BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-01
Company: CHARLES SCHWAB CORPORATION, THE
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Charles schwab account is locked/frozen. Initially it was locked for an undisclosed reason. I initiated a transfer of {$8800.00} to an external of mine on XXXX. I was contacted by the Charles Schwab team and informed that there would be a 10 day hold before the request could be completed since the account was new. During a routine login on the 10 day XXXX, it was discovered that the account was locked. I contacted the security team and was informed that it could take 3-5 days to be resolved. I contacted charles schwab on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for updates and was informed that the account was locked for suspected fraud. No further information has been provided concerning the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I bought a car in XXXX from XXXX and bridgecrest was the company that financed the vehicle. My bank, XXXX XXXX, approved me for a loan to refinance the vehicle with better terms. I sent a check for {$26000.00} which Bridgecrest told me was the 10 day payoff amount on XX/XX/XXXX. Bridgecrest sent me a text message thanking me for my payment of XXXX. On XX/XX/XXXX one of their customer representatives called asking for payment on the vehicle. When I investigated the situation with my bank they said that Bridgecrest didnt endorse the check properly so my bank didnt release the funds.When I told one of their customer service reps what happened, they emailed someone in customer relations and told me to wait on a response. Bridgecrest sent me an email the same day telling me to send another check for the new 10 day payoff quote, which was an additional {$220.00}. I got another check from my bank on XX/XX/XXXX for {$26000.00} and I sent it overnight along with a personal check for {$220.00}. On XX/XX/XXXX they processed the check for {$220.00} but as of today, XX/XX/XXXX, my bank states that they have yet to process the check to pay off the vehicle. I have called several times and spoke with customer relations agents but all they do is send an email to their managers and I never get a call or email from anyone at this deceptive company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: EQUIFAX, 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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: ACIMA CREDIT, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Recently I reviewed my credit reports and notice there was some inaccurate, outdated, and fraudulent information that will need to be removed. I am a victim of identity theft and several of the items on my credit report is not mine. I have noticed a social security number that is not mine. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. The Fair Debt Collection Act/ ( O.R.C. 2305.07 ) and ( O.R.C. 1303.16 ( B ) Ohio Debt Collection Statutes of Limitation. I am requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. If the account can not be verified, your company must delete the account from my credit report.ACIMA CREDIT XXXX XXXX  # XXXX, XXXX XXXX XXXX ( XXXX ) # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX I # XXXX, XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: EQUIFAX, INC.
State: VA
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 been enthusiastically working to rebuild my credit for over a year in order to buy a home and was just within reach when I decided to dispute an inaccuracy on a closed XXXX account. I had no idea that doing this would result in my score dropping 19 points because the closed, negative account was deleted. After looking online I see many other people outraged that Equifax is doing the same thing to them. ( Some having their scores dropped over a hundred points for having something deleted ) Nowhere was I informed that I risked my score dropping if I disputed an error. I never would have risked it had I known this was the case. I thought disputing an error was my right, not a punishment, and I would like to voice my complaint and request this behavior be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Experian Information Solutions Inc.
State: VA
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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting approved, trying to get cards. The account listed below is not mine. I sent in multiple letters and haven't received any response. I don't understand why is this taking so long. Please help List of the account that doesnt belong to me ; 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 explanation
Consumer complaint received 2023-01-04
Company: Professional Finance Company, Inc.
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Okay I applied for a credit card from XXXX and was denied for too many discrepancies so I looked on my credit report and noticed there was 6 loans in collections on there from a loan place in XXXX that I never applied for. Here 's the amounts with case number ( what the credit report shows ) : $ XXXX... 
$ XXXX... 
$ XXXX... 
$ XXXX... 
$ XXXX... 
$ XXXX... 
None of these that are on my report are any of which I applied for, I've never even been to XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: CBC Companies, 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: Personal information incorrect

Complaint:
Please see my attached documents..My name is XXXX XXXX XXXX and I am having some problems with inaccurate information showing on my credit. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX THE FOLLOWING ADDRESSES ARE NOT MINE PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following numbers they are not mine and are inaccurate : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
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 disputed the items that are not mine and there some items that is still remaining that needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: BAM Management US Holdings Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2021 at around XXXX XXXX, I attempted to transfer {$50.00} from my bank account to my account at Binance.us. The transfer showed up on their site as pending for about 20 minutes and finally resulted in a status of Failed. However, the {$50.00} was put on hold at my bank account. I figured this was due to the attempted transaction and the hold would be released after 24 hours. However, the next day the transaction completed and the {$50.00} left my bank account. The {$50.00} never appeared in my Binance.us account and the transaction still shows as failed. 

I submitted a support ticket on their website to ask them to address this issue on XX/XX/XXXX. They have not responded to my support ticket.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
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 investigation did not fix error

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 2021-06-30
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: Was not notified of investigation status or results

Complaint:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: LoanCare, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX I have been requesting for the " pay off letter '' and every time I call in for it, there is an automatic system where it states " the letter will be mailed out with 7-10 business days and without the letter I will not be allowed to pay off the loan. '' I have also tried 4 times requesting it off the online portal and it will not allow me to do so. 
In XXXX I have called the customer service and every time I ask to speak with someone about the pay off they have transferred me over and the call drops and this has happened on the daily for over the two weeks. 

I have logged in and tried to make the off amount but it will not allow me it is asking for a different amount then my statement and will not allow me to make more or less then. 

I have not made a payment since XXXX due to this issue with the company and I have been charged penlenty

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 2023-06-15
Company: Resurgent Capital Services L.P.
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: Account status incorrect

Complaint:
Was never informed about his collection account. I never received any information about this debt. I am supposed to receive legal disclosures regarding any debt a collector puts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: Resurgent Capital Services L.P.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt is {$2000.00} and I have no idea what its for but I don't have any money for that and its just a matter of what is going on in my credit history

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
On XX/XX/XXXX I used XXXX to pull all three of my credit reports. I noticed that my credit card was mistakenly marked as closed around XX/XX/XXXX on my reports. 

The credit card is a Visa XXXX XXXX XXXX XXXX XXXX XXXX that was originally issued around XXXX. 

I have been using my card continuously both before XX/XX/XXXX and to the present ( most recently the morning of XX/XX/XXXX ) so I know that the card is not cancelled, and I have been making payments on time.

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 2022-05-27
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX Balance : {$610.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$3200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: Experian Information Solutions Inc.
State: VA
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  has XXXX 's last payment as XXXX. 
XXXX  has XXXX 's last payment date as XXXX. 
Experian has XXXX 's last payment status date of XX/XX/XXXX. 

XXXX  has XXXX 's last payment as XXXX. 
XXXX  has XXXX 's last payment as XXXX Experian has XXXX 's last payment as XX/XX/XXXX. 

XXXX  has XXXX  's last payment as XXXX. 
XXXX  has XXXX 's last payment as XXXX. 
Experian has XXXX  's last payment as XX/XX/XXXX. 
XXXX  has XXXX 's last payment as XXXX. 
XXXX  has XXXX 's last payment as XXXX. 
Experian has XXXX 's last payment as XX/XX/XXXX. 

XXXX has XXXX XXXX last payment as XXXX XXXX  has XXXX XXXX last payment as XXXX. 
Experian has XXXX XXXX last payment as XX/XX/XXXX. 


THESE ACCOUNTS APPEAR TO BE FURNISHED BY THE SAME CREDITOR SO WHY IS IT THAT THE DATA THATS PROVIDED IS DIFFERENT ON EACH BUREAU? IT IS THEIR DUTY TO ENSURE THAT ALL INFORMATION PROVIDED IS CONSISTENT AND MOST IMPORTANTLY ACCURATE. HOWEVER THE CREDIT BUREAUS HAVE FAILED TO DO SO. I HAVE CONTACTED EACH BUREAU SEVERAL TIMES ABOUT ERRONEOUS INFORMATION. XXXX  HAS CHOSEN TO BLATANTLY DENY MY REQUEST TO FURTHER INVESTIGATE THE MATTERS.BECAUSE OF THIS APPARENT NEGLECT IN ENSURING THAT EVERYTHING ON MY REPORT IS ACCURATE, CONSISTENT, AND UP TO DATE, I AM HERE AGAIN REQUESTING THAT THESE ERRONEOUS ITEMS BE DELETED IMMEDIATELY.

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 2023-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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/2023 the following companies made inquires into my credit without my permission. 

XXXX XXXX Capital One XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: AL
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 reached out to Equifax in XX/XX/ and again 90 days later. They are refusing remove these unauthorized inquiries. I want them removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-09
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:
ftc violation accounts showing up on my credit that I have no knowledge of 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 2018-10-12
Company: 2288984 Ontario Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I told XXXX XXXX that I had trouble with licensing at my job and would not be getting paid until it was fixed, they have called and emailed me repeatedly. I told them I could do $ XXXX/month until I am able to pay more and they told me no.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: JPMORGAN CHASE & CO.
State: MN
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:
Chase would you please send me a hard copy from your compliance office as To how your office is to legally note a consumers credit file when a dispute has been investigated by your office. Also please send me a copy of the FDCPA Requirements If the remarks were not noted by your office. Your office have acted very reckless as far as reporting to XXXX and XXXX and XXXX  The information is missing and this is a violation. And this account is no longer allow to report on my credit file due to your Negligence and noncompliance please remove this account for FDCPA immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: ALLIANT CREDIT UNION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I am a consumer, the original creditor. On XX/XX/2020, I the original creditor according to 15 USC 1692a ( 4 ), extended credit to my loan company, Alliant Credit Union at XXXX XXXX XXXX XXXX, XXXX, IL. XXXX, in the amount of XXXX for an auto loan, but with their fees and total, the credit union agency is charging me {$53000.00}. According to XXXX5 USC 1605 ( a ), the finance charge is the sum of all, so my car insurance, gap insurance was not included in the finance charge ( sum of all ). I requested a copy from Alliant Credit Union of my auto contract, Exhibit C, which is totally different than what I have from the day of the actual transaction, shown in exhibit D. The interest rate, the total amount is all different. This is FRAUD on all levels. Alliant Credit Union operates under the Truth and Lending Act, so why wasn't I not informed that they took my unlimited credit card to the federal reserve and was already paid in full. Not only was they paid in full, but they are coming after me for monthly payments. This auto loan is being reported on my credit report unlawfully without my consent. I am disputing this transaction because Alliant Credit Union not only stole from me but my reputation is totally ruined. I have included a affidavit of truth citing all XXXX violations, and also included an invoice, as well as a cease and desist stating what is needed. This is totally a complete violation of 18 USC 1028A. I also will include a copy of documents used and or exhibits in this report and also a copy mailed upon certified mail.

Company response to consumer: Closed with explanation