BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-21
Company: Financial Solution Providers LLC
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
FINANCIAL SOLUTIONS PROVIDERS out of XXXX Florida have been calling me repeatedly at work and on my cell after theyve been told to stop several times. They leave intimidating and threatening Voicemails saying my wages will be garnished soon etc. Ive talked to more than one person from here and all have been very unprofessional. They called my work several times and this last time the head of HR told them not to call back. They even called my place of Employment to file a complaint against me for using racial slurs against them. IMO if youre calling to harass me and my place of work everyday after being asked to stop Im not gon na be nice for long. Its always the same Guy who calls his name is XXXX XXXX but today XX/XX/XXXX he left a voicemail claiming he was a Mr XXXX XXXX .... but it was clearly Mr XXXX. When I called him out on it he hung up on me. I called them back and he answers as Mr XXXX XXXX lol. Another time when I called a woman there pretended to be with the XXXX Sherrifs Department. I called another time and a XXXX who claimed to be the Manager said he was going to file a complaint against me with the sherrifs Department for calling them 48 times and using racial slurs. The one time I did call them probably 20 times or just under but certainly not 48. Again, if youre gon na harass me Im gon na harass you. I was conned by a Dealership, whom the owner was who sold me the car was sued for over 100,000 for lying. It was a XXXX XXXX XXXX for {$9900.00} which I paid paid over 5,000 on. The thing was a total lemon, and the Dealer refused to fix it. I could not afford to fix it plus pay a XXXX a car payment, I told them to come get it. The Vehicle only sold for {$1500.00} at Auction and needed that much in Repairs.  Its beyond hilarious that they expect me to pay the difference so somewhere around XXXX. The XXXX was never worth XXXX to begin with and according to XXXX XXXX XXXX it should certainly be worth more than 1,500 even in bad shape. So the fact thats all they were able to get for it says a lot, like its a piece of XXXX in need of multiple repairs. I hope these XXXX  file to garnish my wages, the way these XXXX debt collectors have acted, plus the scam of a Dealership it came from I feel pretty confident.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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 customer service

Complaint:
I've had multiple issues with random fees on my Capital One card as well as my monthly payment randomly being tripled. I've tried for two weeks to contact them, and every time I call the automated message says their call volume is too high and they can not help me at this time. It then disconnects the line. They provide no email address, and their live support is not live at all. It sends you the same phone number. I have dealt with so many inconveniences with this company from the random fees to the unreachable customer service. I've had this card for years. I'm cancelling it as soon as humanly possible and never working with Capital One again. Worst finance company I've ever had to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Experian Information Solutions 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:
On XX/XX/XXXX, I sent certified mail to the three credit reporting agencies [ XXXX, XXXX, and Experian ] showing the inaccuracies [ which included late payments and collections, that were paid in full ] on my credit report. After 30 days, the three credit reporting agencies havent made the necessary adjustments to fix the inaccuracies. The three credit reporting agencies have to have everything aligned on an individuals credit report ; for example, on one of my closed accounts it says I have a late payment. XXXX  says I have a 30 day late payment on XX/XX/XXXX, XXXX and Experian says I have an on time payment.

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 2022-10-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is so despairing. What is happening with you Equifax XXXX XXXX credit Bureaus? FYI, this debt was paid to the original creditor and has no business continuing to report it as a collection account. In fact, I never had a contractual obligation with this collection company and they are fraudulently claiming I owed them! Please review your records regarding this accounts, as we have established the bureau 's propensity for reporting inaccuracies. You are violating Fair Credit Reporting Act law section 611 for reporting inaccuracies on my file. This will be my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the accounts immediately! 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$250.00} ; XXXX XXXX XXXX XXXX XXXX : {$230.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$82.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My information was stolen and fraudulently used without my knowledge or authorization to open accounts. The following accounts where not opened by me. These accounts are a result of my identity being stolen. 
XXXX XXXX Date Opened XX/XX/XXXX Bal {$1000.00} XXXX XXXX Date Opened XX/XX/XXXX Bal {$0.00}.

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 non-monetary relief
Consumer complaint received 2020-11-30
Company: Sound Collection Services
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2016 I informed my renters management company I would be moving out due to a severe illness that was not getting better. I owed for the month of XXXX, which was XXXX . I moved out on XX/XX/2016. I had movers, my parents who took items to the dump, and an arranged pickup from XXXX center for the XXXX to take items I wouldn't be taking to storage. I left the keys in the house as nobody was in the office when I left, and informed them of the whereabouts of the keys. Two weeks later I received a notice in the mail stating I had left some items in a shed, and that the items would be sold and whatever monies gotten from that sell would be credited to my account. 6 months later I received a notice from a collection agency, Sound collection services for the amount of XXXX XXXX I contacted them and it was for damages to the residence I vacated in XXXX. I asked for an itemized bill, twice, once on the phone and once in writing, and my requests were ignored. The original debtor ( XXXX  XXXX ) kept a XXXX $ deposit. I was never notified I owed this money from them, and they would not do a walk through with me when I moved out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: EQUIFAX, INC.
State: KY
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:
Equafax never contacted me when they had a data breach and my information was effected by the breach this is a unfair practice for a company that monitors credit every consumer should have been notified of the breach to either have the opportunity to be part of the class action or have the time to protect their credit now my information is somewhere in cyberspace with anyone access to the information with a possibility of it being used now or in the future

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX XX/XX/2020 I went to Home Depot in XXXX MA to purchase items for a job totaling approx {$15.00}. Inserted my Home Depot commercial acct card only to be declined. Reason NO payment for XXXX. I had to produce {$110.00} via my debit/MC to pay. I went home checked my payment slip & I did make a payment in store on XXXX XXXX, 2020, have transaction receipt & the statement stating payment received XXXX XX/XX/2020. Called Home depot CS to have fees removed & card unlocked. They said the card has to remain locked till the XX/XX/2020. I argued that it was their mistake why should I shouldn't be penalized. I have been unable to use the card for small job purchases. I am a XXXX yr old XXXX man with a XXXX  XXXX   XXXX to help pay the bills. because of COVID it has been extremely stressful for the 1st 9 months. Now that I can make a few dollars I can't because Home Depot will not unlock the card after providing proof that it was their mistake. I also went to the cashier that took my payment on the XXXX XXXX to find out why it didn't electronically collect on the payment & she stated it was an equipment malfunction, again not my fault. I sent {$110.00} immediately they should have unlocked my card there & then. Home Depot/Citigroup has prevented me from earnings for this time period which have been estimated to be $ XXXX {$800.00}. They allegedly refunded the fees but won't unlock the card till the XXXX. They need to change their policy. If they get an immediate electronic payment that is applied within 24 hrs. Takes 2-3 days for a check to clear why can't my card be valid as soon as they get the payment so not to create a financial crisis worse than it needs to be for a XXXX senior just trying to stay afloat?

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 2023-05-11
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made a payment of {$29.00} to my Citibank credit card on XX/XX/23 from my bank account. Checked my bank account and there was over {$300.00} in my account. There was no pending charge on my bank account and no return check fee on my Citibank account either. XX/XX/23 I made another payment of {$75.00} and it posted XX/XX/23. there was approximately {$85.00} plus available on my Citibank account. I had a pre-authorized bill pay process on XX/XX/23, XXXX XXXX purchase on XX/XX/23. If there was a returned check in the past, Citibank has locked my card/available balance until the initial payment has cleared in the past. On XX/XX/23 there is now a posted {$41.00} return check fee for the {$29.00} payment from XX/XX/23. I called customer service and they stated that my bank returned the payment that's why they charged the return check fee. My bank statement shows the funds were there from XX/XX/23 through XX/XX/23 and I checked my account daily since XX/XX/23 and never saw a pending payment from Citibank. The representative was rude and combative and could not provide proof that my bank returned the payment. I called my bank and there is no record of the transaction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-27
Company: EQUIFAX, INC.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/2020, after making my monthly PENNYMAC mortgage payment ( VA XXXX XXXX for XXXX, I requested a temporary payment deferment ( forbearance ) due to a COVID 19 hardship. The balance on my account in XXXX after the payment was {$130000.00}. While in forbearance the account balance reported to all 3 credit reporting agencies has increased monthly with being reported XXXX XX/XX/2020 with a balance of XXXX which does not accurately reflect what my monthly statements show and is incorrect. My mortgage account is also being reported to all 3 credit reporting agencies as in forbearance and the monthly payment status is not being reported as current but as no data available. My mortgage was current when I requested the deferment and per the CARES act for a federally backed mortgage should not be negatively affecting my credit and it is. As the balance increases, the acct forbearance statement PENNYMAC is making on the reports and no data for the monthly payments how would this not negatively affect my credit. 

On XXXX XX/XX/2020, I called and reported that I was no longer being affected by a COVID 19 hardship and wanted to get my payments back on track but could not repay all at one time. The lady said that I could do a loan modification and the payments would be added to the end of my loan. I made a normal payment for XX/XX/2020 ( the XXXX I had previously paid ) however I recently found out that the loan modification 3 month trial will not begin until XX/XX/2020 and that any payments I make between now and then will be held in a " holding account '' until the 3 month trial modification begins. 

I am not sure why I need a trial loan modification when I am no longer under a hardship due to COVID XXXX and can they legally hold a lump sum of money in some separate place not going toward my loan? If I have made the request to resume my payments why should they not be going toward my loan and the balance, yet they continue increasing my balance and reporting an increase to the credit reporting agencies that in not consistent with my monthly statements ( they report more than my statements say I owe ) and then hold my money in some secret account and say I can't begin a 3 month trial modification until XX/XX/2020 when I requested to get back on track on XXXX XX/XX/2020, making a payment on XXXX XX/XX/2020 that is not even going toward my account. 

If the CARES act states that they can not negatively affect my credit they very much are negatively affecting my credit and holding my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX I found out that somebody open a fraudulent account with USAA in 2013 acct number XXXX and it was charged off. I sent USAA Documents and disputed this Bank account that wasn't mine. I sent in a police report fraud addavit and signatures of mine in front of a notary USAA DID NOT DO A FULLY INVESTIGATION On this matter. They notified me within XXXX weeks that it was verified mine which was a lie.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
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:
This is my XXXX  request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXXXXXX Balance : {$0.00}

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 2021-09-02
Company: Coinbase, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
coinbase account was shut down due to unauthorized activity on XX/XX/24, it is now XXXX and i only get automated responses saying that someone will get back to me in 4-5 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CA
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:
In accordance with the XXXX XXXX XXXX XXXX this creditor has violated my rights under 15 U.S.C. 1681 Section 602, states I have the right to privacy, 15 U.S.C. 1681 Section 604a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
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: Account information incorrect

Complaint:
This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across three bureaus. Equifax shows XX/XX/XXXX, and XXXX has XX/XX/XXXX and XXXX  HAS NOTHING CHANGE! Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 

Account Name : DEPTEDXX/XX/XXXXAccount # XXXX Account Name : US DEPT ED Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XXXX initiated funds transfer upon account closure ( acct # XXXX ) to Barclays saving account # XXXX on XX/XX/2018. However, this account was closed on XX/XX/2018. Hence, as per Barclays, the incoming funds were rejected and sent back on XX/XX/2018 using tracing # XXXX via XXXX  XXXX XXXX, who acts as a clearing bank for XXXX 's bill pay service. 
Barclay 's proof of transmittal does not contain the account number where the funds were transferred to. Hence, XXXX XXXX XXXX is unable to locate the funds. 

XXXX  XXXX XXXX wants to know additional info or the account number where the funds were transferred to in order to locate the funds. XXXX wants Barclays to issue a recall notice to XXXX  XXXX XXXX so that funds get sent back to the issuer. 

Case # XXXX is open with Barclays for the past 6 months.

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 2021-03-04
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have disputed an invalid debt that appeared on my credit report from XXXX XXXX XXXX that was opened as a collection on XX/XX/XXXX. The debt was through Enhanced Recovery account # XXXX for {$2100.00}, XX/XX/XXXX. This item was rightfully removed from my credit profile. This debt then reappeared XX/XX/XXXX was removed, and again through XXXX XXXX with a different account # XXXX, and amount {$2100.00} on XX/XX/XXXX. I was able to remove this item again, as it was obviously fraud by both agencies. This item then reappeared on XX/XX/XXXX, from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The following company by the name of Speedycash.com/ ADA Astra recovery is reporting on all 3 credit bureaus and I have no knowledge of this account. I have attempted to contact them several times to address this but each attempt has been unsuccessful. They have refused to return any of my phone calls.

Company response to consumer: Closed with explanation