BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-23
Company: CREDIT ACCEPTANCE CORPORATION
State: NV
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 XXXX XXXX**** Balance Owed : {$460.00} Chargeoff XXXX/XXXX XXXX**** Balance Owed : {$0.00} Chargeoff XXXX XXXX XXXX XXXX**** Balance Owed : {$17000.00} Chargeoff CREDITACPT XXXX**** Balance Owed : {$18000.00} Chargeoff XXXX  XXXX XXXX XXXX**** Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX XXXX**** Balance Owed : {$700.00} Collection Chapter XXXX Bankruptcy Discharged XXXX Chapter XXXX Bankruptcy Dismissed XXXX These accounts are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under may name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2020-12-23
Company: Experian Information Solutions 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 discovered inquiries on my credit and XXXX XXXX report that aren't mine. I never applied for alot of information being reported, as well as, I never had a XXXX XXXX XXXX bank account. So much is inaccurate on my reports that I don't have the slightest clue on how to get all of this off. Clarity Services shows up alot on my reports and I don't who they are either.

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 2022-01-12
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am fully aware of my payment history with Toyota financial services. My biggest complaint with this reporting to the CRAs is the fact that I did make a payment in person with cash on XX/XX/2021 that payment is the payment that was in place for the XX/XX/2021 payment. The payment made on XX/XX/2021 was not made on XX/XX/2021 it was received by Toyota XX/XX/XXXX and I am being penalized because the payment wasnt processed by XXXX Toyotas stating that I made a payment on XX/XX/XXXX, I did not make any payment on the XXXX of XXXX. That payment was made on XX/XX/XXXX as there were issues with my bank account. There is nothing in Toyotas terms and conditions that states the process for making a cash payment or payments made outside of XXXX payments. A payment for XXXX was PAID in CASH on XX/XX/XXXX before XXXX XXXX which is my deadline and I provided proof of payment. I am not responsible for processing time from Toyotas payment partners and lack of instructions for those who chose to NOT make payments directly through XXXX. The payment proof is the receipt provide as its postmarked/dated and time stamped with the correct payment date. It took a total of 4 business days to process this payment which I am not liable for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 spoke to the credit bureau about the issues that needed to be fixed. I sent in everything that they asked for several times for months. The items are still showing. I am again sending what they asked for. It has been going on for months.

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 2017-08-04
Company: Experian Information Solutions Inc.
State: AL
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 made attempts after attempts to get midland funding and XXXX XXXX XXXX off my credit report. It make no sense I have sent proof and as a consumer my rights is taken away ... these buresus should be ashamed for letting a company do this ... i have been challenged these inaccuracies for months even after I sent in proof nothing has happen.How can a person send in proof and they so nothing to an account..sad is what these companies is.Two companies can not collect on the same debt and I have sent proof many times.

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 2019-08-19
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have requested, in a letter sent by mail, that this collector ONLY contact me via postal/snail mail. They continue to call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-17
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent out a debt validation letter and received a response on XX/XX/2020 they didnt validate the debt the company only sent out a list of the accounts and amount of debt. Than i sent a failure to validate letter i received a response on XX/XX/2020 with no valid information or contract they sent the same letter that they sent on 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 2020-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 a major problem with the credit bureaus. First my data was breached in an XX/XX/XXXX data breach and then someone used my info to get cars, credit cards, student loans, loans, medical care, and many other things in my name. I have filed a police report with XXXX XXXX XXXX and also and identity theft report with the FTC. I also filed disputes with all three credit bureaus and still they have done NOTHING and are trying to hold me liable for stuff I never personally received or authorized myself. There was even names, addresses, and other personal info that is fraudulent on my report as well. I have disputed some of this stuff multiple times and got NOWHERE.

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 2019-08-19
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
- I owed this company for the payment of my car. I have paid them in full the debt that I owed and I have my title to my car. However, they are still reporting to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: Coinbase, Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
My Coinbase account is " Account Restricted ''. Specifically when I try to buy or sell, the following message comes up : " Account Restricted You are currently unable to buy and sell digital currency on Coinbase. Please visit https : //support.coinbase.com for assistance. '' So around 4 months ago when I found out that I could not buy any cryptocurrency because of this, I sent an email to Support, and got automatic response, then I got a real response that they are looking into it. Then a few months later, I got another response that I had to close my Business Account ( as this was somehow linked to my personal coinbase account ). I did this and answered and this was several months ago. All my emails are attached.

