BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-28
Company: EQUIFAX, INC.
State: TN
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 was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX  XXXX  Finance/Personal XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

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 2019-10-22
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a car accident where a women run me over, i used to have an attorney And he Did a deal with the hospital that I had to pay US {$4000.00} for the entire bill because the total amount was around US {$470.00}. I have the letter from XXXX and the insurance that they did paid, the accident was on XX/XX/XXXX, and I was in ther from XX/XX/2018 to XX/XX/2018 I sent the company all of this but they didnt care and submitted that anyway.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-20
Company: Velocity Portfolio Group
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dear VELOCITY : Kindly provide validation regarding information transmitted to credit reporting agencies for me, with regard to the asserted account XXXX. Since reporting errors may be in the account history, I hereby request that your company send such validation within a month of receipt of this request. This request is for more than just a review without detail. Rather I have demanded a formal audit. Should you not be able to provide such lawful documentation during this reasonable period, any information communicated by VELOCITY to the credit bureaus should not be deemed truthful and may bespeak your disregard for consumer protection statutes. Should this be the circumstance, please DELETE this account. 
I offer my sincere gratitude for your assisting with this circumstance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : BK OF AMER Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$110.00} Reason : Identity theft Please remove it 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 2018-06-13
Company: CCS Financial Services, Inc.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection agency Credit Collection Services collecting on a fraud Debt that does not Belong to me for {$100.00} File number XXXX and i request a cease and desist collections on this disputed fraud amount that does not belong to me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
On XX/XX/2018 I was unable to access my XXXX exchange account. XXXX is a widely used cryptocurrency exchange in the USA and if FDIC insured. XXXX 's parent company is XXXX. 

On XX/XX/2018 I got the error message " An error occurred. Please contact XXXX support '' after trying to log into the exchange. 

After this, I called the XXXX support line : XXXX ( XXXX ) XXXX. I spoke to a representative and was told there's some kind of security flag on my account. They gave me a case number and said a " specialist '' will need to look into it.I got no specific timeframe in which I could access the exchange again or any reasoning as to why I can't access my funds.

I have a large sum of assets on XXXX that I can't access. I can't wait for days or weeks for this to be resolved as I have bills to pay and I was planning to sell some of my assets on the exchange as I have attained a substantial return on my investments, mainly from the ethereum asset. Reading other stories like this it seems the resolution time for things like this can take weeks or even months. I've been a loyal Coinbase customer for over 2 years and never had this problem. I'm really worried and I'm having trouble focusing at work as I have a large sum of my net worth tied to the exchange. 

I want access to XXXX so I can move my coins to a secure wallet and have them in my possession. 

I've attached attachments of my transaction history to XXXX, as well as the email exchange with XXXX and the error message I am receiving. And also an XXXX spreadsheet detailing my ethereum transactions on Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX**** ; XXXX XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX ) XXXX** ; XXXX XXXX ( Original Creditor : 12 XXXX ) XXXX** and XXXX  XXXX XXXX** The accounts were never past due, I never made a late payment to this company ever  please change this, I have a good relationship with these companies.

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 2018-12-20
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Attached is the documentation detailing the fees that were charged due to the returned checks. A total of {$120.00} was charged. 
I am also attaching the letter I received from BMO Harris requesting supporting documentation for reimbursement.

I received a letter from BMO Harris dated XX/XX/2018, that it has decided to close my bank account. The letter does not include any explanation why my account will be closed. 

I received a letter from BMO Harris dated XX/XX/2018, that I confirmed that there was no fraudulent activity and BMO Harris removed the restrictions from my account after my confirmation. In this letter, BMO Harris apologized for restricting my account without me being informed, and requested supporting documentation for fee reimbursement because I was charged {$120.00} due to BMO Harris 's action.

Both letters are from the same Fraud Management and Enterprise Authentication department. 

As the XXXX XXXX letter confirmed, there was no fraudulent activity, and BMO Harris 's mistakes ( Changed my name in the bank file and my account, froze my account without any notification ) caused this situation. 

As the XXXX XXXX letter came after the XXXX XXXX letter, I would like to ask whether BMO Harris will still close my account even after it learned and confirmed that there was no fraudulent activity. 

