BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-04
Company: Credit Bureau of Council Bluffs, Inc DBA Credit Information Systems
State: UT
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:
I noticed several hard inquires on my credit report that I do not recognize. The list is as followed : Inquiry from XX/XX/XXXX : Institution Information Credit Info COUNCIL BLUFFS, IA XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX : Institution Information Credit Info COUNCIL BLUFFS, IA XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX : Institution Information XXXX XXXX, VA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Mr. Cooper Group Inc.
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SaturdayXX/XX/XXXX woke up to 8 unauthorized monthly payments taken out of my account. Called Mr. Cooper multiple times and was either disconnected or advised to leave a call back. Even sent messages on face back. No one had gotten back to me at all and had to find out through XXXX there was even an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: Franklin Credit Management Corporation
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2017 I received a letter from XXXX XXXX XXXX XXXX stating I owed XXXX. They said if I do n't respond in 30 days they would assume the debt was mine. I responded the business day by certified mail asking them to validate the debt, prove that I signed a note of some kind and prove it is not a scam. I also flied a complaint with the Minnesota Attorney Generals office asking the company to " Please provide proof that the debt is mine, that they have the legal right to collect, and that this debt is not some sort of " Time Barred Debt. '' I am worried that this company is trying to scam consumers into paying debt they legally do not owe. I am a father of XXXX and work three jobs just to stay afloat. My children care on XXXX XXXX for health insurance and we I buy groceries at XXXX XXXX XXXX just to provide food. The food is outdated but I am doing my best. I considered going to the media but wanted to see if CFPB could look into this issue and stop the harassing letters. Any help would be much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: Experian Information Solutions Inc.
State: OH
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 show a XXXX XXXX XXXX on my report. Ohio law and courts do not report to credit bureaus or third party reporting. The courts do not allow that and will not provide that information to the credit bureaus. They are not permitted XXXX, XXXX or Experian to place information on my report without accuracy or proof from the courts. I would like this removed immediately from all three bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions 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:
In accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

account name : XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U. S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information. other than records of convictions of crime 's which antedates the report by more than seven years.

15 U.S.C.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'm in the market for a new car and I was told to check my credit report before I went to the dealership. I checked my credit report and I noticed a few items that I didn't authorize. These items are not mine and I need these items deleted from my credit report. I'm working on this process on my own behalf. I have reached out to the FTC and to my local police department. 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 2020-01-21
Company: Square Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I used Square for my business needs with XXXX and they closed my account, after my account was closed my remaining balance was/is being held from me for 90 days starting the XX/XX/XXXX, I need this money horribly to survive. They have shady terms and the fact i could accept money but now they wont let me recieve my payment that i urgenty need put me in a position where i am scared for the next week on how i will pay rent for my family. This is a huge problem ive had with lots of companies dealing with bitcoin transactions, funny thing is these companies just have to let me process my payments and thats my ony wall i keep running into trynig to use these services. Im scared for the future because I made a mistaje using this service. This is unfair and inhumane. I dont deserve this. I cant get any help or even an email from support dealing with this matter i feel so hopeless and sick to my stomach over this. The phone line they have is a useless bot so ive taken action with you guys. Any help is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Good afternoon. To whom may concern. 
I contact the credit bureaus that the are some incorrect information that doesn't belong to me that. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove a thank you so much.

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 2021-01-21
Company: WELLS FARGO & COMPANY
State: VA
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 submited a dispute wihth XXXX to dispute a 30-day late payment that Wells Fargo reported for XX/XX/XXXX and provided them with copies of my Wells Fargo statements showing that Wells Fargo made mistakes and I should not have a 30 day late payment on my account. The payment was done 7 days from when it was originally due and I was never past due on my account XXXX Wells Fargo has me past due incorrectly on my XXXX statement ). After submitting the evidence to XXXX, they sent the information to Wells Fargo, but Wells Fargo validated the late payment even though I provided evidence ) and XXXX disregarded the evidence and left the 30 day late payment because Wells Fargo " validated '' the late payment. I have disputed this twice with XXXX on XX/XX/XXXX and on XX/XX/XXXX closed the dispute and left the 30day late payment - completely ignoring the evidence/documents. I called them on XX/XX/XXXX after reviewing the results and they said even though they had the evidence they can not delete it, unless Wells Fargo tells them to. I thought they were supposed to be the mediators in this investigation, but according to them, they only go based on what the creditor provides them -- regardless of any evidence or legal documents I may have. They recommended that I reach out to Wells Fargo, but I explaned that they can not find my account when I call over the phone. Anyway, I disputed the late payment with Wells Fargo again on XX/XX/XXXX and on XX/XX/XXXX they closed the dispute AGAIN saying the same thing - Wells Fargo validated the late payment and could not provide me with proof or comments from Wells Fargo. Also, Wells Fargo is disregarding the documents and when I call them they are saying my account has been purged and they recommend me to reach out to the credit bureas. So it's like XXXX says to call Wells Fargo, and then Wells Fargo says to call XXXX - I keep getting the run around and being re-directed and all parties are not reviewing the documents. I was under the impression that XXXX  was responsible to make sure Wells Fargo corrected their error and see their oversight, but XXXX said no and there is nothign they can do if Wells Fargo keeps validating the late payment. Any help you can provide will be really helpful. Additionally, I did reach out to Wells Fargo Executive Offices on XX/XX/XXXX and also sent them the documents I sent to the credit bureas on XX/XX/XXXX - they are the only department that can find my account, but can not dispute it on my behalf and they have routed to their credit department which keeps validating the incorrect payment.

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 2019-08-14
Company: AmeriCollect
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: Their investigation did not fix an error on your report

Complaint:
Americollect is continually reporting an entry on my report that they are unable to validate. On numerous occasions ( see attached ), I have requested debt validation from them and they are yet to provide. In their most recent communication, they provided a mere typewritten statement that was not letterhead. In my most recent communication with Americollect, I requested they provide a copy of the financial responsibility page, provide a copy of my signature with the provider of service to release my medical information to them, and to cease any credit bureau reporting until the debt has been validated by me ; to date, to no avail. The mere fabrication of an invoice from them as well as the copy that reflects XXXX is insufficient in justifying that this alleged debt belongs to me. Being that Americollect has nothing to substantiate their erroneous, inaccurate reporting, this entry must be deleted from my credit reports immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/XXXX while at work i received a text message with an attachment of a gulf coast collection bureau letter since i never gave Gulf Coast the prior consent to communicate with me i knew this was a scam and pursuant to 15 U.S. Code 1692c ( a ) this is a violation. In the Attachment they indicated that they were contacting me to collect an alleged debt which is a violation of 15 U.S. Code 1692b ( 2 ). I never replied to this text as I though it was a scam. Then on XXXX, XXXX while at work i received a call from Gulf Coast and pursuant to 15 U.S. Code 1692c ( a ) ( 3 ) and 15 U.S. Code 1692c ( b ) they are in violation since i never gave a third party debt collector prior consent to communicate with me specially not while I'm at work. Then on XX/XX/XXXX I received a letter dated XX/XX/XXXX and in the letter head it had a symbol that indicated the debt collector is in the collection business which pursuant to 15 U.S. Code 1692b ( 5 ) and 15 U.S. Code 1692f ( 8 ) is in direct violation of the FDCPA, furthermore they used obscene language in the letter that to me it was a threat to my reputation and pursuant to 15 U.S. Code 1692d ( 1 ) and 15 U.S. Code 1692d ( 2 ) this is a violation. Then on XX/XX/XXXX i received yet again another phone call from Gulf Coast Collection bureau will I was working at this point they are harassing me by calling me at inconvenient times and when i answer and tell them I'm busy at work they hang up which is also another violation pursuant to 15 U.S. Code 1692d ( 5 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Billing dispute for services

Complaint:
I signed up to view my free credit score after being denied for the XXXX XXXX. I checked my online banking app today,XX/XX/XXXX, and saw I was charged {$21.00} for a subscription I never signed up for. I filled out the information they asked me to fill out for my free yearly credit report and a few days later I have been charged.

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 2019-08-14
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 information incorrect

Complaint:
As of XX/XX/2019 in response to a complaint filed with CFPB. XXXX XXXX. Finally researched and admitted an error made on my account regarding Date of First Delinquency. In there letter they stated this information was also provided to the 3 major credit bureaus. 

At that time a request was made for the reporting agencies to verify and update the information. 
Upon doing so Experian and XXXX  have both reported information verified from XXXX again that is not accurate nor matches the information provided in the response to the previous complaint to 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 2020-11-26
Company: Lending Club Corp
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received my investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In XX/XX/2019 I lost accounts due to this bill that is not mine reappearing on my credit reports. XXXX, XXXX   and XXXX. XXXX XXXX lowered my balances and closed accounts due to this bill from XXXX. This is the 3rd time this has appeared on my credit and I've contacted consumer finance. the company, credit bearus. I've submitted proof of address where I live. I've submitted tax records everything. Each time it gets removed because it is not mine. It is sold or whatever the company XXXX does with it. This has affected me negatively and my credit to where my accounts have been closed. Score dropped. How can a bill that is not mine keep reappearing and hurting me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2020, I mailed a letter to XXXX in regards to accounts listed on my credit report. I wanted XXXX to verify the listed accounts below. 
XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX Massachusetts XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX  XXXX Unverified Account XXXX  XXXX Unverified Account Being that I had not heard from XXXX so on XX/XX/2020, I mailed a No Response Letter asking for deletions of said accounts. Additionally, I mailed a new letter on the same day asking for vertifications of the accounts listed below. 

XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Unverified Account As of XX/XX/2020, I still have not received any correspondence from XXXX regarding both letters mailed to their office.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I opened an account with Coinbase back on XX/XX/2021. On that day, I went through a series of two validation processes. Both of them reported successful. After the validation process, Coinbase allowed me to make a deposit and invest in cryptocurrency in the amount of XXXX, which I transferred. They made the asset purchase, and then promptly have locked me out of my account since, claiming my account is " under review ''. There's been no other communication from them, and I am having no similar issue with my other investment accounts with other firms. 

I have emailed them multiple times to no response. They are also not really responding to anyone from what people have reported. They offer no phone number for assistance, and I keep getting messages that " come back in a day or two for us to complete validation ''. Other parts of their site say I am verified, take me to the verification page, and say I'm verified. 

So essentially, I've had a small amount ( thankfully ) of financial assets ( XXXX XXXX tied up in their system and not able to manage my investment. As a result, it has begun to lose value in the typical market manner, and I can not control it. 

The second issue I have with them is in their advertising they say you can earn up to {XXXX in Cryptocurrencies by learning about them. What they don't disclose until the entire registration process is done, is that there is a waiting list, and there is no guarantee that you even will have a chance to earn it which feels like a bait and switch. I was eventually able to do one of them, only to be told I earned something around XXXX, and then it has not been deposited. Even the account opening bonus of {XXXX in bitcoin has not been deposited either to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-14
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Enhanced Recovery Company is trying to collect a debt from me for XXXX XXXX {$940.00} and XXXX XXXX XXXX {$760.00} I have never used anyone of these services in my life. The only services I have ever used was XXXX XXXX, XXXX XXXX ( XXXX until XXXX ), XXXX XXXX ( XXXX to present ). This is the first I have heard of this I haven't received any bills from XXXX XXXX or XXXX XXXX XXXX on this matter. The only reason I discovered this debt I open up my account on XXXX XXXX and seen XXXX XXXX and XXXX XXXX XXXX in collection. If you check my credit report I only have one account open on my credit report because all my life I paid for everything in cash. I am pretty sure it was identity theft but this need to be cleared off my credit report and pursue who ever done this or I would be force to file a civil lawsuit on Enhanced Recovery Company for harassing me on a debt isn't mines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
I buy a home XX/XX/XXXX ( this home scamed financial XXXX XXXX XXXX in XX/XX/XXXX with fraudulent scam ) XX/XX/XXXX EQUIFAX suffer a Data Breach My SSN has been compromised XX/XX/XXXX I sended my expenses for the compromised SSN XXXX has been received in the address provided for the Administration in XXXX XX/XX/XXXX talk with XXXX and give me my codes Since this month the phone XXXX never response until XX/XX/XXXX and XXXX XXXX. 
Said : " Your File does not exist '', '' we never receive your expenses '' No matter what you will doing nothing wan na change

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: Mark A. Leachman P.C.
State: CO
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello so the original amount of the debt is for {$870.00} and the collection agency is saying I owe XXXX for interest fees on an old debt, the original case was opened XX/XX/2013. I was served papers last night from the collection agency and have not heard anything about the debt prior to being served.

Company response to consumer: Closed with explanation