BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
This company keep reporting wrong information to my credit report and is refusing to send me the process of their investigation. I believe no investigation is been made as they keep reporting wrong information. 

please see attached letters been sent AND PROOF OF MY ID

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 2018-11-24
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
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:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : XXXX Account Number : XXXX Date : XX/XX/2014 Amount :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
It's been over a year, ( XX/XX/2019 ) since I've missed late on this account. However, it is still being reported as a late payment on my credit report. I've tried talking to the company about working with me to not report this being that it's been nearly two years. 

I've tried to negotiate to have this removed but was told that there's no way. They will report as usual.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have 4-5 erroneous accounts that were opened on all 3 credit reports ( same merchant ) different bureau. I have disputed this multiple times. Unfortunaetly the credit reporting agencies have not followed what I have asked to prove these accounts were mine or delete the items being reported. I have asked multiple times to do a manual investigation and NOT to use the E-Oscar and NOT to use ACDV or the Automated Dispute Resolution. When I tried to open a 2nd dispute online for one of them the system would not allow me to submit a 2nd dispute. I need to have these manually verified and see proof that these accounts were ever mine because I never opened these accounts and nobody so far has been able to provide me with any proof they were.

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 2020-04-27
Company: Experian Information Solutions Inc.
State: CA
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:
Experian is still reporting a balance of {$130.00} owed to XXXX XXXX XXXXl. However is now owned by XXXX XXXX  XXXX and the new balance is {$0.00} as of XX/XX/2020. XXXX XXXX  XXXX has reported to all three credit bureaus of the new updated balance as well as a request to delete all tradeline associated with this account. Therefore, XXXX  and XXXX  have acted accordingly and followed all credit reporting guidelines ; but experian is still reporting inaccurate info and a balance of {$130.00}. XXXX XXXX XXXX  has tried to update the balance to {$0.00} but an error message is displayed 5 times as stated in the response to my previous dispute against XXXX XXXX XXXX  on XX/XX/2020 dispute # XXXX XXXX. 

Experian needs to delete all credit reporting tradeline associated with XXXX XXXX XXXX   and update the balance to {$0.00}. 
Experian has no right to be reporting on an account with {$0.00} balance and incorrect creditor info. 

PLEASE DELETE AND UPDATE ACCURATELY.

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 2019-06-27
Company: Diversified Adjustment Service, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
A company named Diversified Adjustment Service ( https : //diversifiedadjustment.com/ ) is calling repeatedly even after being told to never call my mobile # again.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: CREDIT ACCEPTANCE CORPORATION
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:
My name is XXXX XXXX I'm writing in to file a complaint for identity theft. In XX/XX/XXXX a car loan was taken out in my name that i didn't take out. The only car loan that I have ever had was opened in XX/XX/XXXXthrough XXXX XXXX. This identity theft incident happened in XX/XX/XXXXwhen I put an ad out on XXXX to sell my furniture. I was relocating to XXXX, Ga. I filed a police report on XX/XX/XXXX because the person that bought the couch from me from XXXX had robbed my house of some goods and money. The attached police reports tells what happened. When I filed the police report I didn't know that the suspect had also stolen my Social Security Card, Birth Certificate, and state issued ID along with the other goods. I did not know about credit as I didn't have any need. I had bad credit from credit cards that I had in college and thought my credit was so bad that no creditor would even give me credit. In XX/XX/XXXXI was interested in the possibility of purchasing a house so I went to credit company to help. I didn't sign on with the company until XX/XX/XXXX and thats when I first was made aware that my identity had been stolen. Not only the car loan but it was also a XXXX XXXX bill and some other items that was on my report that were not opened by me. The company filed disputes to all three bureaus. I had went to get a police report from XXXX county but I wasn't sure of the dates of the first incident. Two of the three credit bureaus took the times off that were not my accounts but XXXX didn't take it off. Through XXXX I disputed twice. In XX/XX/XXXX I was in XXXX for the holidays and I went to get a copy the of the police report I initially filed and filed another police report about my stolen identity. I sent this information to XXXX and I contacted Credit Acceptance.  Credit Acceptance said they would send me a fraud kit and never did. XXXX even with the police reports did not remove the account. Then I received a letter from Credit Acceptance that says it was no fraud. Im very frustrated my interest rates are sky high and I have been denied several times because of this account. Can you please help me. 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 2018-06-05
Company: Select Management Resources, LLC
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was damaged or destroyed the vehicle

Complaint:
They have been contacting me and relatives and my relatives told them to stop all calls and they still call. I made two payments and lost my job tried to make arrangements with them and they were not trying to work with me. The car was damaged in an accident and the tow truck company refused to give the car back because the person that hit the car did not have insurance and I was unable to get the car out

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-23
Company: Phoenix Financial Services LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Repeated calls from Phoenix Financial Services regarding a debt that was previously disputed, removed, then resubmitted by another agency. The other agency ( XXXX XXXX XXXX  ) apparently handed it back to Phoenix Financial which has resubmitted it yet again. This has been ongoing and detrimental to my credit. The previous complaint which includes documentation of the previous removal of the debt from my report was # XXXX filed on XX/XX/21. It was reviewed and closed following the company 's review on XX/XX/21.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: SinglePoint GI
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX / Rep name : XXXX The above company called two family/friends ( that I know about ) trying to get a hold of a XXXX XXXX. That was my maiden name. However, I do not have any debt or student loan for that matter. I verified with them with my full name and last 4 of my social security number and address. I asked who else they called trying to get a hold of me and they refused to tell me. I should have EVERY right to know who they contacted trying to get a hold of me. This is outright embarrassing and not okay to have my family and friend call me telling me a debt collector was looking for me! I work very hard to keep my credit clean. This company did not do their due diligence on the person they were trying to reach. It was clearly not me. A simple search would have told them that. I want to report their practices and I want to know who else they called on my behalf since they refused to tell me. I consider this harassment. Especially since the person they were looking for was clearly not me!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24
Company: EQUIFAX, INC.
State: WI
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:
XXXX XXXX XXXX  Reported to the credit bureau Equifax that my account was closed and deleted from my credit report Equifax will not update credit report even after sinning documentation that it is paid and should be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Notice violations under the FCRA : The CRAs are repeatedly failing to identify their source within their responses to the prior disputes related to the incorrect public records listed on my credit report. 
The three Bureaus are not investigating and not providing the third party vendor. 

Rule Violated : A creditor fails to notify consumer when it supplies negative credit information to a CRA. The Credit Bureaus/CRAs have failed to identify the vendor or source of the two public records listed on my credit report : Pursuant to Federal Bankruptcy Court rules is the court does not supply the credit bureau ( s ) with any court records. 

XXXX  ( XX/XX/2018 ) does not list the VENDOR or SOURCE who provided the public records, as the address on the public record is Notice violations under the FCRA.

TransUnion ( XX/XX/2018 ) does not identify the VENDOR or SOURCE of the public record as the address on the public record is Notice violations under the FCRA. 
XXXX  ( XX/XX/2018 ) does not identify the VENDOR or SOURCE of the public record as the address on the public record is Notice violations under the FCRA.

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 2021-07-12
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax Data Breach/ Identity Theft all is being investigated by the FTC XXXX According to FCRA 605B this information must be blocked immediately until the investigation over

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Upgrade, Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act this creditor ( Upgrade Inc. ) Has violated my rights under 15usc1681 section602 states i have a right to privacy 15usc1681 section 604A section2 it also states A consumer reporting agency can not furnish an account with out my written instructions, under 15 usc1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: AFNI INC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an account with XXXX that was opened by my daughter in my name ... when i found out about the account i had her cancel it ... i later collected all the equipment involved and they told me that the account had a XXXX balance ... but it had since gone to collections and i have yet to get the collection people to get with XXXX to show that i have a XXXX balance ... and i keep getting this disputes and removed for a while qnd then after awhile it shows right back up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: ACS Education Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have contacted Conduent Education services many times via e-mail and phone. Their customer service always goes through an automated system, which doesn't allow us to talk to an actual human being. 

Keeps saying I can't login or reister. I've gotten a " service you just requested is temporarily unavailable '' error for days now. I try contacting them and it prompts to enter your SSN and it says my SSN is not registered. 

I emailed them and given them my account number and it keeps saying it doesn't exist. Also that my information doesn't match with my SS, which I provided them I can't even register or call to pay off my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
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: Information belongs to someone else

Complaint:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
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 have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: Coinbase, Inc.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Coinbase.com is asking consumers to add funds to their account via credit or debit cards. They are then charging the consumers ' ( including me ) cards as a cash advance without proper notification of this transaction before purchase. My and other credit card companies are then charging transaction fees to me and other consumers because of this cash advance. Upon contacting coinbase, I was told it's not their fault and it's the credit card company 's fault. Which is false, due to the lack of proper knowledge provided by them when making the transaction. This problem is wide spread throughout the nation at the moment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
There was a capital one credit card fraudulently opened in my name thats now reporting on my credit report. Ive never had a capital one credit card and Ive sent capital one my police report but they wont close the credit card account and take it off my name. The balance on the credit card is {$760.00} and its all fraud!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: EQUIFAX, INC.
State: NY
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:
Since XXXX 2017 when Equifax had its security breach I have not been able to resolve my issue. I would call the number I was told after being on hold for sometimes over 2 hours and I would call XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and that is just some of the numbers I have been given by people that work for company. Equifax has given free service for Trusted I.D . and I have tried to go on the web site and tried to print my report which it says I am able to do but yet it wo n't work and one person tells me that I have connected to the wrong number and they give me another number and that person will tell me the wrong number and give me another number and so on. I have spoke to numerous supervisors and still with no results, I e-mail them and takes weeks to get a reply back and it says they ca n't call me but to call customer service at number ... ..and again I get no where. can you please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Chase credit card online changed their website. It used to be that I could schedule a payment date. This time, it took my payment immediately effective today for over {$3000.00}. I called immediately, answered security questions. She was unable to cancel the payment. The place online where I was directed didn't work. I was transferred to another department, answered her many security questions and was again told she couldn't cancel the payment and that there was no recourse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-31
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
They are saying I'm XXXX behind on payments. I use to pay XXXX a month and now my payments went up to XXXX. I recently had to hire an attorney to help me get in contact with someone from the company, because they refuse to call back or answer letters. I told them I can only afford XXXX a month if they made it go up told me it wouldn't be a problem. Here it is 5 months later, and now on my credit report they say I haven't paid but take my XXXX $ check every month! I just want to resolve the problem, and get this fixed my credit is the only thing hurting!

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 2020-04-27
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XX/XX/XXXX, I applied and was approved for a Chase Sapphire card. within a few weeks I received the card. I had not yet activated the card as of XX/XX/XXXX. On XX/XX/XXXX, I received a statement from Chase stating I had an outstanding balance which is the {$95.00} annual fee plus late fees with a due date of XX/XX/XXXX. Apparently the interest which was originally billed XX/XX/XXXX and due on XX/XX/XXXX however until todays date XX/XX/XXXX I never received any billing statement from Chase, never received an email to my email address which is on file reminding me of the billing statement but I do receive promotions there and I never received a paper billing statement. On the same day XX/XX/XXXX I received a notification from XXXX XXXX that there was a change and an account listed was closed. I contact Chase to Explain, they gave me a run around, transferred me to 3 different departments, would not allow me to speak to a supervisor and did take my complaint over the phone with no further resolution offered. During this worldwide pandemic COVID-19 they are offering delayed payments for Chase customers however that was not the resolution I was seeking. I was requesting due to the fact and no fault of my own to re-instate my account and allow me to pay the annual fee and waive the late fee so this would not negatively impact my credit rating which has drastically dropped by 30 points. They would not even extend a courtesy to me being a first time customer.

Company response to consumer: Closed with explanation