BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-02
Company: CAINE & WEINER COMPANY, INC.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Since they ignore this on XXXX We are talking about the XXXX trade line now, which I've vehemently denied owing anything to them or you all. I've told you all that I never received any debt verification in the time allotted ( which automatically makes the trade line in slide and by law needs to be deleted ) but I also contacted this company through their own website to which I never received a response asking for the same things. I don't rent from XXXX, nor do I owe them any money BECAUSE I never rent from them, never had a reason to, I have my own car. XXXX never provided me proof, nor did this company... .I 've gotten so many fraudulent accounts off my credit, since I've actually learned and looked at my reports, and this is CLEARLY another one. Remove the tradeline for XXXX off of all my credit reports, ( XXXX, XXXX, XXXX ) IMMEDIATELY & Permanenetly! My attorney has told me I've been extremely patient, but I'm trying to avoid litigation as it's honestly a slam dunk because there is no proof of me owing the XXXX debt ... .BUT that doesn't mean it won't start in an instant as I'm tired of this and am trying to resolve this to move on with my life. DONT make this harder than it has to be... .just delete the XXXX tradeline XXXXnder you alls name and this stops ... .Do n't... .and you will be sued. Last time I'll say this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX, and Experian you are both in violation! Because I disputed this account, and XXXX XXXX said that this is valid on XX/XX/2022, and Experian you are in violation for furnishing without my consent ( the audacity of you Experian. ) Experian, I am reporting you for aggravated identity theft 18USC 1028a. 
You did not contact me in writing form to verify my account before furnishing my private information. YOU ARE IN VIOLATION! 

XXXX XXXX, I am reporting you pursuant to 18 U.S. Code 1028- Fraud and related activity in connection with identification documents, authentication features, and information.

My consumer credit report should have been listed as PAID ON TIME and the balance needs to be 0, as of XX/XX/2022 XXXX XXXX, you have my balance {$100.00} you are in violation 12 CFR 226.11 - Treatment of credit balances ; account termination. 

Billing errors. 15 U.S. Code 1666 - Correction of billing errors You are both in violation, I tried to correct the errors and you both XXXX XXXX, and Experian failed to fixed them. I HAVE THE PROOF!!!

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 2017-08-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I verbally accepted the 3rd option via Telephone with chase. The day I accepted the terms was the day I spoke to the representative XXXX. I requested several time that they mail me the terms and conditions. They stated that the document I was holding was a legal document and that nothing else was going to be mailed out. This information should be on the recorded messages, as all call are recorded. 

I began making payments every month on theXX/XX/XXXX. I called it in on theXX/XX/XXXX per our conversation. When I found out that I was not going to be able to modify the loan is when I placed the property up for sale. I tried getting the full balance owed so I can pay off the agreed upon total. The representatives from chase ( Contracted 3rd party ) refuse to take my payment or give me the balance owed with interest. 

What chase did was not right. I made all the payments as per our conversation. I never intended not to keep the property. They were rude and disrespectful. They would insult me various times. They placed a lot of stress on me, even though I told them I was not well they continued to be mean. it come to a point where nobody but the supervisor XXXX XXXX could have contact with me. nobody else was allowed to talk to me. I tried multiple times to escalate this matter to another department but nobody would respond back to me. 

I would understand if I had stopped making payments but I kept my part of the bargain. Chase is the one who retracted on our contract without any notification. They would not accept my payments or get back to me with the balance due. i feel they have shady busines practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: Capital Home Advocacy Center
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I am currently having trouble paying my mortgage and in order to avoid foreclosure, I found this company, Capital Home Advocacy Center, since my lender did not qualify me for a modification, and they wanted me to pay {$810.00} for 3 months before beginning. Unfortunately I payed for the first month, XX/XX/XXXX, and realized soon after that they are not legit after I spoke to my lender and they said they knew nothing of Capital Homes, even though Capital Home said they are working with my lender. I also looked up warning signs of scams and Capital Home fit at least 3 of the red flags listed. I tried to call after sending an email telling them I do n't want to continue and that I want a refund of the {$810.00} I sent and I ca n't get anyone but I am still trying to contact them everyday.

Company response to consumer: Untimely response
Consumer complaint received 2017-08-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This complaint in in regard to another complaint I have open. This is how these credit bureaus try to slight people but this is fraud!!! This morning I received an email FROM XXXX stating that my address has been updated with them and to call the number on the back of my card if I did n't authorize this. I DID NOT AUTHORIZE THIS. I DO NOT HAVE A CARD OR ACCOUNT WITH THEM. THESE CREDIT BUREAUS are trying to use the address I provided them to update this account on my credit profile to claim this is me that opened this account WHEN IT WAS NOT ME. This is fraudulent! I do n't even know what address they placed on this XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I 've submitted more than a few request for deletions by phone and by mail for all three of the credit bureau, XXXX, XXXX & Experian. Effective XX/XX/XXXX law went into effect regarding the removal of public records and tax liens from credit reports, that if an item is on your credit report if must reflect Name, Address, Social Security Number/and /or birthdate this was issued from CDIA - Consumer Data Industry Association which became law. None of these  credit bureau have that information which has been made law and the records should be deleted from my credit file. 
In the same request I 've asked the XXXX above listed credit bureau to provide me with a copy of the application or any verification that has listed negative information on my credit reports, specifically inquires made on ( Experian ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX ' & XX/XX/XXXX. ( XXXX ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. ( XXXX ) XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. 

To date I have not received this information and again they are stating they will not provide any verifications. There is also negative information reporting from a XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, & XXXX XXXX account ending in XXXX, I have ask for verification paperwork to be sent to me and requested that it be deleted, the credit bureaus have refused and is not in compliance with the RECORD KEEPING REQUIRMENTS, Section 609. The 15 U.S. COde 1681g-Disclosure to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. The credit bureau are regulated by the government due to the nature of their business. 
I am asking that all the above injurious items be deleted from my credit report from all three of the credit bureaus XXXX, Experian & XXXX. 

" Great minds discuss ideas ; Average minds discuss events ; Small minds discuss people '' ~selah~

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 2017-10-16
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have not been able to access my digital wallet with coinbase since I moved my address and all my enquiry dating back to XXXX this year has remained unanswered. I can not get a response from them to resolve my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX 's account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 a number of inquires on my credit report that I did not authorize or sign for. I need these inquires removed immediately as it is negatively impacting my credit score. 

XXXX XXXX XXXX  - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX XXXX XXXX Finance Reseller Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Finance Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date : XX/XX/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 2019-11-27
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home mortgage was transferred to XXXX XXXXLoanCare LLC from XXXX when XXXX filed for bankruptcy. I have lived in my home for almost 20 years and have had a late payment from time-to-time, but no major issues. 

The transfer process was confusing. I wasn't sure where to send my payments or even what I account number was. 

Once I found the information, I sent a payment on XXXX XXXX for {$610.00} via bill pay with my bank. The payment was returned on XXXX XXXX. I did not immediately notice that the payment was returned. I made another payment on XXXX XXXX for {$610.00} via bill pay with my bank. That payment was returned on XXXX XXXX. Again, I did not immediately notice the return in my account. 

I never received a phone call or email message from LoanCare. The first letter I received was mid-XXXX  when I was notified that I had missed 3 payments. 

Once I realized what had happened, I called LoanCare ( XXXX XXXX, I believe ) and paid over the phone. They only allowed me to make 2 payments ( I'm not sure why ). At that time, I found out my account number had changed. I suspect that is why my XXXX and XXXX payments have been returned. This payment cleared my bank account on XXXX XXXX. 

I tried to pay on LoanCare 's website to avoid all of this, but because my account is past due, I am unable to pay online. It seems like they are making it as hard as possible for me to make a payment. 

I updated the information with my online bill pay and paid XXXX, XXXX, and XXXX 's payments via online bill pay again : {$2000.00} on XXXX XXXX. LoanCare has not credited this payment to my account. I am working with my bank to obtain proof of payment ( which I should have early next week ). 

At this point, I can not pay over the phone because the {$2000.00} that I sent on XXXX XXXX is no longer in my account and I don't have the funds to make a payment today. 

The problem is that LoanCare has my status as 3 payments past due and they could begin foreclosure at any time. They said there's nothing more I can do until I submit proof of payment ( which I should have early next week ). When I asked the Collections Department if there was anything more I could do there was a long silence and then she asked, " Is there anything else I can help you with? '' I asked my question again she did the same thing. It felt very rude, and almost like she wasn't listening to me. 

You don't have to search the Internet very hard to find multiple complaints about LoanCare. My experiences so far ( from the start of my mortgage transfer until today ) match the other comments I'm seeing online.

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 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 A NUMBER OF INQUIRES ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE OR SIGN FOR. I NEED THESE INQUIRES REMOVED IMMEDIATELY AS IT IS NEGATIVELY IMPACTING MY CREDIT SCORE. 

XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX XXXX XXXX  Miscellaneous and public record Inquiry date : XX/XX/XXXX XXXX XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX XXXX Department, variety, local, regional, and national chains Inquiry date : XX/XX/XXXX XXXX XXXX Miscellaneous and public record Inquiry date : XX/XX/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 2017-08-29
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I 've submitted more than a few request for deletions by phone and by mail for all three of the credit bureau, XXXX, Equifax & XXXX. Effective XX/XX/XXXX law went into effect regarding the removal of public records and tax liens from credit reports, that if an item is on your credit report if must reflect Name, Address, Social Security Number/and /or birthdate this was issued from XXXX XXXX XXXX XXXX XXXX XXXX which became law. None of these  credit bureau have that information which has been made law and the records should be deleted from my credit file. 
In the same request I 've asked the three above listed credit bureau to provide me with a copy of the application or any verification that has listed negative information on my credit reports, specifically inquires made on ( XXXX ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX ' & XX/XX/XXXX. ( Equifax ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. ( XXXX ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX.
To date I have not received this information and again they are  stating they will not provide any verifications. There is also negative information reporting from a XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, & XXXX XXXX account ending in XXXX, I have ask for verification paperwork to be sent to me and requested that it be deleted, the credit bureaus have refused and is not in compliance with the RECORD KEEPING REQUIRMENTS, Section 609. The 15 U.S. COde 1681g-Disclosure to consumers requires CRA 's to disclose the sources of  information regarding the negative events that are being reported by your agency upon request by the consumer. The credit bureau are regulated by the government due to the nature of their business. 
I am asking that all the above injurious items be deleted from my credit report from all three of the credit bureaus XXXX, XXXX & Equifax. 

" Great minds discuss ideas ; Average minds discuss events ; Small minds discuss people '' ~selah~

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Since XX/XX/2021 I paid my Synchrony XXXX XXXX payment card in full. The balance was {$3700.00}. Both XXXX and XXXX show the account closed by consumer, and paid in full which is correct. 

XXXX however, still shows {$3700.00} - I have contacted Synchrony Bank AND XXXX to have the account information brought current. I asked Synchrony Bank today to send a record update over to XXXX, whereby the customer service representative stated it will take 30 days to have this processed. He was very courteous but I explained I can't wait 30 more days. 

I have already waited 40 days, to add another 30 days, makes it 70 days or almost three months, which is a quarter of a year. 

The issue is, I am refinancing my property, this balance of {$3700.00} / {$7200.00} credit line can be considered high utilization, and a negative factor in my FICO score calculation. Even if it is a closed account, the credit reporting agencies add the credit line to my total credit lines available and use it to calculate the debt ratio of all balances of all accounts.

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 2022-03-04
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: Their investigation did not fix an error on your report

Complaint:
I have disputed a late payment with XXXX on a credit card, and neither the credit bureaus nor XXXX took my complaint seriously. XXXX reports two late payments on a credit card, but the credit card was stolen. I called to alert them of the stolen card and sent in a payment. I sent in email documentation, and nothing has been done. It is showing very negatively on my account, and this is unfair. 

Also, XXXX is still reporting negatively on my credit report, and the balance was paid in full. Due to a car accident, I had payment arrangements set up with their regional XXXX. When I made the payment, I was told that it would not reflect negatively on my credit report, and it is still showing negative. XXXX is showing the account is still open, and it is not. It is an apartment that I no longer live in. Everything was paid in full according to the payment arrangement. The company received the payment and took a personal attack against me by leaving this incorrect information on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 A NUMBER OF INQUIRES ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE OR SIGN FOR. I NEED THESE INQUIRES REMOVED IMMEDIATELY AS IT IS NEGATIVELY IMPACTING MY CREDIT SCORE. 

XXXXXXXX XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  and XXXX & XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/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 2018-02-22
Company: ERC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This was a dispute about charges on my XXXX cell phone account years ago. I tried to resolve the problem with the company but they were not open to discussion and sent me to collections. I a hard working person and pay my bills but when I am getting overcharged and the company will not work with me to resolve the issue and just sends me to collections. I do not feel that is fair. I would request that this Derogatory Mark be removed from my credit report as I tried to work with XXXX but they just sent me to collections and I do not have a contractual relationship with this company ERC and do not owe them anything. Please remove this from my credit report. 

The Second Mark on My Credit report is a Lein placed on my account in error. As you can see it was placed on my account and removed the sale day. Please remove theses Derogatory remarks on my Credit Reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation