BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-07
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX  this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My card was locked due to perceived fraud action by Commenity Bank. I spoke with the fraud line people and approved the action, however my card was not reactivated. Since that time, I have made MULTIPLE attempts to contact the company about this credit card and I am NEVER able to speak to a person and every time their automated service says to call back later that " the fraud line is not available at this time ''. 

This is the phone # on the back of my card - XXXX these are the dates I've tried to contact them, all to no avail - contacted : XXXX @ XXXX ; XX/XX/XXXX @ XXXX ; XX/XX/XXXX @ XXXX ; XX/XX/XXXX @ XXXX. 

XXXX  XXXX XXXX, I went online and found a different # - XXXX XXXX - and called at XXXX. AGAIN I get the message that the fraud line is unavailable and I can NEVER talk with a person. This is beyond frustrating and inappropriate action on their part regarding my card, hence my money. I have no doubt they would abruptly fine me if I'm late with a payment however I CAN NOT USE THE CARD OR SPEAK TO A PERSON!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-19
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
ATTENTION COMPLAINT DEPARTMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Complaint Department Dear Sir or Madam : I am writing to dispute the following information in my file. EOS CCA XXXX Status Closed Balance {$140.00} Type Collection Payment Status Late EOS CCA XXXX Status Closed Balance {$180.00} Type Collection Payment Status Late EOS CCA XXXX Status Closed Balance {$140.00} Type Collection Payment Status Late EOS CCA XXXX Status Closed Balance {$58.00} Type Collection Payment Status Late XXXX XXXX XXXX and collection company did not have my correct address on file, after my credit report company contacted me to report this change I became aware of the charges I immediately called and paid in full. I am requesting that the item be removed to correct the information on my credit report. Please reinvestigate this matter and remove the disputed item as soon as possible as Im in the process of purchasing a home! If you have any questions please feel free to contact me at XXXX XXXX XXXX XXXX or XXXXXXXXXXXX. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX XXXX XXXX XXXX started reporting my escrow account as {$10000.00} in arrears and as a result reported this as late payments on my mortgage to all 3 credit bureaus, because I refused to repay this bogus charge to my escrow account. I spent two years trying to resolve this with XXXX XXXX XXXX with no success. In XXXX XXXX XXXX XXXX transferred the servicing of my Mortgage loan to Select Portfolio Servicing who carried forward this gross error. In XXXX of XXXX I hired a lawyer to represent me in this matter. In XX/XX/XXXX, XXXX XXXX XXXX, Select Portfolio Servicing and I came to an agreement to " resolved this matter '', which I am submitting as supporting documentation. It is important to note XXXX XXXX XXXX has removed this derogatory information. All mortgage payments covering XX/XX/XXXX thru XX/XX/XXXX being reported by Select Portfolio Servicing are not valid and should be removed from my credit report. The result of this reporting has caused serious harm to my credit worthiness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This Debt Collection Company called Credit Systems continues to hound me for {$39.00} dollar debt that I know for a fact is not mine. I did not receive any medical attention back in 2014 at all and they claim that I owe this bill. I feel this company is out to damage my reputation and my credit score and report. 

I will not accept this debt as mine unless the debt company can validate that this is indeed my debt because in my defense this is not my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Foursight Holding LLC
State: GA
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 went to purchase/finance a vehicle through XXXX XXXX XXXX in XXXX, SC. I gave them consent to pull XXXX credit report later to find out they told me it was pulled XXXX  times and l was lied too it had actually been pulled XXXX  times for hard inquiries. I became so frustrated with them I actually paid cash for the vehicle due to the fact they had pulled it so many times especially after negotiating with them about the price due to the markup of the vehicle. I just want these hard inquiries removed from my report. I had decent credit before and now it has dropped my score to the low XXXX due to no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: AES/PHEAA
State: PA
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:
I submitted the Public Service Loan Forgiveness yearly Employee Certification Form in order to receive credit for my last 12 qualifying payments. Only 11 payments were counted. I contacted MyFedLoans and was told that one payment in XX/XX/2018 was not counted because I was " paid ahead '' and there was no bill for that month. After discussing the error with MyFedLoans and submitting documentation that I did indeed make a payment and had received a bill for that month, I was told that my payments would be recalculated. 

It has been over 3 months now and I still have not received the recalculation, nor have I received the credit for this month that was not counted. I have contacted MyFedLoans to  ask why the recount is taking so long and received no answer. 

I am requesting a recount for the last 12 payments submitted on the most recent Employee Certification Form to correctly reflect qualifying payments made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The credit agencies continue to report that a vehicle loan and a vehicle lease were included in a chapter XXXX bankruptcy. The " loan '' in question is still being paid and has been paid on time for the last 62 months. Another vehicle " lease '' that originated in XXXX of XXXX was " paid as agreed '' Neither was included in my XXXX bankruptcy

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 2017-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX/XXXX/2017 a request for my credit was made by capital one bank. This is an inquiry on my credit report that needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
This is in regards to XXXX XXXX XXXX reporting on my credit files. XXXX  is reporting inaccuracies on my files. This account is closed and have been closed for over 2 years, yet XXXX is reporting this account as open. Also this is a charge off and in the payment status XXXX is reporting it as Charge off/Collection. According to the Fair Credit Reporting Act this is only supposed to be reported as a charge off and not as a charge off/collection. Another issue is that the amount that is being reported is incorrect. This account is closed and XXXX recently increase the amount of the charge off which is not accurate and TD can not increase this according to State and Federal Law. Also I want XXXX comments on this account to be removed from my files. According to the Fair Credit Reporting Act I can have any comments on the accounts on my file remove. Therefore I want all TD comments in the Remark Section to be removed Immediately. To this date I still have not received my personal properties from XXXX XXXX, and also XXXX has sent me a letter stating that they were going to reduce the amount by {$400.00} after I filed a complaint through Better Business Bureau. So how is it that XXXX  make this promise and never fulfil their promise. This is another act of deceptive practice by XXXX XXXX. I have to pay over {$1000.00} to replace my belongs that XXXX XXXX, and whoever acted on behalf of XXXX fail to give me back. Now I contact Transunion so that they can investigate this account, and they are telling me they cant investigate it. Now according to the fair credit reporting Act Credit bureaus are supposed to investigate any information a consumer challenge on their credit files. Now I want XXXX to fix their errors on my credit Files, and Transunion to fully investigate not partially, but in whole.

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 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
On XX/XX/2021, XXXX XXXX XXXX, Account # ( XXXX ) added a derogatory mark on my credit report per XXXX XXXX XXXX XXXX. Upon, further research, this account was transferred/sold by the original debtor, and I am not responsible for the account. Debtors ' creditor did not verify this collection and the information contained as accurate. Also, there was NO written form of communication, contract or signature for this accused debt. A bill without a signature does not validate the debt and the information contained within this collections account contains false/inaccurate information, which has been furnished too the credit bureaus illegally. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account 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 non-monetary relief
Consumer complaint received 2022-02-16
Company: R & B Corporation of Virginia
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We received notice of a medical debt from a collection agency. We paid the debt. They continue to report the debt to the credit bureaus as unpaid. When I called the collection agency in XXXX, they confirmed to me it's paid and say that it is not there problem that the credit bureau is misreporting it. We have disputed it several times thru the credit bureaus, even with the receipt, and the collection agency continues to confirm it back as unpaid. 

Credit Control Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Paid in full on XX/XX/21 {$710.00} + XXXX fee = 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 2018-12-03
Company: Westlake Services, LLC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My loan was sold from XXXX XXXX as of XX/XX/XXXX first payment was due. I paid that on XX/XX/XXXX. I paid all previous payments to XXXX XXXX who also allowed me to access my account without verification XX/XX/XXXX. I explained by email that I paid 2 payments in XXXX. They consistently placed hard collections inquiry on my credit report and the CFO said that was between XXXX XXXX and me. I have copies of my second payment paid in XX/XX/XXXX. My last payment is due XX/XX/XXXX I need my credit corrected. I was denied a loan to pay off my end of year bills. I need this information corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The credit agencies continue to report that a vehicle loan and a vehicle lease were included in a chapter XXXX bankruptcy. The " loan '' in question is still being paid and has been paid on time for the last 62 months. Another vehicle " lease '' that originated in XXXX of XXXX was " paid as agreed '' Neither was included in my XXXX bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: EQUIFAX, 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 belongs to someone else

Complaint:
On XX/XX/2021, XXXX XXXX XXXX, Account # ( XXXX ) added a derogatory mark on my credit report per XXXX XXXX XXXX XXXX. Upon, further research, this account was transferred/sold by the original debtor, and I am not responsible for the account. Debtors ' creditor did not verify this collection and the information contained as accurate. Also, there was NO written form of communication, contract or signature for this accused debt. A bill without a signature does not validate the debt and the information contained within this collections account contains false/inaccurate information, which has been furnished too the credit bureaus illegally. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Currently on XXXX XXXX I had a banking issue which ended up cancelling and refunding a out I had made through coinbase. They locked down my account due to it and asked for a resent payment which I gladly gave the information to recharge me what was owed. Over a week later and my account is still locked and I can not sell my XXXX like I have said. I have messaged on XXXX as well as there customer support cases and not one word back from them. I believe this company is fraudulent and fake due to not having any sort of customer support team nor a number to get i go contact with someone to help while being a financial company. This is horridous and have XXXX dollars of my money currently locked up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Over the past 5 years I have been making small, {$50.00} payments to XXXX for a charged off credit card account. On XXXX/XXXX/XXXX I contacted XXXX in an attempt to settle my outstanding debt. They informed me that they had sold the debt to XXXX XXXX XXXX XXXX ( PRA ) On XXXX I contacted PRA and was told that they had obtained a judgement against me. I asked if we could settle this debt, and we agreed that it would be settled for {$1900.00} as soon as I received a letter confirming that the Judgement would be recorded as satisfied after my payment was received. As of today XXXXXXXX, I was told on three different  occasions that the settlement letter was in the mail, and once that it would be emailed to me. Today I was told that there was no settlement letter on file, and that they had no intention of providing one. I 'm at a loss as to what I should do. After the lies, and refusal to send written confirmation of the settlement agreement, what are my options? Do I need to hire a lawyer to have this resolved? Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: EQUIFAX, INC.
State: CA
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:
The Credit Bureaus never did a proper " investigation according to the FCRA. 

The California Civil Code Section 1786.2 defines an " investigative consumer report '' as a consumer report in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported. 

They did not do this. 

Also they have violated my rights even more, In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigated but how is that possible when they never did a proper " investigation according to the FCRA ''. 

They also violated the law because according to 15 U.S.C 1681 section 602 A states I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
XXXX XXXX called my phone told me that I was approved for and loan gave him my account information and he attempted to deposit a fake check into my 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 explanation