BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-15
Company: Professional Debt Mediation, 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: Account status incorrect

Complaint:
I try to resolve this account with the collection agency. Professional debt mediation. 
i request verification of debt of this account the belongs to XXXX XXXX XXXX. 
on or about XXXX of 2019. I never received any response. 
I never owed this company any money and further more the original creditor sold the complex to another company and is no longer the original owner of this complex

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: SIMMONS FIRST NATIONAL CORPORATION
State: CT
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:
Reporting XXXX on my credit report that dont belong to me : XXXX information is on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Fair Collections and Outsourcing ( FCO ), a debt collector and assigned agent of the original creditor, XXXX XXXX XXXX, has been attempting to collect a claimed debt of {$3500.00} for various charges associated with my rental of an XXXX apartment at the XXXX XXXX facility in XXXX XXXX California. 

FCO has provided as evidence of the debt, a '' resident Journal '' that depicts debit and credit transactions and ending balance. The problem with this XXXX page report is that @ XXXX % of the report is blurred beyond readability, and the ending perpetual balance does not follow from the transactions, but rather is stated seperately on a page not of the transaction report, and in a different typeset. The report as given is useless for purposes of debt validation. 

FCO is reporting the claimed debt to XXXX, who is reporting it as a delinquent item in collections. 

I have sent to FCO a copy of the report I received from them, pointing out the unreadable areas, and requesting a fully readable version. I also requested that they provide the name and contact information of authorizing and approving agent at XXXX XXXX Communities. 

In response, I received a letter from FCO stating they have " verified '' the debt and will continue reporting it to the CRA, FCO did not respond to any of the requests I made for a competent validation of the debt, and identity of the source of the data.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
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 information incorrect

Complaint:
XXXX OF 2020 I GOT A CREDIT REPORT AND FOUND THAT THE 3 MAJORS BUREAUS WAS REPORTING MY INFORMAITON WRONG. I REACH OUT TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. ASK FOR A VALADATION OF THE ACCOUNT THE RESPONED TO ME STATING IN WRITING THAT THE DO NOT HAVE ANY ACCOUNT THAT BELONGS TO ANYONE MATCHING MY NAME OR THE ACCOUNT NUMBER.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on Sep 23, 2019 and the subsequent response received on Dec 14, 2019 enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- OPEN ACCOUNT -- 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2800.00} -This is not my account.

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 2022-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Ive submitted a dispute about a transaction around the XXXX of XXXX. The lady herself told me regulation E mandates any and all banks provide a provision credit or refund until the case is solved and I havent received anything. My financial advisor works at a bank and he was the one who alerted me of this violation so I am trying to sue.

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 monetary relief
Consumer complaint received 2019-12-17
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- OPEN ACCOUNT -- 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1800.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have an account with Coinbase.com and on XX/XX/2021 had approximately {$7500.00} in cryptocurrency in my account. During the early morning hours of XX/XX/2021 I received text messages from Coinbase of suspicious activities in my account and asked if it was me initiating these activities. I awoke from my sleep to answer the texts and responded that it was not me and locked my account. I called and learned that my money was safe but account was locked and would have to wait 24 - 48 hours to have access to my account. I specifically asked to verify that my money was not moved but again reassured that it was safe. I later learned that all my money but {$0.00} remained in my account. I also learned that my personal bank account linked to my Coinbase account had {$1000.00} transferred from my bank to Coinbase during this same time frame. In total, I sustained a loss of approximately {$8500.00}. Communicating with Coinbase to investigate what occurred has been almost impossible. Each time I spoke with a live representative, I was told that my case was being referred to the next level and that I would be contacted by that level within 24 hours. That " level '' has yet to contact me. Coinbase has failed to protect my money, replenish my losses and respond to my desperate requests for answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: LEXISNEXIS
State: CA
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: Information is incorrect

Complaint:
LexisNexis XXXX XXXX XXXX is providing false and damaging false information on me to my XXXX companies

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Earlier I submitted a first complaint ( #  XXXX   ) aft er the response from the company ( navient ) I called them yet was given another run around. First person I spoke to appeared to be very nice and told me that the payment of {$280.00} is available for extended repayment. However, I can talk to another department and they  may l ower it even further. He transferred me and appeared that they had no idea what I was talking about nor willing to do anything at all they even refused to grant that {$280.00} payment. Then I was turned over to another person who told me to call in before the payment is due. Also I was looking through a credit report and the last I was talking to  Navient, they promised to take the delinquency off the credit report if my payment will be met, ( which it was ), however th e delinquency is still on it. Another lie and run around from navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: Real Time Group, Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX XXXX, XXXX, my home was foreclosed on. The first month of delinquency was XXXX XXXX for the XXXX and XXXX mortgages. The derogatory information remained on my credit reports for 7 years from that date of first delinquency and fell off XX/XX/XXXX. This year, XX/XX/XXXX, Real Time Resolutions re-inserted the XXXX mortgage on my XXXX and XXXX credit reports with new inaccurate information. I disputed this inaccurate information with XXXX and XXXX on XXXX/XXXX/XXXX. I also sent Real Time Resolutions a certified letter with return receipt demanding validation. I still have not received any supporting data for this debt but Real Time Resolutions has supposedly verified the debt with XXXX and XXXX. The home was foreclosed on in XX/XX/XXXX, so it is impossible for any activity to have occurred after that date. Real Time Resolutions re-aged the last activity to XXXX, which is a lie. I sent the credit bureaus in all of the supporting data showing that the re-insertion was an old debt from a foreclosure from XX/XX/XXXX and they have ignored my requests to delete. I feel the acts of Real Time Resolutions are unethical and violating my rights to fair credit reporting. The derogatory information remained on my credit report for the 7 year length that the law allows and Real Time Resolutions should not be allowed to re-insert this old debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/XXXX I spoke to a girl named XXXX XXXX XXXX who claimed she was affililated with XXXX XXXX XXXX  XXXX by posting a room for rent on the XXXX  site under the XXXX XXXX  housing page. I never met this girl but assumed she was legitimate because she sent me her Drivers license information and like i said had publicly posted the room for all XXXX students and affiliates. 
After chatting with her about the room, she sent me photos of the room she was renting but it was the leasing centers pictures not her own, and some things sounded suspicious about the room. For an example she didnt give me a suite number to the room right away and hesitated. Shortly after she sent a " suite '' number and i saw " pictures '' for the room she sent her " email address '' for me to XXXX  her {$100.00} for the application fee and {$600.00} for rent. My bank suggested that this email is associated not with a girl with her name but with a person named XXXX XXXX. I asked if this was her or her account she said yes. She had also sent a fake XXXX XXXX tracking # which XXXX  XXXX said was from XXXX. Upon noticing it was a scam, i asked the same girl to return my {$700.00} and she ignored the claim but kept contacting me and putting me in touch with more people to send money to claiming the " XXXX XXXX '' driver needs {$200.00} and to hurry and send the money. I reported the fraudulent XXXX  account to police the girl who posted and all the other information with XXXX police department. 

I called citibank for a return of those funds because i never authorized for my money to go to a scam artist. In addition, even though she was not affiliated with XXXX, not even living in the state of california, and not rendering services for XXXX XXXX XXXX XXXX ca, I sent CITIBANK the XXXX POLICE DEPARTMENT case # which is XXXX. 

A detective named officer XXXX had also agreed to work on the case. 

The 2 officers who showed that day right away had said they hoped to get my money back but CITIBANK denied my request for a return of the {$700.00} to XXXX. 

This XXXX  transfer was done through my checking account and my only checking account with Citibank. I also called " XXXX XXXX '' who is the branch manager with the bank i had opened my account with in XXXX XXXX and he claimed that he doesnt handle any fraud at the branch and that i would basically have to call the number on the back of my card. He had initially told me he would give me a call back to see what he could do but upon calling back at the time he said he would be able to talk to me, the bank affiliates gave me a phone number to the CITIBANK in XXXX XXXX saying that he is there for the rest of the day.

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 2016-09-28
Company: Oracle Financial Group LLC.
State: MO
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
This is the number I received and my husband received on his phone from Oracle Financial in New York. XXXX.a man by the name XXXX XXXX he stated. He was going to have me arrested if I did not go in to XXXX XXXX Friday XX/XX/XXXX to pay on my now XXXX pay day loan. He said I frauded them when I took put the loan. I had an account and money going into it. I called back and he did not answer, so I left him a message I would be in Friday with XXXX dollars and XX/XX/XXXX with a XXXX.and pay it off in XX/XX/XXXX. I also told him it was a recorded phone call on my phone and also he was violating the FDCPA by threatening me of being arrested. He said that on his end on the call we received the warrant would be issued this weekend if I did not pay.

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 2015-04-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
i have unauthorized charges to my account. i contact capital one bank with issue i then got a processor contacting me ext XXXX XXXX antiqua from capital one. she indicated she could n't help me in my claim because of the type of dispute but yet contact contact to go over the account and want to go over the transaction. the company. now the company block my account and any way of defending myself. she was rude and nasty and destroyed my case with her incompetency

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
All 3 of my credit reports have wrong information, all the companies that was Identity theft was removed. per XXXX XXXX XXXX, I also had to get connected with The Attorney General Office and made police reports. I been seeking help for over 3 to 5 years on some of these accounts. It was found out all the accounts is Truly Identity Theft and was Removed from my credit files. but yet its all still showing I have attached the information from my Attorney office to prove it should have been removed over a month ago. Life is not good with so much Identity theft. Im fighting hard to clear my name please you guys remove it forreal I have know Idea how its still showing when all the companies renoved it. Please see the attached proof

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 2022-07-21
Company: Southwest Recovery Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2022 Southwest Recovery Services turned over debt that I did not owe to XXXX and XXXX. They contacted me in XXXX of 2022. I immediately disputed the debt on the same day and asked for proof of the debt. I sent several emails following up with the company to dispute the debt while continuing to ask for proof. In XXXX of 2022, I asked for the collection to be dismissed. By law they have 30 days to submit proof of debt. In XXXX, I reached back out to them to make sure the debt was dropped ; it wasn't. After all of this I was still turned over to the credit agencies and my score has been damaged.

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 2022-07-21
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation