BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I got these accounts that are not mine and i want it to be removed from the 3 credit reporting agencies. See the list bellow 1. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: AMERICAN EXPRESS COMPANY
State: OH
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:
On XXXX XXXX, 2017, I spoke with a Delta representative in regards to changing my flight day and time to another day. I was on the phone for an 1 1/2 hours talking with XXXX who was so politely helping me get the situation resolved. He asked during our conversation had I signed up for Sky miles. He explained the terms of how sky miles worked and said it was n't any cost to me, but if I wanted to do an application to qualify for an american express card I could do so. I proceeded to tell him, I had already filled out an application online when I was looking for flights for my up coming XX/XX/XXXX trip. On XXXX XXXX, 2017, I filled out an application and was declined the credit card. I told XXXX, I had already applied for the credit card and was denied. He ask me how long ago and I specifically told him approximately 2 months ago. He proceeded to say, we can check on that to see what we have on file. He comes back on the line and tells me they have no record of me applying for the card, and told me that perhaps I did n't get an approval letter yet. I told him that I was denied, which clearly means I received a letter. I did go ahead an redo the application based on the information he gave me. He connected me over to another department and a young lady proceeded to give me alot of info about the card and what it offers. I told her the same thing, that I had already did an application before and was n't approved. She said, ok and proceeded. After she put the info through the decision came back denied. After, I hung up with the representative, I went to my email to check the status of what the credit decision said. Well, lo and behold, I get on there and see I was declined onXX/XX/XXXX17 and XX/XX/XXXX17. My point here is that Delta should have know that a quiry was placed on there on XX/XX/XXXX17. I did n't want another quiry on my credit report. I believe they knew the first application I did was on there and therefore I feel that my rights were violated according to the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: Professional Debt Mediation, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently tried to get an apartment in my name. A apartment complex reviewed my report and informed me that I had a debt in collection from  XXXX   XXXX , a apartment complex in  XXXX  TX. I 've never stayed in  XXXX  before and do n't know where this debt came from. I called the debt collection agency, Profession Debt Mediation ; they informed me that someone named  XXXX   XXXX  had opened the account with  XXXX   XXXX . He used my social security name in order to open the account. My name is  XXXX   XXXX , phone number  XXXX  address  XXXX   XXXX   XXXX   XXXX   .   XXXX   XXXX   XXXX , TX  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 2019-12-08
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
In XX/XX/XXXX i filed for chapter XXXX bankruptcy and have included my Macy 's account that was originally opened in XX/XX/XXXX. In XXXX of XXXX, i had sent all 3 credit reports a dispute regarding this account, due to the original delinquency date being incorrect. The original delinquency date was in late XXXX, not XXXX. I filed for bankruptcy in XX/XX/XXXX. This account is due to fall off of my report.Anyways, after the dispute was complete, i noticed that the original delinquency date was changed to XX/XX/XXXX which was the date of my last dispute! They deleted all the previous dates of all payments made in XXXX, and XXXX, and put a new date of XX/XX/XXXX as the new date of delinquency which is totally illegal! They are trying to re-age this debt for another 7 years when this account is due to fall off this year! They can not due this!!! According to the law, they can not change the date of first delinquency, this account was discharged through a chapter XXXX bankruptcy in XXXX which makes what they did a crime! I am enclosing the discharge papers for the bankruptcy in XXXX, and a copy of my account on my credit report.According to FTC, if there are any inaccuracies that can not be verified, it must be deleted from my credit report! This is a copy from my XXXX  credit report which shows the 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 2019-12-08
Company: Receivables Management Corporation
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17
Company: KEYCORP
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I 'm using this app called  XXXX  to help me get my paycheck sooner and my bank , keybank, is not sending over the required information to allow me to do this. This has gone on for about a m onth.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
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:
I explained to XXXX last week when she called that I had to medically retire from work and could not afford to pay {$250.00} before XX/XX/XXXX. I received a letter stating they would refer for legal action if it was not paid by then. Just like when they disabled my vehicle and I tried to call I ca n't get through to anyone unless I 'm calling to make a payment. All my calls have been forwarded to voicemails yet I 've received several calls from them to make payment arrangements they already set up like they know my budget and I 'm going through a hardship. Theyre also demanding a lumpsum settlement that I do n't have to pay at this time but wanted me to pay the settlement amount of {$4200.00}. I no longer have the truck. The interest rate they had my car priced at was an illegal rate 23.9 %. Although I signed the contract I was n't aware of this at the time or that they would tamper with and disable my vehicle after being one day late with my payment. The contract should really be voided because of outstanding interest rate I was overcharged. This is an aweful company to work with and has lied to me saying they did n't tell the car lot to install the disablement and for me to go there call them and they would let them know. XXXX said they would remove it if they spoke to someone from the finance company.I get to XXXX XXXX  where I got the truck from so Credit Acceptance can speak to them to have it removed and I 'm placed on hold for a long time and then I 'm told they did n't tell me that. So while the vehicle was in my possession I 've been at risk of being stuck in unsafe areas due to the vehicle being disabled for being a day or so late with payments and at the time I was working a lot and needed that extra day or so. I come out at XXXX to go to work from working a double shift the night before and the car did n't start. I was left without transportation to work or to the bank to even deposit the payment.

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 2019-12-08
Company: Revenue Assistance Corporation dba Revenue Group
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I underwent a medical procedure and was told my responsibility was {$1800.00} unless there were complications. I paid {$1800.00} the morning of the procedure and there were no complications. Several weeks later I received an exorbitant bill for additional fees and I immediately sent an email disputing the bill. I never heard back from them via email. I also called and recorded the call, where someone assured me they would investigate and get back to me. They never did. Instead, I received a notice from this collection agency. This hospital is predatory in its pricing and collection practices and I do not owe them another penny.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I checked debt collector on this because this is what this company represents them selves as. I am writing ab out Select Portfolio Servicing LLC. I was given a payoff plan to payback an amount I owe in arrears on my mortgage by Select Portfolio Servicing. It is a plan of 12 payme nts of  XXXX  dollars with a balloon payment at the end of  XXXX .  <P/> On the  XX/XX/XXXX  they received a dispute letter from me as to the amount owed as well as a request for the breakdown of all the numbers. I wanted to be clear as to how they came to these amounts before I pay them.  <P/> I called today to check on it. The payment plan was to start on the  XX/XX/XXXX  with the first payment of  XXXX . I have not heard anything about my dispute letter or my request yet. The first thing they tell me is that my account has been referred to a lawyer. It 's not even past the expiration date of the agreement yet. So why are we referring things to a lawyer. Also I have n't gotten an answer as to my dispute on the debt yet and it 's almos t 30 bus iness days since the request.  <P/> This company seems very intent on foreclosing on me rather than working with me. I have much distrust in their accounting due to having dealt with them on this issue for over 8 years. I have many times requested that we do a Principle reduction on the amount owed but they tell me they ca n't. Companies like them received millions of dollars during the housing crisis to do exactly that and they refuse to help. Claiming the investors in the trust would not approve that kind of action. I am not even sure if they can legally collect on my trust seeing as though they give me no direct connections as to who makes the actual decisions. It 's all very shady.  <P/> 
I have also may times asked for them to send me a copy of   the  Pooling and Servicing ag reement that they have to service this loan, it is public record, they refuse to send me a copy.  <P/> So I would like to see the breakdown on this Agreement that they have sent me. I want to know how much goes to fees, what those fees are, how much goes to principle and what would be the remaining amount of the mortgage will be after this plan has been completed. I need all that in writing before I would even feel comfortable paying this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have purchase my vehicle back in XX/XX/XXXX. End of XX/XX/XXXX I tried to get a refinance with my vehicle an I have been denied due to capital one not reporting my payment history from XX/XX/XXXX to XX/XX/XXXX. This has affected me from getting my refinance. Filed a Dispute with them once got a completion an no fix. Tried another Dispute was put down for completion again with no fix. Im sick an tired of getting pulled around with a issue that has nothing to do with me. Its affecting my life because of them. What can I do to fix that ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 reached out to the is credit reporting company numerous of times regarding an account on my report. The company continued to send me templates and did not resolve my issue.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have an account on Coinbase.com, i used  XXXX  f or 2 fac tor authentication on the account. My phone was factory reset on  XXXX   XXXX  and I lost the " token '' on the phone that connects t o Coinbase, therefore am unable to transfer my funds away from Coinbase. I have filed 3 separat e customer service requests to remove  XXXX  from my account and the firs t 2 w ere closed for no reason, the third appears to be pending but i 'm doubtful. I have gotten no response from them. All i want is to get my money, which is nea r 1 thousand dollars. I have sent them proof of my identity and I can see no reason to prevent me access to my money unles s they are running a scam of some sort.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: Diversified Consultants, Inc.
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have not been contacted by  XXXX  (  XXXX  ), in regards to an email I sent in regards to this matter. I emailed several entites in regards tom this serious matter, including billing the wrong debit card, etc. The last contact was in regards to removing an incorrect email address. I have not heard from  XXXX  since my attached email.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am and have been trying to get a copy of the contract that National Credit Systems says I have, I am requesting they mail me a copy of the contract I signed with them to determine the validity of this debt on my credit report. I have not received any documentation that bears my signature to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
these accounts in the amount of XXXX and XXXX needs to be deleted because of they couldn't provide me with a hipaa transcript and my hippa rights was violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have tried several times today to find out what the status of my credit freeze is on Experian 's website but am unable to go anywhere. 

It points me to this page to call Experian but there is no way to get to a human to resolve my issue. 

And I feel they are making getting a freeze / unfreeze process in place intentionally hard and pointing me to their paid service. I have no interest in that. 

I need to unfreeze and check my report as well as potentially apply for new credit TODAY. 

How can I get help since Experian is not able to help?

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 2019-12-08
Company: Bread Financial Holdings, Inc.
State: MS
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 kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX   or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2019-12-08
Company: Rock Holdings Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I did a cash out refinance with XXXX XXXX in XXXX. At the time I had a standard loan with XXXX XXXX and an equity line of credit with XXXX XXXX. Both were contracted and required to be paid off to allow XXXX XXXX to be in the first position. XXXX XXXX only paid the XXXX XXXX. After three months of not paying XXXX XXXX, I was receiving some very bad letters. I paid late fees and setup automatic payments to XXXX XXXX. I found that XXXX XXXX had used the wrong contract to issue payments. I also found that Title Source knew of the leans and changed it to only the XXXX XXXX had a lean. As I found on their own paper work. 
I have spoken to a professional title insurance representative about the problem. He stated the title insurance should cover it. 
I contacted Title Source via phone and they side that they would pay it but I would need to also pay. I agreed and said it would take time, as my cash payout was used to purchase a business and did not know they did not pay off XXXX XXXX. Some time later I contacted them again trying to get it paid and was told it was my problem now and they were not going to do anything. Found out they were able to sell my loan to XXXX XXXX  and were no longer worried because they got their money from XXXX XXXX. 
XXXX -Now with a moment to do more learning, I have found that XXXX XXXX is invested in my loan and one of the requirements for them to be invested is to have the first position on the home. After speaking to an agent at XXXX XXXX, they advised to hold Title Source accountable. As you may know, Title Source and XXXX XXXX XXXX  are sister companies. They are not going to take me seriously. I found this web site today and hopefully a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08
Company: Arete Financial Group
State: AZ
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:
XX/XX/XXXX I received an email from Arete financial stating my student loan consolidation was declined. I called the XXXX  billing number to update my information and made six additional calls leaving voicemails and sending emails during this time frame with no response back. I received a message not delivered email from both email addresses I tried

Company response to consumer: Untimely response
Consumer complaint received 2022-04-07
Company: EQUIFAX, INC.
State: VA
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:
n accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

Company response to consumer: Closed with explanation