BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-28
Company: U.S. Auto Sales Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I entered a contract with USAuto Sales on XX/XX/2016. The car was totaled XXXX. I took the proper steps to notify all uncooked parties. Finally on XX/XX/2016 XXXX XXXX emailed me the Service Contact Cancellation, which I returned. Prior to this I'd spoken to XXXX and XXXX as well as XXXX to resolve this matter, to which no resolve was EVER gained. I have tirelessly attempted to resolve this matter since that time. Provided numerous emails, documents and calls to render a resolution. As of recently, I have contacted XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX most of which also promised a resolve also.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: Stellar Recovery, Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Around XXXX or XX/XX/XXXX, I had received a bogus billing from STELLAR RECOVERY # XXXX regarding a {$230.00} bill with XXXX. I immediately called Stellar @ XXXX XXXX XXXX XXXX, explained that I had never had an account with XXXX XXXX and received their statement that their records would be corrected and the matter would be resolved. Shortly thereafter, I received a bill from my XXXX Credit Card and I noted that my FICO d fallen about XXXX points to the XXXX range, so I ordered my free credit reports from the XXXX credit bureaus to investigate the situation. I received the credit reports and noted the bogus report from STELLAR RECOVERY on XXXX reports, XXXX, so I filed disputes with both companies XXXX had the item deleted, but XXXX just added a note that " acct was disputed by Consumer '' with a removal date of XX/XX/XXXX. On XX/XX/XXXX I filed a second dispute with XXXX and n XX/XX/XXXX I sent a formal complaint to STELLAR RECOVERY, with no reply to date. My FICO score remains at the mid XXXX, due to this bogus reporting by STELLAR. Your assisting in deleting this bogus report from my TransUnion account would be greatly appreciated! Sincerely 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 2016-09-30
Company: Stellar Recovery, Inc.
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
When checking derogatory remarks on my credit score, it shows that I STILL owe on this debt. Despite the fact that this was from XXXX a few years ago claiming I did not return equipment, which I did, When I went on their website to pay the total, the option came up to settle for {$41.00}. I have paid this debt to Stella Recovery and should be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I went to an ATM in royse city, tx on XXXX/XXXX/15. I attempted to pull out {$100.00} from my XXXX card from American Express. a transaction record then printed showing that {$0.00} was dispensed. I called BlueBird because although {$0.00} was dispensed, they removed it from my account. They told me that I would need to dispute this. I sent them all the documents they asked for and they told me it would be 10 days. Today ( XXXX/XXXX/15 ) I received email that the dispute was denied. I called the Atm merchant and they explained to me that the dispute was received but they sent nothing back because the were ale to see that no money was dispensed. I then called blue bird back and they told me that they did receive legan documents showing that the money WAS dispensed. I am now going back and for with the ATM and Bluebird, someone is lying to me and I 'm pretty sure its blue bird.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In accordance with the Fair Credit Reporting act XXXX 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

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 2022-08-29
Company: Experian Information Solutions Inc.
State: AZ
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 XXXX 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

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 2016-01-04
Company: Amscot Corporation
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I received a cash advance. When it was due I called and asked for a 4 day extension. I was denied for the first time in 5 years. I was told by " XXXX '' that the check would be deposited in two days knowing that my check will bounce. Then she said that I 'd have a $ XXXX fee from Amscot and XXXX {$35.00} return check charge from my bank. I told her that my mortgage payment will bounce. I was never told that I could n't receive an extension, nor was I offered any other assistance. 

I called the Corporate Office and was told the same, except she said that had I called earlier I could have received assistance. I called XXXX/XXXX/15.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-18
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and noticed a collection from XXXX I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against XXXX in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
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: Account information incorrect

Complaint:
There is an account reporting on my credit file with XXXX XXXX and it has been settled and they agreed to remove it. I am trying to get this removed off my file if anyone could please help me with this I would truly appreciate it. the Plan ID is XXXX and the person that helped me with this at XXXX is XXXX XXXX. Phone number is XXXX Please time is of the essences

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX Account name XXXX 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

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 2022-08-29
Company: MRS BPO, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently got a credit report and the details below on the report are fraudulent. I have never heard of this company nor lived at this address : 1. collection agency : from MRS BPO , LLC XXXX Original creditor name : XXXX XXXX XXXX XXXX ), date assigned XX/XX/2022, {$710.00} owed, unpaid 2. Past address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-12
Company: NATIONS RELIABLE LENDING LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My wife and I signed a contract from a mortgage broker agreeing to a specific interest rate based on a credit report that was not from experian, equifax, or transunion. I received the request notification from the credit beurous dated on the same date the mortgage broker 's credit report was dated saying : The lender has requested a credit report from " us '' : " us '' being the actual 3 credit beauros. The credit score on the credit report from the credit beauros was over XXXX points higher than the score on the credit report the mortgage broker used to determine the interest rate for my home mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2020-09-28
Company: EQUIFAX, 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:
TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1968 ADDRESS XXXX XXXX XXXX, XXXX , FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DP OF EDUC XXXX XXXX   XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX DPEDXXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1968 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX you say i am basically too stupid to come up with this letter and instead of doing a proper invesitigation you claim that im using a credit repair company. please be aware my next option will be certified mail with time stamp and lawsuit. please do a proper investigaiton into these accounts that do not belong to me instead of my letters being too smart for me to come up with. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
Several weeks ago I opened American Express Serve Free Reloads prepaid account XXXX with card number XXXX XXXX XXXX. Yesterday, Amex suspended my account and has been stonewalling me since. 

I had a balance of {$1600.00} in my XXXX XXXX account and wanted to withdraw it into a bank account - which is a feature of the card. Very quickly afterwards and without any warning, I received email that my account has been suspended because of violations of Member Agreement. 

Calling Amex XXXX Account Protection Services yields nothing. They claim that the decision is final and they ca n't do anything about it. They refuse to explain what happened, what I did wrong ( just point to section XXXX which is very broad and non-descriptive ), and refuse to escalate to a supervisor or say what can be done to cure the account to a good standing. It 's a complete stonewalling. 

Additionally, because the account is suspended and not closed, I ca n't reapply for a new account with Amex XXXX as any old account must be closed. 

I request that Amex XXXX either a ) re-activates my account in good standing ( I 'm willing to work with Amex to clear any misunderstanding ) or b ) closes my existing account and allows me to re-apply for a new account. 

I 'm particularly upset that Amex XXXX did n't give me any warning of account suspension, did n't give me any explanation, or a chance to resolve the issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX XXXX, 2016, I was sued by Midland Funding LLC on a debt claim I do not recognize. I have requested the original documents which, pursuant to ADMINISTRATIVE PROCEEDING File No. XXXX CONSENT ORDER, they were required to have before filing the lawsuit, They have failed and refused to provide the documents on representations that they do not have the documents. Their filing of the lawsuit without having the documents is a direct and flagrant violation of the ADMINISTRATIVE PROCEEDING File No. XXXX CONSENT ORDER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: Chime Financial Inc
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hi I have concerns with my checking act. issues by XXXX ( Chime ) There seem to be an issue with ledger balance, mathematically it does not add uo. 
I also have issues with indvidual access my acct. The allege has access to my personal information. I also believe that this an effort of several to fraud lending institutions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I'm a fully verified user of www.coinbase.com since 2017. 

On the last XX/XX/XXXX, my account was restricted. I cant use my funds ( buy/sell/deposits/withdrawals ). There wasn't any reason to do it. The only response I got was the same day, coinbase told me that it would be fixed on 2 days. Now, more than 3 weeks later, my account is still restricted and I've not got any new answer to my case. 

It's really frustrating when a company block your funds, without explanation, without a solution, without any reason, for more than 3 weeks and the support saying nothing. 

User : XXXX Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: ENCORE CAPITAL GROUP INC.
State: IA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am a victim of identity theft and someone stole my personal information and used my personal information and identity to open an unauthorized and fraudulent credit card account with XXXX. I have never applied for a credit card with XXXX. I have been receiving harassing and threatening telephone calls and death threats from Midland Funding LLC representatives in regards to the credit card account and the debt on the account. The credit card account do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: DISCOVER BANK
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:
Discover is reporting false information to the credit agencies. There have been several attempts to correct this information but Discover will not provide the correct information. An account with Discover was included in a chapter XXXX. However, no payments were ever missed on this account up to the Chapter XXXX, and once that began Discover received a payment settlement from the courts. However, according to the credit agencies, Discover has reported Delinquent payments. This is 100 % false reporting, as stated above no late payments ever occurred. During these difficult Covid Times, I am trying to refinance my mortgage to help me through. Discover is holding this back. I'm not saying Discover isn't correct in saying that this account was included in Bankruptcy, I am saying that their reporting of delinquent payments are wrong and must be corrected. This account is scheduled to fall off the report in XX/XX/2021, but during these times, I just can't wait that long. This would help me out tremendously. As can be seen in the attached, this is one of 3 accounts falsely reporting. XXXX XXXX has fixed theirs and that should be showing as paid in full with no delinquencies soon. The other is an account that will also be reported to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I reached out to my mortgage company Ocwen Loan Servicing in XXXX regarding a hardship we were suffering..My husband has XXXX and does XXXX at home and is in the process of getting a XXXX from myself ... Sadly he was let go of his job in XXXX..I contacted them asking to help lower our mortgage payments temporary until we get on our feed and they kept on losing my papers that they requested and kept on wasting months of time to denie helping us ... I mailed them my XXXX mortage 14 days ago and it is not cashed ... they have done this to us before to cause us to fall further behind ... I have emailed them many times and getting no answers ... .I need someone to find out where my mortgage payment is and to deposit it ... .I have never dealt with such incompetent people than this company ... We are living on my husband 's unemployment and paying for our XXXX insurance so he can get his XXXX next month and they will not help us..If you look into this mortgage company you will see how many mass lawsuits have been against them from causing people to lose their homes..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: Paypal Holdings, Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I received money from an insurance company because I was in a car accident and they transferred the money to my Venmo account. Venmo verified my identity and then froze my account. They don't have live representatives to talk to and I don't know what to do

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account name XXXX and 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-28
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started the process from a loan processor for a fha loan with no out of pocket expenses.. He said thats the only loan i can get. Somehow i was lured away by another loan officer who ran my credit and filled out an application for me. He lied on the application. I was told I had to pay {$650.00} for an appraisal which I paid. After the appraisal the loan officer said he made a mistake and i do not qualify for a conventional loan however I would not be refunded for the appraisal. This appraisal should have never been ordered by the loan officer. The refinance option was a result of my asking for forebearance. Since then I had to pay forebearance plan thus never gaining any relief or refinance.

Company response to consumer: Closed with explanation