BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-02
Company: EQUIFAX, 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Nickel City Group LLC
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX contacted my MOTHER and told her hes a legal advocate on my behalf, which gave her unnecessary personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: DISCOVER BANK
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A Discover Bank # XXXX in the amount {$7600.00} reflects on my credit report that is fraudulent. I never obtained credit from Discover nor have I applied for credit with this company. I have contacted Discover and XX/XX/XXXX about this matter and they have continued to give me the same frivolous response by continuing to report false information. I've provide them with all the proper information to resolve and to correct this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-13
Company: AmeriCollect
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Medical billing company refuses to acknowledge billing error. Will not engage for review and have now proceeded with collections process. 


********** details of issue **************** Wife scheduled a " XXXX XXXX '' exam and  attended the scheduled exam. 

Insurance ( XXXX ) benefits indicate a {$0.00} copay for this service XXXX  mis-coded and has attempted to collect a {$25.00} deductible I contacted XXXX regarding the issue. They agreed with our position and indicated that it should have been coded as a " well woman '' exam with a {$0.00} deductible I shared this info with XXXX, and the person on the phone indicated that there was nothing she could do ( NOTE : Ive had multiple conversations with their clerks over the course of time between XX/XX/2018 and now. ) I asked her to escalate my call to her supervisor. She indicated that she could not, but I could write a letter to their billing complaint department. She indicated that they would call me to discuss the issue. 

I wrote the letter and mailed it to their offices on XX/XX/2018 and as of this date, I have received no communications from XXXX  except for a billing statement indicating an overdue balance of {$25.00}, and XXXX based collection phone calls to my wife. ( I can share with you the letter if you need it ) Ive indicated on each phone call to the billing department that the charges are erroneous and that I wish to dispute the charges. Ive followed the instructions for submitting a written dispute to their offices, yet, XXXX XXXX XXXX seems unwilling to honor my request to dispute the charges. 

My request of your offices is to help me initiate the dispute procedure with XXXX. Each phone call Ive been told that if I dont pay the bill, they will send it to collections which will have a negative impact on my credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/2021, I sent a letter to formally make a complaint about my incomplete and inaccurate credit information. As I know, It violates the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), and thus I wanted to have it investigated. I also demanded that they provide verifiable proof that has my actual signature in it. Additional information regarding this will be uploaded and I hope that this issue will be taken care of.

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 2021-06-02
Company: EQUIFAX, INC.
State: SC
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:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Coinbase, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Coinbase has taken money out of my bank account, which was authorized. However, they have now locked me out of my account where I can not access anything. I can not buy sell or trade my virtual currency. That is theft. In any other forum, that would be known as a scam. My emails are now going unanswered, and there is no live person to speak to. All I want or desire is for my account to be unlocked so I can withdraw the money I have in there.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-02
Company: Frost-Arnett Company
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Within the past 30 days, I started receiving robocalls from Frost Arnett. I didn't answer the calls because my XXXX call filter app marked the incoming calls as a robocaller and potential scam. There were never any voicemails left to indicate who was calling and what business they had with me. I also blocked each call as it came in, but the calls were always from a different number to evade the blocks. 

At this point, the robocalls were coming in regularly so I reverse XXXX searched the numbers and it came back as Frost Arnett. So I called them to find out why they were calling and I was told I owed money to XXXX XXXX. I had been paying according to an agreed-upon payment plan on their website since I got the first bill. I was never late or short on any of the payments. 

At the time Frost Arnett contacted me, the debt was down to {$30.00} something dollars. I told the agent I was paying on the XXXXXXXX XXXX  website and would continue to do so. I had received nothing in the mail from Frost Arnett at that point, and the agent recited my correct and current mailing address. After getting off the phone with the agent, I immediately went to the XXXXXXXX XXXX website and paid off the balance. There was no indication on the billing website that the account was late, in arrears or placed with collection. I had also never received any mail from the XXXX XXXX office reflecting a negative account status. I had been paying as agreed, then the sudden robocalls began. 

Today, on XX/XX/XXXX, I received yet another robocall from Frost Arnett, again from a brand new number to evade the blocks. I told the agent I paid the debt and it was paid directly to the XXXX. The agent said it could take 30 days for something to update in their system to reflect that. The agent then attempted to get my place of employment and email address after she was told the debt was paid. 

