BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-17
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XX/XX/16 I logged into my auto loan account to make a payment. I have fallen behind due to less hours at work but I still make a payment every 2 weeks. I am behind 42 days and was logging in to make a payment. My account said you have been approved for 3 or 4 payment deferments to assist me on my account I just needed to click sign paperwork electronically. I clicked and it stated your modification offer has expired. I contacted customer service and told them I did not know I could do a modification and she said it was only for 48 hours then asked when I could make my next payment? I said I made one today but I am very interested in the deferment so I can be current on my loan. She said sorry you no longer qualify for that offer. I asked what made me qualify and why did it expire the same time I saw the offer? She said I am sorry it is no longer available then again asked when can you make your next payment. They get some reward for securing your next payment and the modification offer was a trick to get me to text them and inquire about the offer. Very deceptive and shady practices.

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 2023-01-02
Company: Experian Information Solutions Inc.
State: AR
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 2023-08-02
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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 2021-09-23
Company: Radius Global Solutions LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I decided to Settle out with this company of {$310.00} with to promising that theyll change or delete it off my credit. It has not been done, and some agents been catching an attitude as well. Not only that, they have a past due left on my account which should not be owed 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 2021-07-15
Company: Franklin Collection Service, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XX/XX/2021, i sent FRANKLIN COLLECTION SERVICE, INC a letter asking for the validity of the alleged debt of {$200.00} that i do not owe. i haven't received anything thus far and it is causing me XXXX  and XXXX because i get anything with my credit. i have attach a copy below of the letter for my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Atlas Credit Company, Inc.
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Today XX/XX/2023, the staff at atlas credit came to my work, gave out private information regarding the reason for being there, when I asked her to not come by my job again or I would report her for harassment, she said well pay then and became verbally abusive. Then after she left, I proceeded to get text messages after I asked them to stop contacting me several times. I previously asked them not to contact me at work on my work phone because they were calling every day and I was getting reprimanded for the excessive calls.

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 2023-07-31
Company: Mr. Cooper Group Inc.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan was transferred to new servicer. Accidentally the 3rd payment was made to the prior servicer on time and with sufficient funds, so we though the payment was made- all set as always. The prior servicer didn't forward the payment, ( or notify me in any way it was sent to the wrong place ) and the rejected payment didn't post as failed with my bank until after it was already late. I forwarded the copy of the bank statement showing it WAS paid on time, along with the payment, and the current month 's payment due, as soon as it was discovered it hadn't processed. 
I submitted to the servicer, who has since applied late fees, and is not posting the regular payments due to insufficient funds due to the unwarranted late fees that were applied. 

I have tried to expedite this with the servicer, to no avail, so it is time for the CFPB to try. 
It has negatively affected my credit rating, caused other credit score driven issue such as my a rejection of my daughters student loan application for her tuition due XX/XX/XXXX. If they due process the student loan, it affects the terms we receive on it due to the low credit scores associated with the issues created by the misreporting of Mr. Cooper regarding the mortgage payment servicing transfer issues. Mr Cooper was unwilling to to expedite any part of this. I attached the statement showing the payment XXXX to academy mortgage and the XXXX paid XX/XX/XXXX.. The rejected one was also resent on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I am a victim of identity theft. I am writing to request that you DELETE the following Incorrect information from my credit report. 
XXXX XXXX XXXX  Filed 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 non-monetary relief
Consumer complaint received 2020-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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: Problem with personal statement of dispute

Complaint:
This complaint is my final request for your cooperation and, alternatively, to let you know of a pending suit. The amount stated in the lawsuit is at {$54000.00} ( the amount of credit loss resulting from Capital One 's actions ). This communique is likely over the initial reader 's paygrade, so you may want to refer this to someone higher. 

I will meet with my legal counsel on XX/XX/XXXX to determine the final dollar amount/Attorney Fees and if XXXX XXXX should name on the summons ( or someone else ). Perhaps you can give me to the person 's name who should be on the subpoena.

Summary : Capital One, unreasonably and without warning, locked my new accounts before I could copy my account numbers ; As a result of Capital One 's unjust actions against me, I have been unable to make credit card payments to Capital One for several months. Irreparable damage to my credit rating resulted from Capital One 's rash actions. I worked diligently to maintain an excellent credit rating in the 800s ; now, due to Capital
One 's unfounded suspicions of fraud, I have dropped to a poor XXXX rating. Furthermore, multiple credit cards reduced my credit limit or closed my accounts due to the low rating. Also, I have had no access to my savings account for several months. Promises to unblock it failed.

I am not going to restate this case in detail. You can refer to case # for the details. Re : Account ending in XXXX, Capital One Cases : XXXX, CFPB Case : XXXX. 

I have made multiple attempts to mediate and resolve this problem with Capital One ( but failed ).

As requested, I call Capital one ( over ten times ) to explain and resolve this, to no avail.

( Each time I called, I had to retell the complex problem to which your staff could do nothing. You've been wasting my time by having me call you. ) I wrote two letters, one certified, to which I received no response, not even an acknowledgment : other than to say you misplaced or lost it I have filed two complaints with FCPB. Your response was vague
and ignored the issues. ( This being my second and final attempt to resolve this out of court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: EQUIFAX, INC.
State: PA
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 Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX, Account Number : XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I tried to bridge ETH direct from my Coinbase account to their Layer 2 product, Base, via the portal proxy contract. This was an error, since the bridging will deliver the ETH back to the exchange on Base, and there is a possibility the ETH would be lost and unrecoverable. I tried working out asset recovery with their support ; unfortunately, their support had no idea what I was talking about, even after directing them to their own user documents and explaining the issue very clear. Further, they called me XXXX XXXX XXXX which is not my name, and purported to deliver me a case number for reference, but didn't. I was then cut off from online chat support and told " email support '' would be in touch. That has not happened yet, and I am skeptical about receiving any sort of adequate support to attempt to resolve this issue ( understanding it may not even be resolvable ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Outstanding loan was under Sallie Mae which was sold to Navient. When trying to lower monthly payments, received threatening and harassment from their collectors. Belittling comments made on how I was not paying attention to this matter and how they were going to ruin me and my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
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: Old information reappears or never goes away

Complaint:
Please investigate and delete the following accounts as the last payments on these accounts were made more than 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 non-monetary relief
Consumer complaint received 2023-03-26
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Was charged fraudulently under my social the company didnt review nothing nor check the if the social even matched whoever used my social, I tried disputing it many times and they have yet to help me nor try to get rid of it. I was a minor barely XXXX when this charge occurred theres no way I could of made it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02
Company: Open Dealer Exchange, LLC
State: FL
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 Fair Credit Reporting act these XXXX XXXX  depreciates my value. 

I demand they be removed. This includes : 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 700CRXXXX  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 15 U.S.C 1681 Section 602 A . States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. States a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Credit report from TransUnion shows I owe XXXX XXXX {$950.00} dollars from an account opened on XX/XX/2022, reported by XXXX XXXX XXXX. This information is a result of identify theft as I have never opened an account with XXXX XXXX TransUnion XXXX not properly investigate this dispute that I filed with them on XX/XX/2022. I received the results of the report today and could not contact anyone to properly inform them that this information is incorrect.

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 2023-01-02
Company: Experian Information Solutions 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:
Cfpb In accordance with the fair credit reportingn act. The list of accounts below has violated my federally protected to consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX  Date Opened : XXXX XXXX, XXXX Account Number N/A Has violated my rights XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Number N/A Has violated my rights XXXX Original Creditor XXXX XXXX Date Opened : XX/XX/XXXX Account N/A Has violated my rights XXXX XXXXXXXX XXXX Original Creditor XXXX XXXX XXXX Date Opened : XX/XX/XXXX Has violated my rights 15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more the seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency. If the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-30
Company: Affirm Holdings, Inc
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
The company 's name is affirm it's a credit card company on internet I payed the bill off was XXXX cents when I called to close it I was told to call back in XXXX days that I had to wait XXXX days to close account. I don't owe anything so I think I should be able to close it as soon as I call them.thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
Capital One is trying to sue me for a credit card debt that I did not apply for the credit card. My ex-wife opened up several credit cards in my name unknown to me. When going through divorce proceedings I found out she had opened up several cards in my name without my consent or knowledge. The divorce degree says she is to pay these as she is the one who fraudulently opened them up by signing my name for the cards. I also tried to make a police report but was told since it happened in XXXX   it was too late to do the report. Captial One is now trying to sue me for the funds of {$1200.00}. The person I called said I knew about it and that I admitted that I knew about the cards to them which is false, I have never told them this was my debt, I have always maintained it was my ex 's debt. I'm concerned that they are opening fraudulent credit cards from people who have gotten other people 's social security numbers. I'm not sure what else to do. I don't have a lot of money for lawyers to fight this but it is not my bill, it is my ex 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Penn Credit Corporation
State: NJ
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: Problem with personal statement of dispute

Complaint:
This company has placed their account on to my report. I have no idea where its coming from. The original creditor was not under my name so not sure why its under my name now. I have tried disputing the whole account but was unsuccessful. This is why Im coming here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Ive been challenging this bankruptcy for a very long time with XXXX and Trans Union. 
XXXX removed it but trans Union and XXXX keeps showing false information I thought that all 3 credit bureaus produce the same reporting as the other one this is stoping me from living my life just because its false information on my report thats not far to me as a law, abiding American citizen

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 2017-09-23
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
You may look into my previous complaints for further information.
In summary I have been paced on collection by TSI for a debt that they were given by XXXX XXXX XXXX to manage without ever informing or attempting to inform me of such changes or my ability to make payments on the debt. 

I have explained in the past how their initial and only attempt was to place my account on collections after my cosigners Chapter XXXX bankruptcy was finished and they could apparently collect again. While this is happening I was told repeatedly by the XXXX that they had no idea of any account in my name or even with my SS #. Impressively enough TSI turns around and places my account on collections without any letters in the mail, any phone calls, any emails, nothing! 

The account should be taken out of collections status as this is an abuse of power and manipulation of accounts. As a consumer I was lied to by XXXX and was never contacted by TSI nor was I ever informed that TSI existed and/or had my account in their possession.

Company response to consumer: Closed with explanation