BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-12
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Coinbase and XXXX I have reached out to coinable because they locked my account with {$5000.00} in there. I also have deposited over {$200000.00} into the account and transferred the funds from Coinbase to a FRAUDULENT XXXX XXXX. The {$200000.00} was transferred over time and Coinbase will not assist in tracking these assets. I have also used XXXX to Deposit over {$200000.00} and transfer to a FRAUDULENT XXXX XXXX. XXXX has not contacted me from the email I sent them in regards to this ... CoinBase told me to verify my ID again, remove my {$5000.00} and never use CoinBase again, this was sent to me by email from their customer service. 

I still have not found someone to track the funds. CoinBase and XXXX are experts in this field and have the ability to assist in tracking these funds but refuse to help after several emails and complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: DCI Credit Services, Inc.
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing for your help in addressing the problems I am having with DCI Credit Services , IncXXXX ( XXXX XXXX XXXX XXXX ND XXXX XXXX ) On three separate occasions they have taken money paid on a debt and misapplied the payment to incorrect accounts. 
For all my payments I have instructed in person ( via phone ) their office how to apply each payment. 
I was given confirmation numbers and assurances that the money was being applied correctly only to find out the next month that the payments were made to the wrong accounts. 
They continually blame their posting department and failed to make the necessary corrections. 
I have no record from them of what my total debt was and how much i have paid or where my payments were applied. 

I am asking your department to conduct an investigation into this company and protect me from further fraudulent misplaced payments. 
At this time I have no idea what I owe and what has been paid or where it has been paid to. 
I have not received any satisfactory explanation from the company. 
I have no clear records of what has been paid and to where my payments have been applied. 


Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: Experian Information Solutions Inc.
State: ME
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:
On XXXX XXXX, XXXX, I was removed as a XXXX % partner in a business, and the business partnership was dissolved. As shown in legal documents that I sent to all three of the credit reporting agencies as well as to two credit card companies, XXXX XXXX and XXXX, that the remaining business partner, assumed all debt associated with the company including credit cards, and that I was not responsible for the debt and wanted these two credit cards removed from my credit report. 

I have since pulled credit reports. XXXX and XXXX have removed these two cards from my credit report. Experian sent me a letter stating that they were unable to use the legal documents I provided with my dispute and are not able to make the changes I requested ( removing the two credit card that do n't belong to me from my credit report ). They are contacting the furnisher of the information or the vendor who collected the information. The furnishers of the information is XXXX and XXXX XXXX. After speaking with XXXX XXXX they took further steps to close the account in my name, and confirmed they had the legal documents I sent and agreed that I was not responsible for this debt and that they would report to the credit bureaus to remove this account from their records. My calls to XXXX XXXX has been less than satisfying and to date I have not received any confirmation from XXXX that they have reported to Experian that I am indeed not responsible for the debt and that it has/will be removed from my credit report. 

.

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 2017-06-28
Company: Clarity Services
State: IL
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 received an alert about inquiries on my credit report. I checked it and Clarity Services Inc has pulled my credit XXXX times. XXXX times on XX/XX/XXXX, once on both XX/XX/XXXX and XX/XX/XXXX. I am unsure what this company is, but from what I 've seen it is some sort of payday loan company. I have not applied for, nor would I ever take out a payday loan. I want these off of my credit, have contacted the company with no response and do not want them allowed to do this again. I am trying to build my credit, and repeated, unauthorized inquiries are not going to help that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: Ocwen Financial Corporation
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
my name is XXXX XXXX. We have been fighting forecloser for almost a year. we thought were making some progress. We found out on fri. XX/XX/XXXXthat our hpme was sold by the mortgage co. there name is ocwen finance. we were not notified in anyway. I've called them, but could not get an answer. I don't know what to do. my wife and I are on social security, so we don't have a lot of money to hire a lawyer. Please help us, if you can. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: Harvard Collections, LLC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company was listed on my credit report failure to send me anything in the mail giving me a right to dispute this debt that I DO NOT OWE. Not only do I not have a contract with this company they have been selling this unverified account from one collection agency to the next after I have thoroughly researched this matter and have disputed this account several times and since it has not been verified by the last two collections agencies they keep selling these unverified accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: USCB Corporation
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never went to school at this place so Im not sure how do I have a bill here!! Havent been enrolled at a school in years!!!

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 2018-11-17
Company: Diversified Consultants, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
my identity was stolen in XXXX and several accounts have been opened using fraudulent addresses here are some of the addresses XXXX XXXX XXXX XXXX nc XXXX ... XXXX XXXX XXXX XXXX nc XXXX XXXX XXXX XXXX XXXX nc XXXX .... I have been / mailing this company since XX/XX/XXXX trying to get this taken care of and telling them this account was fraudulent that have continued to report these accounts even after knowing they were from fraud accounts are XXXX / XXXX from diversified consultant

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: EQUIFAX, 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: Account information incorrect

Complaint:
THIS COMPANY IS REPORTING FALSE INFORMATION AND ITS DETRIMENTAL TO ME AND MY FAMILY XXXX XXXX XXXX IS REPORTING THIS CAR AS A REPO AND ITS BEEN PAID FOR TWICE IN FULL ONCE BY ME THEN THEY REPOED THE CAR AND SOLD IT AT A AUCTION. I NEED MY CREDIT REPORT UPDATED TO PAID IN FULL!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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 change. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2018-11-17
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: Account information incorrect

Complaint:
XXXX XXXXXXXX XXXX ( XXXX ) claims I did not make my XX/XX/2018 payment and is reporting it late on my credit report. There was a XXXX dollar balance on that account and there was no payment due. So no payment was made for the XXXX because no payment was due. XXXX has blocked my online access to this billing statement and I can not get access. 
I requested online through the XXXX website XX/XX/2018 for a copy of this statement. Today XX/XX/2018 I called XXXX and made a verbal request for a copy of that statement. 
XX/XX/2018 billing statement for the period XX/XX/2018-XX/XX/2018 had a current due amount of {$31.00}. Plus a {$36.00} late charge for XX/XX/2018 which had a XXXX balance. I made a {$50.00} payment to XXXX on XX/XX/2018. XXXX has reported that my XXXX payment is delinquent to the credit all 3 credit agencies. 
Additionally I have made a {$200.00} payment to this account on XX/XX/2018. 
XXXX is reporting two months of delinquent credit card payments which is incorrect. If they would provide me with a copy of the XX/XX/2018 statement it would prove that they are in error but as of now XXXX has blocked my attempt to access this information. 
I am attaching a screen shot of my account statements showing the XX/XX/2018 is not available online for my access.

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 2023-03-30
Company: EQUIFAX, 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:
In XXXX of XXXX I purchased earrings for my daughter 's XXXX birthday from a XXXXXXXX XXXX department store in XXXX, Oklahoma. When I did not receive a bill from XXXX XXXX I sent them a check on XX/XX/XXXX for the entire purchase price of {$170.00} which they received and deposited three days later on XX/XX/XXXX. I have copies front and back of the check proving XXXXXXXX XXXX received the check and deposited it. They never credited my account. I spent literally hours on the telephone with XXXXXXXX XXXX explaining and providing copies of the cashed check. They would not listen but turned the account over for collection to XXXX XXXX XXXX XXXX based in XXXX, Florida. I again spent hours on the phone with different representatives of XXXX XXXX and sent them copies of the cancelled check front and back with no success. Throughout the process XXXX XXXX continued to add interest and late fees. Eventually negative information was shared with all three credit bureaus and my credit was and continues to be severely damaged. I filed a dispute of the negative information from XXXX 's with Equifax on XX/XX/XXXX but never received a response from Equifax. I spent nearly an hour on the phone with Equifax today with no benefit other than being cut off after speaking with two representatives. I am am retired attorney with a high net worth. It was never a question of my ability to pay. I paid on time and in full though I had not yet received a bill from XXXX XXXX. Though I live out of the country my credit is important to me. I need to get this travesty straightened out and will do whatever I need to do towards that goal. My email is XXXX. My telephone is XXXX XXXX XXXX. Thank you in advance for your time and attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: CCS Financial Services, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX says I owe them {$210.00} for auto insurance. They took my payment out of my checking on XX/XX/2023. I cancelled my insurance on XX/XX/2023. It seems they are trying to charge me for another month. I do not owe it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1 FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 
2. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 
13 FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 4. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Experian Information Solutions Inc.
State: CA
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 Reporting act XXXX 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

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 2019-07-26
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have disputed the late payments on US DEPT VETS XXXX, US DEPT VETS XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX accounts for months. The accounts were reported as charge off " open '' with balance. High credit balance, if its different with other credit bureaus, where are these numbers come from? Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: PNC Bank N.A.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Within the past few weeks I took a personal loan at 9.99 %. This rate included a quarter percentage discount so as long as there was an auto pay set up. For money management reasons, I wanted to change the account the auto pay was on and called the bank to see how to do this. I was walked through the process but was never told that by changing the account that I would lose my quarter percentage point deduction. When I saw that my rate changed to 10.24 % I called to get this fixed and was told that auto pay is not the same as an automatic deduction. Word play essentially. They would not give me my discount back even though I set up the auto pay. This is a low level tactic to use word play and say its one thing but not another. There is no way to get an automatic deduction on the website. I feel mislead and taken advantage of. 
Dont take a personal loan from PNC . If you change how you want to pay they will take your discounts away.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was notified via text message from USAA of possible debit card fraud on Thursday, XXXX XXXX, 2017 at  XXXX XXXX. I immediately replied to the text that - yes the charges were, in fact fraudulent. The fraudulent charges totaled {$1900.00} - nearly {$2000.00}. <P/>Given that USAA prides itself on good customer service, I expected that I would be given provisional credit, until the dispute could be investigated. USAA does not have many brick and mortar branches, so I moved my household account there because I had expected they would put their money into superior customer service. However, I am wrong in my assumption. <P/>After the text on XX/XX/XXXX and my subsequent call to them on the same date - I did not hear anything back from them. No phone call, no text - no email. I checked my account every day and noticed that although the charges stated pending - the monies were deducted from my available balance. It was n't until today, XX/XX/XXXX ( 5 days later ), when I called them to find out about the status of my claim. <P/>I was told today and my account revealed that USAA had finally reimbursed me for the fraudulent charges. <P/>I am so disappointed in USAA 's lack of customer service. No calls, texts, no communication as to the status of my dispute claim for fraud. This was clearly fraud. There should be an algorithim to detect that this was out of pattern for my profile. This is unacceptable customer service. I am so surprised with this treatment. Most banks will give provisional credit and then investigate the claim. <P/>Wow - I still can not believe the lack of customer service. I will not be using my USAA debit card anywhere. Only for ATM withdrawals. <P/>I hope that USAA Senior Management sees this complaint Regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: EQUIFAX, INC.
State: CO
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 Fair credit reporting act 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 also states a consumer reporting agency can not furnish a account without written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio Recovery has repeatedly called and sent invoices for balances that are not my responsibility. I have sent detailed letters giving them 30 days to send me information VALIDATING the accounts and they failed to do so. They simply respond with the previously sent invoice stating the accounts have been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Experian Information Solutions Inc.
State: CA
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 Reporting Act the following Accounts, have 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 an account without my written instructions.

15 U.S.C 1681 ( 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. 1681-2 ( 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.

I've been a victim of identity theft and never applied for any of these accounts : Experian : 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