BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-03
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
In year 2015 I had received a title loan and I had paid it back on time they continued to repossess my vehicle so I took them to court in XXXX XXXX CA XXXX XXXX XXXX XXXX small claims. The judge had ordered the debt paid and they were to no longer try and recover any more money from me this is not been the case situation arose after I realized it a few years later when I got a call from a debt collector saying I owed {$5000.00} to loan Mart. So I called loan mart and I told him about this. I reminded them that I no longer have a debt with them and we had went to court and the judge ordered them stop harassing me and trying to collect my money so I thought this is taken care of but my credit score has an improved I recently got my credit scores from XXXX  and all the other ones and I noticed that the debt they are trying to impose on me with the credit agencies which is ruin my credit is now over {$10000.00} the judge had ordered this debt paid in 2015 and they continue to try and go after me for my money. The information is XXXX XXXX XXXX 2015 XXXX XXXXXXXX this is a case number for XXXX XXXX Superior Court in California proving that the judge had ordered them paid that I do not owe them and needs to be investigated it needs to be removed from my credit report I had written credit agencies and ask him to take this off of my credit score and they have not please correct this matter for me you can get a hold of me at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: P.S.C., Inc
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I used to live in an apartment building ( XXXX XXXX, XXXX, WA ). One day there was water leakage from above apartment ( Apartment # XXXX ) causing my carpet wet for many days. Management fixed the leakage but did not do anything to dry carpet. Carpet was wet for many days got ripped as time passed. I requested manager to change or repair carpet but she did not listen. In XX/XX/2018 i finally told manager if you don't change or repair my carpet i will not pay rent or i will move to somewhere else. She ignored and I did not pay rent and asked to repair carpet but she sent me a notice to pay rent or vacate apartment. She sent me 3 days evacuation notice on XXXX XX/XX/2018 without helping me out. I decided to move and i moved on XX/XX/XXXX and left keys with my neighbor XXXX apartment # XXXX because it was night time. XXXX handed over keys to manager next day. I called manger next days and informed that I left apartment yesterday and she said alright. But after couple of days she sent me an invoice for rent and new carpet change charges etc. My lease agreement was already finished in XX/XX/2018 and i was not signing lease because they were not changing or repairing my carpet. I was paying just month to month rent. I did not break any rental agreement. I have a copy of written complaint which was sent to rental company 's website about leakage and carpet problem. 
They wanted me to live with ripped and moldy carpet with my kids. Now they want to charge me for new carpet, attorney charges and rent ( $ 2200+ ) .The management ( XXXX XXXX ) sent bills to collection agency ( XXXX XXXX XXXX ) to collect money which is impacting my credit score and stress. I explained to XXXX credit bureau but they did not reply. Management also did not refund my {$600.00} security deposit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: Mr. Cooper Group Inc.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I bought a house XX/XX/XXXX, my mortgage holder was pacific union financial. First payment was due XX/XX/XXXX which I made with bank check on XX/XX/XXXX which they cashed but never put towards my loan, mortgage was sold to XXXX XXXX XXXX beginning of XXXX and that money still has not been transferred over to them towards XXXX payment. MR Cooper apparently owns pacific union and they acknowledged the issue was correct but still nothing has been resolved..They are past their 60 days grace to transfer funds and they have had the money for almost 90 days. Most consumers don't have an extra {$840.00} sitting around unneeded to write off or be without this long, myself included. I have made XXXX and XXXX payments but are still late because of this missing payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: Experian Information Solutions 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:
I have made numerous formal complaint through the consumer Financial Protection Bureau and via mail to report inaccurate and incomplete information reported by XXXX and XXXX accounts listed on my credit report. According to FCRA 611 ( A ) ( 1 ) ( a ) I  am entitled to a re-investigation. I have provide documents given to me by both credit furnishers through a federal agency which shows the authenicity of the information. I request that these two files be deleted immediately as in the past they have your agency  have reported them verified and accurate when clearly they are not Also your agency has failed to state that XXXX purchased this account from XXXX as previous account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: Intelty, Inc
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted XXXX XXXX from Intelty , Inc in XX/XX/2020 as I was trying to get prequalified to buy a new home. A prequalified letter was provided to me in XXXX and I opened escrow on a home in XXXX. I advised XXXX to submit my loan application immediately to avoid any delay. Throughout this process, he was not very responsive on most messages left for him. I contacted his company and even their receptionist would screen my call and not let me talk to anyone in the office to answer questions on my loan status. XXXX kept saying I would get an answer today on multiple occasions, but it turned out to be a complete lie. You can not leave a message for him or with another employee in his company. We are in the month of XXXX, and still no answer as been provided. I contacted the underwriter and wouldn't provide me with any information as it had to be filtered through this mortgage broker. I lost money in doing an appraisal and I was not able to close on my new home due to his no response. No adverse action letter was provided explaining the final decision on my loan application. This was a very embarrassing experience not only with my realtor, but with the seller.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
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: Public record information inaccurate

Complaint:
I checked my credit report and found a bankruptcy on the credit bureaus reporting. I called the bankruptcy court to inquire if the bankruptcy court reported the alleged item. The court said they do not call, fax, mail, give out, or report any court information to any credit bureaus. Thus according to FCRA any negative information must be verified accurately. Please remove the alleged bankruptcy item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: SYNCHRONY FINANCIAL
State: AR
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:
In spring 2014, I applied, and was approved, for the credit card offered by XXXX XXXX. I made a purchase and used the website to pay. I made another purchase not long after. I went online and submitted payment, just as I had before. 

