BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-17
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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-09-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This account has been in dispute since 2019 we have been going back and forth. As I notice looking at a old report that I will included that is account have been deleted from my report XXXX times or more and keep getting reinserted on my account. I have disputed this account regarding the inaccuracies that was posting. This account is still reporting in accuracies within my account with all three bureaus. 
Have been disputing this account for far to long and it should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-02
Company: LEXISNEXIS
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Lexis Nexis is combining my personal records with that of a woman in XXXX, AZ who has the same name I do. When an organization requests my file, it now contains the past address and court records of this woman in Arizona. 

As a result, I now fail authentication at my own bank. Online databases and the major credit reporting bureaus have also shown this incorrect information. It appears they are not gathering data based on social security number ( a unique identifier of one person ), but on name and possibly age ( numerous matches possible ). 

This is a financial and logistical nightmare, as I have to contact each one by hand and prove my identity to each company and website. My bank has said this is called " soft theft ''. 

I spoke with Lexis Nexis on XX/XX/2017, and they denied providing the information to my bank ( they do n't know my bank emails/calls regularly with updates about THEIR conversations with Lexis Nexis ). Later in the conversation, the " specialist '' apparently found an AZ address, but stopped short of saying actual words to acknowledge that. The " specialist '' claimed she could n't find any court records. My bank told me the records originated in Arizona 's XXXX District Court ( record provided by Lexis Nexis ). 

Lexis Nexis obviously lies as a part of daily business. This is an organization our financial and legal institutions trust to make judgements about us!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Capio Partners, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had resolved a medical debt in XX/XX/XXXX in the amount of ~ {$2000.00} for an emergency room visit in XX/XX/XXXX. A company by the name AssetCare LLC contacted me in XX/XX/XXXX, nearly a year and a half after the debt had been settled, stating they purchased my contract from XXXX and that money was still owed. Evidence was provided of the settled debt and a letter was received approximately one month later stating the provided evidence was still under review. ~60 days after the evidence was provided I received an email notification reporting my credit score had dropped 30 points due to a major derogatory debt. AssetCare did not communicate with me in any way of their research results outside of the notification that they were still reviewing. I contacted AssetCare and they referred me to their customer advocacy team to help resolve. Ive called the provided number and left voicemails numerous times over the course of the last 2 weeks and have not yet received a response. The actions of this company have caused not only stress and frustration, but real life consequences that will affect me and my family in the years to come. Hopefully this submission will help shed light on the broken processes within their organization, lack of customer support, and potentially help mitigate future risks of other individuals and families that may be impacted by this companys incompetence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-19
Company: DCI Credit Services, Inc.
State: MT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was called on a debt that was owed back in XX/XX/XXXX on XX/XX/XXXX for XXXX dollars. They said they mailed one notice out to a address that I havent live at since XX/XX/XXXX. I kindly asked them to mail another notice out so I can pay it. They refused and said they dont have too. I said Id pay it over the phone. Then they refused to use my debit card and said I can only pay with a checking account. They finally took my debit card after Arguing with them. They wouldnt even mail me a proof of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Continental Finance Company, LLC
State: GA
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 act CONTINENTAL FINANCE CO Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-10-14
Company: Comerica
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I had a Direct Express, Social Security Survivor Benifits deposit pending for the XXXX of XXXX. 
Deposits are in after XXXX XXXX time the night before and fully accessible after that time. 
Funds were not available, since then, for the {$1400.00} that is my regular scheduled deposit. 
Normally I call their number and put in the last 4 numbers on my card, then next step, my 4 digit password. Then it tells my Deposit, Balance, Transactions and such. 
Now it asks for my last 4 numbers on my card. Then to activate, check balance or transactions, tp please enter the full account number. Then as it thanks me for my patients, the longest was almost 4 hours with scratchy elevator music. 
My Son is a Senior Vice President for XXXXXXXX XXXX in charge of Database. He says that Comerica Bank- Direct Express , experienced a Data Breech and is ghosting everybody to prevent a run on the bank. I received a letter yesterday saying to either call the number to discuss this or if there is no problem, the card will be activated on its own.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-03
Company: NCB Management Services Inc.
State: MN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NCB Management Services is reporting a debt collection account against me that they fail to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. NCB Management wont sent any documents, bearing my signature, showing that I have a legally binding contractual agreement/obligation to pay them for the alleged amount. XXXX  and XXXX have already removed this account from my credit for Violations against the Fair Credit Reporting Act. NCB Management also didnt furnish the credit bureaus with the required disclosure, within the period required by law. They are required by law to place a notice of dispute on my account within 30 days of my dispute, which you signed for XX/XX/2021. I have retained a copy of their signature and date of receipt, as well as time stamps of my credit reports showing that you violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act 807 ( 8 ) by not placing the disclosure within the required 30 day period. Im requesting NCB Management delete this account off of my credit reports for good for violations against the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX XXXX 30 days late as of XXXX XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15
Company: SELECT PORTFOLIO SERVICING, 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: Account information incorrect

Complaint:
Select Portfolio Servicing is not reporting correct information to the credit agencies. SPS is reporting that the mortgage is closed. They are also reporting an incorrect balance. My account is still active and has been current since XX/XX/2018. I spoke with SPS on a recorded line in XXXX  they advised that it would begin to report correctly. SPS has since not updated my information with any of the credit agencies. I spoke with SPS on a recorded line again in XX/XX/XXXX and they advised they are not reporting because I have a dismissed bankruptcy, and if I wanted it corrected I would need a reaffirmation document. I reached out to the attorney the represented me in my bankruptcy filing and they advised that reaffirmations are only for chapter XXXX   cases. I had chapter XXXX reorganization and they should be reporting accurate information. SPS reported my account as closed and past due inXX/XX/2018. At that time it was the plan of SPS to foreclose on my property. I was able to gain assistance and mortgage reinstatement through a state funded program that paid all of my missed payments. With this complaint I want for SPS to begin to report my mortgage on my reports as active and current dating back to XX/XX/2018. I have filled a previous complaint on SPS because I felt I was a victim of racial discrimination. I still feel this way as evident in their unwillingness to provide assistance during my hardships, and currently by reporting information that destroys my credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I opened a bank account with Region 's Bank with the expiations ' of receiving a {$300.00} opening fee within 60 days and was denied funds

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-14
Company: Nelnet, Inc.
State: MN
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:
I reached out to Nelnet XX/XX/XXXX to change my due date from XX/XX/XXXX to XX/XX/XXXX. On the morning of XX/XX/XXXX it was finally processed but they also charged my auto-debit account that day. Any call to Nelnet results in a multi-hour hold time and incorrect answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2019 I opened my account with Regions. During the opening process I was presented with Regions Refer-a-Friend program where the bank asked its members to recruit their friends and family to join the bank. For any people referred Regions would pay both parties a {$50.00} Visa gift card. I successfully sent 17 referrals. Of that only 8 people completed the requirements and were designated by Regions as " Criteria Met '' ( for the {$50.00} gift card ). I received 7 {$50.00} gift cards. I am still missing one {$50.00} gift card and Regions own referral tracker confirms 8 criteria met but only 7 incentives paid. 

Over the past 2 months I have contacted Regions by secured message through their website 5 times. The bank is helpless via secured message and asks for me to call in. I have placed no less than 14 phone calls to the bank and spent 5+ hours on calls. At each phone call I am given conflicting information, told to call other departments, and even told a help ticket is opened to investigate. Despite this no action has been taken. Even today a " supervisor '' can see my missing referral but is helpless to advise on the status of my ticket, open a ticket, or provide any meaningful information. The majority of the bank representatives do not even know what the refer a friend program is.

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 2020-01-22
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX continues to ignore my disputes and not fix the problem. I have repeatedly disputed some of the items over and over and over again. To no avail, even with proof the account is inaccurate, they simply send an Email stating the investigation is complete, when they are not investigating accurately AT ALL. Specifically : On XX/XX/2019 : I disputed : XXXX XXXX, # XXXX and it states it is accurate when in fact it is not. This is a sold debt that was in fact closed on with XXXX with no monies being owed to that party, as I was not in a contract with them. Further, this account is being reported as if its a new debt and in fact it is not. Lastly, I have RECEIVED NO communication from XXXX XXXX about this debt- AT ALL. 

On XX/XX/2019 : I disputed : XXXX XXXX, # XXXX. This car was totaled in an accident and the car was paid off by my insurance agency, XXXX XXXX and there was NEVER a late payment. In fact, the car was paid off 7 days after the accident. I DO NOT CARE what XXXX XXXX  tells you it is proof of this with the XXXX PD and of course XXXX XXXX. It remains inaccurate on my report and you have NOT done due diligence according to FDCPA. 

On XX/XX/2019 : For the 5th time- I disputed : XXXX  XXXX # XXXX. I still have my XXXX XXXX account open and this {$77.00} is incorrect. 

On XX/XX/2019 : I disputed : XXXX XXXX # XXXX There was NEVER a late payment with this account. I received a 2 month forbearance due to dealer tag and title paperwork to tag the car was not sent to me in a proper timeframe upon purchase of the vehicle ( of no fault of my own ) XXXX is aware and I have documentation of proof to show ; Payments have just resumed. 

Lastly : on XX/XX/2019 : I disputed : XXXX XXXX # XXXX : I have no knowledge of this company, I have not received any debt collection information from this company and further the debt in question is not mine! How is it this information can just appear on my report without any knowledge to me of the who, what, when, where or why? 

XXXX  and the companies aforementioned are direct violation of FCRA.

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 2023-03-16
Company: Coinbase, Inc.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX BTC ( XXXX USD ) from my Coinbase account to the fraudulent investment firm. When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Coinbase did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Coinbases custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Coinbase promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Coinbase was in compliance with its own policies and procedures ; ( v ) whether Coinbase owed duties to myself, what the scope of those duties was, and whether Coinbase did not uphold those duties ; ( vi ) whether Coinbases conduct was unfair ; and ( vii ) whether Coinbase has within its power the ability to, and should, compensate me for the harm that has befallen me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have an account I do not recognize on my credit report. I repeatedly asked for it to be removed from my credit report and asked for debt to be validated which they couldnt provide. 

under 15 US CODE 1602 it is unauthorized use of my credit and illegal.

Please remove from my report as per 15 USC 1681 and refrain from any other contact

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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