BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-25
Company: RevSolve, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a statement from RevSolve Collection Agency onXX/XX/XXXX for {$60.00} in reference to XXXX Urgent Care Services. I emailed then a notice to validate the alleged debt as I was certain I owed them nothing. I received a statement from ResOlve dated XX/XX/XXXXwith a statement stating I owed {$60.00} and a statement validating that my balance to XXXX Urgent Care is XXXX. This is clearly an attempt by RevSolve to extort {$60.00} out of a unsuspecting person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: Winklevoss Exchange LLC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Hi, I have a account with XXXX  ( XXXX ). I started using XXXX since XX/XX/XXXX, for good 3 months. There isn't any problem from their side. 

However, I received an email on XX/XX/XXXX saying that my account has be be closed. They give me 5 days of time to withdraw my Bitcoin, Ethereum and USD from the receipt of the email. I tried email and ask for reason and try to cooperate with them. 

Sadly, they replied saying that they will not elaborate on any specifics of the decision. I am a XXXX registered customer and I did not break any rules from their terms and conditions. I depend solely on XXXX to trade on virtual currencies, having my account closed has been a big deal to me. They might just lose a customer, but the loses I carry is much more. As of right now, I cant access to my account as it was closed. 

This is not fair. I hope CFPB can help me solve my problem and have my account activate back ASAP.

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 2021-04-11
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX is an account that has been reported with an incorrect balance, incorrect payment history, incorrect opening date and all 3 of these issues have been brought to the attention of the Credit Bureau by dispute. 

However, each dispute has come back as 'VERIFIED '.

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 2021-04-11
Company: EQUIFAX, INC.
State: NC
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:
My credit score dropped 89 points after paying a credit card balance down from 95 percent usage to 7 percent usage and nothing negative added and all open accounts paid on time for over a year. Even people on the phone from Equifax can't explain it and say they can't fix it. Should have went to XXXX at the least not drop to XXXX and ruin my loan chance this coming week.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: SUNTRUST BANKS, INC.
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2019 This involves on-line access to my current mortgage account. According to SunTrust Mortgage I am the " co-maker ''. We have an on-line account created, however, it had to be created in my husband 's name because he is the primary person listed on the mortgage. I needed to re-set the password after trying to log on too many times. I called SunTrust to re-set the password, however, they would not speak to me about it because the online account is in my husband 's name, not mine. Now remember, I didn't have the option to set up an account in my name. I am just a " co-maker '' to SunTrust. The customer service rep then attempted to set up my own on-line account, however, because I am not the primary person on the loan he told me they do not offer an online account for a " co-maker ''. 

I am just as financially responsible for the mortgage as my husband is. I should have the same access to the on-line mortgage info that my husband does. I explained to them that I am the one who set up the account initially and am also the one that accesses it when I need it. I am also the one that sends the payments. They would not re-set the password for me. They told me that they do not offer on-line accounts to " co-makers ''. 

Don't you think that anyone financially responsible for a mortgage ought to be able to have on-line access to the most current information? In this case I was trying to access the annual escrow statement that comes out in XX/XX/XXXXof every year. I am trying to adjust our budget to make sure I set aside enough money to make our next mortgage payment in the correct amount and in a timely manner. This was time sensitive information that I needed. 

I spent an hour and 16 minutes on the phone being transferred to various departments. This is not acceptable.

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 2021-09-09
Company: EQUIFAX, INC.
State: DE
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. There are fraudulant accounts on my credit profile that needs to be removed immediately. 

Fraudulant Creditors : XXXX XXXX/XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: CMG MORTGAGE, INC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2021 I woke up to my mortgage payment being declined for {$0.00} less in the account then needed. I then fixed the issue, contacted CMG, and asked if they would try to pull the money again. The agent stated that they wouldn't. I then submitted a payment. On XX/XX/2021 I then looked at my account and I was over drafted due to CMG taking a payment and processing my payment. I then contacted them to rectify this and they refuse to acknowledge the issue, disconnected the chat, and when I chatted back realized they never verified my account before communicating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: CREDIT ACCEPTANCE CORPORATION
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
To whom it may concern, Hello my name is XXXX XXXX, I am writing you in reference to a situation in which my affiliation through the auto finance company called Credit Acceptance Corporation has persistently dropped my credit score and caused me financial hardship. After much effort to correspond respectfully and amicably, with honest and genuine intentions of coming to an agreement that would remidy the negative information reported to all three credit bureaus. On XX/XX/2018, my employment contract ended as a pilot and there was a three month period in which i was unpaid before my first check from my current place of employment was received. After my payment in XX/XX/2018, I contacted Credit Acceptance Corp. to explain and warn them of my empending and inevitable situation, in an attempt to come to some polite agreement that would eliminate the possible late payment from hitting my credit score and possibly paying more in XX/XX/XXXX  to catch up in good faith. To no avail ; I was rejected, and told that late is late, and there was no options for me. I paid them late one half the full payment, and struggleing to pay half, I was able to scrape the money up to pay half, after paying half the full monthly payment they reported to the bureaus that I was 60-90 days late a full payment which is incorrect. I have opted to submit a complaint with the CFPB in an effort stop the situation from worsening. I have called and on all three occasions been rudely turned down put on hold for as long as 45 minutes only to be told that whats done is done and there is nothing that I nor they could, or would do to reverse or rescind even lessen the impact of my late half of one payment. I am an upstanding, morally sound, honest American that I believe contributes positively to society. The customer service phone number is XXXX headquarters located in XXXX, MI. I am asking for help because I am unable to catch up on late bills with even the smallest consolidation loans with my current credit score impact, I have no where to turn for help, moreover the longer it negatively affects my credit, the longer I am unable to improve my situation or my dignity. 

Kind regards, XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had an account with XXXX XXXX over 6 years ago. One day I received an alert that my account information had been changed. I immediately called XXXX and was told that someone apparently had got into my account and ordered several XXXX  and XXXX  to be delivered to an address in New Jersey. I am in California. I was assured that I would not be charged for this identity theft. I continued to battle this with XXXX for the next year. I finally dropped XXXX and signed up with a new provider. This fraudulent debt has remained on my credit report all of these years and has never been corrected after many, many attempts to resolve. 
How can I be punished for someone else 's criminal act? Unbelievable. 
They are also showing this account as " open ''!?? and that it was opened one year and eight months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
In XX/XX/XXXX there was a bankruptcy filed. Once the bankruptcy discharged there was a huge amount of issues on my credit report. There were accounts that were included that should not have been. The bankruptcy court contact information was inaccurate, the amounts, phone numbers and case numbers. I sent letters to the credit bureaus in XX/XX/XXXX andXX/XX/XXXX to correct or update the information. None of the three credit bureaus updated the information nor removed the bankruptcy. I sent credit report dispute letters certified mail to both XXXX and Transunion on the XX/XX/XXXX. They were both received on XX/XX/XXXX. I followed up with both of them and XXXX  also completed a phone dispute as well. I received an alert response onXX/XX/XXXX. I called XXXX  in regards to the bankruptcy dispute. The agent notified me that it was confirmed and updated. I asked whom did they contact to confirm the bankruptcy information? The agent advised me that they used a third party system and did not want to provide me with the system. I advised them that I have access to systems as an XXXX and that I did not see any documentation either. I also explained the agent that according to the FCRA Act that the credit bureaus would need to update the correct information or remove the bankruptcy. I have also disputed accounts that were inaccurate along with huge amount of inquiries that were not authorized. I have reached out to all three credit bureaus and this issue still has not been resolved. I am a military service member and I should not have to constantly deal with these issues.

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 2021-07-04
Company: HSBC NORTH AMERICA HOLDINGS 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 have an opened case ID # XXXX at HSBC US NA as they have not properly reported my payment history to XXXX  since XX/XX/XXXX. The case is stil not resolved. Now we also see that they do not report properly to XXXX as they should. HSBC says it reports to XXXX, XXXX and XXXX. My latest credit report sent by XXXX on XX/XX/XXXX shows a fully blank payment matrix between XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
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:
In XX/XX/2017, I filed a police report for identity theft. I listed XXXX  as 1 of the companies that were reporting fraudulently on my credit report. I also sent a copy of an identity theft affidavit along with the police report to the credit bureaus. XXXX  and XXXX removed all the fraudulent accounts including XXXX. Equifax did not. I re-sent the identity theft dispute to Equifax and was told that the dispute information was sent to XXXX. I recently was told to contact XXXX  directly, which is what I did. They informed me that a loan was issued in another persons name and SSN. Recently I was told that a family member had stolen my identity. They had gotten this auto loan under another SSN and called XXXX in the middle of the loan and gave my information to them which prompted XXXX  to start reporting the loan under my social security number. I was given an identity theft packet by XXXX to complete and notarize which I did and asked for a copy of my Drivers License and SS card. Upon receiving my SS card, they then asked me to sign a XXXX  form to verify my SSN. They are stating that they had every right to change original contract information to my information even though I didn't give it to them and I didn't apply for a loan with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
To : XXXX, XXXX and Equifax I am writing this formal letter to inform you that there are a few medical collections accounts on my report that have inaccuracies. And not only does it contain inaccuracies but the accounts and the Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX and Third Party Creditor XXXX XXXX have violated several consumer laws which I will disclose what statute has been violated. XXXX, Equifax and XXXX has also violated several consumer laws. 

But this will be a notorized document and this will be the final notice to request These accounts numbered XXXX and XXXX attached to this letter to be deleted from the file. If these accounts are not deleted a lawsuite will be filed against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I returned my lease to XXXX and was told I did not owe anything and all payments were paid. On my auto credit report said balance due {$0.00} and on the XXXX XXXX XXXX website as well also said {$0.00}. Now I received a bill of {$380.00} after account has been closed and Balance is at {$0.00}. There was no excess mileage or damage and I was of any future charges I would be responsible for until now. My husband is currently XXXX XXXX XXXX and I am unemployed but currently only receiving financial help from family at the time and I can not afford to pay this amount and dont understand what why I am being informed of this being owed after I returned the lease and account was closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX is an account that has been reported with an incorrect balance, incorrect payment history, incorrect opening date and all XXXX of these issues have been brought to the attention of the Credit Bureau by dispute. 

However, each dispute has come back as 'VERIFIED '.

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 2020-05-06
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize anyone employed by XXXX XXXX   ANY OTHER COMPANY, and including the EQUIFAX, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts yesterday again, and placed a security freeze to my credit file. Equifax is the only out of 3 agencies that have not put the freeze as requested, that both XXXX  and XXXX  did, and this in addition to several other inquiries started after the Equifax data breach publicly known.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
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:
XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY XXXX XXXX Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY CHILD SUPPORT Show Details XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX COLLECTION ACCOUNT XXXX  - XXXX  SERVICE Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY XXXX Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY SNAP-ON CREDIT Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY SYNCB/HAVERTYS Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY XXXX XXXX  XXXX Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY ALL FILED TO FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AK
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I've got a mortgage from USAA BANK, serviced by XXXX XXXX XXXX As of late ( past 2 Mont 's ), they charge me 2 mortgage payments in the same month. When I ask to speak to a supervisor I'm being told that they do not have such person this is the case with XXXX and USAA. Do to their action I can't pay my truck payment this month, last time I had overdraft protection through my saving acct, but I discontinued it since they transferred so much money out of my savings that was down almost to XXXX, a lot more that was needed. I feel that they are cheating me on the escrow, charging me way to much money, when I asked about it they got no acceptable answers. I'm a XXXX year old XXXX Veteran with an advanced XXXX  XXXX, living on my XXXX. I can't afford this type of game that these two banks are playing with me. I can't find no one nor place to make a complaint, most of their agents have no clue how the Bank is set up. I would appreciate some help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: EQUIFAX, INC.
State: AZ
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:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation