BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-17
Company: EQUIFAX, INC.
State: TX
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:
Fourth response to remove unauthorize inquries off my credit file. " Dear Sir or Madam : As they refered to me as a Ms or Mr .. I am a man and was born a man and i find that an insult from the burea indicaticting that. 
Federal law prohibits you from inquiring about my credit history without a ) being an existing creditor with a lawful interest, and B ) without my written authorization otherwise. You inquired on the following dates : XX/XX/XXXX, XXXX, XXXX, as evidenced by a copy of my credit report, a copy of which is attached here to for your reference. Its shows XXXX inquries on my credit report and some is duplicate. 

I have pursued an amicable resolution of this issue on several occasions, yet the problem remains. Within ten ( 10 ) calendar days from receipt of this letter, provide me with a photocopied authorization form, bearing my signature, which authroized your inquiry into my credit file. 

If I do not receive same on or by the aforesaid time, I will commence legal action against you. A copy of the suit, completed but not yet filed, is attached hereto for your reference. I reserve the right to amend such action, at any time and without further notice to you, to include damages not limited to defamation of character and humiliation. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31
Company: Pressler & Pressler, LLP
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I got a letter from Pressler and Pressler. They claim I owe a debt of XXXX. I requested validation immediately. This debt is not mine and I know they have no proof but the letter and my rights say i must request validation. I sent the request certified mail to XXXX XXXX. recipient did not print name on card. I got some strange looking copies of documents. They claimed to be court transcripts from XX/XX/XXXX. I had never seen these before. There was no court appearance date. I was never served a subpoena or sent anything through registered or certified mail. Even if this debt was mine, which it is not, this would be a lack of due service. you cant just SAY someone owes you a bunch of money and have no proof. I was also given a credit card number I never had. I sent a restricted mailing to XXXX XXXX. The signature was again illegible on the return card. I advised him the documents he sent were not proof of any debt owed to them by myself. I then got another letter telling me of alleged debt to which I am advised to send another validation letter within 30 days or debt will be considered valid. How many times will I have to do this? I believe they are trying to get a default judgement but the debt is not mine. If the debt was mine, which it is not, I feel i should have heard about it long ago since on the paper i was sent it says the last payment was XX/XX/XXXX. Why am I suddenly getting letters from this place now? I realize they are a junk debt buyer but I never had this credit card they say I did. If they could prove otherwise I would not be complaining against them obviously. I feel I will be inundated with mailings from them until i get sick of it and give up. I do not wish to give up because I DO NOT owe these people any money but they are legally allowed to continue to use my name as leverage to try to obtain money that is not theirs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Opened an account with dental first financing through comenity capital bank. Promotional plan for 18 months. Account fully paid before promotional ending date. This was confirmed by the statement received from comenity. The following month statement I received a bill for {$2800.00} of interest. Made several calls to no avail. Sent certified letter to comenity home office XXXX XXXX on XX/XX/11. To include the above facts & copies if their statements to me indicating monies paid before end of promotional date. It is now in collections I have not received any response fro comenity

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Trans Union I 'm a victim of a transition glitch. 

Inquiries not authorized XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2022-03-11
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
XX/XX/XXXX at XXXX am I had regular day to get ready for work. When I wake up I see my phone to check the weather but that day it was very shocking I saw a message telling me my Coinbase account has been breached. After that I tried to login Coinbase I couldnt login then I tried to change password I couldnt. Then I saw almost 200 emails which is telling me I transferred this amount of Bitcoins at this wallet address like this Congratulations! You have successfully sent XXXX XXXX to XXXX. You can view transaction details in your Coinbase XXXX account. To facilitate this transaction, you paid XXXX XXXX in network fees. After that I find out my XXXX phone is out of service. So I had to change my sim call XXXX and they help me to restore my line. I complained to my local police and they give me a case number then I also reported to the fbi. Now I have headache mourn for my money my wife is crying day and night. Our hardworking money go all on a second. Now Coinbase they cant help me to restore my Coinbase account I called them 10/15 times. They just send me an its my responsibility to protect my password. But police want to what IP address the guy login and all the transactions in my account but Coinbase cant help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: EQUIFAX, 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:
I have taken the necessary steps to address this issue by reporting the presence of false information. Being a victim of identity theft, I have experienced significant stress and financial hardship due to the inclusion of products that are not mine and for which I am not responsible. Failure to handle this complaint appropriately may result in legal action. These false and fraudulent entries on my consumer report have hindered my ability to afford my desired vehicle and support my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: CAPITAL ONE FINANCIAL 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: Experian Information Solutions Inc.
State: IL
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: Investigation took more than 30 days

Complaint:
Based on 15 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt It has been 30 days and you are in VIOLATION of this Law because I am a victim of identity theft! Please delete those items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION! under 15 U.S Code - Permissible purposes of consumer reports ( a ) IN GENERAL Subject subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT is IDENTITY THEFT. As consumer I am demanding the deletion of the accounts listed 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 explanation
Consumer complaint received 2023-04-08
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: Information is missing that should be on the report

Complaint:
I called XXXX to ask why were collection companies were still able to access my credit report even if i had a credit freeze and fraud alert.I explained to the man on the phone that my information was compromised. My neighbor who has a collection company and has been selling my information and placing my name, address, social security number and family members names on the dark web and a lot of other sites, i was able to removed 82 so far however he continues to do this i've had 12 alias and address ' going back 40 years placed on my reports .When i finished the call a new collection from XXXX XXXX XXXX XXXX XXXX XXXX placed on my XXXX credit report and my score went down XXXX points. For a year and a half this is been going on there has been a lot of traffic on my reports why isn't anyone seeing this.

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 2022-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
1.Account name XXXXXXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Closed. 
Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Credit limit {$300.00} Highest balance {$700.00} Terms NA I have spoken with them I have sent letters to the credit bureau to the 3 agencies, I have been saying for years that it is not my account and please delete it and they have not done anything, what they told me the last time I called was that I had to pay so that they would remove it from the credit bureau, which does not seem fair to me because it is not my account. 

XXXX name CAPITAL ONE AUTO FINANCE Account number XXXX Account type Auto Loan Responsibility Joint with XXXX XXXX Date opened XX/XX/XXXX Status Paid in settlement. {$9.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Original balance {$30000.00} Highest balance {$0.00} Terms 73 Months On record until XX/XX/XXXX I have never been late on payments, and this car was a TOTAL loss, insurance and GAP paid everything. And this company reports to me that the car was repossessed, reports late payments and reports that the debt was paid for less than the value of the debt. I spoke with a person from Capital One Auto Finance and he told me to excuse them that apparently there was a mistake and that they were going to fix it, but nothing has happened, I sent all the information on the total loss to the 3 credit bureaus but they didn't do anything either. 

3.Account name XXXX XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Open. 
Status updated XX/XX/XXXX Balance {$1000.00} Balance updated XX/XX/XXXX Recent payment $ 100 Monthly payment {$52.00} Credit limit {$1200.00} Highest balance {$1200.00} Terms NA Payment history XXXX XXXX This company is reporting 1 late payment to me and I talked to them and they told me that they would fix it and they still haven't done anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: EQUIFAX, 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:
This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry  : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Experian Information Solutions Inc.
State: VA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report. Please find the ATTACHED documents to assist in blocking the erroneous items which are being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Updated XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX VA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX  XXXX Balance Owed : {$300.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$810.00} XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$65.00} XXXX XXXX XXXX  XXXX Balance Owed : {$280.00} XXXX XXXX XXXX  XXXX Balance Owed : {$540.00} XXXX  XXXX XXXX Owed : {$440.00} XXXX  XXXX XXXXXXXX Balance Owed : {$29000.00}

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 2023-07-12
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX has reported incorrectly on my credit report which is presently being reported negatively on my Experian Credit Report, I have attached the changes that they have made to my account which clearly shows incorrect reporting in certain months, Per the FCRA this account needs to be corrected and removed from my credit report. I have suffered credit denials and adverse credit decisions due to the erroneous reporting.

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 2023-01-17
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was sent a letter from IC Systems informing me of an unpaid XXXX XXXX debt that doesnt belong to me. I called and disputed the debt and also called XXXX XXXX to gain any information on the account. They were not helpful in providing me any information and IC Systems was limited as to what they could offer. I received the letter some time last week ( XXXX - XX/XX/XXXX ). IC said they received the collection requests from XXXX on XX/XX/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 2018-08-21
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I sold my home in order to pay off my student debt. I had the money from the sale of my home put into a bank account through XXXX so I could easily pay the debt online. When I made the payment through XXXX I could only find one account number online with Navient, the company servicing my loans, so I submitted the full amount for all 6 loans ( 4 for the Department of Education, 2 for Federal Student loans ). Navient took the money and paid of my 2 Federal Student Loans on XX/XX/2018 and set the remaining {$25.00}, XXXX  in my account as a credit! When I found out my Department of Education Loans were not paid and still accruing interest, I called them. Their comment was " The Department of Education does not take wire transfers ''. I explained it was not a wire transfer, but a payment directly from my account, and they told me it was not. I asked them to refund my money and they stated it would have to stay in my account for five more days, until XX/XX/XXXX as their policy was it had to remain there for 15 days after receiving it to make sure it was good. On XX/XX/2018 I went into the Navient website and manually paid each Department of Education loan off separately through the same account and they went through. The Federal Student Loans have been paid in full, shows they are paid in full, but are keeping the {$25000.00} in case it was not good? I explained it did not make sense, but they assured me it would be refunded. I still do not have the money in my account and now it shows a - {$25000.00} reversal on the Navient website, but it has not reached my account. How long are they allowed to keep my money?? I asked them if they would be paying me interest on my money since they have been holding it so long and they replied " We do not pay interest ''. They have had my money for over 20 days and I still haven't received the refund. What is my recourse???

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
PORTFOLIO RECOV ASSOC is trying to collect a debt for XXXX XXXX XXXX XXXX that was written off and a 1099c issued by XXXX XXXX. Portfolio recovery is reporting the debt incorrectly to XXXX XXXX and XXXX credit reporting agencys.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
This is my continued endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief