BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-19
Company: Io, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Quite a while ago through XXXX XXXX, I was made aware of an outstanding balance from XXXX XXXX, that is now being held by a company called Receivables Management Systems. I stated to them on more than one occasion, visa XXXX XXXX, that I do not owe this debt of {$230.00}, because this was the result of seeking treatment for a personal injury that had happened to me in XXXX, ( I was hit by a XXXX XXXX ), and as such had informed them that it was being taken care of through my auto insurance, as well as personal health insurance. I further instructed XXXX XXXX, after having been first meet aware of this alleged debt, to contact my personal injury attorney at that time, for which I gave them all the information. This case was settled in XXXX, through another personal injury attorney, but still I was led to believe that the information from this had been passed on to the new attorney. From that point on I heard nothing from XXXX XXXX, until I see my credit report through XXXX XXXX, and notice that I have this in collections through this company. 
At this point I made it very clear to Receivables Management Systems, that based on the fact that this was to be taken care of through my personal injury attorney, that they needed to speak to them and that as such I did not owe this bill. I not only never heard anything from this company, but on multiple occasions when I checked my credit report, I still found this there. I finally contacted them directly online, telling them that I do not owe this on the basis of what I've stated above, and to never contact me in any way, shape, or form. this company refused to abide by my cease-and-desist request, by sending me a letter, dated XX/XX/XXXX, that not only refuses to see what I am trying to say in this matter, but it's still insistent that I owe this debt! 
I want to make it very clear, that on the basis of the fact that this was to be handled by my personal injury attorney, that I do not owe this debt, and I refuse to pay a debt I believe I do not owe! They need to speak with my personal injury attorney of record, and not me. I am insisting, that they not contact me in any way shape or form, because if they do again, I will be forced to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: BlockFi Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
BlockFi has frozen withdrawals from their platform since XX/XX/XXXX, citing their Terms of Service. While it may be the case that they have within their ToS that withdrawals can be paused, they are operating as a marketplace enforcing rules arbitrarily and to the benefit of their selected winners. 

They are custodians of assets owned by me. These assets are virtual currencies that are liquid in other marketplaces. Their decision to limit my ability to withdraw my own assets is anti-market behavior. Meanwhile, news sources report that select individuals and organizations have been able to withdraw their assets. This is selective enforcement. 

I am unable to take possession of, transfer, and change the denomination of these assets owned by me solely because of BlockFi 's decision to pause these activities in the name of shoring up their own business. This is against the public interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: CITIBANK, N.A.
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Citi Accelerate High-Yield Savings on XX/XX/XXXX. I opened this account for a promotion that gives the consumer a cash bonus offer based on the amount of funds in the account. According to the confirmation email I received on XX/XX/XXXX for enrolling in the Citi Accelerate High-Yield Savings Tiered Bonus Offer, the promotion provides a cash bonus based on depositing " New-to-Citibank Funds into your new savings account within 20 days of account opening. The balance on the XXXX calendar day after you open your account will determine your maximum cash bonus ''. My email confirmation for enrolling also states " your Cash Bonus will be paid to your Savings Account within 90 days after you successfully complete all required activities. '' After not receiving the cash bonus, I called Citibank customer service on XX/XX/XXXX and the representative ( XXXX ) confirmed that I am entitled to receive a {$500.00} cash bonus and confirmed that all the requirements have been met. He said I should receive the bonus no later than XX/XX/XXXX and if I do not receive the funds by then, they would file a promotional dispute. He also provided me with a promotional code. 

After not receiving the funds by XX/XX/XXXX I called again on XX/XX/XXXX. The representative notified me that the code the previous representative provided did not work on their end and there was nothing else they could do for me to receive my promotion. Please note that the confirmation email I received after enrolling did not have a code- the only code I had was provided by the CitiBank representative on XX/XX/XXXX. I then talked to an account supervisor ( XXXX ) who notified me that she sent in a request for the bonus, however I have received no confirmation information or timeframe on when this might be resolved. I have still not received the funds and would this matter is resolved as soon as possible, as I can not access all my funds in my account while this is in dispute.

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 2022-11-26
Company: Coinbase, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
XX/XX/2022, Coinbase sent me a Visa debit card. I have never created an account with Coinbase. 
Immediately, I tried to contact Coinbase support, but their system blocked me from speaking to anyone because I have no account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed a copy of my credit report and I was shocked to learned that I had numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2022-06-24
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NE
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Carrington mortgage told me I was eligible to apply for 1 ) LOAN MODIFICATION-After Carrinton Mortgage received all my PRIVATE bank statements, XXXX XXXX XXXX LTR , ETC ETC ETC, basically my PRIVATE INFORMATION, they denied my LOAN MODIFICATION APPLICATION 2 ) HOMEOWNER 'S ASSISTANT FUND ( HAF ) XXXXCarrington Mortgage is stating that they DENIED my HAF APPLICATION because they did " not '' receive a BANKRUPTCY CONSENT LETTER from my attorney XXXX XXXX XXXX XXXX XXXX My attorney AND the HAF attorney BOTH said they have ALREADY sent it to CARRINGTON!!! 

Again there is a HUGE discrepancy and I consider this to be another PREDATORY LOAN TACTIC! 

3 ) CARRINTON MORTGAGE IS STATING " I '' CAN NOT SEND THEM ANY DOCUMENTATION REGARDING MY HAF AND/OR BANKRUPTCY FILE AND/OR CASE WHEN I HAVE PROOF AS ATTACHMENTS THAT I HAVE DONE SO IN THE PAST AND THEY ARE REFUSING TO ACCEPT THE CORRECT DOCUMENTATION SO THEY CAN SAY THEY DIDN'T RECEIVE THE CORRECT DOCUMENTATION IN ORDER FOR THEM TO DENY ALL HOME ASSISTANCE APPLICATIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have a hard inquiry on my credit file from XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX sent me a removal inquiry letter because they pulled up my credit report by error. I spoke with TransUnion customer service her name is XXXX, she told me to fax the XXXX XXXX XXXX removal letter to her XXXX and she is going to have that hard inquiry removed. I called the next day to make sure she received the fax and the customer service told me that she did not receive it. I called again and spoke with XXXX in customer service and she had me re-send the fax to her, I called to confirm if she received the fax and she told me that they did not receive it. On the XX/XX/XXXX I called TransUnion customer service again and I spoke with XXXX and he told me to re-send the fax and that he could not see that I sent a fax. I also confirmed the fax number with him again. Since the first conversation on XX/XX/XXXX I sent the XXXX XXXX XXXX removal letter a total of 4 times and they keep saying that they are not receiving it ... I find that very inconvienient because I am sending faxes and it is costing me money. TransUnion is not following the law by not following the Fair Credit Reporting Act. I am going to be attaching the faxes that I sent and also will be attaching the XXXX XXXX XXXX removal letter.

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 2022-06-06
Company: Experian Information Solutions Inc.
State: PA
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 recently received a copy of my credit report and found that the credit reporting agencies XXXX XXXX, Experian and XXXX are legally reporting inaccurate and false information about me. The following alleged accounts are listed as collections with a past due balance this is a violation of the FCRA and is also in violation of requisite XXXX XXXX compliance reporting standards according to the federal reporting act I have the right to a fair and accurate credit report, They are required to remove any information that is not true, accurate, and verifiable. 

XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 *XXXX XXXX XXXX XX/XX/2018 *XXXX XXXX XXXX XX/XX/2018 XXXX XXXX  XXXX XX/XX/2018 15 US Code 1681 B ( 2 ), 15 US Code 1681 A ( 2 ) B

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 2021-04-21
Company: Experian Information Solutions Inc.
State: NY
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 have a scam credit pull on my report XXXX XXXX Inquiry Date : XX/XX/2021 Phone # : XXXX XXXX XXXX XXXX Can't verify and experian will not take it off

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 2021-01-16
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 many accounts on my credit report that I do not recognize nor have I applied for any of them. There are also many addresses in which I have not lived at. Please remove them. 103 Claims true identity fraud/account fraudulently opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: Experian Information Solutions Inc.
State: MI
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 Account, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX,, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-24
Company: EQUIFAX, 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:
I have made countless attempts to resolve this matter concerning my personal information bring stolen and sold on the black market, I have filed several police reports and ftc reports which I have attached to this compliant, But XXXX, Equifax and XXXX and XXXX XXXX XXXX has made this process more that difficult to resolved I have spoken with the " special divisions team '' on several occasions but the items on my report that I do not know of or have not authorized have not been removed from my report, as I have requested I am trying to get this matter resolved before I take further Legal action based of the FCRA law and consumer rights which have not only been violated, but no one is helping me in this matter and I am the victim, with accounts still being opened in my name to this day, I was to remedy this quickly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The collection agency Genesis Credit Manag DBA Columbia Debt Recovery has reported past due debt of {$950.00} Acct # XXXX under XXXX, XXXX and XXXX 18 USC 1028A : Aggravated identity theft a ) Offenses.- ( 1 ) In general.-Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: CREDIT ACCEPTANCE CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
Mutiple credit inquiries were created without my consent or knowledge. I called all companies XXXX in regards to the inquiry and asked that it be removed due to it not being authorized by myself.

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 2022-06-24
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I completed a {$2800.00} Citi balance transfer in XX/XX/2022. In XX/XX/2022, after the balance transfer did not go through with the other bank ( XXXX XXXX ), I contacted them and they told me they never received the money from Citi. I called Citi and they adamantly insisted that they sent it. They even sent me a receipt showing they sent it electronically. When I contacted XXXX XXXX again, they said they had still not received it and there was nothing they could do. So I called Citi again and opened an investigation on the matter. It concluded that the money was paid to XXXX XXXX, which it was not. I called XXXX XXXX again in XX/XX/2022, same thing. They can't do anything. Citi opens a second investigation because we discovered that the balance transfer was sent to the wrong account, it wasn't even sent to a XXXX XXXX account. Therefore, there is no way for XXXX XXXX to reimburse my account for the balance transfer because they don't have the money. I call Citi again on XX/XX/2022. They open a third investigation for the same thing, the balance transfer was sent to a wrong account. They say in 20 days they will call me with the conclusion. They never call me so I called them today. The guy has no idea about any investigation and still has no answers on a solution. So now I have {$2800.00} of extra debt that shouldn't exist because somehow Citi got the wrong account number and sent my balance transfer to the wrong company. XXXX XXXX does not have it. And now I have extra debt that shouldn't be there that Citi claims they can't cancel.

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 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 account name XXXX XXXX, including Account # XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$3000.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00}

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 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The following is the list : 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 non-monetary relief
Consumer complaint received 2023-09-16
Company: Zions Debt Holdings
State: KY
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:
Started with XXXX XXXX XXXX paid off all equipment in XXXX, and then received a letter from Zion 's explaining we owed {$1900.00}. We received a call in XXXX from XXXX during XXXX that card on file had expired, said we owed {$230.00}, we agreed to pay this amount to stop the XXXXXXXX XXXX and continue to pay the equipment. The equipment was financed with XXXX and was being withdrawn from bank account ending in XXXX through XX/XX/XXXX. The equipment was paid in full at this time, {$1400.00}. We did not get any other call from XXXX, then we received the collections notice from Zion 's on XX/XX/XXXX, claiming we owe the {$1900.00}. We attempted to contact 3 times to dispute, and we were told we had to pay this debt. However, per our records and all of this information, we feel we do not owe any of this debt, aside from {$230.00}, which we are willing to pay. XXXX refuses to deal with us because they sold the debt and now Zion 's is demanding money that is owed or sending to collections on XXXX Nothing was received since we spoke to them in XXXX, then all a sudden we are in collections and Zion 's is not allowing us to dispute, even saying in an email, the do not talk on the phone. It seems like it is scams. We wanted to get this resolved immediately and now we are concerned about this this because nothing is adding up.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation