BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-05
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I have filed a dispute to remove a address from my consumer credit report. 

XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX and XXXX have remove the address from my consumer credit report. 

I have a right to a accurate comsumer credit report under the fair credit reporting act 15 U. S code 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: EQUIFAX, 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 applied for a credit card and got denied. I was not told the reasn why i got denied, I went home and decided to get a copy of my credit report in XXXX  XXXX and I saw various items that had been open. these items are not mine. Someone has used my information to open up all these fraudulent accounts. Please take them off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I sent a letter via certified mail and requested that Clarity Services as a part of Experian place a security freeze and opt-out of prescreening offers. They sent me a generated email advising that I need to verify the information I sent them. I sent them the demand along with the notarized letter, a picture of my passport, and an image of my bank statement reflecting the accurate information. They failed to update my information and are fighting me about verifying my identity when I already sent them documents. What else do you need from me? My blood type? My XXXX? What else? Stop making this mess so XXXX difficult. I can not get a notarized letter without being at the notary. I sent you a document reflecting my address. The next step is a lawsuit. I have the right to privacy

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 2021-04-14
Company: Nelson Cruz & Associates LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The original debt of {$250.00} was through XXXX XXXX, which sent it to XXXX XXXX XXXX 's collection agency, I then paid it to them XX/XX/XXXX. Therefore the account was paid in full. 

Now, this collection agency : Nelson Cruz,XXXX  XXXX XXXX , XXXX XXXX XXXX , TX XXXX M-F XXXX CST Customer Support ( XXXX ) XXXX Has recently reported this account as delinquent to the credit bureau which causing my credit score to decrease by 32 points. I am in the process of trying to buy my home. 
I have contacted them by phone on XX/XX/XXXX, after noticing the change in my credit report. Also by e-mail on XX/XX/XXXX. XXXX, I sent them a copy of my receipt too. However, on XX/XX/XXXX, the collection agency flagged the account in the credit bureaus. Also, they started the account was open in XX/XX/XXXX. Which is false information being reported too.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: Seattle Service Bureau, Inc
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
National Service Bureau continues to report derogatory information to the XXXX major credit reporting agencies for an account that does not belong to me. I have requested that they provide the following information to validate the debt : XXXX XXXX with your client that grants you the authority to collect on this alleged debt. XXXX XXXX that bears the signature of the alleged debtor wherein XXXX agreed to pay the creditor. 
XXXX Any insurance claims been made by any creditor regarding this account. XXXX Any Judgments obtained by any creditor regarding this account. XXXX Name and address of alleged creditor. XXXX Name on file of alleged debtor. XXXX Alleged account number. XXXX Address on file for alleged debtor. XXXX Amount of alleged debt. XXXX Date this alleged debt became payable. XXXX Date of original charge off or delinquency. XXXX Verification that this debt was assigned or sold to collector. XXXX Complete accounting of alleged debt. XXXX XXXX for debt collector if collection efforts are successful. This agency has yet to provide this information, yet continues to provide information the bureaus that has affected my credit rating unfavorably.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
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: Account status incorrect

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : Experian : XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX : XXXX XXXXXXXX XXXX : {$3500.00} XXXX XXXXXXXX Balance : {$2300.00}

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 2017-06-28
Company: Avant Credit Corporation
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
First let me say I 'm a member of the Armed Forces for this great country & take a huge pride in protecting it but I 'm totally against people being taken advantage of. I obtained a loan through this company & made payments on time. Shortly after I spoke with customer service & asked if i made a large payment could it be forwarded to future payments so I would n't have a payment due for about a year, they informed me that this was okay for me to do so I made the large payment. About a week after making the payment I checked my account status online & yes it stated that I indeed do n't have a payment for a year. 6 months down the road I get a notice about a payment being due so I called in & explain the arrangements that were made & they told me that it was a mistake & payment was now due. Of course I 'm furious, the rep advised me that they would escalate the issue & someone would call me back. I even had the rep look into my payment schedule & he agreed that he didnt know why i have a payment due when the online payment schedule even states that its not due for another 6 months. When a higher up called me they informed me that my payment was past due & a mistake had been made, i even looked online & behold they had changed that status to reflect that my payment was now due instead of the aformentioned 6 months. I 'm on a fixed income & ca n't afford to be swindled out of my hard earned money. This company has even reported negative marks on my credit report. I want this bad report removed from my credit profile. I 'm already considering contacting the local media about this issue in addition to letting all my family, friends, & co workers know what kind of business practices Avant is in to!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
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:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2022-06-10
Company: Experian Information Solutions Inc.
State: AL
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:
So I sent a letter on XX/XX/2021. To remove personal information that i don't want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy, also according to 15 USC 6802. No Financial institution is not suppose to share my informant ion to third party people,

