BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-07
Company: Kriya Capital, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this account numerous times with the credit bureaus as the debt is not mine. XXXX XXXX XXXX is unable to validate the debt for that reason. The collection agency then removed the debt. XXXX XXXX XXXX then gives the debt to another collection agency to collect and it appears on my credit reports AGAIN without notice to me that this is happening. This has been a cycle, and I am needing to pursue a formal complaint so that the debt can be deleted permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After Hurricane Ida, my loan was automatically put into forbearance which I did not ask for. When this happened, it made the online payment option unavailable to me. The pay-by-phone method is also not available to me as I am told my loan account number is invalid. This puts an undue burden on me and has made paying my loan extremely difficult. It has also resulted in late payments. I should be able to easily pay my loan online or by using an automated phone system just like every other customer. The only option I have is to call and try to speak to a live person which can take a long time due to high call volumes and hold times. For four months, I have been calling Carrington Mortgage about this and it is still not resolved. I feel like this is a strategy used to make the payment process difficult resulting in late fees. 

Carrington Mortgage Loan XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
In 2016, my son went to XXXX XXXX XXXX in XXXX, CA and was given a vehicle loan. On XX/XX/XXXX, there were papers to lien my payroll checks for a loan with Lobel Financial. 

I have never applied with my son to buy a vehicle. My credit has never been good enough to sign a loan with anyone. I currently have a 28 % interest loan due to my credit score. 

The used auto company used my information to provide a loan for my sons vehicle fraudulently. 

Throughout this loan and during collection proceedings I was never notified in any way. The documents have an address in XXXX, CA and I lived in XXXX, CA for over 10 years. My drivers license has been attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
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: Account status incorrect

Complaint:
As I reviewed my recent report, I have found a lot of erroneous information reporting on my TransUnion Credit Report. I am not sure if you have conducted a thorough investigation for the following items : Late/Open XXXX  XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$7900.00} Late/Closed XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14
Company: Bread Financial 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:
These accounts are not mine but are reflecting on my credit report. 

XXXX XXXXXXXX XXXX. - {$5900.00} Opened XX/XX/2020 XXXX XXXX XXXX XXXX - {$780.00} Acct # : XXXX Comenity Bank XXXX - {$1800.00} Acct # : XXXX XXXX XXXX Bank - {$500.00} Acct # : XXXXXXXX XXXX  XXXX Auto - {$32000.00} Acct # : XXXX They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXX XXXX XXXX bank any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I HAD PRE-APPROVED INVITATION TO THEIR XXXX CREDIT CARD. THE ACCOUNT WAS OPEN ON XX/XX/XXXX. I MADE ALL PAYMENT ON TIME EVERY TIME. THEY REQUEST CONFERENCE CALL WITH THE XXXX XXXX. I HAVE REQUESTED TO SEND ELECTRONIC DEPOSITS TO MY ACCOUNT AND I WILL VERIFIED THOSE DEPOSIT BUT THEY DENIED AND WANT TO VIOLATE MY PRIVACY IN REGARDS MY BANKING. I HAVE SAVING AND CHECKING ACCOUNT WITH XXXX XXXX AND THEY STILL PLACING RESTRICTION ON MY CREDIT CARD ACCOUNT ENDING # XXXX  WHICH SHOWING ON MY CREDIT REPORT AS CREDIT LINE OF {$500.00} IT 'S BEEN OVER A YEAR AND THEY STILL AS OF TODAY XX/XX/XXXX DENIED TO REMOVE THE RESTRICTION.
I WANT THEM AS CAPITAL ONE CONSUMER TO THEIR BANK TO REMOVE THE RESTRICTION IMMEDIATELY OR PLACED TWO VERIFICATION DEPOSIT TO MY XXXX XXXX ACCOUNT AND I WILL VERIFIED THOSE DEPOSITS FOR SECURITY PURPOSES BUT I DO NOT WANT THEM ON CONFERENCE CALL WITH THE BANK.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Pintor Partners, LP
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Yesterday I made a transfer XXXX dollars to XXXX account in BARRI FINANCIAL GROUP ( XXXX, TX ) so the casher told me that the money will be available within 30 minutes but this money already doesnt available in the XXXX account. 

I try to call at customer services but they ( barri financial ) told me that the money was send yestarday but isnt true. 

the transaction number is XXXX and XXXX.- XXXX I sent this money to XXXX XXXX XXXX XXXX at XXXX account XXXX XXXX XXXX  XXXX 

can you help me please? 

regards! 

XXXX 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 2017-09-04
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: Investigation took more than 30 days

Complaint:
On XXXX XXXX I received a letter from this auto lending company XXXX XXXX and when I spoke with them via phone they explained that they would remove this transaction from my credit report that shows 3 times over XXXX days late I am attaching a letter that shows that this matter was settled these transactions should have been removed from all three Credit Reporting Agencies XXXX Experian and XXXX  because they agreed to remove these transactions they are now along with XXXX  XXXX and Experien in violation of the Fair Credit Reporting Act.

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 2017-09-07
Company: Experian Information Solutions Inc.
State: NY
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:
Follow up to XXXX XXXX 's response to COMPLAINT ID XXXX : 7 accounts in varied amounts originated bXXXX XXXX XXXX  are reported on several credit reports belonging to myself. Information on these accounts have been reported erroneously according to the XXXX. This data was disputed in XX/XX/XXXXand was not removed nor changed. An Experian credit report generated in XX/XX/XXXX lists XXXX XXXX as the creditor at that time. Sometime after this report, XXXX XXXX began to appear in XXXX XXXX  place. The XXXX XXXX accounts were closed and paid in full in XX/XX/XXXX. I had never even heard of XXXX XXXX until it appeared on my credit report. After doing some research I learned how XXXX XXXX broke off from XXXX XXXX in XX/XX/XXXX. I have contacted both companies via postal mail, phone, email, disputes by XXXX, and finally by filing complaints through the Department of Education and the Consumer Financial Protection Bureau. XXXX XXXX never had the authorization to obtain my credit information or personal data. XXXX XXXX never had the authorization to give this data to XXXX XXXX. In addition, both companies continue to report the same accounts on my credit reports depending on which agency you use. XXXX XXXX response in the CFPB investigation was that the accounts were not theirs so the issue was not either. I have a lot of ink that proves otherwise. In addition, you will see that beginning in XX/XX/XXXXthe screen shots show that the accounts were 90 days late yet the month prior was current. This is also a clear discrepancy and erroneous reporting. The information can not possibly be accurate.

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 2022-07-14
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
In 2022, as we have been facing low housing inventory, the financial mortgage institutions promised to only perform hard credit inquiries once, if kept within the 60 day mark, or as needed depending on the purchase offer. With only 3 rejected offers within a 60 day frame ; now that we matched an accepted home deal, our credit score reports multiple ( 7 ) inquiries that have severely lowered our credit score affecting our loan, negatively.. This is unfair. We are dealing with limited options, high housing prices, soaring interest rates and now, also greedy mortgage banks highjacking our budgets! 

Also, those XXXX XXXX or mediocre XXXX  bills that are sent to collection agencies should be written off! How can your agency allow for XXXX bills to damage our aquisition power ; when we have no vote against those outrageous medical fees?

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 2022-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
My name is XXXX XXXX i am submitting this complaint without any influence from any party or agency.Please see attachements/ attached documents and ID as it contains my full complaints and request

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 2021-02-20
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX, XXXX and Equifax is in serious violation. They received my Notarized ID Theft Affiavdate, Police report and the law that governs my demands to be solved within 3 days of receiving my information. Not following Federal Law makes XXXX Criminally liable. Under 15 USC 1681b- Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave XXXX written permission/ consent to report anything on my consumer report. No consent means Identity theft which XXXX  can be held criminally liable XXXX, XXXX, And Equifax is also breaking the law which protects me a consumer by furnishing this information which is a direct violation of 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX  data breach/identity theft and may have got into the hands of the wrong person.

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 2017-09-07
Company: Coinbase, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I submitted a wire transfer for {$12000.00} to my XXXX account on XXXX/XXXX/XXXX. XXXX is the exchange operated by Coinbase , Inc . The XXXX website states that " wire transfers submitted by XXXX PT may be credited to your account on the same business day. Otherwise, funds will be available after one business day. '' The sending bank has confirmed that the funds were received, however as of writing this 6 days later, I can not access the funds through my XXXX/Coinbase account, and Coinbase has been unresponsive to my multiple requests for updates/customer support. 

I have the federal reference number, sending/receiving account numbers and other information to ID the transaction if necessary. Apparently I am not the only one experiencing problems with Coinbase wire transactions, see this thread from their customer support forum : https : XXXX Thanks in advance for any help in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem adding money

Complaint:
I am trying to add money but Serve will not let me. Their fraud department has to resolve the issue and during the Covid pandemic it takes more than 3 hours to get a person on the phone. 
I called 2 times on XX/XX/2019 I called 1 time on XX/XX/2019 I called 5+ times XX/XX/2019 ( I spent 3+ hours first call, 3+ hours second call ) They did not resolve the issue. Every time I add a new card this happen even though they have already verified my new debit card source of funds by sending transactions to the debit card being and I verified them successfully the serve card never loads and the people that work there are unable to resolve it without calling a multiple number of times. Now with multiple hours on hold each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
XX/XX/2021 paid application fee to view unit thru XXXX XXXX XXXX. I'm a sec8 tenant. I paid to view a 3 bdrm unit at XXXX XXXX. XX/XX/2021 I received an email stating the the unit will not be shown on date set up XXXX. Once XXXX was contacted regarding the refund I was told the unit had been rented by owner and to go back on-line to find another unit. There was nothing on the web site that will take my 3 bdrm voucher. All my personal information was forward over for income verification. No response from XXXX XXXX just a link to view more units that I have to still pay for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-14
Company: Medical Data Systems, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Medical Data Systems Inc at XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX has been sending me collection notices in the amount of {$210.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

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 2020-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2019-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are many mistakes appear in my report without my understanding.

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 2022-07-14
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I used Venmo on XX/XX/2022 to send money to my cousin. At the suggestion of Venmo Customer Service, I send the money in two separate transactions ( {$2500.00} and {$2400.00} ), and I also added my Debit Card to my account to send the money from. I had contacted Venmo customer service because I was getting error messages and a locked account upon trying to send the money. 

After the money left my account, I checked with my cousin to confirm she had received it. She did not received the money. So she contacted Venmo customer service. They asked her for her driver 's license number, her bank account number and several other pieces of information. The money still didn't go into her account. She contacted them again, and they said that it would take 10 to 14 business days for her to receive an email from Venmo that would allow the money to go into her account. A few days later, she was told by Venmo Customer Service that her account was locked, and she was being investigated for internet fraud. 

She is still waiting for further information from Venmo and is concerned that the money will somehow never be put into her account. I was never contacted by Venmo to confirm that I did intend to transfer the money to her and prove that it was not a case of fraud. Venmo has not provided sufficient information about the reason for holding her money, and we are very concerned about Venmo never transferring the money into her account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: EQUIFAX, INC.
State: IL
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 XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX is falsely reporting my account history. THEY have not reported correct payment history with the original creditor. The credit bureaus are not verifying the accounts on my credit file correctly. I have never received the original binding agreement from these creditors nor are they reporting accurate payment history in over 90 days of disputes. Please send me proof of late payments and proof these credit bureaus are verifying the accounts with my signature. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

Company response to consumer: Closed with explanation