BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-07
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I have been trying to get access to my account with Coinbase for 3 months. I have an account tied to a student email address at a school which I no longer attend and I can not get access to said coinbase account, as I no longer have access to this email address. I still have the username, password, and the 2 step authentication still comes to my phone - but I can not verify the account via the email address. I have talked to coinbase numerous times, and they are never helpful. They actual told me that everytime I call of email, my request actually goes back to the back of the line. They say the best way to resolve this issue is to stop calling and wait. I originally contacted them in early XX/XX/XXXX, and I contacted them roughly 10 times between then and XX/XX/XXXX. I stopped calling them at this point in hopes that they would give me access to my account so I can withdraw my funds. They have done nothing. I need someone to help me gain access to my money, as coinbase is doing absolutely nothing to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
See document attached

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 2022-01-10
Company: EQUIFAX, INC.
State: TX
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Deinde Online Services, LLC
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Called XXXX XXXX XXXX XXXX  day after day at my place of employment even when told to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
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: Information belongs to someone else

Complaint:
Nelnet is continue to put false information on my credit report. They say they have a promise note that I am sign for. I am questing that Nelnet pick one day out of month of XXXX, and we meet in XXXX and have expert look at promise note and I will be able that it counterfeit promissory note. I think it wrong for Nelnet to try against of XXXX people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: Big Picture Loans, LLC
State: FL
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:
my credit report shows a debt in collections from a peppercash.com. A payday loan that i never applied for, nor recieved any money from. This is a known payday loan scam ( tribal ). The amount is for {$800.00} and shows as a negative collection on all of my credit reports. I have contacted the original debtor, whom offered no assistance, unless i gave them my privite social security number to look up the original loan details, which i refused to provide. peppercash   telephone agent could not look up any details of loan and instructed me to reply with inquiry to the following email. 

XXXX upon investigating, i have. discovered that this is a known company & scam. Please accept my report/claim, and assist me in getting this fruadulent loan removed from my credit reports. 

Red Rock Lending www.peppercash.com Big Picture Loans

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
Company: WELLS FARGO & COMPANY
State: TX
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:
Contacted Wells Fargo back 2018 about settling this account. Was told the account was to old it was in the best interest of the bank just to close the account without any payment. Now the account shows as settled for less or charge off. I Was rejected for a new loan due to this fact. In good faith please remove this from my credit 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 2020-09-13
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have submitted disputes with proof uploaded to all three of the credits and I am receiving no response. I have requested for them to investigate and send me proof from the creditors and still receiving no response and the incorrect information is still on my credit. Please help me to resolve this matter. 
Dispute submitted on XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. 
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 2023-08-07
Company: Client Services, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received correspondence from XXXX XXXX XXXX about an alleged debt in my name. I have no business dealings with them and have no idea who they are

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Bread Financial Holdings, Inc.
State: CO
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:
This debt collected is calling me on No caller ID 4-7 times a day. They call on sundays even. They call constantly all day everyday. Then they call with their number showing. Ive asked them numerous times to stop but they wont. Its comenity bank for XXXX and XXXXXXXX XXXX This has started on XX/XX/ and has not stopped. I cant even sleep and rest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have spoken with several people about the same issue. It was reported in XX/XX/2017 that I was late on 3 of my credit cards ; cards ending in XXXX, XXXX, and XXXX ). When I originally spoke with someone, due to the issue with the autopay and one of the payments being short XXXX  cent, the late fees were removed due to inaccuracy and it was supposed to be fixed with the credit bureaus. On 2 different occasions, a rep told me it would be resolved. When I called back for it not being resolved, I was told the reps didn't add notes and there was nothing they could do. I've been giving the run around and hung up on many times. I can't get anything resolved and they won't fix the issue. The information is inaccurate and I was advised that it would be resolved. If my payment activities are reviewed, they will show that this issue is the only time I've ever been " late '' with my payments. In actuality, I've never been late, this was an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: Experian Information Solutions Inc.
State: AR
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 help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX  XXXX {$510.00} XXXX  XXXX {$0.00}

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 2020-09-13
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
We made a purchase at XXXX XXXX using their Comenity Bank credit card, interest free for 12 months. We were told that if we make all the payments according to their billing, the purchase will be payed off in it's entirety, incurring no fees or interest. We did exactly that. With no notices or warning, they conveniently made their last payment due 2 weeks after the 12 month contract would expire. We have already overpaid our purchase to them by {$50.00}, plus another {$16.00} in interest they sneaked in our payments. They now want an additional {$590.00}. in interest and fees. We have spoken to their customer service representatives on XX/XX/2020, and even to the Floor Supervisor XXXX, his operator ID being XXXX, and were told that they couldn't do anything at this time, that's the way it goes. We are hard working honest people, and would've given them the extra {$180.00} if we were instructed to do so per our billing contract. He also told me that they have a warning statement that the loan is coming due, but this is in their website that you have to log onto, click around, and hopefully locate. Nothing was sent saying anything of this sort to my " Paperless Billing Email ''. All that my email said was that the amount due was {$200.00}, this not including the {$180.00} that would've paid this account in full, actually overpaid by {$66.00}. This is my Dilemma. XXXX  ( XXXX XXXX ) has exhausted their abilities to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was notified that I had a balance due on a bank card. I attempted to find out what the status was on the XXXX XXXX XXXX  card XXXX. My credit limit was only XXXX and they say I owe XXXX. The amount of debt they were reporting was not the correct amount, as it far exceeded the credit limit. I had moved and was not aware any balance on the cards. 

I requested for over a year from XXXX XXXX copies of the debt so I could review and resolve the amount owed. During the process XXXX XXXX closed the account and charged it off. They also sold the debt to LVNV Funding who purchased my bank card debt. I have for the last 6 months requested from LVNV  the same detail on the charges on my bank card. LVNV was collecting the charge and then purchased the debt. 

In both cases I have never received any information on the bank card. It is outrageous that neither XXXX  XXXX nor LCNV did not send me the information and now I have charge off, I have an amount that far exceeds what I would have owed and the situation is as bad as it could be. 

Because of this I am unable to rent an apartment or find a job, I have few resources very little recourse. My credit has been significantly affected by this and consequently especially due to the current pandemic I have few options. 

I am asking to resolve the situation with the receipt of information from LVNV with proof of the debt, in detail including all items, debt owed, interest or other charges and for the elimination of the negative reporting by XXXX   XXXX and with LVNV to negotiate a settlement of the correct debt and the elimination of the negative reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
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: Information belongs to someone else

Complaint:
I have never entered into contract with this company and requested proof but never received. I need this information verified. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XX/XX/XXXX Correspondence Address : Dept of ED / XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Payment Address : Dept of ED / XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Debt Validation Request Account Number : XXXX, {$2100.00}, XX/XX/XXXX. 
XXXX, {$1500.00}, XX/XX/XXXX. 
XXXX, {$6100.00}, XX/XX/XXXX. 
XXXX, {$3600.00}, XX/XX/XXXX Creditor Name : XXXX Original Amount : {$13000.00} Date of Debt : XX/XX/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 non-monetary relief
Consumer complaint received 2023-04-18
Company: EQUIFAX, INC.
State: MI
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 accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Account name : XXXX XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I have sent in a letter in the middle of XXXX addressing the problems with my credit report and they were not all addressed. I am devastated that they have included the information in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. They are violating many of my rights and are civilly liable. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they were required by federal law to verify, through the physical verification of the original signed consumer application, any and all accounts that you post on a credit report. Although they did not supply the contract like I asked, in response, they have sent back documents stating factual evidence to support their assertion ( a violation of 15 USC 1681 ( a ) ( 3 ) ( e ) ) and did not interview my friends, family, neighbors, or associates like the law requires in 15 USC 1681 ( a ) ( 3 ) ( e ) under the exclusion section. They are also in violation of 15 USC 1681 ( a ) ( 2 ) ( b ) under the exclusion section. Congress says anything that extends or was authorized from a credit card or similar device should be excluded from a consumer report. A " credit card '' is, in fact, not an XXXX XXXX or XXXX credit card because the actual definition says " any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' Also known as my Social Security Card, Driver 's license, and more. They have failed to realize these mistakes on their behalf and should remove these items immediately. They have also failed to recognize that only I, the original creditor, can verify. Please act upon this matter and 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 2020-09-13
Company: Account Resolution Corporation
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Due to the pandemic that has taken place, I have closely been monitoring my credit reports. My credit reports have ( 5 ) five different amounts from Account Resolution whom they have stated I owe Account Resolution. Of these five debts, two are the same amount. ( {$200.00}, {$88.00}, {$120.00}, {$120.00}, and {$160.00} ). After speaking with a representative from Account Resolution asking repeatedly to send me documentation of these accounts, services date, signed and verifiable signature of a contract that they say I have with Account Resolution, absolutely nothing has been sent to me. I have repeatedly sent letters to the Account Resolution asking them to remove inaccurate accounts that they are reporting on my credit reports, up to last month XX/XX/2020. I am aware the FCRA promotes accuracy and fairness in the files of consumer reporting. I have no affiliation with Account Resolution and neither have I used their services for them to say that I owe them money., I have no file, no account with a verifiable contract with a legal signature, nor are there any documents this company-Account Resolution can furnish to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX {$24000.00} XX/XX/XXXX In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

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 2020-12-05
Company: Harris & Harris, Ltd.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I tookna look at my report and there they were. A Unknow company named HARRIS & HARRIS, I was puzzled because of where they were located. The credit report had no phone number or account number i XXXX them address match. I called them i inquired about this unknow debt. I gave him my information they did not have me in their system by name ss phone address nothing. I asked the man how was it they were on my credit report he did not have a answer. He appologised asked me to call the credit bureau to get it deleted. XXXX sgould not allow some strange company to put a debt onnmy report with no due process i never eecieved a letter from them accusing me. I never got my 30 days to rebutt, thats unlawful. They are attorneys they should know about due process. When they buy these fraudulent fake debts they figure due process doesnt apply when trying to get paid. I got news, i want all the protections the law allots me. I do not consent and i want this resolved asap or i will seek remedies that has been put in place to protect us from predators like HARRIS AND HARRIS AND ENABLERS LIKE XXXX. Violating the privacy act, FCRA, FDCPA. I never signed a hipaa release form for any 3rd party to see my medical records. This fraud inaccurate False so called debt is hurting me my family in a pandemic. Send me the contract i signed with you consenting to doing business with you. No contract no debt.Delete this off my report within 30 days per the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Commonwealth Financial Systems reported a medical collections account in the amount of {$1500.00} to XXXX without notifying me of the debt and giving me an opportunity to dispute or validate the debt.

Company response to consumer: Closed with explanation