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 2017-10-18
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Paypal limited my account on XXXX for additional documentations. After I uploaded my identifying documents and business documents, Paypal decided to permanently freeze my account and lock my fund for 180 days citing " security reasons '' for chargebacks. This is absolutely ridiculous, all the payments I received are from Paypal funds or checking accounts. This is their way of getting a free loan from their customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-23
Company: Mary Jane M. Elliott, P.C. Attorneys At Law
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I signed up with a company that helps people pay debts. I didnt know about this debt until I recently had my credit report pulled. I have not received any information to verify the debt. When I call I can never get anyone to answer the phone so that I can pay on the debt. The company I signed up with for debt consolidation cant get in contact with them. From the reviews of the website Im not the only person who has issues trying to pay on their debts. If it is mine I will pay it. Ive tried for 2 months to get information and I cant get information because no one answers the phone. I get phone calls threatening a lawsuit but I havent been served yet. I was trying to avoid a lawsuit but now Im just fed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
No information about this medical debt. Need to be eliminated

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 2017-10-18
Company: Coinbase, Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I sent a wire to Coinbase company on XXXX/XXXX/XXXX and per their web site it should credit my account same day or next business day, till date XXXX they dont reply to my inquires nor do they have a phone number to call them. I emailed their bank XXXX XXXX bank and they told me that they received the wire same day I sent it and credit it to Coinbase account. They have kept my money for 5 days and Im getting no where with them and feel I got scammed or they are utilizing my funds to make profit. Please help me as I feel so desperate at this point Wire amount {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: KEYCORP
State: NY
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:
According to Key Bank - my MC issued by  XXXX   XXXX  bank was closed because they received a report dated on  XXXX   XXXX ,2017 that I filed  Chapter   XXXX  bankruptcy.   Fact : I did filed a bankruptcy but that account was never included.   The account that they closed was of good standing -just made a $  XXXX -payment. The credit limit was {$5000.00} and it has an outstanding balance of just over {$2000.00}. I can not access the account thru online banking and I only have those paperless banking so I do not have papers.   I am trying to fix my credit and I have been keeping this account of good standing. I find it very unfair to just close the account that does not have a problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: DISCOVER BANK
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:
In XX/XX/XXXX Discover closed my credit card account " due to inactivity ''. This was my oldest credit account and has negatively impacted my credit score by over 100 points.

My credit card from Discover was opened in XX/XX/XXXX. My last payment on the card was XX/XX/XXXX. It was closed on XX/XX/XXXX without my consent. 

Why all of a sudden did they close it after nearly 5 years of inactivity? 

I did not receive notice that they were going to close my account. I have called them numerous times to try and have my account reopened and they are denying the request " due to their policy ''. 

I can understand closing an account due to inactivity but I think there should be a way to reopen the account and start using it again. Especially since the credit score system calculates your " credit age '' only based on your accounts that are currently open. 

I have seen online that other people have successfully had their accounts reopened by filing a CFPB complaint and am hoping to make some progress in recovering the last decade of my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
On XX/XX/2022, the company received a dispute from me telling them to remove information that I did not explicitly consent to be furnished to my consumer report. my information was obtained without my written consent, which constitutes fraud. the credit reporting agency has no proof, and can not and did not verify any of the information. The company did not respond, it has been more than 30 days.

