BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-26
Company: LCO Financial Services, LLC
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have been trying to contact this company I can not get anyone to talk to me. I need money for a payment to be able to take XXXX XXXX  & XXXX. I have paid every two weeks for 10 weeks now XXXX for a very small loan. I have been asked to make this amount of payments until XXXX. This company is ripping people off that work hard everyday.

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 2020-09-08
Company: ALLY FINANCIAL INC.
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
About XX/XX/XXXX I called Ally Financial and asked for financial assistance as the Coronavirus was clearly going to impact the country and a part of my income. Ally Financial said that they would put the car in a 120 day forbearance. They told me that I could have also done this online quickly. The lady informed me ( before we hung up ) that it may take some time to process as the country is in a unusual emergency. I went online a filled out the form anyways. I got some phone calls over the next couple of weeks but dismissed them as the lady instructed me to do. During this time I kept doing independent  work. 


In XXXX I called them about the forbearance around XX/XX/XXXX when it was supposed to end. I was hoping to have a conversation about getting back to full payments. Instead Ally Financial put the car in default last month and there was not much I could do other than appeal I told the customer agent to appeal. He did tell me that it looked like two forbearances were filed ( one for less than 120 days ). He said it would be some time till they got back with me. This was understandable. He said it would probably go through since it looked like a simple miscommunication. 


In the later part of XXXX I call Ally Financial back and they told me that the appeal was denied. They stated that the car must be paid in full or they would start the repossession process. I tried to get a supervisor of the phone by the name of XXXX XXXX. In the last week of XXXX I left 2 voicemails on his phone. I never got a return phone call with a message. Approx. XX/XX/XXXX I got a call from Investigator XXXX  with a company called XXXX XXXX saying that they are starting the repossession process. I did return a phone call and state that I would be filling with the Minnesota 's Attorney Generals office. during my research I found out that the Federal Trade Commission and the XXXX XXXX XXXX would also be good places to 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 2020-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I have tried several.times to dispute my XXXX, Transunion and XXXX  credit reports because they have incorrect information on my credit report but I am unable to dispute because when I go to Transunion website, it doesn't allow me to dispute because another active dispute is in process. 

XXXX  does not allow me to dispute the same account because I had dispute it 60 days ago, however information has changed. 

XXXX  does not allow me to dispute. When I attempt to dispute and go on their website and log in, the site gives me a number to call. When I call that number no one answers. I stay on hold for as almost an hour and no one come to the phone. 

My account showing as XXXX XXXX XXXX has been paid in full and it is not reflecting this on all credit reports. I filed a previous complaint with CFPB last week and I received an email that your organization could not send the information to the company or resolve it. Why not, doesnt Consumer Financial Protection Bureau monitor these credit agencies. They are housing incorrect information on my report and th his needs to be fixed 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 2023-05-18
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have no knowledge of this debt. It reported on my credit without receiving a notice that this would report to my credit, along with other violations which includes a collection account with NO delinquency date connected to the original charge-off, I also reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC 9 remedies .Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. CFPB : please look into this matter. If this matter is not resolved asap I have no other choice but to speak with counsel, will go through the process of medication, and I plan to seek {$1000.00} for damages and each violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Credit report shows accounts in collections, chapter XXXX bankruptcy covered these items. Currently XXXX XXXX of XXXX shows 2 collections accounts and XXXX XXXX shows 1 collections accounts.

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 2021-01-25
Company: CORELOGIC INC
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: Information belongs to someone else

Complaint:
I didnt authorize the hard inquiries.

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 2020-05-27
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:
I went to apply for a loan, and was turned down and I looked my credit up and seen items on my credit that should not be on my credit and needs to be removed .i contacted all three beaureus and no one has answered back. So I want to see is their something that you can do.I am including my XXXX  and police 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 2021-02-08
Company: Coinbase, Inc.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Coinbase is an online cryptocurrency platform. My account was fully verified with no problems for several months. Suddenly, and without warning, my buy/sell privledges were revoked. When I inquired to Coinbase, they told me - quote : " Coinbase reviewed your account and has determined that you are not eligible to use the Coinbase platform to purchase cryptocurrency or use our deposit services. As such, you are no longer eligible to link any payment methods. We are not able to provide you with any additional information. '' They further stated : " As a security measure, we are unable to elaborate on our internal decision process. This decision remains final and we will not be able to remove this restriction from your account. " If they don't want to do business with me that's fine, but they are holding hostage {$1100.00} that was charged to my bank. They have a {$0.00} " available for withdrawal '' balance. When I inquire they say : " We have not blocked access to the balance currently in your Coinbase account. While we can no longer process brokerage orders via our banking relationship, you may still send your balance to an external address and withdraw any remaining fiat from your fiat wallet to an active linked bank account once your funds are available to withdraw. '' and " You will be able to transfer, sell, or withdraw any balance currently in your Coinbase account. Please note, you may need to wait until funds are available for withdrawal and we will not be able to expedite this process. '' I CAN NOT withdraw my money. It is my money and I want it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: EQUIFAX, INC.
State: MD
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 have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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 XX/XX/19 and XX/XX/19 charges from a place called XXXX XXXX XXXX were made to all the ( 3 ) credit cards I was carrying in my wallet while traveling in XXXX. Two of the credit card companies, XXXX XXXX and XXXX XXXX, immediately fully waived any responsibility to me for these charges, verifying that they were clearly Kiting Fraud charges. The third card was a Citibank card. I was mailed a letter from Citibank stating that they flagged activity that was similar to recent fraud trends and to contact them regarding suspicious transactions to my account. The charges were made on XX/XX/XXXX in the amounts of {$14.00}, {$62.00}, {$76.00}, {$100.00}, {$340.00} then started on XX/XX/XXXX at {$21.00}, {$290.00}, {$570.00}, {$610.00}, {$1.00}, XXXX, {$1600.00}, {$2900.00} for a total of {$7800.00} in charges I did not make. [ this pattern of sequential charges in increasing amounts was the same with the other two cards ]. When contacted, Citibank fraud representatives first stated that the charges would be removed ( as well as interest fees relating to the charges ) and that I should just continue making the minimum payment on my actual balance on the card. They did not remove the fraudulent charges and began charging interest and late payment fees as these charges exceeded my credit limit thus making my minimum payment {$5800.00}! When contacted again, they said they would open an investigation. I then received a letter stating they concluded their investigation, that there wasn't enough support to resolve the dispute in my favor, and that they were closing the investigation. I did not make these charges and I understand that in accordance with the Fair Credit Billing Act, liability on stolen credit cards is limited to {$50.00} ( though I still have the cards so my liability really should be nothing. ) Nevertheless, because of Citibank 's unwillingness to treat me fairly I have since been denied for a home equity loan and another credit card ( not part of this fiasco ) sent me a letter denying me further credit.

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 2020-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards with the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Hello, I have been working from home since XX/XX/2020 due to the pandemic. Because of this I had to order more furniture pieces in my house such as a home office, chair, etc. Normally, before the pandemic I was working in my office so this was never an issue. So, when the pandemic happened I decided to order these pieces from Wayfair, LLC. on XX/XX/2020 ONLY because they had advertised at a 0 % interest rate. After 2 months I received a Masters Credit Card from Comenity Bank stating I should activate the card. At the time I thought it was junk mail because I have not carried a credit card in 20 years. I never activated the card, however I am starting to get harassing phone calls from them about making a payment. At that point, I had no clue who they were until when I called and they told me that they are through Wayfair, LLC. I am currently a grad student and I was hit hard at the end of XX/XX/2020 with federal taxes for being a student on top of living paycheck to paycheck. I was consistently making payments to Wayfair/Comenity Bank, balance {$1800.00} but because of taxes being taking out of my paycheck each month it is making it harder to make the payments. I asked Comentity Bank numerous times if they had a financial hardship program. What I am disgusted by with this company and bank is that they are taking advantage of their consumers during a pandemic. They advertised at the start of the pandemic it was 0 % interest rate and now they are telling me that I have a 26.99 % interest rate on this card. I was wondering why my payments and billing was getting higher and higher. I never activated my card but they somehow keep charging me {$40.00} a month for late fees. I have asked them to close my account numerous of times and they have not done so. I have enough stress financially going on. Since the pandemic I had to spend more on my household and food because I am stuck working from home. Please investigate this business because what they are doing is WRONG!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: Experian Information Solutions Inc.
State: CO
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:
EXPERIAN HAS ONCE AGAIN PUT ILLEGAL, FRAUDULENT REMARKS ON MY XXXX  XXXX ACCOUNT. 

