BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-14
Company: BlockFi Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I started investing in Blockfi in XXXX and moved my money over from XXXX. I did this because Blockfi had promotions for their interest account. They were offering over 10 % interest on some of their products, so I brought over my bitcoin and XXXX. During that time at Blockfi, they were growing in their business, and everything seemed to be going fine. I even started a loan with them where they would essentially give me the cash and hold my bitcoin as collateral. I also started using their new product, which was called the Blockfi credit card through XXXX. My first loan started on XX/XX/XXXX, for {$10000.00}. I specifically used the money to buy more bitcoin on the Blockfi platform in hopes that bitcoin would go up. Nonetheless, I made the decision to re-up my loan for {$10000.00} on XX/XX/XXXX. I currently hold XXXX Bitcoin and XXXX XXXX on the Blockfi wallet. With XXXX Bitcoin held as my collateral for the loan. 

Now with all that being said, I was depositing my hard-earned money into Blockfi over a two-year period. I believed everything that they said was true, they were growing as a business, and I believed and trusted that they would hold my crypto safely. The reason for this complaint is that they were dealing with XXXX, which is a crypto company that filed for bankruptcy due to fraud and scam. The former CEO of XXXX was charged with over eight counts of illegal activities, including wire fraud. XXXX essentially bailed out Blockfi over the summer which commingled customer funds, including mine, which is illegal. 

My life savings were held in Blockfi and unfortunately, I do not have access to them now due to Blockfi bankruptcy hearings. Another reason I believe this complaint will be heard is that Blockfi continuously tweeted on XX/XX/XXXX that all the customer funds were safe and there were no problems during the XXXX collapse. I decided to keep my funds with Blockfi and not make any drastic moves because I believed the company and trusted him. But literally the same day that night they tweeted out that they had paused withdrawals due to the XXXX collapse. 

I have been investing in stocks and crypto for over six years and this is the first time that I realize that my money is not safe due to centralized entities controlling my money. I do not know if I should sue Blockfi or XXXX but I surely do not have the funds to do that. Hopefully, this complaint can be heard and I can get some clarity on what will happen with my money. It is unfortunate that the former CEO of XXXX collapsed a {$32.00} XXXX company and lost over {$15.00} XXXX in customer funds. He even gave XXXX of dollars to celebrities and politicians to use their platform. It could have been customer funds of Blockfi as well. I am scared that I will never get my money again. 

Please help and acknowledge this complaint, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: LEXISNEXIS
State: GA
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:
US BKPT CT GA XXXX # XXXX LEXISNEXIS IS IN VIOLATION OF 15 USC 1681 ( a ) ( 4 ) They Infringed upon my right to privacy as a consumer.

( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

LEXISNEXIS IS IN VIOLATION OF 15 USC 1681b. ( a ) ( 2 ) I never gave them written consent to furnish this information. There is no such thing as public information a consumer has a right to privacy. 

a ) In generalSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: DISCOVER BANK
State: PR
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:
To update the damages to my credit, no matter not asking for credit, the free credit report from XXXX XXXX provided by Discover Bank is already showing XXXX point less, a missed payment and a false recent delinquency, which is no other than the loan from XXXXXXXX XXXX XXXX XXXX XXXX. also known as XXXX 
I want to thank Discover Bank Chat Representative XXXX, and her supervisor named XXXX as the included chat transcript shows, both were great and tried to do all they could, but because of the unfair consequences to my credit report, is better to send this through the C.F.P.B. than directly by fax to Discover, now that there is a Lawsuit filed on my part. 
This is not to complain against Discover, but to show to XXXX XXXX, that if ask Discover for a simple credit card limit increase, this fraud authorized by XXXX  manager XXXX XXXX XXXX will make any Discover Bank automatic revision process for this purpose null, because it shows a delinquency and a missed payment, no matter, is false. 
No matter I request a credit line increase, or if it is Discover with an automatic periodic revision, it will be denied because this false delinquency is counted, as fatal cutoff criteria by any Bank or Credit Union, not allowing me to pay attention to current needs requiring credit, like now with this emergency repair for my XXXX  XXXX XXXX owned since new, even XXXX require repairs no matter this is the original factory installed XXXX  that is going to be replaced after close to 18 years of use since new and more than XXXX miles. The most reliable car, maybe it is, is the one I have in the middle of all this, and is used for my job as XXXX XXXX at XXXXXXXX XXXX, an XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: Accscient, LLC
State: NC
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 a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Untimely response
Consumer complaint received 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 no relation to this fraudulent account titled XXXX/DEPT OF ED ( Missouri Higher Education Loan Authority ) on my credit report. I have not received any service or product from XXXXDEPT OF ED ( Missouri Higher Education Loan Authority XXXX XXXX XXXXDEPT OF ED ( Missouri Higher Education Loan Authority ) is a fraudulent account and is inaccurately reporting on my credit report. I can not assume an account I know nothing of to be mine. Due to XXXX/DEPT OF ED ( Missouri Higher Education Loan Authority ) inaccurate reporting I am a victim of identity theft as someone in that organization is using my information without my authorization. XXXXDEPT OF ED ( Missouri Higher Education Loan Authority ) continues to falsely and inaccurately report negative items to my credit report. I have no contract with them, and I don't know who they are. After way too many attempts to contact them, they failed to disclose an agreement or reply. I addressed this matter to them in writing XX/XX/XXXX and sent a follow-up notice XX/XX/XXXX and another XXXX XX/XX/XXXX and still have not received a response. Within Fair credit reporting act as a consumer my rights have been breached which are supposed to be protected by the Fair credit reporting act and also My privacy and confidentiality is at stake because of this false reporting. IN REGARD TO XXXXDEPT OF ED ( Missouri Higher Education Loan Authority ) ACCOUNT NUMBER : XXXX under 15 U.S.C 1681 section 602 A. according to the section my rights of privacy are recognized. under 15 U.S.C 1681 Section 604 A Section 2 : this section states that a consumer reporting agency can not furnish an account or item without the consumers written instruction. XXXX/DEPT OF ED never had any instructions from me. 15 U.S.C 1681B- Section A under section A this states that the consumer must provide authorization for the agency to provide such report. I never authorized XXXX/DEPT OF ED to make such reports. 15 U.S.C 1681s-2 responsibilities of furnishers of information to consumer reporting agency. ( a ) duty of furnishers of information to provide accurate information. inaccurate information is being reported by XXXXDEPT OF ED. I NEED THIS ACCOUNT DELETED. 


I NEED THIS ACCOUNT DELETED 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 non-monetary relief
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove these items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$3700.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX of inquiry XX/XX/2020 ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX Date of XXXX XX/XX/2020

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 2022-08-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX U S DEPT OF EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$190.00}, and XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX {$870.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was notified by my bank about a year ago about credit card fraud where the person used my XXXX account and ordered various items on my debit card and/or through my XXXX. I was told by the bank to file a report with the police which I did and also contact the three credit bureaus. I assumed everything was straightened out but it was not and I recently received a noted saying I am going to be sued by a credit collection agency, actually two of them. Can someone help me out with this? I have tried to contact the collection agency to no avail, yet I have been reading they have been noted to sue people in an unjust way? Can you help me please??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.

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 2022-08-02
Company: Experian Information Solutions Inc.
State: LA
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:
The questionable accounts specified below continued to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled as soon as possible : XXXX XXXX XXXX : {$200.00} ; XXXX XXXX XXXX : {$9900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: FIRST ADVANTAGE CORPORATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XX/XX/XXXX for driving under suspension. XX/XX/XXXX for disorderly conduct. I need more information about what these two things are for at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. Exactly what does driving under suspension mean? What is this for? What disorderly conduct? What does this mean? Where did this happen? What does this involve? How did this get on my background check? Why wasn't I asked about this?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Experian Information Solutions Inc.
State: FL
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've contacted the accounts listed below & they told me I've never missed a payment, yet Experian, XXXX and XXXX refuses to fix the accounts from being listed late. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experian, XXXX and XXXX 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to correct these damaging negatives from my profile. 
DEPTEDXXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-08-02
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
When I send my money to this company for investing in cryptocurrency they just take my money and give me back my profits after one year and then they didnt give me any profits again and they scam my original money and I think theyre just XXXX. The company named coin base.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I wrote a check to a contractor in early XXXX. The check was mailed. The contractor reached out to me because he hadnt received payment ; but when I checked my account the check had cleared. 
The person whose name was on the endorsement is not an employee of the contractor. The endorsed name is not the name that was written on the payable to line. The bank that was used is not my bank nor my contractors bank. 
I filled a report with my bank ( Chase ). They initiated a claim. It has been 120 days and I have heard nothing. The depositing bank is XXXX  XXXX XXXX and they refuse to talk to me. 
Chase Bank has not credited the check amount back to me. Chase Bank can not give me a timeline for reparation nor can they tell me where the investigation is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Green & Sons Agency, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Outsource Receivables Management, XXXX XXXX, & XXXX XXXX XXXX. Attempted to begin proceedings in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the State of Utah regarding claiming that the amount of XXXX was due from a XXXX that resulted in the XXXX of the defendant. At the bottom of the summons it states clearly that This communication is from a debt collector. If you wish to resolve this matter, please call Legal department at Outsource at XXXX or XXXX. [ illegible copy ] the fact the attempt to collect, report, and harass a debtor for a medical debt that resulted in the pain, anguish, and XXXX of the defendant is not only unethical from a business aspect, but also an unethical practice for any medical professional. Although the referral of the debt may not raise to an initial violation from its face the fact that a debt collection company for a medical debt has ignored the new law passed by congress does.The No Surprises Act was passed and a bulletin was in itself published for companies like Outsource Receivables Management to clearly inform themselves on the new laws regarding medical debt collection as of XX/XX/2022, but unfortunately the company has failed to update their practices business practices and not only remain morally corrupt, but currently stand to be in violation of federal law. Legal action including a federal jury trial are currently being pursued on the companies complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: WA
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:
On XX/XX/XXXX I received an alert from MyFico advising that a new collection was reported to the credit bureau. I checked the alert and saw that a company called XXXX XXXX XXXX is reporting a collection debt under my credentials. This was a complete surprise to me since there was never any kind of communication from this company and according to the CFPB Debt Collection Rule : Before a debt collector can report your debt to a credit reporting company, the debt collector must do any one of the following : Speak with you in person about the debt, Speak with you by telephone about the debt, Mail you a letter about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered, or Send you an electronic communication about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered. None of this was followed .... To this date I still show this reporting to the credit bureaus without my written instructions. I have never done any business with this company have any type of contract or agreement, and therefore they have no right to report anything on my credit report. XXXX XXXX XXXX is also reporting this an open account with them as XX/XX/XXXX which is fraud. 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 to the right to privacy 15 U.S.C 1681 Section 604 A - Also states that a consumer reporting agency can not furnish an account without my written instructions.

I have been a victim of identity theft and my name and SSN have been compromised.

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