BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-21
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Corp reported various account that they claimed I owe as a collection, but I don't recall have any business transactions or dealings with this company. I am asking that you have the creditor provide evidence that the account belongs to me and should be reported in my credit report, In addition, to show that my rights have not been abrogated. I'm asking the creditor to verify that they have a signed contract or paperwork from me or related to me in any fashion. Unless this paper is produced or the account is unverifiable, I required that this account is updated and deleted to reflect the proper reporting standard.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I am XXXX years old. I have bought XXXX houses, numerous auto 's, have had several credit cards and several bank loans. I have also purchased for and paid for several acres of raw land. All of these transactions are fully paid for. I now have no credit score and very little information in my credit file. What has happened to all of this information? I would like for all of the pertinent information put back into my credit file. The lack of this information is affecting my ability to use credit. There should be NO adverse information in my file as I have had fewer than XXXX late fee charges since 1963.

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 2016-12-28
Company: Nationwide Recovery Systems, Ltd
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XXXX XXXX, I started receiving calls from a guy that claims his name is XXXX XXXX and is calling from a collection agency named Nationwide Recovery Systems. He claims that I owe {$44.00} to a company name XXXX Limited, but he has no further information about location or phone number for his client.The product is a supplement called XXXX XXXX and its regular price is {$130.00} He offered to settle for {$25.00} which I denied. I told him to stop calling, I never order that product and I was not going to pay anything. 
they called me several times, they claim the debt is for a trail sample ordered on XXXX XXXX, XXXX The guy had a strong accent either XXXX XXXX ( XXXX, XXXX or even XXXX XXXX, but I ca n't say for sure where from ), I did tell him that his accent did not much his name, but I could be wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
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 previously notified Experian that I am a victim of identity theft. Please see attached FTC, Identification and a copy of my social security card

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 2021-05-21
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: Personal information incorrect

Complaint:
I have tried several times to contact Equifax. Either I get the general customer service and or they transfer me and I am asked questions but never get to an agent. I have spent an hour trying to get an agent and when they finally picked and I expressed my concern about their automated system they hung up on me. Her name was XXXX ( probably not her real name ). 

Also, I have disputed this information online.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Conn's, Inc.
State: TX
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: Was not notified of investigation status or results

Complaint:
This is a formal complaint against Conn 's XXXX Inc. located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND XXXX distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Conn 's XXXX Inc. has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a XXXX and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 2017-01-27
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I need immediate assistance please. I 've received letters stating that Experian will no longer investigate. I 've also received letters stating that every single one of the accounts that I have disputed with them are verified. I would like to see the proof of ownership because I do n't even think that some of these accounts are mine! I 've asked for the physical documentation that verifies the ownership to no avail. I know my rights and I 'm positive after reading lawsuits and the FCRA that the bureaus are required to have the actual documentation prior to reporting these accounts. In consideration of the fact they are saying these items are " verified '', and they are required to have these docs, there should be no problem sending to me! I understand that the bureaus are paid to report accounts, and therefore, have no incentive to remove any of them. I also know that federal law states that everything on my credit file is required to be accurate and correct. Another issue I have is that one of the accounts was removed and then reinserted later without any notification as required under section 611! I do know that because there was no notification, they are required to remove it once again. Please see the letter that I have attached which reflects the information that I am disputing.

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 2021-05-21
Company: Coinbase, Inc.
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Hi, I was the victim of a sms message phishing attack on XX/XX/2021. I received a fake text message saying someone was attempting to withdraw bitcoin from my Coinbase account. The message said " if this is not you then click this link ''. Well I regretfully clicked the link and that's how the hackers were able to gain access into my account. They then proceeded to withdraw 1.49 bitcoin ( around {$75000.00} ) from my account. However, I had 2FA enabled in my account for any withdrawals, so I'm not sure how they were able to make a withdrawal. 

I have the phone number the message came from, the IP Address, and the bitcoin address my money got sent to. But that is it. I have attached the email confirmation I received when this unauthorized withdrawal went through. I also attached a screenshot of my recent account activity showing different IP addresses that had logged in. XXXX is the one the hackers were using. I also included a screenshot of the fake message I received. 

Is there anything you can do to help me? 


Thanks so much for your time. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent certified letters to XXXX Experian and XXXX  on XX/XX/XXXX, explaining that I had noticed unknown/unauthorized accounts on my credit report. Also, I have several inquires that are not authorized. Each company failed to verify and/or send me proper documentation which means they are in violation of my rights. 
1. XXXX XXXX XXXX {$580.00} 2. XXXX XXXX XXXX {$200.00} 3.XXXX  XXXX XXXX- {$490.00} 4. XXXX-showing as a charge off to XXXX XXXX XXXX 5. XXXX XXXX {$390.00}. This was proven not to be my account and removed from XXXX and XXXX yet still remains on my Experian. 
Inquires not authorized 1.XXXXXXXX XXXX XXXXXXXX 2XXXX XX/XX/XXXX 3. XXXX XXXX XXXXXXXX 4. XXXX XX/XX/XXXX AND XX/XX/XXXX 5XXXX XXXX XX/XX/XXXX 6 . XXXX XXXX XXXX XXXX XX/XX/XXXX AND XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXXXXXX XXXX XXXXXXXX AND XX/XX/XXXX 9. XXXX XXXX- XX/XX/XXXX AND XX/XX/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 2016-09-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
recently contacted the agency about Experian credit reporting agency. and 3 months later I find myself contacting you again. at the having certain items on my credit report removed in XXXX of this year information that was given to my bank in XXXX did not reflect the change once again denied credit.this morning talking to be Experian about it and my XXXX scorespace certain things on my credit report have been taken care of but they have not and will not have not updated my XXXX score to reflect the changeseven after being told that they screwed up and gave my bank the information

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 2021-05-21
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
This is a compliant against XXXX XXXX XXXX and Santander Consumer Usa Inc. These two companies have violated USC codes against me and I am submitting a counter claim. They have violated servers codes during my consumer credit transaction of an XXXX XXXX XXXX, on XX/XX/XXXX. They have committed identity fraud and the illegally disclosing of any personal data I order to communicate that I allegedly owe them a debt, I demand an investigation of the codes that these two companies have violated which are 1. ) 15 USC 1692 e ( 2 ) a 2. ) 15 USC 1692 f ( 1 ) 3. ) 15 USC 1692 d ( 1 ) ( 2 ) 4. ) 15 USC 1692 b ( 5 ) 5. ) 15 USC 1615 a ( 1 ) I will provide proof with the documents herein starting with the Certificate of Service. I am also ordering to be paid for what is owed for each violation, I also demand to be paid by check to the listed address. 

Best Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I filed a complaint with you on this same subject under " debt collections '' I am filing another complaint with the same issue. Experian is holding my credit hostage to persistent dispute remarks on my credit report with Experian. THIs is holding me back from getting a home loan, they are freezing my ability to get approved for a home loan I just applied for three days ago. My mortgage company informed me that they can not underwrite my loan until these dispute remarks are removed with Experian. These disputes are complete ( I received an email showing this after 30 days- from Experian ) These are older than 30 days past first initial dispute. This is causing me a lot emotional distress and affecting my life greatly. Experian is holding my credit hostage by dispute remarks. these accounts ; XXXX XXXX ; # XXXX and # XXXX as well as XXXX XXXX # XXXX and XXXX # XXXX These accounts with EXPERIAN have persistent dispute remarks keeping me from getting my home loan. I have requested they removed them and Experian has refused repeatedly. I may loose my down payment on a home and my underwriter can not take the next step with these remarks on my credit report with experian. Please help remove the remarks Experian refuses to remove.

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 2017-01-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have disputed the inaccurate charge off that is reporting on the XXXX Account # XXXX. This account either do not belong to me or it is incorrectly status. I would like this account removed from my credit file or the charge off status removed.

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 2017-03-31
Company: Thunderbird Collection Specialists, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had 18 missed phone calls from Thunder Bird Collections within like fifteen minutes. XXXX would call and go to till voice mail and then immediately called back. He also called my grandfather and utilized the same tactics. This was also done after I had told him not to ever contact anyone besides my cell phone number that I provided. Today he even called the place I work when I told him to only contact my cell phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021 my mortgage was paid in full satisfaction of the debt. I sold the home and XXXX XXXX was paid. I have two letters stating such. My credit report states the mortgage was in my Chapter XXXX bankruptcy ; however, as stated above, the mortgage was satisfied completely. I disputed the credit report with Experian and XXXX. They investigated, I submitted the letters from XXXX XXXX stating the mortgage had been paid in full, and the result was no change in reporting that the mortgage was included in Chapter XXXX bankruptcy.

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 2015-08-05
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I 'm very upset! I am XXXX days away from my auction date and my bank is refusing to help me do a short sale on my home. I know that I am allowed a chance! Other short sale negotiators/realtors have told me I have a chance, too. I keep getting told that this is an automatic decline because there is " not enough time to review short sale per investor guidelines. '' I am working with a realtor who is a short sale negotiator and says that according to XXXX and XXXX XXXX, I can start the short sale XXXX days prior to the auction date while according to CFPB, I can start it XXXX days prior to the auction date. My loan is not a XXXX or XXXX XXXX but it 's owned by a private investor, which means I 'm still in the window to start the short sale prior to the XXXX days. I 'm very frustrated! My short sale negotiator is n't able to get anywhere and neither am I and this does n't feel right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company has no contract with me or my written consent to furnish anything on my consumer report nor have i gave ANYONE CONSENT to any alleged creditor and thats Identity theft!!!, statements from a 3rd party is a right to privacy USC 1681 ( a ) ( 4 ), I have not received any validation or verfication of any alleged debt. i have sent through USPS certified mail # XXXX XXXX XXXX XXXX XXXX a request for removal from my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: VA
Product: Payday loan
Issue: Can't contact lender

Complaint:
I applied for a payday loan in 2013 for {$400.00}. I had paid back most of the loan until they started taking the payment XXXX or XXXX a week. I contacted my bank & put a hold on my account. I never heard anything from ACE until a year later stating that there was still a balance on the loan. I have attempted twice to clarify this situation.I paid someone representing ACE {$500.00}. To clear up this matter. Now I am receiving threatening emails. Claiming they are going to have me arrested. They are going to report this to the credit bureaus. I will have to go to court and pay additional fines.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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 om my credit report. It has been well over 30 days and i have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I attempted to transfer all my money out of HSBC early this year following their plan to cease personal banking business in the US. My account got suspended when I tried to transfer the money to my account at another bank for no reason. After repeatedly calling HSBC for resolution, someone from Fraud department instructed me to email them an empty check or a statement to verify my ownership of my account at another bank. I sent them the required information promptly in XXXX. It has been over 2 months and it has been radio silence on the XXXX side and my money remains frozen for no reason. XXXX 's conduct has caused unnecessary financial distress for me and my family. The fact that XXXX made no attempt to communicate, provide notice, or provide any update on the issue is stunning. This level of customer treatment is a such violation to a whole host of CFPB consumer protection rules and UDAAP. I also wonder if such a treatment is as a result of my race and origin.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: DISCOVER BANK
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Three weeks ago I sent in {$100.00} for a payment its still NOT processed and the balance keeps clocking away against me. {$50.00} 2 weeks ago still not processed and of course the {$50.00} a week ago is still not processed. Its amazing that three weeks can pass and the payment is still not processed onto the balance and the bank benefits with the higher interest while not processing payments mailed in weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I submitted an investigation into an account listed on my Equifax report on XXXX/XXXX/2016 regarding a judgement that has been deleted off of my XXXX and XXXX reports already. I went to check the status of it and it had " completion date XXXX/XXXX/2016 '', with no results or contact from Equifax. I called Equifax today XXXX XXXX, 2016, and requested that the item be deleted and they refused. I would like your help in having this removed from my report. They exceeded the investigation time and never contact me with any results.

Company response to consumer: Closed with explanation