BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-28
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I am beyond upset and puzzled with how you CRA 's agencies break the law or have no concern with following the procedure required to report information. I've talked to lawyers ( several ) and I've even studied the metro 2 data rules you are supposed to be following as well. So your own reporting standard is violated and then you also violate the FCRA. I spoke with the courthouse and they told me - they do not verify any information with credit reporting agencies ; thus, you are in violation of the FCRA and the spirit of the law. You are even in violation of your own Metro 2 data standards. Delete this account from my reprt

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 2022-09-26
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
A stranger XXXX from XXXX XXXX, looking for a rental house in XXXX, She got my contact information from XXXX. I posted a rental unit 2 years ago. She introduce me to invest money on XXXX XXXX and give tips to trade, get the profits. But each withdrawals we're rejected by the XXXX XXXX and the reasons including wind control, Tax and inside trade ect. The XXXX XXXX  only has the customer service department i can reach. They have XXXX XXXX and XXXX XXXX. I have all IPs of them. XXXX XXXX  said their address is XXXX XXXX XXXX in New York. But Don't know which unit number. I keep all the conversation with them. They said they have registered in US government but don't mention under which supervise department. I keep all the proofs transaction on the platform. XXXX XXXX and XXXX are their platform login website. After i paid by wired transfer for Tax and they said i join the inside trade and have to pay a fine usdt {$120000.00} to release all my funds back before coming Wednesday. I am painful and unhelpful Now. Totally i wired transfer more than XXXX in the platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: Midwest Recovery Systems
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company showed up on my credit report trying to report on a title loan through XXXX  XXXX from 2015. It reported as new. Title loans do not go on credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: EQUIFAX, INC.
State: NC
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 tried numerous times to get the credit bureaus to remove fraudulent names and addresses on my credit report, after sending letters and disputing these fraudulent personal information reported on my credit file, XXXX, Equifax, and XXXX still hasn't removed under the fair credit reporting act. The only name that should be reported and showing on my credit reports is as follows : XXXX XXXX XXXX XXXX. The only address that should be reporting on my credit files should be as follows : XXXX XXXX XXXX. XXXX, NC XXXX. All other names and addresses are fraudulent and must be removed, the following are the fraudulent names and addresses as follows : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-18
Company: Fidelity National Information Services, Inc. (FNIS)
State: WA
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 had recently gottten my credit run and pulled by XXXX XXXX and XXXX XXXX XXXX. I was told I am not qualified to open an account due to what XXXX XXXX XXXX XXXX XXXX XXXX  had REPORTED to CHEXSYSTEMS and to the credit companys. 

As soon I was notified of this information I knew it was incorrect and as I am a victim of Identity theft and I have gone through similar problems I knew that this was not me and I had Never banked with XXXX  XXXX XXXX  or XXXX I have been with XXXX XXXX since XX/XX/2004 and my home mortgage is also through them and I continued to stay with them. 

I had contacted XXXX  XXXX XXXX Immediately via phone and I received NO HELP at all in fact I was told an Attorney can contact them if I thought this was Fraudulent. I then went into the Bank at XXXX XXXX in XXXX WA ( new location ) and submitted all my documents which included ID Theft Affidavit, Police Report, Credit Freeze showing proof that my credit is on freeze and alert, Social Security Letter showing that I notified SSA, Federal Trade Commission Report and more. I was rejected again and again. 

I also went into XXXX and gave them all the documents, told them I never banked with them and someone is using my Identity. I was ignored and no one helped. 

I am XXXX XXXX XXXX Employee ( XXXX ) for XXXX as a XXXX XXXX XXXX and my credit, my Identity and my value and worthiness is very important to me. I have had continues ID theft and its very hard for me to stop this without any help even after submitting countless amounts of documents. I am very tired of this and need XXXX XXXX XXXX and also XXXX to please remove me off their ChexSystems and also notify Chexsystems that this is an error on their end.

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 2022-06-16
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Sent pay to delete to company. Now have judgment against me. Could not make it to the court date, filed a motion of continuance, it was not granted, judgement was issued immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: Experian Information Solutions Inc.
State: TN
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 noticed my identity was stolen late last year, I don't know when or whom may have stolen my identity. I'm in my mid XXXX so I am just now knowing about credit and how it works mind you I have never used my social for anything, I have never applied for anything so to see that someone has been using my information was hurtful and made me feel low and vulnerable. I have filed a police report with my local department.These people opened multiple credit cards in my name, obtained appliances and furniture, opened cell phone accounts, and rendered medical service all under my social security number. None of the accounts on my report belong to me I have contacted all the companies that are on my report to no avail. Companies like XXXX  XXXX  for XXXX and XXXX, and XXXX XXXX XXXX for XXXX. I will also be attaching a copy of my FTC affidavit with the corresponding negative 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 non-monetary relief
Consumer complaint received 2021-01-29
Company: Amsher Collection Services, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
AMSHER COLLECTION SERVICES a agency attempting to collect on a alleged medical debt that I have no knowledge of. 

They place derogatory information on my credit report without due process ... .process to include, allowing me the right to dispute this alleged account and I never received any written notice prior to them placing this damaging information on my report as if it were valid when in fact it is not. 

I feel that my rights were violated as a consumer pursuant to the FAIR CREDIT REPORTING ACT. 

The original creditor is : XXXX XXXX XXXX..alleged amount $ v XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: U.S. BANCORP
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
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 recently started a new lease with US Bank But due to some Bank error, I was not receiving statements. A Rep from US BAnk even confirmed that to me in an email as you can see attached.

The bank error caused me to be late on one payment that is currently already paid But no matter hao many times I try to reach ou to US Bank they are refusing to provide me proof that the statements were sent to me even after I was clearly confirmed that no statements were sent. And they refuse to remove the late mark from 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 explanation
Consumer complaint received 2019-05-31
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a notification through my credit monitoring service on XX/XX/19 that Citibank had performed a credit inquiry which I had not authorized, dated XX/XX/19. I disputed the inquiry with XXXX on XX/XX/19, and on XX/XX/19, XXXX advised that they would not remove the inquiry without Citibank 's approval. I contacted Citibank on XX/XX/19 using the phone number provided by XXXX. Citibank advised at that time that the account had been closed as a fraudulent application, and I would not receive a card or bill in the mail. On XX/XX/19, I requested a fraud alert through the credit agencies. On XX/XX/19, I received an unsolicited Best Buy credit card in the mail from Citibank. On the same day, I sent them a letter provided by the FTC outlining the situation and requesting confirmation within 30 days that the situation had been resolved. On XX/XX/19, a Citibank credit card appeared on my credit report with a balance of {$2300.00}. On XX/XX/19, I received a second Best Buy credit card, with a new card number. On XX/XX/19, I contacted Citibank again, who advised that the account had not been closed or marked as fraudulent ; they then claimed that it had been closed " properly '' and forwarded to their fraud team. On XX/XX/19, I received a bill from Citibank in the amount of {$2300.00}, along with a letter saying the amount had been disputed and did not need to be paid. No further confirmation has been received from Citibank confirming that the unauthorized charges have been removed, or that they will no longer attempt to collect on the fraudulent balance.

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 2021-01-29
Company: Phoenix Financial Services LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Phoenix Financial Service placed a collection on my credit reports in XX/XX/2020. I was confused as I do not owe anyone money, so I called to inquire. They stated it was from a medical bill from XXXX XXXX XXXX, but I have not lived anywhere near that hospital nor been to it in over 10 years and Phoenix said they did not know the date of service or any other details- that is the first illegal thing. I was interested in settling the debt, but was then told by Phoenix that they sold the debt, but they couldn't find out who they sold it to in the system. I spoke to three different people and none of them could tell me who owns the debt or how to pay it. How can I possibly get something off the credit report if the creditor can't even tell me how or to who? Also illegal. Lastly, I was told that they had the debt for several years ( yet didn't report it until 2020 ) and, " Don't worry, it will fall of your credit soon since it's so old ''. Completely unprofessional and was also a lie, since it is still on there 5 months later. Disputed with XXXX  and it was denied, so they obviously received different information than I have. I have never received any written communication from Phoenix either, before the collection or since I found out about it, which is also illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: GREAT WESTERN BANCORP, INC.
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A couple of months ago I need a one-time transaction to pay my premium to a phone insurance company called XXXX XXXX XXXX.This is the only interaction I've ever had with this company as my phone insurance is deducted for my phone company and not the actual insurance company. So to be clear I've given the phone insurance company my card number one time to pay the deductible. Over a month later I was been charged {$210.00} without my knowledge by the same company. I do not have any kind of contract or agreement with this company and I certainly did not give them permission to keep my card on file or ever use it for any other transactions again. They are claiming I did not send back the original phone however they provided the envelope the tracking and I simply put the phone in the envelope and sent it. My bank is now refusing to return the money to me claiming that I have a contract with this other company. I have asked numerous times to see the proof of how or when I authorize this charge and I'm not being provided with anything.

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 2020-09-10
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In XXXX, JPMorgan Chase, issued an account blockage due to an incorrect NAICS code entered on my account, Issue was resolved and I was told account was now unblocked. 

XX/XX/XXXX, Chase again blocked my account, without contacting me for missing KYC information. On XX/XX/XXXX, I contacted chase and was told the account would be closing at midnight on the XXXX, at this time I have yet to receive an update on why this was done without first contacting me and attempting to get me into a branch. 

This is my business banking account, and as such is now impeding the operation of my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XXXX XXXX. I was alerted through my email that my credit score had dropped that my credit rating had changed from Good to Fair. My score was XXXX it dropped 33 points to XXXX. As of today on XX/XX/2020, it had dropped again. Making my score XXXX. I have been dealing with this company for at least 7 years trying to solve this myself. Every time i get close to XXXX score arrange is drops drastically for no reason. I believe my information has been exposed to hackers and I can't get no information if my personnel information has been exposed .The company is Experian. They have a branch in XXXX XXXX, Ca XXXX. Their address is XXXX XXXX XXXX, XXXX XXXX, Ca XXXX. I do believe at this branch my information has been EXPOSED. I had spoken with customer service and they had told me I had to seek legal advice.

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 2018-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
This car was stolen on XX/XX/17 and the insurance company was in the middle of sending XXXX XXXX   there money to pay this car off. The car was gone for over thirty days and I got another car. This needs to be remove a negative payments.

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 2018-09-18
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
after finally having the money to meet and retain my attorney and being able to file all the proper police reports and federal reports equifax has not honored my identity theft packet. the XXXX and XXXX company both have investigated and deleted all contested accounts but equifax has not. there is no other way for me to prove my identity was stolen. I have done everything according to the law to restore my name, however equifax is the only reporting bureau that has not corrected my record. I have sent proof of my address at the time these purchases and accounts were created. please remove the creditors listed on my FTC report and police reports, and also this unvalidated bankruptcy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-22
Company: Capio Partners, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Capio Partners indicating I had a 7 year old medical debt. This debt is not mine and I have no record of this debt whatsoever. The amount in question is {$1000.00}. 

I filed a formal dispute with Capio via certified mail and have yet to hear back. In the meantime, they added the debt to my credit report without providing any proof of the debt. 

This has negatively impacted my ability to access credit and will end up costing me thousands of dollars.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-08
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am not going to pay back a for-profit school that was found guilty of fraud, when I can't even find employment in my field for my degree.  I have paid back over 5,000 on XXXX and I still owe over 30,000 due to interest. Navient, the beast, has taken my tax return and ruined my credit. This system is a trap. I'd have been better off not going to the XXXX XXXX XXXX XXXX in the first place, but my mom pretty much forced me and signed all the papers herself when I was XXXX. I didn't have a choice in the matter then, so I'm pretty much screwed for life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 60 Day demand to comply sent XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: WELLS FARGO & COMPANY
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:
I AM VIITIM OF AN IDENTITY THEFT, THE WELLS FARGO ACCOUNT ON MY XXXX  CREDIT REPORT IS FRAUDULENT, I HAVE SENT NUMEROUS TIMES MY IDENTITY THEFT REPORT ALONG WITH MY PERSONAL STATEMENT AND MY ID CARD. THE CHARGES ON THAT ACCOUNT IS FRAUDULENT, I HAVE NEVER REQUESTED TO HAVE A SECURED CREDIT CARD FROM WELLS FARGO. AGAIN, I MA VICTIM OF AN IDENTITY THEFT,

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 2020-01-23
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened. I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
THE INQUIRIES DISPUTED ARE DUE FOR REMOVAL OFF MY REPORT. I DID NOT AUTHORIZED TRANSACTIONS MADE BY ME.

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