BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: FL
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:
Per your response in reference to XXXX, " Potentially negative information, such as late payments, remain on the personal credit report for up to XXXX years from the date of the original missed payment, with the exception of XXXX XXXX, XXXX and XXXX bankruptcies, which remain for up to 10 years. '' The date of my first missed payment was 2015. Please delete this account. 

In accordance with the Fair Credit Reporting act XXXXl XXXX Acct # : 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 2021-06-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
There are accounts listed on my credit that I don't recognize not does it belong to me. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Discover opened an account in my name, about 10 days later the account was closed. I would for this account to be removed from my credit report. I have given no consent to this account being opened or closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-29
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}, {$5000.00}, {$5000.00}, {$1500.00}, {$1000.00}, {$4200.00}, {$0.00}, {$3800.00}. 
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 ) -- CLOSED ACCOUNTS -- 1.  XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 


-- AUTO ACCOUNTS -- 6. XXXX XXXX XXXX & with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

7. XXXX AUTO with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT -- 8. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3800.00} -This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-12
Company: Franklin Collection Service, Inc.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
This is not my account. I contact to Franklin collection and they have the wrong Ssn .I also contact the C B and asked them to verify my ssn with Franklin collection and they failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
This is my 2nd complaint against Capital One for the exact same reason. 

I have been repeatedly denied a credit line increase on my Capital One credit card account. I have made all payments on time ( aka no late payments ) the life of the account and have paid my account in full the past few months. I have made several inquires into why I 'm being denied a credit line increase via email, chat, and phone. Each time I inquire as to why I 'm being denied a credit line increase I am told that the customer service/customer service supervisors can not help me and to read my letters of denial. The denial letters I 've received give no explanation as to why a credit line increase is being denied except that my " account is currently being reviewed at the current credit limit ''. I have contacted the company via chat - I 'm giving 'canned ' responses, I 've contacted consumer affairs for Capital One - no one responded. 

I filed a Better Business Bureau on this same issue about two years ago, and again I 've filed another complaint this past week. I am not being provided with a valid reason why this credit line increase is being denied, nor is Capital One providing acceptable customer service on this issue. I believe I may be being retaliated against by Capital One because I filed a complaint with the BBB two years ago, and fear this retaliation has and will continue as I was forced to file yet another BBB complaint and now another CFPB complaint as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: EQUIFAX, INC.
State: LA
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:
Public Record needs to be removed from all three credit bureau 's based on unverified information. Account is suppressed and frozen with XXXX. Court does not verify with the credit bureau. Please remove bankruptcy from Equifax, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: Experian Information Solutions 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 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 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 2019-12-29
Company: JPMORGAN CHASE & CO.
State: NV
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
my deceased uncle died a year after his wife. Im trying to obtain successor of ownership upon obtain ownership and calling different companies to get information which was unfortunately to now availability the house went into for closure me and my spouse had been living in the dwelling prior to foreclosure utilities and the making of repairs was my obligation 's. I'm now in litigation as in the sale of deed of trust. In making the effete to gain ownership wit all paperwork in hand I was sent to XXXX  and all paperwork was stolen from the house along with all my property and any info concerning ownership or occupation we had. I have only with me the note and mortgage papers. Is there any proper way I can go about this situation?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: CAINE & WEINER COMPANY, INC.
State: AR
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 XXXX sold an account that I had with them to Caine and Weiner, which is a collection agency. After I purchased the auto insurance policy, I kept receiving letters raising the premium, so I cancelled the policy. From what Ive found online, XXXX XXXX should not be reported to the credit bureaus. Auto insurance is a financial product that is purchased to secure against legal liability in case of an accident. When you enter into an auto insurance contract, youre agreeing to pay the premium in exchange for coverage. Since auto insurance payments arent reported to the credit bureaus, credit history is not affected. 

My report shows that Caine and Weiner placed this item to the credit bureaus in XX/XX/2019. Balance {$240.00}. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: SECURITY FINANCE CORP
State: ND
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had pay day loans with a place called Continental Loans. When I lost my job I could no longer pay what was due and I explained this to them. They at the time said they would make it a charge off. Which it did appear as a charge off. A few months later they sold the debt to XXXX XXXX ( a bottom feeding collection agency ) and they have harassed us for going on 2 years about this by calling several times a day despite us asking for communication in writing only and they continue to report this to the credit monitoring companies so it appears every month or so on our reports to knock them even lower. 

We debt was paid and we do not owe it. We took XXXX XXXX to court several times and had this dismissed. At one point we even had a lawyer sue them for making false threats of imprisonment, arrest and warrants against us and we were awarded {$1000.00} for the harassment. 

We just want this place to stop bothering us and let us clear our credit up without having them constantly hounding us and putting things on our 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 2022-05-03
Company: Experian Information Solutions Inc.
State: FL
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 Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX  XXXX Bankruptcy Reference # 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 non-monetary relief
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: IN
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX has violated my rights. 

XXXX5 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 non-monetary relief
Consumer complaint received 2021-02-27
Company: Consumer Adjustment Company Incorporated
State: OH
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:
XXXX has marked my account down for XXXX points for a new collections account being added. Consumer Adjustment Co is the collections company. I look at my report and all the accounts show as old, and that there is no new collections. I think Consumer Adjustment Co has re-aged old collections to look new and thus hurt my credit score. They have done this two other times in the past. That is the only explanation that seems reasonable. Or this credit bureau is discriminating against me because of my race or gender, or both cause there is no new collection on my report. I do not acknowledge the debt as valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and Capital One with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
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:
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. 
Those accounts are resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ]

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The company 's website does not work at all and keeps giving error messages upon login. The company continues to have issues ongoing and I was assessed a {$30.00} fee due to one of their website issues. I CAN'T EVEN LOG IN TO PAY MY BILL. NOBODY ANSWERS WHEN YOU CALL OR YOU GET SOMEONE WHO IS COMPLETELY CLUELESS AND UNHELPFUL.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: EQUIFAX, 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 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: Closed with explanation
Consumer complaint received 2021-05-19
Company: Windham Professionals, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
We received a payment demand from Windham Professionals for {$500.00} alleging that XXXX XXXX XXXX XXXX XXXX America reported our company as a delinquent debtor. 

Our company has never purchased any insurance policy from XXXX XXXX XXXX XXXX XXXX America in any capacity, including its affiliates. 

We do not owe XXXX XXXX XXXX XXXX XXXX America any money. We have never been a client of XXXX XXXX XXXX XXXX. In addition, the {$500.00} extortion is unwarranted and is not attributable to our company. 

Windham Professional Account No : XXXX Date : XX/XX/2021 Amount : {$500.00} Phone : 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 non-monetary relief
Consumer complaint received 2020-04-22
Company: FIRST CITIZENS BANCSHARES, INC.
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/1999 XXXX XXXX XXXX owner of first citizen banshares of XXXX ga XXXX XXXX XXXX XXXX ga. Died .made me the owner of the company, first citizen banshares , has fail too give me a copy of the company operating agreement, aka deed of trust, or testimony will deed too the company, also they have fail too give me, cpa accounting too what they are doing with my money on the personal side of the company ... business address on file that is has a registered too sec of state XXXX XXXX. And on the probate court of XXXX ga. Is XXXX XXXX XXXX XXXX ga. It says. XXXX XXXX beneficiary 3rd party too all of this .i am not talking about a account in the bank. I am talking about the ownership of this business.. The paper in the probate court spill out XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, as owner or trustee heir. ... all the names in this text including the company agent has fail too give me my legal papers. Too the company. I am requesting all this information, from yall today. With out this information. I dont. No what i can do or not do. And i dont. No the operational agreement release date for yall too be canceled, too been a active power of attorney for me .so it like yall got the company, like yall own it and i am nothing. Please make this rite. Or be liable for all court cost. Or legal action that will be taking. On the behalf of my request. Everything in this text need too be reviewed .i am at a place, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX. XXXX XXXX XXXX deceased owner has various of companies, XXXX XXXX mortgage XXXX XXXX XXXX XXXX .XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX all of this stuff is old money come from the XXXX XXXX and XXXX XXXX  families. Also a court appointed administratior been request this information from yall too .XXXX  XXXX phone XXXX # XXXX ... XXXX! A XXXX peacock attorney at law. Atl ga. They or yall are refuse too come off my rights. Please stop abuse me .and the court system. When yall can do the right stuff thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( tXXXX XXXX XXXX XXXX  ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: DISCOVER BANK
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hi I am coming to you to talk about an account listed under my name and social that I noticed is not mine. I have sent several letters to the company and credit reporting agencies. There seems to be a confusion on the accounts being association to me and I do not take responsibility for something that is not mine. I have contacted via certified mail DISCOVERBANK, XXXX, XXXX, and XXXX 5 different times. It is my understanding that per 15 USC 1692 ( g ) Validation of Debts that only way an account can be validated is by speaking with me not a 3rd party company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-23
Company: The CMI Group, Inc.
State: OH
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 had an account with XXXX XXXX XXXX back in XX/XX/XXXX ; however, I did have their equipment which was showing that I owed XXXX XXXX XXXX {$500.00}. On XX/XX/XXXX at XXXX, I physically returned the equipment and received a receipt showing the return of the equipment. There was no information indicating there was a balance on the account. I called XXXX XXXX XXXX ( now known as XXXX ) one week later asking on when my credit report would be updated accordingly. I was then advised that I owe {$220.00} from a previous address back in XX/XX/XXXX. I explained that I did not have an account with XXXX XXXX XXXX back in XX/XX/XXXX - XX/XX/XXXX with the address identified, yet during that timeframe I did have an account with XXXX XXXX. And the account I held with XXXX XXXX closed when I returned their equipment back in XX/XX/XXXX. The representative explained that XXXX XXXX XXXX acquired XXXX XXXX which is how the delinquent account appears on their system. I then explained that even it is possible that I owe an amount with XXXX XXXX ( which I do not ) it is past the statue of limitations to collect and merging a previous bill does not seem to be right. I then asked for a bill to substantiate the amount owed. The representative then advised that they are unable to send a bill via regular mail or e-mail but I could go to a store to request this information. 

A few days later I contacted the collection agency asking for more information and I was advised that the amount owed is now {$220.00} instead of {$500.00} and if I need to dispute this information, then I can go to their website and add my dispute. 

I contacted XXXX by phone to dispute and a few days later I received notification that the {$500.00} amount is reporting accurately. I have also tried to dispute this with the other major credit bureaus and I am unable to move forward with my dispute. I am also unable to re-dispute this inaccurate information with XXXX. 

The issue here is that this information is still reporting the same on all 3 of my major credit reports even after I returned the equipment to XXXX XXXX XXXX and was given a receipt that did not show information that there is a remaining balance.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation