BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Debt collector lacks standing in collection activities and is violating my legal rights in attempting to collect the allege debt. The debt collector is involved with other parties that have used fraudulent methods while attempting to secure the allege debt. There has been a range of federal violations associated with this particular case. 

I am providing evidence in form of an affidavit of facts from an expert witness to the CFPB and other government entities to verify the illegal activity. 

I have attempted to resolve this matter and open to some type of settlement prior to further litigation.

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 2019-11-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection of this alleged debt? 
4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Coinbase, Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
A wire was sent from my bank on XXXX before Coinbase 's cut-off processing time. My bank does confirm the funds are sitting with Coinbase. Coinbase is refusing to put the money into my account and claim no money was ever sent. They said to stop contacting them about " missing money ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: EQUIFAX, INC.
State: CO
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:
What is this complaint about? 
When applying for a car loan the credit report from XXXX/Equifax is drastically less from my consumer pull than what the dealer came up with. My scores have been hovering at the same number for about a year. I additionally have different averages for the age of my accounts. My paid off debts to not show for some reason either. Lastly, when I tried to get insurance it seems my public record was mixed up with wrong person, however I have no insight into this issue now. 

What type of problem are you having? 
Inability to get public information or the reasons behind my credit score being low. IE : Through my requests it shows as XXXX but through a pull from someone else the score shows as ranges XXXX to XXXX. Not able to get insurance for new car. Not able to figure out what issues are happening for my records. 

What happened? 
I attempted to purchase a car out of necessity and had to co-sign with someone else because of the issues with my credit and possible identity. 

What company is this complaint about? 
Equifax, XXXX, and XXXX. 

Who are the people involved? 
XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: Kabompo Holdings, Ltd.
State: AK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
The " public information '' questions they ask when verifying ID at XXXXXXXX XXXX and ( attempt at ) opening an account at XXXX contain inaccurate information and can not be answered truthfully.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: Experian Information Solutions 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:
PLEASE LOOK INTO THE XXXX ACCOUNT WHICH IS REFLECTING NEGATIVELY ON MY CURRENT CREDIT REPORTS. THIS IS AN ACCOUNT THAT IS NOT REPORTING ANY BALANCE WHAT SO EVER, IT IS A PAID CHARGED OFF ACCOUNT AND IS STILL REPORTING UNDER ALL THREE BUREAUS. THE ISSUE HERE IS WHY WAS XXXX  ABLE TO REPAIR THE DEROGATORY HISTORY ON THIS ACCOUNT, AND WHY DIDN'T XXXX AND EXPERIAN DO ANYTHING ABOUT IT? NOTHING HAS BEEN DONE ABOUT THIS MATTER AND I DEMAND TO KNOW WHY THIS ACCOUNT IS STILL REFLECTING NEGATIVELY. THIS ACCOUNT HAS BEEN OPENED SINCE XXXX OF THE YEAR XXXX. AFTER SEVERAL ATTEMPTS AT DISPUTING ( SINCE : XX/XX/XXXX ), AND TRYING TO GET THE NEGATIVITY OFF OF MY CREDIT REPORT, STILL ... ..NOTHING HAS BEEN DONE ABOUT THIS MATTER AND THIS IS REALLY GETTING TO THE POINT WHERE IT IS UPSETTING ME IN GENERAL.

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 2022-12-14
Company: EQUIFAX, 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:
The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, the information you provided on items are DELETED from other bureaus and I have doubts about their accuracy the reported payment history on items are a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$19000.00} ; XXXX XXXXXXXX Balance : {$410.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: CAVALRY INVESTMENTS, LLC
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A debt collector called Cavalry SPV I , LLC contacted me about an account in collections from XXXX XXXX XXXX I contacted XXXX, and they wrote me back saying that this account that didnt exist, and told me not to respond to the debt collector. However, now the credit reporting agencies say I have an account in collections, despite having no other problems with my credit report. Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-19
Company: AmeriCollect
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I already raised concern about the collection record on my account for XXXX XXXX. My concern is if I did not get any call for any debt how would I pay it. I did not even know about the amount for XXXX XXXX Hospital and one day suddenly I saw debt collection in my account which is not valid. Also I want Americollect to remove that collection record from my account. They can not add collection record without even informing customer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
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:
PLEASE LOOK INTO THE XXXX  ACCOUNT WHICH IS REFLECTING NEGATIVELY ON MY CURRENT CREDIT REPORTS. THIS IS AN ACCOUNT THAT IS NOT REPORTING ANY BALANCE WHAT SO EVER, IT IS A PAID CHARGED OFF ACCOUNT AND IS STILL REPORTING UNDER ALL THREE BUREAUS. THE ISSUE HERE IS WHY WAS TRANSUNION ABLE TO REPAIR THE DEROGATORY HISTORY ON THIS ACCOUNT, AND WHY DIDN'T XXXX AND XXXX  DO ANYTHING ABOUT IT? NOTHING HAS BEEN DONE ABOUT THIS MATTER AND I DEMAND TO KNOW WHY THIS ACCOUNT IS STILL REFLECTING NEGATIVELY. THIS ACCOUNT HAS BEEN OPENED SINCE XXXX OF THE YEAR XXXX. AFTER SEVERAL ATTEMPTS AT DISPUTING ( SINCE : XX/XX/XXXX ), AND TRYING TO GET THE NEGATIVITY OFF OF MY CREDIT REPORT, STILL ... ..NOTHING HAS BEEN DONE ABOUT THIS MATTER AND THIS IS REALLY GETTING TO THE POINT WHERE IT IS UPSETTING ME IN GENERAL.

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 2022-10-13
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: Information belongs to someone else

Complaint:
Id theft victim These accounts are not mine XXXX XXXX  balance {$21000.00} XXXX XXXX XXXX {$21000.00} XXXX XXXX balance {$620.00} acc number XXXX ( i have my own card ) XXXX ( authorized user ) Not my account XXXX XXXX balance {$3800.00} ( i Have never paid late ) XXXX XXXX Never paid late DEPT OF EDXXXX XXXX This is in deferment till 2024 Never paid late DEPT OF EDXXXX {$37000.00} this account is in deferment till XXXX never paid late

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021, I wrote a letter to CMRE, requesting them to provide proof that they are, in fact, contracted with XXXX XXXX in order to collect a debt that is not owed to them. Further, I requested validation of the debt, including a contract between myself and XXXX XXXX. 

Certified Mail Number XXXX XXXX XXXX XXXX XXXX I have, since then, received none of which was requested. However, CMRE continue to report this account to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
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:
Upon dispute with XXXX XXXX acct # XXXX due to identity theft XXXX XXXX   have failed to provide me with proper verification of any sort. not only have they failed to provide me with proper physical contracts bearing proof of signature and payments they have also reported different balances and dates of last payments to each credit reporting agencies XXXX, XXXX   and Equifax. this is very harmful and suspicious for a company with such reputation. i've attached the different inaccuracies and again a letter with information I wish to be verified and copy of my local police report for deceptive practices. this account does not belong to me. all accounts on my credit file has been paid with great integrity to revive my good credit history. i ask that this negative rating be deleted from my credit file upon their 90 day investigation as written. its unfair to me as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05
Company: SUNRISE CREDIT SERVICES, 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:
These are the following accounts that are on my credit report without me knowing 1. XXXX XXXX. DATE OPENED XX/XX/XXXX {$1000.00} 2. XXXX XXXX XXXX  date XX/XX/XXXX {$6000.00} 3. sunrise credit service date XX/XX/XXXX {$230.00} 4.XXXX XXXX XXXX XX/XX/XXXX {$0.00} 5.XXXX  XX/XX/XXXX {$0.00}

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 2022-08-11
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: Account information incorrect

Complaint:
Credit report information integrator XXXX XXXX, providing services to XXXX XXXX as my lender, has opened a complaint on this directly with Experian. Experian has not updated my account balance since XX/XX/2022. It shows currently a balance due on XXXX XXXX XXXX XXXX loan # XXXX that is {$6000.00} higher than the actual balance. This is impacting my loan status for a new mortgage with XXXX XXXX. I am going to open my own personal complaint as well. The XXXX XXXX mortgage loan officer I am dealing with is XXXX XXXX at XXXX if she is needed to confirm the problems this created due to Experians negligence. XXXX XXXX can confirm that the loan is in good standing

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 2017-12-13
Company: Lendmark Financial Services
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
TOOK MONEY FROM MY BANK ACOUNT JUDGE SAID IT PAIDED IN FULL

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: EQUIFAX, INC.
State: IL
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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 


XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX  Closed on XX/XX/XXXX XXXX XXXX XXXX  Closed on XXXX XXXX, XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I've contacted the wells fargo in XX/XX/XXXX for modification and i couldnt work, they didnt get back to me. they reported to credit bureau s late for 120 days and they schedule a foreclosure date in XX/XX/XXXX. i had to borrow from my credit cards to pay to wells fargo and stop the foreclosure, my account # 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 2019-09-19
Company: WELLS FARGO & COMPANY
State: MN
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 had co-signed on a credit card account with Wells Fargo with my student daughter. This was some time around 2012. I was/am the primary co-signer due to my credit score. The credit limit was set at {$1000.00}. Wells Fargo fraudulently and without my knowledge or authorization kept increasing the credit limit until it was over {$7000.00}!

These were charges all made by my daughter and the account has since been closed and paid down to around {$3600.00}.

It was NEVER my intent to have the card run over {$1000.00}! If Wells Fargo is going to make ME responsible for this account I should have been the once to authorize the increases. I would like them to take my name off this account. Further, I want Wells Fargo take the balance down to {$1000.00} due to the fraudulent actions with my credit and name.

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 2023-08-31
Company: AMERIS BANCORP
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
The branch manager assured me that they can only refund the fraud amount that was taken from my account for only 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
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: Was not notified of investigation status or results

Complaint:
I sent letters out CERTIFIED over 60 days ago and have not been notified as a consumer i feel like these jokers are taken advantage of normal people.

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 2021-09-02
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: Account information incorrect

Complaint:
after reviewing my credit report I sent a dispute letter to XXXX, XXXX  and Equifax on the inconsistent accounts and inaccurate information account XXXX XXXX this account status, date opened, last reported, date last active and date of last payment is all reporting inconsistent and inaccurate information dollar amount ( {$29000.00} ) account XXXX XXXX XXXX XXXXthis account status, no. of months terms, last reporting date, date last active and date of last payment is all reporting inconsistent and inaccurate information dollar amount ( {$230.00} ) account XXXX XXXX XXXX  XXXXthis account number, date opened, last reporting date and date last active is all reporting inconsistent and inaccurate information dollar amount ( {$280.00} ) account XXXX XXXX XXXX XXXXthis account date opened, last reported date and date last active is all reporting inconsistent and inaccurate information dollar amount ( {$100.00} ) account USDOE/XXXX XXXX this account status, date opened, last reported, date last active and date of last payment are all reporting inconsistent and inaccurate information dollar amount ( {$50000.00} ) account XXXX XXXX XXXX this account number, account status, date opened, no. of months term, last reported, date last active and date of last payment are all reporting inconsistent and inaccurate information dollar amount ( {$29000.00} ) these accounts are furnished by the same creditor so why are these account reporting differently? it is your duty to ensure that all information reported consistent and most importantly accurate and you have failed to do so. please deleted this erroneous items immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Continental Finance Company, LLC
State: SC
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:
XX/XX/XXXX I noticed 5 transactions on my surge credit card that were not mine. I live in South Carolina and these purchases were made in XXXX New York. I called my credit card provider and disputed the charges. When I got my statement in XXXX the charges had been adjusted. I made my payment on XX/XX/23 that would be due on the XXXX of XXXX. When I got my XXXX Statement the charges had been put back on my card. Since this was fraud they cancelled my old card and sent me a new card and i have not even activated the new card. I called customer service again and asked why these were taken off and then put back on the card. This is NOT a low interest card and it has a XXXX yearly fee!! I am trying to work on my credit and this is a SCAM! The representative said that i needed to talk to the " fraud department '' I asked to speak to a supervisor because i clearly have not traveled to New York and I should not be charged interest on these transactions amounting in {$170.00}. They seemed to not care at all them or the supervisor. They gave me a claim number and a number to call the fraud department. I called them and they didnt even answer. I had to leave a message and they called me back a week later and i was unable to answer bc i was at work as i stated in the message i left them. This is a SCAM!!!!

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