BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-16
Company: Phoenix Financial Services LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a email from XXXX  on XX/XX/XXXX at XXXX stating that there was a new collection item added on my report. So I contacted the company and a guy answered the phone and he appeared to already have my name and date of birth the moment he received the call. I confirm my date of birth with him and then I proceeded to state the reason of my call. I wanted to know what and why this debt was added to my report. They guy states where the debt came from in which I have no knowledge of the company and the debt supposedly be from the year of XXXX, so of course I really dont know where this came from. I asked the guy if he can send me proof of the original bill from this supposedly company and thats when the chaos started. This guy begins to accuse me of not responding to the original bill from XX/XX/XXXX, he told me he cant send me a copy of the original statement and that he already told me where it came from. He also accuses me of ignoring the original statement and each time I spoke he began speaking over me. He was not allowing me to talk or respond so our conversation became really chaotic to the point that I got upset and began yelling. To end the chaos I hung up and I will not be contacting this company again. I am very upset at how this one employee handled my situation when it all couldve been so simple had he communicated in a professional manner. All I wanted was the original bill or statement that says that I am responsible for this bill Im which I will pay if Im responsible. I will not tolerate disrespectful behavior as a consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2020-12-19
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
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 following checking accounts listed on my Chex Systems Consumer ID Report : XXXX are fraudulent checking accounts that are not my checking accounts : XXXX XXXX XXXX, {$900.00} and XXXX XXXX-XXXX, {$1900.00}. I did not open an account with XXXX XXXX or XXXX XXXX XXXX. The fraudulent checking accounts are not my checking accounts. The following credit inquiries listed on my Chex Systems Consumer Report are fraudulent and unauthorized : XXXX XXXX, XX/XX/2020 and XXXX XXXX, XX/XX/2020. I am a victim of identity theft and have been a victim of identity theft for over 20 years. Chex Systems has a current police report on file of me being a victim 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 2019-11-05
Company: Circle Internet Financial
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XXXX XXXX, 2019 XXXX Price Crash Triggers XXXX BTC  Loss on Poloniex. 

On XXXX XXXX, 2019 Poloniex seize the principal of all Bitcoin lenders 16.202 %. when XXXX crash happened. In my opinion, this is unfair seize for all lenders. I have 3 main reasons below. 

Fisrt of all, the truth is all BTC loans on Poloniex are lent in peer-to-peer margin lending. They had changed their rules suddenly when XXXX crash happened. Poloniex gave the reason to lenders is " All BTC loans on Poloniex are lent in a common pool that is shared across all markets and borrowers '', which is not true. They had just changed overnight for their own win in this situations. 

Second, Poloniex system is flawed and don't have proper automatic liquidations in their margin system. Moreover, Poloniex had allowed XXXX can margin trade by not having a proper liquidation system for XXXX/BTC pair. It was Poloniex fault, not lenders. 

Third, Poloniex said that XXXX BTC loss in the Poloniex XXXX lending pool. ( assuming that it's pool. ) But there is no evidence to prove that XXXX BTC is real loss by lenders. While they had got XXXX BTC  from lenders already. 

In conclusion, I would like to get my BTC back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I really need help removing old addresses that don't belong to me and it's not even required under the provisions of FCRA. I've contacted each credit bureaus individually and sent them all the documents for over a year now, but they've failed to removed those addresses on the attachments. Please see the attachment for detail. it's my understanding under law, that the agencies are held to a high standard to ensure that the information on the consumer credit is 100 % accurate and things that don't need to belong there, therefore, need to be removed. I'm asking again, and I've attached it here as well, Please delete those addresses. As far as I know by reading the FTC, FCRA laws and regulations, any and all others are inaccurate and/or outdated informationmustbe deletedimmediately from my credit report asthey are not reportable as per theFCRA, since they are inaccurate. Please delete and send me an updated 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 2020-12-19
Company: EQUIFAX, 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 {$2300.00}, {$4500.00}, {$4600.00}.

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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4600.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: Netspend Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Prepaid XXXX XXXX from XXXX account will not let me close my account after I told them to cancel 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 2019-05-16
Company: Trident Asset Management, L.L.C.
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: Account information incorrect

Complaint:
The Debt Collection Agency Trident Asset Management, LLC is reporting an old account from XXXX using and incorrect date of delinquency. The account has been re-aged to appear newer than it actually is. Which will subsequently allow the account to remain on my credit for much longer than legally allowed. The account is reported as having an open date of XX/XX/ when in fact the account was actually opened and became delinquent in XXXX. In XXXX I was no longer living at the address associated with the XXXX account and had in fact not been living there for 2-3 years. I have contacted the credit bureau regarding this issue and instead of verifying the delinquency date with supporting documentation from the collection agency, they only verified if the debt belonged to me. I contacted the collection agency with a certified direct dispute of credit reporting. I listed the information being disputed as the date of delinquency of the account. I have requested documentation showing the date of first late 30 day payment. I am still awaiting a reply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
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: Personal information incorrect

Complaint:
I really need help removing old addresses that don't belong to me and it's not even required under the provisions of FCRA. I've contacted each credit bureaus individually and sent them all the documents for over a year now, but they've failed to removed those addresses on the attachments. Please see the attachment for detail. it's my understanding under law, that the agencies are held to a high standard to ensure that the information on the consumer credit is 100 % accurate and things that don't need to belong there, therefore, need to be removed. I'm asking again, and I've attached it here as well, Please delete those addresses. As far as I know by reading the FTC, FCRA laws and regulations, any and all others are inaccurate and/or outdated informationmustbe deletedimmediately from my credit report asthey are not reportable as per theFCRA, since they are inaccurate. Please delete and send me an updated report!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: NORTHSTAR FUNDING INC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I completed a mortgage application, paid a fee and never heard back from the banker. Even after making several calls and sending several emails. The banker stopped responding. I have great credit. The banker took my application, ran credit, charged a fee and disappeared.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Byrider Franchising, LLC
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$7900.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2001 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
XXXX # XXXX is reporting a collection on my credit report that I never received any notice for. This is a violation of my 30 day right to dispute and they have not provided any proof that this collection is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My loan has been in forbearance period for 5 months. To request for an extension, I submitted a Borrower Assistance Application and reference documents to mortgage company through email on XX/XX/2020. 

I received a 'Notice of Default and Intent to Accelerate ' letter requesting to payoff the delinquent amount from XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: EQUIFAX, 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:
I was checking my credit reports and noticed an unauthorized account furnished on my credit report. XXXX XXXX  account opened XX/XX/2013 ending in XXXX should be removed from my credit report. I did not consent to, authorize nor benefit from this account. Block and remove it. I have filed a FTC Identity Theft report which is attached. If I received goods or services please have a senior executive certify under the penalty of perjury that I have in fact received goods or services as a result of this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: Financial Credit Service, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a voicemail message Thursday, XX/XX/2019 at XXXX XXXX  from a man who did not identify himself but said he was calling on behalf of XXXX XXXX with ARA, Inc. He left the number XXXX and extension XXXX for a return call and included the case #. When I returned the call to inquire about the purpose of the call he said that it was about a XXXX  [ which I do not have, nor have I ]. When I told him I don't have one he said that I do and then started listing off the last 4 of my social, large portions of other credit card numbers and said that I would soon loses access to these cards and to my bank account ( s ). When I tried to verify the phone number to give to my attorney he  accused me of using stall tactics. When I asked again to verify the phone number for the attorney, he hung up on me. I called my credit card companies directly to inquire about my accounts and was assured that all was in good standing. I feel that I was threatened over monies I can not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am making this complaint because despite my efforts for a resolution I have failed to receive a LAWFUL remedy for fraudulent reporting of adverse accounts on my report. On XX/XX/21 I sent letters out to the credit reporting agencies XXXX, XXXX, Transunion requesting deletions of these account but after 60 days only one account was remedied. 
They following account needs to be DELETED from my consumer report : Misleading False Reporting Unverifiable/ Inaccurate Date Opened Date Last Active Account Status and Last payment XXXX Account Number : XXXX I XXXX XXXX as the only " natural person '' and also " original creditor '' did NOT give instruction for these agencies to furnish this adverse account on my report, I do not validate this alleged debt. According to Congress law under 15 U.S. Code 1681b - Permissible purposes of consumer reports. 

( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. 
( G )

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 2019-06-28
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Called twice to ask for my account number for each individual loan reporting on my credit report. The associate claims they are not allowed to give it out to the consumer. Manager during the conversation that he needs to know what I need it for first. I told it qas for the irs. And he still refused. There is currently no way to get my full account without they're corporation. Account need to be verified and this company need to extorted for bad consumer practice. Please show the policy in which your not suppose to provide the clients information after they've proved to you that the account belongs to the person?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
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: Account status incorrect

Complaint:
On my credit report, it shows that I am current with 1 missed 30 day late for XXXX XXXX. I have never been late and have received a call and a letter from XXXX XXXX apologizing, but yet it is still on my credit report. Even though they promised to remove it.

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 2019-05-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I had a Citizens Bank Checking Account number XXXX. 
I was subject to Identify Theft where my Checking Debit card was stolen! I notified the local police authority and immediately notified Citizens. 
Because of the identity theft, no fault of mine own, Citizens arbitrarily and capriciously closed my checking account! 
I then notified the Corporate Offices of Citiizens who advised my account should not have been closed and to go into my local branch and reopen it! I have attempted this without success!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
After multiple attempts of writing letters to the credit bureaus, they continue to report inaccurate information on my credit which hurts my ability to obtain credit. There are several accounts reporting activity date incorrect, accounts that do not belong to me are reporting, late payments are reporting on my student loan accounts. Accounts that were deleted have reappeared on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
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 information incorrect

Complaint:
After multiple attempts of writing letters to the credit bureaus, they continue to report inaccurate information on my credit which hurts my ability to obtain credit. There are several accounts reporting activity date incorrect, accounts that do not belong to me are reporting, late payments are reporting on my student loan accounts. Accounts that were deleted have reappeared on 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 explanation