BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-09
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
As of XX/XX/2018 I noticed a added debt on my XXXX  credit report from Debt Recovery Solutions. This debt is in the amount of {$53.00}. The original creditor sold this debt to another company previous to Debt Recovery Solutions. This debt was paid and closed due to insurance has paid the original creditor. Also, when I disputed this same debt, a letter was sent that it would be removed and closed. Now this again. Please note, I have never been contacted in anyway by Debt Recovery Solutions or had no idea my information was sent to them. The information never had my consent to be sold nor do I have any contract or dealings with Debt Recovery Solutions. Medical information is very personal and I feel my HIPAA rights have been violated. By Law, you can not add a debt to anyone 's credit report without notifying them first. I have reached out to an attorney regarding this matter as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: Coinbase, Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I initiated a transfer of money from my XXXX XXXX XXXX account for {$9000.00} to Coinbase on XX/XX/XXXX. They initiated a second unauthorized amount for {$9000.00} and overdrew my bank account. They are now saying I owe them this money because my bank account rejected their offer and are going to take my money that is currently in their account. I am owed the {$9000.00} plus any fees my bank charges me for them overdrafting my account but currently I can't access my account until I pay them the money that I " owe '' them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: MoneyLion Inc.
State: TX
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 was notified by XXXX that a new installment loan was opened in my name with a company named MoneyLion Inc . This loan was for {$1000.00} dollars and started reporting on my account on XX/XX/2021. The report says the account was opened XXXX. There has been 6 withdrawals from my XXXX checking account, XXXX for {$44.00} and XXXX for {$9.00}. I have issued a stop payment today on XX/XX/2021 with XXXX XXXX fraud department. I have reached out to XXXX to file a dispute but said since the fraudulent person used my correct information, they closed the dispute. I also reached out to MoneyLion Inc in order to address this fraudulent activity and they stated that since my information is labeled correctly then they see no issue. I have no login account with MoneyLion or loan account open so there is no way for me to speak to someone directly about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a letter asking for validation of debt owed to Paragon Revenue Group because I have no or have I ever had business with them. During the dispute/validation process every few days this company has flagged my credit. It has caused my credit to decrease 23 points. They sent me a statement of alleged debt amounts I owe them. They even stated others names on the bill who I am not aware of. They continue to update the collection but has yet to provide validation as per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. I have reached out to an attorney and intend on moving forward with legal actions against this company. This has been an ongoing thing with this company and I consistently get them deletes and they pop up with new amounts not being able to verify any debts owed to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: EQUIFAX, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
hiding a collection under exceptional payment history to deceive me ... ... ... ... ... 

proof will be in the attachment XXXX XXXX XXXX {$3100.00} Balance updated XX/XX/2020 XXXX late payments unfair practices

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 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2020-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH DAMAGE TO MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2021-02-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
i have a wells fargo auto loan i have made all of payments on time in full. 
I always include an overpayment which I have asked to be applied to principal only The additional payment has NEVER been applied correctly. Wells Fargo simply posts it to the future months payment On XX/XX/2021 I made a {$1200.00} principal only payment, which was applied to the future 4.5 months 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 monetary relief
Consumer complaint received 2020-05-16
Company: EQUIFAX, INC.
State: MD
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:
The following accounts are incorrect : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: CITIBANK, N.A.
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had files a complaint before and CITI Bank agreed to send me a check for {$920.00} which I was to receive within 5 to 7 business days. See CITI reference number : XXXX. Their response to my prior complaint was dated XX/XX/2020. Today is XX/XX/2020 and the money still has NOT been received, I called the phone number that was noted in their response to my my prior complaint, XXXX. When the representative answered she stated that she had no information on the above noted CITI reference number and that she would open a new case and that a response could take up to 15 business days. This has been dragging since XX/XX/2020 and just another stall tactic that CITI uses. I want them to send me my {$920.00} that they agreed to pay 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 monetary relief
Consumer complaint received 2022-12-18
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: Their investigation did not fix an error on your report

Complaint:
I have maintain 30 years of great credit and 2019 suffered life altering injures from combat which placed me in a 100 % XXXX. Between the years XXXX, we where establishing me within the VA, Social Security and transitioning from workforce into the XXXX world, all my bills, and life where upside down. I reached out to the establishment and explained the situation and was informed that others where dealing with COVID-19 pandemic and we worked on maintaining our relationship. Even under my tough circumstance, I paid without looking for an easy way out!

