BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX  and Experian are inaccurately reporting the payment history of my student loan account. I have been enrolled in school and is erroneously reporting late payments. I sent XXXX  and Experian   documentation from the loan service provider verifying that my loans were under forbearance for the time period the loans are reported late. XXXX  removed the late payments initially but placed them back on my report without notifying me. Experian never responded to my request. XXXX  and Experian are violating the law by reporting inaccurate information.

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 2020-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CAPITAL ONE SWEARS I OWE THEM 400 PLUS DOLLARS BUT CAN'T PROVE IT. I ASKED THEM MULTIPLE TIMES. I EVEN PHYSICALLY WENT INTO A LOCATION IN XXXX XXXX. THEY TOLD ME MY ACCOUNT WAS CLEAN, THEN OFFERED ME AN AUTO LOAN. 

HOW CAN I GET ANOTHER LOAN IF I OWED? A LOAN FOR 100 TIMES THE AMOUNT SUPPOSEDLY OWED? EXACTLY. THAT'S NOT HOW IT WORKS. 

I'VE DISPUTED THIS MULTIPLE TIME. I DON'T KNOW WHAT ELSE TO DO, BUT COME XXXX XXXX XXXXXXXX. 

I ALREADY PAID THE CARD I HAD WITH YOU ALL. LATE, BUT I PAID IT. ONCE I PAID IT, YALL BEGAN ASKING FOR MORE MONEY. HOW? HOW CAN YOU BE CHARGING ME PAST INTEREST ON SOMETHING THAT WAS PAID OFF? THEN YOU KEEP GOING TO XXXX XXXX XXXX. 

AFTER I PAID THE CARD OFF, TELL ME, WHY WOULD I WANT ANOTHER ONE? YALL XXXX  AND LAZY. I WISH I HAD ENOUGH FOR A CLASS ACTIONS LAWSUIT. 

STOP ASKING ME FOR MONEY. DIRECTLY OR THROUGH YOUR FLUNKIES. I DON'T OWE YOU ANYTHING. YOU SAID I DON'T. EVEN THEN, THAT WAS IN XXXX. NO LATER THAN XXXX. HOW CAN YOU STILL BE CLAIMING THIS 7 YEARS LATER. PAID OR NOT? 

IF YOU CONTINUE TO ILLEGALLY HARASS ME, I INTEND TO FILE AN OFFICIAL COMPLAINT WITH MY STATE, LOCAL, AND NATIONAL COURT UNDER THE FCRA. YOUR INTERFERENCE IN MY LIFE HAS COST ME AN OPPORTUNITY TO GET EVEN MORE CREDIT FOR OTHER THINGS. STOP IT. NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: Aargon Agency, 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:
I had a baby but I was covered by XX/XX/XXXX XXXX  my billing ID # was XXXX at the time that should have covered all of my accounts with this company before it even got to a collection agency. They keep trying to say I owe this debt in which I do not. They haven't even attempted to bill XXXX.I moved from Nevada due to my husband suffering a XXXX but prior to the move. My XXXX was approved it just needs to be rebilled the name of the company is AARGON AGNCY XXXX XXXX I have about 4 accounts with them but they are refusing to help me or remove these accounts and they are affecting my credit.

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 2018-04-22
Company: Experian Information Solutions 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:
Attached to this complaint is documentation for review. I am a victim of identity theft. The following accounts, collection account and credit inquiries are fraudulent, unauthorized and arent mine : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Card, XXXX XXXX, XXXX XXXX  XXXX. I filed a police report with the XXXX County Sheriffs Office for the fraudulent accounts and credit inquiries listed on my XXXX, Experian and XXXX XXXX credit report. The police report case number is : 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 non-monetary relief
Consumer complaint received 2018-04-22
Company: EQUIFAX, 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:
Im a victim of identity theft. And i have witnessed inquiries i did not authorize nor were made aware of. This is holden my credit in a negative position.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Coinbase is refusing to allow me to withdraw my money in the cash portion of my account. They claim they need to verify my account. However, they don't need to verify my account when I'm paying them their fees, so that's a double standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: Experian Information Solutions Inc.
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: Old information reappears or never goes away

Complaint:
Contacted Company about reporting account that was XXXX in bankruptcy 12 years ago. Randomly in XX/XX/XXXX they started to report it on my credit reports even though it was never reaffirmed. They stated a supervisor would call back but never did. Filed disputes with 3 major reporting agencies and results have been " they say it's accurate '' even though I included copies of bankruptcy ( XXXX ) and discharge ( 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 non-monetary relief
Consumer complaint received 2020-10-15
Company: Nationwide Recovery Systems, Ltd
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Nationwide Recovery Systems have absolutely destroyed my credit. For the past 10 years, this company has continuously reported an account for {$790.00} on my credit file. Every time the account falls off of my credit report Nationwide Recovery Systems as reopened it as a new account. This is in violation of the FTC. 


XXXX XXXX XXXX XXXX with XXXX XXXX XXXX has also done the same exact thing for the past 10 years. I have personally disputed these accounts with the Credit Bureaus but I have seem to be not successful with them. This is my last step before I hire an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: EQUIFAX, INC.
State: FL
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:
Equifax XXXX XXXX Inquiry from XXXX XXXX, 2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: Account Management Resources
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have disputed this account with XXXX for more than a year. The account was deleted then placed back on my credit file. My identity was used fraudulently as I stated in the police report sent to XXXX a year ago.

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 2020-10-15
Company: United Revenue Corporation
State: TX
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/XXXX, I sent a request to United Revenue Corp asking the company to validate four separate medical debt, by sending a breakdown of the fees, to provide a copy of my signature authorizing release of my medical information and I asked them to also validate the  debt ( when it became first delinquent and etc ). On XX/XX/XXXX, I received a letter advising me that it was frivolous attempt for the account with the amount of XXXX. I never received any validation attempts. On XX/XX/XXXX, I received billing statements for 3 different accounts on their letterhead which still doesn't provide me with all that is needed to validate the debts. On  XXXX, I resent a request to the company for 4 debts requesting the info I need to validate the debts. On XX/XX/XXXX, I received more letters from URC stating that these were frivolous attempts and they provided the necesaary information, which they did not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company couldn't verify that both debt were mine. Which i had no knowledge of their exists.

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 2021-05-03
Company: The CBE Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A derogatory remark appeared on my credit report on XX/XX/XXXX and it was put by the CBE Group. I contacted the CBE Group on XX/XX/XXXX and I let them know that the debt is disputed and I also told them that they did not try to contact me to first before putting the debt on credit report was derogatory remark and thereby hurting my credit score which dropped by more than 25 pts by this action. When I contacted CBE group and disputed the payment, they said they will remove the debt remark immediately but it has been 14 days today and the this fraudulent debt has not been yet removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09
Company: The Outsource Group, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I discovered a collection account that XXXX XXXX on my credit report on XX/XX/XXXX by  XXXX XXXX XXXX when I took my child to XXXX XXXX in XX/XX/XXXX. I called the collection service and the hospital and dispute the amount of the bill which was {$1500.00} I sent them both documented proof that on the date of service I did had valid and billable insurance when I spoke with the representative at the hospital in the billing department it was discovered that the hospital filed with the insurance the wrong billing code under mental health instead of medical servics. she told me this was a hospital XXXX and since two years had passed she don't think that the insurance company would pay and this was a billing and coding error in the hospital billing department. XXXX XXXX  account was taken off of my credit reports within 90 days. yet on XX/XX/XXXX I discovered that the hospital has once again place the same account with a balance of {$1500.00} back on my credit report again with a different collection agency called XXXX XXXX XXXX and I am disputing it once again with the hospital and with the collection service with those same document showing that on a date of service I had valid and billable insurance.

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 2020-10-15
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I believe that I was Sued in supreme court of a judgement against me from ( Pressler. Felt & Warshaw, LLP ) for the amount of ( {$1000.00} ) claiming to collect the debt of ( XXXX XXXX XXXX  ). but after trying to confirmed the information, which can't confirm not a single thing. I believe this is a act of Forgery on the primises of Falsifying Documents.

Reasons of Forgery 1st. Docket Number ( XXXX ) does not exist in court records, indicating there were no law sued file and won by Pressler, ( Felt & Warshaw, LLP ) of  any kind 2nd In my credit report and public records there are no mention of ( Pressler , Felt & Warshaw , LLP ) Judgement of any kind.

3rd The certified mail tracking numbers only indicted that it's were delivered, that's it.

no sender, or history of any kind.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Experian Information Solutions Inc.
State: AL
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:
n accordance with fair credit reporting act XXXX  Account # XXXX has violated my rights.15 u.s.c. 1681 section 602 A states i have right to privacy.15u.s.c 1681section 602A it also states a cosumer reporting agency can not furnish account without my written instructions. XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-09
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
To whom it may concern, I opened the Citibank account for the {$400.00} bonus. The terms of the account is to have {$15000.00} by 30 days of opening and you will get the bonus. I opened my account in XX/XX/XXXX and I still have no received my bonus as of today in XX/XX/2018. I deposited the amount needed for the bonus in time! I was sent an email that I didn't qualify for the bonus and I immediately called them a couple of months ago. The representative double checked I had all the things needed to obtain the bonus and they confirmed and put a note on my account that I do qualify for the bonus. I asked if there was a way to expedite the process and make a claim to make sure that I get the bonus. They responded to me that I was not able to make a claim until XX/XX/XXXX. I was on vacation so I was not able until later on. I again tried to contact Citibank and I finally filed a claim 1 week ago. They said they will respond in 2 days but I haven't heard no response yet. I will attached the claim number upon request.

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 2018-12-09
Company: Riverwalk Financial Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Number : XXXX XXXX : XX/XX/2018 Amount : {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: ENOVA INTERNATIONAL, INC.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
The company calls my phone repeatedly during the day, while I am at work. I have asked them repeatedly to stop calling me several times a day. 
Currently, I have a settlement offer setup on my account to be paid off by XX/XX/2020. 
I have payment arrangements set. 
( bad enough, I requested help several times with payment extensions due to lowered income because of COVID-19, and was refused help ) I made a payment on the account on XX/XX/2020, and another payment set to come out on XX/XX/2020. On XX/XX/2020, I began receiving calls from Cashnet. Each call, I explained the settlement offer, and asked them not to call me again, unless my paymnet on XX/XX/2020 doesn't go through. ( which is proper collection practices based on FDCPA ). 
However, I received more calls the next day, day after that, day after that, and even received a call, today. The day after my payment was cleared through my account. 
I requested on XX/XX/2020 for account to be notated that I have payments setup, and was assured that the calls would stop. 
THIS IS HARASSMENT. THERE IS NO CAUSE for them to continue calling me each day, after I have explained myself and asked them to stop, when information is clear to see on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been the victim of identity theft several times in the past I have a new identity theft alert on my credit and I have a credit lock placed. There are three medical collections on my credit report that are not mine and were not originated by me. They are the following : 1 ) XXXX XXXX XXXX Acct # XXXX 2 ) XXXX   Acct # XXXX 3 ) XXXX  Acct # 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 non-monetary relief
Consumer complaint received 2018-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been the victim of identity theft several times in the past I have a new identity theft alert on my credit and I have a credit lock placed. There are three medical collections on my credit report that are not mine and were not originated by me. They are the following : 1 ) XXXX XXXX XXXX  Acct # XXXX  2 ) XXXX   Acct # XXXX 3 ) XXXX  Acct # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX listed multiple 30/60 day late payment on my credit report from XX/XX/XXXX and XX/XX/XXXX. This information is incorrect and negatively affecting my credit report. This is reporting on XXXX and Transunion. Please remove the 30/60 day late payments from my credit reports.

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 2018-12-09
Company: EQUIFAX, INC.
State: LA
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:
FAILING TO COMPLETE PROPER INVESTIGATION On XX/XX/2018. 
I received a letter from Equifax stated that they completed an Investigation into accounts I disputed. 
I requested ORIGINAL CONTRACT with my SIGNATURE for proof of VERIFICATION, for [ XXXX XXXX and XXXX XXXX ] Their claim was that the account were. VERIFIED, WITHOUT providing PROOF. 

I file a complaint here at CFPB. 
On XX/XX/2018, I received another letter like the one I complained about, stating the account was VERIFIED. 

The account in question has signature with another last name, not mine. The terms show as 8years, when on contract shows as 6years. 

If original contract was requested, the company would have notices this INACCURATE REPORTING. 

The other, XXXX XXXX, collection for XXXX XXXX, is result of identity theft, which report was filed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Please know that I was not late on this account. I wonder why XXXX, XXXX  and Transunion report it as late XXXX   XXXX when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: Rosebud Economic Development Corporation
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I made a payment in XX/XX/XXXX XXXX the guy said i had 6 more psyments then i made one in XXXX XXXX he said i had 6 payments left then XXXXand i called the lady said they never said that and i still owed XXXX on a XXXX loan and only admitted me paying XXXX i also made one XXXX payment and i no longer has ve the checking account i used the begining payments im moving and they do not hsve that bank were im moving to i feel like im being scammed because the loan amount keeps changing ill never pay them off being on social security.

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