BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-28
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 checked my XXXX  report and it listed this account reported by TransUnion : XXXX XXXX XXXX  XXXX  XXXX   XXXX XXXX XXXX {$23.00} XXXX XXXX   XXXX/XXXX I have NEVER had a XXXX card . I refuse to shop there. I boycott the store due to their unethical practices and treatment of employees. 

I have NEVER received any kind of statement or anything related to this. No call - usually I get an identity theft call. I never even knew this existed. I AM EXTREMELY UPSET AND DEMAND IT BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY!!!

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 2019-07-28
Company: Experian Information Solutions 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:
The loan was paid off in full and the account was satisfied as agreed, please remove the error from my credit report ASAP..Please change this, fix the account please 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 explanation
Consumer complaint received 2018-01-10
Company: Perfection Collection
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not recognize this account, and have submitted over and over for proof that I indeed consented to this account. Not once, has anyone taken into consideration what I am saying and have verified indeed that this is wrongfully reported onto my consumer report. I would like to be provided proof I consented to this account via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no irrefutable evidence, proof that I in fact was the one seeking to obtain a line of credit and the creditor had a permissible purpose to in fact and legally obtain my credit file information after a positive identity verification, immediately of any or one, I would like it removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Convergent Resources, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They keep calling. When I answer there is silence, then they hang up. I 'm suspicious that they 're recording my voice.

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 2018-01-10
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I purchased XXXX dollars worth of Bitcoin on the XXXX app Coinbase on XX/XX/XXXX, and sold XXXX dollars worth of Bitcoin on XX/XX/XXXX. I have not yet received my funds which were supposed to arrive no later than XX/XX/XXXX. 

I have contacted Coinbase " support '' through multiple facets, such as IM on their website, email, and phone, but it is to absolutely NO AVAIL. This is incredibly disappointing, as I have essentially been robbed of my money. One must take self accountability to losing money due to poor investments, however this is just plain FRAUD and theft. 

Coinbase has only responded to me once with the " We are looking into your issue and are working hard to resolve this '' type of message ... 2 weeks ago. 


I am a struggling college student and I have definitely learned my lesson -- but I need my money back. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
For the past 18 months I have requested, patiently and respectfully, that Experian verify and perform a complete and proper investigation on the Bankruptcy they are reporting under my name and attached to my social security number. Time and time again I have received an XXXX generated " verified as accurate '' with 3rd party reporter XXXX. Then I was told, over the phone, to go look it up for myself in XXXX and with the courthouse. I was told misleading information in that the courthouse was reporting this information. I have affidavits and other documents that confirm this is not true. The courts have nothing to do with credit reporting agencies, and they can not offer or confirm information over the phone or e-mail. There would be no way for them to legally do that as they CAN NOT GIVE OUT SOCIAL SECURITY numbers. So, that was not accurate. Then, I looked up the case in XXXX, and the social security number does not match mine. Now, as I was also advised to do, I contacted XXXX to get my report, which Experian claims is their source. I am attaching the files and there is NO BANKRUPTCY records under my name, date of birth, social security number, or any other numbers that clearly identify me. Again, I have been more than patient and this has been going on for far too long. I am tired of these blatant violations of my right under the Fair Credit Reporting Act. I am attaching the XXXX report.

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 2018-01-10
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried multiple times to communicate via phone and in writing with this company. I have shown proof that I do not have a file in their office. I have never HAD AN ACCOUNT, ATTEMPTED TO OPEN AN ACCOUNT, DID BUSINESS WITH, OR TOOK OUTN A LOAN with this company. Upon calling their office and providing my full name, dob, and social security number the representative was not able to find a file with my name. I spoke with multiple representatives including a manager. No one was able to find my account. I attempted to explain it is on my XXXX. The manager asked me to dispute the account through the collection agency. I tried and they stated it was the original creditor that had to receive the dispute. I have tried multiple times to dispute. I have requested on two separate occasions via the USPS validation of this debt. I included a copy of my US Social Security card showing my full name and social security number. I requested VOD on XX/XX/XXXX, and XX/XX/XXXX. I provided my full name and mailing address. I have not received VOD. I suspect they are unable to verify a debt that does n't exist in my name. I am respectfully demanding what the law states. They have no provided VOD within 30 days. They do not have evidence of an account in my name. There are no records in my name housed by their company, previous company, or collection agency. I am demanding full credit bureau deletion immediately. I would like the account closed or in the least removal of my social security # and/or name from the file. Additionally, removing my mailing address and phone number from the file if it has been added DUE to MY written correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Original debt is over 20 years old. Was sent to collections. Was included in a bankruptcy that was discharged fully. Is being re-aged and appears as current delinquency on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: WELLS FARGO & COMPANY
State: CA
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:
Wells Fargo Bank issued me a SECURED CREDIT CARD back in XX/XX/XXXX. It has taken until XX/XX/XXXX to receive a response letter from them telling me that the CREDIT CARD IS NOW UNSECURED. However, XXXX CREDIT BUREAU is NOT reporting this credit card on my report. 
I have been back and forth with BOTH companies. They claim ( XXXX ) that I have to go back to Wells Fargo Bank. So I did, they called there back office. Which said, that we are reporting it. I looked on the report and filed a dispute with XXXX and they sent me right back to Wells Fargo Bank. 
Now its XXXX and I want this agency to investigate it the fullest extent of the law. Thank you all for your efforts!

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 2017-09-25
Company: Experian Information Solutions Inc.
State: SC
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 a XXXX XXXX with a name that is similar to mines and social security number that is 1 number off from mines. After examining my credit report, our identity is being mixed. Her name address and social was popping up under my credit and her name was listed as an " Alias. '' I 've called and written letters and the issue is still ongoing. Many of the hard inquiries on my credit does n't belong to me. Working in XXXX XXXX requires my credit to be decent and this has tremendously lowered my scores. Not only that, it 's hard for me to do many things including my credit and I ca n't because of the mix up. Thanks for your time and concern. 

Sincerely, 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 2019-07-28
Company: Risecredit, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I received a pre approved loan application from Rise credit in the month of XX/XX/XXXX. I applied for the loan in XXXX of XXXX. I was approved for the amount of {$4000.00}. I set up the payment process online which was already selected for me since I am paid bi-weekly. My payments are {$260.00} every two weeks. I noticed that my balance has not gone down. The balance shows that I still owe {$3800.00}. I called and emailed this company and stated that I have been on time with my payments and should be close to paying it off. I was told over the phone that I owe {$3800.00}. I said that is impossible when I have already made XXXX payments. I asked if there was a glitch in their system and the representative told me when the loan is paid off you will know. I am very upset and this does not make any sense to me. I need assistance with making sure that my balance reflects all the payments that I have made. I will NEVER borrow money out of desperation again. Lesson learned

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: Diverse Funding Associates LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Received a letter from XXXX XXXX XXXX ( DNF Assoicates LLC ) date XX/XX/2019. I responded with a debt validation letter on XX/XX/2019 ( certified delivery via usps tracking # XXXX ). I asked them to validate and to also cease communication except via mail. Someone called my cell phone today from their company stating they sent me a letter in the mail ; I haven't received anything. I will be filing suit for FDCPA violations.

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 2019-07-28
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have a student loan with Navient. In XX/XX/2013  the balance was XXXX I have made payments of XXXX to XXXX for the last 6 years ( XXXXXXXX of payments ) as of today I still owe over XXXX! Only XXXX has came off my debt owed out of XXXX In payments. When i pay on time they increase my student loan intrest rates. It is now currently at 12 %!!! I have asked them to lower the intrest and they will not. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft

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 2019-07-28
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: Investigation took more than 30 days

Complaint:
I requested a 1 late payment for investigation for XXXX due to their error. i review my credit report an seen that the account was totally removed and also XXXX points lost. The account was in excellent status. i'm questing that the XXXX account is added back to my account and also would like to have XXXX points redeemed. Clearly it was an error on Transunions behalf. 

Thanks in advance, XXXX XXXX XXXX XXXX : XXXX Email : 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 explanation
Consumer complaint received 2021-09-11
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Please add the attachments on this form to case number XXXX as this is proof of the fraud when I applied for a personal loan for XXXX but my loan was written up as a business loan. The attached documents are very important evidence. Please let me know that you have added the attachments to my case. Thank you XXXX XXXX XXXX. 
Case number XXXX STATUSOPEN Submitted to the CFPB on XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: RevSolve, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have informed both Credit Reporting Agencies on XX/XX/XXXX of the inaccuracies and have asked them to have the Collection companies remove them from my report. I explained how I had medical insurance at the time and the insurance company paid 90 % of the bills. However, they refused to pay these smaller bills claiming I had secondary insurance ( which was inaccurate ) Now, out of the 2 I sent into XXXX regarding XXXX XXXX reporting have been addressed but only 1 was removed. 

Plus, my other complaint is by filing a complaint/request with XXXX they have lowered my score by over XXXX points. I do not understand as if anything my score should be going up as nothing negative has been added and 1 negative item was removed. 

XXXX XXXX XXXX ( Collections ) XX/XX/XXXX - {$3100.00} XXXXXX/XX/XXXX - {$510.00} XX/XX/XXXX - {$1100.00} XX/XX/XXXX - {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: Experian Information Solutions Inc.
State: FL
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:
This account XXXX XXXX**** has been illegally reported on my credit report..I formally disputed it directly with the credit bureaus in regards to their illegal reporting and have not received any satisfactor reply..Therefore I am now filing this complaint and request a method of verification pursuant to the FCRA, including the name of the person with whom you spoke who has firsthand knowledge of the account in question.. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's Office, should you continue reporting this erroneous item

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 2019-07-28
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 do not owe these companies.. I don't acknowledge the creditor. In relation to the debt, I do not own it, I've been denied credit because of this erroneous information. All I ask is that you delete this information from my credit report right away XXXX XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : 12 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 explanation
Consumer complaint received 2019-07-28
Company: Experian Information Solutions 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 do not owe these companies.. I don't acknowledge the creditor. In relation to the debt, I do not own it, I've been denied credit because of this erroneous information. All I ask is that you delete this information from my credit report right away XXXX XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX****, XXXX XXXX ( Original Creditor : 12 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 explanation
Consumer complaint received 2019-04-16
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:
I have contacted XXXX, Experian, and the debt collector XXXX XXXX XXXX about a fraudulent account and all 3 companies have refused to remove this account from my credit file. There is a fraudulent account that XXXX apartment community allowed to be opened in my name as a result of identity theft. I have told XXXX  l, Experain, and XXXX that the original account from XXXX was fraudulent and that the collection that XXXX   placed with XXXX XXXX XXXX was fraudulent. I have provided XXXX XXXX XXXX, Experain, and XXXX a copy of my police report and reported the account as fraudulent, and all of them have refused to correct the record and block the fraudulent collection from my credit file. I have also notified the furnisher of this information XXXX that this account was fraudulent and provided them a copy of my police report as well, and all 4 companies have continued to violate the FCRA by continuing to report this fraudulent information about me. 

XXXX XXXX XXXX continues to harass me over a debt that they and the other 3 agencies have been formerly notified was fraud. They have continued to use abusive collection tactics and reporting tactics to attempt to force me to pay a debt that they have full knowledge does not belong tome and is as a result of identity theft.

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 2017-07-28
Company: Experian Information Solutions Inc.
State: NE
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:
On my Experian Credit report there is an account that exceeds the 7 year time frame for reporting. XXXX XXXX XXXX first went delinquent per my credit report on XX/XX/XXXX and therefore should have been deleted effectiveXX/XX/XXXX and is still on there. This should be deleted effective immediately

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 2019-07-28
Company: U.S. BANCORP
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My mother had a credit card with Capital City Bank. She passed away on XX/XX/XXXX. I called Capital City Bank, advised them of mother 's death and asked them to stop auto-debiting our joint account. I was told two things : 1 ) the future auto-debits would be canceled and 2 ) the current payment was pending and to call back the next day to have it reversed. When I called back today and spoke with representative and a manager I was told.. '' I apologize for the loss of your mother ... .we can't give you any information nor can we confirm or deny that auto-payment was canceled nor can we assit you in canceling your mother 's auto-payment from your checking account. '' So even though my mother passed away on XX/XX/XXXX, and Capital City Bank was notified, they still took {$200.00} from my checking account on XX/XX/XXXX even though they had advised me that this would not happen. I feel as if they are taking advantage of me as a consumer and are trying to profit from the death of my mom.

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