BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-05
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Accounts that's closed or negative ratings- XXXX XXXX XXXX XXXX XXXX Suntrust XXXX XXXX XXXX XXXXPolice 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 2017-02-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The credit bureau Equifax refuses to remove an item/account in dispute that I have provided documentation for from the collection agency that states they will request to have this item/account deleted. I 've spoken to several agents all with different answers and no solution. One agent ( XXXX ) claims the document was n't legible, so I 'm submitting the document in this complaint to ensure legibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I had identity theft per XXXX, XXXX, & XXXX in XXXX and XXXX 2016. These creditors denied XXXX credit applications due to the lack of verifying information. A credit freeze was placed in XXXX 2016 to protect my credit. Equifax inquiries from this fraudulent activity was disputed 3 times, but nothing was removed. A letter from XXXX XXXX and XXXX were received and sent to Equifax. XXXX refused to send a letter as they said it was all internal. Equifax merely said they are factual and did nothing. Please help in removing these inquiries : XXXX XXXX/XXXX/16, XXXX XXXX XXXX/XXXX/16, XXXX XXXX/XXXX/16.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have continuously disputed the AL Child Support Case with Equifax. I have also provided proof. However, Equifax has continued to violate my rights as a consumer to correct and delete incorrect information and the account. I have disputed the late payments as well as the amount expected to be paid on this account. None of which has been reported correctly. Equifax has parroted the account instead of an actual individual reviewing the account and the proof I provided. Equifax has claimed to have " verified '' the account. I have never been late with my child support payments. I have never not paid my child support and the amount expected to pay is incorrect. I will provide my check stubs for XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX XXXX from XX/XX/XXXX as well as the child support order from the courts showing my actual payment amount which is {$850.00} a month. On my check stubs the child support deduction is labeled as " Other deduction 1 '', which is deducted weekly from my check. Which as always been on automatic deduction. The incorrect reporting has continued to cause my credit score to decrease and has caused me to be denied for a Mortgage Loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17
Company: WELLS FARGO & COMPANY
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
My wells Fargo account online was apparently breached by some scam artists and this comp is trying to blame me. Why on earth would I tamper with my own finances??

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Santander consumer was pay off auto with santander consumer on my credit report still show and late never been payment account in full never been late can you correct this now

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-31
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
To whom it may concern, I mailed a Multiple Inquiry Removal Letter on XX/XX/2017 by certified mail in order to dispute information, in regards to XXXX hard inquiries, that was being reported on my credit report. They received the letter on XX/XX/2017 and they completed the request on XX/XX/2017. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According tot he FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from it 's files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: WELLS FARGO & COMPANY
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2016-05-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
They will not respond to any of my disputes. 
" Legal Item '' XXXX for $ XXXX this was paid and closed. This is the same debt as the XXXX XXXX XXXX account for {$500.00} that now has a {$0.00} balance. Update this to a {$0.00} balance immediately, as can be verified with the XXXX XXXX XXXX / XXXX XXXX Courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX and XXXX both falsely assured us that they were not going to check our credit records. The said that a soft inquiery would not show up on our credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: JPMORGAN CHASE & CO.
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:
JPM Chase Bank is incorrectly reporting a charged off credit card on my credit report that does not belong to me. I have provided both JPMC and the credit bureaus with a copy of a police report from XXXX XXXX Texas which details this criminal activity which has caused great harm to my personal finances and drastically reduced my credit score. 

Most of the accounts have been removed now from my credit report, however, this account with JPMC in the amount of {$6000.00} under # XXXX still remains. In fact, JPMC is reporting this account as BOTH a charge off AND a currently past due account which is completely illegal and in violation of FCRA. This is the last error that is driving my score down over XXXX points and preventing me from getting a mortgage. REMOVE immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hello, In regards to my Credit Report with Equifax, I am submitting information again to dispute a charge of : {$990.00} from : XXXX XXXX, which was opened on : XXXX XXXX, 2012. 
I am again disputing that I do not owe this debt and at that time, I submitted proper information to XXXX and Equifax to reflect that I had a stolen identity. 
The CRA ( Equifax ) continues to list this debt as valid, and has not shown such proof that it belongs to me, other than the word of the collection agency - they themselves can not show just cause as to this being a valid debt belonging to me. 
Therefore, I am requesting that this entry be IMMEDIATELY REMOVED from my credit report. 
This matter will again, be sent to the location AG 's office, where both companies reside and conduct business for resolution. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/2021 I received an e-mail from the coinbase company saying that my password has been changed. I had not changed the password. On XX/XX/2021 I see that email and I communicate with them saying that I can not enter my account, and they reply by email saying that in 4 or 5 working days they will solve it, today XX/XX/2021 I write a ticker again saying that my problem has not yet been solved and they respond to me with the same email as on the day 30 saying that in 4 or 5 days they will solve my problem. it's a loop and i can't access my account where i have a lot of money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-06
Company: Affirm Holdings, Inc
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have utilized Affirm for several loans and currently have three active loans. All of my loans have been paid and with perfect payment history. Most recently, I tried to utilize Affirm at XXXX XXXX, and my applications are continually denied. I have a consumer alert to verify my identity and call me at the number listed to confirm. No one from Affirm has ever reached out to confirm my ID. I emailed Affirm and explained what is going on. They assured me that someone would reach out ; instead, every app gets denied. Their processes show that they reach out, but they never do, and I'm completely frustrated. Many merchants utilize this company for 0 % financing ; therefore, there is no choice if you're looking to finance something on merchant websites. 

No one at this company Affirm seems to care or be willing to help. 

See the attached screenshots for the 0 % offer as well as the response after I input my details for the loan. The PDF document contains their response that they were unable to contact me, etc. NO ONE EVER CALLED PERIOD!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: MN
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am receiving threatening and harassing telephone calls of XXXX threats from representatives from Cash Central. I am a victim of identity theft and my personal information was used and compromised by someone else, who applied for a payday loan from Cash Central. I have never applied for a payday loan from Cash Central.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021 I sent a letter to Equifax to validate the information on my credit report and open an investigation to ensure that the current profile was reporting 100 % accurate. As shown on their website my initial letter included a validate copy of my drivers license as well a an update to date copy of my credit card billing verifying my address. Each letter thereafter included a copy of my drivers license. 

I had not received a response from them so on XX/XX/2021 I sent them another letter notifying them again and asking that they open an investigation on the accounts listed in the letter. 

By XX/XX/2021 I still had not received any communication from Equifax regarding the dispute so I sent them yet another later on that date pleading they open an investigation and exercising my rights as a consumer under the FCRA. 

It is now XX/XX/2021 and I've still not yet heard anything from Equifax regarding any of the dispute letters I've sent out. 

During the course of these 5 months I've contacted them by phone to ensure I've had the proper mailing address, which they have confirmed. 

Please assist with this issue. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: Firstsource Business Process Services, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I called to obtain information about the debt. We negotiated a settlement amount. I told them I needed to pay the amount over time and that I would contact them in two days to move the process further while I looked for ways to raise the funds. During the call they obtained my bank account number. 

They contacted XXXX XXXX and paid the settlement amounts in my name without my consent. I had no agreed to the settlement. They then attempted to charge my bank account for the settled amount in full. The payments were declined by my back and I incurred two overdraft charges. 

I do not know if XXXX XXXX has settled the debt at the amounts they attempted to charge. I have no idea what is going on. There was no structure to the call. It did not follow any of the standard legal procedures or language that I have encountered in other calls like this.

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 2021-08-06
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company name is first Federal credit control. I sent out three letters asking for medical debt to be validated. They havent sent me anything that proves the debt is mine, they only send me letters saying I have to pay it and sent me a copy of the reason for hospital visit which is violating hippaa. Amounts are {$1300.00} and {$120.00} from First federal. I have attached proof of hippa violation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XX/XX/XXXX I agree to a mortgage modification with XXXX XXXX XXXX XXXX. The trial payment period began in XXXX XXXX and ended in XXXX XXXX when the modification documents were ratified. Between XX/XX/XXXX and XX/XX/XXXX I filed disputes with all three major credit bureaus to have the XXXX mortgage information updated. After each investigation XXXX continued to report the modified loan delinquent. Additionally, on XXXX or more credit reports XXXX reported the loan twice ( the unmodified loan and the modified loan ), and therefore corrupting my credit file with an additional {$300000.00} of delinquent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: Federal Adjustment Bureau, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

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 2020-01-20
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received 2 to 3 calls everyday for the past 6 months from a company by the name of Navient. The number is XXXX. I don't have a student debt. I am XXXX years old and never had a student loan nor have I consigned for one. When I try to call the number I receive an automated message.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: The Receivable Management Services LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Receivable Management Services, LLC located at XXXX XXXX XXXX, XXXX, MN XXXX is attempting to collect a debt on behalf of a foreign creditor XXXX  in the amount of {$530.00} for purported services rendered by XXXX, an online publishing company. The debt being collected spans a period from XX/XX/XXXX through XX/XX/XXXX. 

XXXX is a foreign company registered in XXXX. I utilized the services while I was a resident of XXXX and XXXX. However, my use of the services was for a short period of time during a free trial period, after which I canceled the service and ceased using it in early XXXX. 

XXXX products are a fee-for-service offering. I never executed any kind of fixed-term or revolving contract or agreement that wound bind me or make me liable for payment beyond the date of which I canceled my account. Furthermore, I've never engaged in any activity, to include seeking or entering into any contract or agreement or receipt of any extension of financial credit, with XXXX 

I dispute this debt in its entirety, and deem this to be a fraudulent collection attempt.

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 2015-04-25
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
I was issued a civil suit from MCM. I settled and made payment before hearing. They didnt contact the court house like they said i would. I payed the debt off, but on my credit score they still say i owe money and they payment amounts are wrong. I contacted them and they give me a number where i dont get any assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have attempted to call transition credit bureau @ XXXX. I was talking to him regarding some information listed on my credit report, such as my DOB is XX/XX/XXXX not XX/XX/XXXX as well as the address listed as XXXX XXXX XXXX , XXXX Ga XXXX is not my address, I have never lived in Georgia. However, my ex husband XXXX XXXX XXXX does live in XXXX Ga. I fear that he may be attempting to use my credit to further his and I need assistance to make sure that is not occurring. However, each person I talked to spoke with XXXX english and I could not understand them. So in the end that was of " NO '' help at all, simply a waste of my time. It seems the call center for Transunion is XXXX. I was transferred XXXX times to " another supervisor '' who spoke with XXXX english

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Trans Union has numerous inaccurate balance accounts and has reported accounts discharged in BK. These accounts were not included in my 2010 BK and were paid in full.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation