BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-21
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX responded to XXXX : " XXXX XXXX XXXX XXXX is in receipt of the consumer 's complaint. Due to the nature of the debt, the correspondence will be placed in the mail to the consumer once received from our client. Please be advised the details will arrive in a white plain envelope that may appear as junk mail. '' The attached was received XX/XX/XXXX in part stating : " {$2900.00} + {$3300.00} + {$210.00} patient payments. '' To perpetuate its fraud XXXX XXXX XXXX refused to include in its attached XX/XX/XXXX communication respectfully requested ALL billings to XXXX XXXX, all insurance billings, all medical records of all alleged service ( s ), all insurance denials and the name and address of collectors used to date. 

XXXX XXXX XXXX was XX/XX/XXXX authorized to release all medical provider treatment and related information ( all insurance billings, all medical records of all alleged service ( s ), all insurance denials ) and like XXXX XXXX XXXX XXXX refuses to honor this requested release,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I contracted with XXXX XXXX Movers for services that were never performed.. Regardless of the performance, the contract drafted by vantage .... '' ..authorizethe above named business to charge credit card indicated in thisauthorization form according to the terms outlined above. ". The contractCLEARLY STATES .... '' ... XXXX XXXX authorize XXXX Auto Movers.. '' This contract is clear and even was also provided to me by the recklessaction of my bank BMO Harris which this dispute is with. I under nocircumstances do I nor did I authorized to release via my account with BMOHarris any amount of funds to XXXX. BMO Harris sent mean arbitruary unsigned letter with a copy of contract that no where indicatesany relationship to XXXX XXXX XXXX. Regardless of BMO Harris banknow claiming, without providing any proof, that they [ BMO Harris ] now say, without in any writing are authorized outside scope of contract deliver funds to XXXX XXXX XXXX which is clearly not the " above named '' nor woulddo business with them. BMO Harris is not authorized to release any funds ofmine to XXXX XXXX XXXX ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Thaxton Investment Corporation
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have a loan with HEIGHTS FIN with account number XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XX/XX/2020. The XXXX and Credit Bureau are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
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:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection XXXX AT XXXX XXXX XXXX Account Number : XXXX. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged collection. I have even requested documents to be provided to prove that the payments were indeed in the collection. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws? 
Remove this collection at once! I have given the Bureaus ample time to correct this. Over 90 days is too long! Obviously, if it hasn't been proven it is FALSE!

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 2016-07-25
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Since XXXX 2016 when I was shocked to receive a collection notice for a telephone account fraudulently opened in my name, I have been trying to get XXXX to resolve the problem. I have submitted the requisite identification information and police report multiple times over these months, but have been unable to get any action from XXXX to remove the adverse information from my credit reports for this case of identity theft. The credit reporting agencies will not remove this adverse information ( the ONLY adverse information appearing ) until XXXX acknowledges the fact that the account is not mine.

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 2022-02-21
Company: QC HOLDINGS INC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
On XX/XX/2021 I applied for a person family household credit with lend nation. I was denied unlawfully. I received an adverse action from lend nation via email which 15 US CODE 1691 ( c ) tell you exactly what a adverse action is and how it is against federal law to proclaim an adverse action against a consumer.

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 2020-01-13
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Back on XX/XX/XXXX both me and my wife had health issues that sent both to the hospital without health insurance the situation squeezed our saving and a CD with XXXX tha we had, we continuing strangling and by XX/XX/XXXX, we couldn't make no more payment on our mortgage, now we are trying to go back on track since I get a job and my wife is working in our company which it's doing better since XX/XX/XXXX, we don't want to lose our home, for that reason we would like to have the opportunity to re-start the payment and see if we could get any options with the mortgage company for it.

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 2022-06-17
Company: World Acceptance Corporation
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
They are scammers who took my information without informing me and signed up for their service, I contacted them many time but they are not picking the calls and now the number is not reachable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: CITIBANK, N.A.
State: NY
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:
We have a recurring charge from another merchant ( XXXX ) on this credit card ( best buy card ). However, before the due date came, we changed the credit card payment to my husband s account & it was successfully done last week of XXXX 2022. I then informed Best buy about this, asking them to cancel the recurring charges, prior to its due date on XXXX XXXX filed a dispute but it was denied, and was billed again. XXXX already had collected the amount from my husband 's account on XXXX XXXX called XXXX multiple times , the recent one is today, XXXX, I was advised that the best buy card is not in their system anymore, also called Best Buy concerning the balance notice I received for XXXX. Explained Even to the manager but she refused to accept my explanation & saying an apology which does not make sense at all! She asked me to send the documentation that we had actually paid for XXXX from another credit card. I find this absurd & ridiculous! Why on earth they refuse to cancel that charges even if the XXXX said they don't have that best buy card in their system anymore? 
This is a time where technology can be useful yet this Manager who spoke to me don not accept a call for concerns and requires me to fax the payment from another creidit card company? Please help. I am frustrated and disgusted.

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 2017-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2017 I applied for a unsecured credit card with capital one. Yesterday I received a decision in my email. The reason for their decision was, Based on my application information, there is a currently pending or recently processed application with capital one. I called capital one today and spoke to an agent. I informed them that I have an secured card with them already, and I wanted to obtain an unsecured card since my credit report has changed. The agent informed me that they just passed a new rule that says you can not apply for a new account within 6 months of previously applying, or opening an account with them. I told the agent that was not on their website when I got my secured card account. They refused to further assist me. I went back to the capital one website and printed their rate and fee disclosure. Under the additional disclosures and terms and conditions section. It clearly states that I may not be eligible for the offer if I have applied for a capital one card 2 or more times in the last 30 days. Which I have not done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX,2022 by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXXXXXX {$1400.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2022-06-17
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act i believe XXXX XXXX XXXX XXXX and account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a 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 a open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: Acceptance Rentals, Inc.
State: GA
Product: Credit card
Issue: Billing disputes

Complaint:
Acceptance Rentals this company operates and the financing company for XXXX and came to an agreement to pay the account in full. Now a XXXX dollar dinette is now XXXX dollars pass due! I have written to XXXX as was informed the account was paid in full back in XX/XX/XXXX. Now my bureau report XXXX is showing this company with a large balance I do not owe. I wrote the Attorney General Office in XXXX to be advise to contact your agency. I will include the email sent to me which spoke of a closing agreement with a final payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
On XX/XX/2021, I opened an account with coinbase.com, and purchased XXXX  to use for foreign exchange. I sold my bitcoins and attempted to withdraw my money in USD on XX/XX/2021 ; as a result, my withdrawal was refused, and my account was frozen. I called their customer service department ; however, no live person was available to assist me. I attempted to troubleshoot on their website ; however, I received no help there either. Meanwhile, my funds, which were purchased at {$20000.00} and increased to {$24000.00} had decreased to {$19000.00} as of XX/XX/2021. On XX/XX/2021, I also realized that approximately {$65000.00} was fraudulently withdrawn from my XXXX XXXX XXXX account ; the fraudulent activities began approximately XX/XX/2021. Money has been taken out of my savings account and dispersed to numerous financial institutions, in which I have no accounts with, nor did I authorize any of the withdrawals with coinbase.com or any other company. My account number at XXXX was changed ; I took my previous debit and ACH numbers off of coinbase.com in an attempt to discern whether or not the funds were being withdrawn via coinbase.com or a subsidiary. I attempted to add my new information to my coinbase.com account in an attempt to withdraw the remaining {$19000.00}, and my new account information was rejected ; my coinbase.com account has been frozen, and I have not been able to withdraw my funds. I have sent them an email, and as of this date, there has been no response. I understand the lack of manpower due to Covid - 19 ; however, this company 's business practices appear to be downright illegal. I am a laid-off XXXX due to Covid - 19, and I can not afford to lose any more money than I already have. XXXX has Loss Prevention working on the disappearance of the {$65000.00} ; however, I need your assistance in recovering the aforementioned money from coinbase.com, and if you're able to assist in the investigation with XXXX XXXX XXXX, that would be greatly appreciated as well. Why is this company still allowed to operate and fraudulently steal from, and mishandle their clients ' accounts. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: AMERICAN HONDA FINANCE CORP
State: NJ
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:
I am writing to the dispute the negative information/activity reported to the Credit Bureaus dated XX/XX/XXXX. This action resulted from mismanagement of my financial paperwork by Honda Financial Services. The situation all started when I called Honda in XXXX, XXXX to update the bank account information where the installment payment is being taken out each month. I requested to remove XXXX XXXX  and replace it with my new bank account at XXXX XXXX. I was told that I can schedule onetime payment over the phone till Honda send me documents to fill out and return back in order to update the bank information to XXXX for future installment payments. During this call, I schedule a payment of {$370.00} which was taken out of my new account at XXXX on XX/XX/XXXX. In the meantime, I received the document from Honda, which I had completed, signed, and returned back on XX/XX/XXXX. On XX/XX/XXXX, the bank holding our car loan called me because the amount for the month of XXXX was not paid in addition to XXXX. When I told the bank about the issue, they were able to locate my new account information at XXXX XXXX  and processed the payments for these two months over the phone. I then found alerts from the Credit Bureaus indicating a negative alert posted by Honda on my credit and my husbands who is also a signer on the car loan. I called Honda on XXXX XX/XX/XXXX to question the action and I found out that the document which I signed and received by Honda on XX/XX/XXXX was not uploaded into my file till XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am requesting that my credit report dispute be reviewed. This is the 3rd attempt to get items corrected on my credit report. I have provided exact items on my credit report that are reported inaccurate and per the fair credit reporting act - inaccurate information is not supposed to be reported on a credit report. Please do not delete my credit report as this is a request to correct the certain errors on my credit report that I am pointing out to you. 
I take my credit report status very seriously as credit is a huge factor that determines my life and I want only accurate information reporting and reflecting on my credit report. Please review and correct or review and delete the inaccurate information asap.

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 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXXXXXX XXXX XXXX should be showing Closed - Never Late. 
XXXX was the servicer of the loan in XXXX when XXXX XXXX XXXX claims that it was late. As you can see from the attached letter. XXXX shows that there wasn't a late payment. Also attached please find a screen shot of my credit report from XXXX showing accurate information how yours should be showing. We were always in forbearance and this account was never late.

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 2016-11-15
Company: Statebridge Company
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold from XXXX XXXX to Statebridge Company earlier this year. This is by far the most unprofessional company I have ever had to deal with. I was charged a late fee of {$45.00} for my XX/XX/XXXX payment as I had paid it electronically from my XXXX account to them directly on XX/XX/XXXX. Because Statebridge does not allow for electronic payments from a financial institution, the very unprofessional customer service person I spoke with informed me they did not receive my payment from XXXX until XX/XX/XXXX. He said they do not refund late fees because customers do not mail them in on time. He also stated that if I did n't like it I was free to refinance my loan with someone else. 
What frustrates me even MORE is that for me to make a payment with extra principal, I have to make that payment via SNAILMAIL or pay it online through Statebridge, but they charge me {$5.00} just to make the payment! If I want to make a payment to the customer service dept it costs {$15.00}! Oh and it wo n't show up on the statement that additional principal is being applied. You have to simply assume they did it. There are no documents or records to look at online either. 
What XXXX kind of archaic world is Statebridge doing business in?? This is XX/XX/XXXX, almost XX/XX/XXXX and they do not allow their account holders to pay directly online?? Snailmail??? Who XXXX uses snailmail anymore? Why in God 's name did XXXX sell my loan to such a circus of a company? Even their website looks like it was set up by some high school students for a project. Completely unprofessional and hodge podge. The employee also informed me that it would take 3-5 days for me to even SPEAK with a Supervisor or Manager! What the kind of outfit does n't even bother to talk with their clients???

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: EQUIFAX, 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:
Companies are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXT XXXX XXXX, 2014 They have never complied with providing me with proper ink signatures between me and their companies upon any agreement.

Company response to consumer: Closed with explanation