However, a few days later, I went online to check my bank statement and the payment to XXXX XXXX had disappeared : it hadn't processed through. I called my bank. They recommended I reach out to XXXX XXXX. 

XXXX XXXX told me that my bank, with whom I had had an active account in good standing for over 9 years, had told them that the account information I had provided them with was incorrect. What the customer service representative said was that they had, in layman 's terms, been told my account didn't exist. 

For over a month, we went back and forth. I offered to pay with my debit card, but as it was associated with the checking account I had tried to use before, they said I couldn't do that. My mother offered to pay for me, as did my fiance. They refused. 

I now owe them upwards of {$500.00}. The original tab was approximately {$40.00}. I told them, the moment it became clear they were never going to let me pay, I told them to close the account. I never used the card after the second purchase. I can't fathom the interest rate that takes {$40.00} up to {$500.00} in 6 months, especially after I told them to close my account. 

I took some time away from the situation, as I was moving. Throughout the months between the time I told XXXX to close the account and today, I and my fiance ( who has power of attorney ) have made dozens of calls to the bank and made no headway. They absolutely refuse to take less than {$150.00}, which is over a fifth of my monthly income and more than triple the initial purchase. 

I don't believe I owe them this because they refused all of my attempts to pay my bill and also refused to close an account that wasn't in use, thereby driving the interest sky-high. 

My credit is XXXX, and some of it is student loan debt, which I am repaying, but a lot of it is this theft. I am XXXX and my income is limited to what the government has deemed my life should cost monthly. If my car needs repairs, or replacement ( yikes! ), if I need new shoes, if rent goes up, or something happens to my fiance 's job, I can't cover it unless I have the money in my hand. 

I want My credit score back.

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 2017-12-01
Company: Experian Information Solutions Inc.
State: PA
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 DBA XXXX XXXX has on my credit file a {$280.00} dollar amount showing on my credit file. There is no {$280.00} dollar written off amount. 
there is no money owed on this account or written off. 
I need proof as I have provided to Experian that the account was paid off and there is no amount owed. 

I have mailed from the creditor as proof there is no written off amount or balance owed. 
I have provided a letter from the credit department to show proof of the account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-10
Company: CITIBANK, N.A.
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
Frustrating dispute resolution process over fraudulent charges with Citibank We have an XXXX XXXX Aadvantage Platinum Select Card with Citibank. Despite multiple calls to their Customer Service and providing the same information many times to them and their Security Operations team, we were not credited for multiple fraudulent pharmacy charges for a total amount of XXXX. Below is their text. They asked me how anyone could use my card, which was on my possession, on a chip-enabled card reader. I told them they should be the experts in cybersecurity, not me. I have, since that last call, closed my account and filed a police report. To add salt to injury, they charged me for interest on the disputed amounts after they had previously told me on the phone not to worry about the disputed charges and they sent me an email stating they had reduced my minimum payment for the month. 

" Throughout our investigation of your dispute, we found that your card, embedded with an XXXX chip, was used to make the below disputed transactions ( s ) at a chip enabled card reader. Since this card was in your possession at the time of the transaction ( s ), we don't consider this fraudulent activity and your account won't be credited for this transaction ( s ). '' Below are Sale Date - Amount - Vendor and distance from my house XX/XX/2019 - XXXX XXXX 18 miles from my house XX/XX/2019 - XXXX - XXXX 27 miles from my house XX/XX/2019 - XXXX XXXX 1.8 miles from my house XX/XX/2019 - XXXX XXXX 85 miles from my house

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 2018-12-10
Company: ALLY FINANCIAL INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submit a FTC report to XXXX about a dozens of inquiries and a bank account that was open in my name by the name of ally bank in the amount of XXXX and I was denied of opening up a saving account and I open a a dispute with XXXX and it was denied few times and I contacted ally bank and they open up a dispute and I never heard back from them in few months or received any paperwork from them ... XXXX refused to dispute my item ( Ally Bank ) Debt amount XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-06
Company: Healthcare Management, LLC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The original creditor notified the collection agency to cease all efforts. Bill is paid. The agency continues to threaten us for a paid bill we do not owe. Original credit says they don't know what else to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I found some fraudulent inquiries reporting on my credit report so I sent a letter to the credit reporting agencies on XX/XX/2021 but as of today XX/XX/2021 I have not received the results from the credit reporting agencies. I have filed an identity theft affidavit and sent into the bureaus with my personal identification and proof of address. 
These fraudulent inquiries still remain despite my submission of supporting documents. 
The list of creditor attached did not have my consent to run my credit and is a result of identity theft result.

