BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-30
Company: Capital Management Services, LP
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had my identity stolen when Massachusetts unemployment had that huge huge break in a few years ago and I lost thousands from my checking account as well. 

XXXX is a card that I inherited in my divorce and they sent it to collections just when I could pay it end its charger off right now on my reports and I would love to just pay city directly the full amount that I owe them of XXXX, then pay XXXX to a debt collector I have attempted to get in touch with someone there to discuss this and have been completely unsuccessful. I just get put on endless holds. 

I have the full amount in hand in my bank and I am moving out of my million dollar family home and downsizing next month to a condo so Credit is excruciatingly important if I could pay XXXX the full amount can they take it off the report, the months and months they switched to charge-off are killing me, and they just dont seem to want to talk to me.

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 2017-05-18
Company: U.S. BANCORP
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have been doing business with this particular credit card for the last 10 years under our company name.
We have made excellent payments to this company- from full payments to the credit card to consistent payments for the last 10 years - our interest rate was 12.9 % Since 2016 we have struggled with our business and we have seen our credit suffer - although we have maintained making payments to the credit - The credit card company started raising interest rates without noticed - from 12.9 % to 15.99 % interest and finally to 21.9 interest - practically double the amount of interest - I did not catch the interest hikes.
Their explanation was since our credit has deteriorated thus the interest - hikes causing us to pay that much more in interest payments.

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 2022-12-29
Company: EQUIFAX, INC.
State: VA
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 have contacted XXXX, XXXX XXXX Transunion about the many inquires on my account i do not recognize i informed them of how i have contacted each company and they could not provide me with any information. i did not authorize any pulling of my credit with these companys XXXX Credit Report XXXX XXXX XXXX, ( total of XXXX ), XXXX XXXX, XXXX XXXX XXXX XXXX, multiple XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX real XXXX XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 TransUnion 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 2023-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Credit reporting agency was informed of a charged off account being inaccurately reported ( XX/XX/2022 ) .Account was removed based upon the completion of their investigation. However, the error has recently been placed back within my credit file. Affecting my general mode of living and preventing me from financial gain. Please help.

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 2022-01-03
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I am a victim of identity theft Crypto Hacker so I want to report this to FTC. After I contact to related department, they advise me to file a FTC complaint to help resolved this matter. On XX/XX/2021, I signed up with Coinbase Company to invest in crypto. Very shortly after that on XX/XX/2021 at XXXX am, someone hacked into my Coinbase account and took {$6000.00} cash credit in my Coinbase account. At XXXX am XXXX XX/XX/2021, they used that cash to purchase Bitcoin and transfer the coin to their account, in short, they stole {$6000.00} cash credit from my Coinbase account. At the same time and date, they also hacked and stole XXXX XXXX XXXX anXXXX XXXX  XXXX XXXX from Coinbase. On XX/XX/2021, at XXXX Pm, I contacted Coinbase via Coinbase website and informed them about the hacked. XXXX XXXX, they emailed back saying they closed the case. Please help, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: GA
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 have XXXX negative items that are negatively reporting on my consumer credit report that and is in violation of the FCRA codes 15USC 1692e & 15USC 1692g. These are the dates I sent certified letters of cease and desist/ estoppel notices without proper verifying documents with my signatures with said company that is falsely reporting on my consumer report : XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023. I sent letters to each bureau Equifax, XXXX, and XXXX. They only report " verified by furnisher '' but never provide proof of me legally doing business with collection company or provide me with a binding contract with my signatures. I have never done business with any of he companies reported as " Collections '' nor do I have any contractual agreement with them. Per each tracking number, I do have them as delivered and received. I also tried to delete an address off of my experian account and they refused. Equifax, XXXX, and XXXX are all in violations of compliance procedures, defamation of character, willfully non-compliant, and punitive damages towards and this has caused major personal suffering. 

Once again, I asked Equifax, XXXX, and XXXX to SEND me a copy of the signed contract between me and the furnisher ( s ) to prove the debt belongs to Me and they sent a response that the creditors verified the information as accurate! I need SOLID proof or it needs to be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29
Company: Experian Information Solutions Inc.
State: VA
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 EXPERIAN XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX EXPERIAN 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 explanation
Consumer complaint received 2021-05-06
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: Information belongs to someone else

Complaint:
I have contacted all three Credit Bureaus/Agencies ( Experian, XXXX XXXX XXXX  and the Creditors ( XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA XXXXection 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: CITIBANK, N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I mobile deposited my check from working at the Indiana XXXX into my account. 
Shortly after this my account was flagged for closure. 
I called and asked why and they said for an invalid check. 
I asked for details and they refused to tell me anything other than I would need the issuer ( state auditors office ) to call. 
I provided this number and an agent told me it was invalid and not a Indiana number?? 
I called back again to try to get more details on the situation and what I can do or if the money ended up being deposited. 
Was told I could be provided no further information and I had to wait 60 DAYS to get access to money IF it did go through, the agent couldnt even tell me if it did or not. 
All of this happened XXXX XXXX. 
The company is CITIBANK mobile banking.

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 2022-12-29
Company: ALLY FINANCIAL INC.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
To whom it my concern : I extended my credit to ALLY BANK for a consumer credit transaction on XX/XX/XXXX. I the consumer and natural person, was denied credit by ALLY BANK when I applied for a XXXX XXXX XXXX. Tried reaching out to ALLY BANK regarding the denial even when stating the laws and the violations they stated that they couldnt discuss the discussion and that I would need to talk to the dealership. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. I as the consumer feel as if I'm being violated under the law of 15 USC 1691 ( d ) ( 6 ) For purposes of this subsection, the term " adverse action '' means a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested. 
As I have proof that i was discriminated against by ALLY BANK due to the response I received. ( see attachments ) ALLY BANK is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I the consumer made an application in good faith but credit was not issued Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of ALLY BANK

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 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-10-09
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I received a letter stating my loan was being transferred XX/XX/2023. I pay my mortgage online but this time the process center I was directed to said my payment could not be received. I called the toll free number but it verified me saying I was not eligible to pay through the automated system. Now it's XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: MOHELA
State: CA
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 submitted my documents ( application and Hours ) for XXXX XXXX XXXX XXXX in XXXX within the time that was allowed for the waiver to include aditional advantages due to covid. 

My information was received by XXXX XXXX and I received a letter on XX/XX/XXXX stating They needed to to confirm information on my application. I called them back and they stated they need to clarify the XXXX numbers of my employers. I gave them the XXXX numbers again and I was told that I would receive notification within the next 2 weeks. I never received any communication from them after that. 

I followed up a few months later and was told by XXXX XXXX that they were in the process of transferring to Mohela and that they could not locate my account. I was told to wait 90 days since I submitted a new application and that my account had been transferred to Mohela. They gave me the number to mohela to follow up with them. I contacted mohela several months after to confirm my application. The stated that they could not locate my account and to call back in about a month as it was likely in the process of being transferred. 

Now it is XX/XX/XXXX, almost a year later. I have spoken with Mohela and my account information submitted to XXXX XXXX is no nowhere on file. They tried several ways to locate it but still have no record of my application I am now being directed to fill out another application and am being told that the deadline for the limited waiver has passed. Somehow my application was lost in the transfer process and Mohela is telling me that there is nothing they can do, regardless of the documents I have from XXXX XXXX stating that they received my information. 
I was told that I was being transferred to a manager to discuss further and after an hour and a half on hold, a customer advocate answered. She told me the same information and directed me to reapply. she also told me that since the deadline was past, I would likely not be granted the waiver.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: ENOVA INTERNATIONAL, INC.
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calling from XXXX repeated times. Just this week so far, phone captured XXXX at XXXX and XXXX at XXXX. They have also threatened to take me to court.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2017-09-15
Company: Merchants' Credit Guide Company
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Recently, a company named Merchants Credit Guide started reporting a collection account on my credit report. I have no idea who or what this is. The Fair Debt Collection Practices Act states that a collection agency is required to provide a 30-day notice to dispute, prior to an account such as this be reported on my credit report. I received no such notice, and was not provided with the opportunity to dispute this debt, prior to this company reporting it on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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 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 2022-12-29
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
The following accounts below are reflected on my credit report as revolving credit cards that do not belong to me. I have tried reaching out to the creditors and to the credit bureaus to dispute and remove these fraudulent accounts but have not been successful in getting this resolved. This is impacting the ability to buy a home and I need this removed as soon as possible. Below are the accounts that do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Below are collection accounts that do not belong to me : - XXXX XXXX XXXX  {$2000.00} -XXXX XXXX {$5000.00} XXXX XXXX XXXX {$420.00} -XXXX  {$0.00} -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 2021-09-17
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MO
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:
ECSI is reporting on loans that were on forbearance inaccurately. Customer service say that I wasn't required to make payments while on covid forbearance yet report it as late for a period of 10 months. When contacted the chat agent directed me to call the school instead??? School directed me to call servicer as they don't deal with reporting?! Essentially both the school and the servicer don't know what is going on, so I guess it's up to the borrower to figure it out somehow? Also, I am signed up for paper mail but was not notified by mail that my eligibility was ending and they needed paperwork by some XXXX date. Apparently, it was only sent by email which is not my primary form of communication. I believe this is intentional and by design. One would expect any time sensitive material to be communicated by the means the borrower is signed up for. Customer service claimed they only send out notices when bills are due and some specific types of communication and could not really explain why I was not contacted by mail.

Company response to consumer: Closed with explanation