THEY HAVE PUT A HARMFUL REMARK THAT SAYS " CONSUMER DISAGREES, DISPUTE RESOLVED '' FOR THE RECORD NO DISPUTE HAS BEEN OPENED RECENTLY REGARDING THIS AND YET THEY VIOLATE THE LAW BY PUTTING FRAUDULENT REMARKS ON MY REPORT TO MAKE ME LOOK BAD. 

THE ONLY REMARK THAT SHOULD BE ON THE 2 XXXX XXXX ACCOUNTS IS " ACCOUNT CLOSED AT CONSUMERS REQUEST '' I AM ASKING THAT THIS BE UPDATED IMMEDIATELY AS THIS KEEPS HAPPENING AND IS WRONG. *****PROOF IS ATTACHED IN THE FORM OF A SCREEN SHOT DIRECTLY FROM MY CREDIT REPORT SHOWING WHAT THEY ARE DOING*****

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 2020-09-08
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:
I have disputed incorrect information to all three credit bureaus several times and they have not removed adverse information off of my credit report. I have called disputed online through XXXX XXXX as well as directly and they have not removed the incorrect information. I have asked for proof to verify in writing the debt that they keep reporting that is owed and I have not received any verification proof or documentation from the original creditor, the third party debt collector or the CRAs. I am requesting that all errors and incorrect information be removed from my report immediately according to the FCRA.

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 2020-05-23
Company: SAMC Honebee TRS, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XX/XX/2020 I made an additional principal payment. The mortgage company does not apply it to principal even though I requested an additional principal payment. This is the second time this has happened. 
My bimonthly payments dont not get applied as they are paid and the company refuses to remove PMI even though 80 % of my principal is paid off and the agreement with the original mortgager ( before it was sold to these scammers ) was that it would be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
There is a freeze on my credit report for all five credit bureaus that need to be removed immediately the following bureaus are listed : XXXX, XXXX XXXX, XXXX, Equifax, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
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: Investigation took more than 30 days

Complaint:
I have file disputes with all 3 credit bureaus back in XXXX and yet have heard anything. I understand that with covid things are slow but still should not take 40plus days to get results

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 2020-01-28
Company: Experian Information Solutions Inc.
State: TN
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:
Collection Account : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/2019 Amount : {$330.00} I got a response from the credit bureaus specifically XXXX  saying that the disputed account has been deleted. I have checked in the credit monitoring that I'm paying for and the account is still there. It is not deleted. This is my fifth time disputing this account with them and I keep getting these inaccurate, unfair responses. This account is not accurate because I had insurance. This was billed in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-08
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hello, I believe that my XXXX Brother, XXXX XXXX 's information is being reported on my account. My Social ends in XXXX while HIS social ends in XXXX. I have tried to dispute all the below with the companies but with no prevail or call back. 

Starting with the inquiries : XXXX XXXX XXXX XXXX XXXX Did not apply for an autoloan at that time. 
XXXX XXXX  XXXX Same day as before, did not apply for autoloan XXXX XXXX XXXX  XXXX= XX/XX/XXXX Did not apply for autoloan XXXX - Did not apply for auto loan XXXX XX/XX/XXXX XXXX Already have services ( est XXXX ), did not apply XXXX XXXX- XX/XX/XXXX Did not apply for auto loan XXXX XXXX Did not apply for autoloan XXXX XXXX XXXX XXXX XXXX did not apply for auto loan XXXX- XXXX Did not apply for auto loan All these are showing on all 3 of my reports. I have had issues in the past with my XXXX brothers items winding up on my report. All these are do NOT belong to me and I am unsure if they belong to him. I have fozen my credit as I believe there might be fraud involved.

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 2020-07-07
Company: DISCOVER BANK
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
discover financial repoted to the major credit bureas that i am reponsible for A credit card debt that was open in my name. during the time the card was open i was in the hospital XXXX  XXXX and my home was robbed. I filed A poice report and the debt was deleted. then A year later they placed back on my file. the company removed it from my file twice, then put it back on. i am A victim of identity theft. my whole credit history has been ruined because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: EQUIFAX, INC.
State: IL
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:
I called the credit agencies and informed them the accounts attached are not to be reported to my consumer report. I never gave permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-28
Company: EQUIFAX, 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 belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation