BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-02
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-22
Company: Source Receivables Management LLC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received information from you attempting to collect the Above Listed alleged debt. Your initial communication to me of this alleged debt was within 30 days ago. Please be further advised, I dispute the validity of this alleged debt in it entirety. Be further advised that I request the name and address of the original creditor along with an agreement with my original WET signature binding me to this alleged debt.You are illegally attempting to collect an alleged debt and money at that I do not owe. As per the law seized in desist all collection activities including credit reporting agencys Please comply. View

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. The list of accounts below has violated My federally protected customers, right to privacy and confidentially under 15 U.S.C 1681. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dont know acct # XXXX XXXX XXXX XXXX XXXX Dont know acct # 15 U.S.C 1681 section 602 A. States that 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 an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) sections 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 convictions of crimes which anti-dates 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am submitting this CFPB Complaint to you today in response to the recent investigation conducted by the Credit Reporting Agencies. I do not agree with their findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking the Credit Bureaus for more information regarding these particular accounts in question. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX 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 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am submitting this CFPB Complaint to you today in response to the recent investigation conducted by the Credit Reporting Agencies. I do not agree with their findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking the Credit Bureaus for more information regarding these particular accounts in question. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-20
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I had XXXX XRP ( ripple ) coin mysteriously disappear from my Coinbase wallet on XX/XX/21 the app updated through the night and now I have XXXX XRP coin and no receipt of the destination is was moved to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I spoke with a representative named  XXXX  from  Midland Credit Management , Inc  on  XXXX   XXXX ,   XXXX  . I requested a Validation of Debt because as a consumer it is my right. Instead of honoring my request, the " supervisor '' got on the phone and started asking questions about why I would need that information. On  XXXX   XXXX ,   XXXX  , I sent a request for a Validation of Debt letter because I was disputing the debt. That information is stated in my letter. I sent the letter certified mail with a return receipt to the address provided on the back of the collections letter where it states to direct all disputes. I received my return receipt back with the date stamped  XXXX   XXXX ,   XXXX   signed by  XXXX   XXXX . I am still receiving collection calls up to  XXXX  calls a day. Some from unknown or unlisted numbers. Also during the call on  XXXX   XXXX ,   XXXX   the supervisor stated that if she did not get this matter resolved they would have to " forward this information over to their attorneys, '' which to me is threatening when she simply could have provided information as to where I could send my  XXXX  letter. I would also like to add that when the supervisor got on the line she did not state that she was on a recorded line. I did not record the phone conversation, but the call took place on  XXXX   XXXX ,   XXXX   at  XXXX  EST.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 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 2021-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6400.00} -This is not my account.

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 2022-09-02
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I ordered electric bikes totaling {$2800.00} on XX/XX/21. By late XXXX I could see the merchant was not going to send me the bikes. I disputed the charge on my Synchrony Bank XXXX XXXX  Mastercard. Due to an error on the amount I indicated in the dispute, Synchrony Bank credited my account {$300.00} on XX/XX/21. I re-filed the dispute on XX/XX/21 with the correct amount of {$2800.00}. On XX/XX/21, my account was credited {$2800.00}. The very next day, XX/XX/21, Synchrony Bank RE-CHARGED my account {$2800.00}. I have submitted a total of FIVE DISPUTES on this issue. Each time Synchrony Bank responds by telling me that they credited my account {$2800.00} on XX/XX/21. Each time I submit another dispute confirming that fact but pointing out that they then recharged my account in the amount of {$2800.00} the very next day, XX/XX/21. I have copies of the statements showing the initial charge as well as the XXXX statement showing the {$2800.00} credit and the {$2800.00} re-charge the next day as well as copies of all letters and documentation I have been sending Synchrony Bank for almost one year trying to resolve this issue. I have attached my latest letter of frustration to Synchrony Bank as well as copies of my statement showing the purchase on XX/XX/21 and the XXXX statement showing the {$2800.00} credit on XX/XX/21 and the {$2800.00} recharge on XX/XX/21.

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 monetary relief
Consumer complaint received 2018-08-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Sometime in XX/XX/XXXX, I started investing in my XXXX XXXX XXXX ( XXXX  ). I wanted to change my life through this business. Since I do not have the funds to invest, XXXX have Seed capital company to help me find funding through credit card applications. One of the bank is from Firth Third Bank. This bank approved me for {$4000.00}. I then use it to pay for my XXXX business expenses on XX/XX/XXXX. There were 2 transaction total was {$3700.00}. 
Due to my business was slow with no sales and commission, I could not afford to pay my Fifth Third Bank credit card. I tried paying on XX/XX/XXXX, {$76.00} and requested to have the late fee waived. The bank did it for the one time only. Then months went on, my business still not doing well and in XX/XX/XXXX, myself and other XXXX business owners found out XXXX has been shut down by Federal Trade Commission ( FTC ). There were heavy ongoing investigation and court cases. Theres a case number XXXX on XX/XX/XXXX confirming the FTC have court cases ongoing explaining how XXXX business function especially it is scamming innocent victim like myself. 
When that happened I was shocked and completely disbelief the scam from a business I heavily invested in, so I filed a complaint to FTC online on XX/XX/XXXX. My reference number is XXXX. 
I did contacted FifthThird Bank to file for dispute due to XXXX scam on XX/XX/XXXX. They told me they will mail out dispute form for me to fill and attach with any supporting documents. Which never arrived. 2 weeks later fifth third bank started to call me daily asking for payments. Without any warning and they continued to call daily including weekends harassing for payment. 
In XX/XX/XXXX I received a letter dated XX/XX/XXXX about my dispute were denied even without given any chance to receive any dispute form and file other than received daily calls asking me to pay money. I called the bank to clarify and was told I have been sent to collection agency and can only make payment through them. 
Immediately after receiving the letter from XX/XX/XXXX, it seems like I can not have my dispute request and been sent to collection. This has been the worse bank compared to other bigger institutions like XXXX. Which they are very understanding and have been working on my disputes. 
I need help with this. FifthThird bank is not giving any mercy for me to help me with my failing business and the credit card dispute from he failing business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: EQUIFAX, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I closed my Citibank credit card account in XX/XX/XXXX due to the 2 fraud transactions that resulted in {$1500.00} balance. At the time I closed the account, Id had a merchant ( XXXX ) refund my account {$710.00}, so that left the fraudulent balance on my account to {$780.00}. I was informed by the Citibank associate who helped me close my account that I would not be authorized for the this {$780.00} balance. 

Last month XX/XX/XXXX, Citibank asked me to pay for the {$1500.00} that incurred from the fraudulent activities back in XX/XX/XXXX. They told me I was responsible for these transactions before I did not promptly responded to the fraudulent affidavit form Citi bank mailed to my home, which I NEVER received. Nor did I receive any email from Citibank regarding that affidavit form. So I believe Citibank was not being truthful about that and just charged back the amount on my card for their convenience not having to go through the fraudulent claim on my behalf. 

I submitted a claim with CFPB 2 weeks ago and Citibank mailed me the affidavit form for the first time. I filed in the form and returned to them in the mail TWICE. Still, my account balance has not been changed ( {$1500.00} ). Citibank acknowledge that there was a refund of {$710.00}. Still, they had not fix the balance on my account at all.

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 2022-09-02
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my numerous Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 2022-09-02
Company: EQUIFAX, 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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2017 Balance : {$8600.00}

Company response to consumer: Closed with explanation