BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-15
Company: Circle Internet Financial
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
USD Coin - USCD for short - is a supposed " XXXX '' issued by XXXX for use in buying and selling cryptocurrency. 

XXXX as a company has raised {$1.00} XXXX dollars in 11 rounds of backing. 

However, they have issued {$51.00} XXXX of USD Coin. 

They claim that each USD Coin is worth {$1.00}, and : " USDC is fully backed by cash and short-dated U.S. government obligations, so that it is always redeemable 1:1 for U.S. dollars XXXX Each month, we publish attestation reports by XXXX XXXX regarding the reserve balances backing USDC. " Where did the other {$50.00} XXXX that they purportedly have come from? They haven't raised anywhere near that much from investors. 

XXXX XXXX claims to attest to the value of their accounts every month, but XXXX XXXX has a history of deficient audits going back to at least 2005. And they are not, in fact, auditing their accounts- only attesting to them. 

I am not sure how it is possible for them to really be backed by {$51.00} XXXX when they have raised {$1.00} XXXX, and it smacks of an obvious scam- they have " minted '' over {$50.00} XXXX in this " coin '' off of a {$1.00} XXXX investment. 

Moreover, some crypto websites offer 9 % APY if you hold USDC, such as XXXXr - and USDC itself previously offered very high APY before cutting it. 

All of this smacks of a fraudulent scheme, where people purport to have something equal in value to {$1.00} USD, but it is not. This allows them to trade their worthless " coins '' for other forms of cryptocurrency, which they can then sell for cash. 

All of this is on top of the obvious fact that there is no reason for a " stablecoin '' to exist at all- if a stablecoin is worth {$1.00} USD, why would you ever not just keep {$1.00} USD, like people do with stock brokerage accounts? 

The only reasonable answers to this is that the {$1.00} USD that supposedly backs these coins doesn't exist, or that you are doing something illegal with this supposed " money '' that you couldn't do with actual US currency.

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 2019-12-13
Company: Designed Receivable Solutions, 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: Account status incorrect

Complaint:
I have been working on improving my credit. I had 1 delinquent account left. So I contacted Design Receivables Solutions to get some information about the account. The balance began at XXXX. I noticed the balance had risen to XXXX, so on XX/XX/XXXX I called the collection agency to see what can be done. I was interested in making payments but before I could even ask. I was immediately offered a deal by the gentleman from the agency. He told me if I was willing to pay my debt in full they would be willing to remove it from my credit report. I was very surprised by the offer because I didn't know they did that sort of thing. It wasn't really a good time for me to pay the XXXX in full because money was tight. I took into consideration that I probably wouldn't get the same offer had I just made payments. I asked if they could send me a letter guaranteeing this account would be removed. I was told they didn't do that sort of thing but that they would mail me a letter after my payment was processed. So I agreed and paid the balance in full. I waited and continued to check my XXXX XXXX account for a update on my debt. I noticed the agency had reported it paid in full & account closed. This was not what we had agreed to. So to filed a dispute with XXXX  and as it turns out the agency denied that it was to be removed and it was to remain on my credit as a closed account. This is so wrong and I find it unacceptable that someone could get away with lying to me. I paid in full as agreed. I held up my end like I said I would. My question, " Why are they allowed to get away with not holding up theirs? '' I could've set up payments instead of being broke for that week and got the same results. I'm raising my nieces XXXX daughters without any financial help and my budget is tight ... .at any rate it was a stressful tight week. I'm very upset I know this is my responsibility but I don't appreciate being lied to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: EQUIFAX, INC.
State: CA
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:
Here is the name of the company that says I had a credit card with them. 

Phone : XXXX FAX : XXXX Correspondence address : XXXX XXXX XXXX XXXX PO Box XXXX XXXX, OR XXXX I have disputed this credit report entry twice and have got nothing more than the credit agency telling me that the entry stays due to the company verifying the account was accurate. That is total horse XXXX, as I never opened this account or made any charges on it. When I requested proof that I opened this account I got no response. 

The 3 credit reporting agencies are all guilty of violating the law and this company is too. I will proceed to a lawsuit if this is not taken care of by this last effort.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Here is the name of the company that says I had a credit card with them. 

Phone : XXXX FAX : XXXX Correspondence address : XXXX XXXX XXXX XXXX PO Box XXXX XXXX, OR XXXX I have disputed this credit report entry twice and have got nothing more than the credit agency telling me that the entry stays due to the company verifying the account was accurate. That is total horse XXXX, as I never opened this account or made any charges on it. When I requested proof that I opened this account I got no response. 

The 3 credit reporting agencies are all guilty of violating the law and this company is too. I will proceed to a lawsuit if this is not taken care of by this last effort.

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 2016-06-18
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have XXXX student loans XXXX with XXXX and the other XXXX with XXXX XXXX. XXXX accounts were purchased by Navient. 
Once Navient had possession of the accounts they 've been incorrectly reporting me as delinquent numerous times when I was on deferment and forbearance. I asked them to provide proof of what theyre reporting or remove the incorrect items from my report and they refuse. I called them on XXXX XXXX and a young lady answered the phone and claimed that she would transfer me to the right department that could look further into it and every time she would disconnect the call.. After calling back twice after she conveniently disconnected the call a recording would then pick up instead saying that the the office was now closed for the day at XXXX in the afternoon. Theses people are ridiculous and frivolous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
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 recently obtained a copy of my credit report and saw that you are reporting inaccurate and incorrect information in the personal information section of my credit report. To diminish any speculation my information is as follows : Name : XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them Address : XXXX XXXX XXXX XXXX, PA XXXX Please be sure that my address is listed correctly. 

Employer : XXXX XXXX XXXX XXXX ss # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX {$240.00}

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 2016-04-05
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The former owner of the telephone number has debt. I have tried to tell the creditor, they have the wrong number. They keep calling. I have filed a complaint with the attorney general. I have asked to speak to a supervisor and it goes to voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30
Company: LEXISNEXIS
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
First let me clarify that my complaints are to the " consumer file reporting agencies '' .I had no idea that these data miners existed. I thought it was just the big XXXX Credit Monitoring Agencies. I may have not listed my complaint in the right catagory because Im not exactly sure what LexisNexis, larity ( and the others ) are reporting on me. The reason why I was denied a loan from XXXX is listed below ( allegedly ). Having to do XXXX separate complaints is time consuming so Im using the same complaint but submitted it 4 times to the XXXX companies listed I applied for an auto loan with XXXX. The denial letter I got stated some, " whole or in part '', the reasons on how they based their decision. The reporting agencies are XXXX, XXXX, XXXX and LexisNexis. The first part of XXXX reasons for denial was " could n't identify or confirm my personal information. I filed a complaint with XXXX on XXXX/XXXX/2016 stating that my information was not up to date and a collections account is not mine. Originally XXXX had stated that the dispute ( samer reasons plus identify fraud issues ) I had with them ( XXXX ) were resolved. ( results from XXXX= deleted from my credit ) and that they ( XXXX ) would contact XXXX and XXXX to do the same. XXXX and XXXX has not. Ive attached the email from XXXX, the dispute results from XXXX ( nothing was done ) and the XXXX report as to why they denied me. I have filed complaints with all XXXX reporting companies. XXXX, LexisNexis, XXXX, and XXXX. My last dispute was with XXXX on XXXX/XXXX/2016 The results for that dispute were unsatisfactory. The account disputed was still listed and more importantly they have old personal information ; address, name and employment information that hasnt been updated from 10 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I paid off my lease with Chrysler Capital in XXXX by doing a lease buy out with my bank. In XXXX, I accidentally made my new loan payment to the lease with XXXX instead of my new bank loan. On XX/XX/XXXX, as soon as I realized this error I contacted XXXX. I spoke with a gentleman who assured me that since the account have been paid in full, the additional payment would be returned to me. After XXXX days of not receiving my monies back, I contacted XXXX again and they told me that I would need to provide a full copy of my bank account statement, with no redactions, in order to get my money back. This was never told to me and I informed the last that I would not be sending my personal identifiable information for my checking account. This is an invasion of my privacy. I asked for alternate options to which I was told that they understand my privacy concerns but that is their policy. They are making it difficult for me to get my money back. This is an unfair practice and a tactic to keep funds that dont belong to them.The funds were sent via ACH from my account through bill pay and those funds need to be returned to me. I tried speaking with a speaking with executive office and after an hour was told they would need to return my call. 

