BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-20
Company: MS SERVICES LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX - Received collection letter from MS Services LLC in regards to XXXX XXXX XXXX XXXX - CHECKING OR, Amount Due {$5000.00}, Account # XXXX. 

XXXX - Sent Response notifying XXXX XXXX to CEASE & DESIST collection attempts, Validate debt and not to report to the credit bureau reports since debt is not valid. XXXX XXXX has been reporting to bureau 's since XXXX??? 
XXXX Confirmation # XXXX XXXX XXXX XXXX XXXX XXXX XXXX - NO RESPONSE FROM XXXX XXXX XXXX - Sent SECOND letter notifying XXXX XXXX to Validate debt and not to report to the credit bureau reports since debt is not valid. XXXX XXXX has NOT removed reporting to credit bureau. 
XXXX Confirmation # XXXX XXXX XXXX XXXX XXXX XXXX XXXX - NO RESPONSE FROM XXXX XXXX XXXX - Sent THIRD letter notifying XXXX XXXX to Validate debt and not to report to the credit bureau reports since debt is not valid with notice of intent to file a complaint with the FTC. XXXX XXXX has NOT removed reporting to credit bureau. 
XXXX Confirmation # XXXX XXXX XXXX XXXX XXXX XXXX XXXX - NO RESPONSE FROM XXXX XXXX XXXX - Sent FOURTH letter notifying XXXX XXXX that a complaint has been filed with the FTC and not to report to the credit bureau reports since debt is not valid. XXXX XXXX has NOT removed reporting to credit bureau. 
XXXX Confirmation # XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: STERLING BANCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
XXXX, XXXX, XXXX Dear XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. makes this complaint on the issue of forged checks that were approved for the payments by Sterling National Bank XXXX Bank XXXX on XX/XX/XXXX. 
It should be noted that our Law Office keeps accounts and issues checks from our accounts in Sterling National Bank for 15 years already! Copies of authorized signatures and samples of our checks are on records in the Bank. Bank is fully informed that our checks are always hand written and only two people are authorized to sign checks. Sample of the signatures as was stated are in the banks system. 
However four checks that look absolutely different on its face from those checks that XXXX XXXX XXXX makes payable to its clients were withdrawn from the account # XXXX with the approval of Sterling National Bank on XX/XX/XXXX without any attempts to verify said checks with our office. Specifically, check # XXXX in the amount of {$4600.00} ; check XXXX in the amount of {$4800.00} ; check # XXXX in the amount of XXXX ; check # XXXX in the amount of {$4800.00} were approved by the Bank for payment on XX/XX/XXXX. Total amount of {$19000.00} have been withdrawn from our bank account # XXXX. ( Checks are attached hereto ). It takes one glimpse to realize that these checks are crude forgery as they look completely different from those that our Law Office gives to the clients. 
On XX/XX/XXXX upon receipt of the Bank statements we reported the fraudulent transactions right away to XXXX XXXX, regional manager. On XX/XX/XXXX an Affidavit of Unauthorized Transactions along with the Questionnaire were filled in and submitted to XXXX XXXX, Bank Manager of the branch located at XXXX XXXX XXXX, XXXX, NY XXXX. ( Copy of the XXXX and XXXX is attached hereto XXXX. 
Since XX/XX/XXXX this Office did not hear from the Bank. I spoke with XXXX XXXX, regional branch manager ; XXXX XXXX, local branch XXXX on multiple occasions all to no avail. XXXX XXXX tried to get in touch with the Bank fraud department but nobody could provide him with any viable information or response. Up today Bank did not present to us investigation report following our complaint. Needless to say our office was not credited with {$19000.00}. 
It goes without saying that it was Banks overlook to allow cashing of the checks that are fraudulent on its face. For 15 years that we are doing business with the Bank, it should have known how our checks look like, who and how signs the checks. It is so obvious that if the Bank was diligent and prudent it should have prevented fraudulent checks from cashing. It is my deep belief that XXXX XXXX neglected XXXX XXXX XXXX XXXX XXXX XXXX as a Client by not reimbursing us with the money that was fraudulently withdrawn from our account. 

Sincerely yours, XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 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 XXXXXXXX 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 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 2023-08-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 corrected for erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX  XXXX  XXXX Balance : {$3300.00} ; XXXX XXXX XXXX Balance : {$0.00}.

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 2021-03-15
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XXXX XXXX XXXX Experian and XXXX  responded to my complaint that I filed with the CFPB regarding Chapter XXXX bankruptcy that is on my consumer report each of the credit bureaus claimed that they verified this information with the Federal Courts, they never provided me with a name, address or person. It just states it was verified by courts. On XX/XX/XXXX I wrote to US Bankruptcy Court asking did they verify my information with credit buraus and they sent back the attached correspondence stating they do not verify records with credit reporting agencies. I also checked Experian and XXXX  websites an it states they both verify bankruptcies with the courts.

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 2018-04-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sent in a payment of {$31000.00} to Select Portfolio Servicing, XXXX XXXX XXXX, UT. My monthly payment is {$1100.00}. I instructed them, on their payment form, in the box that says " Apply to Principle '', to apply the additional {$30000.00} to the principle. They did not do so, as I instructed them to do on their form. I was told by them that, the money was distributed according to what their computer decided to do with it, even though I had specifically directed its distribution on their form. The payment of {$1100.00} was taken out of the funds. As far as the remaining {$30000.00} goes, the next months payment was made of {$1100.00} { for XX/XX/XXXX }, {$10000.00} was put in an unapplied balance account and the remainder of {$18000.00} was taken off the balance after the second payment { XX/XX/XXXX's } was made. They charged me interest on the {$30000.00} as if it had been paid 2 months later. They said it will take some time to straighten this out. I could call next week.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2023 I mailed a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel I am being taken advantage of and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress they've caused me. My information was also impacted by the Equifax breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-20
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing 2 accounts with the credit bureaus for sometime now. Each time they would say that National Credit Systems would verify the debt. So I took it upon myself to ask National Credit Systems for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I noticed a fraudulent bank account under my name and it shows deposits made from coinbase inc on XXXX which I was not made aware of till XXXX. At that time I did not have a coinbase account. I did open one on XXXX but I do not have full access to it as of yet because of another account possibly open under my name which is fraud. There is no way to file my complaint or gain access to any info with coinbase inc. I am here now to get answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/XXXX, there was a XXXX credit card opened under my name that I did not open. Some time after the card was opened, the card accumulated debt and eventually my Experian credit score dropped, which is how I found out about the fraudulent card. 

I traveled from XXXX XXXX to XXXX XXXX and during that time I did not follow up or investigate with XXXX ( the card company ). 

In XXXX, I started reporting the issues to Experian. Around XX/XX/XXXX, I contacted XXXX fraud and they said they would open an investigation. Since then, I have not heard from XXXX and my XXXX XXXX is still low and the Experian site still lists the card as having debt under my name.

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 2021-06-16
Company: Machol & Johannes, LLC
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My name was forged when they tried to serve me. I tried to contact it was a XXXX XXXX Clerk, who knew nothing of this. The serving person Committe fraud I told them, they could care less. They just move forward tying to intimidate me. They took my taxes for XXXX and break the law at every chance to get money. I tried to settle after this and would not move forward. Im having all my rights trampled on by this debt collection law firm Machol & Johannes XXXX CO. There abusing all my rights and are committing criminal acts with no care in the world.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2018, I performed a mobile deposit of my paycheck which has occurred regularly from the same company and the same checks for the past 18 months. However, the morning of XX/XX/2018 I noticed that the mobile deposit was placed on hold. Being a former XXXX and having knowledge of Reg CC, I decided to call the bank and inquire as to why my deposit was being placed on hold. 

After providing my account information and validating my identity, I asked the service representative for the reason that a hold was placed on the deposit. After a brief hold, I was told that a hold was placed because they have yet to validate the availability of funds. I informed the representative that being a former XXXX XXXX  myself I understood the ability to place a hold on a check, however, I was seeking the extenuating circumstance that lead to a reasonable doubt of collectibility of this check and cited that checks for amounts both larger and smaller than the same had been deposited into the account from the same external account which also bared the exact same signatures. So I then requested that they review the information again and provide me with a reason under Reg CC for which they determined that a hold was permissible or reasonable. 

I continued to receive the response that they were unable to immediately validate funds on a check despite additional questions such as if there was an issue with the appearance of the check or other item to which they deemed this transaction as being different from any previous transactions. 

Having reiterated the issue that they can not just go around placing holds on checks without cause and any determination to place funds on hold and asking specifically for a reason in accordance with Reg CC they refused to give a reason for placing the deposit hold. 

I then asked for and received a manager and posed the same questions and was told that they could even place a 10 day hold on a {$400.00} check if they felt like it because they can not immediately validate funds on a paper item. 

After additional futile attempts to receive the reason for the deposit hold I was ushered off of the phone. 

Based on my understanding of Reg CC, not only can the banking customer request the reason for a hold, the determining factors for placing a hold on an item must be disclosed. As I obviously never received one, here is my complaint. 

Personal Information Below -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Deposit Amount : {$4500.00} Funds Available : {$200.00} Funds Held : {$4300.00} Bank of America Phone Representative : XXXX ( South Carolina Call Center ) Bank of America Manager : XXXX ( South Carolina Call Center )

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 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly update or correct these negative accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-27
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The collection agency mailed a collection notice on XX/XX/2018 to an address that I no longer reside. I did not receive the letter until approximately 2 months after it was mailed because I have not resided at that address for more than 3 years. The debt is not mine and I do not owe any funds to the collection agency. I mailed the CA a debt VALIDATION ( not verification ) request letter via certified mail on XX/XX/2018. On XX/XX/2018, I received a letter from the CA in response to my request for debt validation. The company sent a copy of a bill that included my name, previous address, and dates during which I was NOT living at that address or in that state. Not only does this information fail to satisfy the criteria for proof of debt validation, but I believe this information was obtained under false pretenses. Much of my personal information was leaked in the recent XXXX, XXXX, and XXXX breaches. Anyone could have stolen my personal information from the internet and used it fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to express my deep concern and frustration regarding the unresolved issues related to my credit report. Despite several attempts to correct a late open account and remove late closed and charged-off accounts, these discrepancies remain on my credit report, causing significant financial harm and distress. 

I would like to provide a brief overview of my efforts to address this matter : I first became aware of the late open account, late closed accounts, and charged-off accounts on my credit report. Immediately, I took steps to contact the respective creditors, and I submitted disputes to the credit reporting agencies to rectify these inaccuracies. 

Subsequently, I have made several attempts to dispute these inaccuracies with the credit reporting agencies, providing all the necessary documentation to support my claims, and I have been in continuous communication with the creditors involved. 

Despite my commitment to resolving this matter, these inaccuracies remain on my credit report and have not been adequately addressed by the credit reporting agencies or the creditors. 

These unresolved credit report issues have caused me significant stress and financial hardship. As a responsible and diligent consumer, I expect that the credit reporting system operates with accuracy and fairness, reflecting my true financial standing. 

I kindly request that you take immediate action to thoroughly investigate and correct the late open account and remove the inaccurate late closed and charged-off accounts from my credit report. I also request a written response outlining the steps your organization will take to rectify this matter and prevent future inaccuracies. 

I am aware of my rights under the Fair Credit Reporting Act and other applicable laws, and I will not hesitate to take legal action to protect my rights and interests if this issue remains unresolved. I am asking for your assistance to remove or to correct the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25
Company: Bread Financial Holdings, 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 information incorrect

Complaint:
I opened up an account with Alphaeon credit and did not have issues until recently and noticed notifications on my payments being past due. 
My first months I made by manually paying and then called to set up auto payments. It wasnt until I set up auto payments that I began to see late payment notifications. 
I called the company a month ago ( XXXX ) to fix this and was told not to worry as I was now set up for automatic payments. Today ( XX/XX/XXXX ) I received a past due email notification and was told over the phone I am not set up for automatic payments. 
This miscommunication has been ongoing for months and now has tanked my credit score.

Company response to consumer: Closed with explanation