BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-30
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I did as Phoenix Financial Services said on the last CFPB Complaint ( complaint attached ) I called their office to get full number of the alleged account since they claimed I was only giving a partial number. 

This is to formally advise them that I believe this company has violated several of my consumer rights. Specifically : Identity Theft, they should not have any of my personal information. I sent them a debt validation more than 30 days ago tracking # XXXX and they ignored me, also they continued to report a disputed debt to the Credit Bureaus : another FCRA violation Not only they ignored my prior requests for validation of debt ( proof attached : receipt copies or letter copies ) but they continue to report this debt to the credit bureaus causing damage to my character. To whom may concern : ( Letter attached ) Pursuant to 15 USC 1692c ( c ) I am notifying them in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with through any and all mediums. Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Zero out the balance on this account Deletion from all consumer reports. I will reproduce an invoice with Federal violations due to me by your company if you don't comply with my remedy Best Regards XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
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:
Ive sent multiple letters and FTC Reports to Equifax XXXX XXXX and XXXX. All three refused to investigate my claim. Ive told them Ive been a victim of identity theft. They keep saying they verified it. But Ive havent seen anything in writing. The following accounts are All fraudulent. Ive never done business with these companies or entered into a written contract. 
XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: EQUIFAX, INC.
State: OR
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:
Checked my credit reports last night ; do that every so often. Equifax 's report had my residence in a state I've never lived in, and my credit score had dropped 50 points. I have been trying all day to contact them to find out what's going on and why. Can not connect with them. Have tried to go through Oregon Ombudsman, but no answers there. All I want is some answers to some simple questions, but am beginning to suspect my identity 's been stolen. Also am beginning to suspect I live in a third-world nation, and I can't get any answers from anyone. Can you please help me? Thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: LEXISNEXIS
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
on 2 separate occasions i sent Lexis Nexis a certified letter requesting a security freeze be placed on my data. I also called them twice because I never received written confirmation that my request was processed and completed. On both occasions that i did speak with one of their reps they assured me my request was processed and they would send me either a letter in the mail or an email confirming my request was in fact taken care  of. I never received either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: Experian Information Solutions Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 explanation
Consumer complaint received 2021-08-16
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Called by XXXX, told I owed XXXX {$700.00} to XXXX XXXX ( I do not use this energy provider ). Address provided was incorrect. They advised me that someone was likely using my identify and to file a police report, but they also asked for last XXXX of my SSN and mailing address to send physical bill which I gave them. I have since blocked their number. 

Upon looking this up, others with similar experiences have said the company is XXXX XXXX and that it might be a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My PII was stolen and lost due to monumental incompetence and negligence by XXXX. Executives sold their stocks before letting us know, how is that not insider trading? They 're also charging people to take measures to fix THEIR mistake, and now TransUnion is intentionally complicating the freezing process by putting their worthless ID protection in our face and deterring people from freezing. No corporate entity should be allowed to have this much control over this much sensitive information, and all of these execs that knew this was coming need to be locked up.

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 2018-01-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I called Capital One on XXXX/XXXX/XXXX about late fees charged to me in XXXX XXXX and XXXX XXXX. I paid bill electonically from my checking account, but bank delayed both payments. XXXX was duecto holidays and XXXX because the XXXX due date fell on Sunday so Monday the XXXX was the next busiess date. I tried to have fees removed but representative declined to do so,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
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 fraud alerts or security freezes

Complaint:
I have had immense difficulty in trying to freeze my credit with all reporting agencies. After the hack that stole data from XXXX freezing my credit should be free across the board at minimum. XXXX yet, they should automatically freeze all credit until you unfreeze it.

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 2018-01-26
Company: BMW Financial Services NA, LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I leased a 3 series on XXXX/XXXX/17 and setup my online account after receiving my first paper statement to make it convenient for payment scheduling. Then after a few days I received an email for an X1 with someone elses account information on it, I logged in to my account online on XXXX XXXX website and it showed someone elses information on my account and I was unable to locate my car or information there. I have called BMW financial infinite times at XXXX but they keep giving excuses and keep giving me the runaround. Hence I have decided to file a complaint against BMW Financial as its criminal negligence on their part as I being a customer is dedicated to solve this issue and they dont care about it.

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 2017-09-13
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 fraud alerts or security freezes

Complaint:
I have had immense difficulty in trying to freeze my credit with all reporting agencies. After the hack that stole data from XXXX, freezing my credit should be free across the board at minimum. XXXX yet, they should automatically freeze all credit until you unfreeze it.

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 2021-08-16
Company: Winklevoss Exchange LLC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Is this some sort of scam? Absolute joke of a company with no customer service. I have money waiting on a nifty XXXX account that I need to pay my bills and I cant withdraw it as Gemini are not verifying me when Ive done exactly what they asked me to do. I have a mate who waited over a month, I can not wait that long! Absurd

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: Experian Information Solutions 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:
This is an issue with my Experian credit report not reflecting my mortgage or Heloc loans. 

XX/XX/XXXX - Notified via my Experian app that my score dropped XXXX points ; looked at my report and saw that neither my primary mortgage or my Heloc were reporting from XXXX XXXX XXXX ( XXXX ) as usual ; sent an email to XXXX inquiring about this issue XX/XX/XXXX - received email from XXXX that mortgages are in good standing and have been reported ; told to use the credit section of my XXXX app to sign up for credit reporting through " XXXX XXXX '', of which I did not do this since they are not one of the top XXXX credit bureaus ; filed a dispute with Experian ( XXXX ), also filed a dispute with XXXX ( XXXX ) ( No response at all from either company ). 

XX/XX/XXXX - called Experian again and told by Experian that XXXX is not reporting ; that Experian can not assist me ; dispute was useless XX/XX/XXXX - sent email to Experian customer service that they are in violation of the Fair Credit Reporting Act due to their unwillingness to correct inaccurate information XX/XX/XXXX - told by XXXX mortgage representative ( XXXX ) that Experian refuses to report ; told this is affecting all XXXX customers yet the XXXX mortgage services department will not release anything in writing to it's customers and said their legal department is " aware of the issue '' yet no notices were sent XX/XX/XXXX - called Experian again and was told that " what is showing is reflecting what XXXX is reporting '', yet the other XXXX reporting agencies of XXXX and XXXX are both showing my XXXX loans ; Experian refused to assist and refused to file a new dispute. 

XX/XX/XXXX evening- received a call from XXXX mortgage department ( XXXX ) stating they had just received an email that Experian 's reporting should be " turned back on '' by XXXX, XXXX XXXX. 

Both companies are in grid-lock saying it's the other one 's fault. Neither have fixed my report and both have failed to notify customers or respond to disputes for XXXX weeks. I have documented this in writing to both companies. Someone is not telling me the truth.

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 2020-04-27
Company: A.R.M. Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I requested a warranty service call from XXXX XXXX XXXX XXXX XXXX XXXX in California. They performed the service on XX/XX/XXXX for {$75.00}. The service was satisfied in XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX engaged A.R.M. Solutions Inc ( collection company ) to collect the debt for them. I have called XXXX XXXX XXXX XXXX multiple times and have informed me that they show in their records that the amount owed is paid but A.R.M. Solutions Inc continues sending harassing letters to collect on the amount that has already paid. 

Here is their contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX A.R.M. Solutions Inc XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: Winklevoss Exchange LLC
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I established an account using the XXXX XXXX app. This is a XXXX XXXX that allows you to purchase XXXX. Usually after you verify your identity and make a bank transfer, you can then buy XXXX. The funds are then available to withdraw or spend several days later. With most XXXX  exchanges this takes a few days or one week at the very most. 

On the XXXX app ( XXXX XXXX XXXX XXXX XXXX I deposited {$500.00} XXXX on XX/XX/XXXX. On XX/XX/XXXX I purchased XXXX for {$400.00} and XXXX XXXX for {$98.00}. I have tried repeatedly to withdraw these coins to my personal wallet since then. It has been one month. Every time I try to access the funds I see a pop up which says Pending Verification : your account is pending verification. Please check again later. 

I have sent support multiple requests for answers and have not received a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Midland funding at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has been sending me collection notices in the amount of XXXX the collection has been reported as pasted due balance. I do not know This company.this company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I processed an online payment towards my credit card balance on XX/XX/2020 in the amount of {$150.00}. I discovered CitiBank had charged my checking account the entire payoff in the amount of {$1700.00}. 

This has exhausted all the funds in my checking account in arrears in the amount of - {$850.00}. I contacted CitiBank on XX/XX/2020 upon discovering the error. The representative advised CitiBank would reverse the payment and refund the difference of my intended payment or {$1600.00}. I was advised that this process will take 3 - 5 business days. The representative made no effort to explain further, and did not offer to reimburse added fees charged by my bank. 

I contacted CitiBank again on XX/XX/2020. I have been monitoring my credit card and checking account, and there were no changes. The representative on this call was extremely abrupt and disinterested. For much of the call as I asked a question the representative would answer a question I had not asked. I was required to specifically ask my questions over. I received limited information and was advised that the reversal was in process, expected to be completed on XX/XX/2020. 

This morning on XX/XX/2020 I verified no changes on either my credit card or checking account, I contacted my bank. My bank advised there were no pending transactions with regards to a reversal of the {$1500.00}. 

I contacted CitiBank this morning and requested to speak with a Supervisor. I was transferred to " XXXX, '' who refused to provide further identifying information ( Last Name, Desk, Department, Employee ID, etc ). This supervisor advised that the request has been returned from an internal authorization and I should expect the funds within an additional 2-3 business days. 

The supervisor provided no assistance with regard to the Federal Holiday, and the fact that CitiBanks unauthorized debit against my account has caused me a XXXX  balance which will extend for over the holiday weekend and lasting for up to 10 days. She advised there is nothing CitiBank will do to expedite this, nor will they provide any restitution for my funds being erroneously withheld for an excessive amount of time. 

I have been charged a {$30.00} overdraft fee by my bank. I have been without funds due to their error for a prolonged period. I was refused any further escalation of this matter. 

CitiBank has caused me undue harm with their error. 
CitiBank has cost me additional fees from my bank. 
CitBank has offered no escalation process or emergent return of my funds.

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 2019-01-04
Company: ID Analytics, 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: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current address is XXXX XXXX XXXX XXXX, XXXX, OH XXXX. The following addresses are not mine please delete them : XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have attached a copy of my ID and SS for proof of address and Identity.

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 2019-01-04
Company: Innovis
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: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished XXXX XXXX, XXXX XXXX, and INNOVIS inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current address is XXXX XXXX XXXX XXXX, XXXX, OH XXXX. The following addresses are not mine please delete them : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX SQ, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have attached a copy of my ID and SS for proof of address and Identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: WELLS FARGO & COMPANY
State: MA
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:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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