BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have some collections on my report from Portfolio Recovery. I sent them a validation of debt letter because this is something I need to be verified as the amounts do not sound correct. All they sent me was a credit card statement from the original creditor. As I am looking over the statements the amounts that they are saying I owe on my report are not accurate compared to the statements they have mailed to me. I disputed with all 3 bureaus I did do this online without knowing I should do this with a mailed letter. I asked the bureaus to do an independent investigation rather than taking their word for it. The bureaus did just that and took their word. I am trying to buy a home and this is damaging my credit report. I understand the collection agencies are to report information exactly how the original creditor provides to them. Not add a few cents on the dollar to collect from me. The bureaus claim its accurate and said it is updated when in fact it is not updated. The same info appears and all they did was update the Date of last activity on 2 of the 3 bureaus. I am asking this to be investigated thoroughly since the bureaus wont do it. I want this information deleted from my reports because the info they are provided is not true and accurate. Reporting past due balances on some of the collection accounts the account is past due by default. Reporting payment history after the close date. These are all things that should not be happening. I can not get the bureaus to do a thorough investigation so I am asking you to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: Knight Adjustment Bureau
State: UT
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:
Knight Adjustment Bureau is reporting a debt on my credit file that I do not owe. I recently check my credit and noticed this debt on my credit file. I called immediately and paid off this debt. I never received any calls, letters, or notices about this debt and I'm pretty sure this violates my 30 day right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Capital Accounts, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is in relation to Capital Accounts LLC, address showing on my XXXX  credit report is XXXX XXXX XXXX, XXXX, TN. Phone number XXXX. 

I saw a collection account on my credit report for the amount of {$660.00}, owed to XXXX XXXX. This was surprising to me, as I had only ever in my life been to one XXXX, and it was one located 2 miles from my house ( XXXX is located in XXXX, OH - a place I have never been ). Clearly this account was not mine so I contacted Capital Accounts to have it removed from my credit report. 

When I first called on XX/XX/XXXX at XXXX ET, they could not locate me based on my information - name, social security number, date of birth, phone number, etc. This should have been a red flag for them but they required me to go back to XXXX to get the unredacted account number for their own collections account. This was an inconvenience but there was no other way to proceed, so I did so. 

I then called Capital Accounts LLC back on XX/XX/XXXX at XXXX ET. I gave the representative ( XXXX? ) the account number and she asked me again for my personal information, which she indicated did not match what they had on their side. Again, this should have been a red flag for them but they indicated they would contact the client ( XXXX XXXX ) to figure out what went wrong and that they would call me back on either Monday XX/XX/XXXX or Tuesday XX/XX/XXXX at the latest. 

Having not heard from Capital Accounts, I called them at XXXX on XX/XX/XXXX to check the status. The representative on the line was rude and told me I would " just have to wait until they called me back ''. He then proceeded to rudely hang up on me. 

After this call, I decided to directly call the XXXX in question ; the lady there was very receptive, quickly identified that the account was not mine, and agreed to reach out to Capital Accounts to have the issue corrected. 

My complaint here is that Capital Accounts LLC wields a fair amount of power in placing collections onto people 's credit reports ; an errant entry there can wreck a consumer 's credit score and cause real damage ( monetary and otherwise ) as a result. I felt that Capital Accounts LLC was disorganized and unwilling to assist a consumer who clearly had been incorrectly tied to a collection - all of that on top of their lack of diligence in the first place in terms of how they tied the collection account to me ; it appears they did nothing more than look for XXXX XXXX ( a fairly common name ) born in the same month and year as I, and grabbed the first person they saw ( or perhaps grabbed the first one with an excellent credit score ). This company needs to fix their processes or, failing that, should be shut down. I sincerely hope that no other consumer has to go through what I went through here.

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 2020-07-30
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX  XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX   Inquiries : XXXX DEPT OF ED 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 2020-05-11
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:
XXXX XXXX LAST SS # XXXX Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report # XXXX Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1400.00} past due as of XX/XX/XXXX. 


Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX  XXXX XXXX Account Number XXXX Account Type Secured Card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. {$1100.00} written off. 
Status Updated XX/XX/XXXX - Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX   Account Number XXXX Account Type Secured Card Responsibility Individual Date Opened XX/XX/XXXX Status Paid in settlement. {$320.00} written off. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Credit Limit {$2000.00} Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type Auto Loan Responsibility Joint with XXXX XXXX Date Opened XX/XX/XXXX Status Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Original Balance {$12000.00} Highest Balance XXXX  XXXX XXXX  XXXX XXXX  Last reported XX/XX/XXXX {$0.00} Reported balance Credit limit {$300.00} You're using 0 % of your account 's limit OVERVIEW Credit limit {$300.00} Minimum monthly payment {$0.00} OpenedXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date :XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Credit Card - Finance Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX   XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX    XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Experian Information Solutions Inc.
State: PA
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 AND I STILL HAVE ACCOUNTS THAT ARE NOT MY OWN BEING DISPLAYED ON MY XXXX  CREDIT PROFILE. THIS INFORMATION IS ERRONEOUSAND MUST BE PERMANENTLY REMOVED ASAP.THESE ARE NOT MY ACCOUNTS. I NEED TOHAVE THESE ACCOUNTS REMOVEDIMMEDIATELY PLEASE

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 2021-06-04
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Woke up one day not able to send or sell my assets on the platform. They wont let me remove them either. Reached out to them multiple times via email issue not resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened BBVA checking & savings accounts on XX/XX/2021. The BBVA XXXX XXXX new account offer was {$200.00} for checking account and {$50.00} for savings account. 

I met the requirement of " Add qualifying savings account betweenXX/XX/XXXX. Have a balance of {$1000.00} or more on XX/XX/2021 '' but did not receive {$50.00} bonus for the savings account. 

I contacted BBVA customer service and was told the bonus should be posted 90 days after account opening and no further details was provided. My account has been open for 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: CRESCO CAPITAL INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX is placed in my credit report and within there data base for the trucking industry there's been a report filed as an incident/accident however neither took place. Incident nor accident and if need be I might get a lawyer to pull the phone call from the day of that " incident ''. Another thing my credit hasn't been reported correctly paid off some things and was informed if I do so my scope would go up 23-25 pts for each however it went up by 5-6 points. I placed a freeze on all information and I would like to proceed with investigation of fraud.

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 2021-06-04
Company: NAVY FEDERAL CREDIT UNION
State: MD
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 have called Navy Federal and the 3 Credit Bureaus without any reasonable response. I had asked them to look at the evidence again after verified, but hung up on me. I'm filing a complaint to have the CFPB to ask the 3 credit bureaus and the furnisher to look thru my evidence. The account number is wrong. The late payments are inaccurate. The account has been reaged. Pls see attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Company Inquiries : 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 2021-06-04
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: JPMORGAN CHASE & CO.
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:
I purchased two XXXX XXXX tickets for my husband and daughter in XX/XX/XXXX with the Chase Sapphire Preferred card, then closed the credit card several months later. On XX/XX/XXXX, I was issued a refund for {$620.00} total for two tickets. by XXXX XXXX to a Chase Sapphire Preferred card. Chase state they can not look up my previous credit card information, and XXXX XXXX says Chase has my money since they were issued the refund. However, Chase is not giving me my money. I have spoken with both XXXX XXXX and Chase six times each and spoken with managers whenever possible. The Chase managers have directed me to submit a message via their electronic system, which I have now done four times and each time I receive a letter in the mail directing me to contact XXXX XXXX. Again, every time I call XXXX XXXX they state that they no longer have the funds and that Chase has them. Please help me get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: AES/PHEAA
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I am in process of trying to transfer my loans to take advantage of PSLF. One of my employers from XX/XX/XXXX - XX/XX/XXXX has since dissolved, as such I am unable to obtain the Employer Certification. 

Fed Loan Servicing has advised that I need to produce either paystubs or w2s from my time of service in order to qualify for PSLF certification. I did inquire if they would accept my 1040 Tax filing or an IRS Transcript of my tax return showing the employment from that period however they will not. 

I do not have the means to produce the required documentation and am requesting support or an alternative means of certification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX is reporting old information dated XX/XX/2020 and XX/XX/2020 on my accts ending in XXXX Capital One Venture and Master Card XXXX also XXXX XXXX is posting old information XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: TRANSUNION INTERMEDIATE 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: Problem with personal statement of dispute

Complaint:
XXXX XXXX is reporting old information dated XX/XX/2020 and XX/XX/2020 on my accts ending in XXXX XXXX  XXXX XXXX  and XXXX XXXX XXXX also XXXX XXXX is posting old information 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 2021-06-04
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
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:
Fifth Third Bank, N - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX A mortgage company, I cant see the name. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 recently for an apartment and I got denied. I got denied. I don't understand why I would be de-nied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report. XXXX {$54.00} DEPREDXXXX {$11000.00} XXXX {$3000.00} XXXX {$0.00} XXXX {$23000.00} DEPTEDXXXX {$2100.00} XXXX {$410.00} XXXX {$59.00} XXXX {$16000.00} XXXX {$0.00} XXXX {$1800.00} XXXX {$7500.00} XXXX {$1400.00} DEPTEDXXXX {$8500.00} XXXX {$500.00} XXXX {$200.00} XXXX {$450.00} XXXX {$450.00} XXXX XXXX {$870.00} DEPREDXXXX {$11000.00} DEPTEDXXXX {$13000.00} DEPTEDXXXX {$8700.00} DEPTEDXXXX {$870.00} XXXX   XXXX {$710.00} XXXX {$590.00} XXXX {$460.00} XXXX {$4200.00} XXXX {$20000.00} XXXX {$23000.00} XXXX {$17000.00} DEPTEDXXXX {$5500.00} XXXX {$0.00} XXXX {$1600.00} XXXX {$1800.00} XXXX {$200.00} XXXX {$1700.00}

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 2019-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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