BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-11
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
I have a situation where XXXX XXXX is reporting on my credit for a transaction that was cancelled. This transaction is now reporting on my credit and hurting me both financially and personally. I have been writing XXXX XXXX for years now and they continue to report this account while in dispute and their intent is to hurt and damage my credit reputation. 
At this point I am in correspondence with an FCRA to look at how the bureaus handled this investigation and he will investigate XXXX XXXX XXXX process into this issue. This is an account that was charged interest and fees for a cancelled transaction. This is a disputed inaccurate account that is on my credit and needs to be removed. This is an violation of several laws including section 1681 ( i ) ( a ). There needs to be a reasonable investigation into this dispute matter AND its the bureaus responsibility to go beyond the original source. 
Please see attached information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-18
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
COMENITY BANK AND XXXX XXXX have not taken my dispute requests seriously. I have disputed this account over 4 times this year in 2019. I have not received ANY validation documentation as asked. I have NOT gotten any responses from them aside from updating my account on with DISPUTE RESOLVED CUSTOMER DISAGREES. 

I am asking for completed validation of this account and if this can not be completed within the next 30 days I want the account removed from my credit file and never added back again. I have expressed concerns that this is NOT my debt and it seems to be falling on deaf ears. 

Any help in this matter will be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
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 is missing that should be on the report

Complaint:
The information listed in my credit report is not accurate and incorrect. I recently called XXXX XXXX  and confirmed that the reported information is incorrect. Please remove the negative XXXX XXXX  credit card information from my account or I will be suing you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
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 is missing that should be on the report

Complaint:
The information listed in my credit report is not accurate and incorrect. I recently called XXXX XXXX  and confirmed that the reported information is incorrect. Please remove the negative XXXX XXXX  credit card information from my account or I will be suing you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX  XXXX {$130.00} XXXX XXXX XXXX XXXX {$190.00}

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 2021-09-09
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello. I tried removing this falsified debt that's been on my report for the longest. It has no name of were it is coming from also no address can you please remove debt. Also I was not notified of this debt in 5 days. From section 611 this debt should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
I have been attempting to get USAA to issue me a replacement check for the one they sent me that got destroyed. They refuse to provide this to me or correspond about my request

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: Shellpoint Partners, LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is a follow up to complaint filed XXXX. I submitted a claim for wind damage on the property that I thought was on the covered by the loan in question. The loan was denied because the insurance company which was provided by Shell Point Mtg Servicing covered a different property. I have tried to get an original copy of my loan documents several time since XX/XX/XXXX and the last time was XX/XX/XXXX. 

Now I don't know exactly what property this loan is on. I am becoming more concerned as time goes on because all I get is the run-a-round from Shell Point Mtg on any question. They can not tell me what property they are holding mortgage on. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
In XXXX XXXX I had an emergency operation due to a slip and fall accident at XXXX XXXX. I was treated at the hospital by XXXX XXXX XXXX, MD. Due to the nature of the accident I hired an attorney in XX/XX/XXXX who began the process of a lawsuit. I received invoices from the hospital and others which I forwarded to my attorney, however, I never received a bill from XXXX XXXX XXXX, MD. Throughout the litigation process my attorney requested records from the doctor 's office and was notified that I was still in litigation and was awaiting a settlement. 

Finally in XX/XX/XXXX I received my settlement and contacted the doctor 's office to pay my bill. They told me that the bill had been sent to collections. I was completely shocked by this. I spoke with the doctor 's office and asked them why they sent me to collections when they knew I was in litigation and of course they could n't tell me why. I also asked them why I did not receive notice that I was being sent to collections, again no answer. I asked to pay the bill and they refused to take any payment. So I called the agency they hired ( PlusFour ) and tried to pay them. PlusFour also refused to take my payment because they wanted to collect close to {$3000.00} when the original bill was only {$1800.00}. A couple days later they served me with a lawsuit. I really feel taken advantage of. I was out of work due to my injuries and could not pay the bill, my wife is also very sick and is not working. I am trying to do the right thing here but it looks like it is backfiring on me. 

