BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-04
Company: EQUIFAX, 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:
Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under XXXX. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Has as 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is an accurate.

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 2023-01-04
Company: FISERV INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
The IRS issued me the XXXX XXXX of {$1400.00} through XXXX XXXX Money Network prepaid card. The card was stolen. The thief withdrew the entire {$1400.00}. We kept calling IRS for about XXXX XXXX and were finally told to contact Money Network. 
We raised a dispute for the transactions, and Money Network resolved the disputes in our favor. They sent us a letter stating that the " Merchant Had Credited the Transactions Back to Our Card '' We were glad the dispute was resolved, but our balance keeps showing XXXX XXXX was put back on the card, but it does not reflect on the card balance. We have made numerous attempts to contact Money Network and XXXX, but we are being bounced from one dispute representative to another.

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 2022-11-30
Company: EQUIFAX, INC.
State: LA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
XX/XX/XXXX this year i called BMO Harris Bank Cash Back credit card to order paper check for the negative amount of {$190.00} ( see attachment ) / Female named XXXX took my request and assured me that i will receive the check within 7-10 business days. Today is XX/XX/XXXX and i still don't have not check neither money on my credit card balance. 
I think that this bank uses on me it's fraud-like practice again. 
Please force them to give me my money.

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 2017-12-22
Company: STEWARD FINANCIAL SERVICES LLC
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:
I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I do not recall authorizing.

Company response to consumer: Untimely response
Consumer complaint received 2022-10-04
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX mail sent to Experian XX/XX/XXXX was ignored which is a violation of U.S. Code 1681 ( a ) ( 1 ) ( A ) which states if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. - Experian refused to investigate although new information and documentation was sent to them regarding there being two different credit collectors attempting to collect on one account. 

I advised Experian of the second violation of the Fair Debt Collection Practices Act 15 U.S.C. 1681a Section 623 ( a ) XX/XX/XXXX stating the original creditor provided them with inaccurate information/fraudulent fees and charges and Experian did not complete a thorough investigation. Experian allowed the company to deduct fees for which they could not prove I owed off of the total balance but failed to investigate all fees listed in the dispute I sent to them. 

Experian has violated The Fair Debt Collection Practices regarding these accounts and my dispute requests more than five times in the past 120 days and continue to do so.

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 2018-07-22
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have made many attempts to contact this company with no resolution. I get transferred to various depts, however no one is able to assist. I have tried to explain to the company that when a consumer utilizes the online option to request a payday loan, the system automatically thinks you are asking for not only a payday loan, but also an installment loan and there is a hard inquiry done on your credit report. When I tried letting them know I did not ask for an installment loan they continue to tell me I did request one, when in fact I had not. I have tested this numerous times and it continues to occur. My credit has 2 hard inquiries from this company which I did not consent to. One was done on XX/XX/XXXX and the other one XX/XX/XXXX. I have filed complaints and to no avail. They insist I applied for an installment loan and a pay day loan which is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22
Company: NCC Business Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company is asking me to pay an account established at XXXX XXXX XXXX XXXX, in XX/XX/2017. I live in XXXX Ga and have already filed a case of Identity theft with the police and consumer credit reporting agencies. I contacted them on several occasions to ask for the proof the account is mine, or to verify their legal right to collect. 
I want to file this compliant because, they are purposefully misrepresenting information, either way its being done to harm my name and reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Coinbase, Inc.
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I changed my physical phone and phone number associated with my Coinbase account and did not change my information over prior to making the change. I've been trying to contact Coinbase and they have been unable to help me for two weeks now via email as they do not have any live customer support. They've told me there is a process for fixing this and regaining access, but every time I try their recommendation there is either a step in the process that is not possible or impossibly unclear instructions. I've provided all of my verification information multiple times including the same ID that was used on the original account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-14
Company: Credit Karma, LLC
State: AZ
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 logged into my credit Karma account, and while I was online, tabs that are to show my accounts, data etc actually showed accounts that were not mine. I couldn't see my mortgage, loans or credit cards I currently have. I actually saw a completely different set of accounts. As if I were in someone elses account. With the cyber breach most companies have had, I'm really worried their system has been hacked or is incorrectly displaying my data to someone else as I got to see someone elses accounts, data etc all via my normal access that I use to log into credit Karma. I'm worried someone else is going to be able to see or worse, use my data. Please review asap!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: Experian Information Solutions Inc.
State: TX
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:
ID THEFT VICTIM XXXX POLICE REPORT VIOLATION OF MY RIGHTS AS A CONSUMER REPORTING INACCURATE INFOMATION

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 2018-07-21
Company: SYNCHRONY FINANCIAL
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: Their investigation did not fix an error on your report

Complaint:
Synchrony / Walmart Credit card stated that they would remove all fraudulent hard inquiries from my credit report back on XX/XX/XXXX. The Hard done on XX/XX/XXXX still reflects on my XXXX  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 non-monetary relief
Consumer complaint received 2020-06-12
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am Being told that I owe a debt for something that i have no recollection of. Not only that i was out of the country on the dates being charged, therefore i know for a fact It was not Me. A company by the name of XXXX XXXX XXXX XXXX XXXX Account number ( XXXX ) claiming the amount of XXXX $ is owed. This company not only has never sent me a bill, but the time line in and of itself is questionable. why would a two month old debt be sent to collections and futhermore, how can this company claim they are owed by someone whom wasn't even in the country at the time. This is simply a means of malicious and illegal tactics to get money out of unsuspecting people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX is reporting that my account has late payments but they are not reporting it correctly and I have asked for a dispute and Experian did not correct the wrong information. XXXX wrote me a letter about my missed payments and it does not reflect my credit report. They did not report the 1st missed payment and the account has no date listed when it will be removed. The has been going on since XX/XX/XXXX. 

acct XXXX open date XX/XX/2012

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 2022-02-28
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:
Hello, My name is XXXX XXXX. I am contacting you to delete the following information from my file. These accounts are not mine. The accounts and items that I need deleted are listed in the report. I am just devastated. I did not make any of these charges. I have been a victim of identity theft. I ask that the items be deleted to correct my credit report. The theft has been reported to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
On XX/XX/2021 I received a text and email that a phone number had been added to my Coinbase account. I immediately logged in and Changed my password then locked my account so no further actions could be taken. I have not had access to my account since this day. No one will get back to me and no one is answering my complaints. There is not a person to talk to just an automated system that leads you no where. Since then I have submitted several requests and complaints to rectify this situation. I still have not heard anything to this day. I have contacted the SEC and FTC regarding this as well with no fix as of yet. I have lost over {$3000.00} as of now although I don't know the real amount because it flows the coins I own.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: SinglePoint GI
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
General Revenue is the company. My bankruptcy was back in 2010. Since then I get constant calls and mail saying " we're not attempting to collect a debt this is for information purposes only. '' yet they continue although I've asked them many times to stop and returned their mail. The company has changed hands several times but it never changes. They've called me 20 times since XXXX. I've called and asked them to stop bothering me but they do not. They've even sent registered mail- which I decline.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: Diversified Adjustment Service, Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Diversified Adjustments continues to try and collect on a debt they dont have a contract for. They are reporting unverifiable and inaccurate information violating the FCRA. Diversified Adjustments keeps sending me old bills and NOTHING with my signature on an original contract. Two out of 3 of the credit bureaus have removed them already from my credit due to FCRA violations.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL, XXXX XXXX XXXX EQUIFAX Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my EQUIFAX credit report. My latest credit report shows credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and ask for their removal from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX EQUIFAX Please have these unapproved inquiries removed from my credit report within 30 days, as it is harming my ability to obtain new credit. 

I would appreciate a copy of my credit report once this issue is resolved. 

Thank you for your assistance. 

Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Someone has tried to submit an application with Capital One on XX/XX/2023 at XXXX - of course it did not go threw so to I have my account frozen for the past 3years. Someone out there has my social and ID information trying to get credit cards or loans under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: EQUIFAX, INC.
State: TX
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 see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all XXXX credit bureaus and they have ignored my verfied claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

Company response to consumer: Closed with explanation