BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-31
Company: Source Receivables Management LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A company called Source Receivables is not providing me with the supporting documentation I am requesting to back up their claim. On XXXX XXXX, XXXX, I received response letters from their company but they did not provide sufficient legal validation of the debt they are referencing. They are reporting that I have an unpaid debt with them of {$840.00} but I have never done business with them and I have yet to receive any paperwork showing that I signed, and agreed to pay their company directly. The account number on my credit is : " XXXX ''. I sent the attached response to them on XXXX XXXX, XXXX via certified mail which I also have the receipts for and will be attaching as evidence. To this date, I have not received a proper response to my claim. This is not the only issue I am facing. This is the second company to pursue me for this same exact debt in less than a year 's time. There is another company called " XXXX XXXX '' who is also claiming to collect on behalf of the same creditor for this same exact amount, {$840.00}. I am attaching a screenshot from a recent report which shows the name of this second collection company who is also trying to pursue me for this debt. Their account number is # XXXX. HOW can there be two collection companies trying to collect for the same debt on my credit? How can this be possible? I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this companies like this. Source Receivables has a 100 % negative review rating and several consumer complaints listed on the Better Business Bureau 's website. The other collection company has even worse reviews. In addition, the Better Business Bureau website lists Source Receivables as a company based in XXXX, North Carolina. I have never lived in North Carolina in my life. I will not give my money to any company I do not recognize and can not provide me with paperwork showing that I signed and agreed to pay them directly. I also do not feel comfortable having two collection companies who have my address and other possible personal information out there that I have not authorized them to have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: TrueAccord Corp.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I began to receive emails from XXXX XXXX at True Accord working on behalf of XXXX XXXX XXXX. The first email was in XXXX 2022 and I received another on XX/XX/2022. The mail states that I owe {$1900.00} XXXX XXXX ( XXXX XXXX ). I have not 5aken any action because this can not be legit. I've never have any services with XXXX or XXXX XXXX. I've never even heard of this company. This companies location are in New York and New Jersey. I reside no where near those locations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I was looking over my credit report and noticed several inaccuracies throughout it. Several collection accounts which are inaccurately updating balances. I sent a dispute letter dated XX/XX/XXXX to all 3 credit bureaus, which are currently undergoing the dispute process. XXXX keeps updating this account from XXXX XXXX XXXX for {$400.00} without proper investigation. I have also sent a letter to this company separately demanding them to valid this alleged debt.

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 2017-10-31
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have a Bitcoin account with Coinbase. Within that account, I have a " Coinbase Vault '' with XXXX BTC in it, worth {$86000.00} at the time I am writing this CFBP complaint. 

I initiated a transfer on XX/XX/XXXX from the " Vault '' to one of my Bitcoin wallets, " Spending Wallet. '' That transfer is requesting a verification from a second e-mail that I no longer have access to, a previous work e-mail address. It has been locked for the last two weeks. 

I have attempted to contact Coinbase to resolve the locked funds in multiple ways : - On XX/XX/XXXX I submitted Coinbase Helpdesk ticket XXXX. See attached PDF. I have replied multiple times but I have received no response. 
- On XX/XX/XXXX I sent an e-mail to XXXX. See attached PDF. I have received no response. 
- On XX/XX/XXXX, I spoke with a Coinbase Representative through their ( XXXX ) XXXX number that stated he 'd have an expert assist me and that I would receive an e-mail shortly, but that never occured. 
- On XX/XX/XXXX through the XX/XX/XXXX I sent multiple XXXX " Private Messages '' to official Coinbase XXXX users. See attached PDF.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: TRUIST FINANCIAL CORPORATION
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:
For the last six months Ive sent that multiple FTC reports disputes to regional acceptance in reference to a debt that I do not owe. The debt is fraudulent. I do not assume responsibility for this day it is not my debt. Not sure of how it keeps coming back verified. I have requested something with my signature in my information which can not be provided because Ive never done business with this company Ive never entered into a sign written contract with this company I demand that this debt is removed from my credit report to date thank you.

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 2017-10-31
Company: Credit Plus 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: Credit inquiries on your report that you don't recognize

Complaint:
I have 5 hard inquiries on my credit report that are hurting my credit that I did not authorize. XXXX on XXXX, then XXXX, XXXX, XXXX, and XXXX all in XXXX. From credit plus ... I did not authorize any of these pulls and I want them removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
We found out about the outstanding debt from an outside source, months after the debt had been placed on my credit report. We were applying for an apartment, when we were informed that there was a debt owed to a previous apartment complex. 

I contacted that apartment complex on XX/XX/2020, only to find out my debt had been transferred to a collections agency. After getting the name and number of that agency, I reached out to them through a phone call and tried to get more information. Neither the apartment complex or the debt collection agency made any effort to contact me via phone, email or mail to notify me of the debt before it was placed on my credit report. I was given no option to pay, dispute or otherwise keep this debt off my credit report. 

When I called the agency, they were reluctant to share information. I was given the outrageous amounts for TWO accounts and I was told the name of the agent overseeing those accounts for this debt, given a phone number for him and an email for the company. I was told I could not get information unless I emailed a request for one. So on that same day, XX/XX/2020, I sent an email request for an itemized bill. 

On XX/XX/2020 I received email responses. One for each account, but I could not see any itemization for either bill. I saw the amounts, but nothing more - and I sent another email letting the company know I had received the bill amounts for each account, but did not see the itemization I requested. I received a response within a couple of hours, letting me know I should have received the bills via email - and I have received no further communication from that collection agency since. I have not received the letter of acknowledged communications in the mail that was supposed to be sent five days after I reached out to them - and I still have not received a call, or email with explanations for the charges. 

I have sent a letter disputing the charges and their handling of those accounts. I have protested that I was not given any information about this debt before it was put on my credit report - and their mishandling of overall communications with me about this debt. I just wanted to make the CFPB aware of this company and their practices so no other consumers would be caught out with a debt on their credit reports without awareness by this company.

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 2022-03-12
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account was closed with Citi bank XX/XX/2021. Still have not received my money from account. Any time I call. I get hung up on

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 2022-02-16
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:
I sent letters to the Experian Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
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:
For the last six months Ive sent that multiple FTC reports disputes to regional acceptance in reference to a debt that I do not owe. The debt is fraudulent. I do not assume responsibility for this day it is not my debt. Not sure of how it keeps coming back verified. I have requested something with my signature in my information which can not be provided because Ive never done business with this company Ive never entered into a sign written contract with this company I demand that this debt is removed from my credit report to date thank you.

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 2021-10-26
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I'm writing, because I dispute Debt with XXXX and XXXX about my credit report and I ask them to Validation and for verification about debt collection. I never receive any mail of my dispute on XX/XX/XXXX the amount of {$6100.00} and {$1500.00} were remove. So on XX/XX/XXXX they a loud a new Third party which I have no idea who these debt collection are. I'm so tried of asking XXXX, XXXX and XXXX to accuracy on my credit report, because the Credit Bureau report inaccurate information meaning different amount, open account, high balance. every month reporting charge-off after it been close. this is a Violation my right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: 1st Franklin Financial Corporation
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Starting in XXXX i begin to have financial problems. I made the mistake of getting one installment loan and then i got another one to pay off the first loan. It eventually piled up and i was in a deep hole before i could realize it.

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 2022-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit act capital one has violated my rights 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A SECTION 2 a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: EQUIFAX, INC.
State: NC
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:
XX/XX/22 - I sent a certified letter to Equifax requesting removal of unauthorized inquiries from credit report. I also asked that if they are verified to provide proof of any documents showing my authorization for the inquiries. 

XX/XX/22 - Received response from Equifax stating that all inquiries were verified and will remain on my credit report. The response did not include any proof show my authorizations for the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
unsure of dates but multiple of times i stated that this was error due to iditity theft or fraud on my account and the hard INQUIRIES are not mine.XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX,, XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX,, XXXX XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: EQUIFAX, INC.
State: OH
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 recently pulled my credit report and I noticed that I had several unknown accounts for books from old schools that shouldn't be there they keep reappearing an account I paid them $ XXXX this year i have a receipt there should be no balance. I have several companies that are unknown and I never done business with this information is costing me high interest and fees. I'm doing my best to buy a house but the inaccurate information is stopping me when it keep reappearing or accounts that I don't know what they are nor have I done business with them. These have to be removed all the multiple name spelling and wrong address information it literally could be anyones information. please remove these items.. 
hard inquires that are over 30days old that im not doing business with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, 2021 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/2021 XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XX/XX/2021 XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX addresses with inaccurate info they may belong to a relative XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX all companies that need to be removed will be highlighted in the credit report i have listed in the documents section because there are so many of them that are unknown to me. my correct name spelling and information will be listed as well and i have opt in the credit system as well to stop all the random accounts XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Went through the XXXX website to request my free credit report from all 3 credit bureaus. I had not received any credit report this year. The 1st company I requested my credit report from is Experian. After I view and saved my experian credit report, I opted to get my experian credit score as well because it was advertised for {$4.00}, and before my credit score was displayed another message from experian offering to provide me with the credit scores for all 3 credit bureaus was offered, however no price was displayed, so therefore I assumed the 3 credit scores were at no additional cost. To me, my assumption seems reasonable, as I thought perhaps Experian is competing with XXXX XXXX XXXX. Therefore, I opted for all 3 credit scores from Experian. About 2 minutes after I viewed my 3 credit scores and logged out of the Experian website, Experian emails me thanking me for the {$40.00} I paid to get all 3 credit reports and all 3 credit scores.

To me this borders on fraud by Experian. I would never pay for all 3 annual credit reports that are free for me, moreover I would not pay {$40.00} for 3 credit scores when I know all 3 credit scores purchased separately would cost less than {$20.00}.

Experian seems like such a dishonest company, desperate to cheat the public to make ends meet. Why would such a company be the custodian of personal credit information and social security numbers? It seems to me that this sort of dishonesty could lead to Experian secretly selling consumer information to others that have a need for it. Experian is NOT a company to be trusted with this level of information.

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 2022-03-12
Company: ROBINHOOD MARKETS INC.
State: MO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I filed a dispute claim on transactions in my Robinhood account. They immediately assumed I was doing something out of their terms and conditions and dismissed my claims. I replied giving evidence that I was not violating their conditions but the next email I got dismissed the evidence and just repeated what the other email said. So I replied with the evidence and explaining why they should investigate my claim. After weeks of this back and forth and waiting for them to reply. I get a final email saying they can't help me with my dispute. They never even tried to help me or see my side they just kept dismissing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: I.C. System, Inc.
State: DE
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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by the Bureaus. Despite sending them letters, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, the Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that is reporting :

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