BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-22
Company: Greater Collection Agency Bureau, LLC
State: KS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
the debt owed was {$430.00}. We received a call from another company saying they had the debt and we needed to pay it. I can't remember when they first made contact but they took the first amount out as follows XX/XX/XXXX - {$60.00}, G.C.A.B XX/XX/XXXX - {$60.00}, GREATER COLLECTION XX/XX/XXXX - {$60.00}, XXXX XXXX XXXX XX/XX/XXXX - {$60.00}, G.C.A.B XX/XX/XXXX - {$60.00} G.C.A.B XX/XX/XXXX - {$60.00} G.C.A.B XX/XX/XXXX - {$60.00} G.C.A.B FOR A SETTLEMENT AMOUNT OF {$390.00} THE MONEY WAS TAKEN OUT OF MY ACCOUNT THAT WAS SET UP THROUGHT THE COLLECTION AGENCY THAT TOLD ME THEY REPRESENTED XXXX XXXX. THE " COLLECTION AGENCY '' THAT FRAUDED ME OUT OF MY MONEY WAS GREATER COLLECTION AGENCY BUREAU XXXX XXXX XXXX XXXX NC XXXX PHONE NUMBER ( XXXX ) XXXX FAX NUMBER ( XXXX ) XXXX EMAIL : XXXX. THEY TOOK THE MONEY OUT OF MY ACCOUNT ON TIME AND DID NOT TAKE ANYMORE THAN WHAT WAS " OWED ''. THESE PEOPLE ARE A FRAUD!!!!!

Company response to consumer: Untimely response
Consumer complaint received 2018-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2018, I ordered a copy of my credit report. Upon review, I noticed well over 30 unauthorized inquiries on my credit report. I immediately called each credit bureau and filed a formal complaint as well as the Federal Trade Commission so as to provide them the necessary information so as to have these unauthorized inquiries removed from my credit report. Well after 45 days of waiting I received letters stating that these inquiries have been verified and when I inquired as to how the bureaus stated they sent out emails or some sort of electronic communication asking were these inquiries made by me. They stated each company had responded as " YES '' but when I asked whom did they speak and what kind of physical evidence could be found they all said they didn't speak to anyone or review any documentation. I am completely baffled by this so they just sent basically a TEXT requesting the company in question do they KNOW me and those companies said YES. This is completely disturbing to know they did not truly validate these applications yet are reporting I made them. I supplied them with a copy of my utility bill, driver license, and social security card so they could validate said requests which I found in most cases were inaccurate or simply erroneous as the companies who made the inquiries did not have my personal information correct in ALL CASES yet the laziness of each credit bureau is of such they do not care or truly try to investigate such matters as serious as this. Please assist me in this most serious of matters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX  XXXX  sent me to a collection account for a bill that was not mine, For mobile service, I have never had mobile service, They said someone was using my SS and name and birthdate. 
Today XX/XX/XXXX filed a police report waiting to receive a copy of police report so I can ID Theft information form back to XXXX XXXX. 

XXXX XXXX sent me to debt collector ERC.date of invoice shows XXXX. 
XX/XX/XXXX I think they started using mobile service in XX/XX/XXXX. 
XXXX  XXXX, reference # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: EQUIFAX, INC.
State: NJ
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've been disputing fraud accounts and inquiries on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. I have even called the bureaus stating my case and they have done nothing besides ignore my requests again. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: Experian Information Solutions Inc.
State: NC
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:
I am a victim of identity theft. There are fraudulent inquiries reporting on my credit 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 non-monetary relief
Consumer complaint received 2019-08-09
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
NetCredit sent a notice of adverse action well outside of the window required under CFPB rules. The notice of adverse action should be sent within 30 days of a denied application and I received the notice today, XX/XX/XXXX, for an application for pre-qualification made in XXXX of this year. 

" We are writing to you with information about your application with NetCredit on XX/XX/2019. Due to an internal error, this notice was not sent immediately after a decision on your application was made. As a reminder, you are entitled to a free copy of your credit report that was used in our decision-making process. If you have any questions about this notice, please contact NetCredit directly at the number listed below. 
Date : XX/XX/2019, XXXX XXXX Central Time "

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I work for this XXXX, I made calls and was given to debt collector. Very rude and continued to give different people to call for an itemized statement of original bill. I have no knowledge of what this bill is, where it came from, or why I would this debt .... I requested that information on my original dispute. I was not provided that information only what the debt collection bill says XXXX IS THE AGENCY AND I HAVE AN ACCT WITH THEM THAT I PAY FOR ... .. doesnt look like they are trying to truly provide me an investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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:
Bank of America just decides that the law does not apply to them. They have violated many state and federal laws and I have a list of violations noted that I will discuss with an attorney if this account is not removed. They are reporting different dates across different bureaus, they have removed payment information and the account looks to be re-aged. I have submitted well over 10 total disputes to Bank of America, XXXX, XXXX, and XXXX  over about 18 months time. They say the information is " verified '' but that is impossible. If it was " verified '' they would see they are not reporting accurate or complete information, they would see they have deleted and re-aged payment history, and they would be able to provide me the information I ask for, but they have not. 

They have different account closed dates reporting for different bureaus, which means this information is not being reported accurately and complete as the law states. They are reporting different last payment history dates for different bureaus. They have completely taken away 2013 dates to re-age this account. They have holes in when they report so that they can re-age this account. 

All of these things are illegal and violations that warrant damages.

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 2019-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have closed this account, repeatedly, I've e-mailed, called, even went into the branch and spoke to a person and was assured the account was closed, and yet it still shows up as open.

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 2021-08-10
Company: Experian Information Solutions Inc.
State: GA
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've issued a dispute to all 3 major credit bureaus advising that XXXX XXXX account XXXX is missing payment history information and the amount is incorrect. Experian, XXXX, and XXXX XXXX still have not removed this account from my credit report within 30 days and continue to be in violation by reporting inaccurate and incomplete accounts.

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 2021-01-21
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Account opened XX/XX/XXXX and deposited {$1000.00} when I go to coinbase.com - everyday since the account was opened : Account under review Your account is currently being reviewed and we need some time to verify your info. During this review, you won't be able to use Coinbase. Reviews generally take a few days, so sign in every day or two to check your status.

There is no response and no telephone number to call.

Automated Customer Help says top wait 5 or 6 days - They have said that to me 4 times.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
In an attempt to purchase concert tickets, I communicated with an internet seller. He gave his name, email address and phone number and via a phone conversation, explained that he felt more secure using XXXX  through his bank account. He sent a screenshot with a confirmation that tickets had been transferred to my friend with all relevant personal information and pickup information confirmed - it looks legitimate. 

I initiated the transfer through XXXX via my Chase Banking app, presuming that I was protected by Chase Fraud services if the transaction were to go sour. If I was transferring money from within my Chase account, SURELY Chase services would still protect me, right? No ... .I was wrong. I confirmed the transaction and followed the seller 's instructions for ticket pickup, however the tickets were not there as promised, and when I tried to contact the seller, he of course was unresponsive. Nowhere in the XXXX  payment initiation process does it prompt you to confirm that the transfer is NOT protected by the normal Chase fraud protection, again, despite the fact that it is literally embedded in the bank account. It's incredibly, and intentionally, unclear and misleading. The entire point of using this tool was to avoid something like XXXX, which in retrospect, is exactly the same thing. 

I presume his information is also fraudulent however here it is : Name : XXXX XXXX Email Address : XXXX Phone Number : XXXX Bank : XXXX Method of Transfer : XXXX  ( Chase to XXXX ) Amount : {$750.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: AmeriCollect
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
AmeriCollect continues to harass me about accounts that are a direct HIPPA violation. I have repeatedly disputed these accounts. AmeriCollect did not provide me a copy of my signature with the provider of services to release any of my medical information regarding alleged debt as well as cease any credit bureau reporting. This entry on my credit reports is a blatant HIPPA violation and a violation of my consumer rights. These entries must be deleted from my credit reports immediately. XX/XX/15 ( {$54.00} XXXX, XX/XX/15 ( {$160.00} ),

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06
Company: KEYCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX XXXX, 2017 I wish to make a complaint for the customer service I received recently by the Assistant Vice President Licensed Branch Manager XXXX XXXX at the XXXX XXXX Branch. I 've had many issues with overdraft fees charged on my account by Key Bank errors in the past. On XXXX XXXX 2017, I was charged an overdraft fee for insufficient funds since I 've had many issues with Key Bank errors I asked for a refund as a courtesy. The customer service I had spoke to on the phone advised me to go into a Branch near me and speak to a personal banker at a Key Bank Branch near me and they 'd be able to help me. When I went into the XXXX XXXX Branch, I spoke to a bank teller who advised me to go into the Key Bank Branch where I had opened my account and they 'd be able to help me better there. I went into the Key Bank Branch located in XXXX XXXX and spoke to a bank teller who, told me I had to speak to a personal banker in regards to the refund because she was unable to authorize the refund since I had a substantial amount of courtesy refunds already. Which in fact was inaccurate as they had been Key Bank errors. On Tuesday XXXX XXXX, 2017, I went into Key Bank to speak to a personal banker in regards to overdraft fees I had in the month of XXXX. When I spoke to the Assistant Vice President Licensed Branch Manager XXXX XXXX, I tried explaining what had happened with my prior overdraft fees and asked if I could have a courtesy refund on some of the overdraft fees since there had been issues with the prior fees. As I explained what the problem was she rudely interrupted me without letting me explain thoroughly and kept shouting at me " was it a bank error? '' As I had explained, this time it was not a bank error but since I had to deal with many bank errors prior to this one I wanted to ask if I could have a refund as a courtesy. I am absolutely disgusted with the customer service I received by the Assistant Vice President Licensed Branch Manager XXXX XXXX, she was beyond ridiculous! I have never met such a rude person ever before and her behavior was completely out of line! I had to get up and walk out from there before I lost it. As we walked out of the bank she continued to be rude and unprofessional, laughing and smiling and shaking her head as we walked off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX XXXX XXXX XXXX account # XXXX amount due : {XXXX} provider of service : THE XXXX XXXX XXXX Under the FAIR DEBT COLLECTION PRACTICES ACT I am allowed to protect my privacy and medical records from third parties. I do not recall giving my permission to the XXXX XXXX XXXX to release my medical records to a third party. HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization.

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 2022-10-05
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 several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$10.00} XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: EQUIFAX, INC.
State: TX
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 credit report has accounts reporting that should not be reporting on my consumer file under 15 USC 1681 and 15 USC 1681b. I have tried to communicate with these companies to resolve the problem and I have not received a response. I am suffering mentally and under the Fair Debt Collections Practice Act my rights are constantly being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: Resurgent Capital Services L.P.
State: GA
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 checked my credit report and noticed a debt with a collection agency XXXX XXXX XXXX. I disputed the debt in XX/XX/2018. I stated I have no knowledge of this account and that I have been a victim of identity theft. On XXXX XXXX the police dropped off a summons showing XXXX XXXX XXXX purchased this debt from XXXX XXXX XXXX who purchased from XXXX XXXX who purchased from XXXX XXXX XXXX who purchased from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
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:
THIS IS ABSURB. I CANT BELIEVE THIS IS INSANE, I AM A HARDWORKING YOUNG LADY WITH XXXX KIDS. THEY ARE HINDERING MY CREDIT SUCCESS BY ALLOWING CREDITORS TO FALSIFY INFORMATION ON MY CREDIT REPORT. THE XXXX XXXX ACCOUNT SHOULD NOT BE ON MY REPORT, BEEN DISPUTING ITS ACCURACY AND VERIFICATION SINCE XX/XX/2020, UNDER FCRA 809AB GUIDELINES, THIS SHOULD NOT STAY ON AS THEY ( TRANSUNION, XXXX  OR XXXX XXXX ) HAVE NEVER SENT ME ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 


THIS COMPLAINT IS BROUGHT HERE ONLINE TO MAKE SURE THEY DO THEIR JOB THIS TIME, UNDER SURVEILLANCE OF CFPB AND FTC. THANKYOU

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 2022-01-05
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX.I am submitting this complaint without any influence from any third party or agency. There are inquiries on my consumer reports that were not authorized and do not have any accounts on my reports.

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