BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-07
Company: Western-Shamrock Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I applied for and got the loan over a year ago. The reason behind the loan was medical but was told since I had no credit score that this would be on my credit and improve within 3 to 5 months. Never was on my credit and was told they have to tell this to get people to want the loan. My husband and I separated for a short time and during that time I received a message from at the time was a current employee but has since been fired unjustly, saying that her boss XXXX wanted to see me asap that they had info on my husband. I asked them to just tell me and they asked me to come in. The branch manager had gotten my husband from my application and ran his full credit and background and told me every detail and that they had reason to believe he had been trying to leave me for months. I knew everything that was on his credit and neither himself nor I approved this lady to run his credit at that time nor was there a need to run it. I can provide a specific date if need be for them to look at a camera to see they messaged me to come in and show I was there and XXXX was telling me everything from her computer about my husband credit that we did not authorize her to run. I told them a few days ago via email that I would not be paying any longer on my loan due to the lies they told to get me to get the loan and I'm now being harassed already twice daily with phone calls and voice mails. One of which was XXXX wanting to know why she was being threatened by one of my references, which DID NOT THREATEN! They continue to call this one reference over and over. I'm tired of being harassed and this employee and this company should be monitored so they don't check other people 's credits and give them out to others!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: EQUIFAX, INC.
State: IN
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: Other problem getting your report or credit score

Complaint:
I got a letter in the mail from XXXX XXXX XXXX and XXXX XXXX about the data breach that occurred in XXXX. I tried to log into the site they sent and I could not verify my identity because the questions did not apply to me. I called Equifax and they could not verify my identity either. I contacted consumerfinance.gov and they told me to file a complaint. The questions that are asked to verify my identity do not apply to me. I am worried about my ID being stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
I have made all of my required payments it was a issue with my bank account where it would reflag or say it was insufficient funds I have screen shots if it saying it was a issue but capital one closed my account because of it I tried to show them or provide proof of what I was saying but they told me it was nothing they could do about my situation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Credit Systems International, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi, I see a XXXX XXXXXXXX account was opened in XXXX XXXX Texas under my name. It was sent to Credit Systems INTL collections for the amount of {$190.00}. 

I did not open that account. I live in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Capio Partners, LLC
State: PA
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:
XX/XX/2023, CAPIO PARTNERS LLC put a collection in my credit for {$1000.00}. I didnt not give consent for a third party to have access to my medical records

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: CCS Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
I attempted resolve via XXXX XXXX, but company simply verified account ownership, and added a note to original account regarding dispute. 

According to the FCRA, my rights have been violated on these accounts : 15 USC 1681 Sec 602 ( Right to Privacy ) Items listed on the credit report should NOT report a dollar amount 15 USC 1681 Sec 604-A Sec 2 ( Consent ) Items can NOT be reported without my written consent via wet seal of the original purchasing documentation.

15 USC 1692-B ( Acquisition of Location ) This is not the original collection agency of record.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: Coinbase, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
After a routine password change on XX/XX/2020 Coinbase is denying me access to my account, thus holding onto any initial investment as well as any subsequent earnings. I have tried to multiple times to verify my account and contact Coinbase support. I have also tried numerous times to verify my account to no avail. I have been unable to resolve my issue, or speak with a human. Not only will I lose any earning but I will lose my initial investment. All I want is access to my account. There is virtually no support at Coinbase and every email correspondence I've received from them has been computer generated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-27
Company: Genesis FS Card Services, Inc.
State: TX
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1666A 1666B 1666C 1666D 1666E and 1666F. Account Name : XXXX XXXX.

A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Privacy and Consent, there is no law stating that late payments have to be reported. 
This has to be a billing error and needs to be corrected, effective immediately. 
This company is causing my credit score to decrease with reporting of my late payments that is illegal and there is no law that states otherwise. 
I am asking that they remove all information from my credit report 's and that's all 3 bureaus including, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: Affirm Holdings, Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
XX/XX/2023, I received an alert from XXXX XXXX XXXX about a new loan -- a loan that I had not applied for. This is in addition to the fraudulent use of my personal information discovered in XX/XX/2023, prompting credit freezes and fraud alerts placed on the three major credit bureaus and filing a police report. I investigated this new " loan '' to discover it was reported to XXXX XX/XX/2023, but not on the report, and I was not alerted until XX/XX/2023. I took action that same day. The loan was acquired through Affirm , Inc . I called Affirm to report the fraud and learned that the number used to verify identity with my stolen information was not my number. An online portal using Affirm subsidiary, XXXX XXXX, allowed this loan to go through. I have disputed this with XXXX XXXX as well as XXXX. I am disputing this again, as Affirm is denying my identity theft. I have made NO PAYMENTS, but the identity thief is making payments with VISA card that I do not hold nor is it listed on any credit report. This causes greater concern that the thief is using my identity in an unknown manner. I know this because these payments receipts are coming to my email address, as part of the identity theft, the thief used my email. 
I have submitted the police report to XXXX and requested that this be reinvestigated. 
I am using an ID resolution specialist also.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: Professional Debt Mediation, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received a phone call from Professional Debt Mediation INC. regarding an unpaid move out debt that I was not aware of. At this time they had placed a collection on my credit on XXXX XXXX XXXX  for the amount of {$440.00}. Their initial letter was sent to my fathers address, but he did not hold onto the letter. After a brief discussion with them, I was informed that this was on all former tenants credit. The original creditor made a single attempt to contact me in XXXX XXXX XXXX, but did not make any additional attempts. After asking for the proof of debt, they emailed my a small document holding a single vague receipt of what I owed. After asking them to clarify and to provide any additional proof, i.e. itemized list or pictures, they were unable to. I then sent a dispute letter to them on XX/XX/XXXX requesting some additional information about the debt, and more information about their company. I received a letter back on XX/XX/XXXX containing the same contents of the email, with no further questions answered. It seems to me that there is insufficient evidence that I owed the original creditor anything to begin with. Upon further investigation, It was found that this company does not have the license to practice collecting in my current state of Connecticut, and a complaint to my state attorney general has already been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
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 am puzzled as to why your company continues to report errors on my report. 90 days ago I sent in an FTC Report showing my claims along with several documents. I called back to follow up and was told that maybe my documents have gotten misplaced. This is how credit breaches are formed and just recently I found out that my information was leaked in a past breach. This current dispute is being sent to you as an internal dispute and as well as an affidavit. Well this isnt the first time that this has happened to me. Well Im hoping that this is reviewed by a supervisor and not some careless person or robotic computer. I have attached a few documents down below.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-19
Company: DriveTime
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: Account information incorrect

Complaint:
I received a Credit Alert from XXXX  about information that is inaccurate regarding my current auto loan with XXXX aka Drive Time. I reported this issue a few months ago and it appears that the Credit is doing this fraud intentionally. After reviewing the XXXX auto profile, the Creditor has incorrect balance owed as {$660.00}, which is incorrect. I always view my XXXX account daily and I'm not behind on payments as well. The Creditor has my monthly payments as {$410.00}, I have documents that show my bi weekly payments is {$190.00} which equals to {$380.00} per monthly. The Creditor fraudulently reported that I was late five times which is so untrue. The Creditor would have reprocessed my vehicle if I was late on my payments for 30 days consecutive for five months. I am being harassed. The XXXX   report number is XXXX, the reported date is XX/XX/2020 not only that the last updated date showing is XX/XX/2020. This Creditor is a liar and is committing fraud by intentionally reporting inaccurate account information to the Credit Agencies, which is why XXXX  has alerted me regarding this Fraud. I would like to file a complaint please. I would like for this intentional fraud to stop immediately. This unethical stuff should not be happening at all.

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 2023-05-24
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 61XXXX ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXXXXXX Balance : {$700.00} XXXX XXXXXXXX Balance : {$1900.00} I already sent the necessary documents and files in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this website.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2020, I submitted information to TransUnion about fraudulent inquiries and a fraudulent account on my credit report. I submitted all my information along with supporting documents proving the activity was fraud, thus is very frustrating to me because it caused me to be denied on a home twice that Im trying to purchase. I dont understand why its so hard to remove the inquiries and the fraudulent account from my report. I got a response stating that they were working to fix the problem, but I still have the fraudulent inquiries on my report.

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 2021-11-03
Company: Affirm Holdings, Inc
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am a consumer of the United States Corporation. Affirm Inc has violated my rights to the FDCPA and the FCRA. I am a natural person therefore, i don't owe any alleged debt. Under the FCRA 15 usc 1681b - a consumer reporting agency can only furnish a consumer report with the WRITTEN permission of the consumer. This company has committed identity theft by furnishing this to my consumer report. Also, in the FDCPA 15 usc 1692 ( g ) states that I am the original creditor. How can anyone try to collect an alleged debt if they are not the original creditor. I am demanding that you update those alleged payment. I need you to stop reporting any alleged negative information to all consumer agencies and report positively on my consumer report every month with a XXXX balance. If you guys continue to do this I will pursue legal action. Attached to this complaint is a cease and desist, that was sent certified mail and green return slip on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: Self Financial Inc.
State: IL
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:
On XX/XX/2023, I paid my Self credit card bill. On XX/XX/2023, my card was locked and I received an email stating During a routine review of your Self account we have determined that well need some further documentation from you in order to complete that review. Self required for me to send in a copy of my ID, social and bank statement in which I provided those things to them. On XX/XX/2023 I received another email stating After carefully reviewing your customer profile, we have decided to cancel your XXXX XXXX Account with XXXXXXXX XXXX XXXXXXXX I called self over 6 times during this process. No one could provide me with additional information. On XX/XX/2023, I received an email stating my credit card account was closed and Any remaining security deposit funds will be returned to your XXXX XXXX  Account if possible. If your XXXX XXXX Account is closed, or we are unable to move the fund to your XXXX XXXX Account, any remaining funds will be returned using the payout preference we have on file in approximately 14 calendar days. I called Self again to try to understand whats going on. No one can tell me anything or let me speak to a supervisor. On XX/XX/2023. I received a {$31.00} payment from the closure of my self builder account, however, I still have not received my {$520.00} payment from my credit card account. I was informed that they will release funds after their investigation in which I havent had any updates or information about.! Ive called over 10 times and have been left with the same response. On XX/XX/2023 I received an email stating Thank you for reaching out. Your payout status is still currently under review. While, we can not disclose timeframes of our internal review processes, you will receive email notification once any available funds are released upon conclusion of our review. Its been over a month and they wont release my money. This is a secured credit card. The account was opened using money that was provided by me.! Therefore, once the account closes, funds should have been returned to me.! Ive had this account for over 3 years. 

It is now XX/XX/XXXX almost 3 months after the date and I have yet to hear anything and I have not received my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: GATEWAY FIRST BANK
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:
My XXXX XXXX report indicates that Gateway First Bank ran four inquiries on my report. Two on XX/XX/2023 and two on XX/XX/2023 At this time, my XXXX XXXX file was frozen. Gateway First Bank didn't have my permission to request a report attached is a copy of the report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: JPMORGAN CHASE & CO.
State: FL
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:
I changed my due date from the XXXX to the XXXX on the Chase Online website, in order to align with my paycheck dates. As of today XX/XX/XXXX, I kept checking online to see my statement which should have close on the XXXX as every month but it has not closed yet. I called Chase and they inform me since I changed my due date that also changed my statement due date, unknowingly to me since their website did not disclose to me at any time while I did the change of the due date. Now I am stuck with an unplanned statement period which will be over a month and half instead of the regular just 30 days, just because Chase did not warn me or at least inform me changing the due date was also gon na affect my statement closing date. Furthermore, their website still shows my closing date as of the XXXX of XXXX. If I would not have called chase I would not have had any notice this change went in effect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: EQUIFAX, INC.
State: NY
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 am writing today because I am shock how poor attention and lack of investigation XXXX, XXXX, and Equifax has provided to my credit report. After reviewing my credit and the FCRA, I must bring to your attention the account below errors : XXXX The first error date open XXXX is reporting XX/XX/XXXX while XXXX and Equifax is reporting XX/XX/XXXX. 

The second error close date XXXX is reporting XX/XX/XXXX while XXXX and Equifax does not have a closing date. 

The third error account status XXXX and XXXX is reporting closed while Equifax is reporting open. 

The fourth error payment status XXXX and Equifax is reporting current while XXXX is reporting late 150 days The fifth error last payment Transuinon and XXXX is reporting XX/XX/XXXX and Equifax does not have a date. 

The last error credit limit XXXX and XXXX is reporting {$2100.00} and Equifax is reporting {$0.00}. 

I have sent numerous letters to these XXXX credit bureaus and they have failed to show proof that this account was properly verified. This is also a violation of code 15 U.S.C 1681G.

Company response to consumer: Closed with explanation