At this point, I do not believe Frost Arnett is going to cease robocalls and other collection attempts, though they have been notified the debt is paid. They have a multitude of negative reviews online, outlining shady and criminal collection practices just as I have unfortunately experienced here.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: Franklin Collection Service, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Contacted by Debt Collector, Franklin Collections Services , Inc. ( FCS ) in regards to repayment. I spoke to a Representative & agreed to pay {$50.00} per month through auto withdraw from my checking account. Instead of taking {$50.00} as agreed, they took an additional {$15.00} with each payment, which was not disclosed at time of making the repayment agreement. FCS did 3 transactions over a 3 month period after my Bank Institution stopped all payments. FCS was notified by telephone as well as Email to stop all withdraws as well as provide recorded conversations explaining that I was notified of additional fees & so far, FCS, has failed to do so & withdrew on my account. After payments were reversed 3 months later, FCS charged me a fee for reversing payment which again I was not notified of & FCS was notified to again, stop. I have made several calls to rectify this & told I would be called back by a Supervisor that never came about. Additionally this Debt Collector is not licensed in the State of New Jersey, which I reside in. 
Dates of Withdraw XX/XX/XXXX {$50.00} + {$15.00} XX/XX/XXXX {$50.00} + {$15.00} XX/XX/XXXX {$50.00} + {$15.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have contacted the Bureaus Transunion XXXX, and XXXX, I have received confirmation from the US Bankruptcy Court Stating they did not furnish my personal information to the reporting agency. I demand to have this Bankruptcy removed from my profile as it is in violation of my rights and they have obtained my information without my consent from public records.

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 2020-05-17
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:
Someone use my identity to open several fraudulent accounts in my name I was not aware of any of these accounts I am victim of identity theft I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA 's. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2021-10-31
Company: EQUIFAX, 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: Account information incorrect

Complaint:
The XXXX  At EQUIFAX, Refuse To Update Mt Credit Report ( They Hate To Raise My Credit Score ). I Don't Want Them Touching My Personal Financial Information Anymore. They Refuse To : Show My XXXX Balance Of {$2000.00}, PAID OFF Weeks Ago. They Refuse To Show My XXXX XXXX CREDIT CARD Balance Of {$17.00}, PAID OFF Weeks Ago. The Refuse To Show That I Paid {$1000.00}, To My XXXX XXXX LOAN. They Just Finished A Investigation Of My Credit Score, And They Refused To Update My Credit Score?????. What Is Their Problem? I Want To Sue Them, For Intentional, Manipulating, My Credit Score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Experian Information Solutions Inc.
State: CA
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 have filed disputes regarding XXXX XXXX XXXX and provided proof that they have been reporting an account that does not belong to me. They have now started to call me and attempt to collect the debt even with out providing proof or even investigating. I've had this dispute open since XX/XX/2020 and this has not been removed. I have had numerous problems due to Experian 's data breach and they are not helpful at all in resolving issues. I'm trying to buy a home for my family but can not because they wont do what is required under the FCRA. I've written letters and called and there is no way to reach a person.

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 2021-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have filed disputes regarding XXXX XXXX XXXX and provided proof that they have been reporting an account that does not belong to me. They have now started to call me and attempt to collect the debt even with out providing proof or even investigating. I've had this dispute open since XX/XX/2020 and this has not been removed. I have had numerous problems due to XXXX XXXX data breach and they are not helpful at all in resolving issues. I'm trying to buy a home for my family but can not because they wont do what is required under the FCRA. I've written letters and called and there is no way to reach a person.

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 2020-07-02
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I went to XXXX XXXX in XXXX applied for the store card, and was given a credit limit of {$500.00}, I made a purchase that day {$75.00} & was waiting for my store card in the mail, I hadnt received it yet after several weeks so I called & had XXXX XXXX confirm address which was incorrect & they had sent the cc there. I asked that card be canceled & new one issued. After that I finally received my card & making monthly payments every time I tried to use my card it was declined. Long story short, I have not been able to card purchases so I called XXXX  XXXX customer service & they said I had no restrictions, I was never able to use the card to this day ( present day XXXX ). Any purchase I make at XXXX  XXXX is in cash. I make monthly payments & Comenity Bank & I have spoke with them & they are very rude ( customer service ) I have had my XXXX  XXXX card for more than 2 years to date, my balance is over {$300.00} balance. How can I have a high balance like that if I cant use the card, I pay monthly & Comenity Bank tells me, when I speak them that I dont make payments. I know XXXX XXXX is going out of business too. This unfair to me I have been paying for my card & I cant even use it, for many years. I have an example that something isnt going right, before the Pandemic hit I paid XXXX minimum payment & on my bill reflected on my due date I paid it on time & a late fee was charged, I called Customer service @ Comenity Bank told me I was suppose to pay Double that. I hope someone can help me thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: JPMORGAN CHASE & CO.
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I purchased 4 airline tickets for my self and family with XXXX XXXX for travel from XXXX XXXX to XXXX between XX/XX/XXXX & XX/XX/XXXX in the amount of XXXX. The purchase was made on my Chase credit card. Between the purchase and planned travel dates the global pandemic ( COVID 19 ) caused XXXX  ( and all other airlines XXXX to cancel non essential travel. At the time XXXX allowed passengers until XXXX or XXXX of XXXX to rebook the flights at no additional charge. As the pandemic continued non-essential flights between US & XXXX were still restricted by government and it was not possible to rebook by the fall of XXXX. At that time XXXX allowed travelers to convert the tickets to points that could be used in the future to rebook the flights. Then on XX/XX/XXXX XXXX announced they were canceling all US based flight & terminating transatlantic flights. With the cancelation of US based flights we now have unusable " points '', and opened a dispute with Chase on XX/XX/XXXX after becoming aware that it was now IMPOSSIBLE to use the service we paid for since XXXX  no longer flys out of the US & offered no alternative means of transportation between the US & XXXX. On XX/XX/XXXX Chase mailed a letter denying our dispute stating that " the charge took place too long ago ''. Leaving me and my family at a loss of several thousand dollars for travel arrangements that the original merchant ( by choice ) is not capable of honoring.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: PNC Bank N.A.
State: VA
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:
PNC bank failed in the electronic funds transfer that has been in place for over 24 months at the time of origination. I had made Principle only payment on XX/XX/XXXX and again on XX/XX/XXXX. The customer service representative did something wrong and my EFTs stopped. I was unaware of the problem until I received a Late payment notice. 
Monthly Payments - {$500.00} I called and spoke to XXXX XXXX in Loan servicing about the problem., and he assured me that the problem was corrected. 

In XX/XX/XXXX I received another Late payment for being late for two months. 
I again called and spent 2 hours trying to resolve my issue. 
After trying to reestablish my EFT, it was determined that my account was frozen and the only way to become current was to send in via a check payment. 
The stated reason was that PNC IT systems were not sync and an upgrade caused the EFT to stop. 
The resolution that XXXX XXXX am I worked out was to pay off the entire loan. 
The Loan was paid off via an EFT - XXXX. 

The title has been received. 


When I paid off the loan XXXX XXXX again assured me that my credit would not be impacted. 
I check my XX/XX/XXXX Credit score and it was XXXX. The Credit Score in XX/XX/XXXX is now XXXX. 

I have an escalation pending with PNC Bank I opened the escalation on XX/XX/XXXX. 
XXXX XXXX XXXX, VP is the representative XXXX XX/XX/24 Called PNC - XXXX XXXX about the credit report. 
He could not open my escalation file. 
Had me call XXXX the main PNC bank number Been on hold for 20 minutes while going through VRI system to get to Escalation department. 

Spoke to XXXX XXXX XXXX - she was out for XXXX from XX/XX/XXXX to XX/XX/XXXX. 
She said a letter was send stating my credit was negatively impacted. I did not get the letter through USPS. 
Requested that the letter be emailed to me. 
Requested the name of her boss for further escalation - XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: Experian Information Solutions Inc.
State: TX
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 look at my Credit Reports and found the following errors : XXXX XXXX # XXXX I do not recognize this account, please verify with proof or delete XXXX   # XXXX I do not recognize this account, please verify with proof or delete XXXX XXXX XXXX # XXXX I do not recognize this account, please verify with proof or delete XXXX XXXX XXXX XXXXXXXX XXXX XXXX I do not recognize this account, please verify with proof or delete XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize this account, please verify with proof or delete XXXX XXXXXXXX XXXX # XXXX I have never late. Verify records or delete late records XXXX XXXXXXXX XXXX I have never late. Verify records or delete late records These are addresses I do not recognize, please DELETE XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX, OXXXX XXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, OK XXXX My only phone number that are correct : XXXX. Please delete all other phone numbers. 

There are variations of my name which are not correct. Please delete name variations. 

There are variations of my Social Security Number, which is a red flag why there are accounts I do not recognize. Please verify my SSN and remove any variations.

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