BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX XXXX  services appears on my Experian credit report illegally. 

As a result of this ; Experian currently reports negative remarks such as. 

: High balance : Miss payments : Account and collections XXXX XXXX XXXX   services ; currently does not report account balance. A violation a violation of section 1681 XXXX XXXX XXXX services ; currently does not report if account was sold a violation of section 1681 Please know that these are egregious actions taken against me by Experian credit reporting agency. With multiple Violation of FCRA rules section 1681

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 2020-06-24
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had to vacate an apartment due to living conditions and I had no choice but to let the payments default. ( XX/XX/XXXX ) The collection was first with XXXX XXXX XXXX XXXX XXXX. 
They moved the collection to IQ Data and they contacted me in XXXX, I told them I did not have the {$4000.00} to pay. 
They told me they will put it on my credit ; I wont be able to buy a house ; im not responsible and they were RUDE! 
Yelling at me. 
They called my job XX/XX/XXXX asking for me. I asked how they got the corporate number and asked the to Desist calling because we are a SECURE GOVERNMENT FACILITY. Those types of calls are screened by the government. 
The guy proceeded to get rude and I hung up. 
I called back to speak to his manager that questioned my job performance because I had not paid this collection. 
He also said, " So what you want me to do, call you boss and get it from her? '' IN NO WAY IS THIS ACCEPTABLE! 
They are rude ; they keep threatening me saying that I wont be able to attain anything because I dont pay my bills and these people do not know me! 
I am taking care of my parents home and mine! I work VERY HARD! 
Im tired of them calling me and threatening me!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: Data-Central, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX starts sending me magazines I dont want / didnt select. I got a call in XX/XX/XXXX to renew my magazine selections I told them to cancel all magazines I was not interested in any of them. They claim that I have to pay them {$990.00} dollars for future magazines that I dont want so which magazines would I prefer. I said none. Cancel. Now all of the sudden today after I get my credit score to Excellent I get a credit collection mark on my credit report from Central Bil Stating I owe {$990.00} since XX/XX/XXXX. I dont have a phone number to call or a bill to be able to contact them. They call and harass me and I kept telling them to cancel and quit sending me magazines. I dont want them and never ordered them! It is a nightmare dealing with them. It is a scam and I want them to stop sending magazines which have no return address and remove the claim and debt. Please help me.

Company response to consumer: Untimely response
Consumer complaint received 2019-01-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with fees or penalties

Complaint:
in XX/XX/2018 opened 2 $ XXXX cd 's for a XXXX yr term at 2.12 %. around XX/XX/2018 USAA began taking money from the CD interest deposit and around XX/XX/XXXX they said it was because of the XXXX not being on file, around XX/XX/XXXX the XXXX issue was resolved the XXXX was found on file since the start of the CD and the deductions should have stopped. The deductions continued and were not even accurate but continued, calls to USAA resulted in assurances that the deductions will cease and return of the deductions will be provided, no return calls ever received deduction continued. In a desperate move the CDs were cancelled and money withdrawn from USAA the penalty was indicated as a portion of the interest paid but the resulting penalty was a deduction of interest and principal form the CDs. Additional calls to USAA seniors and agents resulted in a call from someone who never called again who said the issue is under review. No information on my CDs with USAA is now available on line at USAA under my file and account numbers, no interest XXXX or indication that the CDs ever existed is available.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
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:
I have not authorized these inquries listed on this report. This is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
The response from chase on complaint XXXX is incorrect. 
They show changes to the accounts in XXXX and XXXX, The address changes on my accounts that show XXXX XXXX Washington where not valid at that time. The addresses that they show have only been valid for approximately 1 year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: EQUIFAX, INC.
State: NY
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:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: EQUIFAX, INC.
State: HI
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: Was not notified of investigation status or results

Complaint:
I sent out a letter with the accounts I fount error with about a XXXX ago on XX/XX/21 and haven heard anything back. Im trying get my life together but they keep holding me back and they need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I have requested American express to review the billing issue which is overly charged me, XXXX never returned the money which stated I have the credit in my cold card activity end of the year XXXX, erred to put in the monthly statement show credit me, it indicated the summery of the each transaction and monthly statement are not matched, it is wrong to have this kind of practice, I have contact American express in early XXXX, it misled me that they credit me showing the monthly statement, I truly believe American express never refund me the money after I found out the balance of summery of the activity in XXXX, XXXX is different from of the balance of monthly statement, since then I contacted american express multiple times each month customer service regarding this issue, they ignored me.I filed case no. XXXX, wished to upload documents online to proof American express owes me {$11000.00}, I was not allowed to upload the documents, I sent email the attachment to customer service, got return the files today on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: TD BANK US HOLDING COMPANY
State: AZ
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:
I was told by a bank that I can't open a bank account due to money owed to TD Bank in NY. I called TD bank on approx. XX/XX/XXXX and was advised that amount owed is {$370.00} and if I paid {$200.00} within 30 days it would be marked as paid in full and I would be removed from the " blacklist '' that is holding me back from opening any bank account through out the banking system. On XX/XX/XXXX my sister walked into a bank branch and paid the {$200.00} which I have a reciept for. On XX/XX/XXXX I called wondering where my paid in Satisfaction letter is and why I haven't been removed from the " blacklist '' since I was told by a bank that I still can't open an account. I was told by Recovery Department that they made a mistake and didn't mark it as paid in satisfaction and that he would mark it as paid nd request chexit system to be updated so I can open an account. On XX/XX/XXXX I called back requesting a update for a letter. The guy said a request has been made and I should've gotten a letter from the branch where I opened an account. He said he would put another request in. I called the branch today XX/XX/XXXX and the branch said I'm not getting a letter cause I still owe {$170.00}. At this point I'm furious cause there obviously not caring or know what there doing. I again called Corporate TD bank again and they said no request has been put in to update the chexit system " blacklist ''. But according to corporate it's paid in full. I asked them to call the branch to let them know and he refused. He said they don't do that. So as of today I can't open a bank account to do business, the branch isn't on the same page as the recovery department of TD bank corporate,  and it's very obvious that they don't care even though I gave them there money and have been extreamly patient. Also I was advised today that no one in recovery made any notes to update the chexit system or " blacklist '' system. PLEASE HELP ME!!! I can't open any bank account to do business. ThANKS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello, Experian has been reporting erroneous information on my credit report and and I've tried several times to have this information corrected. I have a public record on my report that is not accurate and have disputed this account and asked for validation several times from Experian. Experian has stated this information was verified by the courts and XXXX XXXX. I initiated an investigation with XXXX  and XXXX XXXX ; both confirmed that this account was not mine or was not provided to Experian. I presented this information to Experian and they have responded with false information, stating the public record has been verified. This should be illegal and I'm considering filing a complaint with my state AG office and will consult an attorney. This is a serious violation of the FCRA. 

Below are the steps I've used to correct this information : XX/XX/2020 I contacted XXXX  to verify verification process related to XXXX  reporting, XXXX  responded on XX/XX/2020 stating they do not verify bankruptcies with third party agencies or Credit Bureaus. 

XX/XX/2020 I submitted a complaint to CFPB concerning incorrect information reporting on my XXXX account. 

XX/XX/2020 XXXX responded with a letter stating the public record was deleted from my file and was not accurate. 

XX/XX/2020 I submitted an online dispute with Experian and attached supporting documentation from XXXX. 

XX/XX/2020 Experian responded to my dispute stating the public record will remain and has been verified. This is a blatant lie! I believe this is a tactic used by Experian to keep erroneous information on consumers reports without actually validating any information. 

My rights have been violated and my next course of action is litigation. I've provided attachments to show proof of my actions and investigation. Please remove this pubic record from my account ASAP.

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 2019-02-01
Company: EQUIFAX, INC.
State: TN
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 don't deserve this erroneous information, the accounts don't belong to me. I did not sign up for any of these. I have always been a responsible payor.. CFPB remove the accounts XXXX/XXXX XXXX, XXXX XXXX  XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX , ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: Coinbase, Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I called and emailed Coinbase in regards to selling and/or transferring my Bitcoin and Ethereum cryptocurrencies and eight months later the problem hasn't been solved. Also, I have USD currency in my account that I can't use to purchase cryptocurrency and/or transfer to external accounts. Coinbase keeps telling me they will assign a specialist to my case, they've assigned one six months after I filed my claim and he was unable to solve the problem. As of today, my situation hasn't changed but my account value has dropped by {$15000.00} USD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: NRA Group, 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:
NATIONAL RECOVERY AGEN # XXXX I'm unaware of this account and did not receive notification about of debt. If you believe you provided notification, please PROVIDE CERTIFIED RECEIPT. Also, please provide Assignment of Debt, Validation of Debt, and Method of Verification. Not to mention you would be in violation of my HIPAA Rights. Please honor all request of documentation.

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 2022-01-07
Company: EQUIFAX, INC.
State: TX
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:
Dear Complaint department please be advised this is my SECOND REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. As far as I know you are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated that you verified that these items are being reported correctly? Who verified these accounts??? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance I demand the following accounts be verified or deleted immediately. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX AXXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, I was an authorized user on a relative chase credit card and had asked to be permanently removed from my credit report which they agreed and also have that address removed from my report as I am no longer staying there. For some reason it is still showing up. Just looking to have this corrected and moved from all credit reporting company 's as promised

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-31
Company: Square Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
My complaint is against Cash App on XX/XX/XXXX my son XXXX XXXX put XXXX into Cash App for me. XXXX XXXX his mother. However, instead of using my bank information, they submitted it to a card of a former contractor. the card was used to send them money. The card belonged to XXXX XXXX. However, the money was supposed to be sent to me-XXXX XXXX. I have our entire conversation in a file below. Cash app asked me to call the bank to get the charges reversed, knowing the bank couldn't give me any information because I wasn't the cardholder. I spoke with XXXX XXXX and she closed the account in XX/XX/XXXX. She s [ spoke to the bank XXXX XXXX ( Prepaid account ) They said she closed the account XX/XX/XXXX and there hasn't been any activity on the card since then. The bank said in situations like that the bank returns the money with 2 days to the sender ( Cash App ). Gave Cash App the information XXXX customer service Rep said they saw that money was deposited in the account twice. XXXX completely ignored the fact that my son sent the money too me. Someone keyed in the wrong information. Now they are asking me to get proof from the bank. Which they can't because it's not my account. I asked XXXX XXXX to do it so I could attach it to the thread as XXXX asked, but the bank said they couldn't do it. I'm frustrated with Cash App. I removed XXXX XXXX 's card so they would not make the same mistake again. My son sent me that money for food and a pair of used shoes because I injured my knee. Cash App refuses to do the work and deleted the refund so the money wouldn't come back to the sender. See the attachment for full conversations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had money taken from me from my account through TD Bank and the bank refuses to look into this claiming that the account was supposedly purged.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
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:
Still having issues with the credit bureaus reporting erroneous information on my credit file.

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 2018-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I had a collection balance on a XXXX XXXX loan for {$9200.00}. XXXX agreed to settle my remaining balance for one payment of {$2000.00}. I am attaching a copy of the settlement arrangement to this complaint. I paid the {$2000.00}. I am also attaching a copy of the XXXX XXXX money transfer. Despite paying the settlement arrangement, as agreed, XXXX XXXX refuses to update my credit report appropriately. Its been nearly 4 months since the settlement arrangement was made and funded, and they are still reporting to XXXX, XXXX, and Trans Union that I owe them {$9900.00}.

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 2019-01-31
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Spoke with Midland Credit Management back in XXXX and was going to work with them. Gave them a date that I would get back in touch with them ( was within a week ) and they continued to call me 3 -  5 times a day until that date. On that date I informed them to stop calling me as it was interrupting my work and daily life. 

Afterwards the calls picked up. I get calls anywhere from XXXX to XXXX CST 7 days a week. Currently I have blocked over 30 phone numbers that Midland has used to call me. Many of these numbers are not active so I suspect they are spoofing their caller ID. 

This is beyond harassment and is very unprofessional. I could understand if they called once a day Mon- Fri but as I stated I have blocked over 30 numbers belonging to them and those are just the ones that I blocked. I keep records of every call that they make to include date and time. 

I wish to handle this without litigating matters but if it comes down to it I will do what I have to do.

Company response to consumer: Closed with non-monetary relief