BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-09
Company: Experian Information Solutions Inc.
State: NC
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 disputed with EXPERIAN XXXX AND XXXX SEVERAL TIME LETTING THEM KNOW I HAVE INQUIRIES LISTENED WITHOUT MY CONSENT, I did not give permission to inquire and I demand each one list be deleted immediately and pay {$1000.00} per fine per violation, they are listed belowXXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-25
Company: Credit Control, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My previous complaint : XXXX SUBMITTED ON XXXX/XXXX/2020 PRODUCT Debt collection ISSUE Written notification about debt. 

I have received another letter regarding XXXX XXXX as current creditor, but from a different company. Credit Control LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX, MO XXXX, XXXX. 

The letter is dated XXXX/XXXX/2020. It is alleging I owe {$530.00}. As I stated in my previous response letters and in the previous complaint ; 1 ) I am disputing that I owe them any debt.

2 ) The dates provided of the alleged debt are past the statute of limitations. and 3 ) I want the letters to cease and 4 ) I want all collection activities as it relates to this alleged debt to cease.

5 ) Finally, I would appreciate a direct response to my request and complaint. 

Thank you, 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 explanation
Consumer complaint received 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Reporting agency is reporting inaccurate, invalidated information in which has harmed my credit report tremendously and has caused me severe stress. I am demanding this information be deleted immediately.

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 2022-10-09
Company: Experian Information Solutions Inc.
State: AR
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 Collection 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 : also states a consumer reporting agency can not furnish an account without my written consent. I have disputed multiple times and account has not been removed. This is causing a huge delay in my personal life and I really need this taken care of so that I can move forward.

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 2022-08-04
Company: EQUIFAX, INC.
State: TN
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:
My credit score has been placed in a lower band level due to Equifax drastically dropping my score. I recently got approved for a new credit line. About 45 points was taking as a result of this. This isn't the first time I have experience a drastic drop in my credit score with Equifax. How do you come up with how many points should be taking and what constitutes it? 
I am being discriminated against. This is defamation of character. This has ruined my reputation and credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Medical-Commercial Audit Inc
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
LAWFUL NOTICE OF DISPUTE This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ).

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17
Company: Persolve, LLC - Legal - Series 2
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
LAWFUL NOTICE OF DISPUTE This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ).

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Maximus Education, LLC dba Aidvantage
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I sent a letter to Aidvantage requesting verification that authorized them to collect any alleged debt that they assume that I, the consumer, owe. The company replied saying that my request was frivolous. I am aware that I have a right to request verification/validation from debt collectors who assume that I owe on an alleged debt. I have never entered into a contract of any sort with Aidvantage. This is considered unfair practices pursuant 15 USC 1692f ( 1 ). The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to become subject to any practice prohibited by this subchapter. The false representation of any services rendered or compensation which may be lawfully received by any debt collector for the collection of any debt is a violation of the FDCPA. These are laws under the Fair Debt Collection Practices Act that Aidvantage is violating. Pursuant to 15 usc 1692c ( c ), I demand Aidvantage to cease and desist all communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: EQUIFAX, 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:
On XXXX XXXX, 2020, I sent a letter to your company disputing incorrect information on my credit report but they did not correct the erroneous information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report, which they failed to do so. Physical verification was not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
LAWFUL NOTICE OF DISPUTE This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

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 2020-03-10
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:
Please DELETE and and all of the FOLLOWING NOT COMPLIANTLY or NOT PROVEN COMPLIANT REPORTING ACCUSATIONS or any DEROGATORY or adverse aspects of the accounts listed below

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: Jvs group
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I received a call on XXXX/XXXX/2015 at XXXX from a collector at JVS Group XXXX a collection company ). He may have told me his name, but I do n't recall hearing it. I submitted disputes to the credit bureaus and also directly to this company on a debt I allegedly owe. I wanted to get validation before I pay the debt as I am allowed under the FCRA, FDCPA. I was told over the phone by this gentleman at JVS Group that I had to talk to him on the phone since the account was disputed, per the law. That is a lie and that is not required under any Consumer Law. The same person also told me that the account was with the clinic, but I never was at the clinic he claims I was, but I did go to the hospital. That same person said he had pictures of me at the clinic, which I took as a threat to pay the bill. The phone call ended, which I believe was because he hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Unauthorized accounts and charges along with collections and unknown opened accounts with my personal 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 2017-04-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I visited a Chase branch to discuss a credit card transfer and while I was there the banker mentioned the {$300.00} coupon they have for opening a checking account with direct deposit. So I agreed and spent the next hour opening up a checking and savings with the Chase banker.      After my  XXXX  direct deposit I waited a week and checked my statement to see if the {$300.00} had posted into my checking account yet.     It had not posted so I called up to the banker who opened my account to check the status. She got with the bra nch manager and t hey said they would get back to me the following day.     No one ever got back to me so I called back and talked to the branch manager and she mentioned she would contact the back office again.     After I never heard anything again after a few more days I went up to the branch to see if I could resolve the issue in person.     I was then told by the branch manager that there was nothing she cou ld do bc the ba ck office said even though it was the bankers mistake of not entering the coupon code correctly, I would not be able to get the {$300.00} I signed up for.     I immediately pulled all of my money out of my checking and savings account with Chase because I was furious and emotionally drained from all of the time spent opening an account/following up/closing my account.     And I find it hard to believe they do n't owe me my {$300.00} still.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-25
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2020 I was logged out of my Coinbase Pro account on the app on my phone. When I attempted to login I was prompted to input a code from an authenticator application. I dont recall setting up any Coinbase credentials on any authenticator app or if I did its no longer available on any of my apps. I submitted a ticket so the Coinbases support team to assist with resetting my authentication method. Upon receiving my ticket, the Coinbase specialist disabled both New York Coinbase and Coinbase Pro accounts, logging me out and locking me out of one account that I had no issue accessing and locking me out of the account I needed assistance with the authenticator.

After submitting the information requested by Coinbases specialist the specialist promptly restored my accounts however did not assist with my authentication issue. After I sent a follow up email to the specialist, the specialist immediately disabled my account again and stopped all further communications and work on my ticket. The specialist also refused to close the ticket so another specialist could be assigned to a new ticket. Both my accounts have been disabled for over six days and I have not received any communications from the specialist or any one else working on my issue in over 72 hours. Coinbase support team represented multiple times that my account issue would be resolved in 4-5 days, however its been over six days and I havent even received an update. After searching a few minutes on the public Coinbase help page I found the solution to my original problem described in my ticket. I sent the details and a link to the page to the support analyst who ignored my email despite providing the solution and continued to hold my account and funds XXXX by refusing to restore the account. 

As of today, XX/XX/2020, Coinbase has illegally been withholding access to my accounts for over six days without any justification especially with respect to their decision to restore and then subsequently disable after following up requesting assistance with the reason I submitted a ticket. My accounts total in excess of {$54000.00}. Coinbase in its own policy represents that is has no title to assets held by other individuals, and is illegally withholding my assets and money from me without cause.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Unauthorized accounts and charges along with collections and unknown opened accounts with my personal 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 non-monetary relief
Consumer complaint received 2022-03-17
Company: TD BANK US HOLDING COMPANY
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/2021, TD Bank froze my business savings account and has not given me access since. I have prove of e-mails attempting to fix this. I have called customer service countless times and even traveled back to the east cost from the Midwest where my husband was stationed, to fix this issue. I was told it would be resolved and my {XXXX} would be sent to me in a check and my account would be closed. This was XXXX XXXX XXXX Nothing ever happened. I have not had time to go home and fight this again, as I work full time and have XXXX kids. I need this resolved and Im not sure I can afford a lawyer to handle this issue. This is poor unacceptable customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-31
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: SC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I opted out of ACH automatic debit after the death of my father. I was and am experiencing hardship. Cash Central attempted to illegally debit my checking account. I have documents to prove this. I had a stop payment issued to protect me. But Cash Central emailed me indicating the illegal attempt to debit. 

I am now trying to work with an attorney to help me with settlement or bankruptcy as too far behind to make timely payments. 

Is there a fine that can be issued to Cash Central for their illegal actions? If so, perhaps I can pay my debts with that money and be spared any further hardship. I appreciate all help with reparations for this crime against me. They were very intimidating to me on the phone. I felt extremely threatened and violated as my rent money was at risk. 

All help appreciated, including attorney referral. 

***Please let me know where to forward documentation. I will need to find the paperwork and email to you in a separate communication as I recently moved. 

Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: SUNRISE CREDIT SERVICES, INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/22, I received the results of a previous complaint that I filed via the CFPB on XX/XX/22 regarding a collections account balance. XXXX XXXX XXXX responded, stating the account was closed as fraud and deleted. The dispute was settled. I was then instructed by a CFPB representative ( who confirmed the account was deleted ) to submit this information to XXXX, XXXX, and XXXX so that could be reflected on my credit score. I did so on XX/XX/22. Today, XX/XX/22, they have completed my disputes and said that the debt is still owed on my account according to Sunrise Credit Services who has verified that it belongs to me. This can not be correct as it directly contradicts the results I received from the CFPB last month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions Inc.
State: NJ
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:
The Following My report provides inaccurate personal information. The following credit report inquiries are also unauthorized : I have no contract obligations with these companies, have never required anything from them, and have never authorized these inquiries in any way. That indicates that the bureau has not complied with the Fair Credit Reporting Act law and has continued to report incorrect information on my credit report. 
INACCURATE NAME : XXXX XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-11-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Someone in the State of Utah has obtained my personal information. They were even working with my social security number. There were numerous collection accounts showing on my credit report. I have been successful in removing several but not all. These accounts are not mine and I do n't understand why the credit bureau is refusing to remove them. Please advise as to how i can have these removed as they are seriously affecting my life. Im trying to move into a home and this is causing a huge problem. I could potentially be homeless with my XXXX children. 
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 2020-12-25
Company: SYNCHRONY FINANCIAL
State: WA
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:
For years I have asked XXXX to remove 3 recorded late payments from my credit report. The payments were not late. XXXX had an issue with processing payments that were sent to them while I was in another country. I was told a few years ago by one rep that they would update the information and they didn't. I then reached out to the bureaus again and they keep saying that XXXX will not remove this inaccurate 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