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 2021-10-18
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Companies use LexisNexis Identity Verification services to verify identity. XXXX and XXXX ( the travel pre-check service ) both used LexisNexis Identity Verification in attempt to verify my identity. The automatically generated questions that LexisNexis 's product came up with were entirely inaccurate/ impossible for me to answer. One asked about someone named XXXX XXXX ( have no idea who that is ). Another asked what professional certifications I had ( none of which were relevant ). Both with XXXX and with XXXX, I failed the Identity Verification because of LexisNexis 's flawed product and inaccurate questions. I would like to rectify this problem as fast as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
I am a victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX have reported fraudulent info on my consumer report that need to be removed 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 explanation
Consumer complaint received 2019-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have three accounts with Bak of America. We are working on getting them all closed. One of the three accounts has a negative balance that is only fees. The monthly fee creates an overdraft fee etc. I would like the fees to be waived and my checking account closed.

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 2019-07-24
Company: Porsche Financial Services, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
XXXX manager submitted incorrect income information in credit application to multiple banks. Due to this error, auto loans were denied and left me with limited choices to choose for the loan. 

Even though the deal was finalized and completed, credit inquiries with dates after the transaction was done have shown up in my credit report when I did not need a loan anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: EQUIFAX, 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:
I have been having issues for over 2 years since my next door neighbor moved in with the same last name & our mailbox is right next to each other. Our mail constantly get mixed up & As I am nice enough to return there mail unopened they do not return the favor. Last two years has been the most stressful time of my life because when they get a hold of my personal information I started getting alerts of people applying for things in my name. I was getting inquiries for credit cards, mortgages & everything under the sun that I never applied for. XXXX XXXX XXXX has been great with helping me to resolve my issues. Equifax on the other hand after numerous certified letters they refuse to acknowledge that I been having fraud committed against me. They refuse to remove all the inquiries on my credit report no matter what proof or letter you send in. Equifax is the only credit company that do not verify accuracies of debt & refuse to remove them. They break every law & act as if we the people do not have any rights. They requested a police report & because its a federal case the police can not give a report. I have explain this to XXXX different representative on phone & in writing & yet here we are. This is a case I can easily win in court & if Equifax do not remove all five inquiries off my credit report than was fraudulently done I will sue them for violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Between XXXX XXXX and XXXX XXXX of XXXX, I received 2 notices of being enrolled in XXXX for a Citibank issued account. I have been a customer of Citibank for over 15 years so this could reference a number of things. I have held 4 department store cards, 3 business accounts, and 8 checking and savings accounts issued by Citi in that time.

The 1st notice said that I was enrolled and if I had no knowledge of this to contact them. The 2nd notice stated the same, adding that if I had not provided consent for being enrolled I would be issued a refund.

I called Citibank for a separate issue and asked about the letters. I was transferred twice before anyone knew what I was referring to. While holidng, I researched " citibank accountcare refund '' online and found that Citi will be refunding over $ 7M for illegal financial services billing and account management. 

Finally, I was connected with a credit card department refund assistant. She said that she could n't help me without detailed information from the letter. Because I am traveling at the moment and only have the confirmation number, I did n't have the actual letter. She directed me to the website for more info, which consists of only 2 pages - one to submit a claim and one page for FAQ. The FAQ page only has 11 questions with very little information and no phone number or options to contact Citi. I promptly gave her my opinion of her poor customer service and my disappointment that despite sitting in front of a computer that she did n't even offer to look me up by name or SS #. She responded by transferring me to someone who could. 

The second person was more apologetic about the situation but not much more helpful. She prefaced the conversation stating that her job was to help people access the website and she just so happened to be helping out with this refund situation. She answered two of my questions - if the notice letters were duplicates ( or were they for 2 separate accounts ) ; and which account was the letter was sent. All other questions were not answered. She said she did n't have access to any of my previous information about the account that is being refunded, she could n't tell me the timeline of when these fees were charged, nor when the refund claim would be processed, if I was going to receive the refund at all, nor if any of my other accounts were entitled to refund. She put me on hold twice to contact " account research '' and both times no one in that entire department was available. Finally, I asked for a number that I could call back to follow up and she said she has no other citibank phone numbers except her own.

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