BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-28
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
LVNV funding or XXXX XXXX XXXX XXXX can't be verifiedwhich company owned this debt. When disputed with LVNV funding they told me to reach out to XXXX & XXXX .This company took {$280.00} out my account. Balanced never change. When I dispute to verify the debt I was threaten a second time with continuing garnishment letters. That took {$80.00} dollars out my account to stop garnishment. I disputed to see documents of original creditors but none was provided. I feel like my fair credit rights are being violated and retaliated due to my dispute to verify original documents from original creditor with original contract and signatures.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have been a victim of identity theft

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 2020-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Cap One-My name is XXXX XXXX-XXXX. I have two accounts ending in XXXX and XXXX. The last four of my SS # is XXXX. I am writing to dispute the late payment reported by Capital ONE I have been impacted by XXXX. Not only did I have the XXXX  and was in the hospital for a long time, I lost my job. I spoke with Cap One and was advised My payments were deferred until XXXX 2020. I get a credit alert and they have reported me as past due. This is a VIOLATION OF THE CARES ACT AND THE LATE PAYMENT NEEDS TO BE REMOVED! THEY NEED TO CORRECT MY CREDIT REPORT AND REMOVE THE ERROINIOUS LATE FEES!!!!! I was told I was provided protections under the CARES ACT and they failed to adhere to what was offered to me! No one has called me from Cap One before hitting me with late credit reporting! I received no written notice or terms of the deferred payments/forbearance plan. All I had to rely on was what the Rep told me. I thought I was protected until XXXX. They need to make this right, AND COMPLY WITH THE CARES ACT AND FIX MY CREDIT REPORTING AND REMOVE ALL LATE FEES CALL ME ONCE THAT IS DONE!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: EQUIFAX, INC.
State: TN
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 am submitting this CFPB complaint in response to the recent investigation. I do not agree with the findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking the Credit Bureaus for more information regarding these particular items in question : XXXX XXXX XXXX Balance Owed : {$320000.00} XXXX XXXX Balance Owed : {$9.00}. The dates of missed payments reported by these accounts are flagrantly incorrect. I have submitted concrete evidence that clearly demonstrates the inaccuracies in the reported dates. In accordance with the Fair Credit reporting Act, I demand the Credit Bureaus to fix the error on the payment history and update the account for lawful accuracy. As previously stated under provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please reinvestigate and update or these disputed accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am requesting that the following inquires are removed from my credit report as a fraud alert was placed on my credit report and that EVERY creditor must contact me before either offering credit, and/or running my social security number in the first place. 



I was not contacted by the following creditors under this stipulation to be notified first and these inquries need to be removed immediately : 1 ) Experian XXXX XXXX XXXX 2 ) XXXX XXXX XXXX- XX/XX/2022 3 ) XXXX XXXX XXXX- XX/XX/2022 4 ) XXXX- XX/XX/2022

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 2023-03-15
Company: Winklevoss Exchange LLC
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
The online cryptocurrency exchange Gemini has frozen my account and is refusing to release the hold on my account. I am unable to withdraw my usd funds and my crypto being held on the Gemini exchange. Gemini has made me jump through hoops to prove that my account has not been compromised. These hoops include changing my password, and sending them a photo of myself holding my driver 's license. I have done all that they ask and they are still continuing to hold my assets XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: Credit Karma, LLC
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2023 I received a guarantee offer from credit karma stating that I had outstanding odds that Ill be approved for receiving a credit card. It stated that if I was denied I would receive {$50.00} within 60 days. I applied for the card believing in the outstanding odds or exceptional odds only to be denied and my credit score was affected. I received and email the same day about the denial and that I qualified for {$50.00} just follow the steps to accept it. I did what the email stated and was told Ill receive {$50.00} pre paid or gift card within 60 days and havent yet. I contacted credit karma several times after the 60 day mark and each time they stated let the investigate the matter. I sent email confirmations of the offer received from them, the date, and the company to which I was denied. All Ive gotten is the run around or no response after they so call stated they was sending it to upper management. I was even told Ill have to contact the company XXXX about the {$50.00} because it would come from them. I contacted the company and they stated they had no information about me nor no information about a gift or pre paid I was said to receive. Credit karma is doing fraud practices by luring consumers inti applying for a card and stated the will be approved and if not they will be guaranteed to receive and {$50.00} offer. Then they act as if they do not know anything about it after your credit is ruined by their false advertising and putting consumers in an even worser situation with their credit for their own personal gain with the credit card companies. Their should be a class action lawsuit about credit karmas misleading practices and I want to be apart of it. Because if they will be dishonest about a situation of such degree involving your credit they shouldnt have a company with the access of millions of individuals personal information because now they arent to be trusted. They are running a scam to get people to apply for credit. My name is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Transunion " investigated '' an entry on my report from XXXX XXXX   XXXX  and verified the information as accurate. This would be fine, only problem is I don't have an account as listed by them so it would be one of two things. A- Transunion did not complete the investigation properly B- They're complicit C- XXXX XXXX supplied them with fraudulent information. I demand a full investigation. I have contacted my local rep and he'll be watching as your agency has dropped the ball to date

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 2023-05-25
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-08
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:
I've been sending the requested information to the credit bureaus regarding my identity theft case but i'm not getting any help.

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 2017-12-16
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On or about XX/XX/XXXX, filed debit card dispute with bank. The dispute was improperly coded by the bank as a cancellation, after speaking with XXXX on XX/XX/XXXX at the bank at number XXXX. I was instructed to fax the bank at XXXX and that I could reassert the claim. This was faxed to the aforementioned number on XX/XX/XXXX. It also included e-mail proof from the merchant stating " in regards to the charge back you have initiated with your bank, you will need to work with them to recoup the funds ''. Please see attached letter and proof submitted with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: The Receivable Management Services LLC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Apparently a Debt Collection company called Receivable Management showed up on my credit report in 2019. I have since been sending the company letter to delete this collections from my credit reports because I have no knowledge of this account and the account is not mine. The collections amount that is stated on my credit report is in the amount of {$360.00} and it says the original creditor is XXXX XXXX. This can not possibly be my account because I am still with XXXX XXXX. and have been for a while. I have tried to rectify the issue with the collection agency with a letter sent stating the issue and asking them to remove this collections account with the credit bureaus but they have yet to rectify this issue.

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 2018-04-09
Company: General Motors Financial Company, Inc.
State: MD
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:
GM Financial continues to report inaccurate information on my credit report. I have filed disputes, left messages, faxed over credit reports as well as bank statements, but to no avail. I continue to get the run around from the credit and customer service dept.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-09
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I currently have a mortgage with XXXX XXXXXXXX XXXX. Which h was GreenTree Financial. In XX/XX/XXXX I.quired to lower my more.thly payments. Found out the diy a loan modification and added {$37.00}, XXXX to my XXXX amount XXXX did a ending mortgage data of XX/XX/XXXX. I did not sign into this contract they have me and my wife 's. Singatures but I would never sign a 40 year mortgage and give them {$37000.00}. I would have took out a second mortage. I have my own notitary to notarize things as our signatures are fuzzy looks photo shopped or something. We started the Mortgage started with XXXX for {$110000.00} back in XXXX now in XXXX we owe " XXXX. We would have known a out this if we did not want to sell our house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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 2023-05-25
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:
to whom may concern, i am unaware of any awares of these so called charges.i am just becoming aware of this charges to my credit account. i dont know who placed it on my account but, i will like it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: EQUIFAX, INC.
State: WA
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: Problem getting your free annual credit report

Complaint:
XXXX XXXX XXXX - I attempted to go onto the XXXX website to obtain my annual review credit reports from XXXX and Equifax. I was able to obtain the online version of the credit report from XXXX with no problem. 
However, when I attempted to get my report from Equifax, it gave me a page that said that " Online Delivery Available - We are not able to deliver your free Equifax Annual Credit Report online ''. There was no reason provided, such as not entering information correctly, etc. Instead, they want me to send them by mail, a copy of my social security card, a paystub with full social security number, or my W2 with a full social security number. I am also to provide a copy of my driver license, or several other forms of identification - EVERYTHIING needed for someone to completely steal my identity. I 'll be damned if I am going to stick this information in the mail where anyone can steal it. Instead of helping prevent identity theft, Equifax appears to be helping it along and doing everything they can to promote identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: KEYCORP
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I went to XXXXXXXX XXXX from XXXX and had student loans for tuition through KeyBank, serviced by XXXX XXXX XXXX XXXX from XXXX through XXXX. In summer XXXX ( XX/XX/XXXX ), KeyBank switched servicers from XXXX XXXX to XXXXXXXX XXXX XXXX. At that moment in time all student loans ( different years / semesters ) were paid on time and paid ahead. All payments from XXXX to XXXX were made on time and for an amount above the minimum payment required resulting in paid ahead balances. XXXX had different privacy policies than XXXX XXXX that I was not familiar with. In the communication from KeyBank, I was told my accounts, login ID, passwords would not change. And that was true. I continued to login with the same ID and password and make the same monthly payment as had been for the past 10 years. In XXXX/XX/XX/XXXX, XXXX reached out saying I did not make a payment on my student loan. I checked my bank account and money transferred from my bank account to XXXX for the same amount as had been for the past 10.5 years. XXXX / KeyBank reported this to the Credit Agencies taking my Credit Score from just above 800 down to about 710. Eventually, XXXX and I were able to determine that XXXX had different privacy settings than XXXX XXXX and that had led to the payments ( {$600.00} per month for 10.5 years ) to not be applied in the same manner than XXXX XXXX had applied them. This caused one of the loans to not be receiving part of that {$600.00} payment. The remainder of the {$600.00} payment I continued to make was being applied to paid ahead balances on the other loans while letting this one loan go into default. Through all of my communication with XXXX they agreed they were in error and would fix this. However, it was never done. I was continually spun in circles. It was eventually escalated to KeyBank executive offices ( XXXX ) who did a review and said that I never made a payment on that loan and therefore it was in default. Subsequently, the following month I made the same {$600.00} payment and the {$850.00} balance of the loan went to {$0.00}. XXXX moved paid ahead balances from other loans to that loan to pay it off and then close it. I did not request XXXX to do that action. When I followed up with XXXX to ask how that happened the service representative was not able to explain how it happened and said that it shouldn't have. If XXXX had that capability then why would they have not done it before putting the loan into delinquency. I have been in communication with XXXX and KeyBank for the past three ( 3 ) months and have continued to just be spun in circles. I don't know where to turn to at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: ALLY FINANCIAL INC.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I had a loan with Ally lending I wished to pay off. I called to inquire about a pay off amt to which refused to give me. I told the financial person at my credit union so she attempted to get the pay off amt, only to be refused. She then calculated a pay off amt from a monthly statement and sent that to Ally lending. Ally confirmed receipt of the pay off, but claimed I still owed them {$380.00}. I called Ally and told them I did not owe them any money because they refused to give both me and the lady from the XXXX XXXX a true pay off amt. Ally then continued to send me monthly statements for the amt but was adding on all sorts of charges. They also sent this to a collection agency. This it in a very abbreviated statement.

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