BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-20
Company: Experian Information Solutions Inc.
State: WA
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:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-14
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX and I had XXXX XXXX and XXXX this year which caused me to become behind on this mortgage. We can no longer afford to keep the home and we are listing it for sale XXXX XXXX. We have tried several times to get assistance and the only options we have received were a very expensive repayment plan that we have managed to keep. Our last payment we made was a few days over our deadline. They took the payment and I called our point of contact and left a message that we needed our repayment plan reinstated. We were told it would be reinstated after the payment cleared. It did clear. But no reinstatement. 

I went online to schedule our XXXX payment and it says that this loan is 3 payments past due. They did not infact reinstate our repayment plan because if they did I would be able to schedule a payment. I have called and left messages and we never heard back from our point of contact. 

Its hard enough having XXXX, its even harder when everyone shuts the door on you to get no help. Its hard enough trying to hold onto the property until we sell. There is a lot of equity in our home and it is all I have to relocate and start over so I can maintain my help. I am not asking for a handout. I would like short term forbearance so we can sell. 

I told XXXX that I would send them the listing agent form that we signed to show its going on market. Still no help, nothing. They will get all their money when they sell. 

Its very sad that I will have to file chapter 13 just to protect the equity if we get no help. Please help us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: Bread Financial Holdings, Inc.
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: Information belongs to someone else

Complaint:
I do NOT have a signed contract nor any contract with XXXX. I have never done business with this company. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report and FTC aftidavits the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with these false accusation of these accounts. I sent them a letter requesting proof any contracts, signatures, a copy of my id anythings that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Transunion and XXXX  had my XXXX XXXX XXXX paid in full on XX/XX/19 showing XXXX balance and paid collection account. Then on XX/XX/19 Transunion put the {$91.00} balance back on my XXXX XXXX XXXX and XXXX {$410.00} stating it is owed again and account in collections lowering my credit score over 25 points!! I don't understand how Transunion and XXXX can increase a XXXX   balance once the account is paid in full? I called customer service they were of no assistance I am trying to purchase a car I can not afford to have this happen to 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 2018-01-06
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
At XXXX pm - XXXX XXXX, XXXX I have done a deposit from an external crypto exchange ( Binance ) of XXXX Litecoins to XXXX ( company of Coinbase ), but those crypto currencies are n't arrived in Coinbase as the notification promised.I received thoug an notification that the deposit was received at Coinbase and also that it was forwarded to XXXX. After that I received an mail that the last stap ( automatically forwarding to XXXX ) went succesfull but I had to transfer it manually from Coinbase to XXXX. But this wasnt possible! 

XXXX XXXX I have filed immediately an ticket to support of XXXX, telling the whole situation and asking for immediate solution, this didnt help. Case number is XXXX. 

I called the support line of Coinbase and they basically even didnt know how XXXX worked and they could tell me more then saying that they would it escalate to an XXXX specialist. I received an confirmation of this. 

So I am now 8 days waiting for those XXXX 's, but still did n't arrive. As a day trader this is my job and bread. I lost many trade possibilities and indirectly make losses because of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I opened an account with XXXX XXXX about 5 years ago and I have noticed another company stating that I owe XXXX XXXX who I think is XXXX XXXX {$1300.00} and I do n't know I do n't have any bills stating i owe this amount to them and also I never open any account with XXXX XXXX they are saying I opened an account with them as well as in the payment history its not complete its saying I have never made a payment to XXXX XXXX and also that I am failing to pay them how is this accurate I can not pay money to a company I do n't know i do n't know what they are trying to do to me but I had to reach our for help I have tried other measures such as calling but I have not had any luck.

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 2022-01-11
Company: Nelnet, Inc.
State: PA
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:
in XXXX my student loans with Nelnet were put in forbearance due to hardship. I was told by the representative that they would stay in forbearance for 1 year based on my income. Instead the representative put my loans in a 1 month deferment. I then moved and by the time I got settled into my new state and mail forwarded. I received notification that my loans were past due. Confused, I got through the same process! I still have the emails sent to the student loan provider in XXXX and XXXX showing I was on food stamps, XXXX and met the income qualifications to stay in a 1 year forbearance. Keep in mind these calls are supposedly recorded and documented so there should never be an issue. I provided the documentation on several occasions between XXXX showing that I could not financially afford to pay back my loans. I was told each time they would be in forbearance based on my income, proof of government assistance such as XXXX, XXXX XXXX, XXXX XXXX and household size. Yet these representatives instead of helping me kept putting my loans in 1 month deferments. It took returning to school and finally speaking with a helpful representative to put my loans in the income based repayment program in XXXX. My issue is this late payment history that was no fault of my own has been negatively effecting my credit report for years. I have disputed, called, and sent a XXXX letter. I am a XXXX  and Veteran and completely disappointed with how I was treated by this lender and the false information portrayed on my credit. Costing me thousands a year in predatory interest and directly effecting my ability to obtain new credit. keeping me in a position of hardship for years. The dates for these so called late payments do not even match on all 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I opened an account with XXXX XXXX about 5 years ago and I have noticed another company stating that I owe XXXX XXXX who I think is XXXX XXXX {$1300.00} and I do n't know I do n't have any bills stating i owe this amount to them and also I never open any account with XXXX XXXX they are saying I opened an account with them as well as in the payment history its not complete its saying I have never made a payment to XXXX XXXX and also that I am failing to pay them how is this accurate I can not pay money to a company I do n't know i do n't know what they are trying to do to me but I had to reach our for help I have tried other measures such as calling but I have not had any luck.

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 2018-01-14
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The last payment on this credit card was XXXX XXXX. Pentagon Federal Credit Union is illegally re-aging the account to keep it on my report. Whenever I dispute it, they re-age it again, and are currently showing I made good payments until XXXX. That is completely false. The date of delinquency and the last activity are the same, XXXX XXXX. The amount past due is {$12000.00}. and the account begins with XXXX. I have not had a job since XXXX. I have been a XXXX XXXX XXXX and have XXXX income, therefore I have not made any 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 2020-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
i notice some inaccurate and incomplete information that is reporting on my credit report from transunion so on XX/XX/2020 I sent a letter to transunion and XXXX disputing the errors that showing from them and i requested the method of verification on the items 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 2022-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
According to XXXX, XXXX and TransUnion are furnishing the alleged Bankruptcy XXXX, negative accounts, and hard inquires to my credit report. My federally protected consumer rights are being violated by a variety of entities, including but not limited to the three main credit reporting agencies and minors such as XXXX XXXX, XXXX XXXX, and XXXX. In addition to this breach, they are also committing fraud, as these alleged companies claim to have verified and investigated this bankruptcy, negative accounts and, hard inquires, but your sources contradict their claims ( see attached documents ). I DID NOT give them neither direct nor indirect permission to furnish my information. This is unfair to me because I was never notified when this inaccurate information was provided, and I was never notified when you were going to report this information during the company 's initial investigation.These companies has ruined my reputation, and adversely affected my credit worthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
capital one has made a blanket decision to block ALL cryptocurrency related transactions, claiming volatility and fraud. i have confirmed that i am making the purchase and still they refuse. i pay my bill on time every single month. this is an obvious attempt to prevent the cryptocurrency from taking part of their profits and therefore illegal. when did preventing free market and competition become acceptable in this country? might as well move to a corrupt country like XXXX. class action lawsuit is inevitable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a collections notice on my credit report from XXXX XXXX. On XX/XX/XXXX, I called and asked them about it and they said that the collections was n't with them anymore. They recalled the collections back to XXXX, the original holder. I called XXXX the same day and made a payment to get rid of the debt owed. They explicitly said that it should not be on my credit report after payment. The problem is, the collections notice from XXXX XXXX is still on my credit report and I would like it to be taken off. I was given a clear statement from the XXXX XXXX  agent that they do not have my collections anymore and that it should n't be found on my credit report. As for the payment for XXXX, I have the confirmation number, XXXX, and the employee id, XXXX, of the man who explained to me the process above ( for removing the collections from my credit report ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-09
Company: TD BANK US HOLDING COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have an account reporting on my credit that I did not apply for. I do not recognize nor do I know how this was originally initiated. The account status is currently showing derogatory in the remarks. The info pertaining to this account does not match any past/ current addresses I've lived, which led me to believe someone obtained my personal information to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: Jzanus Ltd.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The collection agency is trying to collect a debt not owed. the Hospital wants to collect money not owed, the insurance company paid all debts. 

