BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-04-29
Company: Paypal Holdings, Inc
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX international sent me a letter about owing {$1100.00} to PayPal. My PayPal account has no negative balance, and its likely someone opened an account in my name. PayPal agreed that my account is not in arrears.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 discovered that I am the victim of identity theft. Several accounts were opened in my name without my consent, knowledge or approval. At no point did I benefit financially from these accounts. Upon checking my credit report I found the following accounts and inquiries that were not authorized by me and that I did not have any knowledge of. Accounts open without my knowledge : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit inquiries without my knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX via 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 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 XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX The following address does not belong to me and is a result of fraud : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX following phone numbers do not belong to me and are a result of fraud : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I have never lived nor have I been associated with anyone who lives at the address XXXX XXXX XXXX XXXX I have attached a copy of my current lease agreement showing where I live which shows that I moved in XX/XX/XXXXand signed the lease for 1 year. These accounts were opened online and the cards/checks/paperwork mailed to a third party address I am not associated with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-26
Company: Experian Information Solutions 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:
Experian refuses to remove personal information from my credit profile after being informed already of the addresses being incorrect. They claim that since grantors report the address that they assume to be valid This is a violation of the FCRA. Experian has provided no proof to date that I have any connection to the following addresses XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX ca 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 2022-08-13
Company: Experian Information Solutions Inc.
State: PA
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 XXXXXXXX account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXXXXXX account # XXXX, XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXXXXXX XXXX XXXXXXXX account # XXXX, XXXXXXXX XXXX XXXXXXXX account XXXX 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 2019-07-12
Company: FC HoldCo LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/19, I traded in my 2012 XXXX to XXXX XXXX. Shortly thereafter, I receive notice from my credit reporting agency that my account was hit for a 30 day late mark on this account AFTER I no longer owned the car.

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 2021-04-13
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NV
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 was in XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX Nevada XXXX to trade in my old truck for a new one, I had a language barrier with the finance person he said I can have the new truck with no money down, so he made the paperwork in the contract does not said how he got the down payment about 30 days later I received an statement of a credit card under my name given by XXXX , I never authorized that credit car and never spent any balance. so when I went to XXXX to ask them why they did that they took XXXX for down payment and never disclose that to me the Finance person refuse to talk to me. 
I don't know what to do, I fell abuse, mislead it. and I am not making payments on that credit card to me is a fraud and abuse I need to solve this matter cause I am not agreed to any credit card. and I can not make any more payments other than the truck and on top of that the finance is very high Can you please help me so XXXX do not keep doing the same to others they are responsible to explain what they do with the clients. they can not hide down payment they are forcing customers to get what they wants not the consumers I am terrible disappointed at XXXX. I was told to talk to the media about this abuse, but I want to see if we can solve this issue and stop the waste of money and time I only speak XXXX can you have some one to talk to me in XXXX  please XXXX Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Amex credit card incorrectly charged me {$280.00} in 2018 but it was not from me but from someone else as I had not used that card for quite some time. I told them and their collection agency so many times but Amex still insisted to report this fraudulent activities under my duty to pay. This is unfair. I always paid all my actively used credit cards and mortgages without any delay ( avg. > {$5000.00} ) except this particular one from Amex fraudulent transaction. Could you please help me resolve this and so my credit score can get back to the excellent level?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Chime Financial Inc
State: KY
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:
{$500.00} was transferred out of my account without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
Problem Wish Coinbase : XXXX of XXXX i received the XXXX XXXX Tether by XXXX in my Coinbase Wallet ( hash : XXXX ), at the same time I gave my Coinbase forward with the direction that gives me XXXX Tether default as recommended ( hash : XXXX ), never came and they tell me from the technical department that they do not accept that type of USDT, it is all nonsense since the addresses and the type of currency are correct. 
Ticket Numbers : XXXX XXXX XXXX  - Problem Wish mi SEND from coinbase wallet to coinbase XXXX XXXX XXXX XXXX Problem Wish USDT SEND and received

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: HILLTOP HOLDINGS, INC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/XXXX, I was directed to XXXX XXXX  XXXX XXXX, XXXX of Prime Lending as the sole source lender of XXXX XXXX XXXX XXXX I was told that Prime Lending was the only Lender I could use building with XXXX XXXX XXXX whom I contracted on XX/XX/XXXX to build my house at XXXX XXXX XXXX XXXX, XXXX, VA XXXX. I entered an FHA refinance loan on XX/XX/XXXX to build my house under the assertion that my interest rate was to be 2.99 %. On XX/XX/XXXX when asked " when does the rate lock '' XXXX XXXX said in an email " Rates are not moving much so we wont lock until about 60 days from when the house will be completed. To lock now you would need a long term lock which costs money. '' XXXX did not reach out to me again until XX/XX/XXXX at which time rates had already increased drastically. He then advised me that we needed to lock the loan asap. I was understandably dismayed and disappointed that he had directed me not to lock previously, and that he had waited for rates to increase so much before contacting me. I consulted XXXX XXXX representative XXXX XXXX who promised me the project would be done within 90 days. Based on XXXX 's statement XXXX locked the rate for 90 days. At this time, with a much higher interest rate the payment was getting to be unaffordable, so we changed to from FHA to conventional loan, with a plan to pay off outstanding vehicle loan to qualify. XXXX XXXX did not do any work for a month, which caused them to not complete the project as scheduled, and the lock expired. Nobody from Prime Lending ever contacted me to advise me that it had expired, or presented me with any options other than at closing time. I asked XXXX at this time what I could do to get the loan to be affordable, and he said nothing he could do at all. At this time, my property was being held hostage and with no choice, I had to sign the closing documents or risk losing my property all together. Now thanks to Prime Lending and XXXX XXXX, I have a loan that I can not afford and also had to drain my entire savings to pay the closing costs. I tried to explain this to XXXX XXXX and people from XXXX XXXX, and nobody has offered any assistance or resolution, they just want my money. XXXX blames the rising interest rates, but as a loan XXXX, he failed me as his customer, and put me in a bad situation. I would have never built a house or financed with Prime Lending had I known how it would turn out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: ACIMA CREDIT, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In accordance to the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
ACIMA DIGITAL FKA SIMPLE XXXXXXXX 15 U.S.C 1681 Section 602 A. States I have a 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 response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: SYNCHRONY FINANCIAL
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a call that stated they had an important message for me. The number didn't show up, it only stated " spam risk '' because I have a filter on my phone. I pressed # 1 and it took me to a live individual that questioned me about a collection from GE Money Bank. 

They noted the following : -The account was opened in XXXX ; and a {$150.00} payment was made in XXXX that kept it current -The correctly stated my current address, last four of social and date of birth -They advised it was about to be sent to litigation I advised I did not know what this was and that I just bought a house last year so if I had any collections, this would have shown up. I noted that the one red flag I did have, was resolved prior to me purchasing my house in XXXX of XXXX. 

I questioned what was it for and she said she wasn't sure, it was either a line of credit or a car loan. 

I said I don't know what this is and if it was an account of mine I am sure it was paid because I have worked to clear my credit. 

She said well you sound sincere and since I can't explain it, I am going to remove it. I am concerned because she had all of my personal information correct except my full social and I am not sure if they can still commit identity theft.

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 2022-04-29
Company: FULTON FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I made a payment at the Fulton bank XXXX branch XX/XX/2022. My car was repossessed the next week. When I called to inquire why my car was repossessed, I spoke with XXXX XXXX, I was told that I did not make a payment that day. I retrieved my receipt from the transaction and went back to the branch. The teller acknowledged that yes I made a payment and she was not sure why it did not post to my account. I later spoke with XXXX XXXX the next day. I was told that my payment was found and it was mistakenly posted to someone elses account. XXXX also informed me that despite this, the car would not be returned unless I paid the full balances owed on the vehicle, over {$48000.00}. 
I asked to speak to a supervisor. I was later called by XXXX XXXX, who said his position in the company was Vice President. Speaking with him, I was told that yes, my payment was mismanaged, but he reiterated that despite the mistake by the branch it was his decision to repossess the car and it is his decision not to return the car unless it is fully paid off. I requested that my account be reviewed for further mishandled payments by employees which I felt may have led to the repossession. I was told that it would not matter because the decision was made and he was not changing his mind. I decided to file this complaint as I have gotten nowhere with Fulton Bank, I also have filed a complaint with the company. I was informed that my car would be sold on XX/XX/2022 unless I pay the balance. I read a statement on the CFPB website that stated that this practice of repossessing cars after mismanagement of a payment was illegal and felt as though I should report these actions to the CFPB.

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 2021-12-06
Company: Self Financial Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio recovery associates are reporting inaccurate information on an alleged debt I do not owe to them. For the past 6 years they continue to buy and/or sell alleged debt without a written signed contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance to the fair credit reporting act XXXX Account Number : XXXX XXXX XXXX XXXX has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late and for and 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 2017-09-26
Company: Seterus, Inc.
State: AZ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was notified on or around XXXX XXXX, XXXX, by a letter from Seterus, Inc., who at the time was the servicer of my mortgage loan, that this loan has been sold to and obtained by XXXX XXXX XXXX XXXXXXXX XXXX located in XXXX XXXX XXXX , Utah . I was told by Seterus , Inc., I would be contacted by the new servicer directly with information regarding the handling of my loan and were payments were to be sent. Seterus provided me with contact information for this new servicer and reached out to them directly via telephone to get a statement and additional information on how my payments would be handled. 

On or around XXXX/XXXX/XXXX I received the requested mortgage statement which I am in the process of sending in the required payment. This Company says they are a servicing company for my mortgage, however, the several calls and phone messages that have been left at my home number the messages indicate this is a debt collector. I am taking issue with this especially since my loan is current according to the conditions of this transition period. Are they a loan servicer or a debt collector, I resent the calls which have been frequent especially since this is a newly purchased and transferred loan.

Company response to consumer: Closed with explanation