BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been dealing with this issue with Equifax for quite some time. I had two accounts opened without my authorization and have sent in all documentation necessary to substantiate this. Yet, Equifax continues to " re-investigate '' these accounts over and over with no result. This has been a huge burden on myself and my family because it is preventing me from purchasing a home. I need these accounts to be deleted once and for all because they are not valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
So this was a debt that was caused by XXXX  ( XXXX ) for not being truthful about the contract that I was in. I paid the {$290.00} dollars for the collection and they agreed to delete it for full payment and it has not been removed in 3 years. I just want it removed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
Company: JPMORGAN CHASE & CO.
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 status incorrect

Complaint:
I currently have an auto loan with JP Morgan Chase and I have automatic payments setup with them. I received a notice from the bank that my auto loan is delinquent for the XXXX and XX/XX/2018 installments. I called the bank on XX/XX/2018 and advised that I have automatic payments setup and that my account should not be in default. The representative then explained to me that the bank experienced system issues with automatic payment system which resulted in my XXXX and XXXX payments to not be drafted. I then paid the amounts due by authorizing a phone payment in the amount of {$780.00}. I did not think much of the credit reporting impacts as they advised that they had payment system issues. I thought that since they made the error, that it would not impact my credit. 

My husband and I recently applied to refinance our home. While going through the refinance process, it was brought to my attention that my auto loan reflected a 30 day delinquency in my credit report. I further investigated the matter by pulling my credit report with the 3 credit agencies. XXXX and XXXX did not report any delinquency but showed a lapse in payment for XX/XX/2018. XXXX   reported my XX/XX/2018 payment as 30 days late. I am attaching copies of my credit report, payment transaction history from my checking account and a screen shot of my chase online banking settings confirming that I have automatic payments setup. 

I do not believe that Chase has treated me nor other customers affected by their payment system issue fairly. I also believe that this is an FCRA violation. The bank made an error which resulted in non-payment and reported my account 30 days late. The bank should have done the right thing and ensured that they were proactive and corrected any negative credit reporting that stemmed from their payment system issue. My credit report should not be penalized due to this bank error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-29
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: EQUIFAX, INC.
State: IN
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Coinbase, Inc.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
https : //www.coinbase.com/ has locked my account & funds stating " my account is under review. '' My account has been under review going on multiple months now. I have verified my identity 4 times using their identity verification process on their website and the account is still under review. I've submitted a ticket, Case # XXXX. It was suddenly closed on XX/XX/27 with stating that my issue was resolved. However, the issue was not resolved. I've contacted their support desk on their website multiple times and they would only reply with " Your account will be unlocked after it has been reviewed. I don't have an ETA for you. Please continue to wait. '' Coinbase won't release my funds either until my account has been reviewed. I have not broke any terms and services and I have not done anything fraudulent nor have I committed any crimes etc. Coinbase refuses to help or offer any assistance with this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-09
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
PayPal is knowingly and willfully aiding and abetting one of its account-holders to perpetrate fraud and evade taxes. On XX/XX/XXXX, I formally notified PayPal ( Dispute Case ID : XXXX ) that one of its account holders named XXXX XXXX ( aka XXXX XXXX XXXX ), who's based in the XXXX XXXX, California and has an active criminal record, is operating an unregistered and unlicensed California limited liability company called XXXX  XXXX XXXX. I notified PayPal that this unauthorized XXXX is collecting donations and fees-for-service via both PayPal and the individual 's own website. The PayPal account link is https : //www.paypal.com/paypalme/XXXX  ( archived at https : XXXX ). And the link to XXXX  own website, which operates as yet another unauthorized business named XXXX XXXX XXXX, is https : XXXX ( archived at https : XXXX ). XXXX previously had another California business called XXXX XXXX XXXX XXXX, which is now in XXXX-Suspended status ( see https : XXXX ). That defunct business met its end when the City of XXXX XXXX sued XXXX on XX/XX/XXXX ( Case No. : XXXX ) for XXXX 's failure to pay more than {$50000.00} that XXXX owed to the City. The City prevailed, winning a default judgment against XXXX for {$57000.00} XXXX ( see https : XXXX [ case index ] and https : XXXX [ case documents ] ). 

In addition to notifying PayPal about the above, I also provided eight independent and credible pieces of documentary evidence proving XXXX was operating multiple unauthorized businesses, with one of those businesses operating on PayPal 's own website. Despite all this, on XX/XX/XXXX, PayPal notified me of its decision to decline my case. To my knowledge, PayPal continues to knowingly and willfully aid and abet XXXX, one of its account-holders, to perpetrate fraud and evade taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XX/XX/2023 I requested the current name of my employer to be updated to " XXXX XXXX XXXX  XXXX ''. 
All three credit agencies ignored my request.

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 2023-04-27
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Synchrony bank has lowered my credit limit on 2 accounts that I have with them. They removed one account from my credit report. These adverse actions have greatly affected my credit score. While, I did receive a notice, the information on the notice is entirely incorrect. The information they say they based their decision on are erroneous. My on time payments are at 100 %. The 3 derogatory or delinquent accounts are >3 years old. Soo they have been and were there when initially approved for both cards. As Ive come to learn, this is a regular practice for this company, which has affected very many people. I would like my initial lines of credit restored to their original limits and I would like this reported to all credit bureaus. Hopefully this will mitigate some of the damage they have caused. I implore anyone to research this company. There a very many complaints regarding this companys practices and how they have affected people without any thought of the consumer.

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 2020-10-28
Company: Experian Information Solutions 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:
On XX/XX/2020 or XX/XX/2020, I went to the XXXX  car lot located on XXXX XXXX XXXX TX XXXX in XXXX Tx with my girlfriend wanting to get estimates on what it would take to purchase a truck with them. We were working with a new sales agent who told us that we could get purchase estimates without having to pull our credit. We said ok cool. She went to speak with her XXXX XXXX whom then came over and told us that they need to pull our credit to get the best estimates for us. We specifically told XXXX that if we were to finance, we would finance through XXXX XXXX or XXXX. We specifically asked that they only run our credit through XXXX. We also specifically asked and verified that there would only be 1 inquiry placed on my credit report. XXXX told us that yes it would only be 1 inquiry. As they went to run my credit, I received notifications from my credit monitoring service saying that my credit has been pulled several times from companies that we never authorized. Not 1 of the inquiries was for XXXX. All of the inquiries were from other unauthorized companies. We never authorized these companies to obtain a copy of my credit report. The unauthorized companies are XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. They apologized for the mistake and basically told us there was nothing they can do. We requested something in writing stating that we did not authorize those inquiries and that it was a mistake on their end but they would not provide that. I would like for these unauthorized inquiries to be removed from my credit report 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 explanation
Consumer complaint received 2023-02-27
Company: Capio Partners, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Fraudulent collection account reporting on my personal credit report is damaging my name and credit. 
{$960.00} amount XXXX account number date opened XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
Company: Army and Air Force Exchange Service
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was contacted by XXXX XXXX XXXX stating I owe a debt for a military star card from XXXX. I know for a fact this is not true because it was paid off through my XXXX  wages. They stated that AAFES sold the debt to them. They are threatening to garnish my wages. I asked them what options do I have and they told me to take a loan out, sell my vehicle, borrow money but either that or they will garnish my wages. I asked for proof of debt and all they sent was a bill from XXXX  for {$700.00} and told me I have to pay them {$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 2022-05-03
Company: ALLY FINANCIAL INC.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a XXXX XXXX XXXX wiith financing through Ally. My monthly payments were XXXX ( est ). i began paying XXXX since XX/XX/XXXX and haven't been late since XX/XX/XXXX and have gotten to where I have XXXX due for months but continued XXXX make payments. Then when I chose to not make a payment. They send a bill for a regular payment. I was curious as to why my XX/XX/XXXX statement had the same remaining balance as my XXXX XXXX had a statement/letter sent back in XX/XX/XXXX and have not received a response yet. I have however continued to make my monthly payments but I haven't received any invoices with as I was before. Nor have I heard anything from Ally in regards to this matter

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 2022-05-03
Company: Galaxy Capital Acquisitions, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is attempting to collect an erroneous debt on behalf of Galaxy International Purchasing , LLC with The XXXX XXXX XXXX  as the original creditor for the account ending in XXXX and the balance amount owed of {$1600.00}. 

I previously disputed that Galaxy International Purchasing , LLC was not my creditor and that no debt was owed to Galaxy International Purchasing , LLC. Additionally, Galaxy International Purchasing , LLC was removed from my credit reports. XXXX XXXX XXXX 's attempt to collect this debt is in direct violation of FDCPA. 

I dispute the entire balance pursuant to FCRA Section 623 ( a ) ( 1 ) ( C ), FCRA 623 ( a ) ( 2 ) ( B ), and FCRA 623 ( a ) ( 5 ) ( A ). Pursuant to FDCPA Section 809. Validation of debts ( 15 USC 1692g ) requires validation of debt before reporting information on my credit file. 

I hereby further dispute the account ending in XXXX with The XXXX XXXX XXXXi and the balance amount owed of {$1600.00}. Wherefore, Galaxy International Purchasing , LLC  is not my creditor and no debt is owed to Galaxy International Purchasing , LLC. I had no prior lender relationship for the account ending in XXXX with The XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: U.S. BANCORP
State: OR
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 XX/XX/XXXX a Lawsuit was filed against me by XXXX XXXX XXXX as the " successor-in-interest to the original creditor, XXXX. Represented by XXXX XXXX XXXX : Attorney XXXX XXXX. 
The lawsuit was for a " Prayer Amount : {$760.00} '' The Summons and court filing was my first awareness of either company. 

After months of paperwork filings and court proceedings ( which I have copies of it all ) a ruling was presented : " The court entered a Judgement - General Dismissal on XX/XX/XXXX in the court register. '' This credit reporting needs to be removed from my credit report. As of XX/XX/XXXX they are still reporting this account. 
In the mean time a new Attorneys Office XXXX XXXX XXXX has been contacting me regarding the same account claims from XXXX XXXX XXXX. So, even after the lawsuit and judgement XXXX XXXX has sent a new attorney to harass me for the same case. 

In calling XXXX ( the reported original creditor ) to get this removed from my credit report following the court ruling, I was informed that they where not responsible for the information any more and to call the debt collector who purchased the account from them, XXXX XXXX. 
XXXX XXXX does not respond to the information and claims that The XXXX XXXX XXXX is who to talk to, and they are unresponsive. 
In calling XXXX XXXX XXXX they are still harassing me for the same case that the court closed. 

I have been getting the run around and passed off by every person ( company ) involved in the situation. I would like for this information to be removed form my credit report as it has been closed by the Circuit Court, ruled in my favor, and all of my attempts at communication have been overlooked or passed on to someone else. 
The claim/account does not have any validity and can not legally keep getting passed to different law firms regarding the same claims. No validating information was ever presented by XXXX XXXX, XXXX, The XXXX XXXX XXXX : Attorney XXXX XXXX or XXXX XXXX XXXX, hence the court ruling in my favor. A court ruling has been decided as " Dismissed '' and all parties need to adhere to the ruling.

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 2021-10-07
Company: Experian Information Solutions Inc.
State: TX
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 have been for over a year now trying to work with the company to have these items that are not mine removed from my credit files and it is now ruining my credit. I received mail with another young ladies name showing that these are her accounts and not mine. Per looking at my credit reports, the payments have been on time and I am not the one that is making these payments! Now since I have had to call each agency to have the accounts closed it has started to ruin my credit. The agency has sent me letter stating that they have asked the credit bureaus to remove the accounts from my file as it is fraud, but the credit bureaus are all stating that the company sent them a statement that the items are mine. These accounts are not mine and were opened fraudulent

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 2019-08-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXXPortfolio RecoveryXXXX XXXX XXXX XXXX XXXXXXXX, Va XXXXXX/XX/2019Re: Acct XXXX XXXX XXXX		Dear: Portfolio Recovery   You are hereby notified under provisions of Public law 95-109 and 99-361, also known as the Fair Debt Collection Practice Act, that your services are no longer desired.Please remove me from you files and or computer systems.Cease & desist all attempts to collect the above debt. Failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and the State of California Attorney General’s Office. I will pursue all criminal and civil claims against you and your company.Let this letter also serve as your warning that I may utilize telephone recordings devices in order to document any telephone conversations that we may have in the future.Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to be by law.Best Regards.XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My vehicle was deemed a total loss after an accident. The insured parties insurance paid market value for my vehicle which included paying the remainder of my loan amount. I submited correspondence from the insurance and myself stating that the payoff included what would have been my last payment ( XXXX ) so there was no need for me to make an additional payment. I electronically signed my portion for the payoff on or about the XXXX of XXXX and the loan was paid off on XX/XX/XXXX. Wells Fargo Auto still considered me delinquent on my last payment.

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 2021-04-12
Company: EQUIFAX, 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:
1. This does not belong to me. 
XXXX  XXXX Please remove it from my credit report. 
Please note, that you only one Bureau who has reported this negative account on my report. I made a copy of my report, see attachment.

The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Company response to consumer: Closed with explanation