BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-29
Company: EQUIFAX, INC.
State: MA
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:
my relationship began with XXXX XXXX back in XXXX, back then I was led to believe that if one had no credit or e=was even looking to re establish a line of credit that as long as I made on time month payments and was in good standing throughout the agreement I would be ok. as just stated it is advertised and in their contract agreement. I have never been one to really examine or even request for my credit reports until the summer of XXXX, I expect greater things in life such as a house, a car etc. so as I started analyzing my reports I noted that XXXX was in fact reporting to the credit bureaus however, they were limiting what was being reported. the biggest thing that creditors look for when determining credit worthiness vs risk is a consumers payment history, available credit limits, debt to credit ratio, actual monthly payments, and account activity. XXXX negligence to implement those most critical pieces of information while submitting the little that they did has really made difficult for me to build a name in good faith in my community. you see as of XXXX XXXX I started my own business and my business has suffered severely. I cant get a business line of credit, a company vehicle, and my insurance was out of this world. to date I have given to the XXXX XXXX over 35,000.00 and my only source of income at the time being is a monthly social security check however, every month they were paid and paid on time. their method of reporting accurate information is not fair nor is it right when will it be fair to us consumers?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: EQUIFAX, INC.
State: VA
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 who has been granted a Durable Power of Attorney ( Copy Attached ) by my sister-in-law, XXXX XXXX XXXX, to assist with her issue with Equifax. 

On XX/XX/2022, a conference call was convened that included XXXX XXXX and me along with the collection agency, XXXX XXXX XXXX ( " XXXX  '' ), reporting the derogatory markers that diluted the credit scores for the three national credit reporting agencies. The XXXX  representative agreed that there was a need to properly validate the legitimacy of the claimed amounts due as reported on XXXX XXXX credit profile. During the telephone call, the XXXX  agency representative was unable to supply proof of the debt. Further, XXXX XXXX states that she had never received any statements or applicable communication regarding the debt, and was unaware of the claim until she performed a routine check of her credit profile. 

Immediately following the call, I immediately confirmed the conversation in writing and advised XXXX  of their requirement to adequately prove the alleged debt as required by the FDCPA prior to attempting to collect the claim. I also placed Equifax on notice of their requirement under the FDCPA of their requirement to either substantiate the debt or remove the affected derogatory markers within 30 days of notice. 

More than thirty days has elapsed, and despite follow-up efforts, Equifax has not removed the delinquency markers from XXXX XXXX credit profile. It is noteworthy that XXXX XXXX has removed all of the derogatory markers from XXXX XXXX XXXX XXXX profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Hello dear Cfpb I applied Gold Card with barclays when i called to ask status i was asked to supply verification documents which i did, after couple days i called to get information about status of my application. I was very disappointed to be informed my application was turned down even though i have flawless credit and very good relationship with Barclays Bank and i have great income. I asked to speak manager his name was XXXX with operator ID number XXXX he asked me about why i have inquires so many and i respond that its not accurate i do not have inquiries at all and in fact i did not have any in my XXXX  credit file until you pulled it and placed hard inquiry in my credit. Long story short i think there is some bias and double standards with this bank and i want fair resolution please. 

Thank you Best Regards

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 2022-09-07
Company: ALLY FINANCIAL INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX steal XXXX from my checking with Ally bank unauthorized Ally allowed without authorization Ally overdraft my account over 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 2019-12-02
Company: Guild Mortgage Company LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We are behind on our mortgage payments. Our application is in Loss Mitigation awaiting my hardship letter which I sent last week. I called to pay XXXX $ this morning and Guild would not take it. 
I would like a letter stating why I wasnt allowed to make a partial payment. We are trying to do everything we can to keep our house and not being able to pay was not what we expected from your company who states they try to keep people in their homes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Collection Services has 3 negative accounts listed on my credit report that is not mine. The debt collector agreed to delete the debt from my credit report because the information is inaccurate and the address on file is not mine. However, the debt is still on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: KEYCORP
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They have been told repeatedly to stop contacting my place of employment, my employer has even told them that I am not permitted personal calls at work - they wo n't stop calling

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On going loss mitigation negotiations. Specifically, met plaintiff 's XXXX short payoff demand. Provided proof of funds. Plaintiff 's servicer Faye Servicing has not been attentive in processing the XXXX 's XXXX short payoff transaction that has been pending several weeks before the scheduled foreclosure sale. 


FORECLOSURE CASE NUMBER XXXX FLORIDA XXXX LENDER PHONE NUMBER XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, 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:
As of XX/XX/2022, I no longer have any student loan accounts with XXXX XXXX. The balance should be reporting as XXXX on my credit report. Their information is as follows : XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX The total of all loans was {$140000.00} but should now be reporting -0-. They are reporting my loans incorrectly and this is hurting my credit score. Please investigate and remove from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
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:
As of XX/XX/2022, I no longer have any student loan accounts with XXXX XXXX. The balance should be reporting as -0- on my credit report. Their information is as follows : XXXX XXXX XXXX 6XXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX The total of all loans was {$140000.00} but should now be reporting -0-. They are reporting my loans incorrectly and this is hurting my credit score. Please investigate and remove from my credit report 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 non-monetary relief
Consumer complaint received 2017-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX 2017 with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from Transunion, XXXX, and XXXX with no success. They have refused to update information. Account to be removed : XXXX XXXX & XXXX # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Transunion and XXXX XXXX have ignored my request that the information such as amount owed, date of last payment, the balance, and type/responsibility of account are all incorrect. Although they have said it's been verified I have not received any documents to show the proof. Certified letters with tracking numbers have been sent to both parties and I have not received anything from either party with the documents I have requested. This is not 100 % accurate on my credit report and I would like it deleted off my credit report within 30 days.

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 2022-03-11
Company: EQUIFAX, INC.
State: NV
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 am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
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:
This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX 2017 with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX, Equifax, and XXXX with no success. They have refused to update information. Account to be removed : XXXX XXXX & XXXX # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXXsold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. If no proof found, therefore it must be deleted. 

Chapter XXXX Bankruptcy Dismissed : XXXX, Chapter XXXX Bankruptcy Dismissed : XXXX, Chapter  XXXX Bankruptcy  Dismissed : XXXX and Chapter XXXX Bankruptcy  Dismissed : 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 2019-08-07
Company: Experian Information Solutions Inc.
State: NV
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:
It is clear to me that a mistake has been made on my credit report ... These companies conducted a credit inquiry without my authorization.. I disputed the inquiries but it came back verified. I never gave this company the permission to check my credit report.. Please take this off XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: Prince Parker & Associates
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX billed my family {$610.00} for treatment rendered in XX/XX/XXXX for the first time on XX/XX/XXXX. Because we were billed for this treatment long after the service date, I questioned the validity of the bill. I contacted the company and verified the debt, but because I had recently separated from my wife, there was some confusion over how the debt would be paid. I eventually contacted the company directly and asked them to divide the debt into two payments, and paid the first half of the debt immediately over the phone by credit card on XX/XX/XXXX and arranged to make the second payment the following month. I made the second payment on XX/XX/XXXX through online bill pay on my XXXX XXXX, and the payment was confirmed by electronic delivery. Little did I know, that despite my efforts to satisfy this debt in a timely manner. They immediately sent the second half of my debt to a collections firm, Prince Parker & Assoc. They did not report to this collections firm that I had satisfied the payment in full, and the collections agency continued to harass me for the debt even after I assured them twice that the debt had been satisfied on the above date. In a third call with an agent of Prince Parker on XX/XX/XXXX, I was told that it was my responsibility to call their client XXXX and ask them to confirm with Prince Parker that the second payment had been received and that the debt was satisfied. At no time did the agent with Prince Parker offer to confirm with their client that the debt had already been satisfied. Given the circumstances, the late billing, my effort to reach out and set up a payment plan, making the payment in full within 30 business days of my voluntarily setting up a payment plan, and XXXX sending the debt to collection anyway, and not confirming in a timely manner with the collections agency that the payment had been received, and the collections agency refusing to verify the payment with their client after two separate phone calls, and continuing to call me instead of their client during working hours. I feel like both XXXX and Prince Parker & Assoc. engaged in bad business and abusive collections tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: Experian Information Solutions 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:
This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX, XXXX, and Experian with no success. They have refused to update information. Accounts to be removed : XXXX # : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX Unknown, XXXX XXXX XXXX  # : XXXX, XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX # : XXXX , XXXX XXXX # : Unknown , XXXX XXXX XXXX # Unknown , XXXX XXXX XXXX : XXXX . I have never lived at XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL. Never worked at XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11
Company: Experian Information Solutions Inc.
State: MD
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 applied for a XXXX XXXX XXXX on XX/XX/2022. I was denied and given an adverse action letter that states information from XXXX was used to make their decision. However, my Experian credit report was also pulled and resulted in a hard inquiry there too. There is no permissible purpose here because that specific credit report wasn't even used to make a decision.

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 2021-05-06
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
This complain is about Coinbase Crypto currency platform.I opened my account with them in XXXX XXXXAfter successfully opening my account, I started buying Bitcoin and other crypto currency for a month or so.All if a sudden, my account was under review and it has been over 3 months and not been resolved. 

I have emailed support on several occasions but got automated response and nothing has been done.There is no phone number as well.I have submitted all required documents which were asked when opening the account and not sure why it is review. 

I am loosing hope and need desperate help to get my money back. 

Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-25
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
- Opened dispute with Citi on XX/XX/XXXX for a transaction of {$3100.00} with XXXX XXXX on XX/XX/XXXX. 

- Vendor performed work on my car including putting on new brakes, rotors, wheels, wheel spacers, and tires. Vendor damaged my radiator during repair process and refused liability. Radiator caused car to overheat and had to be towed to be fixed. Three days after receiving car from vendor front passenger side wheel and tire came off on highway. Causing serious damage to car in excess of {$15000.00} and eliminating all trust in the work done by vendor. 

- Retained an attorney to open a successful lawsuit against XXXX XXXX for damages caused to car, not including original purchase amount. 

- Sent Citi all insurance information from accident, repair bills, and lawsuit information to dispute the original charge from vendor.

- Vendor responded with a fax of a invoice, and Citi closed the dispute with no refund issued. 

- Retained attorneyXX/XX/18 on to demand that Citi refute these charges from vendor and reimburse me the complete amount of {$3100.00} and provided additional evidence from 3rd party XXXX XXXX and XXXX XXXX used in lawsuit to prove vendor fault. 

- Citi closed dispute with no action taken on XX/XX/18 with the following response : " We no longer have any available means to assist you in this matter since the timeframe in which to resolve a dispute has passed ''.

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