Pleas help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
I recently reviewed my consumer report and I became aware that this company is furnishing Incorrect information on my consumer report across the 3 major credit reporting agencies. This information is not 100 % accurate across all three and this account must be removed due to its inaccuracy. It is to my understanding that pursuant to 15 USC 1681 ( a ) 1 that the banking system is dependent upon fair and accurate credit reporting and this inaccuracy directly impairs the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( a ) Accuracy and fairness of credit reporting 15 U.S. Code 1681 The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: MIDFIRST BANK
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We are trying to close on this property ( we are the sellers ) and suffered a loss due to theft of copper pipes, appliances, and damage to doors and floors. We jumped through every hoop set forth by Midland including the contractor choice being influenced by them in order to get the check endorsed by them and expedited back to us. We got them the insurance check on this Tuesday morning ( the XXXX ). The person we spoke with on Tuesday or Wednesday indicated Midland had everything they needed to get the check endorsed and sent back to us overnight per our request. The contractor will not start work until they are paid in full because the bulk of the bid is for materials and appliances. 

Now we are being told that they are treating this case per their delinquent mortgage process because they have us listed as and reported as delinquent under the CARES Act COVID forbearance we signed up for. They state this is because we were delinquent as of XX/XX/20 even though we brought the loan current by way of a permanent XXXX after XX/XX/20. We requested the CARES Act COVID forbearance as of XX/XX/20. As a result of their misinterpretation of the CARES Act, they are reporting us as late and will only release the insurance proceeds in stages, which our contractor will not accept and will not perform any work on or purchase materials for the property until they receive all the funds. 

This is putting us at a disadvantage because Midland and its fraudulent practices are keeping us financially beholden to them and preventing us the means to pay this mortgage loan off in full. Our buyer might back out if the closing is pushed out again. The only thing holding up payment of the mortgage loan in full is Midland itself. Failure to pay this loan off is also harming HUD as this is an FHA loan.

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 2017-09-30
Company: I.C. System, Inc.
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Noticed this item on my credit report XXXX XXXX ). I never received letter from this company. Also, XXXX contacted me on or about XXXX XXXX, XXXX, in regards to this matter, and did not send me a conformation email, or mailed letter.

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 2022-11-09
Company: EQUIFAX, INC.
State: VA
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:
XXXX, Equifax and XXXX all used my information incorrectly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account number XXXX, has violated my rights. This account is not mine and is reporting in error. I was not notified of any negative information on my report. Delete for inaccuracy because date of last active is incorrect because this account is not mine. Delete for violation of 15 U.S.C 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has r easonable cause to believe that the information is inaccurate.

15 U.S.C. 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I attended XXXX XXXX from XX/XX/XXXX, graduating in XX/XX/XXXX. I attended a private university, which of course came with a higher tuition rate. Although I did my best to limit loans taken out for living expenses, by the time I finished my XXXX 's Degree I left with $ XXXX- {$95000.00} in school loan debt. I stepped into a field that entry level even with a XXXX 's degree, salary was initially {$35000.00} a year. Fairly immediately, I switched my loan to income based as there was no possibility of paying the standard monthly amount. I have been fortunate enough to continue growth with salary, and therefore increase in payments over the past 9 years. I have diligently paid on time each month, only taking deferment from loan for a short period while I went back to school for an additional field. Through this 9 year period, my loan servicing company has been passed around at least a half dozen times, eventually splitting multiple loan service organizations. I never felt the need to consolidate my loans knowing that the likelihood of my loan payments going down was limited. However last year I was frustrated with organizing 3 different payments to 3 different companies that held my loans and decided it would be helpful to combine. I consolidated my loans to Navient, which mind you one large amount was already being serviced through them after all the passing around without my say. As expected my monthly payment has stayed about the same. I was absolutely devastated when I had learned after already agreement to consolidation that my 20 year loan forgiveness ( based on Pay as You Earn ) was starting over. My 8 years of consistent, monthly, and substantial payments based on my pay and city of residence was wiped away. Navient was anything but helpful or empathetic to my overwhelm, and passed me to student government loans, who then said I had to talk to Navient. I have been keeping up with m nearly {$600.00} payment each month, and am finally gathering my energy to attempt to voice my experience, and attempt to correct what I think was a neglectful support from the loan organizations. Even more devastating, looking at my loan balance today, my balance is {$140000.00}. {$45000.00} more than the day I graduated 8 years ago! I estimate that over these 108ish months of payments, I have paid back $ 43-48,000 which has not only appeared to go no where in the balance, but even further, has been exacerbated by this same amount. This is unacceptable based on how hard I have worked to keep up with payments and stay in good standing with my choices. I feel pushed around and unimportant in this system, and no doubt this is impacting me heavily with no signs of relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
Name being used to open credit card by ex-wife XXXX XXXX Capital one credit card She has done it before XX/XX/2022 XXXX

Company response to consumer: Closed with explanation