BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-18
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Collection by SUNRISE CREDIT SERVICE was generated in XX/XX/XXXX, for an XXXX XXXX XXXX balance of {$300.00}, which arise from an identity theft incident that leads to the cancelation of XXXX XXXX XXXX services and the reversal of all charges. The balance was fully reversed in XX/XX/XXXX, however, XXXX XXXX XXXX charged subsequent services after the account was closed for the amount of {$300.00}. XXXX XXXX XXXX then transferred the balance to 2 debt collectors including SUNRISE CREDIT SERVICE. The other debt collector has already closed this case, and SUNRISE CREDIT SERVICE has not. SUNRISE CREDIT SERVICE continues to harass me with calls from masked phone numbers and refuses to close the collection.

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 2020-05-09
Company: First Financial Resources, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: Lending Club Corp
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please help CFPB and take this seriously, there is derogatory information that is being reported on my personal credit file that is wrong and is making it difficult to find traditional work and secure credit. I have an unverified account from LENDINGCLUB showing a charge off of {$0.00} from 2011 with $ XXXX monthly payments. I have brought to the consumer credit bureau 's multiple times. They are also reporting that any potential employer is responsible to place a payroll deduction to collect this debt. I had previously disputed this account. I have never done business with LENDINGCLUB. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that LENDINGCLUB provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that LENDINGCLUB   Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-18
Company: Jon Barry and Associates, 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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I do not recall opening an account with PNC Bank in or around XX/XX/2016 for the amount of {$770.00}. The bank put my on a negative XXXX list and it makes it difficult to open a bank account with other institutions. I believe I was the victim of identity theft as there have been many credit breaches within the last ten years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: JPMORGAN CHASE & CO.
State: MA
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:
Today I received the attached my second attempt to receive the accurate and complete records on this HELOC but once again I got falsified documents showing that not only is Chase claiming I made a full year additional payments when I didn't but also reporting it to the credit bureaus. Attached is XXXX XXXX being given fake payments I never made. I stopped making payments on that the end of XX/XX/2017 and can prove it with my bank statements when we get to court on this banking fraud. Presently JP Morgan Chase Bank NA is planning on selling my home with an obsolete primary mortgage and now trying to add this account to it, This account THIS COMPLAINT is for has never been sent to me any foreclosing or default notices, or anything else in attempts by Chase to try and add it to the illegal foreclosure presently attempted on my home. THIS IS A NEW ISSUE OF BANKING FRAUD FABRICATING PAYMENTS I NEVER MADE AND REPORTING THIS FALSE INFORMATION TO THE CREDIT BUREAUS. CFPB NEEDS TO INVESTIGATE this FRAUD!!!!! see attached i marked the transaction history sent to me with fake payments marked off by a big x on both sides. see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I first found this bill listed on my credit in XX/XX/XXXX by the company XXXX. I mailed a request for debt validation the same month, which was returned to me because the company refused delivery. I mailed another request for validation in XX/XX/XXXX and received a letter from XXXX with an attached final bill from XXXX from the months of XX/XX/XXXX through XX/XX/XXXX. I contacted XXXX in XX/XX/XXXX and filed a fraud complaint because I had no knowledge that the account was opened in my name and was XXXX from XX/XX/XXXX through XX/XX/XXXX. I received no response from XXXX, however the debt was removed from my credit report from all three major reporting agencies shortly after. 

On XX/XX/XXXX the same debt reappeared on my TransUnion report, but the company reporting it is XXXX. I sent a request for validation in XX/XX/XXXX and received the same invoice that XXXX sent. I made a complaint to CFBP last week that XXXX failed to validate the debt with any contract that included my signature or any other information that I requested. XXXX responded to the complaint with the same letter that was mailed to me that included the same invoice.

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 2021-08-18
Company: EQUIFAX, INC.
State: PA
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 have submitted an identity theft report and I have disputed the account listed as XXXX/XXXX/XXXX  with account number XXXX on my credit report for almost a year now as fraud. This credit reporting agency and the listed company continues to report this account on my credit report without an explanation as to why or obligation. Whenever I dispute this account, different information associated with the account is reported and/or it is removed and then put back on to my credit report which is illegal. This account is not my obligation and violates my consumer rights which include and are not limited to 15 usc 1681 b ( A2 ), 15 usc 1681ae, 15 usc 1692b, 15 usc 1681b, 15 usc 1692j, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f. Each violation can be monetized. This credit reporting agency continuing to allow this account to report on my credit is also illegal and violates my consumer rights and I plan to now take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Experian Information Solutions Inc.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Experian is reporting fraudulent activity on my account. I disputed the items, debt a certified letter with the proof they asked for and called them. They are still reporting the fraudulent activity even after I submitted my Driver 's license, FTC affidavit and explanations on how my identity could have been stolen. My driver 's license was stolen in 2018 and my email was hacked, along with my information at a hospital. Theives have my name, SSC #, email address and DOB.

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 2018-04-13
Company: SUNRISE CREDIT SERVICES, INC
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I was a former returned student at XXXX college in XX/XX/XXXX and I was misled and scammed by the college " in-house '' fees. I attended one or two classes for the winter semester of XX/XX/XXXX but I had to stop working and go back on XXXX. I informed the school on several occasions that I have been on and off of XXXX since XX/XX/XXXX. The college not only misled me with promises of charges upon completion if warranted would not show up on my credit report until graduation. When I first started in XX/XX/XXXX with XXXX they added over {$20000.00} in loans but recently sent my a fee for {$5000.00}. I have only completed a year of credits that are not even recognized by another school to transfer. This school is ripping people off and putting students in financial hardship while students are on XXXX while harassing me and threatening to take my assets. I have a bill they are charging me for that was not reported to the Federal government. They make a financial gain off of the students by putting them into large amounts of debt. The college is very expensive, not a recognized/reputable college and always being investigated. I was XXXX XXXX and going into financial hardship with the out-of pocket fees. My credit report with the bogus fees and loans has damaged me from finding an apartment. This is absurd that I am constantly harassed and I am being threatened by the school to take my non-existing assets.

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 2021-08-18
Company: Coinbase, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I have been locked out of my account for the 2nd time in as many years with no explanation, contact or support. I tried opening support tickets and all were auto-closed. The last email/ticket I created on XX/XX/XXXX was ignored to date but may still be open with zero response. There is no phone number, email is ignored and tickets closed, i have no way to contact anyone. I filed a XXXX  complaint which was also ignored.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-01
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Our loan servicer ( Nelnet ) was derelict in administering our loan. Their records incorrectly cited the student graduation date on our Parent Plus loan as XXXX. In reality, the student graduated in XXXX, leading to a nine-year deferment. All the while, the loan accrued interest. Student/parents were notified correctly of several other loans which are being paid without error or delay. Nelnet claims it began notifications in XXXX. How Nelnet arrived at the XXXX date when the loans were incorrectly listed as deferred until XXXX remains a mystery. Since we reached out to Nelnet in the past month, they have successfully called twice and emailed once with the same information they have had all along. In fact, the only reason we reached out to them at all is that the loans suddenly turned up as a ding on our credit score. Otherwise, this probably would have gone on until XXXX. Dealing with Nelnet has been fruitless. They can not explain how the loan was deferred for nine years nor why there was no notification. They simply say there is nothing to be done. Our first call to Nelnet was placed on XX/XX/XXXX. We spoke to XXXX ( badge # XXXX ). We waited 14 days for the result of " research '' being conducted as instructed with no return call. Our second call was placed on XX/XX/XXXX. We spoke to XXXX XXXX. ( that is all the information she would supply ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: Experian Information Solutions Inc.
State: MD
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:
compliant abount Experian credit.reporting wrong information on my credit report. 
I was turned down for refinance because Experian gave wrong information. 
I complaint to company to send documents, never send them.i called company, they are turning right information, but Experian is reporting wrong information. 

the company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, co XXXX or [ XXXX ] XXXX account # XXXX.never miss payment or late.

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 2019-01-18
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I went through court ordered mediation in XX/XX/2013 with PennyMac. They approved the refinance but illegally added over {$6000.00} dollars in legal fees and sold off my account to XXXX. This has increased my monthly payments and the low finance rate they promised. This has affected the total amount owed and made my debt to income rate artificially higher. I want to request that a qualified written request be done immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
-Applied for the Double Cash Rewards credit card from Citibank on XX/XX/XXXX.

-I had my credit frozen so I had to speak with a Citibank representative after unfreezing my XX/XX/XXXX credit report.

-I received my card on XX/XX/XXXX. I quickly activated my card via the Citibank website and verified my identity using a text message code sent to my mobile phone. 
-I tried to activate my card for XXXX that same day, but I was asked by Citibank ( through XXXX XX/XX/XXXX ) to call for verification. I did not call that night due to how late it was. 
-I called today, XX/XX/XXXX and spoke with a representative who after taking several identifying bits of information, told me that unless I had a landline they could use to confirm my identity they would have to send a letter to my address to verify who I was. The representative assured me that this would only be for XXXX XXXX. After speaking with the representative, I checked my Citibank mobile app and was greeted with a message that directed me to contact Citibank Customer Support ( after just hanging up with them ). I called back and spoke with a different representative ( who asked me the same identifying questions ) and he told me that message was solely meant for XXXX XXXX and that I would be able to use my card normally for in-person and online purchases. 
-I tried to use my card at a restaurant twice and both transactions were declined. Upon calling Citibank customer support back, I was informed that ALL card transactions would be blocked until I verified my account via the verification letter. Even though I had only had my account less than two weeks and activated the card through all necessary steps I was still somehow flagged for this archaic security process. I wanted to share my experience so that others would know what to expect from Citibank.

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 2018-06-20
Company: Coinbase, Inc.
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2018 I was locked out of my Coinbase.com account. This happened for no reason and I have called the company multiple times with no resolution. Coinbase customer service themselves admitted that it was a " mistake '' and shouldn't have happened. However, 4 months later my account is still locked and they will not unlock it. I can't even speak to anyone other than a general customer service rep who states the same rehearsed lines. I have called them 5 times, emailed numerous times and can not get any form resolution to my problem. My {$3900.00} dollars has been locked up, or may be gone completely, they can't even confirm, for over 4 months with zero help from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to submit a complaint in my personal credit report information that is questionable. I would like to dispute certain inaccurate information in my file which I believe is possibly an Identity theft and it was deleted from other bureaus. 
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-05-01
Company: DISCOVER BANK
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I paid for an online school called XXXX XXXX XXXX XXXX XXXX ( XXXX ) with my discover credit card. Due to the pandemic, health-related, and facing hardship I was unable to finish the course with XXXX and XXXX refused to refund the money I paid even though I never received what I paid for. I submitted a chargeback with Discover card and Discover went in favor of XXXX leaving me responsible for the balance of over one thousand dollars, I've explained to Discover over and over that I have a medical letter excusing me from this school and also have provided proof of hardship, per consumer law if XXXX is refusing to refund my money, Discover card needs to step in and refund my money but Dicover is refusing as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
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 have a loan with 5/3 BANK NA, XXXX XXXX ( Original Creditor : XXXX XXXX  ), and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX XXXX, 5/3 BANK NA, XXXX XXXX ( Original Creditor : XXXX XXXX ), and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 would like a detailed explanation of how the disputed accounts with XXXX and XXXX XXXX were investigated and validated within 15 days of this request. I disputed accounts with XXXX and XXXX XXXX with the credit bureau. I also submitted a request directly to the company demanding validation of the debt. The creditor has failed to respond to my demand of validation and is therefore illegally reporting the account information. The FDCPA prohibits any company from engaging in collection activity for any debt they can not validate. If XXXX and XXXX XXXX XXXX the XXXX XXXX XXXX were unable to validate the debt with me I find it very difficult to believe they complied with the credit reporting agency.

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