BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Please know that I was not late on the mentioned accounts here.. I wonder why credit bureaus report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for meXXXX 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 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. DPT ED XXXX {$300.00} DPT ED XXXX XXXX {$53.00} XXXX {$370.00} XXXX {$180.00} XXXX {$1100.00} XXXX XXXX {$9000.00} XXXX XXXX {$8400.00}

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 2020-11-18
Company: Experian Information Solutions Inc.
State: MI
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: Was not notified of investigation status or results

Complaint:
I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to XXXX, XXXX  and Experian. The CFPB complaint numbers were XXXX ( XXXX ), XXXX ( XXXX ) and XXXX ( Experian ). While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of all 3 bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by XXXX, XXXX  or Experian   to resolve anything. There is also data that was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. All 3 bureaus must be held accountable and to the standards clearly outlined in the FCRA.

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 2017-08-07
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was contacted by a credit collection agency on Friday XX/XX/XXXX by the name of XXXX XXXX XXXX XXXX XXXX, XXXX for a false claim that I had an old credit card debt of {$1300.00} from Citi Bank that had been supposedly charged off in XX/XX/XXXX. Not only did I never open such an account, they are asking about an incorrect former employer. This debt does n't even show up on my credit report. They are threatening to sue me if I do not immediately set up a payment plan with them over the phone with my ATM debit card. They called me at XXXX XXXX this morning Monday XX/XX/XXXX before business hours. I called them back during business hours to speak with them again on this issue and it went to voicemail. I 've never received anything about a legitimate debt in writing either. I tried to look up this XXXX/collections agency and the only thing that comes up in a XXXX XXXX XXXX. I am afraid this harassment is going to continue and I need it to stop and I especially do not want them to escalate this and try to harass me at work, but most importantly I believe that this company is a scam trying to get me to release my banking info over the phone. I hope you are able to help in this matter!

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 2022-10-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX bureau resolution XX/XX/XXXX XXXX I was never late on a payment but the where not happy that I closed out my pre-paid card and they put a bad report till today it has been affecting my credit. i have been dealing with all the credited company 's but they what me to pay for membership and still have not fixed the issues

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: Ad Astra Recovery Services Inc
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX I signed up for a XXXX account. It showed " Ad Astra Recovery Servic '' twice under collections for a total of {$260.00}. I sent this company a written notice because I've never signed a contract with them or the original creditor. My credit should've been blank ( considering I've never used it ). Please remove this account from my credit report as soon as possible. It is not XX/XX/2019 and I've not received a response from the company regarding it. 

Thank you and XXXX Bless

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
on XX/XX/2019 i recieved an iquiry from AMEX. I didn't authorize this transaction.I disputed the inquiry for deletion but nothing was done about this inquiry.I attempted to reach out to the creditor to get proof of the authorization of the inquiry but to no avail. 

on XX/XX/2019 i recieved an iquiry from XXXX XXXX XXXX. I didn't authorize this transaction. I disputed the inquiry for deletion but nothing was done about this inquiry. I attempted to reach out to the creditor to get proof of the authorization of the inquiry but to no avail. 

on XX/XX/2019 i recieved an iquiry from XXXX XXXX XXXX I didn't authorize this transaction. I disputed the inquiry for deletion but nothing was done about this inquiry. I attempted to reach out to the creditor to get proof of the authorization of the inquiry but to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-20
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Back on XXXX XXXX 2019, several transfers were instructed from my Coinbase account, in the total amount of BTC XXXX ( EURO XXXX ) to a scam Binary Option /  XXXX / XXXX XXXX dealer XXXX. 
They did not invest my money, but only stole it. I submitted a recall dispute to Coinbase on approximately XXXX XXXX 2019. Coinbase replied with their final response on XXXX XXXX 2019. They confirmed that the merchant is a scam and noted that Coinbase added to their blacklist the relevant address so that no further Coinbase users can be scammed in the same way going forward and yet they declined my recall on grounds that it is impossible for them to reverse payments that made with cryptocurrency. I wanted to reply on their letter and try to explain that no services, investment or good were giving me in return to those payments. but Coinbase sends another email to me three days after, saying that the case has been closed. 
Im aware that I can refer my claim to XXXX ( XXXX XXXX  XXXX ) in case I am not satisfied with the resolution of my complaint 's outcome, As I know Coinbase is registered in the USA, I would like your assistance in resolving my issue. 
When I authorized the payments by my account, I did not know that the merchant is a scam, I discovered it later on. I asked Coinbase to take the responsibility and asked for a recall because no services or investments were supplied by the scam merchant. 
XXXX is an illegal scam operator. 
What is egregious is that I have found out that there were numerous warnings issued by scam broker investigators, and other regulators, warning against allowing the instruction of payments to this particular merchant : XXXX. How is it that Coin Base approved the transaction in the first place and didn't protect me, as their customer? 
I've attached a statement of the full course of events along with other relevant documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
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:
Transunion has ignored my request to provide the documentation used to verify the accounts on my credit report. Being that they have passed the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A )  of the FCRA - they are required to " promptly delete all information which can not be verified, that I disputed. '' Please resolve.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX Currently under dispute for the 5th time- Shows sold to XXXX XXXX in XXXX never was contacted- XXXX went bankrupt in XXXX. XXXX still shows as past due on Experian. 

All accounts in BK chapter XXXX show negative or past due instead of Discharged. in Experian. They actually showed both the last time I looked. 

The main one is XXXX- I believe it is fraudulent to sell a note to someone- XXXX and then sue to collect.

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 2019-06-10
Company: Kimball, Tirey & St. John LLP
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A collection was added to all three of my credit files through Kimball, Tirey and St. John for over {$7100.00}. This was supposedly for an eviction on a lease through " XXXX XXXX XXXX XXXXXXXX '' in XX/XX/2018. This lease was in XXXX County,  California. I live in XXXX, Ga. 

