BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-02
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
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:
I have two separate complaints, one from XXXX XXXX XXXX XXXX and one for XXXX XXXX. 
XXXX XXXX XXXX XXXX {$27000.00} Opened XX/XX/XXXX Closed XX/XX/XXXX XXXX XXXX XXXX XXXX representative XXXX XXXX told me he would removed this account from my credit report due to my military background and secret clearance issues it would present. Account was paid in full and judgement was removed, however this is still on my credit report. I have filed a dispute with the company and then after with the three credit bureaus. XXXX  has deleted the account, however the other two XXXX and Equifax have not. I am requesting that the two other bureaus remove it from my credit report as well, I am applying for my XXXXXXXX XXXX and need to have it removed before my investigation starts. My complaint is with the bank XXXX XXXX XXXX XXXX and the two bureaus XXXX and Equifax since they have not removed or deleted the error on my report as requested. 

XXXX XXXX {$16000.00} Opened XX/XX/XXXX Closed XX/XX/XXXX I am XXXX XXXX military, when I opened this account it was a regular auto loan. I moved from XXXX XXXX to XXXX due to military orders, I requested a modification to my auto loan under the Service Member Civil Relief Act. XXXX XXXX stated they would convert my loan to a military loan and that they would reduce my car payment. Instead they listed me as late multiple times, converted the loan to a charge off account with XXXX XXXX and never told me. I paid my account off in full in XX/XX/XXXX not knowing this error in my account. Once I applied for my secret clearance I was notified of the issue. I have repeatedly tried to work with XXXX XXXX and they refuse to assist me, they cant provide any original documentation showing my change in my account. I have filed a dispute with all three credit bureaus to have this account removed. Instead they changed the wording to a " fix charge '' for my account. Again, due to my XXXX XXXX request and need to have it removed before my investigation starts. My complaint is with the bank XXXX XXXX and the three bureaus XXXX, XXXX and Equifax since they have not removed or deleted the error on my report as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I use their user interface trading platform, and am in compliance with all of their terms of service. Yesterday, unexpectedly and without notice, I was denied access to my account when has quite a large sum of money. After noticing the problem I immediately phoned the support number given was was only told that they acknowledge my problem, apologized, and said someone would contact me shortly. After waiting for my issue to be resolved, I phoned the support line again, spoke with a supervisor who stated that I must wait on a " specialist '' to resolve my issue. Since then, customer report has been unresponsive to my attempts to contact them. I am at risk of losing a considerable amount of money due to the misfeasance by this company and have been robbed of the control over my funds and assets. For the company 's reference, by original Case ID # is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: NCB Management Services 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:
On XXXX XXXX, 2020, NCB MANAGEMENT SERVI add a derogatory mark on my credit report per XXXX, XXXX  and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA NCB MANAGEMENT SERVI has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
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: Information belongs to someone else

Complaint:
The information reporting seems to me that it is inaccurate, therefore I believe that this information is reporting illegally and is not compliant. I would like to have this information removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have two separate complaints, one from XXXX XXXX XXXX XXXX and XXXX for Capitol One. 
XXXX XXXX XXXX XXXX {$27000.00} Opened XX/XX/XXXX Closed XX/XX/XXXX XXXX XXXX XXXX XXXX representative XXXX XXXX told me he would removed this account from my credit report due to my military background and secret clearance issues it would present. Account was paid in full and judgement was removed, however this is still on my credit report. I have filed a dispute with the company and then after with the three credit bureaus. XXXX has deleted the account, however the other two XXXX and XXXX   have not. I am requesting that the two other bureaus remove it from my credit report as well, I am applying for my XXXX XXXX and need to have it removed before my investigation starts. My complaint is with the bank XXXX XXXX XXXX XXXX and the two bureaus XXXX and XXXX since they have not removed or deleted the error on my report as requested. 

Capitol One {$16000.00} Opened XX/XX/XXXX Closed XX/XX/XXXX I am XXXX XXXX military, when I opened this account it was a regular auto loan. I moved from South Carolina to California due to military orders, I requested a modification to my auto loan under the Service Member Civil Relief Act. Capitol One stated they would convert my loan to a military loan and that they would reduce my car payment. Instead they listed me as late multiple times, converted the loan to a charge off account with Capitol One and never told me. I paid my account off in full in XX/XX/XXXX not knowing this error in my account. Once I applied for my secret clearance I was notified of the issue. I have repeatedly tried to work with Capitol One and they refuse to assist me, they cant provide any original documentation showing my change in my account. I have filed a dispute with all three credit bureaus to have this account removed. Instead they changed the wording to a " fix charge '' for my account. Again, due to my XXXX XXXX request and need to have it removed before my investigation starts. My complaint is with the bank Capitol One and the three bureaus XXXX, XXXX and XXXX since they have not removed or deleted the error on my report as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo continues to mishandle the escrow calculations on my home mortgage account. Earlier this year, they made numerous mistakes which required CFPB 's intervention. Shortly after appearing to resolve the matter, in XX/XX/2018, they again made mistakes with a " new '' escrow calculation/analysis, in which they simultaneously accused us ( in the same document ) of both underfunding and overfunding the escrow account. This company has simply no concept of how to correctly collect, calculate, and pay escrow. We have had numerous correspondence with the company, but as of today, they have not done a correct escrow analysis or changed their demands that we overpay the escrow amount in XX/XX/2018 and going forward. We request CFPB intervene with them, and ask them to comply with their regulatory and contractual obligations on the handling of escrow 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 explanation
Consumer complaint received 2018-08-23
Company: Penn Credit Corporation
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
There are incorrect addresses, phone numbers and name. 
The debt against me from XXXX XXXX XXXX should not be in my name, that debt should be taken against a former boyfriend/my childs father/ roomate, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against NATIONAL CREDIT SYSTEMS. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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/XXXX, I wrote to TransUnion challenging the reporting and compliance of an account on my credit report ; to-wit : XXXX/XXXX. Said account is reporting with incorrect/missing information.

On XX/XX/XXXX I received correspondence from TransUnion, dated XX/XX/XXXX, indicating that the results were " verified and updated ''. No documentation was attached to evidence said reporting.

On my credit report of XX/XX/XXXX, the XXXX/XXXX  account is still reporting with incorrect/missing information.

On XX/XX/XXXX, the Federal Trade Commission issued an Advisory Opinion that evidences TransUnion is in direct violation of Section 609 because it is not providing accurate or clear disclosure of all information in my credit file.

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 2020-05-19
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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Bread Financial Holdings, Inc.
State: MA
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 account is reported inaccurately and I have been disputing it for a long time. I am not surprise by the results because I do not think they are taking me seriously. I have come to you to ask for help regarding this account because it is reported differently across the bureaus. All I want is to get this removed and know why is this in this report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-19
Company: Access Credit Management, Inc.
State: AR
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:
A little less than 60 days ago I reached out the credit bureaus to inform them of my recent encounter of being a victim of identity theft. Repot number # XXXX which included several accounts including XXXX XXXX # XXXX and Access credit # XXXX. These accounts are still appearing on my credit file after these agencies have been notified by me as well as the bureaus. I never received any services or goods in relation from neither of these accounts and they were established from the direct result of identity fraud. It has been more than 30 days and no accurate verification has been made as per the Fair Credit Reporting Act nor the Fair Debt Collection Practice Act. I am familiar with the Health Insurance and Portability Act and its regulations protecting the privacy and security of certain medical information. My consumer rights continue to be violated as well my denial of future credit lines. I find this unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: AES/PHEAA
State: OR
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Hello. This complaint is a follow up to complaint XXXX. My apologies for not providing feedback in the allotted time. 

This is regarding getting a determination on my cosigner release request for the student loans owned by XXXX XXXX XXXX ( XXXX ). The loans are serviced through American Education Services ( AES ). I first filed this request in XX/XX/XXXX. I filed it again in XX/XX/XXXX. 

The response I received from XXXX on my previous complaint is not satisfactory. In effect, XXXX claimed it wasn't their responsibility, and I should contact AES. This is not acceptable. 

I have worked through AES trying to get a response from XXXX   regarding my cosigner release for almost three years, since roughly XX/XX/XXXX. The problem is not with AES - AES has  essentially told me their hands are tied and they can not force XXXX to provide a response to my request, and they just have to wait. AES has forwarded my paperwork to XXXX  and requested follow up multiple times with no response from XXXX. 

This is my message to XXXX : is it absolutely, 100 % unacceptable to sit on this kind of paperwork for years. According to AES, they have sent it to you and followed up multiple times. According to all my available sources, you are the responsible party for reviewing and approving or denying the request. And, from all my available information, you have not done so for over two years. Again, this is totally unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: EQUIFAX, INC.
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was offered a cash advance on my XXXX XXXX XXXX credit card and chose to borrow {$10000.00} as a cash advance to make a purchase. 

My credit score was XXXX before this transaction. I have not even had a first payment and this single transaction forced my credit score down to XXXX. This impacts my future borrowing capability and will increase interest rates. 

No other financial information on my accounts has changed. 

The change is egregious and no disclosure was made to the potential impact. I have contacted XXXX XXXX XXXX and Equifax and received poor treatment and a total failure to explain why such a massive impact to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: Total Customer Service, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In the summer of XXXX ( exact date unknown ) I entered a vacation sweepstakes in a magazine I regularly receive called XXXX XXXX. After a few weeks, I received a phone call from an unknown number saying that I had made it to the final round in the sweepstakes and was now being offered a free trial of magazines. Thinking this was in partnership with XXXX XXXX, a magazine company I trust, I consented to the FREE trial. I was told I could choose from a wide variety of magazines and that I would receive several varieties in a month. However, I received Glamour and XXXX XXXX, neither which I chose, which I just threw away thinking it was no harm since I didnt pay for them to begin with. A few months go by again and I receive a phone call saying that I owe money for these magazines. I gave a rebuttal that I do not owe them anything since I never consented to pay for these magazines I never wanted. I cancelled and the man on the phone hurriedly says XXXX take me of the list. At this point, I moved to a different location and forgot about the ordeal completely. Again, a few weeks to months go by and I receive a phone call saying that I owe a balance on the magazines I was receiving. However, I was told that my renewal would be cancelled and all debts removed for just {$50.00}. Confused at how I ever got into having to pay anything at all for a service I didnt want, I mistakenly obliged to pay {$50.00} just to drop the matter. I was charged {$49.00} on XX/XX/XXXX. However, within the same month I was charged another {$49.00} on XX/XX/XXXX. Irritated, I called and tried to confirm my cancellation, telling them I was still receiving the magazine though I never renewed. They said I would continue to receive magazines for the amount Id already paid ( {$50.00} ), but that my subscription was indeed taken off the renewal list. However, I was then informed of a balance of $ 600+ dollars! I explained I never wanted this service and cancelled long ago and told them this amount would not be paid. I then proceeded to cancel my card to receive no further charges. They continue to call and harass me at least once a week. The amount then went to the collection agency Total Customer Service , Inc which, according to XXXX reviews has worked exclusively with XXXX XXXX XXXX and similar scams. Therefore, I am choosing not to interact with them and instead wanting to consult a more assured process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem adding money

Complaint:
I activated my way2go unemployment card an it's still saying no money on there. Its been MONTHS. It doesn't show on my claim where it says Paid out. Help please thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX, XXXX, XXXX of XXXX I began noticing odd charges on my credit card. I notified Capital One via letter on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again this year twice, the first time in XX/XX/XXXX and then again recently in XX/XX/XXXX. I've gotten ZERO responses other than them sending me correspondence informing me that because I DID NOT inform then with 6 months of the charges I was not allowed to dispute the charges!! I did notify them, with 30 days or less, or each and every single charge. In XX/XX/XXXX, I even sent them copies of each letter along with copies of the statements showing the charges in question with only a response to one charge for {$100.00} which was done XX/XX/XXXX. 

There are 7 charges total that come to {$890.00} and were done as follows : 1. XXXX on XX/XX/XXXX to XXXX XXXX 2. XXXX on XX/XX/XXXX to XXXX XXXX 3. XXXX to XXXX on XX/XX/XXXX 4. XXXX to XXXX on XX/XX/XXXX 5. XXXX to XXXX on XX/XX/XXXX 6. XXXX to XXXX XXXX on XX/XX/XXXX XXXX. XXXX to XXXX XXXX on XX/XX/XXXX The one and only charge reversed so far has been {$100.00} to XXXX. NONE of the others have been remedied and I've incurred late fees, excessive interest, and damage to my credit as a result of this. I've been undergoing a medical problem for the last 1 1/2 years that prevents me from speaking on the phone so hence the constant letter writing. I've not had the ability to work so I've not had the ability to use and pay the card, yet because of questionable charges AND Capital One ignoring my correspondence I now have damaged credit and debt that I can barely afford to pay. 

This has gotten beyond frustrating at this point.

Company response to consumer: Closed with monetary relief