BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-23
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: Account status incorrect

Complaint:
I have been reaching out to Equifax concerning to previous complaint about the inaccuracy being reported on my report. However, Equifax have failed to provide me any feedback and updates with regards to my concerns. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Please see the following list of the inaccuracies I found on my report : XXXX XXXX XXXX  XXXX on XX/XX/2019 XXXX XXXX on XX/XX/2019 XXXX XXXX on XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
There are 20 hard inquiries showing in my report an I want them removed they are violating my consumer rights. 15 usc 1692k and 15 usc 1605

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 2019-07-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am writing this complaint because SPS told my law group not to work for m. SPS told XXXX XXXX XXXX XXXX XXXX XXXX to threaten me. They told XXXX to lie and tell me that they have not scheduled a foreclosure sale date. However XXXX XXXX an attorney in XXXX, GA. has told XXXX XXXX and XXXX today ( XXXX XXXX ) that they scheduled a sale date for XX/XX/2019. Also, XXXX ( An SPS employee ) told XXXX XXXX a lie that there was no sale date. XXXX ( SPS ) told XXXX and XXXX this lie Im XXXX XXXX. XXXX ID XXXX. XXXX also told XXXX XXXX that she sent me a letter on XXXX XXXX to rescind the conversation she had about no slaw date. I would like for CFPB to fine for these lies and I would like for SPS to tell XXXX XXXX and XXXX XXXX to stop threatening me with foreclosure sale date. Also, I am not doing a short sale or Deed in Lieu. Stop the threats.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: Navient Solutions, LLC.
State: MT
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:
I graduated from XXXX  XXXX in XXXX. XXXX of my XXXX student loans was assigned to Navient, and the rest to a different organization. I attended graduate school at the XXXX XXXX XXXX  from XXXX to XXXX. Apparently, in XXXX of XXXX Navient attempted to start collecting on my XXXX student loan. However, they never informed us of such. The only method Navient used to attempt to reach me was, according to them, through my XXXX  XXXX email that I have not used since XXXX. In fact I do not believe I even have access to that email anymore. Navient did not send any bills to my permanent address, which has been my permanent address since XXXX, nor did they use any other method to reach us. In XX/XX/XXXX I attempted to refinance my student loans with XXXX. I've had good credit my entire life. My loan was denied. The reason for my loan was because apparently Navient put a massive hit out on my credit when we had no notification of bills being due. We moved quickly to address this, challenging the hit on my credit with all 3 reporting agencies. However, it is now the end of XX/XX/XXXX and I was just denied refinancing again because of Navient. Navient has updated the report to indicate that we have paid back what is owed and up to date on payments, but they are refusing to remove the hit on my credit report with XXXX  stemming from 4 months of bills that we never received XX/XX/XXXX through XX/XX/XXXX. When I spoke with XXXX  for an hour on the phone they opened another challenge to this hit on my credit, but indicated that the only factors they will consider are whether or not the payments were late, which they were which leaves the decision to remove the damage to my credit entirely up to Navient which has thus far refused to undo the damage they caused, or to file a fraud report with the police or the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by XXXX ( national credit adjusters ) saying they have been contacted to collect a debt that I owe from Cash Central in Idaho XXXX Idaho on XX/XX/2013 account # XXXX amount of {$400.00}. XXXX is trying to get {$500.00} due to interest their account # XXXX. I did not create this account or debt. The person from XXXX told me to contact this website to get a affidavit of fraud and send that to them, I could not find that on this site, so I am taking this route.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
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: Personal information incorrect

Complaint:
I sent a letter dated XX/XX/2022 to XXXX, XXXX and Transunion detailing the furnishing of inaccurate information listed on my credit report ; including an incorrect address, accounts more than 7 years old, and unverified accounts.

My letter further explains how I reached out to each creditor listed on my report and requested within 30 days of receiving my letter they verify, through documentation that I am responsible for the accounts they are falsely reporting. As of XX/XX/2022 I have not received any verification from any creditor. 

The letter request that these items be investigated and removed, as of today 's date XX/XX/2022 no action has been taken in regards to updating my credit report by any of these reporting agencies.

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 2021-07-23
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
There are 20 hard inquiries showing in my report an I want them removed they are violating my consumer rights. 15 usc 1692k and 15 usc 1605

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In accordance with the Fair Credit Reporting act. XXXX XXXX, XXXX Account # XXXX, and XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

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 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 2019-07-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My wife and I refinanced our home in XX/XX/XXXX with XXXX XXXXXXXX XXXX ; MB Bank bought the mortgage and 5th/3rd Bank merged with MB Bank. We were  monitoring when we would have the mortgage insurance removed for years. MB Bank told us it would be removed in XX/XX/XXXX. A few months before this date 5th/3rd Bank sent us information telling us they were the new mortgage holder. We contacted 5th/3rd to have the PMI ( mortgage Insurance ) removed by XX/XX/XXXX and continued paying the same premium, as we were told by 5th/3rd Bank, to not cause a default. We were told the excess money of approximately {$63.00} would be returned. We spoke again and were told they would get this information right in and we would hear something in writing in 10 days. After paying XX/XX/XXXX 's premium we contacted 5th/3rd Bank again and were told it was denied because we had to have a loan equity ratio of 78 % and our ratio was 78.5 %. We spoke with a supervisor that told us this was based on an appraisal of {$170000.00} made in XX/XX/XXXX, and that no new appraisals are being accepted. I had an appraisal today XX/XX/XXXX of {$190000.00}. 
This appraisal was done without them knowing about the new roof in XX/XX/XXXX, total remodeled bathroom and granite countertops in the kitchen. If I put my house up for sale I would ask {$190000.00}. The numbers are ambiguous, its not right and the PMI should be removed. I have inclosed the original closing document showing the mortgage insurance of {$74.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
We have a PayPal account which was hacked. We are unable to get a human to resolve this issue. The customer service numbers are all bots. SOmeone hacked {$8000.00} from our PayPal account which was tied to a XXXX account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-10
Company: EQUIFAX, INC.
State: FL
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 act XXXX  account # XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN ONE CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2017-06-28
Company: Coinbase, Inc.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Coinbase recently moved to a account confirmation process that requires either a webcam or smartphone to complete. I have tried using both and I can not get the ID verification to work. ( Note that I already was approved for the exchange and using Coinbase regularly before this new procedure was implemented. ) As a result, I can not buy or sell virtual currencies I hold via the Coinbase exchange. I have tried every alternative I could find, but the only Coinbase support readily available is a bot that spits out canned answers that do not fix the problem. I have made three requests to speak with a human who can get me back online, and I have had no response. There are many other problems with Coinbase as well  -- they are apparently overwhelmed and the site goes down all the time -- but right now I just want access to my account so I can liquidate my holdings there.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: ENCORE CAPITAL GROUP INC.
State: AZ
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:
I have filed a complaint against XXXX where they are reporting that XXXX XXXX says I owe them {$1000.00}. XXXX came back saying that it meets the " Fair Credit Reporting Act ''. I have not done business with XXXX XXXX Bank. They came back and now show this as a debt to " Midland Funding '' who is listed as a " debt buyer '' with original creditor as XXXX XXXX XXXX. XXXX XXXX XXXX is fraudulently reporting that I have done business with them, when I have not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-18
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: Was not notified of investigation status or results

Complaint:
In early XXXX when I learned I had a incorrect collection acct. report from XXXX XXXX Equifax reporting agencies, I filled a dispute online with both. Within 30 days XXXX  had removed it, but Equifax had not. I then went on the Equifax website and disputed it again. After aprox. 60 days I had still not recieved any comunication or resolution so I called them and requested this to be disputed a XXXX time. To date I still have not even received a response to this issue, and I am now unable to get through to their website or phone number. At this point I even tried to go back to the doctors office where I thought this had originated and learned from them it was from XXXX XXXX and given their # XXXX XXXX. When I contacted them they said there was nothing showing it was sent to collection, which made even less sense to me as to where the incorrect report originated. But they told me they would investigate and gave me comp # XXXX. I also have a copy of my cancelled check # XXXX dated XXXX/XXXX/XXXX, for {$200.00} that was sent as soon as the bill was recieved, yet this collection was recorded as opened in XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-26
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Chase Bank did not waive my monthly service fee even though they have many times before. This is one of the few times in a while I did not meet the requirements to get the fee waived. Honestly dont even bother with Chase Bank. There are MANY others that wont charge you a fee and dont have monthly requirements to get it waived.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-10
Company: PNC Bank N.A.
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I refinanced my XXXX XXXX XXXX  which I financed with PNC  Bank. Around XX/XX/XXXX, I refinanced my vehicle with XXXX XXXX. Without being notified, PNC Bank received the pay out check for my vehicle from XXXX XXXX and cashed the check through their accounts. The check was sent back to an address for XXXX XXXX who could not locate or retrieve the check for over 3 months. During this period of time, neither XXXX XXXX or PNC Bank contacted each other. After my own efforts of due diligence, I learned of late payments that accrued on my PNC Bank account. In addition, XXXX XXXX contacted me after multiple complaints, that the payout check from PNC was returned and sent to a branch that XXXX XXXX was not aware of. XXXX XXXX then took the payout check, cashed it and closed my account with XXXX XXXX who had issued me a lower rate and cheaper car note payment than PNC. After I contacted PNC, they told me to contact their PNC Bank Consumer Credit Bureau Investigation Department to inquire on how to have the late payments removed. Due to these late payments, my credit score has dropped significantly due to a lost check which was sent from PNC to XXXX XXXX. I now have to pay a higher car note with higher intrest rate and my recourse is only to re apply to have my credit ran again with hard inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Audit & Adjustment Co. Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am having two issues : 1 ) This company reported on my credit without sending me a written notification and allowing me a chance to dispute & validate the debt. This is highly illegal to report without notifying me in writing first. 

2 ) There is no debt owed to the original creditor, when I called them, they said I did not have any bill with them. 

This company refused to delete this when I called their office and they have violated numerous consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Experian Information Solutions Inc.
State: FL
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 received an Email from Experain.com that I have a collection On my credit when I Check my credit profile I seen the inaccurate Account on my files that I did not Authorize I had This issue in the past. I thought it was over, now I'm noticing someone is trying to open knew Accounts using my personal Information please put a block on my credit where if someone pulls my credit i would have to be notified.

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 2017-06-28
Company: National Credit Systems,Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid off the balance to National Credit Systems. When the item was placed on my credit in 2016, I was not aware of this debt or this collection agency. I told them this was unfair because I had not been contacted by them or even been given a chance to correct the issues before being put on my credit report. XXXX, the company representative stated that it would be removed from my report when paid in full. I paid the balance in full. However, it is still on my credit reports - all 3 bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XXXX XXXX, 2017, I attempted to access my credit card account with Capital One. When I entered my username and password, a message appeared stating, " We have detected something different about this sign in. Please choose a way to verify your identity before we take you to your account. '' I was unable to proceed to my account information. <P/>I submitted a letter to Capital One, explaining the problem, and requested that Capital One provide a written explanation concerning my sign-in. Capital One responded with a letter dated XX/XX/XXXX, a Case # and a request that I contact their customer service representatives. <P/>On XXXX XXXX, 2017, I submitted a second letter explaining the problem, and that a customer service representative was unacceptable, due to the nature of the problem. I ordered Capital One to provide me a written explanation of the problem, or have a technician contact me. <P/>Thereafter, sometime between XX/XX/XXXX and XXXX XXXX, 2017 a male called with an XXXX accent. I could not understand what he was saying. I said to him, " please have someone call, that speaks English ''. <P/>As of XXXX XXXX, 2017 I am still unable to access my credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: Aargon Agency, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Aargon Agency Inc has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send statements. Send my actual signature on a contract. As this debt is Not mine. <P/>Sent XXXX, XXXX, and XXXX a notarized affidavit signed by the bank. Requesting to be provided proof I consented to the inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. XXXX, XXXX, and XXXX has refused to provide the proof under the FCRA section 609, 605 as well as the accuracy via FCRA section 623

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