I also recently looked at my credit report and noticed that PlusFour pulled a hard inquiry on my credit report. I know that that they are not allowed to do that either.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: Vanguard Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a bill dated XX/XX/XXXX saying I owed XXXX XXXX XXXX XXXX XXXX {$19.00}. I called XXXX XXXX XXXX billing department on XX/XX/XXXX and they informed me that the bill was paid back in XX/XX/XXXX and that I owed nothing and had a XXXX balance on the account. I then called the XXXX phone number listed on the bill and they also agreed that I had a XXXX balance and that I should not have received the letter. 
On XX/XX/XXXX I received a letter from Vanguard Financial Services , Inc in XXXX, WV dated for XX/XX/XXXX saying that they were a debt collector trying to collect this same debt that XXXX XXXX XXXX XXXX XXXX already told me I had paid. I called both phone numbers listed on the letter ( XXXX and XXXX ) on XXXX and left messages both times giving them my information and telling them that I had paid the debt and that I had proof of debt payment. They never returned my calls. 
I called XXXX XXXX XXXX XXXX XXXX again on XXXX and again I was told that I owed XXXX dollars and that this company should not be trying to collect this debt. I called both phone numbers listed on the Vanguard Financial Services, Inc letter ( XXXX and XXXX ) on XXXX and both numbers rang repeatedly until an automated system said it could not transfer my call and hung up on me. I never pushed any buttons to be transferred, it simply ended the call. 
I XXXX Vanguard Financial Services, Inc in XXXX, WV and they have an " F '' rating with the XXXX  with many unresolved complaints. I am beginning to wonder if this is an actual debt collector or if it is some type of scam. Most of the complaints on the XXXX site say that they have repeated issues with this company placing debts against their credit and that they are constantly fighting this company over debts they do not owe. I do not want this false debt to impact my credit. I have phone records and a copy of the check that XXXX XXXX 's deposited showing I paid the debt in XX/XX/XXXX. XXXX XXXX 's is mailing, me a statement showing that it has been paid and that I owe XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: Coinbase, Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
At about XXXX on XX/XX/XXXX there was a flash crash in the crypto currency market where many coins were down over 20 %. I watch this happen and prepared to capitalize on the great buy opportunity. Initially I added {$1000.00} to my coinbase account in preparation to buy some XXXX and XXXX class among other coins. However coinbase canceled every single one of my orders when I tried to purchase the coins. Time is of the essence when trying to buy these cryptos and I had timed it very well however coinbase blocked my orders without offering any reasoning as to why. As it turns out they did this to many of their customers on that particularly critical day causing large losses and missed opportunities. Many others have significantly higher loses as their stop loss orders were canceled, again without any explanation. As a cryptocurrency brokerage, coin base 's primary role is as a liquidity provider and they have utterly failed at one of the most crucial moments. It seems awfully suspicious that coinbase would fail at such a crucial moment then offer an after the fact and vaguely worded email after the fact that was clearly written by a lawyer to deflect blame and suggest taking no action against them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-19
Company: Avant Credit Corporation
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I recently contacted avant for a payoff on my account. I was told they would mail one and further I could obtain a 10 days payoff at any time on line. 
I did obtain a payoff on XX/XX/19 good thru XX/XX/19. 
I sent a check overnight to avant and they received it and applied it on XX/XX/19 actually effective dating it back to XX/XX/19. 
This did not payodd my loan. They state and I now see that it is required that I schedule the payoff in order the the 10 day payoff amount to be valid. 
I called and spoke to them and they did indicate that a payoff that is quoted on line is not official unless I actually schedule that payoff via check or debit. 
I asked them how do I get a payoff good for 10 days without scheduling that payoff, they said I cant. The only way for the payoff to be valid is to schedule it because they freeze the interest. I dont understand how they freeze the interest because he said it is interest thru XX/XX/19. 
Is this legal? Can they require a payoff to be scheduled in order for it to be valid? Now, because I didnt schedule the payoff, I owe {$30.00} more. 
And if I dont schedule the {$30.00} before I send it in, I will owe more. 
Again, is this legal? Cant I get a payoff without any strings attached?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I have done a chargeback on an airline due to covid-19, after waiting around 60 days I get the notification that I have been awarded the dispute. So they return me the money and now I had a negative balance of around {$6000.00}, on XX/XX/XXXX at XXXX XXXX I contacted with XXXX asking if they could transfer me the money to my checking 's amount and I told them if they could transfer {$5000.00} back to my account. He told me he would do that and I waited. Again I messaged them on XX/XX/2020 if they could transfer me a balance of now of {$4000.00} since the negative balance had gone lower than {$5000.00}. XXXX told me that it would take 2 to 3 days, I waited and once again I haven't received my transfer. I again contacted citi support on XX/XX/XXXX with XXXX telling him that I have tried 3 times and it's almost been a month and they haven't transferred my negative balance to my checking 's account. He said he would take care of it and wait for 3 and 5 days for the transaction to be completed. It's now XX/XX/XXXX and I haven't received anything. I just want my negative {$4000.00} back to my checking 's account without being told to wait and nothing ever happening

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-09
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I want to a dealership back in XXXX of XXXX to purchase a car, at that time I had no job I was desperate to get a car to work for XXXX and earn money, Unfortunately the only finance company I was approved for was Santander, But the interest rate was so high, but again I had no other choices but to take to the offer not knowing what will happened later. 
my payment was {$640.00} for 72 month. I mean that's totally not fair the amount was financed {$25000.00}. I mean if you cant offer me a fair deal at the begging why would you take advantage of people like me at the first place. 
I have been paying {$640.00} since XXXX of 2018 yet I still owe on the car {$20000.00} as of today. I feel like this company is a total scam company at this point they should have denied me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: ID Analytics, 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:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a will be filed soon police report. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {XXXX} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2021-09-09
Company: LEXISNEXIS
State: MI
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 written to Lexis Nexis several times with concerns of inaccurate reporting on my credit file. After several attempts to rectify the issue directly with the Bureau I feel it is time I escalate the issue as I am not seeing satisfactory results or nearly any results at all.

Not only have they completely ignored my requests but they also intentionally make it extremely difficult for consumers to access the data they report on them via a consumer file.

As you will see in the supporting detail, Lexis Nexis is illegally reporting unverifiable and illegitimate information on my consumer file regarding a Bankruptcy. I am curious as to how they can confirm such information belongs to me while still adhering to the FCRA policies. I have asked them on numerous occasions to provide me with their methods of verification and they are unresponsive. I reached out to the source they have listed as the furnisher of information which is the Bankruptcy Court and they notified me promptly that they do not and have not furnished any data to this Bureau or any other. 

It is my understanding that if a XXXX can not verify the information they report according to the FCRA it must be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: EQUIFAX, INC.
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:
These accounts listed aren't mine. Not sure why they are there. My name isn't even right, and there are some addresses I have never lived at. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: Experian Information Solutions Inc.
State: WA
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:
On or about XX/XX/2017, I called my bank XXXX XXXX to ask for new checks to be sent to my new home address because I had run out of checks. They said that they would send the checks right away. After a week, the checks had not arrived so I called them again and they said the same thing. I wound up calling XXXX XXXX six times over a two month period, each time urging them to send the new checks because I had bills to pay on another bank account ( XXXX XXXX ). Finally I was late on a car payment ( 30 days ) because I did not have the checks to make the deposit to XXXX XXXX. The checks finally after 6 calls and two months did in fact arrive, after which I immediately went to XXXX XXXX to make the deposit and the loan payment. XXXX XXXX in the meantime, filed a 30-day late notice with the credit reporting agencies. I feel that this is completely wrong and irresponsible on XXXX XXXX 's end that they did not send the checks and now I have this on my credit score which has gone from XXXX to XXXX on one credit reporting agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-10
Company: Professional Debt Mediation, 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:
Professional Debt collection is or has never been my responsibility. This is for apt . belonging to XXXX XXXX since XX/XX/XXXX. I lived there since XXXX as his caregiver only and was never asked nor asked to be added to the lease but was only listed as occupant. I was coerced by apt . office to sign renewal for XXXX on his behalf with me being listed as occupant. XXXX went to XXXX home apt was vacated XX/XX/XXXX. i feel that they thought he would not be getting out of XXXX home tricked me in to " signing lease for and on behalf of XXXX XXXX '' thereby which in fact added me to the lease. I was only an occupant as a live in caregiver for him from XX/XX/XXXX - XX/XX/XXXX, he was the only responsilble person for any and all payments to this apartment. Please remove this derrogatory, incorrect erroneous information from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation