BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-22
Company: CORELOGIC INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I check my XXXX XXXX frequently, especially because I 'm buying a house & it 's important to me to remain above 700. Anyway there is a inquiry from a company twice the name is XXXX location XXXX XXXX Ca XXXX phone number XXXX XXXX XXXX ) XXXX I called & it says NOT in service. The account also says it 's " misc ''!! There was XXXX inquiries first XX/XX/XXXX & XX/XX/XXXX. There was no more information on it. Please help it is very important like i said I 'm buying a home, I already got a preappoval but it 's not over yet. Getting a low finance charge on accounts is everything. Thank

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 2023-05-10
Company: EQUIFAX, INC.
State: IL
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 am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: ALLY FINANCIAL 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:
Using information with out permission

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 2023-04-02
Company: Google Compare Credit Cards Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I purchased a service through Google 's XXXX XXXX app on my smartphone. And after completing the purchase, I wanted to remove my payment method details, in particular, my credit card name and account number ; however, Google is requiring me to add a new payment method as a condition before it removes my current payment method. 

I do not want to be compelled to add a new payment method in order to remove my current payment method information. Also, this requirement was not disclosed in the terms and conditions and I believe it is deceptive and as a consequence, my payment method information is kept hostage in the Google XXXX XXXX app. 

Also, I complained to Google via email, and the response included questions about me having a problem adding a payment method - but this, it seems, is a deliberate confusion of the issue because I never had an issue about adding a payment method - all I want to do is remove my current payment method WITHOUT having to add a new payment method. 

Also, Google has a section titled, " Remove payment method '' and then it states, " Choose a new payment method before removing ... [ it has my credit card name and the last four digits of my account number ]. '' Also, at the bottom of the screen it states to " Save and remove, '' meaning, to save the new payment method as a condition to remove the original payment method. 

I want Google to allow me to remove my payment method information WITHOUT requiring me to add new payment method information because to require this is deceptive because this procedure is not disclosed in the terms and conditions. Also, by keeping my payment information in the account it exposes my credit card information to any potential hackers who may successfully hack into my smart phone.

Thus, Google 's practice in requiring consumers to add new payment method information, as a requirement before allowing a consumer to remove their current payment method, is deceptive, unfair, and adds to the risk of being hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: LEXISNEXIS
State: OH
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:
My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX OH XXXX my SS XXXX my DOB XX/XX/XXXX. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I purchased an option from XXXX back on XXXX XXXX, XXXX for XXXX btc using my coinbase wallet. 3 hours later I won my option and funds and earnings were returned to coinbase three hours later and documented by the bitcoin blockchain. I never recieved a credit to my account for XXXX btc and from my research of the blockchain can see my money was sent from coinbase into some coin tubbler service. I have reached out once last year and never recieved a follow up from the coinbase research team. I contacted them again yesterday XXXX/XXXX/XXXX asking for my money to be returned. I have still not recieved a reply so I 'm seeking your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX  Date Filed XX/XX/XXXX XXXXXXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXXXXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX 1.XXXX-1 Inquiry from XX/XX/XXXX 2.XXXX XXXX   Inquiry from XX/XX/XXXX 3.XXXX XXXX Inquiry from XX/XX/XXXX 4.XXXX Inquiry from XX/XX/XXXX 5.XXXX XXXX Inquiry from XX/XX/XXXX 6.XXXX XXXXXXXX Inquiry from XX/XX/XXXX 7.XXXXXXXX Inquiry from XX/XX/XXXX 8. XXXX Inquiry from XX/XX/XXXX 9. XXXX Inquiry from XX/XX/XXXX 10.XXXX XXXX Inquiry from XX/XX/XXXX 11.XXXX XXXX XXXX Inquiry from XX/XX/XXXX 12.XXXX XXXX Inquiry from XX/XX/XXXX 13.XXXX Inquiry from XX/XX/XXXX 14.XXXX XXXX   Inquiry from XX/XX/XXXX 15. XXXX XXXX Inquiry from XX/XX/XXXX 16. XXXX Inquiry from XX/XX/XXXX 17. XXXX XXXX Inquiry from XX/XX/XXXX 18. XXXX XXXX Inquiry from XX/XX/XXXX I XXXX XXXX have contacted all 3 bureaus to have my credit inquiries for auto loans removed because the dealership I went to promised me they only ran my credit once with XXXX XXXX XXXX. Weeks later multiple credit inquiries started showing up after I signed the purchase agreement for XXXX XXXX XXXX. All 3 bureaus have refused to remove the inquiries multiple times. I have contacted many of these Auto loan companies and they have no record of me in their systems. Because of all these inquiries I have been denied mobile home loans and residence in mobile home parks. And this is a clear violation of the fair credit reporting act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Step 1 : What is this complaint about? 

I getting constant calls from XXXX XXXX an agent at Navient, about my private studnet loan. When I called to make an payment plan it was accepted at first, but he was not please about it so he later denied it, when I told him I could not pay what he was suggestion would be better. Then he went on to tell me incorrect information about my credit score and the assests of my cosigner ( he said he is coming to take the house that my cosigner owns ), but they do not even own a house, and threaten that they are coming to take it. He was rude, aggressive, short tempered, and belligerant. He also called back to back several times.

Step 2 : What type of problem are you having?

I recieved no notification about this private loan prior to a 3 weeks from XX/XX/2018. I am in good standing with all my loans. Due to short notice I want to be respnsible and pay what I can as of right now, but I am being lied to and denied that right. 

Step 3 : What happened? 

He took it upon hisself to deny my offer, after failing to get a larger amount out of me. He kept making negotiations and said that is all he can do. When I told him I can not do that then he would change it to a lower amount. He agreed with my offer initially, but as he kept doing the math he told me it " would not make sense ''. Then he went on to tell me that he knows I can pay it because I have a good credit score, which is not true. He also said they do not give loans to people with bad credit, but this loan is 9 years old when I was XXXX years old and had no credit but simply a studnt.

Step 4 : What company is this complaint about?

Navient and the specific agent is XXXX XXXX who telephone number is XXXX as well as XXXX. He has left messages threatned my cosigner, and have been rude, aggreesive, and deceptive to me via phone. 

Step 5 : Who are the people involved? 
Myself, my cosigner. The agent XXXX XXXX from Navient

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
approx 2 mos ago i contacted synchrony paypal mastercard to inquire about a refund for a return retail item, i was asked do i want to activate my card, i said i did not know my card was not active nor did i request a new card, i was told i should have received an updated-i did not, they said no problem we will replace, it has been replaced twice and is now ok -no charges were ever put on those missing cards, i now have an active card with the same XXXX limit and XXXX   balance as before. The problem is that someone listed the account as closed-it has never been closed nor behind in pymts, i feel the error is that card was only replaced and someone in error has listed it this way. It shows as a closed account on all three bureaus although it is open with the XXXX limit and XXXX  balance which is correct, this has adversely affected my credit report and score. this account is still open with an exceptional pay history and XXXX limit with a XXXX  balance-current card ends in XXXX, i have confirmed this with customer service

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 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account. It is crucial that you promptly eliminate this incorrect account from my record.

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 2019-01-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This complaint is against Chase freedom visa credit card. I have been using it for more than a year but I have started having issues with this card. I see some of the transactions that do not belong to me nor were they authorized by me. Id really appreciate if you could resolve this issue. I made a complaint to Chase freedom directly and they have cancelled the card. A replacement card has been issued to me, however I still see the charges on my account and hasnt been dismissed. Id like to request u to cancel the following unauthorized charges : 1. On XX/XX/XXXX - {$520.00} XXXX XXXX XXXXXXXX 2. On XX/XX/XXXX - {$370.00} XXXX XXXX 3 . On XX/XX/XXXX - {$21.00} XXXX 4. Theres a charge of {$59.00} in the name of XXXX on XX/XX/XXXX, 2-charges of {$140.00} on XX/XX/XXXX and few charges of {$16.00} on the same day. I really dont understand them. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: Advanced Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I complaint is regarding this collection agency that is reporting a collection account on my credit report of a fraudulent balance. If they are going to purchase debt then they should be sure that is valid debt. I received a notice from this debt collection agency starting around XXXX regarding an owed balance. When contacting the agency regarding the discrepancy of balance, I was pretty much advised that I would need to establish a payment plan in order for contact to the original debtor to validate the debt could be done. I declined as I did not owe the reported balance. Validation of debt was being requested as the original debtor sent me a letter to advise of security deposit withheld and other fees. I responded back as Florida landlord 's must attempt to minimize their damages in which this company did minimize damages as they collected rent om my old unit from new tenants for XXXX XXXX. The management company / lawyer sent me an adjusted balance as the current balance being reported included a rent fee for XXXX XXXX and I was no longer responsible as management can not collect double rent on the same unit for the same month. I have disputed this balance with original debtor who advised that my debt no longer belongs to them and they refer me to the collection agency. I have disputed the balance with credit bureau to no avail.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting 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:
There are unauthorized inquiries on my report that i did not consent to.

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 2021-08-10
Company: Experian Information Solutions Inc.
State: OH
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2021-08-10
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

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 2020-12-08
Company: EQUIFAX, INC.
State: AP
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:
2 of the 3 credit agencies had my current address listed incorrectly. A quick phone call to one of those companies (XX/XX/XXXX XXXX fixed the issue. However, despite 3 contacts with EquiFax ( and an email claiming that my address was fixed ), my current address is still listed incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
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: Account status incorrect

Complaint:
XXXX XXXX XXXX is still being reported on my credit report. it is over 7 half years old and need to be remove. violate of fcr 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a bill in the mail that I owe {$1100.00} From XXXX, XXXX, XXXX  it says I had a XXXX XXXX XXXX XXXX  account. I never owed money to them whatsoever in fact I've done my taxes for years with XXXX XXXX XXXX XXXXXXXX and I was never told I owed money you have the wrong person without a doubt I do not owe anything that's a very long time ago and I feel now I'm being scammed. According to this bill my account number is XXXX my address XXXX XXXX XXXX XXXX Ca XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: REGIONS FINANCIAL CORPORATION
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:
Credit fraud on the following accounts : XXXX XXXX {$550.00} acct # XXXX XXXX XXXX {$550.00} acct # XXXX XXXX XXXXXXXX {$410.00} acct # XXXX XXXX XXXX {$420.00} acct # XXXX XXXX XXXX XXXX {$1800.00} acct # XXXX XXXX XXXX XXXX  {$300.00} acct # XXXX The following laws have been violated : 15 U.S. Code 1692e 15 U.S. Code 1692f My identity theft ( idtheft.gov ) reference # is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I summited the requested documents by certified mail to Trans Union XXXX XXXX XXXX XXXX on XX/XX/2019 to have information corrected on Trans Union Credit Report this is reported incorrectly regarding the XXXX XXXX  Credit Card account XXXX as and delinquent account From XX/XX/2019 and XX/XX/2019. 
When the XXXX Credit Card account XXXX was Discharged in Chapter XXXX Bankrupcy Courts from case number XXXX from the order of the Chapter XXXX Discharge notice on XX/XX/2019 and notice from the XXXX XXXX Credit Card Service verifying in the Attachments I mail to Trans Union Date XX/XX/2019 from the Creditor XXXX that the XXXX Credit Card account XXXX has been Discharged in Chapter XXXX Bankrupcy on XX/XX/2019. 
In which Trans Union Credit reporting Agency is failing to make the correction on my Trans Union Credit report regarding the XXXX XXXX Credit Card number ending in XXXX from Deliquent account to Discharge in Chapter XXXX Bankrupcy knowing from the requested documents I has mail them showing that this account is Discharged in Chapter XXXX Bankrupcy instead of being Deliquent.

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