BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
The USAA Federal Savings Bank will not close three ( 3 ) Fraudulent Accounts that are XXXX Credit Card Accounts This illegal criminal assault on the Claimant ( XXXX XXXX ) excellent Credit Score and Financial Securities catastrophic losses of {$10000.00} US Dollars or more due to the nature of cybercrime since this horrific onslaught has not ended since XX/XX/XXXX This was aggressively attacked by XXXX XXXX XXXX XXXX that obtained the fraudulent report from XXXX by the USPS AT HIS HOME ADDRESS AND THE XXXX AND ANGER THAT THE USAA BANK FRAUD RECOVERY TEAM ( XXXX XXXX AND XXXX XXXX  ) MEMBER ADVOCACY REFUSE TO PROVIDE THE CRIMINAL INVESTIGATION THAT MUST BEGIN IMMEDIATLY BY A REPORT THAT WILL VERIFY THE TELEPHONE CONVERSATION BY SENIOR USAA BANKING OFFICIALS THAT ON XX/XX/XXXX THE FBI REPORTED THAT THREE ( 3 ) UNAUTHORIZED ILLEGAL XXXX CREDIT CARDS WERE ISSUED WITHOUT THE CLAIMANT XXXX XXXX PERMISSION AND THIS IS OUTRAGEOUS THAT EMPTY PROMISES HAVE NOT BROUGHT CLOSURE TO THIS ANTI-TRUST VIOLATION OF USAA FEDERAL SAVINGS BANK INVESTIGATE WITH IMPUNITY AND DO NOT IGNORE THIS REPORT TO THE XXXX XXXX XXXX XXXX AND THE BOARD OF DIRECTORS OF MY 28 YEAR MEMBERSHIP THAT IS TERMINATED AS OF XX/XX/XXXX TERMINATE ALL FRAUDULENT XXXX CREDIT CARDS IN THE NAME OF XXXX XXXX XXXX AND ERASE ALL INFORMATION OFF THE USAA WEBSITE FOREVER AND EVER

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: ENCORE CAPITAL GROUP INC.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My father whom I share the same name with has stolen my identity and was been opening up numerous account of various types over the last several years. I have filed countless police reports, however the problem continues because I do not know where he is located. All I know is that he lives somewhere in Florida. 

Midland Credit Management has sent me some very threatening letters and voicemails in regards to suing me for accounts that are not mine. There are five account with different amounts, which include : XXXX XXXX  for the amount of {$370.00} XXXX XXXX for the amount of {$650.00} XXXX XXXX  for the amount of {$660.00} XXXX XXXX for the amount of {$9900.00} XXXX  for the amount of {$1100.00} The original creditor for the above mentioned accounts is XXXX XXXX. I have reached out to them numerous times to let them know that this matter is identity theft, however they do not believe me and sent these fraudulent accounts to collections with Midland Credit Management.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 disputed this issue with Trans Union, The reporting account was properly varified by the original creditor as belonging to someone else. The person has a similar name. I have never been married nor had any other last nam. Trans Union had well over the time allowed of 30 days and refuse to acknowledge this issue. According to the FCRA, the inaccurate information must be removed. And as of today, Trans Union has ignored my rights to fair reporting.

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 2018-01-17
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I wired {$5000.00} to coinbase, inc on XXXX XXXX, 2017. I did not include the account reference code in the wire. 

I contacted Coinbase customer support and they promised a wire reversal. Weeks have passed. Repeated attempts to contact coinbase again regarding issue was unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have disputed the following address XXXX XXXX XXXX, Texas XXXX with XXXX for I have NEVER resided there. My driver 's license has never had this address. XXXX keeps allowing several creditors to report this inaccurate data on my report. I 'm not sure how they have linked this address with my name. You can contact the Texas Department of Public Safety to confirm this as well.

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 2022-12-10
Company: FCC Finance, LLC
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: Their investigation did not fix an error on your report

Complaint:
i am reporting that FCC Finance remove the debt owed from my XXXX credit report. I have tried disputing this with XXXX directly and they recommended. According to their website they are a home improvement loan company. I have never owned a home and I have requested several backup documentation on how they obtained this loan from XXXX XXXX. This company has failed to provide me with requested information such as proof on how they obtained the loan, if they are a debt collector and if in fact they own the loan the reporting of the loan does not follow federal debt collection procedures that a personal loan is charged off in 120 days for non payment. They have provided me with an allonge document that does not state FCC Finance as the purchaser or receiver of the loan. This inaccurate reporting has been determintal to my personal finances since it shows that it is past due for over 3 years with excess fees added.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Allied Collection Services, Inc. (Nevada)
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have obtained a police report regarding identity theft regarding items that I was not aware or responsible for and provided the information to all three credit bureaus. As a result the erroneous items were removed from my credit report. Today, XX/XX/XXXX, I received an alert from XXXX stating that I had a new collection report with the following information : Account name ALLIED COLLECTION SERVIC Account numbers : XXXX XXXX XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$220.00} past due as of XX/XX/XXXX. 
Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX When I called the collection company, Allied Collection Services, they were unable to open the account and provide specific information. This was a violation of the Fair Reporting Act. They seemed to have purchased a list and filed two fraudulent collections claims against 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 2022-01-25
Company: Sezzle 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: Account information incorrect

Complaint:
Sezzle is reporting to the credit bureau that I owe them a monthly payment of 1500 dollars absolutely destroying my debit to income ratio

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On yesterday XX/XX/XXXX I received a notification from XXXX in reference to my credit report that a collection account was added to my credit file by XXXX. Back in XX/XX/XXXX I received a letter from this company asking for a said amount owed to them in which I 've never done business with this company and I never signed a contract with them. I then in XXXX sent the company a Certified letter asking them to validate this said debt and gave them an set amount of time to reply. All I received from this company was unknown statements and nothing that I asked for in my validation letter, they failed to validate. I then sent them a letter stating that they did not validate and also they did n't send what was requested. And I no longer heard from this company. Until they reported this on my credit file causing my credit to be damaged. This company violated my rights and need to remove this collection from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Selene Holdings LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had the XXXX XXXX with XXXX pay a house payment in XX/XX/2021 but they needed a W9 from Selene finance before they could help again it took from XXXX to XXXX before they would do there job and send the W9. This out everything bin a bind for all those months. The XXXX XXXX XXXX NC through XXXX sent another check for XXXX to get house caught up but the check has never been found. This is now XXXX. I was forced to leave house because XXXX is not a program for me but my husband who has XXXX. I was abused and had no choice but to go in a XXXX XXXX I have 45 days to get a place to live and I am XXXX. So low income housing I can't get unless this house is outy name. I have a buyer that wishes to buy the house but Selene finance again will not comply with a payoff email or anything the name of the bank that the loan is at or anything to help with this. They are shady and are stalling for whatever reason. I need your help. I have no car must email everything could have went back to house if Selene would have been willing to follow through with anything they should. They are by far the worse servicer of this loan that has been on it. Ease help me with getting the bank and the buyer together on this property so I can get it out of my name and on with my life. I shouldn't be XXXX because of a shady servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
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 XXXX XXXX, recently checked my credit report, and discovered I been a victim of identity theft. Per ftc, I was advised to fill out an ftc report and provide my identification. Please see attached documents.

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 2022-01-20
Company: EQUIFAX, INC.
State: CT
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:
Hello. I received an alert stating that a collection account was added to my credit report on all 3 credit bureaus. This collection does not belong to me at all since I`ve never had an XXXX account in my name. I`ve filed a dispute with the credit bureaus and XXXX and XXXX have removed the collection account as of today ( XX/XX/22 ). Equifax is stating that they verified the information as correct which is not accurate at all. How can they verify the account if it is not mine? I need this account removed immediately from my Equifax credit report. I`ve attached several supporting documents for your reference. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Ok hey im XXXX XXXX. I bank with Chime mobile banking. So on Tuesday XXXX the XXXXXXXX XXXX  as I was leaving XXXX XXXX XXXX in XXXX XXXX I received a text from Chime that said my chime number and email on my account had just been changed. I didnt do it as I was driving and I was confused. I got a bit worried and pulled over. So then I tried to login and check my Chime account. It said I cant login as I said earlier the email and number on my account had been changed. At that moment I realized someone had to have gained access to my chime account. I then proceeded to call Chime member services to report what had happened. Eventually an agent verified to me that my savings had just been transferred to my checking and then drained. I couldnt see it becasue I still had no access to my account. I then told him that was not me and I never authorized any money transfer as I dont even have access to my account at the moment. I then proceeded to open a dispute with chime for the unauthorized transaction. They said an investigation would commence and to send them what ever info I had at the moment. I did. Then I proceeded to try and get back access to my account as I was getting a direct deposit from my job in 2 days and I needed to be able to show the police the fraudulent money transfer to make a police report. I managed to gain access to my account again after being on the phone and verifying my info with a agent that same day at night XX/XX/XXXX between XXXX. I logged in and saw my savings was gone. {$3200.00} was transferred from my savings to my checking which made it {$3300.00} then it was transferred to another account as a pay anyone transfer. I was beyond stressed and obviously upset. I planned on going to the police station the next day and I did. As I got my police report and went home to show chime I was met with an email that the dispute has already been denied already in 1 day. Before I even showed them my police report. Clearly and investigation wasnt done. I was livid and told them to open it back up and to do a proper investigation and then uploaded to my report. I haven't gotten any resolution yet. I need some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
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:
XXXX XXXX XXXX XXXX XXXX IS REPORTING I OWE {$2800.00} WHICH I DO NOT OWE I HAVE ASK FOR EVERY PURCHASE MADE ON THIS ACCOUNT THEY SAID THEY COULD NOT PROVIDE ME WITH THAT INFORMATION OR THEY SAID THEY COULD NOT PROVE THAT I OWE THIS MONEY OR THAT I MADE THESE PURCHASES ON THIS ACCOUNT OR CARD

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: NAVY FEDERAL CREDIT UNION
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
my card was charged and NFCU refused to help with the fraud charges

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into 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 non-monetary relief
Consumer complaint received 2022-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
on XXXX i recived my investigation results from trans union saying account was verified if that was the case i need the method of verification under Section 611 ( a ) ( 6 )

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 2022-12-10
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX  XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 1
5 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: AMERICAN HONDA FINANCE CORP
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: EQUIFAX, INC.
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXXXXXX XXXX XXXX account XXXX XXXX {$26000.00}. XXXX XXXX XXXX account # XXXX has violated my rights. By adding collecting accounts of fraudulent accounts thats been removed from my credit report at the making police reports with this company. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate Chapters. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 16663 A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: Experian Information Solutions Inc.
State: MS
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:
Almost 9 years ago we filed for Chapter XXXX and have paid our debts except for a fraudulent proof of claim filed by XXXX XXXX XXXX. A judgement has now been determined that is binding through arbitration and entered into Federal district court. 
This chapter XXXX occurred due to the actions of this lender. The filing should be removed as it is almost 9 years old and the maximum is 10 years that it could stay.

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