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 2018-07-09
Company: Ross, Stuart & Dawson Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXXXXXX XXXX got leads for me, just prior to the XX/XX/XXXX workshop, our XXXX XXXX XXXX XXXX XXXX, XXXX XXXX said he couldn't use the leads ( for potential life insurance ) because he'd be required to have a Certified Public Accountant ( " CPA '' ) license. The leads were from a tax course but I thought the company only did the marketing, didn't realize the tax company I wanted to use was " XXXX XXXXXXXX XXXX. '' I later talked to my regional sales leader, XXXX XXXX who said we could use the leads.Anyway, went forward ( {$11000.00} bill ) because didn't want to leave the nice woman in a lurch ( XXXX XXXX ). The people showed up but then I was liable for the bill. I was offered a payment plan by the staff then the owner calls and demands a large deposit ( I'd already paid {$500.00} and paid separately for the tax course ), which I didn't have. He sent me to collections, made a pay arrangement of about {$1100.00} @ month. Made two payments but now found out the leads may be used so am awaiting outcome of a decision regarding this via my Congressman XXXX XXXX. In the meantime, XXXX XXXXt ( Atty XXXX XXXX ) ( XXXX ) insists on calling me at work, then when I tell them to call me on my cell, and that I'm working on getting them paid ( and also keeping XXXX apprised via email ), they keep calling my work, talking to my boss, making demands, and sending the bill to my work email. They just called me at work twice today, last Friday, 2-3 times.I have a very reliable friend who was going to help me out with this back in late XXXX, early XXXX, but he got really sick and is just recovering. 

The last time I put on an event ( " XXXX 's Purple Purse '' domestic violence award XX/XX/XXXX ) for my boss it was so time consuming, that I was glad to see XXXX XXXX XXXX. They are very good and get the " butts in seats. '' I wanted to be fair and make sure they were paid, and keep their goodwill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am trying to access my free credit report. I have not been able to get access for several years and I am concerned about what may be occurring. I need help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: Experian Information Solutions Inc.
State: MI
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:
There appears to be a couple fradulent accounts that were opened at a previous address of mine. Ive constantly contacted the companies as well as contacted my local police department. It was XXXX XXXX opened XX/XX/2015 with a balance of {$2900.00}. Also, a XXXX XXXX account opened XX/XX/2015 with a balance of {$450.00}. Theres also a XXXX account showing in collections with No balance which doesnt even make sense

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 2022-08-05
Company: EQUIFAX, INC.
State: MI
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:
Equifax has sent my information to other companies without my consent. They information they sent was incorrect that included collections and charge offs and incorrect addresses. I have told them several times these dont belong to me and to remove. 

{$130.00} --, collection, XXXX XXXX XXXX XXXX XXXXXXXX {$19000.00}, XXXX, Not my account {$27000.00}, XXXX charge off, XXXX, Sold to a third party {$390.00}, XX/XX/XXXX Collection, XXXX XXXX XXXX XXXX and sold to a third party {$300.00}, XX/XX/XXXX Closed, {$15000.00}, XX/XX/XXXX Closed, XXXX {$3000.00}, XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX, Sold to a third party. 

Texas auto dealer, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days past due on XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This incorrect reporting of lates is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

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 2021-06-21
Company: EQUIFAX, INC.
State: TX
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 disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. 
There is a serious issue of possible fraud, I am not associated with these following addresses please delete. XXXXXXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 2020-05-13
Company: Bread Financial Holdings, Inc.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I opened two new online savings account with Comenity Direct. One account for a savings fund, which I deposited {$690.00} and the other one as a family vacation fund, which I deposited {$1300.00}. It turns out that two additional transfers went into each fund. I noticed it first on Saturday XX/XX/XXXX, an additional transfer of {$660.00} was being transferred to Comenity. I immediately contacted Comenity and requested that they cancel the transfer. The young lady I spoke to told me that she will put in the stop and someone would call me. By the way, it has been 3 business days since my call and I am still waiting for a call back. I also asked her if she saw another transfer being made and she mentioned no, I see nothing else. I called Comenity on Monday XX/XX/XXXX to see what was going on since I see that the money is still coming out of my account. They told me I needed to call my banking institution to stop that, which I did call XXXX XXXX   XXXX but we had to wait for it to finish processing before I could proceed. I called Comenity again on Tuesday XX/XX/XXXX because now an additional transfer was made for {$1200.00}. I called them to stop this and get my money back. I was told by XXXX the supervisor that there is a hold on my money until XX/XX/XXXX. Okay I call them again today XX/XX/XXXX and now they tell me the hold is until XX/XX/XXXX. They have almost cleaned out my bank account and I need to make payments. I have no access to the money they took and I cant get it back. This is ridiculous how a bank can hold your money for no reason especially during this difficult time that the country is going through.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I opened a credit card amount with Chase in XX/XX/XXXX, after living in the United States for three months ( I am a XXXX XXXX by birth, but have always lived overseas ). On XX/XX/XXXX, they suddenly closed my account with no notice. I called their customer service that same day to understand what was happening, and they said they couldn't access that account, that the team working on it had frozen it and wasn't working that weekend. 

I called again today, XX/XX/XXXX, and was told that despite always paying my balance in full, for over a year, Chase had reviewed my account and closed it since I did not have enough credit history, although they opened that line of credit for me when I had absolutely no credit history at all. They did not warn me, there were no emails or notices on my online account, and I had to spend half an hour on the phone just to understand what was happening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-06
Company: EQUIFAX, INC.
State: TN
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:
OnXX/XX/XXXX, I sent a dispute letter regarding the inaccurate bankruptcy on my credit report. Equifax investigated and removed it from my credit report. A few days later it was added back on my credit report.

Company response to consumer: Closed with explanation