BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-07
Company: NCB Management Services Inc.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A debt collection company named NCBI called me and has been calling me for several months now using local numbers. I finally called back and they stated that I took out a loan in XX/XX/2017 for {$2500.00}. Supposedly I agreed to pay {$310.00} per month on the XXXX of every month and was now in the hole for over {$3000.00}. The personnel I spoke with all seemed to have XXXX ( from XXXX ) accents and all seemed to have normal American sounding names. I argued with them but they threatened my credit score and lawful penalties if I did not agree to resolve this bogus loan. I called out the last person I spoke with, a supervisor, and she became agitated with our conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
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 is missing that should be on the report

Complaint:
I want Trans Union to add my employer to my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, CA XXXX, XXXX   Position : XXXX XXXX XXXX, Yearly Salary : {$350000.00}.

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 2023-03-13
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: Account status incorrect

Complaint:
We optioned to enter a forbearance period for our mortgage after experiencing financial difficulties after having XXXX XXXX and losing hours of work and the subsequent reduction in weekly pay benefits. We only needed one month but was given approximately 6 weeks. Prior to ending the forbearance period I spoke to XXXX XXXX about my payback options and how the whole procedure would or would not affect my credit. I was told that I would have 45 days to pay back the missing months as well as catch up ( or make ) my payments for the coming months as well. XX/XX/XXXX was the first official date to exit forbearance and I could not access any payment options online. Tried to reach out to XXXX on paying but I didnt get a response. Today ( the XXXX of XXXX ) I paid back the full amount of the forbearance but was told that I would incur late fees for XXXX and that I have been reported as 60days late to the credit bureaus.

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 2020-06-13
Company: FinCo Services Inc DBA Current
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On Wednesday, XX/XX/XXXX I was contacted by what I thought a Current representative. During the phone call, the associate let me know that they were calling from Current and there was suspicious activity in XXXX XXXX, Texas. They told me they were going to send me a new card, to which I accepted. They sent me a verification code to which I let them know. After about 10 minutes, there were more charges from my card, sending {$160.00} to an account of a person named " XXXX XXXX '' which I did not approve of. The person who accessed my account, then changed the account email from mine ( XXXX ) to theirs ( XXXX ). There was also two remote logins from devices I do not own, one being an XXXX XXXX XXXX and the other being a XXXX XXXX ( XXXX XXXX  XXXX ). After realizing I was being hacked, I contacted my company 's payroll department, and had them delete my account to prevent any future money coming through. Unfortunately, my paycheck was already finalized for the amount of {$1300.00}. 

For the next few days, I contacted Current by phone, email, XXXX, and XXXX. 
Current does not have any phones at the moment due to COVID-19.  I even went as far to call the company which provides their cards, which is XXXX XXXX XXXX. XXXX XXXX was more than helpful, however they can not access my account. I called them Wednesday XX/XX/XXXX, Thursday XX/XX/XXXX, and Friday XX/XX/XXXX. Each time the representative from XXXX said they sent an email to their contacts at Current as a high priority message. 

Their email support team refuses to help me since my email is no longer on an account, even after providing proof of being hacked. 

On XXXX I provided screen shots to show I was hacked. I messaged them Thursday, XX/XX/XXXX. They replied Friday XX/XX/XXXX to which I replied and have not been responded to. 

On XXXX they never replied to my message. I sent the message on Wednesday, XX/XX/XXXX. 

I am needing those funds that were taken from me, as I am now late on my cable bill and I am due to be late on my car payment and car insurance. I also had to sell stocks through my XXXX  account to pay for my dog 's veterinarian bill. 
Regardless of me being scammed or hacked, the company is FDIC insured, and should be protecting my money and assets at all times. They should have a direct line of contact to prevent ordeals like this and to prevent it from happening to other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently reviewed my credit report and I was shocked to know that I have been a victiom of identity theft. I found an account on my credit report that was not opened by me. This has been hurting me, as I am in the process of trying to close on a home. Please remove these fraudulent accounts from my credit report as soon as possible.

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 2023-04-12
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX acct XXXX ( total {$1500.00} originating from 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 furnish a account without my written instructions. I have attempted numerous times over several years to have this issue corrected with no relief and it is hindering my ability to purchase a home as a single mother with no support from the other parent

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 2020-06-13
Company: Experian Information Solutions Inc.
State: NC
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:
My balance on loan is not being reported accurately as well being reported on time. Balance credit report shows is from XX/XX/2020. It is now XXXX and XXXX 's payment will be due soon. If I was missing my payments there seems to be no issue with the negative information being reported on time. So what is the issue with reporting all information accurately and on time weather negative or positive. I as a consumer have 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 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXX : {$560.00}

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 2023-05-28
Company: Self Financial Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 4 Self Inc will not delete inaccurate information please have them removed it effectively immediately thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: American First Finance, Inc.
State: WI
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:
American First Finance has failed to update my payment history reflecting as paid as agreed. After company pirated unauthorized payments from my bank account to force a completion of a deferred payment plan, they failed to report my account as paid as agreed as promised. Currently this account is reporting as late to the credit bureaus causing me to be unable to secure necessary funding for my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.

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: NY
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 : {$170.00}, {$170.00} XXXX XXXX XXXX, : {$3000.00}, {$3000.00} XXXX XXXX : {$1000.00} XXXX XXXX  : {$600.00} XXXX XXXX XXXX : {$650.00} XXXX XXXXXXXX XXXX : {$830.00} Portfolio Recovery Associate : {$1900.00} XXXXXXXX XXXX XXXX {$890.00} These are third party collection agencies that I do not owe anything to. I've never signed nor had any contract with these companies. These companies need to provide a signed contract between myself and them. These collections need to be removed immediately. I have contacted the debtors by mail and online to disputed these inaccuracies and have them deleted. The Tila law and the USC code by reporting inaccurate information on my credit report without contacting me first.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened a credit card on received it on  XXXX   XXXX   2017 , I was billed a {$75.00} annual fee on  XXXX   XXXX   2017 . On  XXXX   XXXX  my account was closed by the bank.   I asked to have my annual fee refunded and was advised that after the statement date I would be receiving the {$75.00} back. on  XXXX   XXXX  i Reached out to the bank and was told that i would not be receiving a refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-30
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
My problem is with coinbase. Case # XXXX - Lost phone. 

I lost my phone in a taxi and promptly reported it lost with coinbase on XX/XX/2021. Per their policy it would take 10 business days for them to verify my new phone and unlock my account. I followed all steps as detailed on their website to restore access. They never contacted me. I have wrote customer service and the only response I received was them asking me to wait. I sent my last email to their customer service department on XX/XX/2021 asking them to address the problem. As of XX/XX/2021 I have not received a response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-14
Company: Experian Information Solutions 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:
Hello, On XX/XX/2018, I received a phone call while outside the company on a vacation with my family. The caller stated that he was calling from XXXX XXXX and stated that we were referred to him by an individual to offer us business credit card for our business use. I was initially hesitant but agreed to proceed only if the card credit decision will be based solely on the business credit report. This was made very clear then I am asked for my social security number. I refused to give him my social security number and made it absolutely clear that I wouldn't continue when he asked for my SSN. 

I informed him that I don't want my credit to be used neither do I want to be personally linked to the credit decision. I informed him that I will not continue with process if my credit will be checked. He assured me that he can use only the business credit and then proceeded to ask for the business federal tax ID. I obliged and gave him the business information. I NEVER AGREED TO HAVE MY PERSONAL CREDIT CHECKED, INFACT, I REFUSED THAT REQUEST. To my surprise, I received a letter from XXXX XXXX addressed personally to me stating that I was denied credit card because of my credit report. What! I called XXXX XXXX and all they can say is that they will remove the point from my credit report. 

I am beyond furious for the invasion of privacy.

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 2023-08-17
Company: Experian Information Solutions Inc.
State: TX
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 earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.

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 2023-09-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I lost my bank ATM card with JP Chase Morgan. I noticed several fraudulent transactions on my account on XX/XX/2023. I immediately called them and spoke to a Representative who opened a claim for each charge. I spoke to the fraud department and they assured me that they would investigate and get the charges reversed. On XX/XX/XXXX and XXXX, they reversed the charges because whoever had my ATM card used the correct PIN. So they are not saying it is not fraud. I have no knowledge of who this person is and each of the charges is far away from my home. I work from home and could not be over XXXX miles away when these charges were made. I asked them to view the cameras of the person who had taken the money out of my account by ATM and they said they do not view cameras in investigations. If they can view the camera when this money was taken out by ATM they will clearly see it was not me. I spoke to a Supervisor on XX/XX/XXXX by the name of XXXX and he said to reference claim number XXXX to obtain his full name because I told him I would file a complaint against JP Morgan on these charges. Because my ATM cards were compromised, I requested new cards and to this day I still have not received new ATM cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have paid off my mortgage and this company has made several errors in applying my payment and despite my numerous escalations and requests the account has not been corrected. the correct payoff amount has not been provided despite numerous requests and the company keep referring me to online payoff amount which is absolutely wrong since my payments have not been applied correctly. 
I have requested transaction history and they can not provide me with detailed history that shows proper information that would be useful to me to see how this company has applied my payments. 
Based on this companies rules, I should receive the satisfaction letter within 10 days of paying off the account ; however, due to the mess in their systems they will not be able to do so. I am applying for Equity line of credit and need to show that the house is paid off but I am not able to proceed due to this mess this company is a collection agency in nature and do not have proper infrastructure to manage mortgages and they have bought my mortgage from XXXX  XXXX and now I am in the middle this frustration. the staff treat us as if they are collecting unpaid money. they are very rude, totaly lack knowledge and expertise and they are totally disrespectful to customers. there are numerous lawsuits against this company that would really need your oversight on their performance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I just reviews my credit report and want to make sure everything is reporting 100 % accurate. Can you reinvestigate the completeness and accuracy of the list of accounts below. 

XXXX : XXXX Investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report. 

XXXX XXXXXXXX XXXX Investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report. 

XXXX XXXX XXXX Investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report. 

XXXX XXXXXXXX Investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report. 

XXXX XXXX XXXXXXXX Investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit 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 non-monetary relief
Consumer complaint received 2019-02-05
Company: Commonwealth Financial Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Company " Commonwealth Financial Systems '' claims I opened an account on XX/XX/XXXX and claiming a balance of {$650.00} is owed to original Creditor XXXX XXXX XXXX XXXX and was reported to them XX/XX/XXXX as a collections account. This is false information and I do not own any account with either company. I would like for this to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: Flagstar Bank, N.A.
State: NC
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:
My balance on loan is not being reported accurately as well being reported on time. Balance credit report shows is from XX/XX/2020. It is now XXXX and XXXX 's payment will be due soon. If I was missing my payments there seems to be no issue with the negative information being reported on time. So what is the issue with reporting all information accurately and on time weather negative or positive. I as a consumer have 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