BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-12
Company: Experian Information Solutions Inc.
State: IL
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:
I have disputed the inaccurate information found on my credit report regarding the XXXX XXXX 's XXXX XXXX XXXX, however it does not seem as though they have been fully investigated. I believe fraudulent activity is occurring regarding this account because the credit union never paid any money on my behalf or to me and were never actually out of any money. They have written off the account and sold the account to a collection company, so they have been paid on the account, however they are still reporting and updating a balance every month as if I owe them. To my understanding, this is considered a violation because it would have to have a {$0.00} balance. On top of that, when I have called the credit union to resolve the issue, they tell me they can not speak to me or perform any actions regarding this account because they no longer own it and I should have or will be contacted by the agency who owns it. I have requested to have this information removed immediately because it is a violation of my rights and is negatively impacting me. One of the bureaus actually took the time to investigate this and already removed the information.

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 2020-12-03
Company: SYNCHRONY FINANCIAL
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/XXXX - {$570.00} - Disputed, no validation letter, was never given account to dispute, don't recognize this debt. 
XX/XX/XXXX - {$2200.00} - Disputed, no validation letter, was never given account to dispute, don't recognize this debt.

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 2018-02-19
Company: General Motors Financial Company, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2017 I never gave permission to that company to check my credit score, And they did Hard inquiries XXXX  XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 submitted a complaint with XXXX XXXX XXXX to dispute a debt they say I owe them. In response from another company XXXX XXXX XXXX XXXX they tried to explain to me why I must pay them. They provided me a notification of a debt letter from another company. How should I dispute the validity of a debt if the company that I must call is not XXXX XXXX XXXX? I received no notification from XXXX that I must dispute validation with them. They violated the Fair Debt Collection Practices Act and I demand you to delete that account from my credit reports.

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 2022-08-05
Company: EQUIFAX, INC.
State: PA
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:
To Whom it May Concern I have right to privacy under FRCA LAW I am writing this letter of my own free will and accord. It has come to my attention that there are inaccuracies on my credit reports and FCRA law commands that they either be verified XXXX. Provide validation of the debt, that is, the actual accounting. 
XXXX. Verification of their claim against you, that is, a signed Invoice. 
XXXX. A copy of the Contract binding both parties ( you and them ), and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' I recently tried to verify these accounts with the credit reporting bureaus. You have yet to provide proof other than word of mouth. Where are the documents and authorizations for these accounts? 

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct a full investigation and provide me with the documents showing where these accounts originate. Please provide documented proof that I am the owner. 

Lastly please remove the following collection accounts from credit reporting : These accounts are not mine. My credit report was accessed under false pretenses which is identity theft. I will be filing consumer complaints so that these companies are fined for the vicious and malicious practices. I will sue if necessary XXXXXXXX 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 2018-03-25
Company: Allied Collection Services, Inc. (Nevada)
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello, my name is XXXX XXXX I am new to the credit world. I have always paid in cash. Though, I am newly engaged and would like to establish some credit in my name. Upon looking at my credit info on XXXXXXXX for the first time ever I came across an account in collections called XXXX XXXX XXXX in collections with a company called Allied Collection Service in the amount {$380.00}. I have never been to this school nor ever heard of it or where it may be located. It is the only mark on my credit and do not know how it got on my report. I have had it removed from XXXX XXXX but it is still on XXXX. 
This is not my dept owed. I always pay my debts, please help me to have this false information removed from my credit report. 

Thank you!!! 
Sincerely, 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 2021-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I XXXX XXXX am a victim of identity theft and fraud. TRANSUNION IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 4TH ATTEMPT WRITING TRANSUNION ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

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 2018-02-19
Company: Experian Information Solutions Inc.
State: NV
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:
Credit report shows accounts in collections, chapter XXXX bankruptcy covered these items. Currently XXXX XXXX of XXXX shows 2 collections accounts and XXXX XXXX shows 1 collections accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-25
Company: Creditor's Collection Service, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Creditors Collections Service contacted my mother in regards to a debt that I still owed and had no idea that I still owed any amount of money because I hadnt received any paper documentation stating that I still owed {$3500.00} for a combination of medical bills. About 5 or so years ago, my father tried to get the debt settled in order to get it off the books so I could quite worrying about it, but the company refused to settle and came up with different excuses as to why we couldnt get the debt settled so I would stop paying on it. Up until last month, I had been paying $ XXXX/month through my banks online bill pay. Once I stopped paying the company the {$5.00} & decided to put the {$5.00} elsewhere, they started to call and harass my mother about the debt that I, the patient/person who was on the account still owed. I called them back and stated that I had stopped payment due to not receiving any paper documentation in at least 2 plus years stating how much I still owed on the account so I was unaware until Friday, XX/XX/XXXX, that I still owed them the {$3500.00}. They stated that their system wasnt set up to send out bills for any monthly payment under {$25.00}. They asked if I was going to pay the {$25.00} and I flat out told them no. The highest amount that theyll be receiving is {$5.00} a month again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The closing on my personal property XX/XX/XXXX. The mortgage company was over paid and they were supposed to send us a check for the overage of {$1600.00} as agreed upon at the closing. In Mid- XX/XX/XXXX, we still hadn't received the overage check so we reached out to XXXX XXXX XXXX advised us that it was their mistake and they would be sending out the check. In XX/XX/XXXX we reached out to them again and they said they sent out the check and that they would follow up on it. There was response so in XX/XX/XXXX we reached out again and they then told us the check had been sent out to us and cashed. We told then=m we had nit received any check nor cashed it. So they sent us a coy of a front of a check and the back of a check with a different account number and signature. We explained that it was obviously not us and they told us to get a police report and to talk to the bank and we did ( see attached documents ). The bank said they could not help us because we were not the issuers of the check the issuer has to deal with the issue directly. Here we are now XX/XX/XXXX and after various conversations with XXXX XXXX, of them promising to send out a replacement check and finally they told me last week that they would not issue a replacement check to go through the legal route and get an attorney to fight it out. That is why we are reaching out to you for some assistance in this matter. Please see all necessary documents supporting our claim 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 2022-08-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I filed a claim against XXXX for recurring charges dating back to 2021. I submitted a complaint to XXXX, which refunded my account, but Capital One canceled my accounts when XXXX acknowledged the mistake. I received an email to add a linked account, but when I called, I was told that I could not add a link to an external checking account and was told at the time of the call that there is no specific timeframe for when I will receive my funds left over in my checking account. I received an inaccurate email from this bank, and the accounts were closed for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: EQUIFAX, INC.
State: AZ
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:
Reviewed my credit report in XX/XX/XXXX and noticed a lot of errors, inconsistent, and incorrect information. Sent a letter to Equifax on XX/XX/XXXX via mail asking them for an investigation and to verify all the dates and amounts were correct and fix the incorrect reporting on my credit. They did not respond at all so I sent another letter on XX/XX/XXXX via mail, again asking for an investigation and proof. They still didnt respond to that letter so I sent a third letter on XX/XX/XXXX certified mail so I have proof that they signed for my letter.

Last week I received two letters from Equifax dated XX/XX/XXXX on the same day. The said that they could not locate my credit file and needed me to send proof of identification and address. With all three letters I sent a copy of my Arizona drivers license and my XXXX direct deposit sub as my proof of address. The second letter said that they received my request to be removed from the promotions list and that it was added to my credit file. How did they find my file to add the restriction if they couldnt find my credit file in regards to investigation purposes?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: Linebarger Goggan Blair & Sampson LLP
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX ( XXXX ) in Colorado charged me correctly for using a toll road on XX/XX/XXXX. I thought nothing of it expecting a bill for ~ {$5.00} in the mail. Nearly a year later on XX/XX/XXXX I receive a notice that I was sent to collections for {$50.00} on XX/XX/XXXX. I never once received the bill or was given notice of failure to pay. XXXX made XXXX effort to contact me, and instead seems to be using debt collectors as a racket to increase the fees they charge on their roads. A cursory XXXX shows a multitude of similar complaints against them in the news, and seems to establish a trend of predatory and fraudulent behavior by this company, hence this official complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Persolve, LLC - Legal - Series 2
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never signed or dealt with Acct Resoltn. Very unaware of this company. I asked can they submit all documents I signed with their company and received nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Collector called my cell after being told not communicate via mail only, calls to my cell number incur charges. Collector refused company name even after being made aware of FDCPA violation. Reluctantly, I provided my information and was given her company name. I advised collector at that time of violation for calling my cell phone as well as refusal to provide company name and that two collectors from same company calling me simultaneously on 2 seperate accounts. Also, company is aware of payments being made on account with legal proceedings. Collector responded with she can do whatever she wants and I need to pay. She was rude and holds no value to laws set to protect consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-30
Company: General Motors Financial Company, Inc.
State: CO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I currently have a loan with GM Financial, and had noticed that my credit report was not reflecting a payment made since XX/XX/2018. I had contacted GM Financial and was informed that it was a system error and this would be resolved by the end of XX/XX/2018. The problem was resolved for a few months, but now shows that a payment has not been paid to my account since XX/XX/2018. I have asked GM Financial, on several separate occasions, to look into this and get it resolved, as I am unable to refinance my vehicle or even utilize my credit because this is affecting not only my credit score, but also my payment history reported to the credit bureaus. Almost a year and a half later, GM Financial is still not reporting any payments that I have made to my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-14
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: Old information reappears or never goes away

Complaint:
I have an account that appeared on my credit last year from XXXX XXXX on behalf of original creditor XXXX College and it was deleted off of my Equifax, XXXX and XXXX report by XXXX the dispute date was XX/XX/2017. Some how it has been reinserted this month on my Equifax, XXXX, and XXXX reports by a new collection agency going by the name of XXXX XXXX XXXX XXXX. I was not notified in writing or phone call about this debt nor does this account belong to me as I have placed a fraud alert on my credit files due to breach. It was previously removed from not being my debt and it was resold to another collection agency. I want this account removed back off of my credit reports immediately this is a violation of the FCRA by reinserting a deleted account back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: EQUIFAX, INC.
State: NV
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:
Credit report shows accounts in collections, chapter XXXX bankruptcy covered these items. Currently XXXX XXXX of XXXX shows 2 collections accounts and XXXX XXXX shows 1 collections accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: EQUIFAX, INC.
State: AL
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:
Equifax is reporting my bankruptcy inaccurate. The date filed is in accurate and the discharge date is wrong. The bankruptcy was filed in XX/XX/XXXX and the discharge date is XX/XX/XXXX. They are reporting this information in accurate on my credit report and I want this bankruptcy removed the law clearly states in info being reported inaccurate can be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ND
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2019 Capital One XXXX closed my account for fraud even though there was no fraud. They failed to call me. They emailed me and its instructed to call, not email me. They are refusing reopen the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My email to XXXX XXXX NMLS # XXXX branch manager on XXXX and XXXX in XXXX XXXX, CA XXXX XXXX XXXX XXXX  CA XXXX I opened this account in your branch in XX/XX/2018. 
( Acct # XXXX XXXX XXXX XXXX ) That month, I overdrew my account {$8.00}. I was unaware of this overdraft and was charged an overdraft fees of the following : {$36.00} on XX/XX/ 2018 {$36.00} on XX/XX/2018 {$25.00} on XX/XX/XXXX This left my ending balance - {$100.00} for the month of XX/XX/2018. 
XXXX continues the charges in the following : {$25.00} on XX/XX/ 2018 {$25.00} on XXXX XXXX 2018 {$25.00} on XX/XX/ 2018 {$25.00} on XX/XX/ 2018 {$25.00} on XX/XX/ 2018 Bringing my balance to $ XXXX I called several times to see if any of these fees could be reversed and was immediately treated rudely and told " no ''. 

The account was then closed in XXXX and another {$30.00} fee was tacked on. Bringing my ending balance to - {$260.00}. 

I came to US Bank because I thought they didn't partake in the incessant fee charging of their customers. I admit fault in over-drafting {$8.00} and agree to paying a single fee for that. 

It has now been brought to my attention that I am in XXXX XXXX  for {$260.00} for a {$8.00} error. I am hoping you can do something to rectify the situation and request my removal from XXXX XXXX. 

Please get back to me at your convenience by replying to this email due to the fact that during working hours I am unable to answer the phone. 

Thank you for your consideration in this matter -- XXXX XXXX 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 2017-12-12
Company: Coinbase, Inc.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I have been trying to get my funds out of this exchange since XX/X/17. I have been locked out of my account due to a non-functioning " ID verification '' process that the company touts. I have provided all of the necessary information for them to assist me with the simple request of restoring access to my money. 

I have over 50,000 USD in my account and feel that waiting over a week after filing a support ticket is too long. I have not received a single email that has been anything more than an automatically generated response. I have been a loyal customer of this company, and I am shocked that there is no support to be found. I have tried direct messaging the company via twitter, filing a support request through their website, and emailing their support center directly. I have also tried calling them on their support lines, and have endured endless hold times and busy signals, never once getting through to a person. 

Over a week, and zero response from a company that holds a good chunk of my life savings.

Company response to consumer: Closed with explanation