BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-16
Company: COOLEY ENTERPRISES INC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX XXXX entered into a consumer credit transaction with Clay Cooley XXXX XXXX on XX/XX/2020. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but Clay Cooley XXXX XXXX took cash. The finance charge is suppose to inclose insurance, Clay Cooley XXXX XXXX made me purchase separately. 15 usc 1635 ( a ) states ( a ) Disclosure of obligors right to rescind Except as otherwise provided in this section, in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained or acquired in any property which is used as the principal dwelling of the person to whom credit is extended, the obligor shall have the right to rescind the transaction until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter, whichever is later, by notifying the creditor, in accordance with regulations of the Bureau, of his intention to do so. The creditor shall clearly and conspicuously disclose, in accordance with regulations of the Bureau, to any obligor in a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section. 
I was not disclosed my right to rescind.

Company response to consumer: Untimely response
Consumer complaint received 2020-05-07
Company: Experian Information Solutions Inc.
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:
These items are not my accounts or inquires

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 2021-09-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
A XXXX XXXX XXXX XXXX hard credit pull from XX/XX/19 should be removed from my credit report. It has been on my credit report for two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: Ditech Financial LLC
State: CT
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Deed-in-lieu executed on XX/XX/17. Ditech continues to send me correspondence on the account and attempts to collect the debt when I call to have the matter resolved. The problem has not been fixed after many calls on my part and promises from Ditech to resolve the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: United Collection Bureau, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
For the last several months, United Collection Bureau calls me 5 or 6 times or more every day attempting to collect {$340.00} - a bill incurred at XXXX XXXX XXXX in XXXX XXXX WA - a medical debt that was paid to the healthcare provider at the time of service. 

The healthcare provider has verified to me that they do not use this collection bureau and that my account balance was indeed paid and is at a zero balance. 

These are the calls just in the last two weeks : XXXX 4 calls XXXX 5 calls XXXX 5 calls XXXX 3 calls XXXX 2 calls XXXX 4 calls XXXX 5 calls XXXX 4 calls

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Our authorization was faxed XX/XX/XXXX. 

On XX/XX/XXXX I spoke to a rep who said they had received our authorization and there was no foreclosure date scheduled. 

On XX/XX/XXXX we also faxed and emailed the Purchase Agreement, HUD, Buyers LLC Docs and Buyers Proof of Funds. 

XX/XX/XXXX we called in to make sure they received the offer documentation. We were told SLS will not review the file for a short sale since it was received less than 45 days before the auction date..Suddenly there is a foreclosure date of XX/XX/XXXX? AND they are refusing to work on the short sale? 


I want SLS to work on the short sale as there was no foreclosure date when the offer was submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
A settlement check was mailed to my former address in XXXX by the company handling the Equifax Refund in XX/XX/XXXX. However, I have moved out of that house ( my sisters ) on XX/XX/XXXX and no one has been living there consistently since then. When my sister visited the place a couple weeks ago and found the letter with the Equifax settlement, she sent it to me. 
I opened the letter and saw that the check was no longer valid since it was written in XXXX. I called the number listed on the check on XX/XX/XXXX to request that a replacement check be sent to my new address. I was told that that is no longer possible since the were not authorized to reissue any checks as of XX/XX/XXXX ( less than 5 months after the checks were mailed!! ). 

I think that is unfair. I realize that its not a million dollar check but how many people like me had their settlement checks mailed to the wrong address and now " someone's '' bank account is a little fatter because of this " oversight ''?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I 've provided XXXX and Experian with requested info such as police report, identity theft affidavit, FTC identity theft report and more but XXXX and Experian has not deleted inaccurate accounts off my credit. XXXX/XXXX XXXX and XXXX XXXX XXXX is not mine. Neither has XXXX provided me with proof the accounts are valid within 30 days. XXXX was not provided proof so they deleted these accounts in 30 days ( since XXXX 2017 ) but XXXX has not complied after I have complied and provided proof those accounts are not mine. They have repeatedly violated my rights as a consumer and are in violation of crediting reporting laws

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 2020-05-01
Company: EQUIFAX, INC.
State: MO
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:
Equifax ; XXXX and XXXX  should not be reporting a collection/charge off in the amount of {$1100.00} on the XXXX XXXX partial account number XXXX. This account was sold to XXXX XXXX on XXXX and therefore should be reporting a {$0.00} balance. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item should be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was living at XXXX XXXX XXXX where my contract was voided out due to the apartment being infested with mold. I have a written notice from the apartment manager where I wouldnt be charged upon leaving. I now have {$230.00} on my credit. I sued the company for damaging my credit, loss of personal belongings, and medical costs for XXXX XXXX XXXX. A judge awarded me {$5100.00} however the apartment complex did not pay or remove the damage to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: JPMORGAN CHASE & CO.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
XX/XX/18 - {$150.00} - Nothing was done by Chase when using the XXXX App within their Bank App on my phone. I tried to do a transaction for concert tickets. The person accepted the payment and did not deliver with the tickets through XXXX, as decribed. I went to Chase to have them stop payment or sign up for XXXX because I was obviously scammed. Chase contacted the XXXX department and stated I lost out on the money because I initiated the payment. Right, had they looked at their records, this was the first time I have ever used the XXXX option with their Bank App. I was told to file a police report. I did file a police report, but the Chief stated that Chase should be protecting my money against fraud no matter if I initiated the transaction or not. Using XXXX within the Chase Mobile App ( something they're endorsing ) IS NOT SAFE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I 've provided Equifax and XXXX with requested info such as police report, identity theft affidavit, FTC identity theft report and more but Equifax and XXXX has not deleted inaccurate accounts off my credit. XXXX/XXXX XXXX and XXXX XXXX XXXX is not mine. Neither has Equifax provided me with proof the accounts are valid within 30 days. XXXX was not provided proof so they deleted these accounts in 30 days ( since XXXX 2017 ) but Equifax has not complied after I have complied and provided proof those accounts are not mine. They have repeatedly violated my rights as a consumer and are in violation of crediting reporting laws

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: Lendmark Financial Services
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I reached out to the company about paying off the balance in XXXX. My Balance at the time was XXXX dollars. I was told I could not pay the balance off because of legal fees. However, I have not been delinquent with this account since 2016. In XXXX my credit report notified me that XXXX increased my balance by XXXX. They added this amount with out me taking out another loan. I fear that this company is trying to keep me in debt to them. This was a 6 year loan and this is the sixth year. Please Help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I submitted several disputes concerning my credit.. The bureaus not complying or following with the law.. They have not gave me my results or investigation results.. I have sent out letters in the concern of my credit issues.. They have not as of yet resolved my matters at hand.. I will like help in getting the matters of credit concern deleted immediately do to the fact that they have not complied or show proof of my investigations..

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 2021-06-08
Company: KLS Financial Services, Inc
State: NC
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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2020-11-05
Company: TRUIST FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
Hello on XXXX i sent out letters to each credit bureau to remove accounts and addresses that was listed on my report and they have failed to reply in 30 days

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 2020-11-05
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:
This is the account which I entered into in XXXX XXXX XXXX ) and has been completely paid off with the Original Company ( Creditor ) XXXX aka Why Not Lease. This account disappeared from XXXX from XXXX to XXXX, however, it is now showing up again with the New Collection Agency who appears to have purchased this account. 

This is OLD ACCOUNT ( OVER 7 YEARS ) AND NOW BEEN SOLD TO A NEW COLLECTION COMPANY WHO IS REPORTING FALSELY JUST TO MAKE SOME MONEY ILLEGALLY

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 2018-08-07
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:
Six months after i earned an student loan inXX/XX/XXXX my identity was stolen due to an mistake by a Texas dmv worker, these loans from the dept of education are incomplete are in accurate. I was an XXXX XXXX who's XXXX  career & education was ruined once i moved to the state of Nevada in XX/XX/XXXX. I moved to XXXX in XX/XX/XXXX. Before XX/XX/XXXX my whole life was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: Bridgecrest Acceptance Corporation
State: IA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
XXXX XXXX I purchased a vehicle from XXXX a XXXX XXXX XXXX which turned out to be a lemon they didn't tell me that there was transmission issues and the company was in class action for that vehicle so at that time my credit score was very very very low I had no choice but to go to a buy here pay here they approved me I paid on my car for a year my credit score went up dramatically probably from XXXX all the way up to over 600 well due to the fact that the transmission was faulty in my XXXX XXXX I got the recalls fixed a day after I got back from the XXXX dealership the car accelerated and jolted resulting in a car accident which total my vehicle I paid XXXX a month for a year plus the {$1200.00} down payment the gap insurance and my insurance ended up paying 17,000 something something dollars plus my Years payments am a down payment I got nothing so they said they would put me in a new car no charge to pick out a new car for {$15000.00} no down payment but when they set everything up they gave me the same interest rate that they had gave me a year prior with my low score instead of running it with my new score a year later after I got better so I'm still paying high interest rate at 18 % interest from a score from the year prior when my credit was bad after I had already been paying them for a year and establish better credit but had no choice because I had no down payment because I got no money from the first vehicle accident so I'm wondering why am I paying high interest rate when my credit was better and they never ran my credit again they just use that your prior score and why did I pay so much for a car that wasn't worth it because after I purchased my XXXX XXXX XXXX  for XXXX I had it appraise for the value and it was only valued at {$4000.00} even the insurance company valued it at XXXX so why did I pay XXXX XXXX in total XXXX for a car that was not worth it and that was the lemon they had issues to the car dealership knew about

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 2021-04-30
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal has closed down my account and are holding my money and I can not withdraw my money from them. Ive been in contact with them via chat for several months and 3 times sent info of my identity and other documents they wanted. They have confirmed that they have recieved the documents but still wont open my account again. This was 1st of match. 
( Will include screenshot ) I keep getting automated chats that there is nothing they will do and that I have to wait. I called but they dont answer. I feel like I am beeing scammed of my balance of XXXXUSD. 

I have not been able to get help from them for months, therefore I am filling out this report. They should not treat customers like this. It is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On Wednesday XXXX XXXX, I wasn't able to access my Capital One online accounts ; this unique Capital One log-in should have opened all my on-line accounts including checking, savings, IRA and credit accounts with Capital One. Even though I used the correct user name and password to log in, I wasn't allow access to my accounts. The only option offered to me through their portal to verify my identity by an alternative method was set to be through an old phone number XXXX ; this was my phone number before XXXX. 
I had no choice but to make a phone call to Capital One the next day Thursday XXXX. I was put through a series of redundant verification steps over and over through several customer service representatives in different offices. This process was complicated by the fact that allegedly I hadn't updated the phone number linked to my Capital One accounts supposedly since XXXX As a matter of fact, I did update my phone number with Capital One in XXXX and my current phone number has remained the same since that time. I have found in my e-mail account the e-mail notifications I received in XXXX confirming I had updated the phone number linked to my Capital One account. 
Please find attached as PDF the e-mail notifications regarding the successful update of my phone number in XXXX ; I am also sending an e-mail from XXXX ( XXXX ) which shows the actual phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: Independent Recovery Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent several letters to this agency asking for discovery. No one at this agency called Independent Recovery has sent me any proif of debt. The debt is under XXXX XXXX. My name is XXXX XXXX. They advised my file was being handled by an attorney whos number was given to me by XXXX the collections dept supervisor. I called this attorney and he has not returned my call. This has been going on for almost a year. Please help me they have violated fcra requirements. 
XXXX number is XXXX XXXX. 
The attorney who refuses to discuss with me or return my calls name is XXXX XXXX his NUMBER is XXXX XXXX. Ive asked for proof several times and by law if they cant provide it they must remove it. Please help me. There are 5 accounts in question. 
XXXXXXXX XXXX, XXXX, XXXX ( 3 duplications of this account ), 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