BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-02
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:
XXXX, TRANSUNION & XXXX  has been reporting fraudulent accounts on my credit report Ive sent all 3 bureaus a demand and comply letter pursuant to 15 U.S. Code 1681c2 - Block of information resulting from identity theft. 

Now this federal law states Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Ive attached a copy my drivers licenses My FTC report And a detailed letter stating those accounts are fraudulent and are not connected to me in no way shape or form and was not authorized by me. So as stated above XXXX  had 4 days to remove those items from my credit report. All 3 bureaus have received my letter through certified mail on XX/XX/2021 or before that date and these accounts are still showing up on my credit report. I want them 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 explanation
Consumer complaint received 2020-12-03
Company: ABA Recovery Service, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive never had a lease with XXXX XXXX. There is a company reporting as a collection on my report named XXXX XXXX XXXX saying that I owe XXXX XXXX money. This is false

Company response to consumer: Untimely response
Consumer complaint received 2021-01-21
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XX/XX/XXXX my insurance company sent a check to Santander Consumer USA for the total loss of my vehicle. The check cleared the bank on XX/XX/XXXX, but was not posted to my account. I called to follow up, and was told there was no check or payment found. I had to provide the copy of the cleared check before they would acknowledge. I later found out that the payment was posted to the wrong account. I was told to give 5-7 days for it to be updated. It has been almost 3 weeks since I sent them the paperwork and they still have not posted the payment. They tell me to continue making monthly payments. My GAP coverage check cleared and was posted XX/XX/XXXX. They still do not have my vehicle deemed as totaled, while interest is steadily accruing on the account. No one has been able to explain why it is taking so long, only that most are working from home and it takes time to process the payment. It took no time to have the check clear the bank, but over a month to have the apply the payment appropriately. It has been a challenge trying to get another car with a decent interest rate with the totaled vehicle showing up with the high amount owed. They have pretty much backed me into a corner, resulting in the purchase of a car with a higher interest rate, because of what the finance companies are seeing. I have been in a rental since XX/XX/XXXX and it is now XX/XX/XXXX. UNACCEPTABLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2021, I was unable to access my online account with Capital One. I have been using the same computer to log into my account and there is no reason for this suspicious alert to be initiated by Capital One. They insist on linking a phone number to your account so that they can pester you with unwanted text messages that the Customer has to pay for. The fact that Capital One does not have email to send a customer a Code for a 2 Step Verification needs to be investigated as well. All credit card companies and other agencies that use 2 step verifications give the user the option to receive their codes by phone or email, After spending nearly an hour on the phone as well as submitting my Identification, Capital One still has not unlocked my online account. Since I pay my bill online and do not receive paper statements, Capital One needs to unlock my account otherwise I will close both accounts. If I am charged a Late Fee because my account can not be paid on time, I will present this matter for dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax ; XXXX and XXXX are incorrectly reporting duplicate medical collections on the following accounts : XXXX XXXX XXXX {$140.00} XXXX  XXXX XXXX {$140.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX {$210.00} XXXX  XXXX XXXX {$250.00} XXXX XXXX  XXXX {$250.00} XXXX XXXX  XXXX {$560.00} XXXX XXXX  XXXX {$560.00} XXXX XXXX  XXXX {$560.00} XXXX XXXX XXXX {$560.00} XXXX  XXXX XXXX {$560.00} XXXX XXXX  XXXX {$560.00} ( Please see pages 23, 24, 25 , 26, and 27 of the attached credit report, along with a spreadsheet with the duplicate accounts. ) This incorrect reporting of duplicate collections is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 )  bureaus to remove these items however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX/XXXX/XXXX and XXXX/XXXX/XXXX I phoned and tried online access with Equifax to try and freeze my credit report on both days. Both on the phone a number of times and by online access I 've given Equifax all my information and I am thrown off the call or the online form with the message that I can not freeze my account. I had no problem doing a freeze with either XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I have been going back and forth with XXXX  since the spring of 2019 regarding incorrect information on my credit card. I met with a financial counselor and was surprised to see that I had no credit despite having my XXXX  credit card for a few years. We looked deeper into the situation and learned with XXXX   that the social security number on file for my account was incorrect. I followed the protocol with XXXX  and submitted all of the information required to correct this. On XX/XX/2019 I even received a letter from XXXX  stating that everything was received I followed up with a phone call and they informed me the information would be updated in 10 days and its been over 10 weeks since.

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 2021-01-21
Company: I.C. System, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had my phone services turned off by XXXX XXXX I had a month to month service no contract and I only had the senior citizen bill for ( XXXX a month no contract ) but XXXX kept overcharging me and taking wrong amounts off the card I payed them with and I had been asking them to stop over charging me they never did so I disputed my XXXX bill and XXXX turned my phone off even though they got my payment for XX/XX/2020. And they lied about not having the money for XXXX so I called my card company AND they said XXXX still had the XXXX payments and then I payed them for XX/XX/2020 and they turned my phone off AND kept my XXXX payment of ( XXXX ) I had them payed up they never turned my phone back on they never porated my XXXX payment they took my money and never turned my services back on! And then while my is off they trying to collect a three month payment from me. I do not have thier services anymore and they been charging me and other customers ( ( 2 to 3 months ahead without even using thier services this is defintely illegal and they sent the bill collection a false bill amount knowing I owe them nothing and knowing they turned XXXX my phone even though I had month my bills for XXXX and XXXX of XXXX 2020 XXXX they kept my whole month of XXXX payment AND did not! Restore my services. This company is a fraud and extremely out of the law and all federal rules policies and regulations I called the collection services and told them I owe XXXX XXXX nothing they took my money mhe bills was payed up with them AND they turned off my services with my bills beening payed up in full! And they sent the bill collection a false bill for services I did not receive and never will. I only had a month to month bill with them prepaid flex services no contract. They needs to be investigated and arrested. Sending false bills to s collection agency and my bill payed in full and they charging me for a disconnected no working phone bill! Now that's fraud scamming laudering and thief and lies. They are straight out thieves and needs to be closed down and defintely arrested AND in prison. You do not sent collections agencies fate bills knowing you disconnected the customer services and keep my payment and never returned it. You all be blesssed in loving XXXX AND OUR loving father our XXXX. Sister.XXXX XXXXXXXX and they are refusing to give me a paper statement for my bills payments and I asked them to email them they still refused and never did sent any. I told them it's my civil rights to request AND get copies of my bills and payments they refused and sometimes they hang up on you and never sent anything.

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 2018-02-05
Company: Westlake Services, LLC
State: SC
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: Other problem getting your report or credit score

Complaint:
I bought a truck financed it through westlake financial there were suppose to report it to my credit every 30 days and never did.I have paid off and still isn't on my credit.I was first asked to send in copy of marriage license ehich i did and then i was asked to send in copy of my drivers license and i did.Now they just offer to send me a letter saying my account is paid un full.Which still isn't going to help my credit score! Last time i spoke with them i was told i have to contact the credit bureau and have it put on there but how thats there responsibility!! Please help get this on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

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 2020-07-05
Company: Fay Servicing, LLC
State: KS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Fay Servicing , LLC has documentation that is not consistent on loan. A letter was attached that had a person name unknown to me XXXX XXXX, from XXXX, GA request for taxpayer with the loan # XXXX, the loan # created by Fay Servicing , LLC was XXXX. Also the Investor info is not consistent mentions XXXX that is affiliated with XXXX XXXX XXXX XXXX. XXXX XXXX is still trying to collect on the account and XXXX XXXX was the Investor backed by the government. Data breach has been involved ( see attached document ). My loans has been mixed up and when I call XXXX XXXX they still can see the loan Home Mortgage # of XXXX on file, they are acting as investors as well as services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: Brelvis Consulting, LLC
State: MT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
On XX/XX/2017 I called the Department of Education and got transferred to a line that checked whether I qualified for any full or partial loan forgiveness. I was told I qualified for the 'best program ' of partial forgiveness, a 'revised pay as you earn ' plan that would be based on 10 % of my income, to be re-evaluated every year, with payments starting as low as {$12.00} a month, for 20 years. After 20 years the rest of my debt would be completely forgiven. The suspicious piece is that they asked for a payment of {$590.00} for the legal fees associated with taking over my loans - when I asked whether that made my loans private, they said no, and when I asked if this was directly affiliated with the Department of Education, they said yes. I talked to XXXX XXXX. I said I could not pay the {$590.00} today ( which they asked me to pay immediately ), and they said I could pay in installments of {$150.00} today, then 4 monthly payments of {$140.00}. They have since taken {$150.00} and 1 payment of {$140.00}. They then emailed me documents to sign, asking for the first 2 pages of my tax return or last 2 pay stubs, a notarized limited power of attorney, and an authorization for release of information, which I have not signed or returned as I am afraid I have been scammed and do not want to use this service. This is all from the Student Loan Help Center, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX. Upon researching them more, they are not a recommended avenue for student loan management, the " Student Loan Help Center '' is a fictitious name for Brelvis Consulting LLC.

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 2020-12-03
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There is an account reporting on my credit file that came from a place called XXXX XXXX. The collection company keeps reporting it with a new open date and reaging the account This National Credit Adjutsment place. That is illeagal

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I dispute the collection agency online with XXXX and they sent back verified with updated information. I sent a debt validation on XX/XX/2021 to Credit Control with no response. Then I sent another pay to delete letter to them on XX/XX/2021 and still no response from the collection agency. Today, I am sending out letters to the all three credit bureaus to see if they can provide more information because I am not getting any answers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I used to own a house and unfortunately I had to rent. I ca n't live in there because of my job requirements ( I had to move to get a job when I got laid off ). The house is rented and I manage the property. The house living room developed a water leak issue due to a broken gutter. Additionally I needed mold inspection and ESTIMATES to be delivered to ensure a safe environment for my tenants. My tenants contacted a company called XXXX XXXX XXXX that did the inspection ( which I paid for ) but never gave me an estimate on the work required. I called them multiple times but did not receive any paperwork or verbal estimate. My tenants also claimed that they did not have an estimate. At some point they came in to do the work ( I kept calling ) despite the gutter not being fixed. Note - the gutter was NOT fixed and the mold could not be effectively fixed ( water still leaking ). XXXX XXXX eventually left without doing the work. Finally after the gutter was fixed, I asked them to come in and they told me that I have to pay the full amount because they had already come in and attempted to do the work. Note - the work was never done. Now they have submitted a claim to the collections agency which will hurt my credit and financial status. My tenants have left and are not claiming any responsibility. I was never sent any estimates or contacted about the work. In short I never approved any work, nor did I receive estimates, nor was the work completed. Instead I am stuck with a payment for a service I did not incur and benefit from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: EQUIFAX, 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:
all filed ftc remove the attachment Report Number : XXXX Date Generated : XX/XX/2020 print iconPrint Your Report Potentially Negative show tooltip button XXXX/XXXX/XXXXDetails XXXX XXXX XXXX XXXX XXXXDetails XXXX/XXXXUnder Dispute XXXX XXXX   XXXXUnder Dispute XXXX XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXX XXXXDetails XXXX/XXXX XXXX   XXXXUnder Dispute XXXX XXXX XXXXDetails XXXX XXXX XXXXDetails XXXX/XXXX XXXXDetails XXXX XXXX XXXXDetails XXXX XXXX XXXXUnder Dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: Square Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Make a purchase of an XXXX XXXX XXXX XXXX XXXX in Offer Up and pay for it through cash app, today I received the package, inside came an empty box. The person I pay through the cash app is called XXXX XXXX. I have your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I am not able to withdraw my funds and close the account. I get error message and XXXX   refuses to address the issue. I have too many emails to the executives of the company to attach as well as to the help desk.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
Company: Winklevoss Exchange LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I have an account with XXXX, a cryptocurrency exchange. 

In early XXXX I noticed a possible security breach related to my 2 factor phone settings. As a response, Gemini froze my account. 

Since then, after 3 separate support tickets and 6 emails bumping them, they have had zero response, and have not taken further steps, including to unfreeze my account. 

I have asked them for status updates and to unfreeze my account so I can at least transfer my money and shut down the account. This is unacceptable.

Company response to consumer: Closed with explanation