BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-01
Company: Diversified Adjustment Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I mailed a certified letter to Diversified Adjustment Services. This letter was delivered and signed for on XX/XX/XXXX. In  the letter, I was disputing validity of this alleged debt and requested copies of signed contracts. Diversified Adjustment services DID NOT notify the credit bureaus of my dispute within 30 days ( ***You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on XX/XX/XXXX. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
As of XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX told me over the phone that nothing was reported to Equifax yet Equifax lies and says they did. I want to know why the audio tapes have not been listened too by the CFPB, then Equifax would be caught in a lie. XXXX XXXX XXXX 's account is fradulent, they have said there is an unknown name on the account and the account was charged off in XXXX with my wife 's maiden name, yet I have provided proof that my wife had an account and in XXXX, her XXXX XXXX XXXX account was changed to her married name with a new card issued. XXXX XXXX XXXX account is also fradulent as I have never had a XXXX, I have an XXXX I use and before that I made my own computer, but put that aside and you will see that this debt was discharged in a settlement due to illegal practices by a company they hired. I have also sent Equifax a copy of the settlement and was allowed too since this is a financial matter. XXXX XXXX is a fradulent account as the only jewelry I have bought was with cash from XXXX and is insured by them. Equifax has never bothered to do an investigation as XXXX did and found all these accounts fradulent. Equifax has refused to show me verification of the information and that is because I am sure they have none, yet I have provided a lot of proof against this. I also need to remind Equifax of the {$20000.00} they owe me for my time ( a commodity I sell ) and for missed sales revenue and them being the cause of not being able to build my trademarked computer systems, and that bill is a huge discount as 12 hours a day, 7 days a week I have been unable to work because Equifax refuses to follow the law. I expect this to be paid before the 30 days are up or a XXXX percent late charge will be applied as well as the more time they refuse to investigate, the more they are buying from me and I will not discount next months bill. I will also invoke my right to correctly report this information to XXXX and will be paid or unpaid, and I will report this on all XXXX numbers for Equifax Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Problem with personal statement of dispute

Complaint:
My former spouse opened a fraudulent account in 2016 by submitting a counterfeit application. She placed charges on the account without my knowledge or permission. I have spoken with the bank several times on separate dates and had been assured that they could provide me with the actual application with the counterfeit signature to pursue a criminal investigation and would remove any negative information on credit reports. 
They later recanted because they said in my history I had at one time lived at the address she used and used bank account information that had my name formerly attatched. I have not gotten a copy of the application nor has the information been removed. This information needs to be removed from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: Santander Consumer USA Holdings Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I made a settlement arrangement with Chrysler Capital on XX/XX/2020 a charge off for a car loan that I was a co-signer on. They agreed to settle the amount due to {$2400.00}. I paid them {$1000.00} ( via debit card ) on XX/XX/2020 and I have a copy of the agreement. I received communication from them immediately when I paid the {$1000.00}. On XX/XX/2020 I paid the difference ( via debit card ) of the amount owed which was {$1400.00}. 

I asked for documentation to show that the account has been settled and paid in full. They are stating that it could take up to 30 days to receive a receipt showing it's paid. I don't understand this as I received a receipt right away for the first payment. It is not a check that has to clear. It was taken out of my checking account. 

The chargeoff on my credit can not be removed without the letter from them stating the account has been settled and paid. I am being evicted from my home because my landlord is selling the house. I am trying to buy my own house but am unable to because of the chargeoff on my credit report. I need the letter showing it was settled/paid to get it removed. 

THis action on Chrysler 's part is affecting me. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXX XXXX  and I do not have a contract with LVNV Funding. Additionally, they did not provide me with the original application like I asked. I demand this account be deleted from my credit report. LVNV funding violated 15 USC 1692g when they did not provide me validation of this alleged debt. Additionally, they violated 15 USC 1681 a ( 4 ) which was an invasion of my consumer privacy, when they purchased my personal information. These are only a few illegal actions taken by LVNV. I am demanding they remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have disputed and sent copies of paid in full information to Equifax / XXXX and XXXX showing proof of payment, and all companies with the exception of Equifax has updated there records. I have been attempting to reach them to get this reported correctly for several months to no avail each time I make an attempt, I get an offshore rep from another country I can hardly understand and nothing gets done. I 'm needing them to please correct this information..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I called the credit bureau to let them know the correct information. This XXXX bill was resolved. I had spoken to a manager in corporate about my account after writing the XXXX on XX/XX/XXXX. The account was moved to a different company and it was agreed that I was to send the equipment back and I had no bill. It was paid in full and the equipment returned. I did not receive service for XXXX months ( XXXX ). I could not receive a phone call or messages. I had gone into the store on several occasions. I received a letter in XX/XX/XXXX from the collection agency XXXX. I sent them a letter of dispute within thirty days and all the documentation I had. This item was removed from all bureaus after sending the information. It appeared on all XXXX credit bureaus again from a different collection agency. I disputed the charges and the item was removed. I also filed a fraud police report. Just recently the item has appeared again from a different collection agency. I called XXXX XXXX several occasions to resolve this issue. I have spoken to XXXX representatives in different departments within XXXX hours. All representatives said something different transferred me to different departments and gave me several different numbers. Each representative left me on hold for a minimum of XXXX minutes plus. I have recorded some of these conversations. I was told I do n't owe anything and then I was told I do. I have yet to find out what for. They saw the documentation from the conversations with the manager and the several times I had to take my phone in the store for repairs. I went into the store to resolve and I could not resolve. I could not even receive a phone call from the tech department when I had phone issues with them. I paid for services I used and could get. They were changing and working on towers. This should not reflect me in anyway or my use of cellular serivce. My rights were violated when I disputed the last notification on my credit report with XXXX bureaus.The letter was received and I did not receive any proof that these charges were mine. It was instantly reported to XXXX bureaus. I would like this removed off my credit report and for it to be completely resolved. Enclosed you will find any remaining documents I have. The others were mailed to the first collection agency.This was completely resolved. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I completed a loan modification package back in XXXX 2015 to aid with my loan, I was approved by XXXX California ; however, my Lender/ Servicer `` Seterus Inc. '' will not respond to any inquiry that I make nor respond to the requests that XXXX California make to them on my behalf. Every time I call they keep telling me that they do not have any updates nor do they have the ability to find out any status update to XXXX California. Furthermore, my servicer Seterus Inc and trustee sent me a letter showing that my home will be sold on XXXX XXXX, 2015. This is unfair as Keep Your Home California is able to help me but my Servicer Seterus Inc. will not respond to their inquiries to fulfill my modification and are delaying any correspondence. I feel based on their actions that they are intestinally trying to sell my home and make me homeless, I am running out of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have contacted XXXX and they informed me as I had reported that this credit card was obtained fradulently and even though I have reported to credit bureaus and also asked XXXX to notify nothing has been done and it 's been on there for years. As for the Tax Leins ' the IRS figured those years of my taxes and they are the ones that obviously made the errors, but yet I am being financially punished.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: D&A Services, LLC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX provided XXXX that it guarantee fraud protections with its cards to prevent theft. Charges start to appear on account that ws suppose to be closed. I had asked for proper documentation to dispute debt. But in XX/XX/2019 FTC filed complaint about it fraud protection and other practices that are illegal in federal court Case 1:19-cv-05727-ELR. I have the complaint form to this document I will provide. I had informed the company these charges are not mine and I am disputing them. No form ever arrived or with various communications with the company XXXX nothing ever arrive. I am party in the lawsuit being a client the company XXXX has sent this account collections D & A Services LLC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX. Violating court order while proceeding are on going. No attempt shall be made to collect any debts until settlement is determine in the case filings. But yet I still receiving such letters even provided the complaint to agency tell them to stop harassing behavior and I infomed them next step is lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14
Company: Paypal Holdings, Inc
State: WA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have a PayPal account. I funded my account with PayPal My Cash card that I bought from a store. I then used PayPal debit card to make regular purchases. Based on those activities, PayPal freeze my account for no good reason. I 've asked them to refund my balance but they refuse to do so and said they will hold my money for 6 months. Please help and make PayPal refunded my remaining balance. They have no right to keep people money for 6 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Contacted XXXX regarding a medical collection in the amount of {$1900.00}. I was told they have no contact information on the creditor, yet they ordered me to pay the posted amount. I do not owe this amount and was covered by insurance policies during this period. Need help removing this off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: EMCC Holdings, LLC
State: VA
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: Billing dispute for services

Complaint:
We've contacted equiant and XXXX XXXX plantation several times concerning our account. We were tricked into signing up for something that had nothing to do with why we came. We canceled it and now left with a XXXX bill. We've agreed to take care of maintenance fee, which we did but they're still reporting negative on our credit. They've said plenty of times it's not them it's credit bureau but the bureau insist they only report what people report to them. We've done what was asked now they need to delete this negative item off so we can finally buy our house.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax IS NOT stopping XXXX Funding from improperly and illegally showing a collection action that DOES NOT exist, and that was already remitted before they purchased a BULK File from XXXX. 

XXXX and Equifax , HAS BEEN notified in Certified and Traceable Mailings to Cease their negligent, Willful, and Illegal activities, but they have refused to correct the errors and STOP XXXX from using their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Back in 2006 I filed bankruptcy. The hearing judge took it back to court and reversed it. I have been to the county clerk and the federal office on bankruptcy. neither show it. Now I have contacted them several times in the last6 years. Equifax is yet to remove it. I also have inquiries on my report I did not authorize and they told me they could do nothing about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-30
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I am not able to receive my free annual credit report from Equifax through XXXX as required by the FCRA. On XXXX I was unable to get my free credit report from Equifax and was asked to send request and copy of SS card, drivers license, ect by mail to get the report. I had no problem with XXXX or XXXX. Again on XXXX I was unable to get my free credit report from Equifax and was asked to send request and personal info by mail. I had no problem with XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: Affirm Holdings, Inc
State: OH
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: Problem with personal statement of dispute

Complaint:
My identity was stolen to open small unsecured loan in the amount of {$950.00} with a lender called AFFIRM Inc. On XXXX XXXX, I supplied AFFIRM Inc. with the documents they requested to formally dispute the account. These documents included a signed affidavit, police report, and copy of my government photo ID ... as directed. However, sadly, they have become non-responsive to me in this matter. I suspect in doing so, they hope the unpaid loan will move to a collection agency so they dont have to deal with it. 

I have re-sent the information NUMEROUS times but they ignore my emails requesting a status update. Calling them results in speaking with low tier individuals they are unable to tell me the status of the case. 

I will try to attach all documents if the system allows ; Identity Theft Notification & Affidavit, and a copy of the police report. 

I have disputed this twice with XXXX  but they continue to side with Affirm who states I am liable for the loan. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation