BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-22
Company: CORELOGIC INC
State: IN
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:
XXXX made a hard inquiry on my account on XX/XX/2017. No institution information is provided. I have no idea what this is from and would like it removed from my 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 2020-09-17
Company: Consumer Portfolio Services, 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:
After receiving notice I was furloughed from my employer, I called Consumer Portfolio Services , Inc. and advised I was furloughed for XXXX and Representative labeled my account as affected by Natural Disaster and advised by doing so it would not report to the 3 credit bureau repositories. I have recently pulled my credit report for XXXX, XXXX  and XXXX  to find the months of XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 are all showing late. I have since gotten money to pay my account up to date and called back after to advise a supervisor and spoke to someone in the XXXX Department that advised it was nothing he could do to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: CarMax, 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: Credit inquiries on your report that you don't recognize

Complaint:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
At the time that this account was opened on my credit profile, I was not given prior notice that such action was going to take place. The last I had known, that particular account had been closed! 

Upon seeing it newly opened on my account, I only realized after doing some research that it was related to my past closed account with Santander Consumer. 

My last known notification was around XX/XX/2019, asking for about {$1000.00} to settle the account. At the time I was on maternity leave without pay and could not afford it. Shortly after, about 4 months later, while still on maternity leave I further experienced hardship by then being placed on furlough from my place of work due to the Covid-19 pandemic. 

So in the midst of all of this, the newly opened account popped up on my credit profile without prior given notice and when I researched and called, that is when I discovered that a new company called XXXX XXXX had acquired the account and was asking around about {$1500.00} to settle the account. 

I tried explaining to them both my situation and disposition but they were unwilling to accept any amount less.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: PNC Bank N.A.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Loan ending in # XXXX. We were told ( several times ) that there was never a loan interest rate of 3.625 % at the time of our application on a investment property. Why then did we receive two commitment letters, one dated XX/XX/18 and the other XXXX dated XX/XX/2018.

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: 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 am requesting that you immediately delete information off from my credit report that isnt mine. I do not recognize these accounts. I have listed the accounts below. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I think I become a victim of identity theft. 
Please check for me. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible

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 2022-08-06
Company: Experian Information Solutions Inc.
State: TX
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 15th Endeavor that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) # Credit Bureaus are required to remove any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items need to be removed as they are fraudulent. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry XXXX XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/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 2023-08-22
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Affirm Holdings, Inc
State: WY
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:
In XXXX of 2022, I was made aware that several loans with Affirm had been opened fraudulently under my name. Because I was unaware they had been opened, I had several late payments reported and some charged off on my XXXX report before I could attempt to stop them and contact Affirm. I have contacted Affirm directly, filed a police report, and contacted XXXX 's fraud department and provided all the documentation they have requested in an attempt to dispute and have the fraudulent loans removed from my report. Neither Affirm nor XXXX have removed these fraudulent accounts despite providing the documentation they requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
XXXX has violated my rights within the Fair Credit Reporting Act. They resubmitted debt on my credit report without any additional information provided. As protected under the FCRA section 611 please remove this inaccurate information from my report immediately. 

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 2023-07-19
Company: Experian Information Solutions Inc.
State: TX
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 reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a dispute letter to the consumer reporting agency on XX/XX/2022. 
Regarding a few inaccurate marks on my report. They are reporting late payments and also a charge-off and according to Federal Law : 15 USC 1681 a ( i ) which states that consumer reports should NOT include transactions or experiences between the consumer and the person making the report I explained this in my dispute and the violation was not corrected. 

This account has also been charged off and according to IRS publication, XXXX charge-offs are considered income and income shouldn't be reported on your credit report. 

I would like for this account to be removed from my report immediately.

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 2020-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I signed a retainer agreement with law firm for loss mitigation on 1st mortgage with bank of America and second mortgage with XXXX XXXX XXXX. Both first and second mortgage financed through countrywide mortgage between XXXX and XXXX. During the financial crisis of XXXX, we applied for loan modification with bank of America. Per bank of America they would not modify the second mortgage until the first was modified. The bank insisted that until we are behind on the first and second, they would not consider us for modification. 
Subsequently we were behind on the first and the second and reapplied. Unfortunately, our mortgages were not modified even though bank insisted that it was modified. our interest rates on both mortgages was and is still at 6.5 %. We are current on the 1st mortgage and defaulted on the second. In XX/XX/XXXX bank of America offered us a settlement of between {$75000.00} and {$78000.00} on the second, unfortunately we did not have the cash and in XX/XX/XXXX the second mortgage was transferred to XXXX  XXXX XXXX. 
The above information was shared with XXXX XXXX law and the offered to assist. 
Total payments made to the Law firm to-date {$3100.00} as follows : XX/XX/XXXX {$490.00} XX/XX/XXXX {$710.00} XX/XX/XXXX {$420.00} XX/XX/XXXX {$1500.00} I requested for document submitted on my behalf from the banks and the QWR and they neither responded or even acknowledged my several attempts to receive the requested documents. 

Furthermore, because of the high interest of 6.5 % we are still paying on the 1st mortgage, Bank of America is not interested in modification of the 1st mortgage. We are stuck at this time. This has been ongoing since XXXX with no solution in sight.

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 2023-07-19
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A debt of {$770.00} from a Funding Company Was posted on My Credit Score XX/XX/23 That I Have No Knowledge of and now its closed out

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX/XXXX/XXXX, somebody went to XXXX a made a purchase of {$170000.00} under my account. I was at home when I notified that somebody was probably using my account and I was very surprised because I had my debit card with me on this day, so I ran to the bank to explain that to them and I placed a claim for that. They asked me some questions that I answered and we called the claim department of Bank of America to confirm the claim. After that they have changed my debit card and everything and the next day I received a temporary credit of {$170000.00} on my account and they said they will continue the verification. Today, the XXXX/XXXX/XXXX I get home and I was verifying my account because I was supposed to receive money from my friend I saw that the bank took the money back from my account and they put my account at - {$170000.00} but my friend didnt know that so when he sent me the {$200.00} they took it as usual so my account is now at - {$150000.00}. I was chocked so I called the claim department again and they said the claim has been denied by the bank and I have to call XXXX and XXXX has to give me the money back. The problem is that I didnt know all this time that I had to call XXXX to give me the money back because the bank said to me that they will do their research and let me know about the final decision which has not been received. The conclusion is that my money is not in security in this bank and secondly they are not even capable to give me the money back and investigate on it. I have to do it by myself. Thats a shame

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 2017-12-16
Company: Independent Dealers' Advantage, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX I was in a car accident which totaled my car. My insurance company paid majority of what was left on my loan with Independent Advantage Dealers ( IDA ) and I paid the remainder. On XX/XX/XXXX I made my final payment of {$710.00}, and have a confirmation email from XXXX XXXX to prove this. Up until this point of my final payment I made sure to make all my biweekly payments until I could afford to pay the whole remaining balance. I thought everything was good on my end until XX/XX/XXXX, over 2 years later I receive a letter from XXXX, XXXX XXXX XXXX XXXX XXXX stating that they are contacting me on behalf of XXXX XXXX XXXX as assignee of IDA stating that I owe {$780.00}. During these 2 years I have never received anything from IDA saying that I owed anything else after my final payment. I never received any form of contact from them at all. I sent a letter to the law office AND to IDA stating proof of validation of the debt and gave them a copy of the  confirmation email of my final payment. On XX/XX/XXXX I received another letter from the same law office giving me the name, address and account number of the alleged debt that I owe. Instead of the amount showing {$780.00}, they now say that I owe {$570.00}! Where are they coming up with these numbers? One day I owe them over {$700.00} and now they say I only owe a little over {$500.00}. I do not understand how they can say that I owe one thing and thing try to say I owe another. It proves even more how they do not even know what they're talking about and most likely do not even have my records still. I definitely feel like they are trying to scam me out of more money since I never once received any contact in this 2 year span, but once an attorney sends me a letter it goes directly to my new address that has changed 2 times since I paid off the car loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-17
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Bank name is shown but could also be found under : XXXX XXXX Credit Card I accessed XXXX XXXX XXXX website to make school uniform purchase for my child. As I checked out I was presented with option to apply for XXXX XXXX XXXX credit card and receive 50 % off today 's purchase. My purchase total was {$170.00}. Due to the sizable discount offered, I applied for the card. I was approved for {$4000.00} limit with {$650.00} available for immediate use. Screen prompted me to apply card to today 's purchase. I selected yes. Once I did, screen closed and new card was not applied to purchase. 

I had received email that account was opened and XXXX number to call for service. I called and they were unable to resolve, providing me either the card details or code to use for 50 % discount. I was told I could wait two weeks to receive card and then place order. This is shady and bait and switch. 

I requested the company remove the credit card hard inquiry and card itself from my credit report due to the tactics. I demanded a letter detailing both of these items be done and am not confident I will be receiving or that they will do as I requested. I fear they will only be closing the account. I spoke to three different people, each who i had to relay the situation to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-15
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have 2 issues with Specialized Loan Serving. 
First, they are keeping me a payment behind for no reason. 
I have tried to work with them for months trying to solve this problem including sending them proof of payments. 
Second, they are raising my payment after doing a cost analysis on my escrow account and they are saying I am behind and want to raise my payment when nothing has changed to warrant it. I have asked for a copy of the analysis and can not get it.

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 2015-08-25
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
We took out a HELOC XXXX years ago. We thought it was going to be paid off in 2016 and when we ask them how much was left we found it that it was going to balloon for the full amount {$93000.00}. We do not have that amount, so we ask them ( Green Tree Servicing LLC ) if they could help and their answer was, We service your loan on behalf of an investor or group of investors at ( XXXX XXXX XXXX XXXX XXXX owner of mortgage account ) that has not given us the contractual authority to modify your loan under HAMP. 
We have never missed any payments for the XXXX loan or XXXX loan. They will only work toward us loosing our home. ( 1 ) short Sale ( 2 ) Deed-in-Lieu of Foreclosure ( 3 ) ForbearanceWe contacted XXXX different Lawyers and they all said to walk away because the banks would n't work with us. ( We love our home and we are in our XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: Coinbase, Inc.
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
COINBASE  HACK My coinbase account was hacked this morning at XXXX. They managed to ta take {$12000.00} plus of my investments. Leaving {$24.00}. They also managed to take {$1000.00} out of my bank account attached to coinbase. The Ip address XXXX and the email that was used XXXX Not sure at this point if I will get any of the money from coinbase. My bank is working on getting my {$1000.00} they managed to take from my personal account. 
Coinbase is supposed to be safe and secure. The only way I can contact them is through email ... I have had no reply. This is alot of money and hard to swallow. And I'll I get is an email to send my concerns to ... scary guys.

Company response to consumer: Closed with explanation