BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
cra violation names wrong inaccurate information on reports sent the po report and id theft gov information no knowledge of accounts XXXX breach has cost me tons of money taking more than 30 days violation of my rights

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
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: Old information reappears or never goes away

Complaint:
trans union keeps saying i have address at XXXX XXXX XXXX XXXX XXXX az never been there or lived there

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 2018-01-19
Company: VW Credit
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
XXXX XXXX made several calls and sent two reminder letters for payment past due on my new vehicle. I sent proof of payments from XXXX XXXX as well a list of ( 24 ) payments made on the old vehicle returned on XXXX XXXX 2017. 

I am very worried about the lack of oversight in the account that can potentially damage my credit report. Two missing payments for a new car lease it will show very quickly in all three credit agencies as well as to lower my credit scores and increase interest rates on future loans. 

I would appreciate it to take action and protect the consumers from future negligent and unprofessional conduct of XXXX XXXX XXXX  XXXX. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: WESTERN UNION COMPANY, THE
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XXXX XXXX, 2018 I started a money transfer overseas to myself ( I 've been living abroad for about a year ) as I have done several times in the past year through Western Union without any issues. Then I received an email asking for a government issue ID which I provided a copy of my U.S passport. I got an email a little later approving the transaction. Then on the day that I was promised that the transferred money would arrive at a local Western Union branch in XXXX for me to pick up I received an email from Western Union stating they were withholding my money. I called the hotline XXXX and spoke with their representative. They told me they needed more information and would want to do an interview with me. I thought that was odd as I have done over 10 transactions with Western Union over the year and had no issues. I requested to know why the interview was needed and the customer rep told me that it was an internal procedure. She then started asking personal questions such as why did I need the money and whether if I was employed and if I had other sources of income. I thought that it was odd for a company like Western Union to ask a customers these questions especially this was not my first transaction and the amount was only {$4000.00}. I told her I needed money to live overseas since I am living in another country. At that point I was fed up with the interrogation and questioning of my own money and what I was gon na do with my money. I do n't think Western Union has a right to ask these questions or if they think they do then they need to list that up front on their website. No where on their website when I did the transfer indicates that they were going interrogate people if they were sending money to themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: Netspend Corporation
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
I received a XXXX 's XXXX XXXX that looks as though it goes through a financial institution called " XXXX '' ( this seems to be their website : XXXX ). The problem with this advertisement, I guess I would call it, is that it has a card number and my name pre-printed on the card. It also has my name, address, a routing number and account number listed on the front page of the letter. While this is prepaid, you have to read the small print behind the card to understand to really understand what this card is and that your credit was not checked for this card. I was very concerned at first because it had all of the account numbers, my name printed, and I thought they ran a credit report. At first, I thought it was a real credit card put in my name. Why should I have to take the time to shred this information and a card, when I never asked for this. It causes unnecessary stress for the consumer and could be misleading to an elderly person. This is poor advertising and it makes me think poorly of XXXX and this XXXX institution. If my name was not pre-printed on this, it didn't have an account and routing number before being activated, and it was very obvious in the letter that this was not run through my credit ; I would be okay.

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 2021-02-17
Company: Bridgecrest Acceptance Corporation
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020 I the federally protected consumer entered a consumer credit transaction with an open-credit plan and have been using the vehicle for household and personal use. As Bridgcrest credit company is the extention of my credit extended back to me the original creditor. Using my social security card they were fully paid at the start of the transaction, using my social security card. They don't have nor can provide me with the original contract for this alleged debt. Anything purchased using my social security card which is under the administration of the United States Corporation. They are responsible and liable for, that's why the alleged statements come in the positive balance and you can't pay on a positive balance. They are a ambiguous debt collector furnishing deceptive forms in this corporation and need to be legally accountable for their actions as a debt collector. I am demanding the agency to work with me the federal protected consumer under the guidelines Fair Debt Collection Practices Act and the amendments to the Truth and Lending Act or else I will pursue federal litigation 's if needing the re-enforcements on the facts of Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: BB&T CORPORATION
State: KY
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: Problem with personal statement of dispute

Complaint:
IN XX/XX/XXXX I bought an ATV, was offered Zero % Interest due to my nearly perfect Credit Score. I accepted that offer from XXXX XXXX XXXX, and the payments were billed by an internet service, XXXX, directly to my XXXX XXXX, which is paid in full every month thru direct debit to my checking account. Never an issue. In XX/XX/XXXX I received a collection call on a Saturday from XXXX asking when I intended to make the past due payments on my account? I was floored, because I had never made a payment, they were drafted automatically monthly ... at least from XX/XX/XXXX to XX/XX/XXXX. I questioned the caller quite a bit, as I was completely unaware of the past due status ... after some time the Customer Service Specialist II, said " You know I remember something like this with another caller a few months ago, can you please hold '' She returned with the name XXXX, the internet service that was actually taking my payment and processing it to XXXX. 

I searched my email for anything from XXXX to find contact information, and I did find an email dated XXXX thanking me for the payment..nothing further ... .after I inquired why they stopped making the payments I was informed of a huge data breech they experienced and that they had suspended all operations. That an email was sent to all users in XX/XX/XXXX notifying users that the service was terminating..well that's great if you get the email ... after several back and forth conversations, sending all the documents I was able to gather, hoping BBT ( XXXX ) would retract the past due report to Credit Bureaus, due the obvious and previous experienced issue with XXXX ... XXXX staed that they offer no 'Good Will '' Adjustments to items reported to the 3 major Credit Bureaus ... .This couldn't be clearer, it was NOT my mistake, yet my credit report has taken a significant hit because of the 60 days past due report. 

XXXX has offered via email to join in a call with XXXX to help support my request for a retraction, admitting that the email they " Sent '' to me was NEVER OPENED, no record that it was ever delivered ... ..spam filter, whatever ... ..and that they were sorry for the problems this has caused. 

This was a failure of the XXXX system, and for the error to cause negative rating to my credit, again nearly perfect for 25 years..is very disturbing ... and doesn't in any way reflect my personal credit responsibility and awareness. Only when I saw the FICO score drop in a monthly statement, did I become alarmed ... ..now 2 weeks into this I'm no better off than when I started this dispute. 

Please help!

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 2018-01-19
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
While looking at a bill statement from XXXX XXXX, I noticed a " debt protection '' fee added on. Such a feature was never discussed, advertised or offered to me when I applied for the card years ago. The online customer rep could n't cancel the " debt protection '' fee and referred me to a phone number to call. I called and managed to have the " debt protection '' " service '' cancelled but could n't get a refund for years of unnecessary billing for a service I was never offered or signed on to.

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 2018-06-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2018 I was notified that an inquiry from XXXX dated XX/XX/2018 showed upon my credit file. I have notified Experian that this inquiry was not authorized by me and also have spoken with XXXX and there was no application put in at there company under my social. Experian is adding inquiries onto my credit file without authorization from me or the company XXXX. I am a victim of identity theft and have a 7 year identity theft notice in place. However Experian is still reporting this inquiry onto my credit file after I have notified them that this was not of my doing. I have never applied for a XXXX and never authorized this inquiry!!!

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 2018-01-19
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: Account status incorrect

Complaint:
Ive just reviewed my credit report and noticed there are several inaccurate late items on my report, the following accounts were disputed but the credit bureaus said that they were accurate.. Even after i showed them proofs they never corrected the issues. 

XXXX XXXX Acct : XXXX : This account is listed as being 30 days late on XXXX. I never made a late payment on this account. 

XXXX XXXX Acct : XXXX : This account is listed as being 60 days late on XXXX. I never made a late payment on this 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 2020-02-26
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I recently received a letter and calls from Midland funding trying to collect on two debts- XXXX ( XXXX ) {$1400.00} and XXXX XXXX ( XXXX XXXX ) {$1000.00}. I tried to explain that I had paid the XXXX account XX/XX/XXXX but they informed me that they have no records and I have to pay and offered 10 % off both accounts if I decide to Settle. I went ahead and set up payment arrangement and they're to take {$25.00} per account the month of XX/XX/XXXX and starting XXXX, {$100.00} each. After I had set up the payments I found the receipt of the settlement agreement for XXXX-XXXX of the cashiers check. I need this to be corrected and removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Despite three written requests, for deletion of three fraudulent accounts sent on XXXX, XXXX, and XXXX ; which have been identified as fraud on my consumer credit report Consumer Reporting Agencies continues to violate Federal Law.

Consumer Reporting Agencies continues to furnish inaccurate and deceptive information without my consent. Consumer Reporting Agencies are invading my consumers privacy and causing me adverse actions. Consumer Reporting Agencies has not provided copies of the original documentation required under FCRA. Consumer Reporting Agencies are noncompliant of the federal 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 2021-09-07
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This is a medical debt that occurred in the state of California in XXXX, through XXXX XXXX XXXX XXXX. Org amount : {$470.00} Amount now {$750.00}. Now showing on all 3 credit bureau 's as Rash Curtis and associates. 2 things. 1. THE ORIGINAL CONTRACT TO THIS ACCOUNT HAS BEEN CANCELED. 2. DATE OF SERVICE PAST STATUE OF LIMITATIONS FOR MEDICAL DEBT IN THE STATE OF CALIFORNIA- WHICH IS 4 YEARS. I have called this company, disputed it with XXXX, XXXX and XXXX, which every single time this company verifies the information as accurate, and it's not, and because they are verifying inaccurate information accurate, its staying on the 3 credit reports. This is not legal, the original contract has been canceled!! This needs to be taken off and fixed and I have tried reaching out to the company and credit bureau 's and this has not be looked into properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
The person used another person 's pictures and made up a fake name and talked me into investment trading of cryptocurrency and then took my money from my account illegally. He told me his name is XXXX XXXX XXXX or XXXX XXXX XXXX, his phone number is ( XXXX ) XXXX, he lives in XXXX, and owns a house and drives a XXXX car. From talking with him, I think that he is a person from XXXX, and he works with this XXXX XXXX XXXX application, and uses his fake identity to trick people to invest in cryptocurrency with him and then stole their money. He asked me to transfer money of {$85000.00} dollars to my coinbase account, and then transfer to a XXXX online website application called XXXX XXXX. He helped me with trading investment, but after the transaction is done, I could not withdraw money from my account and my account got disabled. And then he asked me for another 35,000 and also threatened to kill me many times. Met this unknown person on the XXXX application. Said his name is XXXX XXXX XXXX and XXXX XXXX XXXX and that his birthday is XX/XX/1986. Also stated that he lives in XXXX XXXX XXXX and drives a XXXX XXXX. Talked me into investment of cryptocurrency, and transferred investment money of the amount {$86000.00} from my Coinbase to a XXXX online website called XXXX XXXX. After helped me with trading, my account was disabled and I could not withdraw my money back to my Coinbase. Please help me with this fraud scam, because it is a large amount of money loss and also he can continue on doing fraud and scam to other people with more money. of my supposed account on XXXX XXXX, for which I think the numbers were set up. Because I thought my investment money was transferred to my account on this application, but I think when I asked the transfer address from this customer service, they must have given me the fraud scammer 's wallet information, so that my investment money was actually transferred to his account. as I thought I have investment money in my account on this XXXX XXXX and was withdrawing the money back to my Coinbase, my account got logged out and I could not sign in nor withdraw my money. This unknown person is from XXXX and his name may be XXXX and that his birthday may be XX/XX/86. He used a phone number XXXX and said that he lives in XXXX and drives a XXXX car. This unknown person can be in the XXXX and not in XXXX, because XXXX does not legalize for cryptocurrency investment and he has the XXXX account to get the transfer address and took my investment money illegally. The most important thing is the large amount of money {$86000.00} that I have lost, I wish that you could help return back to my bank account. This unknown person used fake identity name and pictures and talked me into investment trading, tricked me to transfer the investment money to his account, asked for more and threatened me if not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
on XX/XX/2021 I received a letter from XXXX XXXX saying that my personal information including my medical records had been compromised on a cyber security hacked into their system on a letter that I will attach with this dispute. I had gotten multiple letters from transworld systems including medical records but when I ask them for medical release records in which I authorized third parties to have my medical records they totally ignore my dispute to the point that they are sending the same illegal and law breaking letters and just changing the date but still have the same response without providing medical releases. ON THIS DISPUTE I DEMAND TRANSWORLD SYSTEMS TO SEND ME MY MEDICAL RELEASES WITH AN AUTHORIZE SIGNATURE EITHER BY ME OR XXXX XXXX XXXX XXXX XXXX XXXXXXXX. IF TRANSWORLD DECIDES TO IGNORE THIS DEMAND I WILL HAVE NO OTHER OPTION BUT TO SEEK LEGAL COUNSELING. HOW DO I KNOW THAT TRANSWORLD SYSTEMS ARE NOT THE CYBER SECURITY HACKERS IF THEY CAN NOT PROVE OTHERWISE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2020, I contacted XXXX : by Goldman Sachs that there were unauthorized transfers being made from my savings account. While I was on the phone with them these transfers were taking place. They stopped one transfer and recommending closing the account. They transferred what was left in the account to my local bank. They transferred me to the fraud department who would begin an investigation into the transfers. They asked me if any of the transfers were made by me and I reiterated that I had made no transfers since opening the account. 

They assigned claim number XXXX to the investigation. There had been almost 40 trial deposits and transfers of less than {$1.00} made by the people testing the account from XX/XX/XXXX through XX/XX/2020. 

I would like to know the results of claim XXXX and what was done in reaction to the over {$23000.00} in illegal transfers from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: Experian Information Solutions 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:
XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These are all the company names and dispute dates. I called the companies that are reporting these inquiries and nothing has been done. They are still on my account and I also dont have anything connecting myself to these inquiries. 

Its reporting on all 3 of the credit bureaus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This debt was sold to a collection agency that is not licensed in maryland and should not be reporting to my credit. I am a Maryland resident.

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