BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-11
Company: EQUIFAX, INC.
State: CA
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:
I have contacted XXXX Superior Court and they have advised they do not give out any information to the Credit Bureau, I have asked Equifax to Validate where they gotten there information and they can not. I have contacted and disputed several times to have this information that is untrue and incorrect removed from my credit report. This has not taken place and the information remains on my report, even though I have stated that I do not owe any debt or applied for the following accounts. The accounts can not be physically verified and or proof not retained to keep reporting this is misleading or unproven information, especially considering a composed consumer complaint notifying them of said issues so please help to have the information DELETED the following illegally reported allegation here and now : Alleged Account at issue : DISMSD/CLSD XXXX Overview Reference Number XXXX Date Filed Reported onXX/XX/XXXX Responsibility Individual Alleged Account at issue : Reference Number XXXX Date Filed Reported on XX/XX/XXXX Classification Bankruptcy Responsibility Individual U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted all 3 credit agencies by phone, as well as by letter to inform them that these inquiries on my credit report are unauthorized, unrecognized fraudulent activity to no avail of them being removed. I have also contacted many of the companies directly as well to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2019 I was the victim of a computer scam. My XXXX  card was charged {$470.00} by XXXX XXXX. I never bought or received anything by XXXX XXXX. I was forced into this situation by XXXX XXXX at XXXX who fraudulently passed himself off as XXXX Customer Service and who took remote control of my computer. I later found out this number was not XXXX and XXXX never worked for the company. 
I called XXXX immediately after the charge was made to stop it and explained what had happened. I was assured the {$470.00} would be put in dispute status and the matter would be taken care of. I was supposed to get a dispute form sent to me- it never came. I called XXXX again and another dispute form was supposed to be sent to me- it never came. I called again and found out no forms were send to me but that the matter was taken care of because it was fraud. On XX/XX/2019 I got an email from XXXX saying the dispute was closed and the charges were valid. I called XXXX and was told to send a letter to the disputes dept. if I disagreed to reopen the dispute- which I have done. 
XXXX has handled this complaint very badly and ineffectively, never getting my side of the story in writing and lying to me about the dispute forms and about the matter being taken care of because it was fraud. It was bad enough that a scam had been perpetrated but worse that XXXX did nothing about it and sided with the scammer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-11
Company: EQUIFAX, 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: Account status incorrect

Complaint:
On XX/XX/2020, I filed a complaint against XXXX XXXX XXXX ( XXXX ) also doing business as a part of XXXX XXXX XXXX. Please refer to CFPB complaint XXXX. As a resolve to that complaint, I requested the following : " I need XXXX to correct the error to my account to show {$0.00} balance, correct any erroneous information reported to the credit bureau ( s ), and send me documentation designating this account has been paid in full along with the title to the vehicle. '' XXXX did NOT correct the erroneous information reported to the credit bureau ( s ) which caused my credit score to drop 93 points from XXXX to XXXX. I have filed a dispute with XXXX. However, the onus should be placed on XXXX to correct the messes they have created. I should NOT be required to file disputes with all those to whom they have reported erroneous information, especially since I have no idea to whom that may be. I just happened to have the XXXX account and received notice of the error. 

Please help, again. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: Experian Information Solutions Inc.
State: NJ
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 brought my car to a dealership to get fix and used my XXXX XXXX card..The dealership did not fix my car and the problem that I paid for is still not fix to this day..I disputed the charge with all the evidence of this evidence of the problem they were suppose to fix that they didn't ( they were suppose to fix a leak from a convertible car I have and the water was still coming in at the Same place they were suppose to fix ) I even had a license mechanic write a letter stating he seen the water too..I went back and forth with the dispute with XXXX XXXX stating I was not going to pay for something that they didn't fix. ( they wanted me to spend XXXX dollars to go get a water test for more proof ) I said the dealer ship that did the work on the car already did that and stating that is how they find were the water is coming in and fix it so why would i have to put more money out.I sent them again letters from my mechanic etc..The last time I talk to XXXX XXXX I told them I had papers for court and ( I still have the court papers ) and I would take them to court and that was the last time I heard from them and my credit card was showing that I owed XXXX balance..So life went on and I got no bill from XXXX  XXXX..then all of a sudden almost a year goes by and they put that I owe them fee 's that I didn't pay from that car issue and late charges..which i never got a bill..I got a paper in XX/XX/XXXX showing again I owe nothing..Now XXXX  XXXX ruined my credit and I want this off my credit report..Still to this day being XX/XX/XXXX I still didn't get a bill from them..

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 2019-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 brought my car to a dealership to get fix and used my XXXX  XXXX XXXX..The dealership did not fix my car and the problem that I paid for is still not fix to this day..I disputed the charge with all the evidence of this evidence of the problem they were suppose to fix that they didn't ( they were suppose to fix a leak from a convertible car I have and the water was still coming in at the Same place they were suppose to fix ) I even had a license mechanic write a letter stating he seen the water too..I went back and forth with the dispute with XXXX XXXX stating I was not going to pay for something that they didn't fix. ( they wanted me to spend XXXX dollars to go get a water test for more proof ) I said the dealer ship that did the work on the car already did that and stating that is how they find were the water is coming in and fix it so why would i have to put more money out.I sent them again letters from my mechanic etc..The last time I talk to XXXX XXXX I told them I had papers for court and ( I still have the court papers ) and I would take them to court and that was the last time I heard from them and my credit card was showing that I owed XXXX balance..So life went on and I got no bill from capital one..then all of a sudden almost a year goes by and they put that I owe them fee 's that I didn't pay from that car issue and late charges..which i never got a bill..I got a paper in XX/XX/XXXX showing again I owe nothing..Now capital one ruined my credit and I want this off my credit report..Still to this day being XX/XX/XXXX I still didn't get a bill from them..

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 2023-10-31
Company: Holloway Credit Solutions
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
HOLLOWAY CREDIT SOLUTIONS, LLC XXXX XXXX XXXX XXXX, AL XXXX This company is trying collect a debt that I do not owe. The have not provided me with a debt validation letter. They can not prove this debt belongs to me. THEY ARE NOT LICENSED TO COLLECT IN MY State of California.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Coinbase, Inc.
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/XXXX I attempted to reset my XXXX password. XXXX is not emailing me a link to reset my password and I am un able to use my previous password. I have emailed them multiple timesand have filed a complaint with them and they only respond with an automated email. They have not resolved the issue are are not allowing me access to my funds or tax information. They have no live support and I need access to my money and funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My most recent payment of {$9500.00} on XX/XX/2019 and my XXXX loan has been settled in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Maximus Education, LLC dba Aidvantage
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
From the Federal Student Loan Website at XXXX : XXXX " On XXXX XXXX, XXXX, the U.S. Department of Education ( ED ) extended the student loan payment pause through XX/XX/XXXX. 

The pause includes the following relief measures for eligible loans : - a suspension of loan payments - a 0 % interest rate - stopped collections on defaulted loans '' Today, XX/XX/XXXX, I received an electronic communication from Aidvantage - my federal student loan servicer. This letter is dated XX/XX/XXXX, and states as follows : " Beginning on XX/XX/XXXX, a new Auto Pay amount of {$350.00} will be debited from your designated bank account for the student loans listed below. '' A copy ( PDF ) of this letter is attached to this complaint. 

I would like to understand why Aidvantage appears unaware of the CARES Act extension directed by the US Department of Education on XX/XX/XXXX. The letter from Aidvantage appears to be in direct contradiction to the directive issued by the US Department of Education on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
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:
XXXX XXXXXXXX XXXX XXXX  has reported a rental/leasing balance to both XXXX and XXXX they claim to have originated in XXXX. I have contacted both XXXX and Equifax multiple times to dispute this due to the fact that I did not have any such leasing activity in XXXX. Both XXXX and Equifax continued to report back that the debt was valid. I eventually contacted XXXX XXXXXXXX XXXX XXXX to demand back-up records for the balance. They responded and provided me with an invoice from XXXX of XXXX. They falsely represented to the reporting agencies that the debt originated in XXXX. I once again contacted both XXXX and Equifax in XX/XX/XXXX to dispute the charge and provided the invoice proving that the debt in fact originated in XXXX and is well past the statute of limitations to be included on my credit record. Each of them once again represented that the debt is valid and no action was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: Santander Consumer USA Holdings 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: Account information incorrect

Complaint:
someone put a car in my name and i showed police reports to get it removed and all of the credit bereau has removed them except oneXX/XX/XXXX and when i contacted them even tho its pass 10years they said they have to remove it when it was reported to them which would be XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2019 a check in the payoff amount of {$14.00}, XXXX was issued to Barclay Bank to pay off XXXX XXXX XXXX XXXX XXXX account. The USPS tracking showed the check was received in the Delaware processing center on XX/XX/2019 and was negotiation on XX/XX/2019 though XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX Absence of Endorsement Guaranteed Barclays XXXX. The payment was still not applied to the account on XX/XX/2019 so we contacted Barclay for a status. They advised us they would look into the matter. We called again on XX/XX/2019 because the payment had still not been applied to the account and the agent was still unable to locate the payment. We called again on XX/XX/2019 and request to speak with a supervisor who indicated they still had not located the payment, at which time we informed them that we could provide the cancelled check, which we did by e-mail on the XX/XX/2019. We have called every day since XX/XX/2019 and keep being told that despite all of the tracking information, cancelled check and sending by overnight mail my marriage licences and passport ( which they would only accept by fax to a number that is always busy, US postal service or overnight mail ) showing my married name, which they received by overnight mail XX/XX/2019 but still refuse to apply the payment and keep telling us that we can't speak directly to the group that conducts the investigations and that we have exhausted all avenues to getting this resolved sooner than 30 days. Because they have not applied the payoff, we are now forced to make a minimum payment of {$830.00} in order to keep the account in good standing while they investigate. We are also accruing fees and interest on the unpaid balance.

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 2023-06-13
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am XXXX XXXX  XXXX veteran that received the student debt relief and the debt has been removed off of my XXXX but, it is not being reflected/updated on XXXX or Equifax. My overall debt is still showing and reflecting the student loan amounts. 

I was awarded the XXXX XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-09
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried to contact different debt collectors multiple times for a debt that states XXXX XXXX XXXX i have tried to contact the debt collector XXXX XXXX XXXX only to be transferred and hung up on multiple times so I then try to disputed it with the credit agency XXXX and they tell me that they verified the debt and it will stay I can not seem to have anyone tell me what the debt is for yet i to have to deal with the consequences of it is unfortunate and unfair

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 XXXX XXXX XXXX account # XXXX and XXXX Accounts account # 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

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 2023-03-31
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear Sir or Madam Under XXXX Requests for Information, I am hereby writing to you to request specific itemized recorded information about the accounting and servicing of the mortgage and of my need for understanding and clarification of various charges, transactions, actions, payments, analyses and records related to the servicing of my loan of attorney fees as it relates to XXXX XXXX XXXX.. 
I am disputing the validity of the corporate advance debt you claim that is owed for property preservation. To independently validate this debt, I need an itemized breakdown of the services performed linked to the monies disbursed. Also I would like copies of all work orders and documentation of all inspections. The inspection report should be detailed and reflect what services were performed or what was observed. 
I also request that you conduct your own investigation and audit of XXXX XXXX and XXXX XXXX account whether there was actual fraud or work was performed. I need to ensure that the charges and monies disbursed to XXXX XXXX XXXX for approximately {$51000.00} was based on work performed. Please do not rely on previous servicers or originators assurances or indemnity agreements and refuse to conduct a full audit and investigation of my account of monies disbursed or provide justifiable information or itemized breakdown of the services performed. 

I want to ensure that the fees charged were for actual services performed or rendered. As such, please treat this letter as a Request for Information under 12 CFR Part 1024 ( Regulation X ) 1024.36. A servicer must comply with the requirements of paragraph ( d ) ( 1 ) of this section : for requests for information, not later than 30 days and acknowledge receipt within five days to provide a written response acknowledging receipt of the information request. 

/s/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX FL XXXX XXXX

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