BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-22
Company: Midwest Recovery Systems
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: Information belongs to someone else

Complaint:
On XX/XX/2019, a collection account in the amount of {$400.00} was added to my credit report from a company I have never heard of, nor have I received any documentation stating that I owe this debt. Midwest Recovery Systems is the name of the company. They claim they are collecting a debt from a company called XXXX XXXX XXXX, who is not a company I have done business with. Searching online, I have found this is a severely fraudulent company and many others have had this same situation happen. I disputed it with XXXX, but they did not complete a thorough enough investigation and left it on my credit report. On XX/XX/2019, this same debt was added to my XXXX  report. I am in the process of disputing it with them also. 

Reading these reviews, I have found this company also has violated many collection laws with some threatening arrest and so on. It makes me think that this is the same company that reached out to me a few months ago at my work, telling my boss that I was going to be arrested for not paying a debt. I ignored them because I knew it wasn't true. It all sounds connected to this fraudulent activity on my report now. At that time, I had filed a complaint with the FTC and Attorney Generals office for the State of Michigan. After that, I never received another call. 

I do not understand how this can happen. There needs to be better accountability by the credit bureaus to protect consumers from this type of action that can affect so much in our lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: Atlanticus Services Corporation
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I have notified XXXX  of my current situation of being a XXXX employee and requested an extenstion or change in payment date. I was told twice that " We are unable to offer a grace period or an extension on your monthly payment ''. I contacted them prior to the furlough and requested a payment date change " Sorry but your payment date can not be changed ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-09
Company: EQUIFAX, INC.
State: FL
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:
This company has reported fraudulent information on my consumer report without my written consent, anything without permissible purposes is considered identity theft. I demand that this company remove this fraudulent Inquiries from my consumer report and from there internal data base.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
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: Account information incorrect

Complaint:
Car payment are showing 90 past due on for the mouth of XXXX XXXX and XXXX XX/XX/2018 and XXXX XXXX and wasn't late and this hurting my change on get a home and will remove after I sent the payment history

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 2019-10-02
Company: Stephen Einstein & Associates, P.C.
State: NJ
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 recieved a notice in the mail dated XX/XX/2019 stating that an application for WAGE GARNISHMENT is being filed against me by STEPHEN EINSTEIN and ASSOCIATES on behalf of XXXX XXXX XXXX. I have no knowledge of what this is in reference to and I was never given notice to appear in court or that there was a judgement against me.This appears to be very shady and deceptive as the letter is dated XX/XX/2019 and I recieved it well after that date with notice that if I don't reply within 10 days of the date the court will issue a wage execution against me.There is no mention of what it's for, how much it's for, or no relevant information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Yesterday. arepresentative from XXXX XXXX XXXX contacted me regarding several complaints filed against me. He said that I had two felony counts, one being check fraud. I told him that I would not pay anything without written notice of the debt. He went on to say that this is my only chance to resolve it and if I didnt want to talk to him then they can proceed further. Said that they would contact my employer. I told him that I do not give him permission to contact me or my employer without proof that the debt was owed. I received a voicemail today threatening to contact my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
In XX/XX/2021 the account was paid and agency stated the item would be updated and removed within 30 days from final payment. On all my reports the account is still there and showing an amount owed when this account has been paid and should be removed.

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 2021-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I previously filed a complaint regarding Bank of America withholding my {$230.00}. I paid for a gaming system online from a scam company. I never received any gaming from the company and supplied proof that the company was fraudulent. Despite my evidence, Bank of America still refuses to refund my money. 
The fraudulent company ( which has now taken down their site ) sent Bank of America fake tracking information. I went to the USPS and received the REAL tracking information which shows the fake scammers sent first class mail to my address with a weight of ( 13 oz ) not 8-9 pounds that a gaming system would weigh! See Attached. Despite this, after many months ( since XXXX XXXX ) Bank of America has still withheld my money! I am requesting you intervene. I sent your company previous documents, The CFPB from B of A never called me! I want my money!

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 2019-07-31
Company: U.S. BANCORP
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Completed online mortgage application online via US Bank Loan Portal, on XXXX/2019.  Assigned XXXX XXXX as the mortgage loan specialist.  Received a voice mail message from Mr. XXXXr (XXXX) and returned call on or about XXXX/2019 and left a voice message to contact me back (XXXX).  No response via phone, mail or email.  Application status is being delayed for no apparent reason.  A hard credit pull was done on XXXX/2019 and impacted my credit score.

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 2017-07-14
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hello, I am writing to express my concerns about how XXXX XXXX  and Navient have been mishandling my loans.
I have successfully completed with A Student Loan Rehab Program that assisted with restructuring my loans with a private loan service " collection agency '' XXXX XXXX Shortly after competing there program and completing on time payments they stated my loans would go back to the original debt collector Navient.
When my loans were sent back to Navient I applied for an IBR and completed that program for a year. When I was up for my renewal I completed my re-certification indicating how much I would like to pay in the IBR program.
I received information that I did not have to pay for the year which I thought was odd for the this year 2017 the entire purpose is to PAY on my loans. Despite that I am still making payments probably not even making a dent on the amount owed horrible.
I also applied for my re-certification with XXXX XXXX which I completed a year long with them paying XXXX on each loan a total of {$10.00} per month it was much but when your trying to make a living and not go into another collection {$10.00} is still {$10.00} that could go towards fuel and/or food.
In my re-certification I was informed that I would not have to pay back for this year which is not what I asked. I specifically request to be charged automatic debt to my bank account {$20.00} per month {$10.00} each loan which I have attached to this email. I have so many forms from Navient and XXXX XXXX that sending them all would not make sense to anyone so I am sending what I think is only logical to prove my statement.
I now work for XXXX XXXX in XXXX XXXX ( XXXX XXXX, NV ) and being that I meet the criteria for the Public Service Loan Forgiveness program I was rejected twice.
Both rejections said my loans did not qualify. I called to speak to a representative and she gave me the run around stating my student loans were " commercial '' and that they need to be switched to be able to consolidate them once I complete that than I can apply for Public Service Forgiveness. I am not sure the validity of this as these reps are trained to just talk and talk to confuse us on purpose and cause confusion and unnecessary stress and XXXX to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/2019, XXXX XXXX, I contacted Coinbase Support with the following email, " Hi, My name is ******* *********. I am trying to initiate a transfer from my vault to my bitcoin wallet. Unfortunately, it seems that my secondary email address has changed without me doing it. I need my secondary email address changed back to the original one ( XXXX ) so I can approve the withdrawal from my Vault. 

If you need any additional information, please let me know. My phone number is XXXX. You can also reach me at either XXXX or XXXX. 

Thank you, XXXX '' I also called them on the same day thru their support number on XXXX, to reiterate my concerns, and I spoke with XXXX. He told me he would immediate forward my case to a specialist team. 

Coinbase emailed me the following on the XXXX of XXXX. : " Hi there, Thank you for your patience. 

This issue is being addressed by case XXXX. Please use that case number to communicate with us and track current developments involving your issue. 

All the best, Coinbase Support '' I have been waiting for a month for Coinbase to  resolve this issue, and during this time when I have wanted to withdraw my funds, bitcoin has fallen from {$14000.00} a coin to below {$10000.00}. This type of customer service is ridiculous. 

I called them today ( XX/XX/XXXX ) to inquire about my account information and my inability to withdraw my funds, and it seems that they have not been working on my case, and XXXX, the service representative I was speaking with, repeated the same lines that XXXX said, and would be unable to do anything about it. 

All I want to do is withdraw my money out of this organization. Changing my secondary email address without my permission should never have happened in a company of this size. And XXXX my issue, yielded results that this has happened to many other people, yet Coinbase is doing nothing about fixing the error with their own system. 

After I called them on XX/XX/2019, the sent me two emails saying that they would look into it. I have attached those 2 emails. If you look at the attachment called email2, it says " Please note that these reviews are typically completed within 5-7 business days. '' It has been over a month since they said that, and there is no progress so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
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: Personal information incorrect

Complaint:
I have a few addresses in my report that are incorrect and i would like for you to dispute them. I have never lived on those addresses and are effecting my credit.

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 2019-05-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
On or about XX/XX/2018, I received a phone call from XXXX XXXX XXXX, on behalf of XXXX XXXX 's XXXX. They stated that I owe {$75.00} for services rendered and not paid for. I contend that I do not know of this company or hospital and have never received any care from the creditor in question. Previously, in XX/XX/2018, My home was burglarized at gunpoint. 5 armed thieves stole all of my personal Identification and all of my home electronics. A number of financial and home improvement accounts were opened in my name - fraudulently! I am 100 % adamant that I do not owe {$75.00} to XXXX XXXX and XXXX XXXX 's XXXX. The account in question was set-up using my personal identification, which was stolen in XX/XX/2018. I have had numerous battles with XXXX, XXXX and Equifax. I demand that all erroneous entries be removed at once or I will file an Attorney General complaint against the CRAs and Creditors!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-05
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: Personal information incorrect

Complaint:
a letter was sent out XX/XX/XXXX asking that all previous address be deleted. employment history be deleted because i don't work .also, change address to the current address and correct birthday.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
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: Old information reappears or never goes away

Complaint:
I enrolled with XXXX  XXXX XXXX XXXX back in XX/XX/2010. At the time of enrollment I was told that my credits from my prior school would transfer towards my degree. It wasn't until a the end of XX/XX/2010 that I was informed that they wouldn't transfer my credits. I therefor withdrew from the college extremely upset that I was mislead and wasted several months that I assumed was being put towards my degree. I enrolled in a different school. The statue of limitations for how long the accounts can report has long expired. Again this all occurred in 2010 and at no point was payment made. It's now almost 9 years and the four accounts are still reporting. This is clearly a violation of 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 2022-02-09
Company: Consolidated Information Services Solutions, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Universal Credit Services ... XXXX XXXX XXXX XXXX continues the systemic Institutional XXXX oppression, and XXXX inequality treatment of my personal credit profile ordering a hard credit inquiry WITHOUT my signed authorization. Either provide a signed by me ( XXXX XXXX ) application, document with my signature authorizing such, or IMMEDIATELY remove the erroneous inaccurate inquiry from my credit reports!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: Ditech Financial LLC
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Ditech has held my escrow ( personal property taxes and added interest for XX/XX/XXXX and XX/XX/XXXX, now I receive a letter XX/XX/XXXX stating that I need to pay {$3700.00} or our mortgage will go up {$480.00} and if we pay the {$3700.00} payment will still go up {$190.00}. I think that when Ditech pay our personal property taxes and insurance, they need to add it to escrow at that time and not hold it and let it add up and make our escrow short. Now we will have a big payment that we can not afford. When I called XXXX, the lady I spoke with could careless. I do n't have {$3700.00} and I ca n't afford to pay {$1800.00} either. They need to give us more options.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
I received a letter dated XX/XX/XXXX from Bank of America stating that i owed {$31.00} from an account closed XX/XX/XXXX. My case number for this issue from Bank Of America is ( XXXX ). I contacted their Recovery Services unit and paid this amount ( {$31.00} ) was paid in full that month ( XX/XX/XXXX ). It has been four months since i settled this debt and I can not open a bank account. This issue in impeding my progress. I need a bank account and thought this was settled months ago. I even gave it time for them to report to credit agencies for it to be removed. I tried to open a bank account on XX/XX/XXXX and was unsuccessful due to this issue i thought was resolved. I am requesting that that this negative report be removed so I will be able to open accounts in other financial institutions. I am know wondering if there is another issue that is delaying my ability to open an 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 2019-05-09
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My XXXX XXXX report claims that I had opened a account with us bank on XX/XX/2015 which at the same time I was doing a XXXX term so how can that be

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 2019-05-09
Company: EQUIFAX, INC.
State: MO
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:
Equifax is reporting misleading or unproven information damaging my reputation and credit worthiness. Not only are they reporting an account that is passed the statue of limitations. They are reporting inaccurate unverified information on my credit report. I have called XXXX XXXX XXXX XXXX several times with no help and send out letters. There is an inconsistency of reporting even just the account number, date opened, terms, payment status, date last reported, DOLA, DOLP, and payment history grid among other aspects.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
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: Old information reappears or never goes away

Complaint:
I enrolled with Florida XXXX XXXX XXXX back in XX/XX/2010. At the time of enrollment I was told that my credits from my prior school would transfer towards my degree. It wasn't until a the end of XX/XX/2010 that I was informed that they wouldn't transfer my credits. I therefor withdrew from the college extremely upset that I was mislead and wasted several months that I assumed was being put towards my degree. I enrolled in a different school. The statue of limitations for how long the accounts can report has long expired. Again this all occurred in 2010 and at no point was payment made. It's now almost 9 years and the four accounts are still reporting. This is clearly a violation of the FCRA.

Company response to consumer: Closed with explanation