BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-18
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently check my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with this company and they have never provided me with any services or goods. I feel that they placed this on my credit report without giving me proper notice which is afforded to me under the law according to the FDCPA 890

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: EQUIFAX, INC.
State: OH
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:
Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I believe under the Fair Debt CollectionsPractices Act., I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partiestorelease myinformation toathirdparty. 

1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE THESE ADDRESSES THAT ARE ON MY CREDIT REPORT THAT I HAVE NEVER LIVED AT OR BELONG TO A RELATIVE : XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX, TN XXXX, XXXX. XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX, XXXX OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX PLEASE DELETE THESE NAME VARIATIONS THAT ARE ON MY REPORT : MY CORRECT NAME IS XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: Miller, Stark, Klein and Associates
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX of 2014, I paid off an old credit card bill from XXXX that had gone to collections. I received a letter from the collection agency that confirmed the " paid in full '' and that I would no longer owed any money to XXXX and had been released from further attempts to collect. Since the beginning of this year I have received multiple calls from different collections agencies still trying to collect on the same account I already paid. Some have even threatened legal action and states they are going to serve me with court paperwork to take me to court over the XXXX debt. I send them the letter indicating that I already paid it and that I no longer owe on the account. Then the next month, ill still receive call from another company trying to collect on it.

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 2015-06-12
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been victimized by an identity thief. They established several loans in my name and opened several checking accounts with credit unions and banks in order to withdraw funds from loans obtained fraudulently. I sent chexsystems via fax a copy of the police report that i had amended including XXXX checking accounts that were reporting in my name in their system. I had received an updated copy of my Chexsystems report showing the accounts removed. But later got an updated report showing the XXXX fraudulent checking accounts with XXXX and with XXXX Bank. This has been an ongoing issue in trying to get my name cleared. I should have nothing negative reporting on my file and only XXXX inquiry that belongs to me from XXXX. I am attaching to my complaint the amended police report that shows those XXXX fraudulent checking accounts on the police report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made contact two times in XXXX and XXXX via telephone to XXXX and then formally in writing on XX/XX/2021 to determine the process for eliminating Private Mortgage Insurance on my Loan with Mr. Cooper. With the telephone attempts, the " PMI Specialists '' were unable to 1 ) Locate the documents they needed to answer my question ; and 2 ) Said they didn't know how to answer my question which was specifically to tell me ( and send me ) the steps to follow for cancelling PMI. I find this hard to believe as this must be a very common question. 

I researched their online documentation and am confident that I meet the criteria to end this insurance as : 1 ) This loan has never been late and is paid ahead.

2 ) Original Loan was {$310000.00} and current balance is {$240000.00} = ratio of 80 % 3 ) Property Value has risen to {$340000.00} and current balance of {$240000.00} = ratio of 71 %. 

Per their instructions on my billing statement, I have written a formal request and addressed it to their RESPA Qualified Written Request address and still not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: Coinbase, Inc.
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Starting XX/XX/XXXX I havent been able to selling my Bitcoin and withdraw the funds. Every time I try it tells me there was an error and to try again. Then I get an email telling me my transaction was canceled. Ive been reaching out to support but havent gotten a response thats been able to fix my problem. Ive tried selling it again this morning and its still giving me the error. Please help in anyway you can. Its a lot of money to me that I dont want to just lose because of a companies poor ethics. My name is XXXX XXXX and my account username is XXXX Please help me with getting my money back from coinbase

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-12
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I applied for a checking account and was told that XXXX XXXX is reporting a charged off checking account in my name. I have been a victim of identity theft and there were fraudulent loans opened in my name XXXX XXXX was one of the institutions involved. I have filed a police report because of the continued issues that i have been having with identity theft. I am writing in this complaint becauseI have tried to get in contact with Chexsystems and have not been successful in getting helped or located in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
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 is missing that should be on the report

Complaint:
XXXX - XXXX {$0.00} Balance updated XX/XX/2020 Exceptional payment history Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/2020 Account type Revolving Usage : 0 % Balance on XX/XX/2020 Credit Limit {$0.00} {$25000.00} Payment Info Status Pays account as agreed Status date XX/XX/2020 Past due amount - Highest balance $ 67 Monthly payment - XXXX {$0.00} Closed Exceptional payment history Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/2020 Account type Revolving account Balance on XX/XX/2020 Credit Limit {$0.00} {$8000.00} Payment Info Status Paid or paying as agreed Status date XX/XX/2020 Past due amount {$0.00} Highest balance {$7300.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 - - - - - - - - - - - On Time - Data Unavailable

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 2022-04-15
Company: Experian Information Solutions Inc.
State: AR
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:
On all three credit bureaus, there is a XXXX XXXX account that is showing opened XXXX and closed XXXX. I have the last 4 of the account from my credit bureaus. Yet, XXXX  XXXX shows NO account at all with the number I have, under my name or SSN. XXXX XXXX says the Credit Bureau should remove it - The Credit Bureau says it is XXXX XXXX who should. I've filed disputes in XXXX and XX/XX/XXXX- they do not respond to the issue, and only say the " account status is closed ''. I do not ask for a status- I ask for the account to be removed from my credit bureaus because my SSN isn't on the account! An hour plus on the phone and several phone investigations on XXXX, XXXX XXXX confirms the account isn't attached to me at all.

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 2021-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-28
Company: Coastal Credit, LLC
State: OH
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was sued in 2003 by XXXX. I was never served any documentation requiring that I appear in court. Resultantly they obtained a default judgement against me. The lawfirm is aware that I was never served and instead of with drawing the judgement they continue to attempt to collect. The case is in the XXXX Municipal Court XXXX, Ohio. XXXX. 2003 CVF XXXX. Please help me I have exhausted every avenue known to me. I am at a loss with regard to how to successful right this wrong and I am frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
On XX/XX/2023, BARCLAYS BANK DELAWARE ( Bank ) made an unauthorized hard inquiry on my credit. I called the bank, and the person that answered kept asking for my social security number. I refused to give out that information. I was told there would be an investigation. I have not applied for any credit. Nor do I intend to apply for any credit in the next 5 years.

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 2021-03-13
Company: CITIBANK, N.A.
State: CO
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 been unable to log into my account for over a year to make payments or manage any of my personal info on my account. 

I have spoken with support countless times and even received a call from a company representative. I am able to verify my identity on the phone, manage me account via phone, pay my bills via phone, but have been denied access to my online account and am refused a password reset link be sent to my email that is registered on the account. 

This makes account management extremely difficult and I've accumulated fees almost every month this past year. 

I also receive harassing calls from XXXX until XXXX from Citi almost 3 or 4 times a day if my payment is a day past due. 

Citi refuses to send me a password reset link after I've gone through the process of verifying my identity via phone with my SSN and other personally identifiable information such as address, phone number and email.

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 2022-03-28
Company: Experian Information Solutions Inc.
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:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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 2017-03-01
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
on XX/XX/2016 I sent a debt validation letter requesting alleged balance including calculation, proof that the account is correct, documents showing I agreed to pay this debt and agreement that grants authority to collect this debt. I have not received any response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: AMERICAN EXPRESS COMPANY
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
We have a XXXX XXXX amex serve card. We have had out federal refund put on this card with no problem. Well on XXXX we received our stimulus of XXXX and once it hit our card they locked it. They will not tell us why. They will not give us any answer except to write them a letter and wait for a response. We have almost XXXX on that card. That's all the money we have for bills and etc. And now we have no way to access it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-19
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 submitted a dispute with court documentation about a collection agency on my report called XXXX XXXX XXXX over 30 days ago, and I have not received a response from all 3 credit bureau 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: Meade & Associates, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: Aspen National Financial, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reviewed my credit report with TransUnion on XX/XX/XXXX. I found an adverse account item reported from Aspen National Collection. I did not recognize the original creditor. I called Aspen National Collection and spoke with XXXX XXXX. I asked for any evidence that the account was mine and he refused to provide any. He stated that this was in reference to XXXX XXXX XXXX. I am not an owner or co-signer of any account with this company. I have never received any information from XXXX XXXX XXXX or Aspen National Collection previously about an outstanding debt. The claim was placed in collection on XX/XX/XXXX. I did not receive any letters, e-mails, or phone calls about this debt. The statement shows that the payment was made on XX/XX/XXXX. I have reviewed my bank statements for that period and not matching payment was found. 

I tried to resolve this with Aspen National Collection, but XXXX XXXX was not willing to assist. XXXX XXXX at Aspen National Collection was also not willing to send any evidence that I owed the debt. 

The practice of arbitrarily adding names to account is predatory and this intentional fraudulent practice should be penalized. 

I have no documents to include as no evidence of this debt was provided to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-13
Company: FIRST NATIONAL BANK OF OMAHA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have a credit card with FNB Omaha Bank, a limit of XXXX + On XXXX. XXXX I charged {$1300.00} mostly for an auto repair, a one-time charge. Payment has been made in full. XXXX dropped my score by XXXX points, and the bill is paid. I made a dispute their response below. 
Report Number : XXXX Date Generated : XX/XX/2021 Results Report Number : XXXX Date Generated : XX/XX/2021 FNB OMAHA Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

Results Report Number : XXXX Date Generated : XX/XX/2021 FNB OMAHA Account XXXX Your balance is the amount that you owe on an account. A high balance may have a negative impact on your Credit Score. 
Score Decrease Your FICO Score has decreased by XXXX points. XX/XX/2021 2021

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 2021-03-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I made a reservation for travel with a company named XXXX XXXX XXXX  in the amount of {$3500.00} for XX/XX/2020. Given Covid we were unable to travel and due to merchant unresponsiveness filed a merchant dispute with American Express. Full amount was credited back to my account in XX/XX/2020 and was told to consider the settlement final within 69 days. 

Now, 6 months later American Express billed me back {$1900.00} after the matter was considered final by me and the merchant. Please help. American Express is not responding to this merchant dispute issue

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: Conn's, Inc.
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
This company has contacted my employer, XXXX  in the past. I served as an operator at the time and was I did not owe, and had my personal information. When I did not answer, they left personal information with my coworkers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
this number represents 2 accounts1. XXXX XXXX Bank2. XXXX CardThe information Equifax is reporting is the Date of XXXX Delinquency or Last activity as of XX/XX/XXXXXXXX accounts were opened in XX/XX/XXXXThey are not reporting the date opened. 
According to Fair Reporting Credit Act these accounts should be removed from my report as they are over 7 years old. Equifax told me on the phone they could not obtain the opened date information. 
If they can not show the correct information regarding my account. They should notbe showing anything.

Company response to consumer: Closed with explanation