BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-04
Company: EQUIFAX, INC.
State: MI
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 reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : US DEPT ED XXXX Balance : {$2100.00} XX/XX/XXXX US DEPT ED XXXX Balance : {$5600.00} XX/XX/XXXX US DEPT ED XXXX Balance : {$5600.00} XX/XX/XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX Balance : {$3200.00} XXXX XXXX  XXXX Balance : {$6600.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$47000.00} XXXX XXXX XXXX XXXX Balance : {$7400.00} US DEPT ED XXXX XXXX : {$5600.00} XX/XX/XXXX US DEPT ED XXXX Balance : {$2200.00} XX/XX/XXXX XXXX XXXX Balance : {$5900.00} US DEPT ED XXXX Balance : {$4600.00} US DEPT ED XXXX Balance : {$2400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: CREDIT ACCEPTANCE CORPORATION
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I bought a 2017 XXXX XXXX  in XXXX of XXXX. It was in a car wreck on XX/XX/XXXX and the car ended up being told out. My insurance payday loan someone money for the damages and for it totaled. I had gap insurance to cover the rest of the payment that would have been left over that my insurance did not pay. They are still calling me for money. They are on three all three credit bureaus and say I owe XXXX and something on dollars when I know for sure that this was taken care of and paid off. I had gap insurance for the remaining balance that my insurance company did not pay. They continue to call me and harass me on a daily basis. I would like this removed as soon as possible. As for I no longer owe this debt.Please fix immediately. I would really appreciate it. 
Thanks XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: JPMORGAN CHASE & CO.
State: MN
Product: Credit 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:
Can XXXXXXXX XXXX  XXXX Legally Launch Nuclear Missiles at Planets and Put The Corona Virus in the XXXX XXXX Because XXXX XXXX XXXX XXXX XXXX XXXXs XXXX all my money and XXXX Bank lawyers say its imposable to comprehend Chase Bank 5 times this Week Lock XXXX out of online banking so all credit XXXX XXXX XXXX Chase Bank Block 100 % all ACH Transfers to XXXX XXXXXXXX XXXX XXXX XXXX. 

Chase Bank XXXX XXXX ( XXXX ) to XXXX XXXX XXXX XXXX so XXXX said to remove the XXXX  from name and would work ////// XXXX Chase bank worked while XXXX XXXX Chase Bank transfer XXXX XXXX XXXX XXXX could not Verify XXXX and Maliciously Chase Lock XXXX Accounts and say walk into a Chase Bank with XXXX forms ID XXXX XXXX Would have to Take and Airplane or Buss to Chase Bank //////////// Chase Fraud departments give zero help with transferring money out of the Bank /////////////////////////////////////// Calling Chase Bank executive office said XXXX XXXX XXXX XXXX XXXX and XXXX XXXX where handling my Compliant so i called them 5 Days with zero response nobody told me there where Handling the Consumer Finance Compliant so I should have 100 % never called them //////// Purchase {$1800.00} as XXXX XXXX and XXXX XXXX wanted me to Call the bank to Approve Transaction was approved then my next XXXX online Credit Card Purchase all declined everyone suspect me of Fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Bridgecrest Finance company keeps opening and closing my charged off account since 2021 so that my account will keep it active and updated on my credit report abusing the system to keep opening and closing the account. Everything they closed it each month it drops my score and restarts the statute of limitations on the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: CCS Financial Services, Inc.
State: WA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Complaint to : Credit Collection Services. XXXX XXXX XXXX, XXXX MA XXXX. Call Center XXXX. File number XXXX They are attempting to collect a debt that is NOT VALID. This debt is also PAST THE STATUTE OF LIMITATIONS FOR COLLECTION IN CALIFORNIA. 

I have told CCS multiple times they are not legally allowed to collect this debt, as well as requiring verification. They will not verify the debt. 

They have told me in the past the debt was removed, so it is alarming and concerning they are still pursuing it. 

Again, the debt is 1. not valid and 2. even if it was, they are harassing and threatening me beyond the XXXX. 

I hope they remove the debt as is required before I file a lawsuit against them, which I have no problem doing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I was contacted on XXXX XXXX, by coinbase that my ID had been verified. Followed by am email stating I violated rules. Between the 2 services, coinbase and there pro site I had crypto currency. They kicked me off the platform to a page to withdraw funds, but the holdings from coinbase pro were missing. Sent string of emails trying to recover, which in turn launched there own investigation. All the coins appeared in the section where you 2 step verify and send out the coins. When I try. It says coinbase support has it locked. There not answering any inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The 3 credit reporting agencies has an increased balance ( over {$50000.00} ) on my credit report. My mortgage company has the correct balance. Its almost impossible to speak with anyone at these credit reporting agencies. They have erroneous information on my account. I would like them to remove the extra amount. They didnt get the information from the mortgage company. The credit scores for XXXX  is XXXX points lower than the other 2. This is not fair to consumers. I need help in removing the incorrect {$5000.00} from my credit report. 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 2022-03-22
Company: Advantage Credit, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hard Inquiry on report for a mortgage company. I did not request or ask for my credit to be ran nor was I looking to get a mortgage loan. 

Company : ADVANTAGEXXXXADVANTAGE CR Inquiry date : XXXX Type : Mortgage Companies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: Upgrade, Inc.
State: GA
Product: Credit reporting 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 XXXX XXXX  -Acct # XXXX XXXX and XX/XX/XXXX,, XXXX XX/XX/XXXX, XXXX XXXXXXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dept of Education ( This was deferred and I was on XXXX XXXX XXXXXXXX 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on an account under an open-end consumer plan as late for any purpose. 


Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I LOOKED UPON MY CREDIT REPORT AND DISCOVERED THESE ACCOUNTS THAT NEED TO BE DELETED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-18
Company: EQUIFAX, 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 information incorrect

Complaint:
On XX/XX/XXXX, I purchased a vehicle from XXXX. XXXX collected {$1000.00} from me for a " down payment '', but never gave a disclosure of my finance charge which is the sum of all charges 15 U.S. Code 1605. I was also charged for car insurance which is also included in the finance charge. XXXX used false, deceptive, and misleading billing statements to collect debt from me which violates U.S. Code 1692e, 18 U.S. Code chapter 63, and 18 U.S. Code 1951. Violations of these codes can lead to imprisonment no more than 20 years. 15 U.S. Code 1635 grants me the right to rescind any consumer credit transaction. " Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, down payment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: ALLY FINANCIAL INC.
State: OH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called XXXX on XX/XX/XXXX regarding a late payment in XX/XX/XXXX. I was requesting it be removed since I had COVID and stuck on quarantine. They told me that XXXX will not do any goodwill adjustments. I don't really consider this a goodwill adjustment since I had no opportunity to make the payment. I made the payment as soon as I could and my account as been current ever since.

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 2023-02-11
Company: Experian Information Solutions 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 status incorrect

Complaint:
In XX/XX/2022 I made a payment on my XXXX secured credit card with a limit of {$300.00}. A couple days later I received a notification and email that payment posted and it reflected in my bank account. A week or two later I got another notification that my account was over the limit. Knowing I hadnt used it I checked to find out why and the payment wasnt reflecting and my balance was actually $ XXXX more than the original amount prior to the payment. I tried calling which i normally dont have an issue with but unable to reach anyone. This over the limit amount and late payment immediately reflected on my credit report. After trying to contact the company and resolve this with no luck I disputed it through Experian this morning. Within an hour of disputing I received a notification from Experian about the change of status of the XXXX account. Feeling relieved that the company resolved their mistake I checked the status to find there was an additional {$100.00} added to the balance!!! But yet my payment history still shows current. These inconsistencies are proof of their unreliability and false reporting. Additionally youll find the attached screenshots of the unavailability of more current than XX/XX/2022 info in my account available

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 2019-06-24
Company: BARCLAYS BANK DELAWARE
State: NY
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 have reported 5 times that the accounts from Barclays Bank Delaware, XXXX XXXX/XXXX   AND XXXX XXXX XXXX and XXXX XXXX was not opened by me. I have tried to dispute these matters multiple time. I am XXXX years old and I am trying to build my credit. The only thing on my credit that should have been authorized by me is my student loans and my XXXX   XXXX XXXX checking account. Everything else is False and my parents tried to open in my name.

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 2023-11-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
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:
the company that charge the debt off was supposed to send 1099c in the mail for purpose of tax return

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
Difficulty during loan modification and all the extra fees. Also the fees charge to checking account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

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 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 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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and no third party is involved in the process. I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

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 2023-09-21
Company: OPTUM BANK, INC.
State: OH
Product: Credit 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 attempted my card at a drugstore in my home town for a medical ailment that Optum bank should be well aware that I have and since I have used other times for supplies for the same ailment. 

I have over XXXX of funds on the card they are my funds that I deposited.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: Unlimited Progress Corp
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I mailed in asking for a letter of verification and multiple times my mail was refused and returned.

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 2023-11-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-21
Company: ALLY FINANCIAL 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: Account status incorrect

Complaint:
Reached out to credit report company for them to update account status as Paid and Closed. They confirmed it is still open, which is incorrect as auto loan account has been paid off and Closed. XXXX recommended to submit complaint to CFPB to get resolved.

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