BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-30
Company: ALLY FINANCIAL 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:
I have an auto account with Ally Financial. I have received 30 day late payments on my credit report on three occasions. My payment is due on the XXXX, XXXX or XXXX of each month depending on the month. 

I was having some problems receiving statements and spoke to a customer service representative about this. I was not quite sure when my exact payment due date was and was running late making my payment due to a personal issue. I made my XX/XX/XXXX payment onXX/XX/XXXX thinking XX/XX/XXXX was the due date and that this would get the payment in before I was 30 days late. I was incorrect and the due date was XX/XX/XXXX. I spoke to an Ally representative that understood I had issues receiving my statements and assured me I would not be reported late on my credit. after I was reported late I was assured again by customer service that this would be removed and to date it has not. 

I made sure to get this caught up and always make my payment before it could be marked 30 days late. Then came XX/XX/XXXX, again I am marked 30 days late. I spoke with an Ally representative and they verified that I made my XX/XX/XXXX payment on XX/XX/XXXX. Therefore this payment is not late. Then again in XX/XX/XXXX I was marked 30 days late. An ally representative told me I made my payment on XX/XX/XXXX. I actually have proof that I made this payment on XX/XX/XXXX. Again the payment is not late. 

I am attaching proof of the conversations I have had with Ally as well as copies of the payments which prove I made on time payments in XX/XX/XXXX and XX/XX/XXXX. 

As it stands now I still have not received statements in the mail and I do not have online access to view them. I never know when my due date is because it is an inconsistent day each month. I would like these late payments removed from my credit and my cosigners.

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 2018-01-30
Company: Experian Information Solutions 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:
This is dated from XX/XX/2016 and XX/XX/2016 I had two 30 day late payments, taken out from a account that was under a debit card breach, and I informed them of that.

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 2018-01-30
Company: SUNRISE CREDIT SERVICES, INC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX called me and said they have not received my payment, so i logged in to my credit card companies website to provide them with the date and amount that was paid, and had them open a missing payment case. As soon as i got off the phone with XXXX XXXX XXXX, i called the credit card company and received a unique payment id number and called XXXX XXXX XXXX back and had them add the unique payment id number to their missing payment case. More than a month later, i received a letter in the mail from a debt collector, Sunrise Credit Services, and forward them the same paperwork proving that i had already paid the account in full before XXXX XXXX XXXX sold them a bogus alleged debt. Sunrise Credit Services has still not complied by removing the XXXX, bogus collections account from my credit report as i told them they are required to do by law. I am interested in pressing charges against Sunrise Credit Services for refusing to remove malicious lies from my credit report.

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 2021-11-09
Company: General Motors Financial Company, Inc.
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have a loan with GM FINANCIAL. I have always made my payments on time yet there was a XXXXdays late state. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE FROM MY REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On Tuesday, XX/XX/XXXX, I received payment in the amount of {$140.00} for goods through Zelle to my XXXX XXXX mobile number. This was confirmed by a text message from Zelle directing me to a website to sign up to access the funds. I considered the transaction complete / successful. 

Subsequently, while attempting to sign up to access those funds, Zelle informs me my XXXX XXXX number is ineligible. 

Contacting both my bank XXXX XXXX ( who provide Zelle with my account ) and Zelle themselves, provide no path to resolution / access my funds. 

How can it be that, a payment can be sent to an ineligible number, a confirmation text message is sent to that same ineligible number, but signing up to receive those funds is impossible?!? If the number is ineligible, Zelle should have indicated that at the start of the transfer, not after it was seemingly completed and available!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: GREAT LAKES
State: SC
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:
MY account had been sold/transferred several times, without any notification, until a collection call would be placed. I would start making payments and then it would get sold again, but the payments i made were never applied because i was sending the money to the wrong company, and when i called the company I thought I was supposed to be paying it to, they magically have no record of receiving payments. I have been lied to repeatedly by Great Lakes, they have theatened to garnish my wages, take my tax returns, and other legal actions. i finally get into a plan i can afford, only to find out it doesnt even pay off my loan like they said it would, it just keeps paying them and never reducing the amount i owe, to the tune of {$13000.00} over the last 4 years. When I call, i get put on hold, or told they dont know whats happening, and they push me into another type of payment plan or forbearance. When i ask to speak to a manager, they never answer, or give me the run around. I cant get out of debt, and Im drowning in it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX, XXXX ( These have numbers where it says account name on my report and I dont understand that ) XXXX XXXX, XXXX XXXX, XXXX XXXX, UNIVERSITY XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2020-12-18
Company: Experian Information Solutions Inc.
State: IL
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 submitted a dispute request on XX/XX/20 to Experian to which I did not receive a response addressing my concerns. I followed up with a second dispute request on XX/XX/20 and still have yet to receive a response. This has been an going issue for the past year. Why are they not being held accountable?

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 2020-05-09
Company: REGIONS FINANCIAL CORPORATION
State: TN
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:
Authorized User on the REGIONS BANK - I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, I am writing to you in order to ask you for help and delete these accounts that are not mine. I think I am a victim of identity theft otherwise I can not understand how come they appear in my credit report, like its super strange. I do not have any contracts or any other agreements with this companies. 

Thank you and I hope you will remove them 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 2020-12-18
Company: EQUIFAX, INC.
State: LA
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:
XXXX XXXX  XXXX should not be on my report. Equifax removed this account and reinserted it with a balance. I have attached my pay to delete letter from XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I paid a state tax lien in XX/XX/XXXX. The amount of the lien was originally XXXX. However, since I had moved the interest had driven it up to XXXX. The later is the amount that was paid to the Georgia department of Revenue. They sent me a letter of Cancellation on XX/XX/XXXX. I sent this letter, copy of cancelled check to Equifax for deletion. Instead of deleting it, they changed the docket number and said that XXXX XXXX is responsible for having it removed. So, I contacted XXXX. Again, was told that it was Equifax 's decision. 
Today I called in to get this removed under the XXXX XXXX of XX/XX/XXXX. The enclosed lien that is filed does not have neither my Date of Birth nor my full Social Security Number on it. I was told that they investigated and the lien stays. He also told me to call XXXX XXXX Superior Court Clerk to get a deletion letter. I called and spoke to XXXX. She told me that they do not do deletion letters and that the letter of cancellation should have been enough to get this item deleted back in XX/XX/XXXX. 
I ask that you please investigate Equifax and their not handling this issue correctly. Please see enclosed lien and other documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: Jvs group
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this claim numerous times to the with XXXX and XXXX. I have received a letter from JVS Group  informing me that I need to quit disputing it because I owe the debt, but I have yet to receive anything to prove that it is my debt. It is supposedly a debt from my local hospital, but my local hospital has no record of this debt that is allegedly owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
Capital one did not notify me when someone maxed out my credit card to {$5000.00} and then let it go over and charged interest and told me i owe them {$5900.00} and i did a fraud packet and they still did nothing when i lost my card in a different state while traveling. Then after multiple attempts and them taking it off my credit report and putting back on its now showing on only 2 of the 3 credit bureaus for mouths now! I reached out to the credit company on XX/XX/XXXX and the company did not respond at all let alone in 30 days which is required by law. I want this whole account removed as its from XXXX and is affecting my life and my familys. Im also law enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I've started two XXXX transfers from my account on Coinbase - XXXX and XXXX on XX/XX/XXXX and XX/XX/XXXX, respectively. Got replies that the transfers are supposed to clear on XX/XX/XXXX and XX/XX/XXXX and both are still missing. The funds are gone from my Coinbase account and have not appeared on my bank account, which leads me to believe that the transfers were never done at all. I have received only generic replies from their support and it looks like nobody is actually dealing with the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent a request for an investigation to TransUnion Credit Bureau on XX/XX/2017 concerning 2 Federal Tax Liens : one in the amount of {$33000.00} and the other in the amount of {$930.00} as well as a Collection account on XX/XX/2017 in the amount of {$1900.00}, as well as the request for removal of numerous inquiries which I have included in the PDF attached. They in turn sent me a letter stating that these aforementioned items were not on my report. I've included the latest Credit Report clearly showing that all such items are clearly there.

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 2020-12-18
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX, XXXX XXXX These have numbers where it says account name on my report and I dont understand that ) XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Rushmore has assumed the loan. We were not aware of who had our loan. Our loan has been passed around. Our loan has gone from XXXX to XXXX and now Rushmore. We have received no statements from Rushmore or information. I had to contact them on XX/XX/2019 for info and sent in a "

Will '' and " Death Certificate. This is whole situation is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
i contacted XXXX  to get this information updated on my account and have disputed this account with the credit reporting agencies. This account shows a balance on it and needs to be updated as paid in full. the accont still shows it is in collections.

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 2020-12-18
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against Enhanced Recovery Corp. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: JPMORGAN CHASE & CO.
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:
My ex wife and I purchased a car through a local dealer and was financed through JP Morgan / Chase bank. The car was in default and charged off. Upon the finalization of our divorce I attempted to provide the court order to Chase which stated that my ex wife was solely responsible for the loan and Chase refuses to accept the document and also to remove the loan from my credit report instead choosing to transfer me between two or three different departments in a round robin. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports The XXXX Credit Bureau is reporting inaccurate information on CAPITAL ONE ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation