BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-15
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: Their investigation did not fix an error on your report

Complaint:
I have tried disputing these several times and cant get them removed. 
Three accounts reporting on my Equifax Credit Report that do not belong to me. XXXX XXXX XXXX / XXXX XXXX XXXX : {$2200.00}, {$340.00}, {$460.00}. Do not belong to me, never been to XXXX County. Tried to dispute these several time, have not had any luck getting them removed from my Report. Please get these account removed from my Equifax Report!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: ALLY FINANCIAL 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 purchased a vehicle on XX/XX/XXXX and requested to be financed through XXXX XXXX. Because they financed my previous vehicle that was totaled on XX/XX/XXXX. I have received multiple notices from financial institutions that were not authorized to access my credit information.

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 2018-05-15
Company: ProCollect, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was informed today XX/XX/18 that I have had a debt held in colllection for 5 months. Today was the first time I had heard the debt existed. I was also not informed that I had a right to dispute. As a result I have 5 months of bad credit reports. According to the company they had sent letters to me since XXXX. They were using an address from XXXX XXXX, who had the wrong box number. I never received these letters. They also said they attempted to call me in XXXX. I do not answer numbers I do not recognize as I receive a lot of telemarket calls. Today was the first time they left a voicemail. I responded immediately. I find their claim of contact very abusive. 

The debt originated from my old apartment run by XXXX XXXX. I had paid a cleaning fee before moving out of the apartment. They had said that the damage in the apartment required additional money. I requested proof as the pictures I was given looked the same as when I had left indicating that the original cleaning fee I paid had not been used. Additionallly, the water heater exploded months prior due to a contractor used by the apartment when fixing a leak that caused a majority of the damage. I sent them a letter contesting their claim. I never received anything back from them. No email, mail, or phone call. I would like the original claim removed and once again the charges on my credit score resolved.

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 2022-12-18
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2018-05-15
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Was charged 18 months of interest, on snowblower that was sold to me as being interest free for 18 months then if we still had a balance after the 18 months I would be charged interest on the balance after that, tryed working this out was told pay the {$1000.00} for snowblower today and they would save me some of that charge, and that when I would pay my payment every month that I should have told them to take it of off the old balance first, so since I did not do this its my problem and owe them that {$560.00} interest, and I could close the account if I didnt like these terms, and could never have a account with them again THIS IS HOMEDEPOT CARE OF CITIBANK

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 2018-12-14
Company: Convergent Resources, Inc.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I submitted a complaint in regard to this company having this bill on my credit report. In my complaint I advised that this was not my bill. I have never had XXXX before in my name. The company sends me a bill stating verification of a bill. This is not a VALIDATION that this bill belongs to me. The bill has a name and an account number. There is no signed contract submitted, there is nothing of personal information that validates that this is my bill. The only thing on this bill is my name XXXX XXXX. A debt collector my not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. So with this being said I have attached a letter of VALIDATION not VERIFICATION which is what they sent to my and will also be sent in an attachment as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XXXX XXXX, 60 as of XXXX and XXXX, XXXX, 90 days late in XX/XX/XXXX and 120 days late in XX/XX/XXXX, and XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-15
Company: Coinbase, Inc.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On Saturday XX/XX/21 I received a phone call from XXXX stating that they were a representative from coinbase and that there has been some fraudulent activity on my account. They claimed that someone was making incremental withdrawals from my bank account totaling {$24000.00}. They sent me emails proving that this was occurring. The email address was a legitimate coinbase email address, complete with links to their secure website etc. He then stated he needed the 2FA code to lock my account. I was hesitant but when I verified the email was coming from coinbase, and that I was receiving texts and emails from coinbase while on the phone with this man, It led me to believe it was legitimate. Shortly after giving him the code the phone cut out and I Started receiving coin trade confirmations and other emails from coinbase acknowledging fraud was taking place from a XXXX IP address. 



I was able to remove the funds from my checking account and notify my bank of the impending fraudulent activity. For the past 5 days I have sent over 67 emails to coinbase, calls, etc. I have repeatedly asked them to lock the account and not let any funds IN OR OUT. They assured me that would happen and that I would be contacted by their specialty department which is always through email. I have gotten no where with them and they just keep repeating themselves that I need to log in and change password. I was even asked to Upload my license with a self portrait and specific notes. I have done that multiple times and even sent them screen shots of such. Then I cant get any further because the hacker stole my 2FA. I have explained this as well to coinbase numerous times and they still are not helping. On Monday an attempt was made to take over XXXX out of my checking account which luckily my bank caught. Since then Coinbase has stated they are taking all of my coins in my account ( over {$2000.00} worth ) because they funds were not allowed to go through the bank. HOW INSANE ARE THEY that they think I should have allowed a fraudulent transaction to go through. They are not helping at all, and I am starting to think this was all an inside job. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 will not provide me their method of investigation regarding an inaccurate bankruptcy XXXX on my credit report. Transunion rep XXXX XXXX stationed in XXXX continue to state to me that the vendor that reported the information has certified to Transunion that information is accurate. This is the response i was given on XX/XX/2018 when i contacted Transunion for support documents and contact/address information regarding validation of dispute as Transunion states under CFPB complaint # XXXX that they mailed a letter to the court house themselves and the court house, not a third party vendor provided verification of bankruptcy. This is contradicting as XXXX XXXX stated to me that a third party vendor verified accurately. I asked for method of verification once again and was told that Transunion does not provide this information. I asked again for supporting documents verifying information and once again was told there was none and would not provide me with third party information.Under federal law, any innacurrate or incomplete information must be deleted. I have contacted the court that is listed on the bankruptcy and they have advised they do not verify with credit bureaus and that bureau had to go through a third party agency for any information they have as they have not received a letter and if they did they would respond that they do not provide information to CRAs. This again is illegal as third party agencies are not the originator of this bankruptcy, the federal court is. Furthermore, Transunion continues to refuse me the third party information that they used to verify information on my report. I want this bankruptcy deleted as soon as possible. As the consumer I am entitled, under FCRA 611 ( a ) ( 7 ) to a description of the procedure used by the CRA, which must include the name, address, and phone number of any furnisher to which the dispute was sent. See FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

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 2018-05-15
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: Their investigation did not fix an error on your report

Complaint:
Experian has re-inserted deleted information back onto my credit report. I have tried to re-dispute this information off my report, however Experian will not re-investigate. The following accounts need to be removed as they previously were : 1. XXXX XXXX XXXX # XXXX Payment never late. 
2. XXXX  XXXX XXXX. # XXXX- Fraudulent Account 3. XXXX XXXX of XXXX # XXXX- Fraudulent account 4. XXXX XXXX   XXXX XXXX. # XXXX- Fraudulent account 5. XXXX XXXX XXXX. # XXXX- Fraudulent 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 non-monetary relief
Consumer complaint received 2020-02-04
Company: General Motors Financial Company, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My lease expired XX/XX/XXXX. The car was turned in and I never received any further information or bill from GM Financial. I then received an alert on my credit report stating I had {$410.00} 30 days past due and dropped my score even though I had not received a final bill. Upon calling GM Financial on approximately XX/XX/XXXX I spoke with a representative who stated a final bill was never sent out. She further stated that she would fix the inaccurate credit report and send out the final bill. The account got reported as being in good standing but still showed a late payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/17 my credit was ran and I am now showing a hard inquiry on my credit report from this creditor. I did not authorize the creditor to run my credit and I d not have an account with 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 2021-09-15
Company: Experian Information Solutions 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:
hello Ive been trying for months to get this issue resolved as my information was stolen during a breach and it has caused me harm personally and financially.. who ever got my infomation has been running up medical bills. and i need these items removed as its effecting my job status and future goals.

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 2021-06-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have submitted serval complaints about my reports not reporting 100 percent accurate I errors which are FCRA violations. I would have to have to file and take this matter to the next level.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I Wrote a letter to the ERC Group disputing the validity of this debt, a year ago. When they failed verify this debt, I assumed it was dissolved. But now a year letter they are calling me repeatedly & sending threatening collection letters. Calling me at obscene hours etc ; claiming I owe them $ XXXXon account # XXXX, XXXX XXXX XXXX . Their assigned reference # XXXX to me. I do not owe this alleged debt. I would like you to have them cease & desist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: General Motors Financial Company, Inc.
State: FL
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:
There are five unauthorized inquiries on my credit file from XXXX. I have contacted the company in the past to inform them about the matter but I never get a response. I have no business with company and they shouldnt be accessing my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2020-02-04
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: Account information incorrect

Complaint:
The credit bureaus have outdated information and lots of items reporting wrong. Multiple addresses and phone numbers that I've never live at.The addresses that belong to me are XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX , XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. 

The only number belonging to me is XXXX The rest of the numbers are not mine. 
XXXX XXXX XXXX  XXXX  show delinquent history loan have been rehabilitated and being paid as agreed.. XXXX XXXX exceed 7 years. XXXX XXXX should not be showing I was forced to move out because of mold and they agreed to the terms, plus its 7 years old. 
The following accounts have been re-aged which is illegal to do so. Everyone of the accounts are 7 years past statue for reporting. 
XXXX XXXX. 
XXXX XXXX duplicates XXXX XXXX XXXX duplicates 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 explanation
Consumer complaint received 2017-11-22
Company: Javitch, Block & Rathbone LLC
State: OH
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Replied to my previous CFPB complaint with a false statement about when they first contacted me about the debt, insinuating that I did not request validation within 30 days which is not true. 

Did not explain why they will not provide the validation documents I am asking for. They even detailed what they are going to send me but what I have asked for three times now is not included. 

They also, instead of contacting me about the CFPB complaint, sent debt collection notice to my mother. 

They continue to insist that they have the proper documents to sue me despite being barred by the CFPB. However, they refuse to send me what I keep requesting. 

Then their attorney asked me to contact him with questions but did not give his contact info.

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 2021-09-15
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
XXXX  experienced homelessness and still am. Unable to pay the debt off. Unable to get a new vehicle to get back forth to employment. {$14000.00}. XXXX tried to garnish wages or come up with payment plan which I was unable to agree with.

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 2018-05-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2018, Capital One restricted Access to my 360 Account and sent me an email informing me of this. The funds that are in the account are not accessible and I am not able to talk to a person, because the number I have been given to call is sent straight to voicemail. There has not been fraud on the account and no one has commited an illegal act. I do not understand the reason as to why my money is indefinately on hold,

Company response to consumer: Closed with explanation