If it will close my account nonetheless, I would like to request an explanation from BMO Harris why it will close my 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 monetary relief
Consumer complaint received 2018-06-12
Company: HOVG, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt was supposed to be from XX/XX/2003 15 years ago the amount of this that is {$310.00} dollars that was passed over to a debt collector and that on my credit report that I need it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: Experian Information Solutions Inc.
State: NJ
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 HAVE " 7 '' HARD INQUIRIES ON MY EXPERIAN CREDIT REPORT. I AM REQUESTING THEM ALL TO BE REMOVED

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 2021-07-16
Company: EQUIFAX, 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:
XXXX, Equifax and XXXX are reporting 3 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: REGIONS FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I opened my regions account on XX/XX/XXXX. 
I dont have another bank account there. They only report account openings when a bank account is in your name. My credit report shows 2 bank accounts when I only have 1 bank account and debit card. Temporary cards are not reported to your credit so they must have opened an account fraudulently when they gave me a XXXX debit card. On XX/XX/XXXX a new bank account was reported.

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 2020-07-03
Company: EQUIFAX, 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:
There are several items reporting incorrectly on my credit file. Please remove the following items : Incorrect Personal Information : Names : XXXX, XXXX, XXXX ( XXXX ) Names : XXXX, XXXX, XXXX ( XXXX ) Names : XXXX XXXX ( XXXX ) Names : XXXX XXXX ( XXXX  ) Names : XXXX XXXX ( Equifax ) Address : XXXX XXXX XXXX XXXX ( XXXX  ) The following accounts are reporting inaccurate credit status : XXXX  - Date Open : XX/XX/XXXX ; Bal : {$0.00} ; I was never late ; ( XXXX, XXXX, Equifax ) XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$0.00} ( XXXX, Equifax & XXXX  ) The following accounts is reporting as a result of Identity Theft or Fraud : UNKNOWN - Date Opened : XX/XX/XXXX ; Bal : {$160.00} ( Equifax ) XXXX XXXX  - Date Opened : XX/XX/XXXX ; Bal : {$0.00} ( Equifax ) UNKNOWN - Date Opened : XX/XX/XXXX ; Bal : {$220.00} ( Equifax )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: Direct Recovery Services, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Direct Recovery Services LLC. I have received multiple calls from different numbers from this company. The same company recently contacted an acquaintance of mine and left a voicemail stating they were escalating the issue pertaining to a debt owed. When I attempted to call the numbers the associates on the other line were extremely rude and cursed and became irate when I would not confirm my identity. The associates would scold me and say I am not the one in control and refused to give me a mailing address to send a cease and desist letter. I also expressed they were not to call my number again. Each time I requested a physical mailing address they would hangup on me. They are attempting to collect a debt that they have not validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: Hirshberg Acceptance Corporation
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the numerous written requests, the inaccurate account listed below is still reporting on my credit report in violation of Federal Law. They failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my efforts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here is the account that needs to be removed : MODERN FINANCE CORP - 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 explanation
Consumer complaint received 2019-09-11
Company: AES/PHEAA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have previously utilized CFPB assistance ( complaint number XXXX ). At this time, I am continuing to have struggles communicating with FedLoan Servicing. They have removed letters from my paperless inbox and have not responded to my multiple requests to return the communications which have occurred around public service forgiveness. Please help me to compel Fedloan Servicing to stop deleting their communications with me. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REPEATEDLY CONTACTED ZALES AND TOLD THEM THIS IS NOT MY ACCOUNT. I HAVE SENT LETTERS AND DISPUTED MANY TIMES.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: Pinnacle Credit Services, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted Pinnacle to resolve a past due debt. The original debt is from a XXXX bill of {$500.00} from XX/XX/XXXX. I tried to arrange a pay for delete but Pinnacle informed me they do not offer a pay for delete option. They are reporting that the debt is from XX/XX/XXXX. The woman on the phone indicated this is when Pinnacle purchased the debt, not when it was originally first delinquent. This debt has been re-aged and should be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Harris & Harris, Ltd.
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We have received repeated robocalls from Harris & Harris regarding somebody's debt. We are a home office managing multiple companies and do not give out employee information. I usually hang up on these type of calls, but they have called about six times in the last six weeks. I called back and formally requested that they stop doing this two weeks ago. I was told they would stop. Despite this, they have called back two more times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05
Company: Nelnet, Inc.
State: VA
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:
My private student loan from XXXX University XXXX XXXX XXXX was serviced by XXXX for over 10 years. It was recently was sold to XXXX and now XXXX XXXX. I noticed that when the servicing was transferred my student loan payments began increasing despite making on time payments for 10 plus years. The principal balance is about $ 60K. I went from paying ~ {$700.00} per month to now, I looked at my XXXX account and the monthly balance due is now {$800.00}. I have noticed that the interest rate keeps climbing significantly and I am not sure why. When XXXX serviced my account the interest rate did not fluctuate and if it did, it was very minor. Now every month, I am asked to pay more and more despite the fact that the principal balance is shrinking. I want to know why all of sudden the interest rate is fluctuating so much. Is there a limit to how much interest can be charged? Also, XXXX has not uploaded my 10 plus years of payment history to my account. There are no records in this regard. 

I would like my payment history added to my account and an explanation as to why my interest rate keeps climbing. The interest rate is now 5.77 % and when XXXX serviced the loan, it was under 5 %, probably around 3-4 %. I would also like my due date extended giving these outstanding issues. I have been paying my student loans for over 10 years ( on time! ) and since XXXX took over and now XXXX my payments are increasing rather than decreasing. I find this very suspect. There is also no pay off statement which I thought was required by law. Please investigate. I have also lodged my complaint with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Works & Lentz, Inc
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I noticed I had a negative mark on my credit report on XX/XX/2019 involving a medical debt that was being handled by Works & Lentz , Inc. of XXXX XXXX, OK. I have never received any notice via phone or written communication of this debt from Works & Lentz , Inc. Upon further investigation with my insurance company and the provider, a claim had never been filed and I had not received any bills due to error in my address on file. The claim has now been submitted and I was advised to notify the debt collection agency that the debt was now in process of being resolved. Upon calling Works & Lentz and  explanation of events, they wanted my contact information to now notify me of the debt. The individual on the phone also wanted our insurance information and DOD number even thought they are not the ones filing the insurance claim. I promptly ended the phone call at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: ALLY FINANCIAL INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I had a lease with Ally financial on a XXXX XXXX XXXX XXXX XXXX that I traded into XXXX XXXX and obtained a new lease through XXXX XXXX for a XXXX XXXX XXXX XXXX Ally at first reported i owed a balance and was 30 days late to a XXXX lease payment which was incorrect and impossible since I didnt even own the car any longer. 

I disputed the account 3 times through experian and have open disputes with the two other bureaus since Ally reported my account with them closed, paid but still show I was 30 days late. I have NEVER paid my lease late, ever. Its impossible that I could have been late in XXXX since the vehicle was turned in on XX/XX/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 explanation
Consumer complaint received 2021-07-16
Company: EQUIFAX, INC.
State: NJ
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:
REQUESTING EQUIFAX TO REMOVE " 4 '' HARD INQUIRIES FROM MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: Credit Control, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS COMPANY HAS BEEN CALLING MY NEIGHBORS PHONE HARASSING THEM ABOUT A DEBT THAT IS NOT MINE. XXXX IS CHARGING FOR EVERYTHING BUT WHAT I ACTUALLY OWE THEM WHICH IS NOTHING. XXXX TOOK ME THROUGH XXXX VIA THEIR ONLINE SERVICE.I SIGNED UP TO BE A CUSTOMER ONLINE AND IT WAS A DISASTER. THEY SENT ME 4 SIM CARDS ... HAD MY PHONE NUMBER MESSED UP 3 TIMES. I HAD TO GO IN THE STORE AND TRY TO GET THINGS STRAIGHT. IT WAS A MESS AND NOW THEY HAVE SENT HIS COMPANY OF LIARS AND THIEVES AFTER ME TO HARASS MY NEIGHBORS AND ME ABOUT AN AMOUNT THAT I DO NOT OWE!! MY NAME IS NOT EVEN CORRECT. MY NAME IS XXXX  ... .I NEVER SHORTEN MY NAME. THAT IS DISRESPECTFUL. STOP HARRASSING ME AND MY NEIGHBORS

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