BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-20
Company: On-Site Manager, 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:
Leasing Desk is incorrectly report data provided by XXXX that is incorrect. It has that I have rental debt from Oregon in which I haven't lived. I have resided at XXXX XXXX XXXX, XXXX Texas XXXX for 3 1/2 years. Yet they are reporting rental debt for 8 months ago. In which I was living in texas. My husband is XXXX at XXXX XXXX, Texas and has been there for 3 years. I also have proof

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: Experian Information Solutions Inc.
State: GA
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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

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 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 2022-05-23
Company: FinCo Services Inc DBA Current
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had a current bank account. It got hacked and charges were made. I disputed the charges but current disputed them under wrong type and said it was item not received when it was fraudulent. I submitted my police report to them and they still ain't refunded it. They closed my account out claiming I was committing fraud all because they let my account get hacked and {$700.00} stolen from me via fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: Experian Information Solutions Inc.
State: GA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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 explanation
Consumer complaint received 2023-05-08
Company: The CMI Group, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX continues to say I owe them from over 2 years ago and they have been sending my info to various collection agencies and i have disputed them. When I pulled up my credit report I saw I had a collection agency, Credit Management LP, stating I owe collections on behalf of XXXX XXXX. 
I disputed this and it was removed from my credit report ; however it is now back and being reported to all three credit agencies. I contacted them on their website on XX/XX/2023 to dispute the debt and I asked to verify this debt and amount and asked them for an invoice statement from XXXX communication or a bill from XXXX showing the amount I owe and for what? Was it for their equipment? Or their internet/tv services? Etc. ( I have not used XXXX XXXX for years and do not recall owing them any money. And I have contacted XXXX about this ; however they state they cant see what I owe the money for because its been years and my account is locked and I need to call the collection agency, which makes no sense to me. ) Credit Management LP sent me a letter dated XX/XX/2023 stating they previously validated this with XXXX XXXX and their records, so I am responsible for the amount reference. They stated that since I did not provide any new evidence, they consider this outstanding balance valid and owing. In their letter, they also said they now consider this a frivolous dispute, and will not respond further, unless new information is provided. However they never provided me any information that I requested regarding a bill or statement that shows the amount that I owe from XXXX XXXX. I receive another letter from Credit Management LP dated XX/XX/2023 stating I owe them {$500.00} for XXXX XXXX but theyve also added on their own charges which they stated as fees of {$120.00}. The federal debt collections practice acts prevents them from being able to charge me fees, which they did in this case. 
They have not provided me any documentation that I asked for which is against my rights based on the federal debt collection practices act, and they have also added a fee, which is also against the protection act. This has not only caused me anxiety and stress, but due to my credit score being affected by this debt collector reporting this to all three credit agencies, now it has also affected my ability to get a car loan. 
They have blatantly said they will not respond to me any further without new information, violated my rights and the law by adding a fee, and have violated my right of requesting proof, like a bill or statement from XXXX XXXX by not furnishing any of that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: Coinbase, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
On XXXX I received an email from Coinbase that an unauthorized phone number and email account tried to access my account.I followed the prompts on the app to lock the account. And then days later I tried to unlock the account and I kept getting rejected saying that the photo of my drivers license was not clear, i did this several different times. Then I called customer Service and they stated that the email regarding the unauthorized access was sent to me in error and that pictures of the license were clear and she would manually push the verification through. But there was an error with the site and she asked me to access chrome, and so i called back later. When i called back the rep was rude, said that the pictures weren't clear, he refused to let me talk to a XXXX and he refused to give me a number or email address to log a complaint through their company. I have repeatedly tried to upload pictures of the license, taken by XXXX different people with XXXX different phones, and I get the same error message. Please help meI have been locked out of my account for over a month and have no access to my money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: Frost-Arnett Company
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was involved in a motor vehicle accident and had to receive an XXXX of my XXXX and XXXX. I provided my health insurance information to XXXX XXXX XXXX. The insurance company previously approved the treatment. After I completed all my treatment, I went through the subrogation process and reimbursed my health insurance company. 
I recently received a letter dated XX/XX/XXXX from Frost-Arnett attempting to collect {$4400.00}, which is about {$3000.00} more than the contracted rate for the service I received. I contacted the collection agency whom stated it was never filed with the insurance company. 
I spoke with a representative at XXXX XXXX  XXXX, the billing company for XXXX XXXX, whom stated there's nothing she can do because it's been sold to a collection agency. 
Frost Arnett wants the full amount and refused to file the bill with my health insurance company, and/or reduce the amount to the contracted rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022 I attempted to have the debt verified via nototorized statement from someone with original knowledge of the debt, as well as something from the original creditor with my signature on it. this request went unanswered by Midland Credit Management, who then continued to attempt to collect on this debt. I have serious doubts that this debt belongs to me. I've since received a letter stating that legal action will be taken on XX/XX/2022 if the debt is not paid in full at that time. Again I doubt the validity of this debt and do not believe it to be mine. Also while attempting to get validation of this debt they continued to report it on my credit reports. In addition they've listed the account that they hold as " open & past due '' if this debt were mine it would be impossible to be open or past due after the fact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a XXXX XXXX XXXX secured XXXX card where I have deposited {$5000.00} to obtained the XXXX card with {$5000.00} line of credit to improve my credit score. That card is being used occasionally and I pay it in full every time I use it. As far as I knew there was no yearly fees in the card since I have multiple bank accounts with XXXX XXXX XXXX. 

I worked really hard on my financial situation for 5 long years to improve my credit score to XXXX since I was trying to get a mortgage loan. Without my knowledge and without any correspondence XXXX XXXX XXXX imposed $ 39 yearly fees on the secured visa card. Since my balance was zero I was not getting any statements from XXXX XXXX XXXX. As I submitted my loan application for mortgage and checked my credit score I see XXXX XXXX XXXX reported to credit bureau my account is delinquent for 60 days for {$39.00} dollars and my credit score dropped to XXXX I spoke to XXXX XXXX XXXX and they are non cooperative, so I paid that {$39.00} dollars and the account still showing 30 days delinquent. I have a zero balance on the card and it 's hurting my hard earned credit score. I should not be responsible for fees on a XXXX balance secured XXXX card which was imposed without my knowledge and without any sorts of communication. Please tell XXXX XXXX XXXX to undo the credit bureau reporting to reflect my original XXXX credit score and I will happily close the secured visa card account. Thanks for looking after innocent victims and consumers.

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 2023-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX Account # 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 non-monetary relief
Consumer complaint received 2023-09-11
Company: JPMORGAN CHASE & CO.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Dear CFPB, I am disappointed with Chase 's handling of my fraud claim. On my XX/XX/2023, my device was stolen and someone had accessed my personal information, XXXX keychain passwords, including my debit card number and made a fraudulent transaction at XXXX  for {$150.00}. I have promptly notified Chase within the same day that my device was stolen and my Chase online banking profile was secured and a new debit card was reissued. On XX/XX/2023, Chase has concluded my claim stating that the transaction was indeed authorized. [ Letter from Chase Attached ] Chase 's decision was made based on the merchant 's information, XXXX The merchant, XXXX, were able to base their finding on " no change of registered email address or passcode, before or at the time of the reported transactions '' [ Letter from XXXX Attached ]. This is in fact true, as my device was stolen and all of my passwords were saved on the XXXX keychain. Therefore, the perpetrator had access to that information and was able to make those fraudulent charges. 

I am disappointed from Chase because their Deposit Account Agreement and Privacy Notice under Special Provisions for Card Transactions ( Zero Liability Protection ) clearly states that " you are not liable for any unauthorized card transactions if you notify us promptly. '' [ Deposit Agreement Attached ].

I have a direct deposit relationship with Chase for about 5 years now and this is my first claim with them. I am very unsatisfied and have lost faint in them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Experian Information Solutions 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:
I SENT THREE CERTIFIED LETTERS TO ALL THREE CREDIT BUREAS PROOF SUBMITTED AS WELL THIS COMPANY XXXX XXXX XXXX XXXX # : XXXX NOT VALIDATE THE DEBT OR RESPOND THATS A VIOLATION OF 15 USC 1692 ( G ) ( B ) I ALSO SENT PROOF WITH TRACKING INFO SHOWING IT WAS DELIVERED XXXX XXXX EXPERIAN IGNORED IT DID NOT INVESTIGATE VIOLATION OF 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. I NEVER RECEIVED ANYTHING FROM EITHER COMPANY WHICH IS A VIOLATION OF 15 USC 1681 SECTION 611 ( 2 ) ( A ) I WANT THIS ACCOUNT REMOVED ASAP AND PLUS THIS COMPANY IS NOT REGISTERED WITH DCLA DEBT COLLECTIONS LICENSING ACT

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 2023-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 reached out to Transunion requesting that these inquires be investigated and prove to be an inquiry I authorized with written consent. I have not initiated any transaction with XXXX on XX/XX/2022 or XXXX XXXX on XX/XX/2022 Further, No accounts has been opened on these dates with these creditors. Therefore I do not have a account as defined under 15 U.S.C. 1693a ( 2 ) with these two Creditors for review or collection. 

According to 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
I never gave written consent to have my consumer report obtained by either of these 2 creditors which means these inquires are unauthorized, neiter did I give Transunion permission to but these inquires on my consumer 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 2022-05-23
Company: EQUIFAX, 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:
I SENT THREE CERTIFIED LETTERS TO ALL THREE CREDIT BUREAS PROOF SUBMITTED AS WELL THIS COMPANY XXXX XXXX XXXX XXXX # : XXXX NOT VALIDATE THE DEBT OR RESPOND THATS A VIOLATION OF 15 USC 1692 ( G ) ( B ) I ALSO SENT PROOF WITH TRACKING INFO SHOWING IT WAS DELIVERED XXXX EQUIFAX XXXX IGNORED IT DID NOT INVESTIGATE VIOLATION OF 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. I NEVER RECEIVED ANYTHING FROM EITHER COMPANY WHICH IS A VIOLATION OF 15 USC 1681 SECTION 611 ( 2 ) ( A ) I WANT THIS ACCOUNT REMOVED ASAP AND PLUS THIS COMPANY IS NOT REGISTERED WITH DCLA DEBT COLLECTIONS LICENSING ACT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/21, I made my last mortgage payment to Lakeview Loan Servicing , LLC ( XXXX ) and they withdrew {$720.00} for Escrow ( taxes, PMI and home insurance ). On XX/XX/21, Lakeview withdrew {$240.00} for PMI. I refinanced and this loan was paid off on XX/XX/21, Lakeview was paid {$340000.00} ( total payoff amount per payoff letter ) to include principal, PMI, taxes and home insurance up until XX/XX/21 ( payoff date ). Starting on XX/XX/21, I made numerous calls to Lakeview at the customer service/billing number saved on my cell phone ( which I always used and was good in the last 3 years ) ; however, my call never went through because their automated system no longer recognized my phone number, social security number and/or loan number # XXXX on file. Therefore, I emailed Lakeview on 3 separate occasions ( XX/XX/21, XX/XX/21 and XX/XX/21 ) using my XXXX email account addressing the issue their automated system is not recognizing my phone number, social security number and/or loan number and I CAN NOT get through a live person or move forward. The only response I received from Lakeview through their automated email system was a generic response, such as, " thank you for contacting us, a more experience person regarding your request/needs will contact you. '' I requested for someone to CALL me, but they haven't til this day. On XX/XX/21, the day of the payoff, Lakeview withdrew {$780.00} for escrow ( taxes, PMI and home insurance ), {$830.00} for interest, {$310.00} for interest again and leaving an Escrow balance of {$4000.00}. On XX/XX/21, Lakeview withdrew {$240.00} for PMI leaving an Escrow balance of {$3700.00} even though the account/loan was paid off in full on XX/XX/21. I visited the XXXX XXXX XXXX website and found a lot of complaints against Lakeview Loan Servicing , LLC and XXXX regarding their illegal and/or unethical practices similar to 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 2022-12-03
Company: Recovery Solutions Group, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is trying to collect debt that is not owed. They say I owe XXXX on a loan and has called, texted and email me harassing messages many times about a {$12000.00} loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to file a formal complaint against Midland Credit regarding their handling of accounts that were opened fraudulently and their failure to validate these accounts despite my repeated attempts to resolve the matter. 


I have previously disputed these accounts with Midland Credit and the original creditor and provided them with documentation proving the fraudulent nature of these accounts. However, they have not taken the necessary steps to validate these debts as required by law, and they continue their collection efforts. 

I request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Midland Credit. I also request assistance in ensuring the removal of any negative reporting associated with these fraudulent accounts from my credit reports. 

I appreciate your prompt attention to this matter and look forward to a resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
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:
FCRA Violation personal information not mine 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 public record not mine US BKPT CT 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