Since then the value of bitcoin, bitcoin cash, ethereum, litecoin have all gone down in price. I have been trying to take my money out so I could pay some bills and help my mom who is fighting XXXX. Now it is less value.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
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:
XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2018-07-14
Company: EQUIFAX, INC.
State: FL
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: Personal information incorrect

Complaint:
XXXX XXXX Former Address : XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX I have never lived at this address nor does anyone else. This address belongs to a Drs Office Complex. I have called and complained and was told it would be corrected for over a year now ... and here it still sits. I spoke to them on the phone, corrected this on the phone BUT they want ME to send proof of where I live! I told them to send a letter to THAT address ( which is much easier for me ) and to see that it WILL come back to the sender! OR send me a SELF ADDRESSED STAMPED envelope to me! I'm getting really upset that this hasn't been taken care of in over a year!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Basically my mortgage company sold my loan to another company and my credit score dropped 63 points!! Why? And how is that my fault ... ..? Please advise

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 2020-05-15
Company: Experian Information Solutions 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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$120.00} XXXX  XXXX XXXX {$190.00} XXXX  XXXX XXXX {$72.00} XXXX  XXXX {$160.00} XXXX XXXX   XXXX/ XXXX {$12000.00} XXXX XXXX XXXX {$2300.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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 2018-02-27
Company: EQUIFAX, INC.
State: DC
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:
FRAUDULENT NAMES : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX SOCIAL SECURITY NUMBER VARIATION 1. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: Experian Information Solutions Inc.
State: OH
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 sent certified letters to the credit bureau and haven't received any response from the credit bureau in the last 3 months

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 2018-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 sent certified letters to the credit bureau and haven't received any response from the credit bureau in the last 3 months

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 2019-08-19
Company: Herbert P. Sears Co., Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
HP Sears has reported a medical collection account for $XXXX on my credit.  I have NEVER received any written notice, phone call or anything about this bill and it seems extremely odd considering I have 3 medical plans that cover me.  1- XXXX, 2- XXXX XXXX, 3- Veterans Administration.  They have made no attempt to contact me regarding this so I don't even know who the original creditor may be.  They have made zero effort to validate this debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
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: Old information reappears or never goes away

Complaint:
On 3 separate occass6i have contacted all 3 credit reporting agencies to have negative information removed. Each time they have removed and sent me clean copies. When asked what explanation constitutes having to call them every 30 days to do som6over and over again is unfair to everyone, including workers. I spend and average of 2 hours while they correct. This is ridiculous. What can be done to remove in final. I feel that it is discriminatory and am attempting to pursue the l

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 2020-10-26
Company: Advance America, Cash Advance Centers, Inc.
State: PA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Advance America has received notices from me to stop contacting them through here once or more than through my debt consolidation company, they need to stop with these threats!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020 I sent a dispute letter to XXXX XXXX and all 3 credit bureaus regarding a collection/charge-off. The account is posted on my report twice. XX/XX/XXXX and XX/XX/XXXX is together on one file while XX/XX/XXXX is being reported on another file. All together the account has a total of 5 inaccuracies. It is well over 30 days and the account still has 5 inaccuracies and it hasn't been updated or removed

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 2020-05-15
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$120.00} XXXX  XXXX XXXX {$190.00} XXXX XXXX XXXX {$72.00} XXXX XXXXXXXX {$160.00} XXXX XXXX   XXXX/ XXXX {$12000.00} XXXX XXXX XXXX {$2300.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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 2020-08-31
Company: ALTERRA GROUP, LLC
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My realtor got in contact with XXXX XXXX XXXX to let her know I needed my credit score checked by XX/XX/2020 to prevent the hard check from lowering my score and instead have it be added to all the other credit checks I've ran to qualify for a mortgage. I submitted my application on XX/XX/2020 at XXXX XXXX and called Mrs. XXXX at XXXX. She immediately told me my score would be lowered regardless of when it was ran and also that she never received my application or even knew who I was. She was very rude and unwilling to explain anything to me. Her attitude was unnecessary and she made it seem like I was bothering her. I don't understand why she was not interested in hearing from a potential client. But I would like to report her.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: EQUIFAX, INC.
State: AL
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:
File dispute with XXXX XX/XX/XXXX Contacted Wayfair XX/XX/XXXX Contacted XXXX XX/XX/XXXX Derogatory reporting of past due account made purchase via XXXX promotional offer ... ... Payment XX/XX/XXXX days same as cash ... .payment was made within this timeframe. Payment was not late. Bill for item was deem cash payment within 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
File dispute with XXXX XX/XX/XXXX Contacted XXXX XX/XX/XXXX Contacted XXXX XX/XX/XXXX Derogatory reporting of past due account made purchase via XXXX promotional offer ... ... Payment XX/XX/XXXX days same as cash ... .payment was made within this timeframe. Payment was not late. Bill for item was deem cash payment within 30 days

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 2019-08-19
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't owe this money It has been disputed and I have not received a response.  It continues to show up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: Gurstel Law Firm, P.C.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Gurstel law firm  continues to send request to pay alleged debts that were due to fraud including amended complaint to the XXXX  DISTRICT COURT in XXXX  UTAH. XXXX   XXXX has all the police reports and FTCID theft reports XXXX. DELIVERED XX/XX/2019

Company response to consumer: Closed with explanation