BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-20
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:
This account : XXXX # XXXX which is open on my file since XXXX and causing me a lot of trouble on my daily basis. Is reporting information on my credit report that does not belong to me. Ive already tried multiple times to submit a complaint about this identify theft on this account that does not belong to me. It belongs to a person called : XXXX, XXXX XXXX. Who was born on XX/XX/XXXX. Which is completely not my person. Today I received a called from a collection agent trying to collect this debt while I was at work and while trying to confirm my identity she provided me with the information above. 

Also I have reasons to believe someone else was trying to apply for credit on my behalf since I do have inquiries that I do not recognize. I will have them listed below : XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX, XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX, XX/XX/XXXX EXPERIAN Attached I include a copy of my identity theft report and a copy of my driver 's license for you to confirm my name and birth date. 

Please delete this account and inquiries 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 2022-01-15
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:
{$920.00} from consumer XXXX co Experian and XXXX and XXXX continue to report negative fradulent information on my credit report. They are in violation of the FCRA

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 2017-12-17
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX Amount : XXXX $ ( XXXX XXXX coins, XXXX XXXX and XXXX $ from bank account ) I went and searched XXXX on XXXX. XXXX search gave suggestions of XXXX. The first link was a AD Link and i went on a clicked on it. 
As XXXX and Coinbase XXXX and have same user details. All the corresponding pages came as usual as login. 
1 ) Coinbase OATH page for username and password 2 ) I entered the username and password next page was 2FA authentication enter the 2FA.

3 ) Got a message saying its taking longer time as XXXX  servers are down.

4 ) Later got page saying first time login you have to authorize the page. Click here to access your account 5 ) i clicked the link and enter my email details later got error try after 24 hours. 

My account was spammed and hacked. 
I had XXXX XXXX coins and XXXX XXXX in coinbase and 4 XXXX coins in XXXX. 
and My bank account was linked to coinbase. Hacker took XXXX  worth XXXX $ and has transfer to unknown account. 

I reported this issue to coinbase with in two hours. I would have done much earlier but wait time was more for coinbase support. 

The support team said they will investigate but till now i have n't seen any response and even my coinbase account is locked and have called many times still no response. 

Informed XX/XX/XXXX XXXX XXXX that the transaction is not authorized and requested for a claim as my debit card has XXXX $ liability.but they came back saying the transaction is legal as i have done this transaction earlier. Have reopened a case and have send all the attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: EQUIFAX, 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 have now submitted all necessary documents including new evidence via mail and now electronically here in connection to Identity Theft on this account reporting on my credit file. I have been professionally advised by my legal team that given this new evidence of the crime this is in blatant violation of FCRA law specifically section 605B of the FCRA. I have hired a private investigative team and legal counsel and have been supplied us with new evidence regarding this crime including fraudulent addresses and suspect information that I have since updated on official legal documents in connection to this crime, including updated FTC Identity Theft report. Please note that I've had to have new GOV Identification issued due to the compromised identity and have been advised professional that due to the crime I have legal binding rights to pursue this to the fullest extent possible. Additionally, I'm awaiting further action and evidence to pursue this as long as needed until rectified. The time, damages and monetary loss are being added up and will be all added in connection to this crime. Please update your records and stop reporting inaccurate information about a credit file that is not mine. 

I'm requesting that the following fraudulent items in connection to Identity Theft are removed immediately from my credit file pending further legal action : FRAUDULENT | IDENTITY THEFT | REMOVE FROM CREDIT FILE : 1. XXXX XXXX | XXXX XXXX | XXXX | Balance : {$4200.00} 2. Fraudulent address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX 3. Fraudulent address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
- Barclay 's Credit Card claimed a payment was not made on time. 
- after further investigation found out my payment to Barclay 's,  had been posted as paid and cashed using a XXXX XXXX account ( copy of cashed money order from my personal bank ). 
- I called Barclay 's and mentioned what found, their response was " we don't know how this happened, it's not our fault '' then proceeded to claim my account as delinquent & tagged on a {$50.00} late penalty fee. 
- long story short I contacted XXXX XXXX and found out the account in question actually is an account that belongs to Barclay 's, which XXXX XXXX retains on Barclay 's behalf for receiving credit card payments from customers like me. 
- I then called Barclay 's and explained what I found, then asked for outstanding amount I owe so I may pay it in full.

- once payment is received and posted by Barclay 's I intend to cancel my Barclay 's credit card. 

Reason am reporting this instance is to have on file as a complaint, and for others to be wary, of Barclay 's Credit Card "  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 monetary relief
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.

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: 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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Experian and XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts 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 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 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2018-07-24
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I went to make my mortgage payment on XX/XX/XXXX online and was unable. I called and Ocwen and was advised I was behind over {$9000.00}, which was not true as I had made, and Ocwen accepted all, of my payments to date. Upon further research, Ocwen indicated I had entered into two modification offers, which I never consented to accept ( one was for hurricane relief post hurricane in XX/XX/XXXX and was adamant that I did not want to accept any loan modification as a result of the storm nor any other loan modification agreement as I was continually making my monthly payments. This was ulimately confirmed on Ocwen 's end because they did not have a signed consent nor verbal acceptance of either offer ) After calling them three times to get the unapplied/suspense account ( balance over {$9000.00} ) properly applied to my principal balance, I was then told that all of those payments that were applied brought me current through XX/XX/XXXX! ( Keep in mind, Ocwen accepted all of my payments TO DATE through XX/XX/XXXX! ). I am gravely concerned my payments are not being credited properly and late fees and penalties are being accumulated when they should not be since I am technically current according to my records. OUt of desperation and because honestly Ocwen 's system breaks you down, on XX/XX/XXXX, I received a loan modification agreement dated XX/XX/XXXX, advising my payments had slightly increased. I spoke to an agent to inquire about modification terms, and they advised I was already denied for that loan modification ( I have in hand a loan modification agreement dated on that date, inviting me to enter into the loan modification agreement ). I am frightened and concerned and Ocwen is of no assistance on getting this matter corrected. This is impacting my credit and causing harm to my other responsibilites and above all stressful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Last month I sent a dispute letter to the credit bureau. I took the time to research consumer laws to dispute incomplete & inaccurate reporting on my credit report. I have contacted the credit bureau and they could not find the letter I wrote or either they assumed a 3rd party wrote the letter. My letters were not even looked at. Although I have stated I wrote the letters and it is not even against the law to have a 3rd party send off letters on my behalf ( such as XXXX Law ) I was not given a reason for how they determined this. 

I am filing a complaint and asking you again to reinvestigate the following accounts. I would also like a copy of my updated credit report within 30 days.

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 2023-07-17
Company: Block, Inc.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
This was through Cash app someone hacked my account and took {$100.00} out of my account l.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: CREDIT ACCEPTANCE CORPORATION
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The account with credit acceptance was closed in XXXX when I voluntarily surrounded the vehicle due to the fact I had a XXXX and could XXXX XXXX any more. I called the company and told them what happened and to come get it. Since then they have put a garnishment on my check as of XX/XX/XXXX and they receive it biweekly and when I disputed the account information on my credit report that the balance they had was wrong because they werent giving me credit for the payments which is now over {$900.00} as of today they reported back saying I only paid {$240.00} and reopened the account and increased the balance and said I was behind on payment I have check stubs to prove how much Ive paid that they are not reporting and that Im not behind because Im being garnished biweekly and the balance should not have been increased over {$200.00}.

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 2021-03-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Fraudulent USAA  checking not closed as requested under daughter XXXX name. 
Balance on account issued XXXX  month ago. 
XXXX  XXXX : Personal Information distributed dark web Communication with Impersonating representatives Unable to contact USAA We have no access to account Fraudulent communication below.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
on XX/XX/22 at XXXX received email from Bank of America saying " online application is in progress '' XXXX-another email says approved XXXXanother email says welcome to online and mobile banking XXXXanother email says verify your email address XXXXanother emails says your email address was updated I contacted bank of america once they opened on XX/XX/22 fraud agent asked me to provide them some info, they were able to verify they saw an account showing opened under my name, they immediately shut act down, and will be be sending me info that I have to fill out to verify myself. 
I have reached out to XXXX so they can put alert on credit bureaus, it was automated line, did not speak to live agent, contacted social security fraud line, which an agent stated I needed to reach out to FTC

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 2018-04-04
Company: LEXISNEXIS
State: WI
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:
On XX/XX/XXXX I sent in a police report and a copy of a letter I received from the bankruptcy court stating that all the credit bureaus including lexis Nexis get my information from a pacer system and not he actual bankruptcy information from the courts. 
Lexis Nexis refuses to delete the bankruptcy from there records permanently. 

In XX/XX/XXXXand XX/XX/XXXX I was a victim of extortion a girl used me for money which is why I filed a chapter XXXX they claim the bankruptcy needs to stay on my report XXXX and I strongly disagree. 
the person XXXX XXXX took advantage of me I had no choice

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted this complaint to update this suspicious information. Experian and XXXX Credit Bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX Balance Owed : {$3700.00}.

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 2019-08-21
Company: Titan Receivables, 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 information incorrect

Complaint:
My credit report shows that there is an amount of {$3000.00} in collections from Titan Receivables original creditor XXXX XXXX XXXX on my credit report it states it was opened XX/XX/XXXX. That information is incorrect. On my credit report it doesn't show what the account or file number is. 

The account number I have is XXXX and that account was opened XX/XX/XXXX NOT XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX Opened XX/XX/XXXX ( XXXX mos ) {$3600.00} balance {$7300.00} balance I never opened an account with this debt buyer, this seems to have been bought from XXXX XXXX, but both accounts was CLOSED and marked as PAID/Charged OFF by XXXX XXXX XXXX 

I was never informed that the XXXXXXXX XXXX sold the debt after closing/charging off the account. I was made aware of this by pulling credit to buy a house. 

Below XXXXXXXX XXXX remarks on accounts : Remarks Charged off as bad debt Canceled by credit grantor Times XX/XX/XXXX days late XXXX Closed XXXX. XXXX, XXXX and Responsibility Individual Remarks Closed Times XX/XX/XXXX days late 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 2020-06-03
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:
I am writing about an account which reports from XXXX, It is reporting different data for each bureau. I tried pointing out the issue to XXXX, Experian and XXXX  I have fallen on XXXX XXXX. this could potentially effect the purge date and continue to impact me by continuing to report inaccurate misleading data. 

The late pay dates are not consistent, which this can't be since they get the data from the original source and a proper investigation if done correctly would have solved this problem yet it persists.

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 2018-07-25
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been struggling to pay my private loans with Navient for years, so much so that I filed Chapter XXXX in XXXX to eliminate other debt just so I can pay them, because they are the only company that i've had debt with that wouldn't give me options to repay them and I never want to have them garnish my wages, because they are not flexible with payment options at all. I've been making payments with Navient as far back as XXXX, and even when I was unemployed they still required me to make payments. I have been on repayment plans with them for years, though I couldn't afford it. For the first time in years, I couldn't pay them for two months. I called to see if there were possibly any options and they told me there are not and since I accrued new debt ( based on them viewing my credit score ), a vehicle, that they would not give me any repayment options or lower my payments because the debt I accrued was considered high, so they are not going to offer me any options. In other words, even though I needed a vehicle, I should have got a cheaper loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: Affiliate Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a medical collection debt on my credit from XXXX XXXXl from 2015. In 2015 my XXXX and I were on XXXX. It doesnt look like they ever submitted this claim to my insurance. I can provide them with that information if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This debt just popped up on my credit. I don't even know what it is from. I didn't receive anything in the mail pertaining to this debt. I didn't even validate this debt.

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