BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-07
Company: Phoenix Financial Services LLC
State: ND
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
As of XX/XX/19, I have received notification of a hard inquiry on my credit report from a Phoenix Financial about a medical debt collection. I have no collections out for any medical bill, which was proven after I called every medical related billing department in my knowledge and they confirmed all have been paid in full and not sent to collections. I want this off my credit fr report. 
Also I have received about 30 calls just yesterday ( now blocked by XXXX XXXX XXXX ) from an XXXX XXXX to collect on a medical bill that also does not exist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
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 SENT DISPUTES TO REMOVE INACCURATE AND UNVERIFIED INFORMATION FROM MY CREDIT REPORT AND THE COMPANY STILL HAS NOT REMOVED 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 2023-02-11
Company: W&A Intermediate Co., LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This collection from Wakefield and Associates 'appeared ' on my XXXX XXXX account on XXXX. 
I have never been contacted by mail or phone of this debt. I have had the same phone number for over 15 years. I have lived at my current address for the past 8 years. 
There is no phone number on the internet for this company, only a XXXX XXXX XXXX A internet check of them shows they purchased accounts from another collection company due to that company being under investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2023-01-10
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: Information belongs to someone else

Complaint:
I have not applied for any new lines of credit or installment loans. I need these inquires removed from my credit file. As well, send verification document that was used to apply this to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 explanation
Consumer complaint received 2021-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXT XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Creditor XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  ( Original Creditor XXXX XXXX XXXX XXXXXXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: EQUIFAX, INC.
State: MO
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 paid off XXXX XXXX my truck payment in full and they reported me 30 days delinquent. It was an error on XXXX XXXX and it was not removed from my report. I want it removed I never missed a payment and it ruined my credit. I am very upset and it is not fair. My next corse of action is suing XXXX which is expensive and I dont want to go through that. Please help. Thank you XXXX XXXX. 

XXXX reported me late 30 days and I had already paid the truck off. Completely ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 paid off XXXX XXXX my truck payment in full and they reported me 30 days delinquent. It was an error on XXXX XXXX and it was not removed from my report. I want it removed I never missed a payment and it ruined my credit. I am very upset and it is not fair. My next corse of action is suing XXXX which is expensive and I dont want to go through that. Please help. Thank you XXXX XXXX. 

XXXX reported me late 30 days and I had already paid the truck off. Completely ridiculous.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
Account Name XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$1000.00} Account Type : Charge Off This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation. 

Proof of Method of Verification Requests were ignored by the company since XX/XX/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 2018-11-28
Company: Experian Information Solutions Inc.
State: TN
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 a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2023-03-29
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$3.00} XXXX XXXX XXXX Balance : {$5700.00}

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 2020-07-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Sent in XXXX payment with extra principal payment, instead of applying all the extra payment to the principal they applied some of it to a future payment that was not due and did not reflect the correct amount left on my mortgage balance, essentially leaving my payment in limbo to be used however Wells Fargo would like to do with the funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: ENCORE CAPITAL GROUP INC.
State: TX
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:
1 - Hello, onXX/XX/2022 I wrote a letter to Midlland Credit Management in regards to my consumer right of the Debit Collection Act 15 USC 1692g Sec 809 ( 8 ) ( FDCPA ). They have ignore my request of documents that I had the right to requested in my letter to them of Agreement docs and more as you will see and attached is what was sent to me from their company for the second time as this information they have is unacceptable to my consumer right of the law. 

2 - Also on XX/XX/2022 XXXX XXXX XXXX has also ignored my request of documents that I had of my consumer right of the Debit Collection Act 15 USC 1692g Sec 809 ( 8 ) ( FDCPA ). This is the second time and both times I have been ignored but they continue to report information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts 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 2021-07-14
Company: Factor Trust
State: WI
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 went to XXXX XXXX on XX/XX/2021 to open a new checking account I was declined and denied the checking account upon being declined I was given information to where banks pull your information and report from XXXX A different company that banks use to pull your report after calling that company I downloaded my report and discovered several attempts of somebody using my information to try and get loans this is due to some identity theft issues I am having ive been trying to correct several identity theft issues and fraud attempts under my information that I have been noticing on my credit reports from XXXX XXXX XXXX and XXXX as well due to this identity theft I believe this is the reason I was denied to open a checking account with XXXX XXXX because I have no bad making history with anybody I hope that the information I have been providing two different agencies to try and figure out who is using my information can get this problem to stop and correct my credit reports and information so I dont have problems with opening a checking account or applying for credit in the future

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
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:
I got that loan more than 5 years ago had it paid off refinance then they never took the money that I paid off of my balance so I stopped paying. Then today XX/XX/2020 I received a text saying my payment didn't go through which I never authorized the payment. I called the phone number and ask him to stop calling me. they called me back and told me they were from Ace check cashing and that I was going to go to jail if I didn't make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: LendUp Loans LLC
State: LA
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:
Re : XXXX XXXX XX/XX/1981 XXXX XXXX XXXX XXXX XXXX, La. XXXX To whom it may concern : I am seeking to validate inaccurate information appearing on my credit report and thereby I am asking this to be updated to show accurately as set by law. 
Acc # XXXX Flurish Inc DBA Lendup XXXX XXXX XXXX # XXXX XXXX XXXX, CA. XXXX Inaccurate information on account status and payment information. Payments not showing for the month of XXXX and XXXX. 
Please investigate my account in addition to the furnisher of this information along with forwarding this letter and all relevant enclosures to the reporting company and a copy to me for conformation of your actions. 
Please do not merely contact the company electronically without providing a copy of this letter and all relevant enclosures. 


Cordially

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: Coinbase, Inc.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
I have an online account with Coinbase.com where I buy cryptocurrency and store it with them. XXXX allows us to change from XXXX XXXX to another so on XX/XX/XXXX I submitted 2 orders to convert XXXX dollars of MKR cryptocurrency to XXXX XXXX and XXXX dollars of AAVE cryptocurrency to XXXX XXXX. After I submitted the XXXX orders, Coinbase.com performed the conversion at NO fees, commission free. But I noticed that they only gave me XXXX dollars of XXXX from XXXX conversion and XXXX dollars from the XXXX conversion eventhough the conversion is for XXXX and XXXX dollars respectively. XXXX convert some of the money and kept the rest of the requested amount to convert. So I asked to convert XXXX dollars ( XXXX ) but they only converted ( XXXX ) dollars and stole the rest of my money which is about XXXX dollars. Where is my XXXX dollars and why they took it out of my account and why did they convert only a partial amount of my order and took the rest to themselves. Taking XXXX dollars out of my account is stealing and fraud and scam. I converted XXXX dollars of MKR and XXXX dollars of XXXX both to XXXX XXXX so that is what I should get and NOT less XXXX dollars and that is NOT fees. There are no fees for conversion and even if there is it wont be XXXX dollars XXXX gouge their fees on buying cryptocurrency and now they are stealing my money. I want my XXXX dollars back from XXXX. 
These transaction happened on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-01
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 was checking my free annual credit report and I found these accounts that do not belong to me. I declare that I did not authorize anyone to use my information. This information is not information relating to any transaction by myself. I did not benefit in any way from the fraud. I do not have any information about the perpetrator ( s ) but I am willing to work with law enforcement if charges are brought against anyone found to have stolen my identity. None of these fraudulent accounts are related to any of my legit transactions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Paramount GR Holdings, LLC
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
In XXXX of 2022 I got a loan for Solar Panels to be installed by XXXX XXXX XXXX XXXX XXXX XXXX to be put on the house and Financed through XXXX. Three months went by and XXXX XXXX never finished the installation. After another two months went by with extended attempts to contact XXXX XXXX they never returned any calls or emails to finish installation. By this time my payments to XXXX were first due in XXXX of 2022, after multiple attempts to explain to XXXX that the solar panels were not finished installed and or operational. XXXX informed me that XXXX was paid in full and I was required to pay my loan even though the panels were'nt working. XXXX dipersed funds to XXXX without confirming that the solar panels were fully installed and operational. XXXX XXXX has since filled for bankruptcy and is under a Class Action suit from the Arkansas Attorney General XXXX file # XXXX. Also filled a complaint to the XXXX  case # XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I would like to reopen my FRAUD CASE CLAIM # XXXX with Chase bank XX/XX/2022. I have collected evidence supporting my claim that there were several unauthorized fraudulent transactions all occurring XX/XX/2022 listed below in chronological order for your review. 

XXXX. XX/XX/2022 at XXXX XXXX  XXXX, I was alerted by XXXX XXXX via email that someone accessed and compromised my email account. 
XXXX. XX/XX/2022 at XXXX XXXX  XXXX, I was alerted by Chase Bank via email of an unauthorized fraudulent check # XXXX for {$1000.00} was deposit into my account ending XXXX from XXXX XXXX XXXX XXXX # XXXX at XXXX XXXX XXXX 
XXXX. XX/XX/2022 at XXXX XXXX  XXXX, I was alerted by Chase Bank via email from Chase Bank accepting and processing the unauthorized fraudulent check # XXXX of {$1000.00}. 
XXXX. XX/XX/2022 at XXXXXXXX XXXX XXXXXXXX, I was alerted by Chase XXXX with XXXX Team from Chase Bank that XXXX, who was unauthorized by me, was added as a Chase XXXX with XXXX recipient by an authorized fraudulent email address XXXX. 
XXXX. XX/XX/2022, I was alerted that an unauthorized fraudulent email address XXXX unauthorized fraudulent transaction # XXXX transfer via XXXX in the amount of {$1000.00} to an unauthorized recipient XXXX. 
XXXX. XX/XX/2022 at XXXX XXXX  XXXX, I was alerted by Chase Bank via email of an unauthorized fraudulent check # XXXX in the amount of {$1000.00} was deposit into my account ending XXXX from XXXX XXXX XXXX XXXX # XXXX at XXXXXXXX XXXX XXXX 
XXXX. XX/XX/2022 at XXXX XXXX  XXXX, I was alerted by Chase Bank via email of an unauthorized fraudulent check # XXXX for {$1000.00} was deposit into my account ending XXXX from XXXX XXXX XXXX XXXX # XXXX at XXXX XXXX XXXX 
XXXX. XX/XX/2022 at XXXX XXXX  XXXX, I was alerted by Chase Bank via email from Chase Bank accepting and processing the unauthorized fraudulent check # XXXX of {$1000.00}. 

Please approve my fraudulent claim case # XXXX and return my money that was stolen from me immediately to my account in the amount of {$1000.00}.

Company response to consumer: Closed with explanation