BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-10
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am request the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! 
My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX. My name is being confused with another XXXX XXXX XXXX. My DOB is XXXX Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX, XXXX XXXX, XXXX the also have records of file the are wrong. The following addresses are not my please delete they are not mine they are inaccurate. Please remove delete that following addresses : XXXX XXXX   XXXX  XXXX XXXX, XXXX XXXX NC, XXXX XXXX XXXX, XXXX NC, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX I have some account the I need absolute proof that they are my because of the previous confusion with another XXXX XXXX XXXX. 
The reason for my dispute is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX required to notify me no later than  30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623 , subsection ( 7 ) ( A ). However, in my records I am unable to  locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, the major of the account that appear have failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809. I am in need of a re-investigation to account for the confusion and possible fraud as well as unverified accounts. please send a copy of the Creditor Disclosure form I have attached along with any copies of a contract agreement with my signature.

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 2019-02-18
Company: Nelson Cruz & Associates LLC
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have been contacted by this company, they never say the name of it, just that I need to call a " XXXX XXXX '' back ( the number they provided is XXXX ) in regards to " a complaint that has been filed '' against me. They have been calling my family members, who have all asked them to stop calling yet they continue to call. In one instance they called my sister and, after being asked not to contact her again, they responded with profanity along the lines of 'no wonder this person is in this situation with a family like you '. They have also in the past used scare tactics, saying they will start garnishing my wages if I didn't offer to pay in full by the end of the week ( this caused me to have a minor XXXX XXXX that I went to XXXX XXXX   for ) ; I have since stopped answering any number I don't recognize for fear of being threatened again. They have never once stated the origin of the debt they are attempting to collect. 

Upon XXXX the number they provided, " XXXX, XXXX XXXX  XXXX '' comes up. I have been unable to confirm if this is the company or 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 2018-06-29
Company: WELLS FARGO & COMPANY
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
seems like the superman plot, but I have a checking account with wells fargo and a credit card with Wells Fargo. I used their system to transfer funds from my checking to pay off the credit card. The money is instantly removed from the checking account but the payment takes several days to be reflected on the credit card account. So they are avoiding paying interest for a day on the checking account and get 2-3 days of interest charge the credit card. 
Maybe that's just how it works but it seems if there is a transfer from one account to another it should be reflected that way. Maybe it only adds up to a penny or so but not sure what magnitude this is

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 2018-09-04
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a workers compensation case that I haven't had to pay any medical bills for in the last year except I keep getting harassed by XXXX XXXX XXXX and emergency for bills I have tried to resolve from the very beginning XX/XX/XXXX is when i used their services. They have sent the bill to several creditors to collect on their behalf. the most recent letter dated XX/XX/XXXX which i have 30 days to resolve. since, I have called them in the past to give my claim number and my representative 's contact info, yet the continue to harass me. my human resources rep at my work has tried to contact the debt collector they will not speak to her, they also insist that the insurance company call THEM to verify the validity of my claim, without looking into it. today ( XX/XX/XXXX ), when I call trying to resolve it, they ask for all my personal info, but wont use it to resolve the issue. They person I spoke to from the agency even told me they'd hang up, even though they're harassing ME for over a year now. they say they have tried to contact XXXX XXXX ( my rep at XXXX -- the insurance company handling my bills ) she says she has not evidence they ever did.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
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 trying to dispute multiple items on my credit report since 2017. I have not been given any information concerning the inaccurate accounts on my reports I had in question.

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 2018-06-26
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I initiated a transfer into my Coinbase account. I requested the transfer go to my USD Wallet but instead the funds seem to be held up in my XXXX wallet. The transaction shows as " pending '' with Notes reading " Failed to instantly exchange XXXX ''. What does this mean? I have contacted Coinbase numerous of times. Their response was Our payments team and advocacy team are investigating. Weve marked this email thread as a top-priority case, and well provide info to you as it becomes available. Coinbase seemed to be focusing a lot more on expanding their operations instead of properly serving their existing customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was a direct hit of Hurricane Irma XX/XX/2017. I was told by Wells Fargo that they would give me a 90 day disaster relief with no questions asked. I was told the owed amount would be put on the end of my loan. After my disaster relief period I have paid my mortgage faithfully every single month. Recently Wells Fargo as put my home in foreclosure status. They have listed on my credit that I have numerous missed payments. I went to refinance my home and was told I had 6 missed payments EVEN though I have faithfully made my payments after the disaster relief. I was DENIED refinancing because of this reported " missed payments '' and " foreclosure status ''. So now I'm facing ruined credit score and the possibility of losing my home. How could a company do this to someone after faithfully making their payments. They said the only resolution is to pay the {$7000.00} plus in owed payments. If I accepted the " disaster relief '' then how would I be able to come up with over {$7000.00} just like that?! I'm disgusting by Wells Fargo and the lies they told us victims of Hurricane Irma.

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 2020-08-20
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Found Identity Theft on my credit files. Several accounts that were not mine. Belongs to another XXXX XXXX. Filed police report, FTC report and dispute with XXXX, Equifax and XXXX. Several accounts on each file. This particular complaint is against XXXX. My complaint came back verified by creditor when it plainly states that " a debt collectors words can not be the sole proof of verification of the debt. '' XXXX, XXXX  and Equifax..totally broke the law by doing this and refused to remove these items from my account with no proof other than thier own words. I would like the following items removed from my file my XXXX, Equifax and XXXX  Files. 
Morris Plan Act # XXXX Paid /Closed XXXX XXXX XXXX Act # XXXX Paid/ Closed I would like the following files removed from XXXX  and thier method of verification and who exactly they talked to and when. 
The Following Medical accounts from XXXX XXXX/ XXXX  XXXX All accounts pertaining to XXXX/ XXXX XXXX XXXX XXXX. {$170.00} XX/XX/XXXX. {$230.00} XX/XX/XXXX. {$13000.00} XX/XX/XXXX. {$160.00} XX/XX/XXXX. {$340.00} XX/XX/XXXX. {$85.00} XX/XX/XXXX. {$440.00} XX/XX/XXXX. {$190.00} XX/XX/XXXX. {$67.00} XX/XX/XXXX. {$110.00} XXXX XXXX XXXX. XXXX IL Closed/paid {$1000.00} XX/XX/XXXX Delete not mine Delete XXXX XXXX  XXXX Ohio XXXX XX/XX/XXXX Paid/ Closed. Not Mine Delete The following accounts are fraudulent ane or identity theft on Equifax. 
XXXX  XXXX closed paid # XXXX {$1000.00}. Not my account XX/XX/XXXX XXXX XXXX {$6600.00} closed paid # XXXX Fraud Not my account These are fraudulant accounts and were included in identity theft police reports and FTC reports. I would also like XXXX  and XXXX  to explain the method of verification. Who exactly they talked to that aledgedly verified this identity theft debt and the method of verification. I want these debts " blocked and removed '' immediately and my police and FTC report honored as true.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Experian <XXXX> keeps emailing me and says that I can login into my account to check my credit score. I do not recall making an account at any point. I went to change my password to see if I could deactivate this falsely made account but the only way was to call or mail in. There were no options to speak to representative to deactivate this account and the auto prompt told me to mail them if I want to explain why I was contacting. If a company has an online account then there should be a way to deactivate the account through their website without jumping through a huge amount of hoops. As this company has already lost the sensitive data of millions of Americans I want nothing to do with them.

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 2019-01-10
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/19 my chase freedom account was closed because of XXXX discrimination. Chase broke the Equal Credit Opportunity Act, chase assumed because Im XXXX that Im poor so they closed down my account without a logical reason. Chase assumed because Im XXXX that I am poor. Chase assumed because Im XXXX that I couldnt pay my bill. Chase stated that {$7000.00} is a very large amount of money and it isnt. Chase stated they were closing my account because Im XXXX and I used their credit card. Chase is so XXXX they didnt even give me the opportunity to pay my bill. I have 0 missed payments and Ive never been late on any of my credit cards but chase has customers with credit cards that are late and missed payments but I am penalized for using my card while being XXXX. Chase will lie and say its any other reason besides me being XXXX but Chase is XXXX and Im not the only XXXX XXXX thats was discriminated against by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: Collection Information Bureau, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
DOCTORS BUSINESS BUREAU Is the worst ever!! not only are they Harassing me by calling me everyday all day, but they also send me threatning letters in the mail which is another form of Harassment over an account that I have no knowledge of, or an agreement with their company over. I have never signed or agreed with any one to share my personal information and DOCTORS BUSINESS BUREAU is violating HIPAA Privacy laws and I will be seeing them in small claims court!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: Diversified Consultants, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Diversified Consultants is trying to go after me for a debt that is not mine. I feel like I have been tricked into paying an account that is fraudulent. Therefore, I finally filed an Identity Theft affadavit to get this cleared up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Attached to this complaint is all the evidence and records proving that TransUnion is willfully negligently and recklessly reporting inaccurate data on my credit file and not conducting reasonable investigations causing me financial injury. They keep willfully reporting even after I provided them proof.

An investigation needs to be done regarding TransUnions abusive and reckless method of verification process.

I am in the process of building a legal case for intentional, reckless, malicious and willful violations of the FCRA as well as defamation from TransUnion, A copy of this dispute will be used as evidence if needed.

The following information is being reported inaccurately, falsely and unfairly by TransUnion. 

XXXX XXXX XXXX # XXXX TransUnion is causing me financial injury and negligent enablement of identity fraud. 

I am fearful to apply for new credit because of the anxiousness of thinking I will be denied resulting from TransUnion 's inaccurate reporting. 

METHOD OF VERIFICATION I would like TransUnion to provide me the name of the original creditor, the address and phone number of the original creditor, the person at TransUnion who verified the dispute with XXXX XXXX XXXX at the time of the dispute request and the documentation that was used to verify the dispute at the time of the dispute request. If TransUnion can not send me these simple items, then I demand the account be deleted. 

I do not consent to XXXX as a means of reasonable investigation for my credit disputes. I need proven documentation, i.e. signed contracts, and/or dated signed cashed checks to show accuracy of the verification of my particular dispute. 
TransUnion must prove they conducted a reasonable investigation for them verifying it at the time of the dispute request. XXXX can not hold in court as per the noted court cases. 

XXXX v TransUnion XXXX v XXXX XXXX v XXXX ( XXXX ) The XXXX data breach has shown me that I need to stay on top of the credit bureaus compliance to all Federal Laws regarding my credit file. This XXXX model of verification must stop because of the many fraudulent accounts it may create for consumer credit reports! 

At this time, TransUnion does not need to falsely verify this account again. The only acceptable thing they need to do now is to delete it immediately! 

I demand to see TransUnion 's method of verification and the documents they relied upon to verify this account at the time of my dispute regarding this particular account as per the FCRA.

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 2018-02-24
Company: EQUIFAX, INC.
State: NY
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:
Attached to this complaint is all the evidence and records proving that Equifax is willfully negligently and recklessly reporting inaccurate data on my credit file and not conducting reasonable investigations causing me financial injury. They keep willfully reporting even after I provided them proof.

An investigation needs to be done regarding Equifaxs abusive and reckless method of verification process.

I am in the process of building a legal case for intentional, reckless, malicious and willful violations of the FCRA as well as defamation from Equifax, A copy of this dispute will be used as evidence if needed.

The following information is being reported inaccurately, falsely and unfairly by Equifax. 

XXXX XXXX XXXX # XXXX Equifax is causing me financial injury and negligent enablement of identity fraud. 

I am fearful to apply for new credit because of the anxiousness of thinking I will be denied resulting from Equifax 's inaccurate reporting. 

METHOD OF VERIFICATION I would like Equifax to provide me the name of the original creditor, the address and phone number of the original creditor, the person at Equifax who verified the dispute with XXXX XXXX XXXX at the time of the dispute request and the documentation that was used to verify the dispute at the time of the dispute request. If Equifax can not send me these simple items, then I demand the account be deleted. 

I do not consent to XXXX as a means of reasonable investigation for my credit disputes. I need proven documentation, i.e. signed contracts, and/or dated signed cashed checks to show accuracy of the verification of my particular dispute. 
Equifax must prove they conducted a reasonable investigation for them verifying it at the time of the dispute request. XXXX  can not hold in court as per the noted court cases. 

XXXX v XXXX XXXX v XXXX/Equifax XXXX v XXXX ( XXXX  ) The Equifax data breach has shown me that I need to stay on top of the credit bureaus compliance to all Federal Laws regarding my credit file. This XXXX model of verification must stop because of the many fraudulent accounts it may create for consumer credit reports! 

At this time, Equifax does not need to falsely verify this account again. The only acceptable thing they need to do now is to delete it immediately! 

I demand to see Equifax 's method of verification and the documents they relied upon to verify this account at the time of my dispute regarding this particular account as per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: Big Picture Loans, LLC
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
Beginning in XX/XX/XXXX, I started receiving letters from Big Picture Loans that I had borrowed {$1000.00} from them in XX/XX/XXXX and that now I owe them {$1900.00} ( Account # XXXX ). At first, I thought the letter was sent in error and ignored it. However, after receiving more letters they believe I owe them this money. I have never heard of this company and never borrowed any money from them and believe that either 1 ) there has been some type of identity theft or 2 ) that Big Picture is engaging in fraud. In reviewing my credit reports there are no hard credit inquiries from Big Picture Loans associated with my name. However, XXXX reported an unsolicited soft credit inquiry on  XX/XX/XXXX by Big Picture. It is for this reason, that I do not trust working with Big Picture with respect to providing them with any confidential personal information, since I believe they may be the source of this fraudulent activity. 

In trying to resolve this issue with BIg Picture they state that their process is to hold a three party call with the bank where the account they have on file is held, in order to verify the account owner and any credits/debits processed in this account. When I called them to initiate the process, they asked for my name and social security number. When I declined to provide my SSN #, they indicated that they could not move forward with the process. The other option I was provided was to fill out Indentity Theft Victim 's Complaint and Affadavit Form, take the form to the Local Police Department, and have it witnessed by a police officer. However, the form asks for confidential personal information, that again I am unwilling to provide, for the reason note above.

I am at an impasse as to how to resolve this issue since I do not trust the source of this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: Security Credit Services, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
company never contacted me about debt or gave me an opportunity to dispute. did not find out about alleged account until they reported it to bureaus. disputed through bureau. they " verified '' account without documenation

Company response to consumer: Closed with explanation