BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-26
Company: EQUIFAX, INC.
State: NC
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:
XXXX pulled my Equifax report on XX/XX/XXXX. XXXX XXXX issued a letter on XX/XX/XXXX saying they would remove the inquiry. Equifax was provided a copy of the letter after 30 days went by and the inquiry not being removed. Equifax stated XXXX did not file the removal correctly and they can't remove with a copy of the paper letter so I am filing a complaint against both companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: EQUIFAX, INC.
State: NC
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 Recording Act, XXXX XXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: PHH Mortgage Services Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I made a principal reduction payment in the amount of {$200000.00} to my mortgage being serviced by PHH. An initial letter received from PHH indicated that my new monthly payment would adjust to the lower amount with the XX/XX/XXXX payment. However, on a bout XX/XX/XXXX a representative from PHH stated orally by telephone that my monthly payment would be adjusted to the lower amount for XX/XX/XXXX if my principal reduction payment was received before XX/XX/XXXX. It is outrageous that PHH is allowed to hold my funds for 75 days before affecting my monthly payments and overcharging related interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: EQUIFAX, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
In XXXX, I purchased a XXXX XXXX XXXX minivan and financed the purchase through XXXX XXXX XXXX. Since XXXX, I have made every monthly payment on time. In XXXX XXXX, my bank stopped payment due to an unknown issue. XXXX XXXX XXXX did not call me or send me mail until XXXX XXXX, XXXX. I received that document on XXXX XXXX and immediately called XXXX to resolve the situation. I spoke with XXXX, the manager in the XXXX call center. We called my bank, XXXX XXXX, to attempt to resolve the situation. XXXX agreed to pay the late fees to XXXX to atone for the error. I immediately repaid the past due amount. However, XXXX refused to remove the past due report on my credit report for XXXX. I have researched this and know that it is in XXXX and XXXX ' discretion to remove these from a consumer 's credit report, yet in this case XXXX was completely unwilling to assist. I am about to apply for credit to purchase a home, and XXXX ' report has reduced my credit score to where my interest rate will be higher than it would have been without XXXX ' report. I have made every XXXX payment on time for over three years now, and the one time that there was an issue, it was not my fault. Yet XXXX is publishing defamatory information about me that is causing financial harm. I have called XXXX a second time to ask for help, but she has not answered my calls or returned my calls. I need help in fixing this abuse by XXXX XXXX XXXX before it costs me thousands more in interest expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Over the last 3 years I have mailed in numerous dispute letters requesting the removal of the XXXX XXXX credit card account because this account was paid in full in XXXX. However, it has continuously been reported as a CO monthly well into XX/XX/XXXX by both XXXX and XXXX. 
I have even written the company asking for the removal for this inaccurate reporting. 
This is very frustrating because we are trying to buy a home and this negative account has a huge impact on my credit profile.

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 2021-10-27
Company: General Motors Financial Company, 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:
I wrote a few letters to the creditor and the bureaus regarding some lates reported on my accounts and they have not responded or fixed the error. I don't feel like this was my fault, I submitted proof that they funds were available when the payments were due but they were trying to take the funds from an account that was no longer active. All I want is that they fix the error and remove the lates reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold to Carrington Mortgage Services by XXXX XXXX XXXX. I checked on that companys reputation and was alarmed to find that they are known more for being a debt collector per se. i am behind in my mortgage payments due to heat pump repairs which have happened for three years in a row. I have tried to catch up but can not afford to pay the additional amount they quote to catch up. I have been paying at mid month each month until this month. At last I am able to make a payment on the XXXX ( the due date ) and will make another payment at mid month when my Social Security check comes in. However, Carrington has set up their online payment system to prevent me from paying on the XXXX if I am behind. Per an online chat with one of their service reps, I was told that I will not be allowed to make a payment until the XXXX. I find their practice detrimental to allowing one to catch up and places them in a better position to start foreclosure. There is no logical or reasonable reason for preventing paying online only on a specific date. The odds seemed stacked in their favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Your note ( for Transunion ) in your reply case XXXX " The data furnisher verified your name, social security number, and address in regards to the ownership of account XXXX XXXX XXXX. # XXXX. '' ( The other two credit agencies need to review their verification of information which is incorrect as noted below. ) I have never provided any data furnisher my name, social security number, and address in regard to this entry. If the data provider obtained my social security and provided it to you ( or verified it ) that information was obtained illegally, this is very concerning and would constitute fraud. Thank you for informing me of this I will file a separate complaint with the CFBC against XXXX XXXX XXXX. This is very alarming. 

However, your investigation did not provide the results as requested per section 609.  There was never any detailed information provided. If a credit company is looking to report information it should be accurate. I have never provided any personal details regarding SS #, etc to XXXX XXXX  which are a collection agency. Any personally identifiable information if provided would be a breach of confidentiality. 
Per information provided by XXXX, I am disputing the accuracy of your verification and therefor requesting that the credit consumer agency remove the collection debt of {$1400.00} from my credit report immediately. This amount was not authorized by me. I have attached documentation from the company which is not signed by me. The authorized signature is listed as someone else.

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 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-22
Company: EQUIFAX, 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 been sending letters to all Equifax, XXXX, and XXXX to validate a XXXX XXXX XXXX debt they claim is mine. I have went through an Administrative Process with XXXX XXXX XXXX to see if they can bring forth original, signed documentation, but they have not done so. I am nervous that these credit agencies are just using the XXXX system to validate the debt, which I never gave consent to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
In XXXX, I purchased a XXXX XXXX XXXX minivan and financed the purchase through XXXX XXXX XXXX. Since XXXX, I have made every monthly payment on time. In XXXX XXXX, my bank stopped payment due to an unknown issue. XXXX XXXX XXXX did not call me or send me mail until XXXX XXXX, XXXX. I received that document on XXXX XXXX and immediately called XXXX to resolve the situation. I spoke with XXXX, the manager in the XXXX call center. We called my bank, XXXX XXXX, to attempt to resolve the situation. XXXX agreed to pay the late fees to XXXX to atone for the error. I immediately repaid the past due amount. However, XXXX refused to remove the past due report on my credit report for XXXX. I have researched this and know that it is in XXXX and XXXX ' discretion to remove these from a consumer 's credit report, yet in this case XXXX was completely unwilling to assist. I am about to apply for credit to purchase a home, and XXXX ' report has reduced my credit score to where my interest rate will be higher than it would have been without XXXX ' report. I have made every XXXX payment on time for over three years now, and the one time that there was an issue, it was not my fault. Yet XXXX is publishing defamatory information about me that is causing financial harm. I have called XXXX a second time to ask for help, but she has not answered my calls or returned my calls. I need help in fixing this abuse by XXXX XXXX XXXX before it costs me thousands more in interest expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: EQUIFAX, INC.
State: TN
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 accounts below have violated my rights. 

XXXX XXXX Bank XXXX XXXX XXXX XXXX ******* XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: Summit Horizon Financial Services
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
XX/XX/XXXX - initial contact where I reluctantly gave debit card information for the withdrawal of {$100.00} based on series of information given to and a prior engagement. 
XX/XX/XXXX - per bank statement, automatic withdrawal ( unauthorized ) posted of {$150.00}. The phone number is listed as XXXX is on the statement. 
XX/XX/XXXX - email sent regarding XXXX, cancellation, and refund. 
XX/XX/XXXX - called to cancel and get a refund. Was informed that it would take five to seven ( 5-7 ) business days. Will check on XX/XX/XXXX. **per email, call XXXX XXXX XXXX. I did not see this email until later. 
XXXX XXXX - informed there was no refund issued and nothing in the notes regarding one. Assured me that she would forward the account to the Refund Dept, and they will get back to me. I was not given a phone number or reference number for a follow-up. 
XX/XX/XXXX - I called re : no refund. XXXX informed me that had I canceled within 30 days, I would have been issued an automatic refund. I was shot down when I protested that I should still receive a manual refund versus an automatic one. No luck. I then informed XXXX that I would go with my original process with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: 21ST MORTGAGE CORP.
State: CA
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:
This account is Fraud, I never give anyone permission to pull my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: Diversified Consultants, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I contacted Diversified Consultants at XXXX about a debt collection that is on my credit. I spoke with the first representative that treated me like I was XXXX. He said that I was so XXXX for not reading my contract. He yelled at me and would not allow me to speak. I asked to be transferred and he laughed and me and kept yelling " hold on ''. He then transferred me to another representative that was just as rude. He would not allow me to speak. He would not refer me to who to contact at XXXX about this amount that they have sent to Diversified Consultants.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: EQUIFAX, INC.
State: OH
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:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
As has happened many times before when requesting all three credit reports through XXXX XXXX XXXX, I might get one or two reports before the process goes off the rails. Today a report was received only from the first one I picked, XXXX. When it came to the next report, the URL XXXX XXXX XXXX showed ERR_CACHE_MISS. Going back to the first website failed to return me to where I could pick another reporting agency, it sent me back to where I had to put in all my information again. After doing that : Equifax results : We're sorry, for your protection we are unable to deliver an Equifax Free Annual Credit Report over the Internet. 

XXXX results : A condition exists that prevents XXXX from being able to accept your request at this time. 

It's pretty clear that the latter two companies already registered my request for the reports even though they failed to actually provide those results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: Coinbase, Inc.
State: TX
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 need assistance with XXXX XXXX. I lost my phone and need it on my new phone to access my account or to send more than XXXX bitcoin. I can not even change security settings to help myself because of this. Their admin could help me in 60 seconds. I have been waiting a week. Their online XXXX @ coinbasesupport serves as a support contact and they literally skip over me and help new requests. I have a significant portion of my life savings on this platform. I 'm floored as to the lack of support. My initial support ticket was submitted 1 week ago and I have not heard a peep from support. I have access to see from one device but I can not change settings due to losing my phone. This access expires every 30 days which I anticipate will be shortly. I need access to my funds! I 'm verified! <P/>Also note the platform coinbase had a crash with the very coin I have a lot of investment in and it lost 99 % of the value periodically. I could not do a thing due to the lack of access from every device around me that night. I need a human to answer my ticket and fix my XXXX authentication so I can access my money immediately. I can provide any documentation necessary. Case # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I opened a secure credit card via Capital One to gain secured line of credit during the time as being an account holder : ~Charged Me XXXX but I pay XXXX per month to use the card. 
You can not go over the secured amount of XXXX ~They are not using my funds to pay transactions ~They refuse to disclose all secured credit account then charge fees that are not disclosed in any documentation nor website ~They lie to the credit bureau and attempt to exhort exorbitant fees. 
~They put you in danger trying to find an ATM by locking your card unnecessarily in an emergency situation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company makes repeated calls to my cellphone and my work phone daily. They're very often less than an hour apart and consistently break the 3 times a day rule. While, yes, I realize I am behind, this is straight harassment and needs to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Old information reappears or never goes away

Complaint:
My Student Loans totaling {$71000.00} were closed when I started receiving Social Security XXXX. XXXX reopened CLOSED STUDENT LOANS. I am XXXX XXXX. I have tried to resolve this issue with XXXX. 
I am XXXX years and I have been XXXX XXXX since XXXX. 

My student loans were closed In two parts XX/XX/XXXX, XXXX XXXX XXXX XXXX have harassed me relentlessly calling, send letters and emailing me. 


Attached are copies of closed 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 2017-10-18
Company: SIMM Associates, Inc.
State: VA
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have several collection accounts or student loan debt on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX Delaware XXXX. RE : XXXX -On behalf of XXXX XXXX. Please be advised that I 'm disputing these collections due to the fact that we have chosen to work directly with XXXX for lowering payments. I 'm disputing these collections due to the fact does not currently have a a valid license to collect debt in the State of Virginia according to the Virginia department of XXXX XXXX for verification. I am requesting that you delete these accounts from my credit file or provide me physical proof that they are licensed to collect debt in Virginia.

Company response to consumer: Closed with explanation