I have been a victim of identity theft in the past. I advised the collector at the law firm of this. She said that the social security number on the application was not my social security number. But then proceeded to suggest it was my responsibility to prove that I was not the person filling out this application. Since when did the responsibility for assuring proper identification on an application filled out fraudulently fall back on me? 

She said that a judgement had been filed against me in XXXX County California and that I must pay this debt. There is no record of a judgement for this item in that county. So that is a violation of the Fair Debt Collection Practices Act. ( In addition to the violation and willful negligence regarding the Fair Credit Reporting Act ). 

I am not flying to southern California ... or Oregon for the next instance..or XXXX for the third instance of fraud against me and filling out local police reports. The leasing company was required to obtain proper identification before completing their lease and did not. 

I want this item removed from my file and I want the CFPB to publish this event so that other victims of ID Theft are not badgered and threatened into bankrupting themselves trying to fix errors that lenders create for themselves NOTE! I have also already submitted a complaint against the three bureaus for the reporting of this item. I will also file a complaint against XXXX XXXX XXXX XXXX..the client of this law firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Hello, in XX/XX/2011 I applied for a HELOC loan through TD Bank. When I submitted my application TD Bank said I was declined for the HELOC because my debt to income ratios were too high. I said okay and that I understood. A day or two passed and the loan representative I was dealing with called me back and asked me if I paid all of my debts through a business checking account. I told him I did and then he asked if I paid my first mortgage loan, property taxes, and insurance through my business checking account. I told him I did and then he told me that TD will omit all of those debts and approve me for the HELOC. I am currently 5 months behind on that payment and being warned that they are going to foreclose on my home. I wish I never opened that HELOC and was wondering if I have a case against TD Bank for omitting all of my debts including my 1st mortgage so they can qualify me. 
Please advise. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The story is set forth in the 3 attachments below in which personal information has been blacked out. The first attachment is composed of 1 ) a screenshot showing acknowledgement of my XX/XX/XXXX inquiry concerning the non-payment of our real estate taxes from the escrow account ; 2 & 3 ) Two nothing form emails acknowledging the inquiry dated XX/XX/XXXX and XX/XX/XXXX ; 4 ) A letter dated XX/XX/XXXX stating that they were still pursuing an 'investigation ' of the issue. In my humble opinion, their 'investigation ' could be concluded with a 5 minute call to the County Treasurer ; and, 5 ) an email attachment dated XX/XX/XXXX claiming they had paid the original amount of the tax. Apparently it never occurred to anyone a Ditech that taxes paid nearly 4 1/2 months late would incur penalty and/or interest. The second attachment consists of my letter to Ditech dated XX/XX/XXXX. It addresses not only the unpaid real estate tax issue, but also the failure of Ditech to pay from escrow the premium on flood insurance that they forced us to purchase. There are several exhibits to this letter and I will be glad to provide them if needed. The third attachment consists of my letter to Ditech dated today, XX/XX/XXXX. It addresses the real estate tax and flood control insurance issues as well as my inquiry about a questionable payment from the escrow account. This letter also explains why Ditech 's supposed payment of the tax was ineffectual. Again, exhibits are available if needed.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: Experian Information Solutions Inc.
State: NC
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:
Please know that I was not late on the mentioned accounts here.. I wonder why credit bureaus report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me 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 2019-06-10
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please be advised this is my SECOND WRITTEN REQUEST asking to remove the account listed below that remain on my credit report in violation of 15 U.S.C. ss 1681. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. This company has ignored my request to provide me with the documents that they have in their files that they used to validate the disputed account which means that they have NOT validated or can not validate this account and under section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly DELETE information which can not validate or verify. '' The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint as well as copies of the previously written letter sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Better Business Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA. I do not have a signed contract nor any contract with CREDIT MANAGEMENT. I have never done business with this company. I am not liable for collection from this debt from CREDIT MANAGEMENT. I am not responsible for this debt with CREDIT MANAGEMENT. Also per the State of Florida Office of Financial Regulatory you must be licensed and bonded in the state of Florida to collect.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-18
Company: CREDIT ACCEPTANCE 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:
I am formally making a written complaint against Credit Acceptance Corp. I recently reviewed my credit report and noted where the balance is incorrect. This account is currently in collections and has not recieved a payment from me personally since XX/XX/XXXX. I have not spoken with anyone or agreed to settle or make any type of payment or arrangement. Under law only a certain amount of intrest can be added to a collections account. Credit Acceptance has been adding interest to this account since XX/XX/XXXX. Again I have not physically spoke with anyone or agreed to any payment arrangement. Per my credit report {$88.00} was recently added to the balance on XX/XX/XXXX. Projecting as if I made a payment bringing the account current. The account has not been current since XXXX. This account is 7 years and the last payment was made again in XXXX. This is fraud and forgery.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Called TD bank on XX/XX/2019 @ XXXX spent on hold for approx. 20 min to talk to a rep named XXXX from call center XXXX Maine who I advised that I can provide my SSN number to access the account. XXXX advised that certain security questions would need to be answered in order to assist over the phone, all questions asked were accurate and complete however XXXX still flagged the account as unverified and refused to assist advising that I would need to go to the bank for assistance. XXXX refused to assist any further at which point I asked to speak to manager who also advised on me having to go to the branch for assistance. The supervisor who took the call would not give complete name and simply said her name was XXXX from call center in XXXX XXXX. NJ. TD bank is self advertised as being a very convenient bank however it has been very inconvenient to me as the customer with very limited time and patience to visit a local branch.

Company response to consumer: Closed with monetary relief