BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 applied for a XXXX  XXXX Credit card a few weeks ago and I was not approved now today XX/XX/20 I received a letter in the mail stating the reason why I was not approved was because there are many accounts in negative standing appearing on my credit report. I looked through my credit report because I wasn't aware that there were negative accounts on my credit report and I saw several accounts that I never opened. The accounts are from a few different companies all of which I am not affiliated with in any way. I did not allow any of these accounts to be opened in my name nor did I gain anything from them being opened in my name such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards these accounts. I have already filed a police report regarding these unauthorized accounts.

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 2019-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted Capital One in regards to an account that was sold to XXXX XXXX XXXX. They claim I owe {$1300.00} in which is reported negatively. They have yet to provide me with validation bearing my signature. I am requesting for this account to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 tried to get information from XXXX for several years and have not been able to have student loans on my credit report verified. I have asked for promissory notes, information regarding the opening of these accounts and for all information being reported to ALL XXXX credit bureaus to be verified and reported accurately.
Some time ago I was ordered to appear in from of Judge regarding these student loans, after an information hearing and subsequent status hearing the case against me was dismissed per the Judges orders.
Moreover he also stated that even if XXXX was able to prove the account ownership ( which they ultimately dis not ) the statute of limitations has passed.

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 2019-03-10
Company: Experian Information Solutions Inc.
State: CT
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Dear Sir or Madam, This letter is intended to request the credit bureau to remove a negative mark that was annotated on my record. In 2016, my XXXX XXXX XXXX XXXX XXXX account # *** ) expired and my account was closed ( return date and last payment : XX/XX/2016 ). Payment was provided to XXXX in person at their dealership at the time of the ownership closeout. XXXX however did not update their records and continued charging a property tax under my name for another full year on a car that I didnt own. XXXX submitted their bill to collections and now my score has lost over XXXX points. 
The issue was resolved with XXXX as they received proof from the XXXX that showed the XXXX XXXX has not been registered in my possession for over two years. I am attaching the same proof the XXXX provided to show the car was not in my possession at the time of the annual property tax requirement. I am asking the credit bureau to remove the negative mark given the circumstances and proof furnished in this letter ( and attachment ). 
Supporting Document Enclosed : - XXXX XXXX of registration cancellation

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 2017-08-08
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
In 2014 I attempted to get a deferment on my student loan as I was not making enough moment each month for regular repayments. I had gotten several deferments for forbearance for the same reason over the years. Eventually I did get the payments deferred, but I have a " late '' payment in XXXX 2014 on my credit report. It dragged my credit score down XXXX points and now I have trouble getting apartments and believe it will cause me problems if I attempt to purchase a car or home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/18, I purchased XXXX of Ethereum from Coinbase for {$15000.00}, including their fee. I used a new account with XXXX XXXX that they had already verified using small test transactions. Several days later, when profit of over {$5000.00} was assured, they reversed the transaction, instead of delivering the above shares to my account. Their excuse was that XXXX XXXX, who they had already verified, reversed the charge. Instead of charging a different account for the shares, they simply kept these profits for themselves. In their email about the reversal, they even acknowledge their ability to deliver shares not paid for yet, giving them the obvious option to have delivered the shares to me if the trade were not profitable ( and holding me accountable for order amount rather than their taking the loss ). This reeks of double dealing and I insist they put the original transaction through with the other linked account I have on record with them ( XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Experian Information Solutions Inc.
State: AL
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 has been compromised. I found out because XXXX  XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my 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 2020-08-30
Company: EQUIFAX, INC.
State: NH
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:
On XX/XX/XXXX, I XXXX XXXX XXXX, Discovered on my Equifax account /report that they have an address of XXXX XXXX  XXXX XXXX With the year XXXX. This is listed under contact information. Under disputes theres no way for me to even dispute it and it doesnt allow me too via online. I shouldnt have to make any phone calls or send anything through the mail. I have an online account for a reason. Attached is a screen shot showing this on equifax. XXXX XXXX  XXXX XXXX went into foreclosure in XXXX. On the website XXXX theres public information in regards to the purchasing/deed in XX/XX/XXXX and the foreclosure in XXXX. Screen shots of that is attached to this complaint. I want to know exactly where they got the year XXXX, if public records prove the years XXXX and XXXX. Who told you or provided the documents and where are you getting XXXX from? If its on another consumer report such as XXXX XXXX that equifax owns, thats a major problem considering they are supposed to be pulling from public records by law

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: Experian Information Solutions Inc.
State: IL
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:
There is an XXXX XXXX on my Experian credit report that is not mine - this card was not opened by me and does not appear on my report for any other credit bureau. I only have one account open with XXXX - I have paid it off entirely and never been late. The other card that I don't have any information for, thus is evidently fraudulent is overdue and maxed out. They are alerting me that the company ( XXXX ) said it is mine, so after the initial dispute they put the card back on my acct ; however, at this point, it is evident that it is fraudulently opened with my social security number. I need to have this account removed and investigated for fraud.

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 2018-03-30
Company: CCS Financial Services, Inc.
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
disputed to get of my credit report due to it is not mine

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10
Company: National Credit Systems,Inc.
State: NV
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
They are charging me {$97.00} fraudulently because I've never lived in those apartments. I think somebody uses my name or social security to do that. Please, I want them to call the XXXX  and delete that if I do not take legal action for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
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:
I have sent sent a dispute to Experian certified mail on XX/XX/XXXX advising that there were incorrect things reportinng on my credit. I sent the letters certified mail and I do have receipt it was delivered XX/XX/XXXX. 45 days later I called they told me they never reviewed my dispute but I have proof it was delivered. I sent another letter that was delivered XX/XX/XXXX certified mail. It has now been over 60 days since my initial letter. I have a fraud alert placed with Experian. The incorrect collections and charge offs still have not been removed. I can sue for {$1000.00} per incorrect item they are reporting. I have followed up with the creditor and both Experian, these items are not showing up on XXXX  and XXXX, only Experian. 

The items are as follows XXXX XXXX  {$120.00} XXXX XXXX  {$250.00} XXXX XXXX {$1400.00} XXXX XXXX {$5600.00} XXXX  XXXX {$1400.00} XXXX XXXX {$13000.00} US DEPT OF ED {$7300.00} XXXX  XXXX  {$1900.00}

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 2021-02-22
Company: Rozlin Financial Group, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This collection company ( ROZLIN FINANCIAL GROUP ) is trying to collect on a fraudulent debt ( {$25000.00} ). I NEVER agreed to this debt ( {$25000.00} ) and have no idea on where the amount they are trying to collect on is from. I have asked numerous times to show proof of debt and they refuse to provide any proof i owe this debt. I have disputed through the credit bureaus ( XX/XX/2021 ) as well with no resolve.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10
Company: Orions Management Group, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on XX/XX/2019 I submitted a complaint with the CFPB asking Orions Management Group , LLC to validate the alleged debt in the amount of {$650.00} that is reflecting as negative against my name and social security number with all three credit reporting agencies. On XX/XX/2019 Orions Management Group , LLC responded to my complaint by stating the debt was indeed valid and belonged to me They responded by saying " Orions Management Group , LLC is licensed in Texas and have attached the proof. I have also attached the proof of the original Loan File when he consumer received the loan. We have not violated the FDCPA in which the allegations are made here. Orions sent the 1st Notice letter by law which a copy will be attached. The Chain of Title is XXXX to XXXX XXXX XXXX to XXXX XXXX XXXX XXXX to Orions Management Group , LLC. We have done everything correct by the FDCPA and FCRA. We own the debt and therefore we are reporting as a collection account. This account will not receive and calls it will remain unpaid in a cease and desist status. If there is any further questions that pertain to the debt I can be reached at directly XXXX XXXX XXXX. '' I received a contract that bared an electronic signature and not my WET signature allegedly obtained through my personal email. I would like to know where exactly the furniture ( sofa ) outlined in the contract with XXXX was delivered to, as I never received the furniture outlined in the contract with XXXX. Although, I have done business with XXXX XXXX, the orginal creditor with which the contract with XXXX was initiated, it was through XXXX XXXX and not XXXX. This account is fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2019-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My loan terms was from XX/XX/XXXX-XX/XX/XXXX. When my account was paid off Im full the loan was reported as closed and dropped my credit score XXXX points

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I sent XXXX through my XXXX account to Elite Travel ( XXXX ), for a trip to XXXX from XXXX XXXX. I was given this inforation about the company through a friend who works for an airline. This company offers deals traveling, all inclusively to the XXXX, XXXX XXXX, or internationally for a discounted price. During this time XXXX XXXX only accepted " XXXX '' payments bevasue of COVID 19. Once the documents were signed ( via online ) with dates of the trip and the hotel that was " reserved '' ( XXXX XXXX ). I changed the dates ( in the beginning of XXXX XXXX of the trip to the beginning of XXXX, because of COVID-19. I have not received any confirmation update about the trip. 

