BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-12
Company: General Motors Financial Company, Inc.
State: TX
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:
On XX/XX/XXXX there is a hard inquiry by ( gm financial ) and I only remember calling a car dealership to ask about if I would be eligible and they didnt notify me of running my credit score to check I specifically asked them if it would affect my credit if they checked and they said no and now I see there is a hard inquiry from that time I called and received no help from them to get it removed if you can please help me. 

XX/XX/XXXX ( XXXX and XXXX XXXX XXXX ) again I had called them to inquire about a car and they asked for my social and didnt let me know they would run my credit report and affect my credit to see if I was approved and again no help after calling them and asking them to remove the inquiry I was told I should have known it would be ran as a hard inquiry but I was never told or I wouldve went in and looked for a car personally not over the phone XX/XX/XXXX ( XXXX XXXX ) was a accidental inquiry online when looking for a phone plan and I called customer service and they said they didnt have access to remove it off my credit so I would like it removed XX/XX/XXXX, ( XXXX XXXX card ) I had inquired about this card but their page said it wouldnt affect my credit score to see if I was pre qualified and now I see it as a hard inquiry I called them and they told me they couldnt help me and there was nothing they could do about it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: EQUIFAX, INC.
State: MD
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:
On XX/XX/2019, I received an email stating an hard inquiry was pulled from my Equifax credit report. The name of the company is XXXX XXXX XXXX. I submit a dispute to Equifax stating I did not authorize this inquiry and it must be fraud. I received notification from Equifax stating I must call them for more information. I called Equifax on XX/XX/2019 and was told by an representative that Equifax do not investigate hard inquiry and I must contact XXXX XXXX XXXX about removing the hard inquiry. On XX/XX/2019, I called XXXX XXXX XXXX and was told I need to get in contact with Equifax as they do not have any information XXXX XXXX XXXX pulling my credit report. At this point, I am frustrated because no one wants to help me. Please help me and have this hard inquiry remove. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: Nelnet, Inc.
State: MA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a late 90 days remarks and there are no prior late remarks on these account number XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22
Company: Diversified Consultants, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My identity was stolen and someone was trying to open some account and thats why there was a lot of credit inquiries and they even opened some account as well.And one account also went for collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: EQUIFAX, INC.
State: CT
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:
i have filed several disputes with Equifax, both online as well as called almost daily for awhile. i have faxed over proof from the credit union, written on the credit unions letterhead as well as the phone number of the credit union and the credit unions attorney confirming that it should be removed immediately and Equifax continues to maintain they're accurately reporting the credit union accounts and willfully continues to violate the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: Advanced Collection Bureau, 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: Account information incorrect

Complaint:
Complaint Description : I need to have this deleted from my credit report because it is unverifiable & inaccurate. This company has this amount on my credit report I have sent a letter requesting it to be investigated by the prior debtor. I have contacted the new owners of the business which have stated they have a XXXX balance for me and no record found. They also provided me with the previous owners name to contact them. The company who stated that I owe them which is XXXX XXXX in PA stated they left records with new owner and have no record of NO balance owed. I've also made a complaint with the FTC, Florida AG, and Consumer Financial Protection Bureau as well because this info is in accurate I am not liable for the balance of XXXX for XXXX XXXX XXXX XXXX. I can not remember the date I submitted my letter to the collection agency but XXXX XXXX XXXX is whom I spoke with at XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: Coinbase, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Coinbase - GDAX. 
On XX/XX/XXXX I initiated a trade on the platform which I have been an active user of since XX/XX/XXXX. When I tried to make a trade I received a notice saying that transactions have been XXXX. My account froze and I am no longer able to access it at all. 
I called customer support and was told that they don't know why, they are Coinbase support and not XXXX but they would escalate it and email me the phone number of XXXX support. The email I received reads as follows : Case # XXXX Hello, and thanks for reaching out. 

Ive taken a look at your account and it appears that you are not currently eligible to create a purchase order. This restriction may have been applied in error. 

Ive just escalated your case to our subject experts who will be completing a review of your purchasing eligibility shortly. 

You will receive a notification email if were able to restore your purchasing ability. Please note that while these reviews are typically completed within XXXX business days, it can sometimes take longer depending on our current case volume. 

For security reasons, Coinbase can not guarantee eligibility for every account. If your account has experienced chargebacks in the past this, as an example, can impact your eligibility. 

Thank you for your patience and understanding as we complete this review. 

This morning XX/XX/XXXX - I called support again and was told they had no answer. 




As of now - I have no access to the funds in my wallet- ( {$12000.00} ) and I can not get an answer from anyone as to why - when I did nothing out of the ordinary to trigger this activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX ; XXXX and Transunion are reporting incorrectly a charge-of of {$10000.00} on the XXXX XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) I had GAP insurance at the time of the auto accident and all expenses surrounding the accident, including the payment for the vehicle, was covered by insurance. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this item however, I have not been successful.

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 2021-05-26
Company: Experian Information Solutions Inc.
State: MI
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:
Good day I am contacting you to report XXXX XXXXXXXX credit reporting I paid off this credit card at mid XXXX and they didn't report it till XXXX the XXXX when it was paid off I had a balance of {$14.00} now a company a merchant has wanted to my credit card account and over charge me for a purchase that I shouldn't be charged for so I'm disputing that with that merchant and with XXXX XXXXXXXX then credit report that I am over my limit which brought my score down XXXX points when they never brought my score up when I paid my credit card off and I think it's highly discriminatory and XXXX that they have not changed my score when I paid that card off their credit reporting is supposed to be over and done every XXXX of the month not on the XXXX of XXXX so now on the XXXX of XXXX they reported that I'm over my limit instead of raising my score when I paid the card off they never raised it they dropped my score even more XXXX points because of overcharge on my credit card which is not at my fault I am disputing all of this I want something done about this cuz I keep reporting I keep writing disputes with the credit bureaus and they never do nothing they say that the information is correct that they have it is not correct they never raise my score when I paid this card off when it's reported they waited until a negative charge hit my account and made my account negative again and I find that highly XXXX and discriminatory that they doing this to the poor community I have no reason to be in a negative light I'm trying to raise my score and they constantly keep knocking me down and I'm really freaking tired of it I want something done about it my score should be higher than what it is now I'm tied up the incorrect credit reporting so I want to know who is the highest power that I can get this taken care of with cuz I need to sue them and all of the credit bureaus for incorrect credit reporting that is my problem!

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 2018-12-22
Company: Phillips & Cohen Associates, Ltd.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a certified letter dated XX/XX/2018 on or about the date of XX/XX/2018 from the Office of the XXXX County, NY Sheriff Civil Enforcement Section that an Income Execution directs me to pay 10 % of my gross income until the amount of {$1900.00} is paid off. The Letter states the first payment is due NO LATER then 20 days from the date of the letter-XX/XX/2018 and if I do not pay they will contact my Employer and garnish my wages.

I was not sent a letter of Judgment, Affidavit of Service or Served any documents or court papers regarding this amount.I do not know who the company which filed a judgement against me is not have I been provided any documents prior to the Income Execution and letter from the Sheriff 's Department demanding payment. The date the first payment they want from me is before I received the letter as well.

Included with the Sheriff letter was the income Execution from the Supreme Court Of The State Of New York County Of XXXX with my name as the judgement Debtor. This is the first time I received any communication about a judgment and I do not know who the company is that states I owe them money. I have never done business or spoken with to my knowledge of the people who want to Garnish my wages and make me pay them 10 % of my weekly gross income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22
Company: Experian Information Solutions Inc.
State: VA
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:
Sent information in the this company several times. I uploaded documents directly to them when my certified mail documents went unanswered. I called and was told to mail in the documents again. Its several inaccurate information on my credit report, which after weeks of research and legal assistance, i now know its fraudulent. I've attached my information to be resubmitted, please remove this information. I will also attempt to upload these documents directly to them again.

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 2021-05-26
Company: ClearPath Lending
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We closed on our VA loan with Clearpath Lending, XXXX, Calif. on XX/XX/2020. We get daily fliers from them-asking us to refi. Now we are getting daily emails from them. They are annoying and we have called to have them take us off their mailing list, but they just ignore us. Have also emailed them. Not a huge deal, but very annoying. Because of this we would not recommend them to anyone.

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 2018-06-16
Company: EQUIFAX, INC.
State: MO
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:
After reviewing my credit report, there's 2 inquires that has been fraudulently or mistakenly put on my report. The inquires are XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX  ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2021, I opened 2 purchase disputes with Citi and it's been a complete nightmare since then! One dispute was for {$190.00} and the other for {$100.00}. 
The tracking numbers show " delivered '' but I didn't receive 4 of the 5 items. And, the only item that I received was completely damaged!!! 

Citi asked me for all evidence that I have but still decided to rule it against me and in the favor of the merchant. 

Citi and the merchant took advantage of a small consumer here and there is nobody to talk to. 

The only reason Citi decided to rule in favor of the merchant was that the merchant threatened to send his lawyers to them and it scared them ... but they don't mind hurting the small consumer! 

XXXX and XXXX  XXXX XXXX are much better at protecting the small consumers against scammers online!!!

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 2019-09-12
Company: U.S. BANCORP
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
On XX/XX/19 my company was presented a US Bank cashiers check in the amount of over fifteen thousand dollars. The customer wished to purchase goods. 
Our standard business practice is to call the issuing bank/ branch, and ask them to verify that they issued the check. 
The XXXX XXXX  Oregon branch of US bank I called was most unhelpful. The woman informed me, that they do not verify funds any longer. 
After several minutes of me insisting, and continually reading off information from the check, she finally admitted that she issued that check, but told me that this will never happen again, as her bank has a policy against verifying cashiers checks. 
Rudeness aside, this is a very troublesome policy, because in this age of fraud how is a consumer supposed to stay safe? 
By the way ... did I mention that I am a business customer at US bank?

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 2023-01-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 6th complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-25
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have an American Express Credit Card which I am trying to downgrade. I have contacted the company online and also called them but they always say there is error in Amex system therefore they cant downgrade my card. I called again and even chatted online with Amex but I get the same response I am so tired of this. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-13
Company: The Receivable Management Services LLC
State: PA
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:
I was contacted by Receivable Management Services Corp to pay a debt owed to XXXX XXXX XXXX  at a reduced rate. % 50 of what is said I owed. I opted to do this. So I paid the amount and asked for a receipt, which they sent me. And I expected to have this removed from the credit report, but alas after many, many attempts to resolve this. and speaking to many people both with the R.M.S company and supervisors, and the credit reporting agencies involved, nothing has been done. They both seem to pass the buck, even with documentation. ( which I have enclosed ) This has been going on since XX/XX/2017, and still reported as owed on my credit report. The reporting agencies, both XXXX XXXX and XXXX, say maybe this is a new claim #, so I disputed again, and then again, with the same outcome. And it is the same claim # XXXX ... .... I do not know what else I can do.

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 2018-06-13
Company: Hollis Cobb Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX three outpatient services were performed at XXXX XXXX Hospital in the amounts of {$110.00}, {$110.00} and {$150.00} totaling {$370.00}. XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX   ) submitted a claim to the wrong insurer although I had provided the correct insurance card for  copying the day of services. On XX/XX/XXXX, when I received a bill for {$370.00} from XXXX, I contacted them to inform them of their error and I contacted the insurer because my insurance had ended XX/XX/XXXX, but the services were prior to that end date. XXXX submitted a claim to my insurer but it was not for {$370.00}, but for {$4900.00}, a substantial increase of 1,215.5 %. They also included an additional service not previously billed, so now they were requesting payment for four services instead of three. As a result, the insurer paid a total of {$630.00}, which was an over payment in the amount of {$250.00}. Afterwards, XXXX submitted two additional bills for the same services, but this time, changed the names but left the amounts at {$110.00}, {$110.00}, and {$150.00}. Unknowingly, the insurer paid an additional {$220.00} for services they had already paid. SO there was a total over payment of {$480.00}, yet, XXXX sent me a bill for {$150.00}. The insurer and the hospital had already sent me notice of payments ( over payment ) and I only owed the hospital {$3.00}. I contacted XXXX to make them aware of what I have determined to be fraud on their and the doctor 's part and told them they had already been paid and therefore they needed to speak with the hospital or whomever got the money and bring my account to XXXX. Instead, they placed the account with XXXX XXXX XXXX ( XXXX ) of XXXX XXXX for collection. When contacted by XXXX in a letter dated XX/XX/XXXX, I disputed the debt and asked them for verification in accordance with FDCPA ; none was provided. Instead, they sent me another bill dated XX/XX/XXXX, requesting payment. I sent them a letter with proof of payments and explained how they were actually overpaid and should not be harassing me for any payment since I owe nothing. I asked them to bring my account to XXXX. I have filed a complaint with the Composite Board of Medical Examiners regarding the doctor who is collecting on this inaccurate debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In our address information : a ) The XXXX, NJ address was our OFFICE ADDRESS, and we sold that business in XX/XX/XXXX ... 14 years ago. Please remove that address at once. 

b ) The XXXX XXXX, NY POST OFFICE BOX address was closed in XXXX ... 13 years ago. It, too, must be removed at once. 

Kindly respond in writing acknowledging the adjustments. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation