaining term of our lease. 

XXXX XXXX refused to accept my husbands official military XXXX, and since have sent our account to Hunter Warfield Collection Agency to try and collect on a debt that we do not owe. 

I have tried contacting XXXX XXXX, who are the owners of XXXX XXXX XXXX and they have yet to respond. 

I am currently working with my local credit repair company to resolve some past credit issues and they recommended that I contact CFPB to step in and handle this situation for me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have written many emails and did call several time. No proper help. My money is stuck since XXXX. I need help. I havent managed my coinbase account yet. They are a scam. Please help. The amount is now mear XXXX pounds. It still shows account restricted and I can not do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
I applied for credit so that I may have funds as I am going thru XXXX.  My credit report from XXXX  and transunion were embarassing and incorrect.  XXXX was accurate and contained information the was true and correct.  I contacted XXXX and transunion and asked why my credit report did not reflect 14 past loans and 4 current loans with 2 current revolving credit cards,  I have banked with XXXX XXXX XXXX XXXX XXXX for over a decade and have never been late nor missed a payment.  I was told that my information was on their system but nobody could see it because the bank refused to pay their fees.  But at the same time if something negative appears they have no trouble reporting that.  there is a 150 point difference between my XXXX report and my transunion and XXXX report.  when I tried to resolve this problem with XXXX and transunion they would not discuss this with me.  This started in XXXX of 2016 with no explanation of why my credit score dropped 150 points in 1 day.

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 2017-10-31
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
In XXXX of XXXX me and my family went on vacation and stayed at XXXX XXXX  XXXX. We decided to take a promotional deal which was cheaper then regular price but had to sit in on a Timeshare orientation which was only supposed to be forty five minutes long and turned out to be about 3 hours long. while in this orientation we were told that it would be in our best interest to invest in one of the timeshares on the resort and how it would be a great financial investment for me and my family. The agent at the time was using very aggressive tactics to influence a decision to buy in. unfortunately we fell for the pitch and we were persuaded. We sat in a room and waited to sign documents for a Mortgage to purchase this Timeshare in the amount of XXXX. We were provided with an XXXX which had all of the legal documents which at times the print was very small and hard to make out. while i was trying to read through it i was assured that all was OK and that i had nothing to be concerned about. legal documents are long and confusing which i now understand are made to be that way for a person who 's not a lawyer, an really cant make the best decision. We were never told about a ten day clause which would 've allowed us enough time to get out of this contract before it was to late. We only read about that clause when we received our electronically signed documents through the mail almost two weeks later. We do n't want any money back, i just want to get out of this nightmare. I would n't want any hard working family to have to be in debt to this type of scheme. We later read that we would be paying for the maintenance fees well after the mortgage was paid off. We even found out that if me or my wife XXXX that our kids would be responsible for making the mortgage payments. that 's just not right. We are not a financially wealthy family and we can not afford to pay for this. Please help us find a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  Data breach and may have got into the hands of the wrong person.

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 2022-02-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-26
Company: CITIBANK, N.A.
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Citi Bank/Shell/CBNA opened an account in my name fraudulently in 2017. During a routine traffic stop with the XXXX Police Department, this card along with several other cards in my name were found with an unidentified victim. I was notified by police to come to the station to file a complaint and to pull a credit report for the types of cards. I was not able to obtain the actual card because it was used as evidence. 

I contacted Citi Bank within 30 days of being notified I am an identity theft victim. I provided them with the police report, I provided them with the Federal Trade Commissions identity theft report, I provided them with proof of my address, I also provided them with proof of my name. I have provided them with every single piece of information I can find. 

I asked Citi Bank/Shell/CBNA to at least provide me with the identification of the person that opened the account, they could not because the account was opened online. 

Citi Bank is a very large company, this was in fact the smallest balance of any of the identity theft issues yet this is my most difficult case. 

Citi Bank is unaware of how it works when someone opens a gas card in your name. They continue to pay the monthly bill yet they sell gas to individuals as part of a scam. It is unethical for Citi Bank to ignore this and constitute it as not part of identity theft when they have no identifying information to validate this 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