BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-15
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I met someone on a dating app called XXXX and quickly started to get to know the person. We started to talk about our future and she mentioned that she would help me earn money through investing my current saved funds. She convinced me to wire money from my bank to my coinbase wallet and eventually to a trading account through this site : https : //www.coinbasetvte.net/ # /. I invested over XXXX $ into this and she helped me to make a " profit '' of XXXX for a total of XXXX. When I tried to access the money, the trading account " froze '' my funds and would not let release my money. They first convinced me to pay XXXX $ in " handling fees '', once this was paid, they claimed that I need to pay taxes on my profits with an additional XXXX XXXX Once I paid these taxes, they then went on to say that I need to pay a XXXX $ late fee for not paying the taxes on time. Even after all of this, they required me to pay a XXXX $ deposit if I wanted to access my funds. Once I paid the deposit, both the person I met as well as the trading site provided above stopped replying to my inquiries. I now have XXXX $ that I am unable to access. All of my wire transfers were set to buy XXXX and pay this trading account to the following address : XXXX. I am now at a significant financial loss with now way to recover any of the money that I have invested.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: BRAUFMANN, LEIGHMANN & ASSOCIATES
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received phone calls from Braufman. Leighman and associates They said I owed a debt from XXXX XXXX XXXX Account from 2014 in the amountvof {$2800.00} They said I would be served papers at my job They had me sign XXXX and pay a lower amount to take care of this

Company response to consumer: Untimely response
Consumer complaint received 2022-03-02
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX has violated my rights.

15 U.S.C. section 602 A. states I have the right to privacy 15 U.S.C. 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any puropose

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 2016-12-23
Company: Paypal Holdings, Inc
State: NY
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other service issues

Complaint:
Paypal has been limiting, freezing, and holding random accounts so the money that 's in the account can not be used/accessed so they can use the money they freeze, to operate their business!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: AR
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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: Nelnet, Inc.
State: IL
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:
this student loan company called nelnet has bought my student loan acct, the problem is that i have asked for forbearence and derfermehnts in the years XXXX,XXXX,XXXX,XXXX. my recent credit should be good and payments up to par, no past due. instead the company has my credit with past due., i have followed the procee and made the companyies awre of thier worngfull reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: AR
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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: DISCOVER BANK
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: Card was charged for something you did not purchase with the card

Complaint:
My credit card has been used repeatedly without my permission. Fraudulent charges have come up on my account. People call the house claiming to be representatives that are going help resolve the situation but nothing changes and now one account has gone to collection. Ruining my credit, reputation. And way I supplement my income. I am a XXXX XXXX XXXX man that does travel outside of Georgia. I do mot charge XXXX, dinners, travel hotels apartments. I only made a little over {$17000.00}. I have never been to California. I want this fraud to stop and persons caught. I want this account closed. Reissue another card that cant be scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
All three credit bureaus the XXXX XXXX and several other data collection systems noted on the ftcc website are refusing to correct inaccurate information and only want to steal information to continue I am not volunteering any further information they will find my files they will correct the problem they will delete the inaccurate information or they will pay me XXXX XXXX per violation. If I catch any Bureau pulling another one page stunt as if they are openly refusing they will get sued immediately.

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 2019-10-18
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX XXXX XXXX is reporting incorrectly a balance of {$150000.00} to XXXX ; Experian and XXXX on the XXXX XXXX XXXX partial account number XXXX. The actual balance is {$28000.00} pursuant to the statement dated XX/XX/2019 from XXXX XXXX XXXX. ( Please see page attached from my credit report as well as the statement datedXX/XX/XXXX from XXXX XXXX XXXX. ) On XX/XX/2019 a Consent to Final Judgment of Mortgage Foreclosure was filed on my behalf. ( Please see document attached. ) Because there is a signed Judgment that has been filed with the Court, this line item no longer needs to be reporting and therefore it needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful. This incorrect reporting is harming my credit score.

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 2022-08-15
Company: Experian Information Solutions 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:
i sent out dispute letter XX/XX/2022 and i have not received a response

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 2018-05-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Greetings, I have initiated a multiple disputes with EQUIFAX over the past few months to remove unauthorized fraudulent accounts that they have failed to fully validated belongs to me. It has been well over the 30 days given for the EQUIFAX to respond with validated proof to REMOVE / DELETE these accounts per the Fair Credit Reporting Act which are hurting my ability to gain employment, qualify for apt/home and credit. I have provided all requested documents to EQUIFAX including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditor " XXXX XXXX XXXX '', " XXXX XXXX '' " XXXX XXXX   XXXX '' but they have also fail to fully validate ( wet-ink ) signed contractually the account belongs to me. Below is the reporting unauthorized/unknown account that should be REMOVED / DELETED from my EQUIFAX credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know.

Reporting Accounts : 1 ) XXXX  XXXX XXXX - Account # : XXXX Opened : XX/XX/XXXX 2 ) XXXX XXXX - Account # : XXXX Opened : XX/XX/XXXX 3 ) XXXX XXXX XXXX Account # : XXXX Opened : XX/XX/XXXX Thank you for your assistance in resolving this matter. 

Regards,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15
Company: Continental Services Group, Inc. d/b/a ConServe
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX I received my consumer reports and notice that this company is unlawfully reporting a collection account. I am demanding this collection agency to provide validation of debt pursuant to 12 CFR 1006.34a ( 1 ) ( a ) Validation information required. ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : ( i ) By sending the consumer a validation notice in the manner required by 1006.42 : ( A ) In the initial communication, as defined in paragraph ( b ) ( 2 ) of this section; or ( B ) Within five days of that initial communication; or ( ii ) By providing the validation information orally in the initial communication. Pursuant to 12 CFR 1006.34 ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.1. Statement required by 1006.18 ( e ). Section 1006.34 ( c ) ( 1 ) provides that validation information includes the statement required by 1006.18 ( e ). Section 1006.18 ( e ) ( 1 ) requires a debt collector to disclose in its initial communication that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. Section 1006.18 ( e ) ( 2 ) requires a debt collector to disclose in each subsequent communication that the communication is from a debt collector. A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( A ) complies with 1006.34 ( c ) ( 1 ) by providing on the validation notice the disclosure required by 1006.18 ( e ) ( 1 ). A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( B ) complies with 1006.34 ( c ) ( 1 ) by providing either the disclosure required by 1006.18 ( e ) ( 1 ) or the disclosure required by 1006.18 ( e ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Experian Information Solutions Inc.
State: AR
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 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.

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 2017-08-31
Company: GSF MORTGAGE CORP
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received a text message from XXXX XXXX on XXXX XXXX, to " discuss mortgage options ''. I wrote back asking how did you get my phone number. I wrote, " I do n't know GSF. Are you a mortgage company? Where are you located? 
XXXX XXXX wrote back, '' Did you go anywhere online requesting mortgage info? I 'm physically located in Michigan. But I 'm licensed on a state and federal level in Indiana. Actually do more business there than any other state. GSF Mortgage is a private direct lender. We have an A+ rating with the BBB and have been in the industry for over 20 years, so we made it through the worst of times in the industry. '' On XXXX XXXX, XXXX, we spoke via telephone, I gave XXXX XXXX my social security number, and I informed him that I did not want my credit score to decrease by him looking at it. He stated that he will do it a way where my credit score will not be affected. My credit score did drop my 10 points, after XXXX XXXX looked at my credit score. 
On XXXX XXXX, XXXX XXXX, sent me a email requesting that I submit, my drivers license, social security card, two years of my W2 and tax returns and a month supply of my most recent pay check stubs. I submitted every item to XXXX XXXX via his email with GSF Mortgage, except a month supply of pay check stubs. I sent him a copy of the most recent pay check stub I had available. 
XXXX XXXX wrote back, noting that he needed my signature and my pay check stubs. 
I wrote to XXXX XXXX, informing him that I do not have any pay check stubs and to set up his computer system for signatures. I also requested no fraudulent activities with my personal information. And why he needed a copy of my social security card. 
XXXX XXXX wrote back, noting that Uncle Sam and the Patriot Act request that GSF Mortgage company request a copy of my social security card. I wrote back to him twice, asking for his manager, CEO phone number and address. I have not received GSF CEO phone number and address, nor his manager 's phone number. 
By the way, XXXX XXXX, wrote that I have been approved for a conventional loan, but he wanted all of my documents for the underwriter. 
I have been sickened and worried about my social security card/number and drivers license in the hands of XXXX XXXX, GSF Mortgage company. No company that I have ever worked for, has asked me for a copy of my social security card and drivers license. 
Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
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:
I have disputed these items on XX/XX/22, XXXX, and XX/XX/22 for the FCRA violation these medical collections are in violation and can not be on my consumer credit report. Equifax, XXXX, and XXXX have all broke the law and are now ignoring my dispute demands that the are legally obligated to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
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:
I am requesting to re-investigate all accounts which I listed on Identity Theft. All accounts are not belong to me or transactions made by me. Somebody open all accounts instead of me and used personal information. Please remove negative information from my credit report because you do not have enough proofs that it was me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: Midwest Recovery Systems
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XXXX XXXX XXXX XXXX was the original creditor for a pay day loan i had in XX/XX/XXXX, the new owner of this zombie debt MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, MO XXXX, re-aged this debt to XX/XX/XXXX. In an attempt to keep this debt alive and on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
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:
I submitted disputes to the credit bureaus XX/XX/2018 I have not received responses as of this day. If they were sent please resend. This violates the CFPB regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have recently started a dispute process with the credit bureaus regarding a bankruptcy that is on my credit file with inaccurate information. Beginning XXXX XXXX 2017 in order for the credit bureaus to report public information on your credit file it must contain ; name date of birth socia security number and address which tied the debt to you, I have disputed this bankruptcy multiple times and the credit bureaus have yet to follow the new law inplace, yet all they have done was updated this bankruptcy with the information about the court where the bankruptcy was filed. I have contacted the court and was advised they have NOT verified a bankruptcy being tied to me with ANY of the credit bureaus, therefore I would like this information to be rereviewed and REMOVED from 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 explanation
Consumer complaint received 2022-08-15
Company: Experian Information Solutions Inc.
State: NV
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:
last month on the XXXX, i sent out letters to all three credit bureaus in regards to inquires i did not authorize or have any acknowledge of. I was appling through a first home owners program a few months back and thats when i was denied. when i requested my credit report i found over 16 inquiries on my report. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ). IN return the credit bureaus stated that my request for deletion could not be completed due behind my letters looking like they were sent from a credit agency on my behalf which i clearly sent these letters myself. i was also told by the bureeaus to write a letter disputing the inquries and a complaint from the CFPB, FTC OR POLICE REPORT along with providing a copy of the CFPB complaint with a copy of my license and proof of address. i requested a copy of the reinvestigation and a list of people i spoke with also. As of today XX/XX/XXXX, i have gotten no updates or satisfaction so on XX/XX/XXXX i will repeat the same process again to all three credit bureaus

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 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
submitted a dispute XX/XX/2022. have not received a response from the company

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This year I disputed this alleged debt by another collection company. I disputed and it was proven that they debt was not mine and was removed by XXXX and other credit bureaus that was reporting the negative information. I made it very clear to the last collection company if they sold debt to another debt collector, that I will have my attorney she the old collector and the new collector reporting this information. I will have my attorney XXXX XXXX, XXXX. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Go ahead will lawsuits.Im tired of getting treated like this

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