BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-26
Company: T.S. Holdings
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I.Q. Data International , inc. has a debt collection falsely appearing on my credit report for the total amount of {$4400.00}. The alleged original creditor name is XXXX XXXX apartments, where I have not ever lived or applied to live. The date appearing on my credit report as the open date for this collection is XX/XX/2017. 
Immediately upon learning of the debt I contacted the collection agency, I.Q. Data International and advised that the debt was fraudulent and did not belong to me. I  requested the address to mail in a dispute letter and the representative hung up on me. Each time I called back requesting to speak with a supervisor, the representative hung up on me. I then used XXXX to locate XXXX XXXX XXXX phone number and left urgent voicemails to contact me in regards to the fraudulent debt collection. After approximately one month with no response, I used XXXX to find the corporation that manages XXXX XXXX XXXX, which is XXXX XXXX XXXX. I was asked to submit a copy of my current rental lease, which I did XXXX at the time was XXXX XXXX XXXX. I was told that the debt collection would be deleted due to the account not belonging to me upon furnishing my then current rental lease, however that did not ever occur. All continued attempts to request removal of the fraudulent debt collection have not been answered by I.Q. Data International, XXXX XXXX XXXX, or XXXX XXXX XXXX. These communication attempts have been via phone and written letters to the companies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-26
Company: Experian Information Solutions Inc.
State: IL
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 my Experion credit report there are 4 people linked that are not me. Their accounts are also showing up that are not mine both active and closed.

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 2018-02-21
Company: Navient Solutions, LLC.
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/XXXX, I was checking on repayment dates for my loans. From the information provided at that time, repayment wasn't due to start until XX/XX/XXXX. 

On XX/XX/XXXX, through XXXX ( an app I connected to Navient ), I saw there was a payment coming due on XX/XX/XXXX. I went to call Navient to see if I could have the due date pushed to XX/XX/XXXX,  as I was not planning on starting repayments this early and wouldn't have quite enough to cover the loan payment and my other obligations. 

I called Navient on XX/XX/XXXX, and after verifying got sent to the collections department as there was a past due balance on my account. The agent refused to answer any questions or provide any assistance until the past due was paid. 

I checked my email, and the first notice of my loans going into repayment was on XX/XX/XXXX with a due date of XX/XX/XXXX, the next day. 

After seeing the emails, I contacted Navient via the email provided on their XXXX account asking why there was only a 24 hour notice of repayment starting. I did not receive a response, but I was sent another monthly statement dated XX/XX/XXXX. 

1 business day is not sufficient notice when loans are coming out of a deferment period.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: CCS Financial Services, Inc.
State: NV
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:
CREDIT COLLECTIONS SERVICES ( 06 XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$470.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/XXXX I requested online my free credit report from Transunion and was charged {$19.00} for a report that is, by law, supposed to be free. I want my money back. I am not able to get a hold of any service representatives on their Customer Support services. There is no way of actually talking to a human being.

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 monetary relief
Consumer complaint received 2020-08-27
Company: Grant & Weber
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Account states it is in collections. By default it is considered past due. The FDCPA states if an account is in collections there should be NO amount listed as past due only a balance. So why is there a past due balance of {$810.00}. 

This account has failed to provide the necessary documentation to validate this debt. I also requested a copy of a HIPPA release form & they can not provide one. 

I deemed this debt to be unverifiable. 

This is affecting my credit score and hindering me from obtaining new credit.

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 2021-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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'm writing this due to non-compliance with the credit reporting agency TransUnion. They have failed to delete the unverified accounts listed on my account that I have disputed several times with certified letters in the past. I strongly believe that they are in violation of the FCRA laws and by refusing my requests and they continue to violate the laws. I sent them certified letters on XX/XX/2020, XX/XX/2020 and XX/XX/2020. I have requested that XXXX show me how they verified that the accounts on file belong to me and they have not provided me with any documents with my signature.

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 2020-01-28
Company: EQUIFAX, 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 recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-05
Company: JPMORGAN CHASE & CO.
State: NY
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:
XXXX XXXX fraudulently charge my Chase Credit Card of Erroneous amount of {$310.00} for NO evidence of the weight of luggage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: EQUIFAX, INC.
State: MO
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'm respectfully filing this complaint due to numerous of failed attempts in the removal of said account in order to satisfy Section 611 ( 5 ) ( A ) of the FCRA. With all my formal requests I was never provided any verifiable documents that supports company 's claim, therefore according to the above statue my dispute has merits and should promptly and immediately be deleted. 

Accounts as following XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion has not removed 2 inquires from XXXX XXXX after being given documentation from XXXX to remove inquires not authorized.

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 2021-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
In XXXX I sent off a dispute letter to Transunion and I still haven't received a letter with my dispute results back from the company yet. I sent the letter certified this is the tracking number : XXXX, the tracking number states it was delivered XX/XX/2020 2020

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 2018-02-21
Company: Consumer Portfolio Services, Inc.
State: MO
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 have inquires on my report inwhich I have No knowledge of all these inquires occurred on XX/XX/2017 XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
There were three transactions that this creditor called XXXX took out of my account after I had given them notice NOT to over three weeks in advance and they were already in a debt consolidation program with my lawyer 's office. These amounts were all in the amount of {$100.00}. Bank of America credited my account and put a stop payment on this creditor months ago, but now Bank of America is threatening me, a senior citizen on a fixed income, that they are taking back the credit if I don't give them more proof in writing. I have a copy from my attorney 's office that I submitted to them and I am submitting to you showing that XXXX is in this program and should NOT have been debiting my account. Bank of America threatened me if I didn't fax them proof before the end of this week, they would take the money out of my account which I don't have. I faxed them the proof today but felt it necessary to send you this information also because I am having so many problems with this lender.

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 2018-07-05
Company: AFNI INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am putting this company on notice. Just recently this collection agency placed a collection account which belonged to another family member on my credit bureau profile. When trying to speak to them they would not speak to me because it was not my account, I did not open this. It belonged to my now deceased mother. 

It is despicable that companies such as AFNI exist and poison the credit reports of millions of innocent consumers nationwide. 

On XX/XX/2018, AFNI reported that I opened an account on XX/XX/2018 for XXXX that was placed for collection with a balance of {$790.00}. 

I do not now, nor have I ever had a XXXX account. My credit rating is illegally being harmed by the actions of AFNI.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
o Wells Fargo- Staff/Managers/and Underwriter : - if anyone at all ... 
I XXXX XXXX XXXX have FULL AUTHORITY to act on behalf of XXXX XXXX per POA attached, as well as income trust. I also have a vested interest in this property as owner per quit claim deed dated XXXXI do itemize my tax returns as I handle/manage the property for XXXX XXXX and am a fully vested owner, I have the right to claim on my takes and a legal right/duty to collect/pay rent/make repairs etc on behalf of XXXX XXXX for XXXX XXXX . I as owner per my attorney have the right to handle her affairs concerning her HOMESTEADED PROPERTY. We are asking for the 3 month mod due to the back to back hurricane HERMINE XXXX and IRMA XXXX. We deserve this assistance just like everyone else because this was caused by Natural disaster Hurricane IRMA. I  had saved the 5 payments as I was informed not to pay during the review period. ( never believe anything you are told -usually not accurate- think common sense-save the $ ) .Thank XXXX I did save the $ I received as rent as I was forced to make payment today XX/XX/XXXX of those funds for 5 months @ {$3600.00} confirmation # XXXX with XXXX ID # XXXX, after speaking to XXXX XXXX supv . I have waited since XX/XX/XXXX for this mess to come to an end. Still unfair resolve with no end for us. As you are aware the servicing transfer of this loan takes place XX/XX/XXXX and we will be dumped on someone else to sort out the MESS ( bet you cant wait- but this is NOT the end of this I promise you ) as time is of the essence for me to resolve this on behalf of XXXX XXXX and the NUMEROUS months we have been strung along. I have enclosed every piece of documentation available to better assistance you with clarity of the entire picture of what happened. Bottom line I as POA and legal vested owner of the property with XXXX XXXX am requesting assistance for the 3 months we HAD TO use the mortgage payments to repair this property due to hurricane. Your reps told us to repair the property and workout options would be available to bring the loan up to date once it ended. For my loan XXXX not problem streamline mod no doc. For some reason ( more equity I believe ) you refuse to work with us on this loan. Please review all the documentation concerning this loan as well as my loan, which Wells Fargo error on XXXX affected this loan as well. Please contact me @ XXXX. Best Regards XXXX XXXX XXXX POA for XXXX XXXX XX/XX/XXXX. 
** see additional items attached

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 2017-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I paid XXXX XXXX a settlement on XXXX/XXXX/2017 of {$500.00} the have not reported this to all XXXX credit bureaus.

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 2017-08-01
Company: Atlantic Credit & Finance, Inc.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company is continually calling my office : Atlantic Credit & Finance , Inc . XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXXXXXXXXXX If I am ever going to have a chance to pay off debt, I need this job. I need to have this stop immediately, can you please help before I get fired.

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 2017-08-01
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Santander charges high interest rates and daily interest charges and other fees for each day you 're late on a payment. I have paid in 2 years over {$8000.00} that has just gone to interest and nothing to the principal. The vehicle is now worth {$6000.00} and their payoff quote was for {$22000.00}. Their fees are astronomical.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company keeps trying to request a payment on a vehicle that was a total loss on XX/XX/20 and XXXX insurance paid for the car on XX/XX/20 and I signed the title and power of attorney over to them on XX/XX/20 before check was disburse. Prior to this they kept calling said they havent received a check when Im looking at the email the XXXX had forwarded to me to keep for records. Then finally they said oh ok you owe {$560.00} for co-payment. I said my deductible is {$250.00} which it was added in the check because the XXXX told me and send me documentation. So after that each representative kept changing amount after the car was paid off and Gap paid the rest. Help Me. This company is double dipping Credit Acceptance XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI 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 2017-08-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I went into the bank branch to talk to a XXXX in XXXX XXXX, I informed him that I just got a job and that I will be doing direct deposit in to the account that was over drafted, my first deposit was XXXX XXXX 2017. I was paying toward my negative balance they closed my account in the process without informing me when I came into the branch, that it will close if I did n't make the full amount. I talked to them over the phone and they said it was closed because I did n't pay the full amount and that the computers do n't know when someone is making payments toward it so it still will close. I went into the branch on X/X/2017 to open another account they told me it 's now being reported to the three credit bureaus and I do n't understand how if I was paying towards it and they are the ones that closed my account.

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 2017-08-01
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: Information belongs to someone else

Complaint:
I CHECKED MY CREDIT FILES AND FOUND FRAUDULENT INFORMATION I NOTIFIED THE THREE CREDIT BUREAUS AND WAS ADVISED BY THEM TO GET A POLICE REPORT I DID AND MAILED IT OFF WITH THE FRAUDULENT ACCOUNT INFORMATION. THE FRAUDULENT INFORMATION IS ( XXXX XXXX XXXX XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: Experian Information Solutions Inc.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In my Experian credit report my personal information is incorrect, such as my name and addresses.

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 2018-03-06
Company: Coinbase, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
CoinBase is refusing to let me withdrawal any funds. There is {$100.00} in my Coinbase account in USD, and every time I try to transfer it back to my bank, it sends me through a loop that leads me back to square one. On my last attempt, XX/XX/XXXX, rather than transfer money back to my bank, they deposited another {$100.00} from my bank account. I have contacted them 3 times only to get a XXXX we are busy reply. These 3 occurred over the course of two weeks. Still no reply. I am requesting that the {$100.00} as well as the additional {$100.00} withdrawn from my account are returned.

Company response to consumer: Closed with explanation