BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-24
Company: Automatic Data Processing, Inc.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2020 To Whom It May Concern, I was never given notice before being garnished from my check by ADP on behalf of XXXX, XXXX, XXXX XXXXXXXX XXXX. for 10-11 % of my weekly net pay. ( Case ID : XXXX ) I am XXXX and this has caused a hardship for me. I can not pay my rent now. 
I was not notified about a judgement or given any opportunity to present my income and explain my hardship and show my bills. 
I need this to stop immediately. 
I need to know what the debt is and who it is from. 
If it is legitimate, I can only afford to pay {$5.00} per week at most. 
I need legal assistance. This is an unfair and predatory debt collection practice. It cant legal. Its definitely unethical. I can not believe that they are allowed to garnish my pay without explaining anything to me or giving me any prior notice. 
Please assist me with getting this resolved and legal and regulatory guidance. 
Update : Today, I just found out that it was from a XXXX XXXX. I haven't been able to review the account history to know if it was mine. I had a XXXX XXXXXXXX card in Pennsylvania. I'm told that I was sued by XXXX XXXXXXXX and I live in Washington now. 
Additionally, the garnishment letter was dated XXXX, postmarked XXXX and mailed from Texas to XXXX. I was garnished on XXXX. I just received the letter about one day ago. I was not notified before it happened. 
There were no other correspondences from any of them before this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have now been a victim for the second time where i file for my taxes and someone has claimed my dependent. the first time i was not informed of what i should do to protect myself and dependent from recurrence. now i attempted to file my taxes for 2017 yesterday and they were rejected. my daughter is XXXX XXXX XXXX and i am unable to request a credit report. clearly someone has her information and i believe it is ridiculous that i have to wait for my child to turn XXXX to check her credit to then have to clean up whatever damage who ever is using my child 's information. i believe that when a child is a victim of this type of theft they should be allowed to check their credit regardless of the age. the first time i believe my daughter was XXXX yrs old so i have to wait until she is XXXX this can ruin her future when it comes to credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of the collection I pulled my credit fill and this collection was listed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt has been falsely added to my credit report and has negatively affected my credit.

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 2020-07-08
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
contacted the credit XXXX XXXX and experian to notify them of the fraud on my credit report. they werent attempting to help me solve the problem and get the items removed as they should be. The accounts are hurting me and not being able to obtain credit at this time due to the enormous amount of the accounts and they keep saying the claims are frivolous or cant identify me when Ive mailed them my id and social security card multiple times please help me solve this issue please

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 2022-11-24
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:
I have a late payment that I have been able to finnaly get reversed after two years of asking for them to reverse when it's my only late payment in 5 years and now for the last year I've been requesting it to be take. Off my credit report and it's still there which has caused loss of potential houses and loans

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I've been having issues contact Coinbase.com and XXXX   concerning a lockout to my account. For the past two and a half months I've been having seeing " An error occurred. Please contact XXXX  support '' when trying to access my funds. I currently have around 14k in total cryptocurrency values that aren't accessible at that the moment. I have repeatedly emailed them and see this response multiple times : " Hi again, Ive just checked your account and can confirm that your request has been properly escalated.

For fastest response, please do not create multiple tickets about your issue.

Once your request is cleared, well be sure to follow up.

Thanks so much for your patience and for working with us on this.

Hi there, Thank you for contacting Coinbase!

Thank you for patronizing Coinbase.

Warm Regards, *XXXX* '' If I could somehow have access to my account that would be great.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: BARCLAYS BANK DELAWARE
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 information incorrect

Complaint:
I AM SUBMITTING A COMPLAINT AGAINST BARCLAYS BANK DELAWARE. I CAME TO A SETTLEMENT AND PAID THE ACCOUNT IN FULL ON XX/XX/2021. I WAS TOLD VERBALLY FROM A REPRESENTATIVE AT " XXXX '' WHO COLLECTS ON BEHALF OF XXXX THAT THIS PAYMENT WOULD BE UPDATED WITHIN 30 DAYS. IT HAS NOW BEEN WELL OVER 30 DAYS AND BARCLAYS IS STILL REPORTING A BALANCE. PLEASE UPDATE THE BALANCE AS PAID IN FULL AT THE MINIMUM OR DELETE THE ACCOUNT IN ITS ENTIRETY. I HAVE ATTACHED PROOF OF MY SETTLEMENT.

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 2019-02-22
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In Beneficial 's response dated XX/XX/XXXX to CFBP complaint # XXXX, Beneficial representatives state, " XXXX XXXX XXXX referenced three previous mortgages dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please be advised that we are unable to research these mortgages as they are no longer available in our servicing system. '' Since Beneficial is incapable of doing the research on these three previous mortgages, I have done it for them and have included them within this complaint. As one can see by doing a simple comparison, the three previous mortgages ( XXXX, XXXX and XXXX ) completed by Beneficial contain the correct legal description of my deceased parent 's property, as opposed to the legal description contained in the purported XXXX mortgage Beneficial ( HSBC ) admittedly sold to XXXX, with servicing being conducted by XXXX XXXX XXXX XXXX XXXX ( XXXX  ). This is further evidenced by the legal description contained in the XX/XX/XXXX Loan Title Insurance Policy issued by XXXX XXXX XXXX XXXX, XXXX Once again, Beneficial and XXXX are unethically misrepresenting the facts and continue to seek judgement on a security interest without the required standing or supporting documentation. I demand they stop any and all misrepresentations and illegal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: BARCLAYS BANK DELAWARE
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX my credit card was supposedly used for 2 cash withdrawals for {$350.00} and {$390.00} in an unknown ATM with the only information being provided by the bank as the financial institution being XXXX with zip code XXXX somewhere in XXXX. I contacted XXXX customer service as soon as I saw the charge on XX/XX/XXXX at XXXX ( XXXX time ) regarding the fact that I had not made those withdrawals. They stated that they would investigate, cancel the credit card, and remove the charges. I asked if they could send me a new credit card to my hotel, since on their website they state " If you need to make purchases or a cash advance, you can receive a temporary card within one business day ( if in U.S. ) and two business days elsewhere. '' but they told me that this was not possible. I was left stranded in XXXX for the remainder of my trip without any type of credit card or money. On XX/XX/XXXX I access my account only to see that the charges where placed back on my account, when I was explicitly told that they would not and that I would not be held liable or accountable for such charges. When I called customer service they state that they consider them as fraud because the chip technology the pin number was used. I have never used such pin number and I have no idea what the pin number is, and even so they still say that they can not do anything regarding these charges. They want me to pay the {$740.00} of charges plus a fee of {$20.00} per cash withdrawal transaction for a total of {$780.00}, when in no moment where these withdrawals made. They have evidence that I have never made a cash withdrawal and yet they expect me to pay for a new cash withdrawal that I supposedly made without any information regarding the bank, ATM, time, or location of the ATM.

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 2020-05-26
Company: Experian Information Solutions Inc.
State: TX
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 recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

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 2020-03-04
Company: EQUIFAX, INC.
State: NV
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 already have this issue with my credit report especially Equifax for more than a decade ago regarding my sister 's identity ( ie. name, SSN ) and my identity are all mixed up and also the fact that is my twin sister with same date of my birth. First, I asked for help from XXXX  XXXX XXXX back in XX/XX/XXXX to dispute my credit report from my twin sister. After 5-month period of disputing, the legal service sent me a letter that I had to sue Equifax for not responding as next step however first, I had to check the proper procedure before filing small claims. 

I don't have the exact timeline after legal service. I went to see my loan officer around XX/XX/XXXX and told about this dispute case. The officer talked to Equifax on behalf and after the conversation, I was provided by officer the procedure of sending ( via mail & fax ) my proof of identity even my twin sister 's identity. During the timeframe until XX/XX/XXXX, I had been calling Equifax 3 or 4 times to provide my identity via phone and sending them my proof of identity even my twin sister 's identity ( via mail & fax ) over and over again as a result of my identity questions from Equifax support with my responses didn't match to their system. They also promised to send me letter for my dispute claim however I never received letter even to my twin sister 's end didn't receive either. I signed up on Equifax back in XXXX to track my credit score then after, I can not login to my account due to, I assumed, the mixed credit report between my twin sister and me. 

So now I'm here to file a complaint against Equifax after the attempts to follow procedure on how to dispute and Equifax gave me headache for more than decade.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$18000.00} -This is not my account.

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 2020-05-26
Company: DISCOVER BANK
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 status incorrect

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX -or- XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX -or- XXXX XXXX XXXX XXXX   Department XXXX XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Accounts : XXXX XXXX XXXX XXXX  OFFLEASE ON 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 Please block this information from my credit report, pursuant to section 605B of  the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-24
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: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus to discard this suspicious information. I think you have not validated these items 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. Kindly correct or remove these items right away! 
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 2021-04-30
Company: EQUIFAX, INC.
State: TN
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 have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Kriya Capital, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Before I move forward with litigation to Credence XXXX XXXX XXXX. I would like if the debt collection agency to stop harassing me about an old, old account that has been disputed and delete off of my credit report from another collection agency XXXX XXXX. This account was not mine account I have Proof from XXXX XXXX that this creditor could not verify the information or proof so there for it was deleted XX/XX/2019. I have that proof. Few month later Credence reported this same account with the same creditor ( XXXX XXXX ) with out sending me any letter to. inform me. I tried to explain to them that this account has been disputed they still continued to illegally report this. My attorney sent them a letter to validate Proof On XX/XX/2019. They never sent in any proof, however this was deleted from 3 credit bureaus on XX/XX/2019. The statue of limitation of this account as far reached over 7 years. Please stop these illegal acts before under the FCRA. I am forced to proceed litigation against them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-17
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: Their investigation did not fix an error on your report

Complaint:
3 company with inconsistencies, violations and double jeopardy ... 
I requested to EXPERIAN an investigation for reporting " past due balance '' and " 1 month term '' in collection account from XXXX which represent a violation to FDCPA ... 
The answer from EXPERIAN was a verification from XXXX as shown in their own report attached in this complaint.. 
EXPERIAN is confirming with XXXX the violation ... 
I decide to call XXXX to obtain an explanation but the answer was they has been transfer or sold the account to XXXX , XXXX XXXX XXXX to collect the account .... 
Now XXXX is reporting to EXPERIAN an account that is not marked as sold of transfer with a Balance ... So, EXPERIAN is in violation of the FCRA by reporting inaccuarate information and failing to do a proper investogation.. 
Now XXXX, XXXX XXXX XXXX is asking around XXXX dollars over the original balance requested by XXXX at the same time is reporting another balance to EXPERIAN ... 
Account XXXX XXXX Violation to FDCPA, Violation to FCRA and double jeopardy ... 

Attached proof of XXXX balance reported to EXPERIAN before and after investigation and a letter from XXXX, XXXX XXXX XXXX collecting another balance for the same account.

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 2020-03-04
Company: Client Services, Inc.
State: SC
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:
On XX/XX/2020 I sent a 3rd party debt validation letter to Client Services , Inc. requesting any contractual agreement between me and their agency and to this date no proof of validation has been submitted to me as demanded. I have never done any business with this agency nor do I wish to do so. The alleged debt has a fraudulent charge amount associated to it. By law pursuant to 15 U.S.C section 1681s-2 of the Fair Credit Reporting Act ( FCRA ), Client Services , Inc. has failed to validate this alleged debt within the ( 30 ) day allotted time frame as pursuant to 15 U.S.C section 1681 ( g ) ( d ). They have NO signed contract with my signature stating that I gave them ANY permission to access my credit reports which is a violation pursuant to 15 U.S.C section 1681b.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation