BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-12
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have repeatedly requested Experian Consumer Assistance to remove a " XXXX XXXX '' who social security is quick different my my own, which is constantly hindering my credit approach to a better life. XXXX and XXXX got it right, still Experian has failed to correct the problem. See attached 8 page credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-04
Company: BB&T CORPORATION
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I purchased a vehicle from XXXX XXXX XX/XX/XXXX, A XX/XX/XXXX Sonata. Regional Acceptance financed the vehicle for XXXX months at 16 percent interest. I have had the car for 4 years making monthly payments of XXXX. As of today XXXX payments have been made totaling XXXX dollars. Regional Acceptance says I still owe XXXX on the loan, which is not correct and impossible for a loan that is 48 months into the XXXX month term.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Experian has again sent misleading and false results, citing items I never disputed and disallowing me from viewing my report on line. They have XXXX Fraudulent Inquires that I have sent XXXX LAW ENFORCEMENT REPORTS IN, with respect to XXXX, XXXX, XXXX They refuse to comply with the law, and thus deny me access to my report and ability to dispute items. They have an address listed I do not reside, ironically an inquiry listed at such address. They are purposely doing this in contravene to the FCRA. This is tantamount to fraud

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Portfolio Recovery Associates is attempting to collect a debt that has been settled with them in XXXX 2015. Please see attachments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-06
Company: Coinbase, Inc.
State: AK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
this is the transaction history with no response from coinbaseXXXX this is the last email i sent after several before emails which i sent XXXX XXXX ( 3 hours ago ) to Coinbase who authorized the withdraw? 
Withdraw XXXX XXXX  - XX/XX/2021 EST XXXX the size : : XXXX XXXX also i made the deposit Deposit XXXX XXXX - XX/XX/2021 EST XXXX XXXX {$9100.00} ANOTHER ISSUE WHO authorized the withdraw of ETH  XX/XX/2021 - XXXX XXXX EST XXXX {$3800.00} XXXX subtotal:XXXX6 Destination Address:XXXX Transaction Hash : XXXX COMPLETED>>>>> THIS IS MY DEPOSIT XX/XX/2021 - XXXX XXXX EST XXXX XXXX Transaction ID:XXXX  Transaction Hash:XXXX {$3500.00} this was done i assume on there trading plate form i have the address i sent from my hard wallet ( offline wallet called XXXX XXXX XXXX ) to them please publish but please remove my name

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
As of XXXX XXXX, 2016 I became aware that I was a victim of identity theft. I have since contacted all three credit reporting companies, including Experian, and found out that apparently whomever had stolen my identity had also gone so far as to establish an online credit monitoring account with Experian as well. So far, as of this morning there are multiple " inactive '' accounts with my personal information like ; SS #, Date of Birth, address etc that are presently associated with a completely different name. I have spoken to the Experian credit monitoring service a total of ( 4 ) times within this past week, with the most recent being for 2 hours yesterday over the phone, and they continue to tell me that these accounts can not be closed but they are inactive. Unfortunately, because of this I am unable to establish a member account online so that I may monitor my credit more closely in hopes to better avoid and prevent identity theft from happening to me again. I have tried on multiple occasions, waiting a minimum of 24 hours in between each attempt while also trying to create new accounts with new emails, passwords, payment information, etc. to no avail. I simply can not understand why there appears to be no one that can help me establish a monitoring account. You would certainly think that they would want my money for obvious reasons, but if for nothing else I would certainly appreciate someone helping to remove these accounts, however many there are, so that I may legitimately establish my own.

