BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance : {$2100.00} ; XXXX XXXX XXXX Balance : {$490.00} ; XXXX XXXX Balance : {$27000.00}.

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 non-monetary relief
Consumer complaint received 2021-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
Initially I opened a car loan with XXXX XXXX then a couple years later that loan was sold to XXXX XXXX. On XX/XX/XXXX. XXXX then at the time considered my loan paid off with them. Now XX/XX/XXXX I get notified that they sold a delinquent loan to XXXX XXXX XXXX XXXX. The account they claimed is delinquent- I have and had zero knowledge of it or ever consented to that. Ive tried calling and sent a letter to them but the line is disconnected and mail is yet to be responded to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: CHECK INTO CASH INC.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
The company advertises personalized checks, which must be pre-authorized. Beginning in XXXX 2015, I have had multiple, multiple instances where the check verification system was malfunctioning. I would often write rent checks on Saturdays, and when the system was n't working I would be told to call back on Monday for technical support. 

I wrote to XXXX XXXX ( former president of XXXX, and XXXX XXXX ( former VP at XXXX ) over the past two+ years. 

After the last incident, I told Customer Service that I would file a complaint with BBB. Subsequently, XXXX has decided to close my account. I have been filing valid reports with them for over two years about a problem with their systems. Their response is to close my account. 

I see from their BBB history that they have a practice of closing accounts when their customer complains.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: Pacific Retrieval LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I received a letter on XX/XX/XXXX from Pacific Retrieval LLC XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX, California, XXXX a collection agency regarding an alleged account # XXXX, Claim # XXXX with a towing company, XXXX XXXX XXXX out of XXXX California who towed a XXXX XXXX XXXX VIN XXXX ( no license plate # provided ) and is alleging I, XXXX XXXX owe {$2600.00} for a tow and storage for a truck I have never owned in my life, the XXXX  XXXX XXXX   and Consumer reports has had 13 complaints about identical fraudulent assertions and threatening, rude behaviors attempting to extort thousands of dollars out of elderly? or vulnerable who are more likely to succumb to threats and found language, being called a liar and a thief, they know they are abusing people for cars we never owned in our life, they settle the cases with the XXXX  however they continue to use the illegal abusive threatening fraudulent and slandering tactics. Clearly they are making money by breaking the law and defrauding vulnerable persons by their extreme ly abusive language and accusations of criminality for refusing to pay for a vehicle we never saw before, this is a huge ongoing scam, search and see on the XXXX  website or Consuner affairs and the Federal Trade Commission.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
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: Credit inquiries on your report that you don't recognize

Complaint:
The following are a list of other inaccurate andor fraudelent inquires on my consumer credit files thal I would request remove from said files XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: Coinbase, Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I was trying to log into my Coinbase account on my laptop, which I had done only one or two other times as I normally use my phone app. After entering my login in credentials there was a message stating that my " Account had been restricted and that I need to call the number provided. '' There was also a chat window in the lower corner. I chose to use the chat to notify customer service that my account was locked. The person on the other end responded and told me that my account had been compromised by someone in OHIO. They asked me to open up the email from Coinbase and request that the IP address City : XXXX, Country : United States, IP Address : XXXX in the email not be authorized on my account. They then explained that a customer service rep would call my phone to walk me through the rest of the restart and unlocking of my account. I received a call from XXXX. I began to get suspicious, so I hung up and I called the phone number on the screen, XXXX. 

When the person answered I asked the individual to verify his employment with Coinbase and he gave me a name to XXXX and find his XXXX account. I started to receive messages via SMS and they asked me to enter those ID number to verify my identity. He then asked me to download a program XXXX, which I already had on my computer. From there he requested access to my computer in order to reset my profile for Coinbase. As he began to clear my cache and then he opened a browser window to open my Coinbase login screen and logged in to my account, I saw the list of withdrawals. I started to strongly question what he was doing and began to get upset. He was trying to reassure me that he was trying to help. I hung up with him. I used a different computer to XXXX a customer service number for COINBASE support, XXXX. 

I immediately chose the option to freeze my account. From there I reached a customer service representative that would not disclose any of my account information or balances on my portfolio. She tried to reassure me that everything was going to be okay and that it was going to take about 24hours to get my account reset and recovered. I repeatedly asked to speak to someone in their fraud/security department and was told she had no way to transfer the call and that they would be sending an email for my to communicate any fraud issues with my account. This company processes billions of dollars of transactions everyday. It is unacceptable that they do not have a fraud department to assist in asset recovery for their customers!! 

On XX/XX/2021 at XXXX I received an email that my Coinbase account was recovered, I immediately logged in and reset my password. ALL of my portfolio both USD and Cryptocurrency was converted to Bitcoin ( {$40000.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 9th 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 alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XX/XX/2022 XXXX XXXXXX/XX/2022

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 2018-01-07
Company: Asset Management Outsourcing, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I suffered from a possible allergic reaction, including XXXX difficulty. Accordingly, a relative drove me to the emergency room at XXXX XXXX XXXX in XXXX, Georgia. 

I incurred {$6200.00} in total charges, offset by an adjustment of {$3600.00} for having no insurance, leaving a balance due as of XX/XX/XXXX of {$2600.00}. 

On XX/XX/XXXX, I obtained a letter from XXXX XXXX XXXX, indicating my approval for 100 % discount from the Georgia Indigent Care Trust Fund, retroactive to XX/XX/XXXX. 

I have shared this letter Indigent Care approval with the billing department at XXXX XXXX XXXX on multiple occasions. 

Nevertheless, the XXXX XXXX XXXX sent the account for collections to XXXX XXXX XXXX. I have shared the XXXX XXXX approval letter with XXXX XXXX XXXX. 

As of XX/XX/XXXX, the charge appears on my credit report from XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: CAINE & WEINER COMPANY, INC.
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 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. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
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: Account information incorrect

Complaint:
All the Credit Bureaus dropped My credit score by over 120 points and didnt give me a full explanation on why, after Ive settled the account that has been the problem, no thanks to anyone because this account was originally fraudulent but everyone wanted to play dispute games, and nothing got resolved, until I received the letter of settlement and i figured this was my only way out, they didnt update the account as paid or settled.NONE Of them try to explain, and now im at the point where they wont answerer for phone for me, at least anymoreXXXX, Equifax, XXXX.you guys need to fix my score to the way it was before so far I have no negative accounts, and you didnt even update none of my current accounts none of you, and on more thing XXXX, I had a fraudulent inquiry and the bank said they sent you a letter so why isnt my inquiry removed? Any negative balances or whatever that you guys recorded from XXXX are now SETTLED.so check your info again and fix the problem, because this wont look good if this become a court case lbs.I have my proof, Ive done the things I needed to do, now its on your lack of urgency and negligence. To all parties involved fix it.Contact XXXXXXXX XXXX, All debts should be resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: Experian Information Solutions Inc.
State: MD
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 called the 3 Credit Bureaus after I purchased a credit report with XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were erroneous items on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/XXXX. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX, and hoping that these items will be corrected. 

XXXX XXXX Balance : {$18000.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-07
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:
IsubmittedmydisputeletterstoXXXXandExperianregardingincorrectpersonalidentifiers,negativeaccountsthatwerenotmineandinquiriesthatIdidnotauthorize.Asoftodaythosenegativeaccountsarestillonmycreditcausinganegativeimpactonmycreditscoreandmyfinancialabilitytoobtaincredit.Ihaveaskedforvalidationofsaidaccountsandhavenotreceivethepropervalidationthathasbeenaskedandrequireswhendisputinganegativemarkononescredit.IhaveasfortheCreditReportingAgenciestoprovideprooffromthefurnisherofsaiddebtsorDELETEfrommyaccountbutIhavenotreceivewhatIhaverequested.ItemsthattheystatebywayofcorrespondencearestillonmycreditandIaskedthattheybeBLOCKEDinaccordancetoSection605BoftheFairCreditReportingAct.IhaveaskeddirectlyforXXXXandXXXXcomplianceundertheFairCreditReportingActtovalidateaccountsorremovethemfrommyreportandtheyhavefailedtodoso.MynextstepwillbetoseeklegalactionbecausetheyhavecontinuetoviolatemyconsumerrightsundertheFCRAandIhavesentseveralrequestaskingforvalidationordeletion.

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 2023-10-09
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07
Company: Navient Solutions, LLC.
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have an issue with XXXX. The payments I and my wife are setup on are mostly manageable. The problem I have is that the plan they have me on does not even cover the interest accruing. Why would they put me on a plan for repayment when the loan is only growing over time? I know that XXXX loans are forgiven after XXXX years. This will leave us with well over $ XXXX in forgiven loans. That seems great but Ive learned that the IRS considers forgiven loans as income and is taxed that way. Why would the government put us on a plan that seems like a great deal only to burden us in our XXXX with a insurmountable tax bill? Anyone that has owed the irs any considerable amount of money knows how terrible that is. Forgiven student loans should not be considered income after paying on them for 25 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Conduent Incorporated
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have received a letter from an unknown entity calling itself GoProgram requesting card information for which I do not have nor hold, my SSN, etc. I do not know this company and I do not have a card with them, yet they say I need to resolve issues with my account- I do not have an account with them. Listen to their contact recording at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This Company placed a collection on my account that resulted from identity theft. 

I wrote to this company and let them know that I was incarcerated and that these debts were identity theft on XX/XX/2023. I sent this letter again on XX/XX/2023 certified to them after 30 days, and now it has been 2 times I have sent the letter attached and no response. 

this time I have drafted an intended lawsuit as this company is ignoring my rights under the FCRA While trying to fix this myself I found out a company purchased my info and had been using it for years since the Equifax Data Breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
About 5 months ago I did a refinance with a mortgage company over the phone ... That process was fine. But they transferred my mortgage to an unknown company to me called PHH Mortgage address : 1 XXXX XXXX, XXXX XXXX, New Jersey ph : XXXX ( XXXX ) XXXX. 
This is when all the problems started. 

My main concern right now is that the way they process payments. I made a phone payment with a rep named XXXX he said they he used my existing card info to make a payment, I got a confirmation number. He said that the funds would be taking out in about 24 hours ... that time has passed and the funds are still in the account. 

I called my bank XXXX and they confirmed that there is no activity for withdraw I have been trying to call PHH to see  what's going on and can not get anybody on the phone and place on hold for 15mins on average. Now this has spilled into my work and I can not stay on hold with them for this amount of time. So now I have to see why the payment did not go through ... and also make sure that they don't make ANOTHER transaction and double charge my account. 

- Web site is very poorly designed, very hard to navigate, they use their own banking jargon that is foreign to me -Payments are not successful, the way the process payments is poor. For example, they have double charged me previously -Very, very difficult to contact during regular business hours you can be on hold for up to 15mins or more, calls drop ... no call backs and they do not keep their word when they said they WILL send documents. I am waiting on a statement to be e-mail that I asked for days ago and still have not got the e-mail. 
-Main problems are : The web-site ( online payments ) Communications - Very difficult to get a rep online I am battling a XXXX XXXX illness and this is giving me great XXXX  because I have to stay on them because there is no protection for the homeowner and they can add charges ... claim that they didn't get my payment. I am not in default with them but I can see it going downhill because of their processes and miscommunications. When I was with XXXX XXXX I never had this problem, took about 2 clicks to make a payment and done! I made this payment on XXXX XXXX ( online ) and still dealing with it. I just want it to be over with, my XXXX payment is coming up and I am getting the same anxiety ... I can not deal with this every month. I am trying to get a larger company like XXXX or XXXX XXXX to buy back my loan. I have been getting up extra early to contact my bank and mortgage company back and forth, missing out on large parts of my day, and XXXX XXXX by the end of it ... But I can not get tired or slip, because things can get out of control. 


Next goals : see the funds transferred get a new mortgage company ASAP!!

Company response to consumer: Closed with explanation