BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-23
Company: Merchants' Credit Guide Company
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ).

The statute of limitation in Texas is 4 years. This is over the statute of limitation for this debt to be collected on.

Texas Surety bond information as required by Sec. 392.101, this creditor is does not hold a surety bond in the state of Texas as required ( see attached ). Per the code, this a violation punishable by {$10000.00} per occurrence. A complaint has been filed with the Texas Attorney Generals office. I request my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23
Company: EQUIFAX, INC.
State: MO
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:
Hello, I submitted a written request by mail for Equifax credit Bureau on XX/XX/18 to send me copies of the documents that the company has used to verify the accuracy of the account as a public record. I have been dealing with XXXX, Equifax, and XXXX over a year, and they have not looked into my credit report. I have sent muiltiple verification and follow up letters, and it comes back verified that the three credit Bureaus have not sent in any verifying documents to show where the information is involving the Bankruptcy. I received a letter back from XXXX on XX/XX/18 stating that they previously processed the dispute, and verified its accuracy without sending me any verifying documents back. On my first follow up letter I sent off to Equifax, I stated " Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature '' " Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report '' As I've stated above, the Equifax credit Bureau did not provide me with any verifying documentations with my signature on it. 
My credit is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error on all the reporting Credit Bureaus Equifax. Thanks so much for looking into this important matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 160 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

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 2021-07-06
Company: EQUIFAX, 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:
XXXX XXXX NEEDS TO BE DELETED FROM MY CREDIT REPORT. I HAVE ATTACHED A LETTER FROM XXXX XXXX STATING THIS ACCOUNT WOULD BE REMOVED FROM MY CREDIT REPORTING. XXXX AND XXXX HAS SUCCESSFULLY REMOVED THE ACCOUNT. EQUIFAX HAS YET TO DO THEIR DUE DILIGENCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Springer Collections Inc.
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In XX/XX/XXXX XXXX with Springer Collections of XXXX XXXX, MN left a message on my home number looking for a XXXX XXXX regarding an old medical debt ( from XXXX ) for a low-income medical clinic in XXXX XXXX. My mother 's name is XXXX XXXX, and I did some investigating with the clinic as to the nature of the debt. As suspected, the clinic was looking for a different XXXX XXXX. The birthdates were way off, the social security number was wrong, and we determined that my mother had never been to that clinic. She lives some 40 miles away and is in memory care, not capable of getting to the clinoic. I spoke at length with XXXX after my investigation and she informed me that XXXX would no longer be contacting me. Further, the clinic was supposed to notify Springer that they were pursuing the wrong XXXX XXXX. 

Yesterday, on XXXX XXXX at XXXX XXXX, I received another message on my home answering machine from XXXX with XXXX Collections. She repeated her first message from XXXX, asking for XXXX XXXX regarding a medical debt. She did not give any indication in her message that she remembered she was calling the wrong party again.

Company response to consumer: Untimely response
Consumer complaint received 2022-10-04
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I was approved for a charge card with American Express in XX/XX/2020. The card has no preset spending limit, however for the last several months I have had ongoing issues using my card and understanding my credit limit. I have used my card numerous time and it has been declined, which quite embarrassing when using it in a public place. In addition, I receive ongoing emails about how future purchase may be declined, when I have a low balance. I need to feel comfortable using this credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Palisades Funding Corporation
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
The Bank ( Palisades Funding Corp ) reposes my car without prior notification and this Bank owns a Car dealership ( XXXX XXXX XXXX ) so they sold the vehicle on their lot and didn't inform me of any balance outstanding or owing to me. I have been trying since they reposes this car 4 months ago to get the License Plate so that I can return it to the DMV and no one can tell me where to collect it I am still paying Insurance on this car that I don't have because I can't return the plate.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
My creditor, XXXX XXXX, refuses to correct my credit file. My creditor XXXX XXXX has mishandled my account file as it pertains to my credit. My self and spouse applied for a mortgage with XXXX in XX/XX/XXXX. XXXX ran my credit report the same month, approximately XX/XX/XXXX and advised me of a late reported XX/XX/XXXX. XXXX hired XXXX XXXX to validate this, as I advised I had not had a late payment. On XX/XX/XXXX XXXX XXXX representative, XXXX XXXX contacted me and we had a conference call with XXXX XXXX   Rep., XXXX. XXXX was asked by XXXX if my payments were current, If I had any late payments in the last 12 months, the balance amount on my account, last payment and next payment due date. XXXX advised XXXX that I had not had any late payments in the last payments in the last 12 months and my last payment was XX/XX/XXXX and next payment was due XX/XX/XXXX. I had been paying every 2 weeks even through my due date was XX/XX/XXXX of the month. I have been in contact with the credit bureaus to file a dispute. I provided them with the XXXX XXXX documentation of the call that verified no late payments. I provided the same information to XXXX XXXX. They denied the call was made to them, denied the employee XXXX verified the information as well. : What company is this complaint about? XXXX XXXX. : Who are the people involved? 
XXXX XXXX from XXXX XXXX   XXXX XXXX XXXX / XXXX XXXX from 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 2018-09-23
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ).

The statute of limitation in Texas is 4 years. The original debt is over the statute of limitation for this debt to be collected on.

Texas Surety bond information as required by Sec. 392.101, this creditor is does not hold a surety bond in the state of Texas as required ( see attached ). Per the code, this a violation punishable by {$10000.00} per occurrence. A complaint has been filed with the Texas Attorney Generals office. I request my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: Coinbase, Inc.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was charged two amounts from XXXX, XXXX and XXXX respectively. I did not complete these purchases, nor did I receive the bitcoin that it was made for. The bitcoin was immediately transferred out with the notes attached to it. The first purchase was XX/XX/2018 for {$500.00} worth of bitcoin, it was sent minus later to an address with the note attached reading " hey dirk ''. The second as XX/XX/2018 fo {$400.00}, and again was sent almost immediately out of coinable to someplace unknown with the not attached " XXXX ''. All previous transactions I have made do not include any note. Also at the time the purchases were made I had positive control of my phone, and my laptop. My laptop account can only be accessed with 2-factor authentication via my phone, and my phone was on me at the time of the purchases. Accessing my phone account requires my fingerprint and then a pin to do any purchases. I have contacted XXXX and received no response. 

I was then later charged the same amounts again, on XX/XX/2018, both {$500.00} and {$400.00}, which triggered my low balance alert on my account and brought the entire fraudulent charges issue to my attention. These two have since been refunded, but the original purchases hav still not been.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX is incorrectly reporting to all 3 major credit bureaus incorrect balances and payment history. They can not legally report Higher credit limits over the amount of the amount of the loans that I have taken out. 

These items have been disputed twice in the past year with each bureau and neither time have they failed to comply with rules and regulations to correct their errors. 

The amount of my loans do not total they amounts they are reporting and I have never received any documentation from them reflecting that they have verified the amounts I owe verses the total of my loans. 
If they can not verify the appropriate information and that all the debts they are reporting are correct then they are required by laws to remove those items from my bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: EQUIFAX, 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:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account I am not responsible for any charges made to this account. I do not recognize this account and have never incurred debt with this creditor. I do not know where they came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: TransferWise Ltd
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wise without any reasons have closed my account. They did not want to give a specific reason why they did it to me. I am starting my small business and clients are starting to learn my financial institution with them. Unfortunately, they closed it without any reasons or advice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: Merchants Credit Corporation
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 wrote Merchants Credit on XX/XX/2021 asking them to Validate some items on my credit report pursuant to 15 USC 1692g Sec.809 ( b ) of the FDCPA. They were unable to validate the debt, and only tried to send verification of debt on XX/XX/2021. 

I phoned them today to follow up on this letter i recieved and they told me that they don't have to " validate the debt '' and refused to remove these items from my credit report. 

I have both letters. I would like to have these items removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Hi i have a CD with bank of america worth XXXX $ that is tied to a business credit card as collateral that is set to expire this month and they said they are gon na renew the CD and not release it from what i read in a letter in the mail ... 

So i want to release the CD and get my money back, i tried calling there phone support and they transfer me to there business team which just automatically hangs up on me or is never open and I tried in branch but they seem to be clueless no one at bank of america seems to want to help with this can you guys please help? 

Thanks!

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 monetary relief
Consumer complaint received 2020-09-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm distressed. Sent investigation on XX/XX/XXXX - XX/XX/XXXX to the Credit Bureaus. 
There's been little to no sign of investigation on any of the accounts questioned and no information has been sent from the bureaus or collection agencies. My credit report hasn't been updated to show accounts have been processed and disputed. 
Accounts false and unknown. The companies have not reached out as well. 

Moreover, the bureaus have been deleting accounts that weren't questioned and reporting open and positive. Why would the Credit Bureaus delete open accounts. There was a XXXX removed from XXXX   and Equifax and added back without my knowledge and it's my understanding I should've been notified ( Account Number : XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Hey there, Reference # for this case : XXXX. I tried to reach out to US customer service but was transferring to oversea call center, and no one could really help. 

I received a target offer in my business mail to apply AMEX platinum business card and applied at XX/XX/XXXX. It was not instant approved and I called the next day for review. During the review process, I explained my company is a single member LLC ( liability limited company ), and I chose company structure to be " sole proprietor '' so the tax ID is the same as my personal SSN. However, the rep ( XXXX call center ) told me LLC should be a " corporation '' instead of " sole proprietor '' so he changed that and approved the card. 

Not long after I received the card and found I can't activate the card due to " corporation '' required a separated tax ID, and the only solution I was offered is to cancel and re-apply. However, there will not be target offer to reapply the same card. I was on the phone for this issues multiple times and could not even get a US personnel on this. In short, my credit card application was XXXX  by AMEX representative. Benefit lost and time wasted and no one taking responsibility. I am with AMEX since XX/XX/XXXXand I demand an answer to this matter. 

Thanks, XXXX

Company response to consumer: Closed with explanation