BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-30
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:
On XX/XX/2018 I got an alert on my credit report saying I had collection accounts effecting my credit score. There were 3 accounts with a total of about 65k. So I did some investigating and found the company XXXX XXXX as the collection company. They listed the original lender as XXXX XXXX ( which does not do student loan lending ) but my credit report has XXXX XXXX XXXX as the original creditor. So I disputed this info on all 3 reporting agency reports. XXXX, XXXX and TransUnion all returned saying the accts were accurate. So after hearing this I reached out to XXXX and requested the original loan docs for my 3 accts that they were reporting for me. As of today XX/XX/XXXX they have failed to provide any type of proper documentation to show proof that the acts were mine. No loan docs, no promissory note, or any type of paperwork showing my signature or date. I also tried to contact XXXX XXXX XXXX but they aren't a real company, and XXXXXXXX XXXX does not do student loans. I explained this to XXXX, XXXX and TransUnion but they would not remove the collections from my report. How are these companies able to reflect false information on my credit report while the " reporting agencies '' willingly accept the info without proper documentation? If proper documentation is not available to show proof that I own these accts then they should not be on 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 non-monetary relief
Consumer complaint received 2023-10-17
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Carrington mortgage bought my loan from XXXX XXXX XXXX in XX/XX/XXXX while I was in bankruptcy and on my first statement I owed roughly $ XXXX to bring my mortgage in good standing. In XX/XX/XXXX, I had my bankruptcy dismissed and my XX/XX/XXXX statement said I owed roughly $ XXXX to bring my mortgage in good standing. Now in a much better financial situation, I was prepared to pay the $ XXXX to bring my mortgage in good standing, but the pay options on their website and app were XXXX and I had to call Carrington to make a payment. On XX/XX/XXXX I called Carrington to find out why my option to pay electronically was disabled and they informed me that they had not received notice that my bankruptcy was dismissed and transferred me to the bankruptcy department. When I spoke to the Carrington mortgage bankruptcy rep I told him my bankruptcy got dismissed and I wanted to make payment to bring my balance current but felt uncomfortable paying a huge amount over the phone. So I specifically informed the bankruptcy rep how I wanted my payment allocated and they said ok. At that time my most recent statement said I owed roughly {$6400.00} to bring my account current and my monthly mortgage payment is {$980.00}. I paid {$1300.00} and told the rep I wanted to see how this payment is applied to the amount owed to bring my account current and every dollar over the mortgage payment should be applied to the balance of what is owed to make my account current. The following day, I logged onto the company website and noticed that after they accepted my payment they released a new mortgage statement for the month of XXXX. On this new statement it recognized that I made a payment of {$1300.00}, but the amount owed to make my account current ballooned all the way up to over {$12000.00}. This is unnacceptable and led me to dissect my payment history and I recognized multiple times throughout my bankruptcy where the money I paid was unnaccounted for and was applied incorrectly. I requested Carrington to have a forensic accountant to give me a detailed explanation where each one of my payments was allocated throughout my bankruptcy and where each payment was applied. Again, I have never had a statement say I ever owed more than $ XXXX to bring it current until the most recent statement which say I am behind over $ XXXX after I paid {$1300.00}. Please help me uncover Carrington banks illegal accounting that is mismanaging my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: EQUIFAX, INC.
State: GA
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:
Hello, there are 3 student loans reporting in my credit reports that I never opened. I never applied for student loans, I never even went to college. I have contacted XXXX, Equifax, and XXXX to request the removal of these accounts but, they came back verified by Dept of Education. I contacted the US Department of Education and requested documentation with my signature, proving that I applied for these accounts but, I never received a response. These 3 accounts reporting in my credit reports do not belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: Betterment LLC
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/XXXX - From the Betterment website, I initiated a transfer in the amount of XXXX ( transfer # 1 ) intending to make contributions to my Roth IRA for the XXXX tax year. 

XX/XX/XXXX - XXXX XXXX XXXX transferred XXXX out to Betterment. 

XX/XX/XXXX - From the Betterment website, I initiated a second transfer in the amount of XXXX ( transfer # 2 ) to max out my contributions. 

XXXX - Betterment claims both transfer # 1 and # 2 were rejected. One for insufficient funds with a return code R01, and the second for what they called " Uncollected Funds '' with code R09. 

As far as I can tell, XXXX XXXX transferred money to Betterment ; yet, Betterment never returned it back to me. I have been calling Betterment and XXXX XXXX XXXX for two months in order to get to the bottom of it. Betterment claims they do not have my money, but the last record of it is leaving XXXX XXXX and never returning to my XXXX XXXX XXXX  account. 

I can provide transaction numbers from both parties on request. 

I can't get either party to agree ; however, the transactions were initiated from Betterment and I believe they are in the wrong here having taken my money and not returned it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Uplift, Inc
State: GA
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:
Several accounts are inaccurately reported on my XXXX report. The XXXX XXXX XXXX was already removed from the other credit bureaus as well as the XXXX report. It was removed on XX/XX/2021 but reappeared on my credit report in XX/XX/2021, which has led to much emotional and financial stress when trying to use my credit for personal and business reasons. I completely paid and closed the XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX it inaccurately reports that I owe {$XXXX} now. Last week, it did not report that account or amount. I never owed a charge-off of {XXXX at Regions and they never told me that I owed anything or charged-off any amount. I have ten inquiries on this report and submitted my FTC report showing I did not inquire about XXXX, XXXX XXXX, US Dpt of Education, and XXXX XXXX, XXXX XXXX. I also contacted the XXXX  and Attorney General 's Office as well as contacted each company with legal documentation requesting the accounts be removed from my account for violating multiple FCRA violations. Documentation is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
For at least XXXX years now, I have been unable to obtain my Credit Reports online. Each time I try, I get an error message saying : " Unable to Complete Your Request Online Unfortunately, your request can not be fulfilled online at this time. 
Please request your report using XXXX of the other options below. '' In some cases I can reach the XXXX questions about my credit history to verify my identity, but even though I know I answered the questions correctly, I still get an error message similiar to the XXXX above. 

This is unacceptable as it forces me to waste my time applying for my reports either via phone or via USPS, while I should be able to have the convienance of using the wesite like every other consumer does. 

Please contact the relevant agencys so that I may correct this issue promptly. 

Thank you for your time and have a Happy Holiday Season!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: EQUIFAX, INC.
State: TN
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 CONTACT EQUIFAX  ABOUT THESE INQUIRIES I DID NOT AUTHORIZE ALSO I CALL EACH COMPANY I WAS TOLD CALL EQUIFAX TO HAVE THEM REMOVED OFF MY CREDIT, WHEN I CALL THEM ABOUT THIS PROBLEM THEY DID NOT HELP ME AT ALL WITH REMOVING THESE INQUIRIES OFF MY CREDIT FILE. I WILL LISTED EACH ONE THAT NEEDS TO BE REMOVE IMMEDIATELY BECAUSE THEY ARE NOT ANY ACCOUNTS OF MINES. WITH THESE UNKNOWN INQUIRY THATS NOT 

XXXX XXXX XXXX	
XXXX XXXX XXXX XXXX XXXX XXXX XXXX,
 XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OH XXXX  
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Yesterday I had about {$2.00}. Today because of the way Bank of America process their transactions I'm negative {$110.00}. All the transactions that put in the negative are things I already did, not anything new that just came out. I have enclosed a screenshot of the latest transactions

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 2023-02-19
Company: EQUIFAX, INC.
State: MN
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 U.S.C 1681 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, 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 : 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 reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: REGIONS FINANCIAL CORPORATION
State: GA
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:
Several accounts are inaccurately reported on my XXXX report. The XXXX XXXX XXXX was already removed from the other credit bureaus as well as the XXXX report. It was removed on XX/XX/2021 but reappeared on my credit report in XX/XX/2021, which has led to much emotional and financial stress when trying to use my credit for personal and business reasons. I completely paid and closed the XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX it inaccurately reports that I owe {XXXX now. Last week, it did not report that account or amount. I never owed a charge-off of XXXX at Regions and they never told me that I owed anything or charged-off any amount. I have ten inquiries on this report and submitted my FTC report showing I did not inquire about XXXX, XXXX XXXX, US Dpt of Education, and XXXX XXXX, XXXX XXXX. I also contacted the XXXX  and Attorney General 's Office as well as contacted each company with legal documentation requesting the accounts be removed from my account for violating multiple FCRA violations. Documentation is attached.

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 2023-08-22
Company: EQUIFAX, INC.
State: GA
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 am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
To Whom It May Concern, I hope this message finds you well. I am writing to address the recent permanent limitation placed on my PayPal account ( XXXX ). I believe that there has been a misunderstanding or error in this matter, and I am kindly requesting a re-evaluation of my case. 

Firstly, I wish to express my utmost respect for PayPal 's policies and guidelines. As a diligent user, I have made it a priority to adhere to these regulations since the inception of my account. I am confident that I have not engaged in any activities that would violate PayPal 's terms of service. 

Given this, I am left perplexed by the limitation that has been imposed on my account. It is my sincere belief that this action is a result of some oversight or technical glitch. I am certain that no actions from my end could have warranted such a response. 

I kindly implore PayPal 's team to take a closer look into the specifics of my account activity. A thorough review will reveal that there have been no breaches from my end. I value my relationship with PayPal and the convenience it brings to my online transactions. Losing access to my account has caused me significant inconvenience and distress. 

In light of the aforementioned points, I humbly request PayPal to initiate a re-investigation of my account. If any errors are found, I kindly request the removal of the account limitation. The ability to use PayPal is pivotal for my online transactions, and I am hopeful that this matter can be resolved promptly. 

I am grateful for your attention to this appeal and the swift resolution of this matter. Please do not hesitate to contact me at XXXX for any additional information that may be required. I eagerly await a positive response and the reinstatement of my PayPal account. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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  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 : It also states 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 explanation
Consumer complaint received 2023-08-22
Company: MST Financial Services, L.L.C.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was contacted on XX/XX/XXXX I received a phone call from Chapman Financial services. The caller did not identify that the debt they were attempting to collect was for medical debt. The caller was rude and badgering asking why I don't pay my debts. The caller then inquired about my wife 's alleged debt. I asked to communicate via email to have a clear record. I sent Chapman 3 emails ( XXXX, XXXX, and XX/XX/XXXX ) requesting they verify the debt and giving notice the debt was disputed. On XX/XX/XXXX I received a letter from Chapmans attorney that gave account numbers the name of the hospital and amounts as follows : {$810.00}, {$1200.00}, {$1400.00}, {$270.00}, {$210.00}, {$700.00}, {$1600.00}, {$1300.00}. The letter failed to meet the requirements of RCW 19.86 and RCW 19.16. while also inferring the collector would get a judgement against me. On XX/XX/XXXX I received a summons as the debt collector had filed a law suite . This collector never attempted to settle the debt and instead rushed to court. The attached letter was the only communication other than the harassing call I recieved from Chapman Financial Services, a dicvision of MST Financial Solutions

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 2018-09-29
Company: Dakota Financial, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX and dakota financial llc run my credit without my approval, i only authorized XXXX XXXX XXXX to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
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:
The following multiple entries of student loan IS NOT MINE..I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/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 2018-02-14
Company: Coinbase, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I submitted a transaction on coinbase.com of XX/XX/XXXX at XXXX. It is XX/XX/XXXX XXXX and the transaction is still " waiting for approval ''. The policy stated that the transaction will be completed in 48 hours but it has been over 100 hours and I am losing on my investments. This is UNACCEPTABLE and I am trying to retrieve my investments from them and close my account. Their customer service is non-existent. It is a scam and they are locking up people 's funds and trading with it.

Company response to consumer: Closed with explanation