BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-25
Company: Experian Information Solutions Inc.
State: NY
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:
Account Number:XXXX On XX/XX/2020 I was advised by XXXX customer service specialist to pay off the settlement in full for this charged-off XXXX  auto loan Account Number:XXXX and it will be removed from my credit report from all three credit bureaus agencies. 

I have sent three rounds of dispute correspondence to XXXX, XXXX, and Experian requesting to have this Account Number:XXXX XXXX  account blocked and deleted since I was told to pay the settlement amount in full and in return it will removed from my credit report.

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 2017-12-22
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have a problem with getting my identity verified at Coinbase. It was not a problem the last few months but now it appears that they do n't know who I am. I have been unable to perform any transactions at all. I am unable to sell any XXXX, XXXX, or XXXX. I noticed about 6 weeks ago that I essentially lost control of my money and assets. After a few weeks of trying to use their online solutions, I became fed up and sought the assistance of a real person. I called at least 5 times and waited over 30 min on hold each time with no answer. Finally I just wrote an email and received a return email that said they would get back to me when they can. I have lost all buying and selling opportunities for the last month and a half. I am also unable to withdraw any funds to my bank account. Funny thing though, I tried depositing into the account from my bank account and apparently they knew me well enough to receive my money and take the deposit. I sent the email on XXXX XXXX and received an email the same day saying they will get back to me later.. I would like to have access and control over my own account and to not be locked out and ignored. Customer support is a complete joke and it feels as though they have just taken everything from me and could care less

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: Atlas Services, Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The accounts that were submitted to the Credit Bureaus are from XX/XX/XXXX for ( {$330.00} & {$330.00} ) and were submitted by Atlas Collections of XXXX, IN. The 3 bills submitted are medical bills and were included in my Chapter XXXX Bankruptcy that was Discharged on XX/XX/XXXX. One of the aforementioned bills was taken off of my credit report, but 2 of the medical bills remain on my report. I contacted my attorney 's office several times last year about the bills being on my report. The paralegal contacted the collection agency about the bills still being on my report. Since they are still on my report I went online to dispute the bills as they were already included in my Chapter XXXX. The disputes I filed have been challenged and are still there. They should have never been placed on my report in the first place and I want them removed. Why are companies allowed to place collections on the Credit Bureaus that they or the creditor they represent know that the bills are in included in a XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2021 I entered into the XXXX XXXX XXXX XXXX location with the intentions of purchasing a new/used vehicle .Upon making the decision on which vehicle I wanted I sat down with a sells rep to speak about my options. I advised the sells rep that I would be using my own funding from my credit union. A few months later I received a copy of my credit reports at which time I contacted the dealership as well as all companies that I had inquires from via phone, mail, as well as speaking with the Finance manager at XXXX XXXX XXXX XXXX in person who would constantly advise me to call the other companies. Many of the companies have stated that they have never had any of my personal information on file. The companies as well as the credit bureaus who said to contact the dealership. I have strong belief that my credit information as been leaked. Since then I have had multiple credit inquires report on my credit. Although I have tried to solve these problems on my own and have followed every protocol these companies have shown me less that the minimal customer service. During this entire process I have felt very unvalued as a consumer.

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 2022-07-15
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Equifax, disputed credit inquires at XXXX and by XXXX XXXX  the next XXXX  had results. This was not investigated properly. Now these items will remain for 2 more years

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Experian Information Solutions 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 information incorrect

Complaint:
I have several account that are in violation of my write. I do not want the company to reinvestigate because they keep getting the same information which is not correct. FCRA you must report accurate information. However I have dates that are not write. OPEN DATE, CLOSE DATE, MONTHLY PAYMENT, DATE OPENED, BALANCE, PAST DUE, PAYMENT STATUS, CREDIT LIMIT. 


I, XXXX XXXX is tired of constantly asking for the same reinvestigation. My information is not correct on each Credit Bureaus and that is a violation. The company must provide accurate information to all credit Bureaus. Each information must be the same. However, with my report there is so many conflicting information I have high lightened. In the comment section it states it has meet FCRA requirement for investigation how is that when information is still conflicting and some account do not belong to me. I the consumer and a natural person, am aware of all rights that I have, and which are protected by the CONGRESS under the Fair Credit Reporting Act ( FCRA ). The list of account below has violated my Federal Rights. My federal rights protected consumer right to privacy and confidentiality under 15USC 1681. NOW IS NOT THE TIME TO UPDATE INFORMATION YOU ALL HAVE DONE THAT BEFORE SEVERAL TIME AND STILL FAILED TO GET IT RIGHT. In addition it took 47 days to get a response from each credit breaus.

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 2020-03-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Several years ago debt was settled. Was settled around XX/XX/2013. Every couple of years since settlement, Portfolio Recovery Associates, LLC tries to collect the debt that was settled. Each time I remind them it was settled. Now they have sent me another collection notice. The amount they are asking for is {$720.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: CITIBANK, N.A.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Complaint 1. On XXXX XXXX, XXXX I found out that all my accounts were charged $ XXXX monthly fees. I truly believe that this is harassment and retaliation from citi bank because I was never charged monthly fee in the past. 
Complaint 2. On XXXX XXXX, XXXX I received a message from citi bank. " Citibank would like to take this opportunity to thank you for opening XXXX & # XXXX Interest Checking. 
If you have any questions about your new Citibank account ( s ), please contact the XXXX XXXX XXXX XXXX at XXXXCITI or visit XXXX '' I have responded immediately that I NEVER opened XXXX # XXXX Interest Checking. I further asked the bank to start fraud investigation. 
Complaint 3. On XXXX XXXX, XXXX I went to XXXX VA branch to make deposit. I never asked any bank staff regarding line of credit. However right on the second day, bank rep called me stating that he pre-approved a line of credit account for me with interest rate 2.99 %. I have rejected the phone call immediately stating I never asked this any type of borrowing product. 
Complaint 4. On XXXX XXXX, XXXX I went to XXXX branch to make deposit and demand promotional offer {$900.00} and thank you points XXXX. I was given extremely difficult time by the teller such as asking my social security number, phone number, ID etc. The teller told me this is banking policy. I asked him to show me banking policy. However he can not show my anything. I have reported this to his manager. His manager made all copies of promotional offer and checked my accts why it met promotional requirements. Second week I never heard anything. 
I do NOT think that I had any pleasant experience with this bank but to ask this bank to address the above XXXX complaints or even more. Please honor promotioal offer and unpaid bonus. So I can choose another bank with positive experience. I have all evidence in my hand. I would like to provide per your request.

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 2020-03-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Have filed a FTC report regarding accounts that were open without my knowledge : from Bank of America I have sent notices to the company and they refuse to block the unauthorized accounts. The company even sent me a letter with another relative name on it clear Identity theft.

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 2017-05-27
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I 've tried disputing a couple of fraudulent accounts on my credit report, and the Bureau has taken some of it off but only the collection things. I 've sent letters to this company, XXXX XXXX, and XXXX XXXX  and have gotten little response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine? Most recently about a month ago I did send in an Identity Theft document and all of the items it asked me to include. Feel like after six months of disputing and working hard that it 's really going nowhere. Would like to have this stuff taken off my credit report bc it is not mine. It has been well over 30 days on more than one occasion, and neither XXXX XXXX or this bureau has done anything to address the creditors disregard for the federal laws. I leave out of the country for months at a time, and someone must have used my information and apply for credits because I was always getting declined no one could tell me what happened all I know is I never had XXXX XXXX account. I found out that the bureaus collect money from creditors when it comes to credit reporting consumers. Read that the agencies make more off bad reporting than good which makes me think this is being kept on my credit report so this company can profit off my misfortune.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in my report.

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 2016-03-08
Company: M&T BANK CORPORATION
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Back at the time that XXXX sold our mortgage to M & T Bank, we have had nothing but problems. On XXXX XXXX, 2015, I received a letter from them that my mortgage was being raised by {$400.00} a month due to them not takinig care of the insurance the way they should. They received information 6 months before and put it in a file until they felt like it was time to review everything. I contacted them about this and there was nothing that they were willing to do in order to correct it. They said that it is policy and that we have to live with it. This put a financial strain on us anyway due to my partner 's health and my daughter who is in XXXX due to neglect in a group home that almost killed her. She has moved back home for us to take care of the rest of her life due to XXXX XXXX and the XXXX. M & T bank has always been a huge disappointment and we had never even heard of them until our mortgage went to them without our knowledge. M & T has never been on the side of the consumer. It is all about the almighty buck to them. I would not recommend them to anyone ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: SOUTHWEST COLLECTION SERVICES INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently discovered two collection accounts on my credit report. The accounts were listed under Southwest Collections. The original Creditors were XXXX XXXX ( {$180.00} ) and XXXX XXXX XXXX ( {$75.00}. ) I called Southwest Collections on XX/XX/XXXX to tell them I was unaware of the debts. The representative of Southwest Collections told me the debts were my wife 's debts but that I was responsible for them because California is a community property state. The representative said I was mailed notification of the debt in XXXX. I told him I never received it and ask him to send it again. He told me to contact the post office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-12
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received an alert from XXXX about a collection acount. I never received any notification from the collection agency that the account was assigned to them or that it was being reported. XXXX XXXX XXXX never sent me anything to advise that I was being referred to a collection agency. I never received any correspondence from XXXX XXXX XXXX or from the collection agency. I just saw this account listed on my XXXX  credit report without any opportunity to pay the account before it went into collections. The balance is only XXXX from a final bill that I never received and the other XXXX is from equipment that is in my storage unit. My unit that I was living in was sold and I had to suddenly move. I had mail forwarded and there was no correspondence from anyone about this account. I lost my job and couldn't make the final bill payment and spoke with XXXX XXXX XXXX and advised them of this but they never indicated the account was being sent to a collection agency. I have the equipment and advised XXXX XXXX XXXX that I am returning it via XXXX. I spoke with a rep from the collection agency and advised them that I was only going to pay the original creditor and the represetative stated that I had to pay them and that even if I paid, they would not remove the account from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I used my mortgage company 's website to set up an online payment as I usually do each month. The payment was set up to be paid on XXXX/XXXX/15. I received XXXX emails from Ocwen confirming I successfully set up my payment. They usually do n't take it out of my bank account on the day I request so when it did n't happen right away I did n't notice. When I reconciled my bank account last week I noticed it still had n't come out and got concerned. I logged into the website and it said I still owed my XXXX payment. I also noticed that their confirmation emails did n't arrive until after XXXX/XXXX/15, making it seem impossible for the payment to come out on time. Since it was the weekend I emailed my concerns but did not hear back. I called today and was treated very badly. The Ocwen representative assumed I was lying even when I asked him how to forward the XXXX Ocwen confirmation emails I had received earlier in XXXX. I had trouble understanding him but he finally said that no late charges had been added and did I want to make a payment. I said I would make the payment online so it cost less ( {$10.00} ). He said " so you 've waited 21 days to call and now you do n't want to pay ''. I am upset with his attitude and with the fact that I had to pay {$10.00} for an online payment I had set up on time. I do not trust them to now take the payment accurately and am worried they will take it twice. Ocwen 's communication has always been poor but we are trying very hard to stay current and they are treating us badly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have been a Bank of America customer for 3 years with a small business account, recently I moved from XXXX to XXXX. I met a women from XXXX also and become very close to her. I went out of town and trusted her with my account number to deposit money into my account from a work booking that I asked her to take care of. The time I went out of town I was very busy moving around and preparing for my permanent move to XXXX. I checked my account but did not do a through check for any errors just to make sure some money was deposited from work, once I returned to XXXX about two weeks later XXXX $ was reversed from my bank account. I called and tried to contact the women whom was my friend had dissaperead, she blocked me from social media, she had moved from her apartment and I could not contact her.. Continuing on about a month later XXXX $ had been reversed from my bank account causing it to overdraft, I could not understand why so I immediately went to a banking center. I filed a claim at the bank over the phone and filed a police report for fraud naming this women as the person of interest. After a week goes by I finally get some type of answer from a Bank of America associate explaining what had happened, someone posing as me stole my information and filed a claim stating they deposited money into my account gotten a temp credit and immediately with drew it. I did not file this claim nor do any of this. My information was stolen and fradulant activity was done and I am being held accountable for it. This has been a nightmare and it seems as if the bank does not even care they have not fixed the issue and has denied my claim.

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 2022-03-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been contacted by phone by XXXX XXXX XXXX XXXXXXXX indicating they are a courier notifying me of a debt from overdraft fees they state I owe Fifth Third Bank and threatening legal action. I have repeatedly told them I have not held an account with Fifth Third Bank in XXXX years. They stated my account was never closed and that I needed to prove that it was which is to say ridiculous given the amount of time that has past. I have had no correspondence from XXXX XXXX regarding this either. These individuals contacting me had my personal cell phone number which I did not have at the time of the acct those years ago and they had my social security number. I don't know if this is a scam or improper debt collection but I can not possibly be held liable for debt from XXXX years ago that I didn't even know I had. I live in NC. I have filed a complaint with the NC DOJ consumer protection unit but these individuals are calling from out of state. The numbers that they are calling from are XXXX and XXXX. When I asked for proof of debt they sent me emails from docusign. I'm not uploading or signing anything from them. I have requested they cease and desist contacting me regarding this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX, has violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2. It also stated 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