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 2018-03-23
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Citibank pulled my XXXX credit report on or around XX/XX/2018 without my authorization, placing a hard inquiry on my XXXX credit report 1. ) I am requesting why Citibank pulled my XXXX credit report on or around XX/XX/2018? 
2. ) Did Citibank also recently pull my XXXX or XXXX reports? 
3. ) Did Citibank pull my credit report concerning a new or current account? 
4. ) If a current account please provide that account number? 
5. ) if Citibank claims they pulled any of my credit reports in the month of XXXX under a Permissible purpose as defined in Section 604 of the Fair Credit Reporting Act ( FCRA ). [ 15 U.S.C. 1681b ]. Please state the SPECIFIC reason?

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 2021-09-10
Company: Experian Information Solutions Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
I found some fraudulent inquiries reporting on my credit report so I sent a letter to the credit reporting agencies on XX/XX/2021 but as of today XX/XX/2021 I have not received the results from the credit reporting agencies. I have filed an identity theft affidavit and sent into the bureaus with my personal identification and proof of address. 
These fraudulent inquiries still remain despite my submission of supporting documents. 
The list of creditor attached did not have my consent to run my credit and is a result of identity theft result.

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 2019-04-10
Company: United Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I requested the following information to support the alleged debt : name and address of the original creditor, a copy of the original signed contract, delegation of authority giving you the authority to collect the debt, and a complete accounting / statement of payments with interest and fees associated with this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I wired {$50000.00} from XXXX to Coinbase account, following their instructions. Coinbase website states that the money should be available 3-5 business days after the wire transfer. 
A week later, on XX/XX/XXXX, I contacted XXXX to check on the wire, as I have not received it. XXXX pulled up XXXX and confirmed that the money was accepted by Coinbase. They sent an inquiry to Coinbase and advised me to contact them as well. 
Ive called Coinbase customer service number, and got an automated message stating that they are not responding to any questions other than technical. I filed a support request via an email form on their website. I also sent several messages via @ coinbase_support on XXXX. No response was received. 
On XX/XX/XXXX after repeated attempts of XXXX and myself to get in touch with Coinbase, no one responded. I found a Coinbase contact on XXXX ( XXXX XXXX, VP of Payments ) and emailed her with the description of incident. She responded to me next day, assuring that someone from customer service will get in touch. 
After several days of back and forth, on XX/XX/XXXX I received a generic email from Coinbase stating that recently they have reviewed the wire and the name didnt match so they have to send it back. Another email of XX/XX/XXXX confirmed that the wire has been sent and it will take 3-5 business days to be returned to XXXX. 
On XX/XX/XXXX, the money has not arrived. XXXX looked into it again, and confirmed that Coinbase has not even originated the return. 
In sum, its been a month since I sent {$50000.00} to Coinbase following their instructions. The bank accepted the money, didnt deposit to my account and didnt return it. Theyve made no good faith attempt to resolve my complaint. Moreover, theyve provided no reasonable way for me or another bank to contact them. They are violating the consumer protection law and are engaged in fraudulent activity. {$50000.00} is a big part of my life savings and Coinbase defrauded me of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have been making over payments on my loan and realize that Navient has been continuously increasing the interest rate. When I started repaying my loan the interested rate was 9.75 % and remain at that rate for a entire year. When I started to make over payments the rate increased to 10 %. I called their customer service and was told that I have a private loan and the company has no control over the interest rate, so they are unable to help me. The rate have been steadily increasing as follows : XX/XX/XXXX - 10.25 % XX/XX/XXXX - 10.5 % XX/XX/XXXX - 10.75 % XX/XX/XXXX - 11 % XX/XX/XXXX - 11.25 %

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have requested a copy of my credit report, however TransUnion has failed to provide me with a copy.

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 2018-04-08
Company: EQUIFAX, INC.
State: GA
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 XXXX XXXX XXXX was given a Hardship deferment in XX/XX/XXXX due to having a small series of XXXX and was considered XXXX XXXX by three doctors. After the information was sent to the XXXX. XXXX  XXXX and also XXXX - both infromed me that I would not have any problems due to health related issues that were not in my control. I was given one complete FULL YEAR of hardship deferment and i was sent notice that my payment would not start back up till XX/XX/XXXX. Now on my credit report it has the following after I have written several notices to XXXX and XXXX. XXXX   XXXX in Washington, DC. 

XX/XX/XXXX LATE XX/XX/XXXX LATE XX/XX/XXXX LATE XX/XX/XXXX LATE XX/XX/XXXX LATE XX/XX/XXXX LATE XX/XX/XXXX LATE XX/XX/XXXX LATE XX/XX/XXXX LATE XX/XX/XXXX LATE

Company response to consumer: Closed with explanation