BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-24
Company: Phoenix Financial Services LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The debt collection agency is Phoenix Financials Services. The debt collector had previously removed accounts due to insurance paying them. They have re-inserted two files back onto my credit report. They did not notify me at all regarding these re-inserts. The original dates of services from the hospital for these two disputes are XX/XX/XXXX and XX/XX/XXXX. I had Medicaid at  the time of services for both. One account is for the amount of {$360.00} and the other account is for the amount of {$390.00}. I have filed disputes with XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I have vehicle that is a XXXX XXXX XXXX. I was told that my last payment would by XXXX but when I called santander consumer usa. On, XX/XX/XXXX I was told I have to pay XXXX. The company keep adding Fees not able to explain the break down of fees such as intrest also. I have noticed that my maturity date keeps changing. On XX/XX/XXXX I requested a pay off quote. What was stated is that I have 16 Days to pay off the pay off quote which is way higher then our final pay off amount.I stated it seems like I 'm being penalized for requesting a payoff amount they said no ma'am your not But that 's not what it sound like to me when things were explained. I do have recordings of the last two reps that I spoke with at santander consumer Usa. Also I have screen shots of my payment history, intrest and also how my maturity date keeps changing which means this company is adding on mics. Fees to my account causing my husband and I to pay out more. At this point this company is causing pain and suffering because the company is taking more money out of our pockets then tey should causing us to fall behind on other bills trying to keep up with this bill. I have tried to get the correct account balance that I know is supposed to be paid off for the last and final payment by XX/XX/XXXX but my husband and i know for sure the last and final payment will be paid on XX/XX/XXXX@XXXX est. This company has been sued for underhanded and dishonest practices and at this point My husband and I have proof of everything and want to begin to take legal actions against this company. So please if possible can someone send my husband and I in the right direction to go, to take legal steps. My husband and I have been ontime with all our payments never late and we have been loyal consumers but this company has not been loyal to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: EQUIFAX, INC.
State: IN
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX Last 4 Digits of SSN : XXXX While looking over my yearly credit report I see that there is some incorrect information regarding my personal information. There are addresses reporting to my credit report that are not associated with me. It seems as though you or the creditors have mixed my file with someone else that is in my family which is understandable being that our names are similar. I have included my license and proof of address to assist with the handling of this dispute. I am asking that you please remove any and all addresses that do not reflect the address that is on my license and/or proof of address so that the information on my credit report is accurate. 

Thank you so much for your time in assisting me with this matter. Please send me correspondence that shows that these changes have been implemented.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: Coinbase, Inc.
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 have sold about {$27000.00} of crypto currency using Coinbase. 
The sale of the currency itself was fine, and I have been able to transfer it all into, which is sitting in my Coinbase wallet. 

However, I am unable to withdraw it from there. In order to withdraw money, you are required to verify a bank account with then, by using the account to make a deposit into your Coinbase Wallet ( in ). 

They state that this process will take 1-2 business days. 

On XXXX XXXX, 2018, I submitted a deposit from my bank account of XXXX, which reached my wallet within the day. Coinbase immediately credited my wallet with this, but my bank account was still marked as unverified, so I was still unable to make a withdrawal.

This was still the case on XX/XX/XXXX, so I submitted a support request. 

I received what I assume to be an automated response on XX/XX/XXXX. I assume it was automated because it contained instructions for making a deposit, something I had already done successfully. I responded immediately and pointed out that this was not my issue, and I had made a successful deposit already, but my accojnt was still not marked as verified. 

On XX/XX/XXXX I received another response. This one stated that my case had been escalated to a specialist, and contained additional advice for making deposits ( that I did not need, having made a deposit successfully ). It also recommended I check that my bank account was listed as a payment method, which it was, and I have checked every detail to ensure it is correct, which it is. 

I responded on the day, pointing out that everything was in order from my end, and I have sent several follow-up emails since. However, Coinbase have not yet responded to any of them. 

I would like to verify my bank account so that I can withdraw the 22,000 or so that is sitting in it. Every day they hold on to it is an additional risk, as exchanges are hacked and targeted all the time. I just want my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: Nelnet, 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: Account information incorrect

Complaint:
Dept of Ed/Nelnet violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Experian Information Solutions Inc.
State: SD
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:
In XXXX i as an account manager on the account opened by my wife with whom I separated in XXXX XXXX XXXX is the individual who opened a XXXX XXXX XXXX XXXX card and a XXXX XXXX XXXX card. I was added as an authorized user at one point. In XXXX I removed myself off the two accounts. I was advised by XXXX XXXX credit Bureau department that I was no longer on the account and that I was not responsible for the debt as an authorized user, and since I was removed from the account and no longer an authorized user not responsible for the debt. I filed for divorce in XXXX. The account was not paid on by XXXX the account is past due and despite being past due since XXXX on both accounts XXXX XXXX is reporting incorrectly that I am the individual on the XXXX XXXX XXXX XXXX XXXX and delinquent on my credit report. I have called four more times and been told they are not reporting to the bureaus as I am not on the account nor responsible for the debt. Experian has reported fraudulently I am past due on an account I am not on not responsible for

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 2020-12-22
Company: CURO Intermediate Holdings
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Received a loan you didn't apply for

Complaint:
I have received a delinquent bill for a loan I NEVER applied for nor received From XX/XX/2015 with XXXX XXXX they CAN NOT or WILL NOT send me ANY PAPERWORK with my ID, signature or copy of the car title used ( which I HAVE NEVER OWNED )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 been disputing a XXXX XXXX bankruptcy being disputed on my credit report. The court ID and plaintiff are not reported correctly. I have asked over the past several years for this information to be removed from my credit report, but it has not been. Also, it has been over 7 years and the bankruptcy still shows on myTransUnion, XXXX and XXXX reports.

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 2022-08-13
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My daughter has been receiving emails from a debt company called LVNV Funding LLC. They keep sending her notices of a debt owed by someone who used my social security. I have never taken out a credit card with XXXX XXXX XXXX. Also, the name that was used to cause the fraud is incorrect and the zip code. I'm not sure how this fraud happened, but the collection company keeps sending my daughter notices of this debt to her email. I don't know anything else about this debt, but my daughter emailed XXXXVNV Funding to dispute the debt. Please help me since I did not cause this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: Experian Information Solutions Inc.
State: MO
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:
After disputing the following inquiries the 3 reporting agencies concluded that the un- verified accounts been verified, neither company sent me any physical documentation to support their reporting inwhich the investigation stated " up dated ". Now according to the FCRA rule of law, if there's no physical evidence then the accounts shall be removed. The following inquiries in dispute are.. XXXX  Credit Cards ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX Miscellaneous Reptg. Agencies ( XX/XX/XXXX ), XXXX - Telephone ( 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 non-monetary relief
Consumer complaint received 2021-03-08
Company: Titan Revenue Solutions
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have disputed this account several times with titan revenue solution several times. 

they have called me with abusive tactics, cussed at me, called me foul names, threatened me and used several illegal tactics. 

I have asked them to send me the proof they have and all they have is a fraudulent check that has a signature forged to read my name. The check they are used as their " proof '' is not an account I have ever used, owned or operated. 

I have reported this to them as fraud and they continue to ignore me and report this information on my credit report. I have advised XXXX of this matter as well and they have refused to help me. 

Every other credit bureaus has been more than helpful in this situation but XXXX 

Please help me get the justice I deserve.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Last 4 Digits of SSN : XXXX While looking over my yearly credit report I see that there is some incorrect information regarding my personal information. There are addresses reporting to my credit report that are not associated with me. It seems as though you or the creditors have mixed my file with someone else that is in my family which is understandable being that our names are similar. I have included my license and proof of address to assist with the handling of this dispute. I am asking that you please remove any and all addresses that do not reflect the address that is on my license and/or proof of address so that the information on my credit report is accurate. 

Thank you so much for your time in assisting me with this matter. Please send me correspondence that shows that these changes have been implemented.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: Experian Information Solutions Inc.
State: MI
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:
To whom it may concern : Your response to my dispute of public record is unacceptable. In your response you claim that you have verified this information how? According to the FCRA you have to provide me with the manner in which you verified this information. And you have not done so. I have submitted all the information to you already that proves the account does not belong to me. I further more do not have to provide your company with anything else. You have to provide me with your ways of verification in which you havent done so thus far. Which will result in numerous violations of the FCRA and each violation can result in {$1000.00} penalty. I have kept close record of our correspondence in which you have not provided me any documentation of you ways of validating the account belongs to me. And I intend to pursue legal ways to remedy this tragic situation that is damaging my life as well as reputation because of your malpractice of reporting false information. Again I want verification of account numbers jurisdiction of court address and all other particulars of the public record you are reporting on my credit report. You can not use any 3rd party information you have to verify it with the courts and provide me with your exact method of verification to provide utmost accuracy as stated in Fair Credit Reporting Act. This is my final warning before I seek judicial court suit against your company for your transgression against 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 explanation
Consumer complaint received 2022-08-13
Company: KEYCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I filed several disputes with a company called XXXX where my card information was stolen from a phishing link. And charged multiple times. I was approved on several transactions by key bank and receive my money back. For the last bit of the transactions I was denied because theyre claiming I had to be there in person it seems the caseworker did not review the previous cases and saw that the company is in fact not a physical company but an online cryptocurrency company so in fact it is impossible for me to be present when the transaction is there it can be done electronically online since my information was stored to the website including card info. 

I am out over {$14000.00} in these transactions I want my money back immediately as the caseworker seems not to be able to do their job right and pay attention to what the previous cases which are exactly like this one which were approved. 

This is why Im making this complaint thank you As you can see in the documents below all other cases were approved but these were denied for a completely wrong reason and I expected to be overturns swiftly

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: ERC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The week of XX/XX/XXXX I sent the credits bureaus letter about ERC on my credit and ERC sent me copies of bill statements but they fail to validate that I owe them a debt. They did say any any documents with my signature or document stating I was responsible for owing this debt. Also the bill statement ERC sent shows a balance of {$2000.00} but updates on my credit reports every month as {$1800.00}. This debt was removed from XXXX did n't it was n't enough validation but XXXX and XXXX  updated saying Meets FCRA Requirements

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2018 I received a notification of a collection on all 3 credit bureaus, Midwest recovery systems. Ive never heard of them nor received ANY notification of any debt or collection from them. 

This company needs to be looked into as Ive necer heard of this debt or received any notification of such. My credit scores dropped over 50 points due to this invalid debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
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:
I went to buy a jet ski for my daughter for the summer, but in order to get it financed my credit had to get pulled. I found a fraudulent bankruptcy and couple of inquiries that are not mine. Please remove these things from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: The Bureaus, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i have contacted all 3 credit bureaus to challenge the 100 % accurate and factual reporting of an account showing up on my credit report " THE BUREAUS ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) " ...... all 6 times that ive challenged it has come back verified as accurate ... how is this possible? how are they verifying this? they are not conducting proper investigations is the answer... i have attached a copy of the report with all of the inconsistencies circled ... XXXX.this account has been re aged..this is a major violation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: BSI Financial Holdings, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
BSI Financial holds my home mortgage and mismanaged my home mortgage account. BSI falsely reported payments made to my account as not paid ; some more than 180 days consecutively. BSI also reported the wrong balance to the credit bureaus and placed customer disputes on my account when I inquired with them to investigate their mishandling. They kept the disput on even when they admitted to the mishandling of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
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:
In XX/XX/XXXX I received a secured Mastercard through Capital One. On XX/XX/XXXX I called into Capital One to see if I could upgrade this secured account to a non-secured account. After receiving poor customer service, I made the determination to close my account. I asked the account manager what the balance due was in order to close the account and he said {$400.00}. Knowing I had a {$390.00} security deposit, and confirmed that could be applied to the balance, I made a {$1.00} payment to close the account. On XX/XX/XXXX I received a statement saying that I owe {$8.00} in interest that was not applied to my account until after it was closed. I called into customer service to report this as an error, and I was told that it was called " trailing '' interest that was not added to my account until after the statement cycle was over, even though my account was paid in full before this date. I asked to have this amount waived, and was told that it was not a possibility.

Company response to consumer: Closed with explanation