I called customer service and the representative stated the they will be back in the physical office on XX/XX/XXXX and then I would receive an updates confirmation. 
The representative stated the the hotel would contact me 15 days prior of the trip, even if the reservations was cancelled ( which is a call I have not received ). 

XX/XX/XXXX had arrived and went and I still have not received any confirmation. I then contacted the company again on XX/XX/XXXX, asking for a conformation. The representative stated that I would not receive one until 15 day prior to the trip ( which was stated for the first booking and I was never contacted ). I asked to speak to the supervisor and was given an email ( XXXX ). I sent an email on XX/XX/XXXX and XXXX and did not receive any reply. I attempted to dispute it with my bank ( Wells Fargo ), but because it was a " XXXX '' transaction I was not able to dispute 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 2020-05-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been engaged in an issue with Portfolio Recovery that despite their claims to the contrary on the credit bureau reports, by listing the items as resolved, has come nowhere near being resolved. This is has been stretching on for over a year and still remains a problem. And now there has been a new complication to the issue. 
Portfolio, as a result of a prior dispute, sent notice that they were ceasing collection activity on XX/XX/XXXX. However they did not completely follow the directive of their own notice and continued furnishing derogatory information to all three of my credit reports, despite the accounts they claim to be the original claimants of these alleged accounts not even appearing anywhere on my credit files with any of the bureaus. Reporting on credit is a form of debt collection and, as such, Portfolio continues to violate their own agreement with the CFPB to cease collection activity. 
The current and most recent issue that has arisen with this company involves the fact that they are pulling my credit from Transunion, most recently on XX/XX/XXXX. I only discovered this fact as a result of just having signed up for annualcreditreport and learning of this or I would have filed this sooner. Given that Portfolio have ceased collection activity on these alleged accounts, they should not have any permissible purpose in accessing my files and viewing my personal information. If they have some some strategy in mind they should explain it in their response otherwise they engaging in deceptive and unfair practices as under the FDCPA and UDAAP. Furthermore, they should cease pulling my file in the absence of said permissible purpose and they should also delete my file from their records and cease reporting activity as they should have a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: The CMI Group, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Received a notice from my new monitoring service regarding an account from CREDIT MANAGEMENT LP from date XX/XX/2018 in regards to a fraudulent debt that does not belong to me. I am a victim of identity theft in which this account is a fruadulant account that has been reported to the FTC reporting a debt of {$370.00} I have attached a copy of the FTC report to identify this fruadulant account to have this removed from my file asap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
On Friday, XX/XX/19 Navient has disclosed personal information to my relatives about my student debt without my permission. They have not contacted me via phone in 6 months and have decided to give my family members in Georgia information about my student loans. The name of the Agent was XXXX and she lied stating she got my cousin 's information that I disclosed to them, which i did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10
Company: EQUIFAX, INC.
State: AZ
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:
Purchased XXXX XXXX XXXX which was a lemon in XXXX. It was repossessed in XX/XX/XXXX. Every time my credit score gets to XXXX or just above it is summarily dropped 60-70 points as this expired charge off is added again. A third party collector has altered the dates XXXX XXXX XXXX XXXX. The original creditor was XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened Platinum checking account on XX/XX/XXXX and was to receive a {$400.00} bonus within 90 days of making a {$1000.00} direct deposit. ( Application ID : XXXX ) Citizens bank responded to my inquiry on XX/XX/XXXX as follows : " The bonus is paid out on our promotions 90 days from the date that the requirements of the promotion are met. Your account had a direct deposit of at least {$1000.00} which posted on XX/XX/XXXX. Therefore it is too early for the bonus to post. Please allow the appropriate time frame. '' 90 days would have been XX/XX/XXXX. As of XX/XX/XXXX, the bonus has not yet posted but a service charge of {$25.00} posted.

Company response to consumer: Closed with explanation