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 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$750.00}

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 2015-06-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
In XXXX I pulled my free credit reports. I noticed that Portfolio Recovery Associates had recently placed a collection account on my file. I did not recognize this account and initiated a dispute. The dispute came back as the account being verified. I called Portfolio Recovery to inquire about the account and they informed me that they could not take any action on the account until XX/XX/XXXX because they were waiting on the original creditor to furnish verification documents. Portfolio Recovery reported negative information to the credit bureaus before verifying the information. When I questioned the validity of the account they were unable to provide proper documentation. The representative did state that this account is a charge off that is dated in XX/XX/XXXX. This false reporting has caused me to be denied for credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
called regarding the collection of a debt. however, I do n't owe on anything except a credit card ( paid in full every month ) and my mortgage ( paid every month automatically ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Portfolio Recovery Services calls me constantly and has done so for over a year. Since they are a debt collection company, I assume they are calling for a debt. I do not owe any debts other than a mortgage which I pay on time each month. This company calls a minimum XXXX times per day early morning and late at night. I have logged XXXX different numbers used just in the months of XXXX and XXXX 2015, making blocking of the numbers extremely difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: Harley Davidson Financial Services Inc
State: WV
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
We purchased a brand new XXXX in XX/XX/XXXX. I paid extra for an extended warranty that I feel was never properly honored. First the radio went out after a month, the dealership lied over and over we had to take the bike to another dealership to get it fixed at which point I complanied to XXXX XXXX customer satisfaction and they opened up a case. Few months later the bike had a XXXX, we complained about this on XXXX separate occasions to XXXX different dealerships, the mechanics rode the bike and said it was fine. The bike was not fine it still had the XXXX and now the forks are bent. I complained once more to XXXX satisfaction and nothing was ever done and still the bike has the XXXX. I told them I was not making another payment until they honored the warranty I paid extra money for and still nothing was done. XX/XX/XXXX I recieved a letter stating if I did not pay XXXX by XXXX XXXX the bike would be repossessed. Upon purchasing this bike we traded in a bike that they valued at XXXX plus we put down a down payment of XXXX of our own money not to mention all the payments we made up until the situation. Not only are we out {$15000.00} but we are going to loose a bike that has had problem after problem and nothing has ever been done when we traded a perfectly good bike for this one. My dads name is on the line and he recently suffered a XXXX so I 'm not letting him deal with no ore aggravation over this situation we are in. We purchased the bike in XX/XX/XXXX the dealership still has our stock parts even tho we have asked for them numerous of times. I feel that we have been treated unfairly, we work hard everyday and we 're not rich but we do feel that since XX/XX/XXXX we have been treated unfairly and for us to be customers and giving our hard earning money we should be treated fair. XXXX never done anything to help us out with a bike that had problems but we still continued to make our payments so I feel that we deserve a fair solution and not loose everything that we have put a lot of money out for and wo n't be able to get that money back not to mention its gona hurt the credit report involved. In reality it did not have to come to this if they would have just done what needed to be done in the first place. I paid extra money for a warranty that was never properly honored, and we were lied to over and over again, I feel Harley-Davidson Financil Services should have to make this situation right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian is showing paragon as something I owe. This is a medical debt. I can not owe a medical debt as I am a XXXX/XXXX member and that would be XXXX fraud to charge me for services outside of the insurance. I contacted experian about this and they refused to take it off of my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: First Financial Resources, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: FC HoldCo LLC
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I am a new customer with Flagship Credit Acceptance. I recently tried to call over the course of a week to get a hold of someone to request a change of my due date. Every time I called I was asked some kind of long drawn out survey and had to wait for that to finish before I could use the prompts to get to customer service. I was then placed on hold for a very long time and eventually had to hang up as I had to return to work. When I finally connected to a customer service rep, I was told my account was not current so I was unable to change my billing due date until my account was current. Keep in mind I have never been late and pay on time. I mailed my check to them over two weeks ago, but somehow I am not current. I then asked for a supervisor. I was put on hold again for almost a half an hour. When the manager answered he quoted policy and stated he could not switch the due date. He then told me of the various ways I could pay. I stated I had already sent the check in and could not log in to their website as it was asking me for an office number that was never provided to me. When I asked him for that information since he was not going to help with my due date, he told me I had to call customer service and provided me with the same number I had just dialed to get him. He was rude and argued with me the whole time and made me feel like I was the person in the wrong when I am the customer and well within my rights to call and ask for something. I asked him when was the ideal time to stay out of violation of policy to call and get my due date changed, and the manager could not provide me with an answer. I have never been more dissatisfied with a financial company that I am with this XXXX. They are rude bottom feeders. I was set up with them through the car dealership. Considering all the money in interest they make on just me alone, I would suggest someone never does business with them ... .ever ... under no circumstances.

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 2015-09-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I continue to receive phone calls from this debt collector even after informing them they have the wrong person/phone number. They are calling about someone with the same first and last name as mine, but a different middle name. I have informed them of their mistake and they promise to remove my phone number from their database, yet I continue to receive calls from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: AMERICAN HONDA FINANCE CORP
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 was a victim of identity theft as a result of being homeless and did not have a physical address in 2013. Numerous accounts were open without my permission. The creditors call and harass me daily for debt. I explained that those debts were not mine. They sent me incomplete billing info with inaccuracies. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and I am still fighting that. I hired a credit repair company to help me with these disputes, as I am new to this. They are not cooperating and stated that they are willing to take a settlement. I don't know what else to do so I am finally coming to you guys for some guidance please.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I disputed this item with XXXX and the item was removed and I requested that the other XXXX bureaus be notified, however, this was not done and the same error is appearing on the other XXXX bureaus and it is affecting my ability to obtain employment. I am XXXX. The credit bureau is reporting a public record XXXX from XXXX/XXXX/2011 as belonging to me however, when I called the courts about the debt belongs to someone else ( XXXX XXXX ) and this debt has been added to my report in error and I am requesting that it be removed. Please see attached supporting documentation.

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 2015-07-08
Company: FIRST NIAGARA FINANCIAL GROUP, INC.
State: PA
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Deposits and withdrawals

Complaint:
I purchased a C.D.from my local bank in the amount of {$9000.00}. I was told at the time of purchase that the C.D. had an automatic rollover. I put it in a safety deposit box when purchased in 2003 and took it out last week. I went into the local branch where I bought it and they said they had no record of it. They said to check the state treasury which I did to no avail .I then went to the XXXX, the FDIC and finally was told to register a complaint with this office.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I traded my 2012 XXXX for another car at XXXX XXXX in XXXX XXXX, XXXX Toyota Financial Services reported my car as a repossesion car and reported me to collection agaency by mistake, and ruined my credite from XXXX to XXXX, ofcourse they try to repair thier mistakes but damage was done by thier mistakes, I wonder if anybody from government side can punish this Financial Institution. ThanksXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: EQUIFAX, 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 was a victim of identity theft as a result of being homeless and did not have a physical address in 2013. Numerous accounts were open without my permission. The creditors call and harass me daily for debt. I explained that those debts were not mine. They sent me incomplete billing info with inaccuracies. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and I am still fighting that. I hired a credit repair company to help me with these disputes, as I am new to this. They are not cooperating and stated that they are willing to take a settlement. I don't know what else to do so I am finally coming to you guys for some guidance please.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Portfolio recovery associates contacted my place of work to attempt to collect a debt. I 've also has XXXX XXXX call my place of work to collect a debt as well. They have contacted me repeatedly after I 've told them to not call my place of work. They have also left information with managers and our HR department along with messages asking for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-25
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I was not made aware of this debt/bill by the medical provider or the collection agency it was assigned to. I discovered this {$25.00} debt in collections when I checked my credit report. 

I have XXXX coverage through my medical insurance companies, as does my wife. My wife was also found to have XXXX outstanding bills that were found on her credit report that had gone to collections as well. The bills were created by the same hospital that charged me the {$25.00} bill, which was sent to collections. My wife and I had no idea she had any outstanding bills from this hospital until we checked her credit report at the same time we checked mine. She did not receive any bills or paper work from the hospital or collection companies either. 

The collection agencies removed all of my wife 's bills from her collection reports, but has refused to work with me on this issue. I have asked the medical provider to work with me on removing this from my credit report, because I never received any notification of this bill, but the hospital billing department has refused to work with me to resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: Credit Card Acquisitions Group
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: Old information reappears or never goes away

Complaint:
Foster and Monroe, LLC bought an old debt from XXXX XXXX XXXX, on which the statute of limitations ran in XXXX. They then re-aged the debt and reported it as current. XXXX  said they " verified '' the account as accurate, but they did not take into account it was a re-aged debt, and no proof was provided to me that I owe the debt.

Company response to consumer: Closed with explanation