BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I check my credit weekly and today XX/XX/19 I noticed that my credit score for all three Credit Reporting Agencies had DROPPED approx. 50 POINTS from the previous week. There was NO DEROGERTY Information since the previous week. As a matter of fact all the information change was POSITIVE. Transunion, XXXX  and XXXX  were all similar results. Additionally, I have never been late on anything ... 

I called Transunion and XXXX  and in both cases the customer service representative was NOT ABLE to make any sense of the issue. 

The gross and incorrect misrepresentation of my credit is a detriment to me in many ways. My occupation, My credit and other things as well. 

The bottom line is ; The credit reporting agencies are not accountable to anyone. Individuals harmed by these agencies can rarely recover anything, and there is nothing that can be done to correct information regardless of weather it is correct, incorrect, inaccurate unless they want to.. 

Transunion, XXXX and XXXX  appear not to care ... ...

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 2017-12-06
Company: ENCORE CAPITAL GROUP INC.
State: CO
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 Wages were garnished and paid. However there is a {$9.00} balance on my Credit Report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-24
Company: EQUIFAX, 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 CAME HERE TO FILE A COMPLAINT AGAINST ALL 3 CREDIT BUREAUS ON BEHALF OF MYSELF BECAUSE THEY HAVE BEEN WILLFULLY NON COMPLIANT WITH THE FCRA LAWS IVE ENFORCED UPON THEM. I'VE KINDLY ASKED THEM FOR MONTHS NOW TO SEND ME FULL NECESSARY VERIFICATION FOR EACH ACCOUNT THEY HAVE SHOWING ON MY CREDIT REPORT. UNDER FCRA 809AB LAWS, THEY HAVE NOT FOLLOWED THOSE VERIFICATION GUIDELINES, UNDER 609A LAWS THEY HAVE NOT PROVIDED ANY ORIGINAL DOCUMENTATION WITH THESE CREDITORS THEY'VE LEFT ON MY REPORT, THESE ACCOUNTS ARENT EVEN MINE. THEY HAVE BEEN DAMAGING TO MY REPORT SO IVE ASKED THE BUREAUS TO DO THE APPROPRIATE DUE DILIGENCE WITH VERIFYING OR DELETING. AND THEY CHOSE NEITHER. SO UNDER THIS SURVEILLANCE, I EXPECT THEM TO NOW DO THE RIGHT THING IN DELETING THESE ACCOUNTS I HAVE LISTED ON THE ATTACHED DOCUMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This agency is currently reporting a debit on my credit report without proper licensing and documentation. I have written multiple letters directly to XXXX XXXX staying that I was unaware of the debt. I was not properly notified before the accounts were sent to collections. It also states in the letter that the information reported is incorrect please validate the debt and stop reporting until the debt is validated by myself/ please delete due to inaccuracy of reporting. Instead of deleting the accounts from my credit report due to incorrect reporting information and no proper notification of debt. They decided to update the incorrect information that was being disputed at the time. 

The state of Texas also requires a license or surety bond for debt collection purposes. National Credit Sysyems is currently collecting on credit report in the amounts of {$140.00} and {$500.00}. The address reported on my credit report is XXXX. XXXX XXXX XXXX, Ga. This company and address is currently not registered to collect from this address in the state of Texas. I would like these accounts to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: RentDebt Automated Collections, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As I already reported via telephone, I am a Victim of identity theft. I have recently learned that my personal information was used to open an account at XXXX XXXX XXXX XXXX. I did not open this account, and I am requesting that the account be closed and that it be absolved of all charges on the account. This account was bought by this Rentdebt a third party, which acquired a debt that was not authorized and is not lawful to pursue action on something that has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: ID
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
Was doing a yearly credit check on XX/XX/XXXX, and found a loan taken out with cash central XX/XX/XXXX for {$3000.00} with an ending date of XX/XX/XXXX for {$4200.00}. I have never taken a loan out with this company. I called cash central, or community choice financial and told them this. They told me the loan was taken out online, and would not give me anymore information on the loan, and told me I need to file police report and send all that information off to them. I never applied for a loan thru them. They never contacted me about the loan thru the mail or by calling me. It just shows up on my credit report. 
This company needs to be shut down with all the fraud and complaints on line about them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
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:
A XXXX XXXX credit card account was opened in my name in XXXX. I had no clue about this account until recently last month. In XXXX I graduated from XXXX XXXX " XXXX University '' and then I moved to XXXX, Virginia to attend XXXX XXXX XXXX, and I wa sliving there for 3 years up unto XXXX. I have recently found out that my indentity was stolen by one of my family members, my sister. We currently have a scheduled court day because I have filed a report on her on our court date is set for XX/XX/XXXX. 
I disputed this acocunt and I told the debt collectors that the account was not mines, and I asked them tp provide me with forms to verify my signature but no one has. This account was opened fraudulently with XXXX XXXX and then sent to collections, and I do not know when it was sent to collections until this year when I pulled my credit. I have since been dispting, but now I have a lawyer who has filed charges against XXXX XXXX, who happens to be my older sister. 
XXXX XXXX XXXX XXXX, VAXXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
There was a recurring fraud charge on my account around XX/XX/XXXX. The charges went on for a few months. After being investigated Capitol One deemed the charges as fraud. They sent a letter saying that all the charges were removed. However, they continued to send me bills thereafter. Confused, because the account should've had a XXXX dollar balance after the fraud charges were removed, I decided to call. We found out that the additional charges were late fees that were due to the fraud charges that were reversed. Therefore, the late fees correlating to them should have been removed as well. 

After disputing it with Capitol One directly I still had no results though they agreed that the charges were from the late fees of the fraudulent charges. I disputed it via XXXX XXXX after getting no results from Capitol One directly. That dispute was also rejected. I have disputed the late fees on the account from XX/XX/XXXX to this day, XX/XX/XXXX. 

I spoke with a representative about 2 weeks ago that assured me that the problem would be handled in the next 5 days as she was escalating the issue. I explained that at this point it has dragged my credit down for months now. It is not currently charged off and I still have no answer and a, now, damaged credit score that is preventing me from buying assets. Please help! I have spoken to about 10 different representatives and I still have no answer or help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-09
Company: Santander Consumer USA 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 information incorrect

Complaint:
I am filing a report against Santander consumer due to account is on my report after it was agreed to be removed on XX/XX/2018. 

I have sent a letter and spoken with several representatives, requesting for them to remove and which they agreed. 

However its still showing and reporting negative on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2018 I visited a Wells Fargo branch at XXXX XXXX XXXX in XXXX XXXX California and submitted a power of attorney my mother prepared for me to manage here finances because she is incapacitated. The bank refused to recognize the POA and cited spurious reasons which I demonstrated were false. I asked them to reconsider but as of today, XX/XX/2018 they still have not recognized the POA. I need access to her accounts to provide for her welfare.

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 2018-03-09
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I wired {$10000.00} from my bank to Coinbase on XX/XX/XXXX, which was supposed to appear in my XXXX  account immediately. Since then, I've called many times, each time they're telling me that a specialist will get back to me. I've also emailed many times to which nobody has replied. I've messaged them all over social media to no avail. It's now XX/XX/XXXX and I still have not been contacted by anybody, not even to say that my case will be looked at eventually. Please help me, that's all the money I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: Experian Information Solutions 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:
I have disputed information on my credit report with XXXX   beginning in XX/XX/2020. This company has failed numerous times to provide the documents required by law to validate the alleged debt in question. They have not provided any signed documents and have sent letters that notify me that they have only contacted the creditor. 

Experian has continued to report this invalidated information with is a direct violation of the FCRA. 

XXXX has continued to report this invalidated information as well.

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 2018-04-23
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: Account status incorrect

Complaint:
I filled Bankruptcy on XX/XX/XXXX, because I had no other option. I was XXXXXXXX XXXX  from the XXXX XX/XX/XXXX. I am XXXX  % XXXX, and could not maintain where I was or what I had. Numerous attempts were made with lenders to help, and none wanted to assist at all. I received negative reports from the accounts. I had XXXX XXXX with my truck that I returned openly. The reason for this is also XXXX is reporting my accounts that were listed on the Bankruptcy as negative accounts when they should be closed, and its affecting my reports. My wife has sent letters to all three reporting agencies, and nothing has changed as of yet. XXXX is the worst, but the other agencies are also not accurate. According to Section 609,611, and 623 XXXX was suppose to notify people about inquires on their report that were added back after they lost them on accounts. What they did is just put them back not knowing if it was correct, and not following guidlines. 

Installment AccountXXXXXXXX XXXX StatusClosed Balance {$47000.00} Credit Limit {$0.00} Past Due {$2000.00} Date OpenedXX/XX/XXXX Monthly Payment {$870.00} Date Closed- ment History 22N/A 1Negative 1Reposession,  Pay Payment StatusRepossession

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 2021-03-29
Company: FC HoldCo LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I purchased a vehicle with XXXX XXXX services in XX/XX/XXXX. I have never been late with payment and payed over, resulting in my $ 462 monthly payment being on {$62.00} the month of XXXX. I purchased a new vehicle on XX/XX/XXXX, the due date of flagship. The loan from Flagship was transferred to capital XXXX that date. XXXX has a questionable reputation, so even though I had already been released from my loan. I paid {$70.00} to ensure I was not hit with a late fee, with the assurance that this would be refunded as my payment was not included in the payout. Not only did they XXXX not return the already paid funds but they are charging for another month. When I called, the representative stated they did not receive a payout when I have the paperwork from XXXX XXXX stating that it has, along with the title of release.

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 2020-05-08
Company: GreenSky, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Toward the end of XX/XX/2020, I called GreenSky to settle an account that I owed {$300.00}. This was for a Rooms to Go account. They agreed to legally settle and update the account status to legally settled for {$160.00}. They accepted the funds, and reported to the credit agencies that the debt remains. On XX/XX/2020, they emailed a misleading pay off letter stating that they forgave in excess of {$600.00}, and the debt remains.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: CAVALRY INVESTMENTS, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To whom it may concern : My name is XXXX XXXX. It has been brought to my attention that I have a judgement against me for a debt that was paid and closed in XX/XX/2008. 

I had a XXXX XXXX XXXX credit card that was not closed properly and remained open over 10 years ago. 

There is no evidence on my credit report showing the history of debt. 

I have contacted the original creditor in which they do not have any information of me on file. I have contacted Calvary Portfolio who is reporting with XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, None of these companies have any information of the debt. 
None of them can tell me or explain the balance history. 
None of these companies are validating the history of the account. 

All I know is there was a balance of {$19000.00} which is now an alarming {$38000.00}. 

No one can tell my why I owe this balance?! 

Please help me investigate this. I am trying to refinance my home and I have great credit but this account came up and stopped me from doing what I need to do. 

I feel stuck and helpless and scared these companies are trying to steal from me. 

Thank you, Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: DISCOVER BANK
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Discover financial services recently requested that I file an IRS form 4506-T to determine whether they would keep or close my credit card accounts, I signed the esign form, as a result, they still closed my accounts stating that they were not able to verify personal information on my account. The will not disclose what information they couldn't disclose, and I as a consumer should know what information it is so I can fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have no debt and these calls are getting very irritating, Keep getting scam calls I talked and reported to trade commission on XX/XX/18 filed claim ref : # XXXX they told me to call you I did same day you told me to call XXXX one more time and try to get it settled, plus get robo call block, I have done everything and still getting calls after calls it gets so bad I have to unplug phone for I live alone and not in best of health, also they refused to give me Internet without phone

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Dear Consumer Fin

ancial Protection Bureau, I have been a banking customer of XXXX  ( BBVA USA ) for almost a month now. After updating our business address to one in which we are able to directly pick up the mail, I requested a business address change earlier this week and submitted our Lease Agreement with it. The business address change was denied by XXXX. I got in touch with our virtual office front desk about which document is the correct Lease Agreeme nt, and they sent me a more recent one. I entered another request for a business address change along with the Lease Agreement, and once again XXXX denied the
address update.

As the old address is neither a business/office location, nor is it being used for business, I would like to make sure that XXXX  is legally compliant and accurate with all federal laws, including Know Your Customer ( KYC ) laws.

Our business address on file needs to be updated so that we can receive important documents such as our welcome kit and also our business debit card.

We have still yet to receive either of these documents. As a result, I would like to report and file a complaint for XXXX  to make sure they are legally compliant. 

Best regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: Perfection Collection
State: IN
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:
XX/XX/XXXX - First time I used XXXX XXXX, I wanted to check my credit score. Everything on my report looks great but I noticed by credit score was down from a year ago. Which I had no idea how? I have never missed any payment and I'm very financially sound. 

XXXX XXXX stated on my report that a company called XXXX XXXX XXXX had an outstanding balance for {$1000.00}. 

I have never heard of XXXX XXXX XXXX. No one notified me that i had any debt, but they are able to take a hit on my credit score? I  called this company and they stated they bought my debt from a security company called XXXX. We ended our contract with XXXX in XXXX. This one man shop is a total scam. Extremely rude.. How is this legal? 

I have no idea how it is fair or accurate to report this on my account 3 years later with zero notification and zero justification. We still have our letter from XXXX  canceling our account because we moved from that location and were not taking the services with us. We also filed a report on BBB for false practices. 

in XXXX we sent another letter to XXXX of cancelation as the new homeowner received threatening calls. 

This collection agency is based in Utah where XXXX  is based out of. 

There are thousand of bad reviews and false practices on this company. Several states have went into litigation with XXXX. 

I am filling a complaint on XXXX  and XXXX XXXX XXXX.

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 2017-12-06
Company: WELLS FARGO & COMPANY
State: CO
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:
Due to Wells Fargo keeping the ID thief 's address and name to themselves for 8 years on my husbands account, the ID thief 's address is now on my credit report. I did not know this until XXXX sent me a copy of my excellent credit record. Perhaps this explains why fraudulent charges began occurring on my now CLOSED WF  credit card. And they are appearing on my 1st Bank statements in which I have to get new cards issued. The USPS delivers mail under my husbands name and now most likely mine to the incorrect address in XXXX, California. I have never had anything sent to me. I did send a notification to the XXXX, California post master general on this date for my husband, but I will have to correct to include my name, also. Wells Fargo denies any further fraud after their investigations. I will forward copies of all of it to CFPB.

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