BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-19
Company: Amsher Collection Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023 I was alerted by my XXXX app that an open collections had been placed on my credit report by Amsher XXXX Collections on behalf of XXXX for {$400.00}. I was alarmed because I have never done business with XXXX ever in my life. I immediately checked my credit report for other fraudulent activity, but found none. I then disputed the collections with all three of the credit bureaus, but found Amsher later supposedly verified the information, which is again false. Amsher sent me the bill from XXXX that they were basing their information on, and I found it was from and address that I haven't lived at for over 10+ years. Amsher sent me a form for identity theft and instructed me to complete it and sent to XXXX, but again they never verified that I opened the account with a SSN #, signed document, store that they were purchased at..nothing, because again it was not me. I contacted XXXX directly and created a case with them ( case # XXXX ), but have yet to hear anything back from them. I have emailed Amsher several times asking to speak to a XXXX to have this fraudulent collections removed, but have not heard anything back. After looking up online what should I do, I found that many other consumers have had the exact issues with both XXXX and Amsher Collections. When I contacted XXXX, they could not verify the XXXX # that the phones were purchased with, and there was no hit on my credit reports ( hard or soft hit ) on my credit report for XXXX. It appears that Amsher found the matching name and previous address on my credit reports and simply applied the collections to my credit report with any due diligence on their part. I am very frustrated as this has cost me both time and money to get something off my credit report that should have never been put on there in the first place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: EQUIFAX, INC.
State: AR
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:
XXXX XXXX XXXX  XXXX account appeared on my credit report after the equifax date breach. I believe it's a fraudulent account. XXXX XXXX XX/XX/XXXX XXXX open date. I have no knowledge of this account although they seem to think I do. I'm not paying for a debit that's no mine.XXXX XXXX XXXXXXXX. I have no knowledge of this account and not sure how it got opened cause I didn't do it. XXXX XXXX XXXX account is not mine and I have no knowledge of this account. Found out about it reviewing my credit report after the equifax data breach. XXXX is displaying incorrect information about open and last active dates and incorrect payment history. XXXX XXXX is reporting incorrect information account comes back verified even though the open date and last active dates are wrong. XXXX  XXXX last active is wrong, months reviewed are wrong and incomplete payment history. XXXX XXXX XXXX last active date is incorrect. Months reviewed are inaccurate. And impcomplete payment history.XXXX XXXX XXXX incorrect last active date and I have no knowledge about this account and did not open this account. XXXX XXXX  inaccurate information. Last active date is wrong.XXXX  XXXX last active date and open date are wrong. This is not my account.equifax data breach .XXXX XXXX  XXXX inaccurate open and last actives are incorrect with incomplete payment history. XXXX XXXX XXXX open date is wrong last active date is wrong, payment history incomplete. All these accounts list are either not mine or incomplete or inaccurate to the best of my knowledge these accounts are products of a credit breach through equifax. Please remove all accounts for reasons I have listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Portfolio Recovery a credit collection account was placed on my credit reports. I have previously contacted CFPB in regards to this acct being used unauthorized. Last week Portfolio Recovery sent me a packet with a few statements. I have no knowledge of this account. 
They say this is from XXXX XXXXXXXX. I currently have two great standing accounts with XXXX XXXXXXXX so not sure how they have a derogatory account. 
I was in XXXX treatment for a few years for XXXX XXXX XXXX. At that time I was barely breathing and a lot of my information was used. I have placed security alerts on my credit reports as a result of that situation. I have attached my XXXX XXXX XXXX XXXX XXXX ID card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
State: CA
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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 2021-10-16
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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XXXX I was looking over my credit file and I just needed to update some things that are not current or accurate. The correct spelling of my name is XXXX XXXX XXXXXXXX please remove or delete any other spelling of my name it is name correct. 
I have several addresses on my credit report that are not mine please correct this at once, please. These are the incorrect addresses the should be removed : XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX  OH, XXXX, XXXX XXXX XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX MD, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-07-19
Company: Exeter Finance Corp.
State: GA
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:
I want to emphasize that I have not applied for any credit or services offered this company nor have I granted permission for them to access my credit information. Therefore, the inquiry ( s ) made by this company are unauthorized and potentially damaging to my credit score and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Good day, I have asked Coinbase support several times to change my residency address for my current one but they haven't done it properly ( country not matching the rest of the address ). Their support seems to be incompetent at carrying even the simplest tasks. 

It's an important matter as I believe financial institutions are supposed to have up to date informations on their customers. 

Best Regards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-18
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Wells Fargo purchased our existing mortgage prior to our decision to refinance. We owed approximately XXXX. We refinanced with another company, XXXX XXXX XXXX, and we closed on XX/XX/2020. On, XX/XX/2020, I received an email from Wells Fargo indicating that we needed to pay our XXXX mortgage and they had assessed a late fee. We spoke with customer service on XX/XX/2020 and they indicated that they had no record of our payoff and we needed to pay our XXXX payment. We then called XXXX XXXX XXXX  and they informed us that they had paid off our mortgage and they supplied us with a copy of the check. They indicated that Wells Fargo had it since XX/XX/XXXX and just had not cashed it. We called Wells Fargo right back and the 2nd customer service representative said that they did have the payout, but that it was short by {$230.00}. Wells Fargo informed the XXXX XXXX XXXX  title company at closing on XX/XX/XXXX that the payout was {$150000.00}. Wells Fargo failed to include the escrow amount in the payout amount when they spoke with the title company. This left our account with a deficit which began to " conveniently '' incur fees without our knowledge. If I had not been proactive and checked on this, Wells Fargo would have continued to charge fees for an account that should have been closed. The account continued to accrue interest for the benefit of Wells Fargo. The XXXX XXXX XXXX  company had their title company wire them the additional money on XX/XX/XXXX and presumably close out the account. Our main concern here is that with Wells Fargo 's questionable behavior in the past, that they are up to this same type of behavior : shorting people 's mortgage accounts and not providing the title company with the correct amount for payout in order for them to leave the account open and collect interest and fees on accounts that should have been closed. We will check on Monday that everything has been paid and that our account has been closed, but we hope that someone will look into Wells Fargo 's new practices.

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 2022-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I HAD TWO CAPITAL ONE CREDIT CARDS THE ACCOUNTS ARE CLOSED BUT THEY KEEP GIVING MY PERSONAL INFORMATION TO DEBT COLLECTORS MY SOCIAL AND ADDRESS AND PHONE NUMBERS I DONT OWE ANY DEBT COLLECTORS BUT THEY CONTINUETO SEND OUT MY PERSONAL INFO THE PEOPE I DONT KNOW A LOT OF US WAS AND STILL IS IMPACTED BY COVID AND THEY ARE GOING ABOVE AND BEYOND WITH MY PERSONAL INFORMATION AND I DONT LIKE THIS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 recently checked my credit report and to my surprise i saw many fraudulent medical collection accounts listed on my credit report. I also have been recieving calls from debt collectors about accounts that are not mine and i recieved notifications that ALL of my personal information has been exposed in several mass data breaches in the past ad current. This is extremely devastating and i request that all of the fraudulent information be removed immediately. My request is in line with the Fair Credit Reporting Act Section 605B and i have the power to exercise my rights.

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 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX PREVIOUSLY DISPUTED NO PROOF OF INVESTIGATION OR NEGATIVE PAYMENT STATUS PROVIDED

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 2020-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2020-12-17
Company: Paypal Holdings, Inc
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
i was sent money on pay pal XXXXt+hey limited my account and wont let me/ transfer money out until 180 day in the amount of {$1200.00} on XXXX XXXX i have called several times to get funds released but they keep telling me the same thing

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
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:
I was denied for getting a loan with XXXX today XX/XX/20 because there are items reflecting badly on my credit report. One of the items is from a company called XXXX XXXX XXXX. I am not affiliated to this company in any way nor did I allow them to access my credit information. I have no idea who opened that account on my behalf but I did not benefit anything from it such as money, goods, services or any other benefit. I did not make any payments towards this account I have already reported it to the CFPB as well as my local police department. I have filed this report to the best of my knowledge and will report any new information regarding this unauthorized account and inquiries listed on this report.

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 2023-02-13
Company: Experian Information Solutions Inc.
State: NY
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

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 2019-05-08
Company: Experian Information Solutions Inc.
State: NC
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 a credit card that I rarely used at the time, but now no longer use at all. It had a XXXX  balance last time I checked it. There was a fraudulent charge from XXXX on XX/XX/2018 for {$110.00}. On XX/XX/18 I realized that my credit score on XXXX XXXX had been impacted, so I looked into the situation. I noticed the fraudulent charge and then promptly disputed the transaction with XXXX XXXX. They refunded the amount and the late fees on XX/XX/2018 and considered the dispute closed. I reached out to them again to let them know that the reported late fees were still affecting my credit reporting. I reached out to Experian, XXXX and XXXX to report the issue and raised a dispute with all three bureaus. One bureau has the late payment still under dispute and the other two have reported it as resolved with no error found. My credit score dropped from around 795 to around 650 on the other two reporting agencies. Disputing a reported item will cause it to be excluded from a score, so my other score is still around 795. This is now a huge problem because my husband and I are trying to buy a house and his score is around 800. The lenders are giving us rates 0.375-0.5 % higher just because of this unresolved issue on my credit report. I am now not sure which way to go about this now. Wells Fargo has been no help.

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 2023-11-25
Company: Experian Information Solutions Inc.
State: IL
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-08-08
Company: Bright Capital Inc
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
On a date im not too sure about, i signed up for bright money which was advertised as a free service. I linked my bank account in order to get my credit score reviewed and hopefully improved. On XX/XX/2023 I received an unauthorized amount of {$60.00} charged to my account via XXXX. I never accepted this charge, never wanted it, and never authorized it. This is a fraudulent company with many complains online and I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
State: SC
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:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-15
Company: EQUIFAX, INC.
State: TN
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:
There are several address on my credit report that I have never lived at. I don't think it really is hurting me but I would like for them to be removed. XXXX XXXX, XXXX, OH XXXX,XXXX XXXX XXXX XXXX , XXXX  , TN XXXX,XXXX XXXX XXXX XXXX , XXXX, TN XXXX,XXXX XXXX XXXX XXXX , XXXX, TN XXXX. My current address has always been XXXX XXXX XXXX XXXX XXXX, TN XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: Spring Oaks Capital, LLC
State: OH
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 not liable for this debt with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not sign any paperwork or have any type of agreement with XXXX XXXX XXXX, Spring oaks XXXX XXXX. I have recently been made aware that my identity was used around the same time frame. I never lived on XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX My kids mother lived at that address. She has recently admitted to me that she opened. 
these accounts online

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
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 belongs to someone else

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not remove the account because they feel they're above the law. When questioned why they're not accepting the IdentityTheft Report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft Report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX Date Opened : XXXX XXXX, 2006 Balance {$8100.00}

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