BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-25
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
Contacted the company regarding my credit and they sent me this letter voluntarily. Sent it to all 3 credit bureaus and they sent back letter stating verified/updated when i want the account removed as per letter they stated they would dismiss. I called Credit bureau and was told they reached out to company and was told account was acurate and they werent removing account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Several years ago, I Obtained a loan from Capitol One Bank for the purchase of a used car, with " automatic payments '' taken monthly from my XXXX XXXX XXXX Account. The payments have always been " auto pay ''. One month, they did not take a payment and continued on taking payments, the next month, until XX/XX/XXXX. So account is current. Bank statements show payment on 2nd of each month since I have had the loan. No LATE Payments. Ever. They told me to request investigation but it takes a couple of months to do an investigation and I'm interested in purchasing real estate at this time. The Credit Bureau shows 5 or 6 months of consecutive late payments which is impossible since Capitol One deducts payments on the 2nd of each month. I just found this out when they pulled my credit report. Bank shows all payments to Capitol One by 2nd of each month for the duration of this loan, to this date. Please help me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Experian Information Solutions Inc.
State: WI
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:
Had 2 credit cards from XXXX Experian lowered my score so I called to find out why,,,, the representative said because I used XXXX $ of credit on a credit card that had a balance of XXXX . I ask how can I have no late payments, XXXX $ of unused or available credit and have my score changed from XXXX to XXXX. This was 2 years ago I asked her for a supervisor or complaint department. She put me on hold for hours and would then hang up when I called back she gave me a fake reporting email. Since then either my husband or myself always have a negative score from experian. Now we would like to refinance with the current low interest rates. But experian gave refinanced company a very low score. Said that to many credit inquiries for the month. My husband has not had 1 credit inquiry except for the refinancing. Many time the score at experian. Reports that we owe 2 more then we owe on our credit card and then the low score. 2 years I have been putting up with this because of disagreement with experian representation. Fead up

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: BSI Financial Holdings, Inc.
State: OH
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The debt was paid in full as stated in amended notice of dismissal filed by BSI Financial Services attorney in case XXXX enclosed as an exhibit in this complaint. 

The debt was agreed on a balance not to be less than {$25000.00} to BSI in a agreement to settle the debt which was the amount of the reaffirmed bankruptcy agreement signed by the investor and creditor in case number XXXX in the United States Bankruptcy Court XXXX XXXX of Ohio. 

BSI agreed to the amount of no less than {$25000.00} in the contract and there were no other numbers or figures listed in the agreement of money still owed of any amount or forgiveness of debt. BSI has now sent the IRS a XX/XX/XXXX 1099-C in the amount of {$13000.00} debt discharged also showing {$2500.00} in interest payments made by me on the loan. This amount is not a true FACT as per the courts finale amended notice of dismissal in case XXXX the loan was paid in full by BSI own lawyer XXXX balance owed. As per the contract signed and agreed on with BSI I paid them {$25000.00} which was the original reaffirmed amount from XX/XX/XXXX four years prior. The FACTS show that per the court dismissal the loan was paid in full. This 1099-C is just an attempt of BSI or the investor of that loan to try to defraud the IRS by submitting a 1099-C for what could only be discharged bankruptcy debt from the loan cram down which would be illegal and I will have no part of it.

I have also included as an exhibit the case at which BSI lawyer petitioned the courts for the amount of only {$22000.00} which was not the amount of {$25000.00} that I paid if you were to take the interest showing in the 1099-c in the amount of {$2500.00} plus the {$22000.00} it would be {$460.00} more than BSI stated was the less amount that they would take.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
These are not my accounts nor did I authorize these companies to run my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
pulled my credit to myself for the first time in 6 years and seen many accounts that were not mine. i never applied nor seen any of these accounts.These accounts need be removed as soon as possible.

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 2023-02-21
Company: Central Portfolio Control Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I send a intent to vacate notice from apartment-moving out date was XX/XX/XXXX. 

On XX/XX/XXXX I was contacted via phone & made aware for the first time that I had debt from previous apartments that I had moved out from on XX/XX/XXXX. I informed debt collector that I needed written notice/validation notice from them Central Portfolio Control. Male didnt respond to my request & hanged up. 

On XX/XX/XXXX, I send Central Porfolio Control a letter with certified mail receipt-requesting written notice/validation from them. I have not received notice. 

On XX/XX/XXXX, I also send XXXX XXXX a letter with certified mail receipt requesting my deposit which they failed to return based on lease & requesting itemized notice of debt they are claiming I owed as I never received either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: Receivable Recovery Services, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RECIEVABLE RECOVERY is reporting a debt I do not owe them to all three credit reporting agencies. I have asked for proof that I owe them but to date they have not furnished that to me. Despite this they have continued to report this false information. acct XXXX if this is not corrected I will be seeking legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
After having problems with Coinbase myself and reading online that many others have experienced a plethora of problems as well, I decided to sell all btc from my account. I did so on XX/XX/26. I was not and am still not able to withdraw that money off of Coinbase and send it to my bank. I sent an email to Coinbase which has not been responded to other than an auto-email. The app shows that I have USD in my account but when I hit the withdraw button it then says there is {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ocwen loan, the owner of my mortgage stated I did not have insurance on my condo. I pay monthly condo dues that include insurance. The insurance is through XXXX XXXX and has not changed in years. Ocwen, out of the blue and unfairly, is stating I must pay them for insurance. I notified them in XX/XX/XXXX and they were rude and did not care about this and only wanted me to pay the arrears. I have not missed one of my {$300.00} payments. I additionally have a cease and desist order on file and they have continously harrassed me with calls to my cell phone.

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 2020-12-01
Company: EQUIFAX, INC.
State: MI
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 TRIED SEVERAL TIMES TO GET THESE FRAUDULENT INQUIRES OFF MY EQUIFAX CREDIT REPORT, MY IDENTITY WAS STOLEN DUE TO THE EQUIFAX DATA BREACH, I FILED A POLICE REPORT, AND FILED A FEDERAL FTC REPORT, THE FRAUDULENT ACCOUNTS WERE REMOVED FROM MY CREDIT REPORT BUT NOT ALL OF THE FRAUDULENT INQUIRES, XXXX/XXXX, XXXX, XXXX/XXXX/XXXX, I HAVE BEEN LIED TO NUMEROUS TIMES FROM REPRESENTITIVES FROM THIS AGENCY STATING THAT THEY HAVE REMOVED THE INQUIRES, OR THAT THEY DONT SEE THE INQUIRES, BUT YET AS OF TODAY THESE INQUIRES STILL ARE REPORTING ON MY CREDIT REPORT,, I WILL ATTACH MY FTC REPORT, AND POLICE REPORT TO SUPPORT THESE CLAIMS, MY RIGHTS HAVE BEEN DENIED TO ME BY THIS AGENCY, I AM ALSO AN EQUIFAX PREMIUM MEMBER WHO PAYS FOR IDENTITY THEFT PROTECTION, YET WHEN EVER I TRY TO GET HELP FROM THIS AGENCY, I GET TREATED AS IF IM THE ENEMY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: FORD MOTOR CREDIT CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I called CFPB today to make sure we could file a new Complaint based on new and compelling information I received today, XX/XX/2020, and the CFPB Representative assured me we could and that this information was not previously considered or known. 

On XX/XX/2020, I researched and found that Lincoln Automotive Financial Services ( Lincoln Financial ) has violated at least one ( 1 ) Code of Federal Regulations ( CFR ). 

The specific CFR is, 34 CFR 682.205 ( a ) ( 1 ) and ( 2 ), Disclosure Requirements for Lenders.

Paragraph ( a ) Repayment information - ( 1 ) Disclosures at or prior to repayment, 2nd sentence reads, " the disclosures required by this paragraph must be made not less than 30 days nor more than 150 days before the first payment is due from the borrower. '' ( 2 ) The lender shall provide the borrower with - ( i ) The lender 's name, a toll-free telephone number accessible from within the United States that the borrower can use to obtain additional loan information, and the address to which correspondence with the lender and payments should be sent ; '' My wife and I have never been provided the required information as described under 34 CFR 682.205 and to date do not even have not been provided an Account Number from Lincoln Financial, and our first payment is due per the Retail Sales Agreement ( Attached ) of XX/XX/2020, which is less than 24 days from today. 

We have attempted to obtain this information by numerous emails thru the Lincoln.com website that this information has not been provided, and the last email and attempt was made on XX/XX/2020 ( Attached ) to provide factual evidence and proof. 

Lincoln has violated our rights as borrowers and Consumers and if they have done this to us, we believe they have done this to numerous unsuspecting Consumers now and/or in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
I reported this card my Capital one card stolen and the account was closed. I was under the impression this issue was resolved and all charges to amde to the account would be disolved/handled by Capital one because they were not charges made by me. Capital one continues to report a charge off the credit bureaus. Ive disputed this as well as written a letter to capital one, but this issue has yet to be resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-21
Company: Experian Information Solutions Inc.
State: PA
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:
This Credit Bureau is reporting several collection against my social security number. I requested full debt validation three times and This company have fail to provide any proof that debt was validated and verified.
The following account have not been validated 1XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX 2. XXXX charge off

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 2023-05-12
Company: EQUIFAX, INC.
State: MO
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 did not authorize them, and they are causing me a great deal of distress. I urge you to rectify this error as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please Delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: EOS Holdings, Inc.
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/ XXXX a collection was added to my credit report in the amt of {$330.00} with a collection agency EOS CA, which dropped my score 100 points. On XXXX XXXX, XXXX, I reached out to the company to see if I owe a debt and what company is saying that I do. Both representatives could not verify an account with me providing my full name and social security number. The last representative XXXX XXXX. ( she could only provide me with the last name initial ) is the individual who stated there was no account in their office.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Bread Financial Holdings, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/20 I checked my account as usually and it started I had XXXX available credit. I paid everything off the previous month so I knew this was incorrect. I called the company and input my information and the automated system said the account was closed. I called back to speak with a rep and I was told they couldn't tell me why the account was closed and that they will not reopen. This is very unfair. I received no letters or anything. I did notice them checking my credit unauthorized and they kept dropping my credit limit. It went from XXXX to XXXX in a matter of months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have disputed with Equifax multiple times a bankruptcy that is reporting on my consumer disclosure report. Their response has been that it is accurate and verified thru a 3rd party furnisher named XXXX. They have not provided any documentation or supporting evidence of this bankruptcy. XXXX does NOT have a bankruptcy reporting on my XXXX consumer report ( see report attached section 8, page 12 ). This is inaccurate and false reporting of a bankruptcy on my credit report. I have also contacted the noted court on my report and they stated they have not reported this item or any item to any bureau or data collector. How is this item being validated, verified, and proved???

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: ERNST, ARTMANN AND ASSOCIATES, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, Ernst, Artmann and Associates reported a collection account for XXXX XXXX in the amount of {$430.00} on my credit bureau file. On XX/XX/XXXX, I sent a letter to Ernst, Artmann and Associates disputing the debt and requesting validation. They did not respond. In XX/XX/XXXX, I sent a certified letter to Ernst, Artmann and Associates disputing the debt again and requesting specific information be provided to me ( see attached ). Again, they did not respond. Pursuant to the FDCPA, they were required to respond to my request within 30 days. To date, Ernst, Artmann and Associates has never contacted me or sent any information regarding the validation of this debt. In XX/XX/XXXX, I became a resident of Florida. Ernst, Artmann and Associates is not a licensed collection agency in the state of Florida ( see attached ). Additionally, they have violated multiple FDCPA laws. Ernst, Artmann and Associates has a history of complaints at the CFPB of violating consumers ' rights by not conducting business practices in compliance with federal and state laws regulating consumer collection agencies. I am requesting that this company be investigated and that the account be deleted from my credit bureau file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: JPMORGAN CHASE & CO.
State: WI
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I took out a CD for {$10000.00} in XXXX with XXXX XXXX. Interest rate XX/XX/XXXX%. Annual percentage yield XX/XX/XXXX %. Interest compounding daily. I HAVE the original CD receipt and all the original documents from when I took the CD out. In XXXX I attempted to collect my money back, and the bank was sold to Chase Bank. They told me my receipt is in the system that I in fact took out the CD, but because the bank is not required to keep records past 7 years, and the bank changed hands, I could not collect the money from the CD. It was lost! My money is gone. I spoke with a lawyer who advised that if the bank did not turn my CD to the state, and there is no record that I ever cashed in the CD, the bank is still supposed to honor my CD!!!! 

Parties involved are XXXX XXXX at XXXX XXXX - Wisconsin who I took my original CD out with in XXXX. On the CD it lists XXXX XXXX XX/XX/XXXXXXXX, XXXX and the date I created my CD XX/XX/XXXX. 

I filed a complaint with XXXX a manager at the main branch who took over the old bank branch in XXXX XXXX. His phone number XXXX. He said he would try to look further into what may have happened at the local branch. 

My case was assigned to case manager XXXX Chase Bank branch complaint escalation group you at XXXX extension XXXX and please ( reference case number XXXX ) who advised it was too many years since I took out the CD, the bank wasnt required to keep records, and there was a change of hands. My money is lost. 

I checked with the state. There is no record the funds were ever given to the state. 

A lawyer told me that is there is no record I ever collected the funds, the bank IS still required to honor my CD. 

Please help!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Shellpoint Partners, LLC
State: SD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have contacted Shellpoint Mortgaging several times by phone and some email to resolve this issue. I just need the lien release paperwork and title for the payoff off on this mortgage. The buyer 's paid this loan off effective XX/XX/2020. I can not find anyone to contact at this company that will get this resolved for me. I was told on one phone call that this could take 60-90 days, I was told on XX/XX/2020 that the paperwork was going in the mail on XX/XX/2020.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation