BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-29
Company: Specialized Loan Servicing Holdings LLC
State: WA
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 paid my mortgage off with Spec Loan Sv in 2019 however XXXX is still reporting a balance of {$200000.00}. 
I tried disputing the information directly with XXXX and they refused to fix it. 

It is reporting correctly to the other two bureaus, XXXX XXXX and XXXX. I paid it off in 2019 and I tried disputing it and it was never corrected.

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 2021-05-01
Company: FC HoldCo LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are several inquiries for which I didn't grant written or verbal approval to perform.

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 2021-02-11
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I am a victim of identity theft. I have reported this event to the federal trade commission. I have never signed for a car loan, promissory note, or any type of instrument nor have I received anything of value or value said owed. I have suffered irreparable harm from these fraudulent actions. FTC report number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On multiple occasions over the past 2 years, I have tried without success to write to XXXX, Equifax, and XXXX regarding their posting of a public record that is listed without any written or verbal authorization from myself or the US Bankruptcy Court XXXX XXXX of Florida. 

Based on the National Consumer Assistance Plan ( NCAP ) that was put in place by CFPB for all credit bureaus they have violated the requirements of this program with regards to transparency and accurate entries on a consumer credit report. 

I provided a letter signed from the court stating that they do no report any bankruptcy to the credit bureaus yet they continue to post information that was never authorized to be posted on my credit report. There are also incorrect and erroneous entries on the listings shown on my credit report for this bankruptcy which was not corrected and was ignored by the bureaus, demonstrating they violated the NCAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I noticed that my credit reports are reflecting a late payment on my JPMCB - CARD SERVICE account. This account is paid on time each month and my balance owed is incorrect. See enclosed documentation. In accordance with the federal Fair Credit Reporting Act ( FCRA ), I respectfully request that you immediately delete this negative mark. I have previously contacted the creditor to update their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: DISCOVER BANK
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Filed for bankruptcy

Complaint:
I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumerto dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account. 

If you wish to send me documentation that you will remove this account from my credit report, that is all I will require. 

Otherwise, please provide me with your documentation showing that this account does indeed belong to me. 

Please send me copies of the contract used to establish the account with my signature on it. 

Pursuant to the above referenced Title Section ( e ) ( 3 ) : I will expect a written reply within the required 30 day timeframe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-24
Company: Resurgent Capital Services L.P.
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 contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: EQUIFAX, INC.
State: KY
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:
I paid this credit card to a XXXX balance in XXXX. The XXXX statement said no minimum payment due so I didnt pay anything then assessed me a late fee for a XXXX   balance account in XXXX. Now it is XXXX they reported me to the credit bureau as being past due over 30 days and it is over a late fee assessed based on their statement showing no payment due ... .and they have assessed an additional late fee. I have set up payment to be drafted out of my account. I want the past due status removed and the late fees reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Coinbase Support XXXX - Error on APP. I opened a case with Coinbase and did not get any helpful response or help with my issues. 
I wanted to buy only {$150.00} on Coinbase for a coin. I log into app and make purchase. When I hit buy/purchase, the app showed a network connection error screen with widgets. I thought the transaction was not completed as I did not get a confirmation on the app or see any coin in my wallet. I tried to buy again same error. So, I tried 6 times total and error every time. Later I checked my email and see I bought the coin 6 times for {$150.00}. I reached out to Coinbase and tried to get the transaction reversed. They said they could not do that. Coinbase also told me I could sell the coins and try to recovery my money. I was charged {$2.00} fee per transaction to buy. Now they want to charge me $ XXXX fee to sell. In addition I had was also hit with overdraw fees on m y checking account and had to move money to cover. The money from Coinbase takes 3 days to return to my bank account unless I pay a higher fee to move the money back. Coinbase was very unresponsive and kept offer ing generic canned responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
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:
Out of all the three Credit Bureau Equifax continues to report incorrect information on my credit report and lowers my credit score by 100 points from the other reporting bureau. 
Example as of XX/XX/2021 I had a credit score of XXXX and 8 months later that have drop my credit score down to a XXXX. 
I have excellent payment history with all of my active creditors with no late Payments. I have dispute several times accounts thats does not belong to me or should not be on my credit report. They have on my account address and states on my account that I have never lived at in my life. They also us a thirty party company by the name of XXXX XXXX to verify and report information on your credit report. 
Neither of these company actually verify your dispute by contacting the creditor by phone or email and have a full name, Position title and date time they spoke with someone to verify the dispute. They use a computer data base to determine if the debit belongs to you. They report wrong balances and late payments and old accounts that should be on your credit report. 
Equifax has had their data hacked by hackers and stole personal information which means their data base is not protected by the black-web and hackers. With the country highest crime on the web-site with hackers Equifax is not a creditable reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
The attached letter is stating that the questioned accounts are not verified as mine< They do not belong to 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 2018-06-30
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This happened in XX/XX/XXXX/XX/XX/XXXX. I was in a relationship where my significant other used my Social Security number to obtain a cell phone and account with the phone company all without my knowledge. This was completed twice with two different phone companies without me knowing before my significant other and I left one another. 

I did not authorize such accounts or billings. It was forged. I did not go to the authorities at the time because I was unaware of such accounts and did not know they were collecting debt. 

In XX/XX/XXXX/XX/XX/XXXX I was made aware of one of the phone company accounts and did my best to pay them because I could not make contact with my previous significant other. Nor could I report her because there was no evident fact that I could prove that she used my information without me knowing.

Now the second phone company XXXX XXXX XXXX has sent my account ( {$1000.00} ) to XXXX for debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: Riverwalk Financial Corporation
State: IN
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a fault student loan collection that I was not aware of the amount of {$55000.00} and is not reported on my student loan servicing, this is scam collector company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: CITIBANK, N.A.
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:
XXXX I purchase and item from best buy. I did t have the card the store clerk wrote down my account number the next month, I paid the bill according to the account number given. It was wrong. They did not apply it to my account and the monet is lost in their system. I have over paid this account and they are negatively reporting g my late payment refusing to do and investigation

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 2018-04-18
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX has violated 15 US 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: Account Recovery Specialists, Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
My name is, XXXX XXXX XXXX, I live in XXXX XXXX, Kansas. On XX/XX/2018 I received a letter from the XXXX  XXXX XXXX out of XXXX XXXX, Kansas stating that I owe an outstanding balance of {$8100.00}, of which includes the {$2500.00} hiring fees of the person ( s ) attempting to collect on this debt. 
Outside my home people drive by yelling out, " You owe restitution '', " It has to be paid ''! 
I am harassed everyday of my life by this! At work I'm subjected to every inadequacy possibly imagined because of this. 
The real truth of this matter is that I am being wrongfully charged for this collection. I'm not responsible for this. I was assessed this fine by a Court because they had no one else to pin it on. I have been in contact with this Court multiple times, both via phone and email, to reconcile this matter but they determined that it would be best to just send it to the aforementioned collection agency. And I have been harassed about it, both in my professional life and personal life, everyday since.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Im having a hard time getting my free credit report from XXXX they say they cant verify if its me but wen i go on line put all my infirmation im aproved to get my credit report if i pay i dont have a past address do to XXXX i wrote them an sent them every every address i could remember no reply i need my credit report i believe someone is using my idenity i explaind to them nothing.

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 2020-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On multiple occasions over the past 2 years, I have tried without success to write to XXXX, XXXX, and TransUnion regarding their posting of a public record that is listed without any written or verbal authorization from myself or the US Bankruptcy Court XXXX XXXX of Florida. 

Based on the National Consumer Assistance Plan ( NCAP ) that was put in place by CFPB for all credit bureaus they have violated the requirements of this program with regards to transparency and accurate entries on a consumer credit report. 

I provided a letter signed from the court stating that they do no report any bankruptcy to the credit bureaus yet they continue to post information that was never authorized to be posted on my credit report. There are also incorrect and erroneous entries on the listings shown on my credit report for this bankruptcy which was not corrected and was ignored by the bureaus, demonstrating they violated the NCAP.

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 2020-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 signed up for the COVID relief plan with XXXX  XXXX XXXX and received a total of 6 new late payments being reported to my credit from XXXX. The program was to avoid this. I have sent several emails, left my contact information, and even a previous complaint with CFB. The company responded that it will look into my case but no one returned my calls. Their executive office number they gave me thru this message complaint never returned any phone calls.

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 2020-08-24
Company: TFS FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was denied a loan by Third Federal stating " income insufficient for amount of credit requested ''. I've consistently been working since 2012 as a doctor and have several homes paid off. The XXXX loan I requested was on a home that is also 100 % paid off, and my average annual salary is likely right around XXXX or more. There is no reason why I should not qualify for the loan. Cash on hand is XXXX bank account, XXXX in stocks. I only have 1 mortgage of XXXX on a home rented for XXXX monthly. I believe there is likely some discrimination going on, just follow the money and you will clearly see this makes absolutely no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I reached out to Experian regarding fraudulent accounts on my credit report that were opened by someone who stole my identity. I provided them with an FTC affidavit and a copy of my Florida driver license. Per the Experian website, police reports should only be filed when one can identify the person who stole my identity, or if I have specific information that can aid a police investigation, my information was used in an encounter with LE, or a creditor requires me to file a police report. None of these apply to my situation. Furthermore, I have already made contact with local law enforcement prior to disputing this information or filing FTC report. I was advised that they are not making house visits for such reports at the moment due to COVID-19 and the officer stated that unless I have evidence that will help their investigation ; I should instead file a report with the FTC and send it to the credit bureaus. Which I have done. However, I received correspondence from Experian tonight stating that I need to provide a police report which ( in their words ) would hold me accountable to  XXXX   charges should I be providing false information. I am appalled that they would report fraudulent information caused by an identity thief, but will make me jum through hoops even though they themselves advise against the police report! I am so distraught with everything that is happening, my entire livelihood is at stake and this credit bureau is illegally maintaining damaging information on my credit report against my will and against their own guidelines!! I am attaching id theft guidelines provided to me by my local sheriff department as well as Copies of Experian guidelines as stated on their website. I am also providing screenshot of the email I received from Experian this evening invalidating my dispute. Please help! The following is quoted directly from the email I received from Experian I. Response to my dispute and FTC affidavit : If you do not provide Experian with the required information specified below, you will not have submitted a valid request to block information in your personal credit report due to an identity theft and no information will be blocked.

The identity theft report that you provided to us does not meet the guidelines established by the federal Fair Credit Reporting Act for the following reason ( s ) : It was not filed with a law enforcement agency which subjects the person filing the report to XXXX  penalties relating to the filing of false information Law enforcement sent me to FTC, which acts as the primary law enforcement agency for identity theft. This should be more than enough to block and remove these fraudulent entries.

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 2020-08-24
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Payment details Statement descriptor XXXX Amount {$1200.00} Fee {$50.00} Net - {$50.00} Status Disputed Description ( Booking # XXXX ) XXXX XXXX 2-bedroom for XXXX I own a condo in Florida which I XXXX out to vacationers. I had a person reserve 2 of my busiest weeks in XXXX. She booked in XX/XX/2020, knowing well that the COVID was in effect. She signed my legal agreement stating that there were NO refunds if you cancel before 60 days. She agreed to all terms. Then she decided 2 weeks prior to arrival that she wanted to cancel. I explained in many emails that I would not be able to provide her the amount back but offered to refund {$150.00}. She decided a few weeks later to dispute one of the payments of {$1200.00} to her bank Chase. I used XXXX as a merchant account and I followed the procedure with 8 pages of  documents in favor of my case. Chase bank did not even look at the contract that she signed agreeing to no refunds, but she won the dispute. I contacted XXXX to help me and they said they can not do anything to help me as the merchant. This is so fraudulent and she is going to do this again. I think Chase bank needs to review my case again, but I do not know how to do this. I do not know if you can help me. Chase bank is the problem allowing card holders to rip off businesses.

Company response to consumer: Closed with explanation