BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-09
Company: Experian Information Solutions 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:
I did not recognize any if these accounts because on that period of time I did not visit hospital. Somebody used my personal information. Please remove incorrect information from credit report as soon as possible because it does not belong to 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
Consumer complaint received 2019-09-09
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:
I did not recognize any if these accounts because on that period of time I did not visit hospital. Somebody used my personal information. Please remove incorrect information from credit report as soon as possible because it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: Coinbase, Inc.
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I've been a customer of Coinbase.com for about 1 year. On XX/XX/XXXX our bank sent them a wire transfer of {$200000.00} USD. IMAD # : XXXX XXXX On XX/XX/XXXX Coinbase sent us an email which read " You recently sent a wire to fund your Coinbase or XXXX   account for {$200000.00}. Unfortunately, we are not able to apply this wire to your account due to a name mismatch and will be returning this wire back to your bank. Please allow us 7 business days for processing ... '' see attached We sent them an email on XX/XX/XXXX and all we received was a robot response. see attached Today XX/XX/XXXX I went online to see if there were others having this problem with Coinbase and yes there were many. According to the others the best way to resolve their issue with Coinbase was with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: EQUIFAX, INC.
State: LA
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:
I've been having problems with this company for nearly a year. Issues I am having. 

They keep adjusting balance on a closed account ( see attachments ) -- spoke with them about this, they said that the account is still accruing interest. From my understanding, the account is closed and interest should not still accumulating on a closed account. 

Listed on my credit report incorrect -- I voluntarily surrendered this vehicle, they have it listed as involuntary surrender/repossession. I know these two account statuses will impact my credit about the same but according to the fair credit reporting act, any and all information that they distribute must be an accurate summary of my credit history. In addition to that, there is a discrepancy on the balances and dates. One credit report is saying I owe one amount and the other is saying I owe another amount. One is saying my last payment was on XX/XX/XXXX and another is saying the last payment was on XX/XX/XXXX. One is showing the payment status is 30 days late 3x, and another showing 30 days late 2x. 

Requested the repossession paper work and they have been giving my the run around. 
-- In these situation, they typically sell the vehicle at auction and subtract the proceeds from the balance and the consumer owes the difference. They told me that they filed a claim with their insurance company and they bought the car for about {$20000.00} ; however ; they will not send me the paper work. They told me that no one was home when the paper work was delivered. If they sent it certified mail, I should have had some sort of notice instructing me to pick it up from post office. If it was not sent certified, it could have been left in the mailbox. 

I've spoken with different staff member and I get different answers -- Each staff members response/explanation contradicts the previous one. 

I seriously believe that my consumer rights have been violated. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: ORG GC GP Buyer, LLC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Recieved a call from gccollection XXXX This wasn't my first call from this number they had called in the past asking if I were myself. At an address in XXXX. Which I don't live in XXXX so I ignored them. This time around I recalled my car was registered in XXXX so it might be somthing I should ask them about. 

The lady on the phone gave me my actual account number to my XXXX  XXXX  account, an address listed under a car I own in XXXX utah, and 2 dates that match a time were i had actually owed XXXX  XXXX. 
She also gave me a subscriber #, and amount owed. Apoun calling XXXX  XXXX I was told I don't owe any money on XXXX  XXXX, and that this must be fraud. 
The email, and number I was given to contact this company back to pay the supposed debt is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: Experian Information Solutions Inc.
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$20000.00}, {$610.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1.  XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$610.00} -This is not 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 explanation
Consumer complaint received 2021-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
transunion, XXXX and XXXX reporting mortgage as new when it is the same mortgage for 20 plus years it was just refinanced and reflects on score as such

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 2018-06-14
Company: ENCORE CAPITAL GROUP INC.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this debt numerous times. I sent XXXX XXXX a validation letter and never received any of the information I asked for in the letter to validate the debt. Also, while the debt is in dispute XXXX XXXX has broken the law. Disputed information is not to be reported while in dispute on credit report and this collection agency has put negative information on my credit report with out validation nor have they responded to my request of validation. I sent this letter to XXXX XXXX : I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

No one should have to be subject to this humiliation especially when it is a unknown account and possible identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-09
Company: Experian Information Solutions Inc.
State: NJ
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:
In 2018 I contacted XXXX around XX/XX/XXXX to close my account and start a repayment plan. At that time they said I was not elligible and had to wait 30 more days. but for some reason they still locked me out of my account, disabled all my mail and email notifications. Because of this apparently there was. {$13.00} payment that was missed, but never received any calls or anything about it. It showed up on my credit report as a late payment in XX/XX/XXXX, once I saw that i paid it immediately. I contacted some of the credit bureaus, XXXX would not removed it, XXXX did remove it. And I don't know If Experian did anything. I even contacted XXXX about it and they could not help me. This was not my fault and was completely out of my control. I was not even able to login to my account at XXXX. This is ruining my credit score

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 2020-07-30
Company: Synergetic Communication Inc
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2020 After multiple request of complete validations or any proof that i owe this bogus debt not owned by me by multiple companys in the past what was requested by me by certified mail ( have all the proof ) and NO PROOF OF ANY KIND HAS BIN PROVIDED TO ME EVER and again sold to another bottem feeder with no proof what soever trying to claim i owe this debt after 13 years. 
Do your homework and check all your files i have mine in order. 
Thers nothing out there it aint mine. 
SYNERGETIC COMMUNICATIONS, INC is in violation with the FDCPA by illegal and unfair debt practices by collecting in behave of other companys with no proof provided knowing complete validations has bin requested by me in the past. 
More complaints will be filled with the FTC and XXXX. 
A COMPLETE FRAUD.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: NCB Management Services Inc.
State: SC
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:
Company is still showing incorrect information. Company is reporting activity on credit report every month there has never been any activity on this account. On credit report its showing a last activity reporting every month. I know nothing about this account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: National Credit Systems,Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had no knowledge of a debt with NCS debt collector until it was on my credit report. I have disputed on several occasions that I had no knowledge because I wasnt notified by the original creditor XXXX XXXX XXXX or the collection agency. On XX/XX/2019, I learned that the original creditor has been under new ownership twice when I contacted them so any questions about a debt is the responsibility of the original owner. No information on the owner during my residency can be found or provided by the two buyers. NCS was contacted, I requested the information of whom they was collecting the debt. XXXX XXXX at ext XXXX   told me she handles XXXX XXXX accounts and that she can not provide her client information. That I can dispute it with her and she will let her client know. She refused several times to give me the information which is a violation FCDPA Section 809. I suspect that they maybe also in violation of Section 812 reason being that I have never received notice of debt and the fact that they refused to provide the information requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
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: Personal information incorrect

Complaint:
THE NAME ON THE EQUIFAX REPORT IS NOT CORRECT. THE NAME LISTED XXXX XXXX NEEDS TO BE CHANGED TO XXXX XXXX. PLEASE UPDATE MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient is consistently misapplying my payments. I make an overpayment each month to my loans. I always select to be billed in full for my next monthly payment rather than having my payment due date advanced. On more than one occasion, my payment due date has been advanced despite my request not for that to occur. My default profile setting even says how to apply my overpayment. 

I have my student loans set on automatic payment. I would not have caught these misallocation if I didnt check my statement on a monthly basis. Who knows how many consumers are being taken advantage of this unethical organization. I have to call in each time to get this corrected. Most recently, the representative would not give me a reference or ticket number for the correction. 

My payment due date was advanced on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This is just within the past year. It should not have been advanced and I should have been billed monthly. By advancing my payment due date, my overpayments are not being applied strictly to principal. This allows Navient to charge me more interest since my principal is not decreasing accordingly. This is illegal and wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
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:
I am writing to dispute the following information in my file resulting from the crime because I am a victim of identity theft. I have listed the accounts I need to dispute on the attached copy of the report I received. The account I am disputing do not relate to any transactions that I have made or authorized. Please remove these accounts at the earliest possible time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Experian Information Solutions Inc.
State: CA
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 clicked through from a " credit match '' prompt on Experian for a chase card " pre-qualification '' that said it " will not afect your credit '' and on the following screen entered some basic information and then subsequently  discovered this created a HARD inquiry in addition to the soft inquiry - I am not sure what happened or how, but had XXXX intention of applying officially or understanding that it was occurring. They refused to understand or take responsibility for the misleading verbiage and blamed it on the site I was transferred from ( which happened to be experian ) - A consumer has a right to EXPLICITY know and understand they are APPLYING for something as opposed to checking to see if they MIghT qualify for a card and if it is worth it to actually APPLY officially

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 2022-11-03
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Public record information inaccurate

Complaint:
On/aboout XX/XX/2018, I requested a balance increase on one of my credit cards with Capital One. I have not previously requested a balance increase on this particular card because I intentionally keep available credit low. On XX/XX/2018, I received a reply denying my credit limit increase based on information XXXX   provided to Capital One ( see attached ). The reasons provided for denying my credit limit increase are listed as : ( 1 ) credit score of XXXX ( 2 ) Derogatory public record or collection filed ( 2 ) Length of time since Derogatory Public Record or Collection is too short ( 3 ) Proportion of balances to credit limits too high on bank revolving or other revolving accounts ( 4 ) Too many inquires last 12 months. I then went online to XXXX XXXX website and requested a copy of my credit report which does not reflect the information they provided to Capital One ( see attached ). I then paid for a copy of my credit score with XXXX, which XXXX should! refund me, and my score is XXXX ( see attached ). Thus, XXXX has provided inaccurate and incorrect derogatory information about me to one of my creditors resulting in denial of credit that more than likely would have otherwise been granted had XXXX not provided inaccurate and derogatory information. I am including Capital One on this complaint so that Capital One is aware that XXXX is providing inaccurate and incorrect derogatory information about consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I previously spoke with XXXX in Loss/Lig and believed we were being provided the opportunity to get payments caught up. However, on XX/XX/2019 I called to inquiry of my options while a government shutdown is in affect. I am a federal government employee and was told their are not any options or special circumstances offered and if I were to get a forbearance it would affect our credit. Why would a circumstance for which we do not have any control over impact us this way? I was told that while in forbearance or payment arrangements this will still be reported as delinquent. Why? Shouldn't these options protect the account and the payment agreed upon is being made? Why would this be or is it just this type of mortgage company? We were told that mortgage companies would work with us, but I see this is not the case. Please explain why.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: NCB Management Services Inc.
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NCB Management Services is contacting me about a auto loan from XXXX XXXX. XXXX had to settle in 34 states and work to repair the credit of those affected. I wasnt 60 days past due when they took my vehicle. They then sold the car and sold the debt to NCB Management with whom I have never done business. I keep getting harassing calls and threats from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: Insight Management Partners, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX called and informed me of the debt. Got hostile when I told him to respond in writing. Told me Im 46 and to pay my billsthis is ridiculous when I tried to explain my rights he laughed and told me I said the wrong thing.

Company response to consumer: Closed with explanation