BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-22
Company: Incomm Holdings Inc.
State: CT
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:
After several months of communicating with the dispute department of Incomm Financial Services , Inc, regarding my VanillaGift Card issued by XXXX XXXX. I received a replacement card issued by XXXX XXXX XXXX with my name ( XXXX XXXX ) vs. ( Gift Card Recipient ) as I received in the form of a birthday present on XX/XX/XXXX. This replacement card has the exact same account number ( XXXX ) as the original but with a new expiration date of XX/XX/XXXX vs. the original gift card of XX/XX/XXXX and a new security code of XXXX vs. the original of XXXX. 
When I went to activate this new replacement card, I found it already had several transactions ( as did the original card ) already listed and with a remaining balance of {$14.00}. As I had already mentioned and documented back on XX/XX/XXXX when I tried to activate the original gift card which also showed several transactions and with an available balance of {$32.00} cents. I nor anyone known to me has ever conducted business on this account. All transactions are fraudulent and not activated by me or anyone known to me. The letter sent to me by the Incomm dispute Resolution Department after XXXX days of investigating my complaint on XX/XX/XXXX indicated the approval of a replacement card which should have been for the total of {$50.00} not {$14.00}. I have requested them to advise me of the details of their investigation and what they believe were the transactions they believe I or someone known to me may have conducted on this account. I also requested them to advise me as to how and what I can do to satisfy them that no person, me or anyone known to me, ever conducted business on this account. I also asked that they at a minimum advise me of their receipt of my request for further investigation and for them to immediately replace my card with a new card, and a new account number in the amount of {$50.00}. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 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 no consent is fraud.

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 2021-10-04
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: Was not notified of investigation status or results

Complaint:
My rights continue to be violated despite my efforts to handle this misreporting on my credit report. These account should not be on there with this false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Experian Information Solutions Inc.
State: AL
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 Accounts XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX charge off the account number is 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 explanation
Consumer complaint received 2022-12-22
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Good Afternoon, I have been a Coinbase customer for more than a year now. An account of mine has been blocked for more than 6 months and It won't let me access it. I have changed all my passwords, the card is correct and everything seems fine. I'm desperate and I don't know who to turn to. I need for my account to be unblocked, so I can access my money. I need it to pay my bills. I've written more than a XXXX e-mails and I always get generic responses. Can someone please help me? I have approximately XXXX. COINBASE CASE : # XXXX Thank you, I await a reply.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-29
Company: The CMI Group, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. 
You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07
Company: The CMI Group, Inc.
State: MN
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
My apartment in XXXX, Nebraska has a leasing agreement with XXXX XXXX. When I moved out- under my lease agreement I was to leave the equipment at the residences. Which is exactly what I did. Appartment XXXX sent me to collections for {$140.00} for unreturned equipment. It was originally {$200.00} but they used {$56.00} of credit on my account towards it. I did not find out I was in collections until XX/XX/2023. Looks like it was posted to my credit on XX/XX/2023. 

On the morning of XX/XX/XXXX, I got a written letter via email from my landlord stating they have a lease deal and no equipment was to be returned. Additionally, I called XXXX and let them know my situation. They stated that they never notified me about any unpaid amounts due to equipment. They were going to reach out to their equipment team to see if they could resolve it. 

I got an email on XXXX saying that my " equipment '' has been returned. Basically they nulled the credit to my account. I also went to XXXX online chat support on XX/XX/XXXX to get written proof from the chat transcript. They let me know that the charges have been rectified and that I would be receiving a {$56.00} credit for the incorrect equipment charge that was taken from my credit. 

These charges have already been sent to collections and my credit dropped nearly XXXX points. I need help getting this off my credit. Can XXXX reach out to the collectors to rectify this? Additionally, I have disputed collections with the creditor and the 3 credit bureaus via online. Any help and consideration to fixing this would be greatly appreciated. 

Thanks, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have my Apple Card ( Goldman sachs ) account restricted, tried to contact to them big number of times and they just say account under review, its already going few months

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22
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:
I called the 3 credit Bureaus after I purchased a credit report in IdentityIQ. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible.Here are the list of disputed items : XXXX I XXXX XXXX XXXX I 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 DC XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original XXXX : XXXX XXXX ) XXXX Balance : {$280.00}.

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 non-monetary relief
Consumer complaint received 2022-11-08
Company: Freedom Mortgage Company
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I on my new home on XX/XX/2022, I paid the downpayment to the closing agent, XXXX XXXX. I closed on the house I was at another closing earlier in the day. So the proceeds were paid at the time of closing, which was processed at the title company as well. The transaction was handled by the realtor. I called my previous lender to let them know that the home was sold and Affiliated Title of Central Florida XXXX XXXX XXXX XXXX. I called the title company several times as the check for the payoff of my previous house seemed to be caught up in some kind of slowed down process. In the meantime, my previous lender was reporting the loan as delinquent. I called the lender to ask them why, they did not have a answer for me finally the title company sent the check to them but they reported the loan as being delinquent, for both XXXX and XXXX. I am enclosing the letter the Lender sent with their response. Both of our credit score where hit by more than XXXX points. You will notice in the document from the Lender that we had the loan for 2 years, every payment was made on time. I have a hard time understanding why if I close on a home, I'm still responsible for the loan. Freedom knew we were selling and they also sent a closing statement to the Title Co. It really hurt us at a very bad time and we worked very hard to make sure we pay our bills and I watch our credit. I asked Freedom if there was something they could do, they apparently feel they weren't responsible. Please respond

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 2020-06-16
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX XXXX, US DEPT ED. Inquiries : XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXXXXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In Accordance with the Fair Credit Reporting and XXXX Account, the below listed accounts has violated my rights. 

15 U.S.C 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 602 A. also states that a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX ( Finance ) XXXX  ( Bank ) XXXX XXXX : Last reported XX/XX/XXXX {$250.00} Open balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Last reported XX/XX/XXXX Reported balance : {$330.00} -- -- - Highest balance : {$330.00} XXXX XXXX XXXX XXXX XXXX : Last reported XX/XX/XXXX Reported balance : {$19000.00} -- -- Highest balance : {$25000.00} XXXX XXXXXXXX : Last reported XX/XX/XXXX Reported balance : {$1100.00} -- -- - Credit limit : {$600.00} XXXX XXXX : Last reported XX/XX/XXXX Reported balance : {$690.00} -- -- - Credit limit : {$500.00} XXXX XXXX  : {$18000.00} Reported balance DEPT OF ED / XXXX : {$7500.00} On time DEPT OF ED / XXXX : {$4000.00} On time DEPT OF ED / XXXX : {$3100.00} On time DEPT OF ED / XXXX : {$3100.00} On time DEPT OF ED / XXXX : {$330.00} On time DEPT OF ED / XXXX : {$240.00} On time XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Reported balance : {$0.00} -- -- Highest balance : {$9000.00} XXXX XXXX XXXX : Last reported XX/XX/XXXX Reported balance : {$0.00} -- -- - Highest balance : {$9600.00} XXXX XXXX : Last reported XX/XX/XXXX Reported balance : {$0.00} -- -- Highest balance : {$5200.00}

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 non-monetary relief
Consumer complaint received 2020-06-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have sent XXXX letters dated XX/XX/2020 XX/XX/2020, and XX/XX/2020. 



Asking them to Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? and evidence that I am legally responsible for the debt. And they have not provided the information at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
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: Credit inquiries on your report that you don't recognize

Complaint:
These two Hard Inquiries are not mine. 
XX/XX/2021, XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/2021, XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Experian Information Solutions Inc.
State: OR
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:
My consumer rights and privacy under 15 usc 1692 et seq and 15 usc 1681 et seq. This company murdered my consumer profile denying my credit because of unauthorized inquiries. On XX/XX/2022 the first letter was sent via certified mail asking for unauthorized information to be removed from my credit report. On XX/XX/2022 second letter was sent via certified mail asking for unauthorized information to be removed from my credit report. On XX/XX/2022, on report third letter was sent via certified mail asking for unauthorized information to be removed from my credit report. None of my request have not being honored. Experian is declining to sent any document signed by me approving this inquires. Thank you.

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 2022-12-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I mailed a written letter to stop all communication with me regarding a debt, and the company is still calling and trying to contact me. The certified letter was delivered to the company on XX/XX/22. I have attached the certified mail receipt along with this complaint. The company has tried contacting me on XXXX, XXXX at all hours of the day. 

XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
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:
XXXX : Account # XXXX SS # XXXX To Whom It May Concern : " On XX/XX/XXXX Complaint number XXXX, I requested your company is reporting the below-referenced account on my credit report as a collection account. 
XXXX  XXXX I have disputed this item with the credit reporting agency, and they reported you confirmed the account as valid. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. '' Today I received your response which included credit card statements ; rather than an application or alleged contract bearing my signature, as well as any proof of your authority in this matter. 

Since you were unable to provide the requested documentation there remains no option other than to remove this erroneous reports of this past debt as mine.

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 2020-06-15
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
In XX/XX/XXXX, I submitted a student loan borrower defense application. In XX/XX/XXXX, I received a letter from Navient that theyve been informed from the Department of Education about my borrower defense application and would put the account on a 12 month administrative forbearance. In XX/XX/XXXX, I received a letter from the Department of Education that a class action lawsuit had been filed against them due to their lack of responding the borrower defense applications. In that letter, it stated that the loan servicer is not allowed to attempt to collect the debt until after a decision is made on the lawsuit. I have another loan servicer for a loan not covered in the lawsuit that put the loan on hold for 3 years. Navient is still attempting to collect payments and harming my credit with incorrect and inaccurate statements. I contacted them to question their practice in XX/XX/XXXX, they sent me an email stating they have no record of such a notice from the Department of Education. 

Also, because of the COVID-19 outbreak, the Department of Education is unreachable and an order is in place that no student loans are supposed to have collection attempts. However, Navient is continuing to do exactly that. Their website has a posting that as of XXXX XXXX, that all payments and interest has been suspended until XX/XX/XXXX. However, Navient is continuing to add fees and interest and attempt payment collection.

Company response to consumer: Closed with explanation