BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had know ideal I had this account with XXXX XXXX  Whom the sellers are XXXX Bank. Until I seen it on my credit and a notice of payment. I then contacted XXXX Bank XXXX Bank informed me they had turned it over to Portfolio Recovery I need to get in contact with Portfolio Recovery Associates I didn't get a good response. I then hired an Attorney made a police report put a freeze on my credit a fraud alert. The Attorney worked very with them conference calls, Documents. A signed affidavit. and more. Portfolio Recovery sent me some documents showing what was purchase. I explained to Portfolio Recovery, We had rented out rooms to some boarders but I had never seen any of that merchandise. Whoever the person was made payments on the items, I had know ideal what was going on At the time all this was happening I was taking care of my ill husband who died at home. I had know time to do any of these thing. also XXXX ware coming and going, They even told me I need a break but I never left my husband side. Everything he need was being delivered by different drivers. I took very good care of him, until he pasted on. I then stopped allowing boarders to live in our home. I had know time I mean Know time to think about shopping a XXXX XXXX, Portfolio Recover Associates stop pursuing payment but will not release it off my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-28
Company: General Motors Financial Company, Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Team leader XXXX XXXX  at GMFinancial ( ph XXXX   fx XXXX  email XXXX ) Sent me a email on XX/XX/18 informing me that they see my auto loan is delinquent and informed me of the loan will be charged-off and vehicle repossessed, so I need to call to workout the loan. I emailed back and informed that I will call her the next day and what is the best time to call. So, today I get a text from my mother ( who is not a authorized party and her number has never been a contact number of mine ) stating that a person from XXXX XXXX   phone number called and told her that my loan is past due and they will be repossessing my vehicle. I then called XXXX on the phone who was very rude and asked her why did she release my information and she tried to pass me to another person. Her actions really upset me and this turned into a bad conversation. I asked her a few times why she emailed me to work it out and calling my family but won't talk to me about it. She replied " she is a manger and don't talk to customers '' Then she ask where to pick up the car and she isn't going to help any further then she hung up the phone. Then 30 mins later my fiance 's mother who lives in XXXX, Co. ( my mother lives in Georgia ) called and told my fiance that XXXX from GMfinanical called and told her that I am over 100 days past due and they are repossessing my car and to call XXXX  at XXXX. I called XXXX back and asked her why is she calling people and releasing my information after you just spoke with me and that is against the law. Then she said " please hold '' and never came back tot the line. I called back over 12 times and she didn't answer. Overall, they are calling 3rd parties that are not authorized and releasing my information without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: Experian Information Solutions Inc.
State: AR
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. XXXX {$2000.00} XXXX {$360.00} XXXX {$140.00} XXXX {$860.00}

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 2020-06-02
Company: LEXISNEXIS
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: Personal information incorrect

Complaint:
My correct name is _____XXXX XXXX XXXX My correct address is ___XXXX XXXX XXXX , XXXX, Ga XXXX____. 

There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file. 

Please promptly remove all other names and addresses. These other forms of my name are not correct historical data. Therefore, they must be removed. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: Nelnet, Inc.
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
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:
Dept. of Education/Nelnet is reporting negative information on my credit reports when i was in forbearance with them to where i was not making payments, But Nelnet is reporting late payments to credit files when they shouldn't even be there due to me being in Forbearance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Been a Capital One credit card customer for 13 years. No late issues Tier 1 credit risk. Out of no where I get an email saying they are cutting my credit line. No prior notice. No appeal. No restoration per their customer service

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX

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 2018-02-16
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On FridayXX/XX/XXXX we requested XXXX to send a wire transfer to Coinbase, Inc. Wire was sent by XXXX on Monday XX/XX/XXXXwith following details : Wire transfer federal reference nbr : XXXX Amount Sent : {$77000.00} On XX/XX/ We received an email from Coinbase , Inc saying the wire was being reversed and if we don't receive the funds back in three business days we were to contact them on their wire support email.

Since then we have opened three support cases with them and emailed the wire support several times, but we have not seen any effort on their part to return our funds or credit it to our account at Coinbase. 

We have received response to some of those emails saying they are working on the issue, but it has been 25 days since the wire was sent to them and 24 days since we received the email from coinbase saying our wire was being reversed. But we don't see much effort to resolve the issue. 

The funds sent to coinbase were from liquidating my wife 's IRA and as such represent a large portion our life savings. Both me and wife are over 50 and don't have many years left till our retirement. We simply do not have the time ( number of years ) or the physical capacity to build up another nest egg. We have made the same appeal to Coinbase, but they don't even respond. Any help you can provide in recovering our funds will be highly appreciated. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: Medical Data Systems, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

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 2018-02-16
Company: EQUIFAX, INC.
State: AZ
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. The following credit inquiry on my XXXX XXXX, Equifax and XXXX credit report is fraudulent, unauthorized and not mine : XXXX XXXX XXXX, XX/XX/18. The following address dont belong to me : XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, MN XXXX. The following phone number is not mine no more : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
XX/XX/XXXX/XXXX : I called creditor ( Capital One ], requesting a new card ( mine is missing and also told the customer svc rep ( XXXX-sp? ) I needed to bring my account balance current. She informed me that I would need to call back after XXXX the next day ( XX/XX/XXXX ) when the payment clears and I could get a new card issued. My payment of {$450.00} ( I was only asked to pay {$130.00}, the amount past due ) cleared immediately. The payment confirmation # is XXXX. 
XX/XX/XXXX/XXXX : I called Capital One to request my replacement card and was informed that my account was restricted and I was not able to get a card. He confirmed my payment had indeed cleared but I could still not get a replacement card. He transferred me to an account Mgr who confirmed I could not get one. I would have made the minimum payment and saved the other {$300.00} for an emergency as my husband is currently on SSI. The Mgr is XXXX and his badge # is XXXX. He even put me on hold for @ 3 minutes returning to say he tried but there was nothing he could do. He said if there is ever an offer for restricted cards, I'd be notified but there is no offers at this time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had a bank account with bank of America in California, I was starting a business, I had investors for funds, the investors supplied money for the business to get under way. The bank of America froze my account and I called the bank when I found out no funds were available and I knew funds were in the account the bank is saying that this was not my money in the account and this is why we froze your account. I have the sum of {$1700.00} due me from the bank of America and went to the bank today to resolve this matter they refused still to pay me my money. I received today a letter from the state of California State Controllers office stating the funds If I do not get from the bank of America by XX/XX/2018 the business is required by law to send the funds to the state controllers office ( SCO ) and can be claimed by me there. I tried to resolve this today XX/XX/2018 but the bank of America still refuses to send the funds or pay me the money due me

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 monetary relief
Consumer complaint received 2021-07-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
Capital One Auto FInance has inquired on my credit report several times and was asked to remove the several inquiries and to this date XX/XX/XXXX have not removed the inquries this has caused me several problems with obtaining credit as well as bringing my score down to a very loanscorer. These are the dates of the inquiries XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XXXX XXXX had no permisson to inquire on my credit XX/XX/XXXX XXXX XXXX XX/XX/XXXX. I also Contacted all of credit bureau to attempt to remove the debt and have not received results as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
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:
Collection information from XXXX XXXX needs to be removed with immediate effect this does not belong to me. See attached for letter from XXXX. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax is playing around with my XXXX XXXX XXXX mortgage account, with the payment history, and still did n't delete the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
they claim that I owe them money for " gap insurance '' I proved it to them by showing them and sending an email of the copy that I had insurance with another company " progressive insurance ''. Hit for almost a year now they've been actively trying to collect what was once {$100.00} to around {$300.00} in auto insurance premium. for what reason I have no idea

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
United Revenue Corp is trying to collect a medical debt in the amount of {$840.00} on behalf of XXXX XXXX XXXX. I was seen at XXXX XXXX which files under XXXX XXXX XXXX on XXXX  XX/XX/XXXX. XX/XX/XXXX did not file the claim with insurance as they were supposed to. Insurance information was provided to them on several occasions. I was previously seen at XX/XX/XXXX XXXX XXXX in XX/XX/2016 on the XXXX  and XXXX  which was billed to insurance. So there is no reason as to why they are choosing to not to have filed this claim with insurance as they should have done. It is now negatively affecting my credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: Experian Information Solutions Inc.
State: IN
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:
On XX/XX/XXXX a dispute was filed with Experian credit reporting agency. It took several months of writing back and forth but the information below was finally removed from my credit report in XX/XX/XXXX. On XX/XX/XXXX I tried to apply for an apartment but was denied because of the same information that was removed because of fraud, not never living there, using my ss number, plus lack of evidence, ( They have not provided no court documents or judgement from a judge for XX/XX/XXXX for XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX XXXX ) was right back on my credit report. On XX/XX/XXXX, I contacted Experian by phone and was told by a representative that I would have to re-dispute my information because they didn't know why it reappeared. On XX/XX/XXXX I pulled my credit report and it's stating that the dispute was done and the information is to remain per FCR recommendations. Now I am confused because once information is removed from your credit report it should remain removed. Now I am XXXX living in XXXX XXXX in the winter because of Experian not re-removing this fraudulent information from my credit report. Why do I have continue to suffer for their mistake!!!! Please help me!!!!

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 2021-07-04
Company: EQUIFAX, INC.
State: LA
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:
To whom it may concern, Pursuant to 15 U.S. Code 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 U.S. Code 1681 is the same as it is under 15 U.S. Code 1602 ( l ) which is the term credit card means any card, plate, coupon book or other device existing for the purpose of obtaining money, property, labor or services on credit. Notice, Congress said Any card. The credit card is my Social Security card.This is the credit card I used to originate every consumer credit transaction.It should be removed from My consumer report with all Consumer Reporting Agencies : ( Equifax, XXXX, and XXXX  ) pursuant to 15 U.S. Code 1681a ( 2 ) ( B ). As a federal protected Consumer I am demanding that you remove this XXXX  from my Consumer report immediately with all the Consumer Reporting Agencies, as it is a violation of my rights as a federal Protected consumer under the title 15 chapter 41.

-XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: I.C. System, Inc.
State: CT
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:
XXXX XXXX XXXX is reporting I owe a gas account and that is incorrect.

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 2021-07-04
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: Was not notified of investigation status or results

Complaint:
I sent a letter previously ( XX/XX/2021 XXXX, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes. 

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: WELLS FARGO & COMPANY
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Wells Fargo has put hundreds of thousands of people on auto forebearance without consent and we were one of the accounts this happened to. We have excellent credit and have never been late with a payment. They stopped taking auto payments in XXXX due to Corona Virus. They put our account in forebearance and thus it reflected on our credit report. We are looking to get a home improvement loan and are unable to do so with our credit report claiming forebearance. 

We also received paperwork in the mail indicating we would be put on a loan status for the amount of money they didn't take from our account and it would be put on the back of the loan. 

Finally, we received paperwork via XXXX XXXX containing another person 's mortgage from PA with personal financial information. It was sent to our home and it was a complete breach of personal information! Not ours, but mailed with all their private information exposed. 

We have contacted the company and they are working to remove us from the forbearance and fix our credit score but this is unexceptable. We will be moving our loan to a local bank 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 explanation