BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-08
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or around XXXX XX/XX/2023, I fell victim to XXXX multi-layered scam operations run by XXXX. 
XXXX ( the XXXX ), which involved me making deposits for a total amount of XXXX my Coinbase account to a fraudulent investment firm ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX XXXX Open Date : XXXX XXXX, XXXX Balance : {$0.00}. Please delete this account ASAP.

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 2023-01-13
Company: NEW IMAGITAS, INC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I'm not sure if this is the correct complaint section to list this under but I will do my best to explain. I closed a mortgage through one of Bankrates providers and they promised a XXXX reward card when I closed a loan with them. I uploaded the required documents ( Closing Disclosure ) and they confirmed it would be up to 60 days to " review. '' Well, I uploaded those documents after I closed on XX/XX/28 and have attempted to contact them several times since but receive no reply email or phone calls and it appears they are hoping I move on and don't take action on what they promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not open these accounts I HAVE A POLICE REPORT NUMBER FOR THESE ACCOUNTS XXXX. XXXX XXXX XXXX XXXX. THESE ARE NOT MY ACCOUNTS PLEASE REMOVE ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I was given a background check for a future employer, I passed, but looking at it, I have an address of which I've never applied to, lived at, or known was even knew were here in the area. It states that it's an apartment, but the address is in a housing development. This is incorrect information because it'll hurt my chances of employment. I also have a second living arrangement that needs to be changed. The address given for the first error is XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, TX ... I did have an address at XXXX XXXX XXXX, the same apartment number. 

The second wrong address is XXXX VA, part of the XXXX area VA medical. It's a medical facility, not a residence. I'm really kinda weirded out by this because no one lives here as it's a medical facility. The address to that one is XXXX XXXX XXXX  XXXX XXXX, XXXX, WA. I've never lived in any VA facility nor will I ever. Yes, I'm a veteran of the XXXX XXXX, XXXX, but no, never been lived in the address.

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 2018-05-14
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hello I received a big bill from discover that I didn't do or open up and I want this to be fixed and I also contact them and open up a dispute and they took it off my credit report for few weeks and later called me and told me to go to the police station and filed a report and I told them I did it online and I wont go in person because I have active warrants and I have a girlfriend who is not a XXXX XXXX I don't want her getting XXXX  and they closed the dispute and rebilled me and today I called on XX/XX/2018 and reopen the case and they refused and told me pay the bill and its on my credit report as of today

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to bring to your attention my ongoing dissatisfaction with the handling of fraudulent items on my credit file. Despite multiple attempts on my part to rectify the situation, the fraudulent items persist, and I find the repeated lack of resolution to be unacceptable. 

Clearly outline the nature of the fraudulent items, including dates, amounts, and any relevant transaction details. 

Provide a brief summary of the steps you have taken to address the problem so far, including dates and methods of communication with the company or service involved. 

If applicable, mention that you have attached any supporting documentation, such as screenshots, emails, or correspondence related to the fraudulent items and your attempts to resolve the issue. 

Describe the impact the unresolved fraudulent items have had on you, whether it be financial stress, inconvenience, or any other relevant consequences. 

Clearly state your expectations for resolution, whether it be a full investigation into the matter, a refund, or any other appropriate action. 

Specify a reasonable deadline for the company or service to respond to your complaint and take corrective action. 

I am asking for your assistance to remove the fraud items : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: In progress
Consumer complaint received 2020-09-28
Company: ARVEST BANK GROUP, INC.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Hello, My compliment is about unfair and invalid two fees were charged from my account. my bank account with Arvest is " Free Blue '' without overdraft service protection. 
The transactions are : XX/XX/2020 MEMO CREATED BY NSF SUPPORT : {$17.00} MEMO CREATED BY NSF SUPPORT : {$17.00} I don't know why I have been charged those fees, I tried my best to solve this problem with the bank, but the staff were very hard and not understandable, and very rude with me. Every one of the staff trying to told me this is our policy and we have to follow, and I'm not sure why they did not tell me that before when I opened my account. That's so unfair from a Bank company.

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 2021-02-11
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I received a $ XXXXVisa card as a gift and I made one purchase for the amount of {$33.00} and another one for {$100.00} total, when I tried to used the card again it was declined so I check the card statement online and had XXXX balance because somebody use it in a location 40 mi.away from where I live I contacted the visa gift card customer service and they ask me for the card number as well as for the bar code number and they said theyll check for me so when I get back to check my card everything was removed from the system an unfortunately I did not screen shot the statement where it was showing where the card was used but I wrote it down and I have the card in my possession and Ive been trying to settle the dispute with the credit card company with no luck because they need the proof of purchase but I dont have it and Im not going to tell the person who gave it to me what happened is upsetting because if the credit card company check the card statement they easily find where the card was purchase so these is my last hope to recover the rest of the money thank you for your attention.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-10
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: Account information incorrect

Complaint:
XXXX XXXX XXXX is still reporting me missing payments ... ..like last month ... .when car was returned to them in 2012 and I was told it would be resold and I would be notified of any shortfall I would owe. Account was closed in 2012. I later wrote to them requesting information on the sale of the car, to whom sold, and for how much as my attorney said they had to do that. Nothing back from them. My attorney suggested that they were leaving the debt on me and had pocketed any resell cash from a " friendly '' party. I would like them to cease and desist once and for all reporting against my credit as if this were an ongoing loan and I am missing payment! 

Help?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: ME
Product: Credit reporting 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 according with the fair Credit Reporting Act XXXX Account : XXXX - XXXX XXXX XXXX, XXXX - XXXX 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 right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furbish an 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 explanation
Consumer complaint received 2023-04-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX  I sent out certified letters regarding inaccurate and unknown things on my credit repots to XXXX, XXXX, and XXXX. On XX/XX/XXXX  I sent a letter to both Portfolio Recovery Associates and XXXX XXXX with no response from XXXX XXXX. After feeling as though I am being taken advantage of I decided to file a complaint with the CFPB. On XX/XX/XXXX  I filed a complaint for both Portfolio Recovery Associates and XXXX, Today XX/XX/ I received and email from the CFPB Stating that this complaint ( XXXX ) lists someone the company does not recognize as their customer or their customer 's authorized representative. I demand these accounts be removed immediately or I will have no other choice but to file for litigation due to the stress this has cause me and how this has affected my ability to provide for my family. My information has also been impacted by the XXXX data breach and my have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: Experian Information Solutions Inc.
State: NJ
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:
In regards to my credit score, Experian has dropped my credit score 20 points from XX/XX/XXXX till now. There has been no change in my credit nor have I endured any more debt. There is one negative report on my credit which occurred in XX/XX/XXXX. There have been no late payments or delinquencies. That being said, I dont understand why this has happened. I have not received adequate information as to why the drastic drop in my credit score. It has gone from excellent to very good which might affect my purchasing power. I would appreciate in information regarding this issue.

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 2022-12-19
Company: Amsher Collection Services, Inc.
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022 @ XXXX, I was reviewing my XXXX XXXX Credit Report XXXX When I noticed a Collection that was unknown to me. 

Am Sher Collections Services is listed on my credit report for {$69.00}. The original creditor is XXXX XXXX. 

I called the phone number listed on the credit report - XXXX. At XXXX XXXX I spoke with a lady who would not give me her name. After giving her my name and Social Security Number she stated " We don't have a listing for your collection ''. 

This was reported to the credit report on XX/XX/2022. I was never notified of this debit. When I called to get more information I was told they don't have anything for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Information that I own money to the dept of defense is incorrect and I do not own this I have sent the information for dispute as well as the reason I dont owe this.. this was an error on the finance ( unit ) And child support which Im up to date on

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 2020-09-28
Company: Trident Asset Management, L.L.C.
State: GA
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 dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: EQUIFAX, INC.
State: IL
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 has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1682 section 603 A section 2 : It also States a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Hello, After disputing account XXXX XXXX ACCT # XXXX multiple times I filed complaints with CFPB for the account with XXXX, XXXX and Experian. Complaints and complaint results are attached. All three claim to have verified and updated the account, however as of my credit report dated XX/XX/2023, the account still has inconsistent information with all three bureaus which include, the high credit, date last active and date of last payment. Clearly after many disputes and my last complaint the account still is not reporting accurately. This is gross negligence on behalf of the credit bureaus and a violation of my consumer right.

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 2023-07-17
Company: CITIBANK, N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
When I open the basic account, on XX/XX/XXXX, I had used the promotion code saying that if I have XXXX direct deposits in to this account with total amount of {$1000.00} within 90 days of opening the account, I will receive {$200.00} as a intro bonus. 
However, after the XXXX direct deposits went in and no bonus coming in, I called the customer service around mid XXXX. They replied that they put a claim for me to receive that {$200.00} and told me that I should be expecting it within XXXX week. After XXXX weeks, I still haven't got the bonus. I called again for that, they said exactly same thing. Another XXXX weeks passed, I still haven't received the bonus. Then, on around mid XXXX, I called again, they told me the reason I haven't received it is because I will need to wait for 90 days in order to receive that. She gave me a certain day on XX/XX/XXXX. She said, on XX/XX/XXXX I should have received the amount. Today is XX/XX/XXXX, the amount is not in my bank account. 
I called again, and they told me I am not qualified for that bonus. They have been changing their words for avoiding delivering what they advertised. {$200.00} is nothing but it is a fraud if a company do not deliver what they promised!

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 monetary relief
Consumer complaint received 2018-04-10
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I went to XXXX in XX/XX/2008. I was charged a total of around10,000. My loan was split up into 4 or possibly 5 different loans. I paid off 1 that was a total of XXXX I got them to let me pay it for XXXX. So now I just owe my bank. I have another one that's XXXX? interest? I understand I was in forborence for quiet some time. but is that legal to let your charges get that high.

I paid for several yrs XXXX sometimes less sometimes more. never seem to go down. they always had an excuse why. I want answers not excuses. im willing to pay but c'mon.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: EQUIFAX, INC.
State: PA
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:
I am writing because Equifax is listing erroneous and fraudulent information on my credit report. Be advised that this is not a refusal to pay a debt, but a notice was not sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) hence the debt claims are disputed as validation was never sent to me. 
I am NOT requesting for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligations to pay these accounts : XXXX  XXXX/XXXX/XXXX I do not even know which one is the company, I have 3 different names on this alleged account that claims {$2100.00}. This account is unknown and was not validated. 
XXXX XXXX XXXX ( XXXX ) claims {$170.00} account is unknown, and was not validated Please provide me with the following as an investigation by Equifax to validate these claims : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed including MY SIGNATURE to pay what you say I owe on these accounts ; Provide a verification or copy of any judgment if applicable

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened a checking account with First National Bank on XX/XX/2023 with the promise of reward of {$600.00} credit to my account if I had direct deposit in the amount of {$1500.00} in the first XXXX days and automatically make XXXX car payments with the same account. Both requirements were met and First National Bank only paid {$300.00} to the account

Company response to consumer: Closed with monetary relief