BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-14
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a a unverified account from XXXX. I had previously disputed this account. I have never done business with XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the the ownership and legality of this HIPPA Act Violation debt purport that I owe The accounts have been in dispute for over 3yrs.

I request that XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX Cease and Desist all further communications and collection actives and provide the  verification of the purported 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
Consumer complaint received 2018-07-14
Company: CHECK INTO CASH INC.
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received an alert on my credit report of a collection from XXXX XXXX XXXX and an alert of an additional address that is out of state ( also added by this collection agency ). The collection was opened 2 months ago and the original creditor is said to be Check Into Cash with the amount owed being {$610.00}. I immediately called XXXX XXXX XXXX and in speaking with an associate, I was told that the account with Check Into Cash was opened XX/XX/XXXX with a payment being made to/from some bank account that I had never owned. There are several things wrong with this situation : First, XXXX reports a collection to my account for a payday loan without any prior notification. Second, an address that I have never lived at ( in another state ) is being reported to XXXX by this company. Third, payday loans are illegal in the state of Georgia and I have never resided anywhere else! Fourth, the I have never banked at the institution named by the associate I spoke with on the phone. Since I am currently involved bankruptcy and have had identity theft issues in the past, I was told my only recourse would be to file a police report ( for fraud/identity theft ) and then fax it to them ( XXXX ) so that they could investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/2020 CitiBank lowered my available credit on all three of my cards ending in XXXX, XXXX, and XXXX. I have never missed a payment and have all my records to prove so. I called and ask why all three of my cards had their limits reduced to which CitiBank explained they " do not have access '' to that information and that it is " confidential ''. This is a violation of the Fair Credit Reporting Act as they would not give me any response to my inquiry. My spending behaviors have not changed, my income has increased, and now I am going to suffer a dramatic score decrease as my utilizations will go from 50 % to 98 %.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 received a collection notice from XXXX. XXXX XXXX, XXXX. I wrote to XXXX. XXXX  on XX/XX/2016 and requested via certified letter that I '' m disputing the debt and that they please verify the debt as required by the Fair Debt Collection Practices Act. 

I never received a response back from XXXX. XXXX XXXX, XXXX and proceeded to send dispute this collection directly with the 3 major credit reporting agencies ( XXXX, XXXX, Transunion ). 

I provided the same materials that i'm including in my complaint to the credit reporting agencies and XXXX  as well as XXXX both removed the collection from my credit report. 

Transunion is refusing to remove the collection from my credit report which violates the Fair Credit Reporting Act. 

Please help me bring this issue to a close.

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 2018-07-14
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 status incorrect

Complaint:
The usda home loan reported in experian is showing as open when that account is closed, they also repirted the foreclosure started in XX/XX/XXXX when in reality is started in XX/XX/XXXX, these people are reporting a very high amount of balance including almost 50,000 in attorneys fees for which i shouldn't be responsible because i try to pay those prople for years but they rejected my payments just because they discriminated my soc sec household income for which they are under investigation, i meed you to investigate why these people is reporting wrin info iny ccredit, even though i can still buy a new home with a private lender and what they are doing is not taking that opportunity from me, i still want experian amd usda to report the truth in my report. Is not my fault that usda discriminate payments based on income type and have been sued before, but as you will see usda is the only debt in my report i have no problem paying anybody that dont discriminate XXXX income, usda is the only one violating my rights. I please ask you to investigate what they are reporting is a closed account as open and the trial was on XX/XX/XXXX, the forclosure started XX/XX/XXXX, they ate reporting it waz XX/XX/XXXX, Fortunately there are private investors that understand that banks and credit agencies do commit fraud and report wrong information just to hurt people ijust feel sorry, if you cant do nothing to help is good to know that by law it will be remove in two years anyways and regardless i can still buy a nrand new home, if usda dont want XXXX  incone payment others smart lenders will. I hope you can help these people should stop breaking the law just because they are full of hate too sad but is good to know that there are better lenders out there. hope you can help with this situation. Thank you.

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 2023-01-26
Company: LEXISNEXIS
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:
I tried to put credit freezes on these credit agencies reporting my non public personal information without the consent of the consumer controlling his principle. I did not give these credit agencies my consent in no way shape or form to traffic and communicate any information pertaining to my principle. This is aggravated identity theft these companies are getting unjust enrichment while the consumer does not benefit from the use of his own non public personal credit information. These financial institutions did not allow the consumer to remove his non public personal information in which the consumer never gave consent to. The consumer has the right to his non public personal information kept private and these credit agencies violated my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: Experian Information Solutions Inc.
State: AL
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:
Ive tried a total of 5 times, this being the 6th. I have an inaccurate account on my credit report with Experian. The account is from XXXX XXXX XXXX XXXX. 

The issue states that the vehicle is a paid charge off. How is it a charge off AFTER I paid in full? Experian is not doing their full investigation and has yet to show me how theyve verified this information. Experian has STILL yet to give me any exact dates that i ask regarding this account because they are unable to. If this isnt fixed, Ill be forced to file a complaint with the FTC and Attorney General.

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 2019-08-13
Company: General Motors Financial Company, Inc.
State: NC
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:
This complaint is not a duplicate tied to complaint XXXX. I pulled my XXXX credit report and found XXXX XXXX XXXX had pulled my credit without authorization on XX/XX/2018. I sent them a letter to remove the unauthorized inquiry or provide the signed application which is needed to file a FTC identity theft report. They did not delete the inquiry or provide the documentation required under section 604 of the Fair Credit Reporting Act. This is a violation of the law and they must comply be deleting the inquiry or providing the signed application, so an FTC identity theft report can be filed. Failure to adhere to the law will result in legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: CAVALRY INVESTMENTS, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
this number call me and stay on my credit history for while and call me if i don't pay money they will make me go jail and come to house

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: BB&T CORPORATION
State: NC
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:
This complaint is not a duplicate tied to complaint XXXX. I pulled my XXXX credit report and found REGIONAL ACCEPTANCE CORPORATION had pulled my credit without authorization on XX/XX/2018. I sent them a letter to remove the unauthorized inquiry or provide the signed application which is needed to file a FTC identity theft report. They did not delete the inquiry or provide the documentation required under section 604 of the Fair Credit Reporting Act. This is a violation of the law and they must comply be deleting the inquiry or providing the signed application, so an FTC identity theft report can be filed. Failure to adhere to the law will result in legal action.

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 2021-11-03
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve.I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX {$2100.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX {$8100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: EQUIFAX, INC.
State: MO
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: Problem getting your free annual credit report

Complaint:
I have tried several times to get my free credit report from Equifax. Not only this year but last year too. 

I'm thinking it's because of them my credit was compromised and several cards were opened charge up and my account was sent to collections. 

My credit is over 800 with the other companies like XXXX XXXX but with them they are making my life very hard for no reason. 

Why don't you as our rep. kick them out ... .I want a copy of what they are hiding from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Several inquiries that I never authorized on my consumer 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 explanation
Consumer complaint received 2018-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
PLEASE KEEP IN MIND I ONLY WANT A LIMIT INCREASE TO BUILD MY CREDIT SCORE FOR BUSINESS CREDIT I HAVE NO DESIRE TO GO ABOVE 10 PERCENT UTILIZATION. I JUST WANT TO GET OUT OF THE SUBPRIME CREDIT TRAP Hey XXXX, I know youre a busy man so I do not want to take to much of your time. I will be direct and to the point. I have a capital one journey account thats 3 years and 3 months old. I want to thank you guys for giving me credit when I had no credit. My main issue is my credit limit is only XXXX dollars. I graduated college and now I am making XXXX a year. I can afford a XXXX limit. 

This credit limit of XXXX does not match my current income. Also this keeps me at SUBPRIME CREDIT... 

I do not like using this card because my limit is sooooooo low. 

IF YOU CAN HELP ME RAISE MY LIMIT ABOVE 10K I will be indebted to you!!!!! 
I never complained to the XXXX XXXX XXXX Please increase my limit XXXX 10k or above will take me out of subprime and I will be able to get funded for my business. 
THIS WOULD CHANGE MY LIFE FOR THE BETTER MY DESIRED LIMIT IS XXXX BUT IM GREATFUL FOR ANYTHING MORE THAN 10K I AM TRYING TO BUILD MY BUSINESS CREDIT. 

THANKS FOR YOUR TIME HERE ARE MY ACCOUNT DETAILS : XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX LAST FOUR OF CARD NUMBER : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-15
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
Update to my complaint, I was notified that my XXXX could be garnished and was threatened to be. I got a loan and paid off XXXX XXXX for XXXX. I called credit bureaus to notify of illegal debt collection and Law Suit 2016, XXXX XXXX XXXX California XXXX. I was also told by a member of the XXXX XXXX XXXX there a was a lot of information that should have dropped off my credit report, still showing. I also stated to all 3, credit reporting agencies that I was never given a proper subpoena to appear in any court, They sent judgements to my old address 's and failed to contact me VIA e-mail that I have had for at least 30, years to notify me. Again keeping within what DOJ, Ca cited, they served judgements in states where the debtor was not able or given proper legal opportunity to appear. In Violation of Due Process and the 5th amendment in accordance with the OIG U.S. Treasury. They chose to act above the law, for which they again were found of guilty of in 2016. To the best of my knowledge, TSI was collection agency on behalf of USA Distributors in association with XXXX. That I am not sure is or is not the case, I am not able to confirm but hope you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
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:
CHAPTER XXXX BK WAS DISCHARGED ON XX/XX/2011 AND ITS STILL ON MY RECORD I WILL LIKE IT TO BE REMOVED

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 2020-05-27
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I have been using coinbase for a while now and Ive had no problems. 

However, on XX/XX/2020, I sent XXXX and a few moments later I was locked out of my account. 

I have tried to get in contact with coinbase and they have just flatly ignored me. 

I have tried to contact them on so many occasions but they havent contacted me back. 

They say to contact their support and I did and I only received an automated reply and nothing else. They gave me a case number # XXXX since XX/XX/XXXX. 

When reading online, it has happened to so many people which is why I believe it has become a scam site. 

I just want my money back. Its been so tough with coronavirus, we dont need these people to make it worse for us

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
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: Account status incorrect

Complaint:
I started calling the credit bureau back in XX/XX/2020 regarding unauthorized inquires on my credit report. I filed a FTC report and provided FTC file number. 
I sent letters to the companies that requested to pull my credit and did not receive a response. This is my last resort because I followed all the steps to get my inquires removed that I did not authorize. 

The following inquires and dates are unauthorized XXXX XXXX XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX XXXX XXXX XXXXXX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020

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 2020-09-01
Company: Experian Information Solutions 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:
MY IDENTITY WAS USED WITHOUT MY CONSENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN FRAUDULENT ACCOUNTS .. 
I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian XXXX. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2017-12-22
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: Investigation took more than 30 days

Complaint:
It is saying that I paid 100 % of the original amount. But it still reports negatively as a charge off. This loan was paid in full and reflects negatively. 

Overview You 've paid off 100 % of the original amount. 
Balance {$0.00} Highest Balance {$17000.00} Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( 6 yrs, 10 mos ) Term months Payment History Last payment XXXX XXXX, XXXX Current Payment Status Charge-off Worst Payment Status No Info Account Details Account status Closed Type Auto Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Times XXXX/XXXX/XXXX days late XXXX Closed XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: Radius Global Solutions LLC
State: GA
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:
XXXX XXXX XXXX XX/XX/XXXX At XXXX received call about a Line of credit {$42000.00} debt that I owed. They are telling me that the last time I used this debt was XXXX or XXXX. 
Radius Global Solutions XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX - XXXX ( XXXX ) XXXX - XXXX Reference Number : 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