Sent the debt collector a letter to validate the debt and they did not and are still harassing

Company response to consumer: Untimely response
Consumer complaint received 2022-01-11
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: Account status incorrect

Complaint:
Upon reviewing my current credit report from your bureau, I came across the disputed items, and I don't think they are 100 % correct. Please investigate and correct the unlawful behavior immediately. 
Below are the list of the Items : ( XXXX XXXX XXXX XXXXXXXX ***** Opened XX/XX/XXXX Balance {$1700.00} ) This account is in fact registered as a charged off account ; I highly recommend you make me aware the actual reason why there is a balance detailing on the file whether it is a charge off? The account balance is in fact erroneous, please make sure you turn it to 0 or remove the item absolutely. Please also furnish documentation to confirm all the charges and credits with this assumed account that led to the maximum credit figure you might have showing on my document. My request to render these records is seen as a standard information inquiry based on my rights given from the fair credit billing act. If you can't provide these details per my civil rights request, give pleasure to straightaway eliminate this kind of incorrect entry. 
( XXXXXXXX XXXX  ***** XXXX XXXX, XXXX XXXX {$0.00} ) Evaluate this reporting by making a revision of the information provided. There is an existing balance on the account, and indicates that it was a charge off account? Modify and perform any corrections or withdraw this from my personal file. 
( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$120.00} ) This account evidently has a communications debt. In order to do so please provide your FCC identifier number and send the documentation that this in fact belongs to me and on my credit report. Because as I see it is not as it is clear they are attempting to collect on an out of statute debt. Please investigate and correct the unlawful behavior 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 non-monetary relief
Consumer complaint received 2017-11-27
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
TRANSUNION AND XXXX XXXX TO FOLLOW SUIT AND DELETE UNAUTHORIZED HARD INQUIRIES FROM MY CREDIT REPORT.. I 'M FED UP WITH THE RED TAPE AND EXCUSES, XXXX DELETED WITH NO ISSUE, AND I SENT CERTIFIED LETTERS TO THE CREDIT AGENCIES WITH NO RELIEF

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 2019-07-22
Company: EQUIFAX, INC.
State: OH
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:
Yes I have an Complaint filed to your complaint services starting back in XXXX of 2019 under my email address of XXXX .My name is Mr XXXX XXXX XXXX XXXX I also had XXXX XXXX  Ultimate Protect Package with All Three Credit Buruea ' s can I Have My Complaint add To the Eqafex settlement. Claim number # XXXX I also had added a Credit Freeze to my Identity in XXXX of 2019 with XXXX  and Had to close my Account in XXXX of 2019 because of Withdrawal From my Bank Account that Was Taken because of Data Errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX, XXXX my credit report was used without my consent from XXXX and 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 2019-07-22
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:
I submitted to Experian a dispute about my XXXX/XXXX/XXXX  account. I wrote a detailed letter and provided a full credit report highlighting the errors. I was notified today the dispute was complete so I pulled my report. Unfortunately, Experian did not meet their obligations under the Fair Credit Reporting Act. They did not provide answers to any of the questions that the dispute raised nor does it look like they actually investigated as the date of update is XX/XX/2019 which was before the dispute was filed. Therefore, I am filing this complaint to compel Experian to delete the XXXX/XXXX/XXXX account for inaccuracy as highlighted in my dispute letter.

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