BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-02
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have an entry on my Experian credit report dated XX/XX/19 that also dates back on previous reports indicating I opened a XXXX cable account at an address I've never lived. The address of XXXX XXXX XXXX XXXX Ga is a place I never lived nor do I know anyone that lives or has lived at this address. I've XXXX near begged Experian to remove the address and the account from XXXX the collection agency that is listed as the debt buyer. They refuse to do so. I've asked them to show me how this was verified. Still no response.

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 2018-01-23
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I sent a SEPA transfer to Coinbase on XX/XX/XXXX. My bank says it 's in their account. I responded to Coinbase questions on XX/XX/XXXX about my processes, and determined my processes were sound, which leads me to believe something criminal is occurring. 

1. The ID Verification is completed, as I sent a SEPA transfer once before, onXX/XX/XXXX, 2.  SEPA is therefore added as my Payment Method 3. The names match across accounts 4.  The currency I sent money in was XXXX 5. In sending the money, the XXXX, XXXX, and references number were included. The Ref No : is XXXX My bank said the money was out of my account Thursday XX/XX/XXXX. 

My case number # XXXX Please find attached details of the bank, which I used two days prior to wire money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Attempted activating a Western Union gift card. Made more than 30 phone calls and received a message stating " Call Later '' No one answers the phone. Spoke to more than five people, and no one knows what to do. I had a Western Union representative call a special number, and they got the same run around as I did. I can not activate the card. I received the worst service ever. When someone didn't know what they should have, they hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Synergetic Communication Inc
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020, I received a letter from Synergetic Communications Inc, alleging that I owe a debt of {$15000.00} for a credit card debt I never owned. In this letter, the creditor wrote : " This debt is too old to be sued on in court as the statute of limitations has expired, and you can't be required to pay it through lawsuit. The statue of limitations may be renewed on this debt and start the time for filing a lawsuit against you to collect the debt over, if you sign a paper in which you admit that you owe the debt. '' This is clearly a deceptive attempt to collect an old debt from someone else and not me. I do not owe this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Revenue Assistance Corporation dba Revenue Group
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I received notice that a collection had been added to my credit report by the Revenue Group, attempting to collect a {$170.00} debt to XXXX  XXXX. I had never been billed for this amount by XXXX. 

I immediately called XXXX  XXXX ' billing department, who found there had been an error and said they they had indeed never billed me for that service. The representative said that she would issue me a bill and retract the collection from The Revenue Group. 

Two months later, I have still never received a bill from XXXX  XXXX, and the collections account is still open. It is not right for XXXX to send me to collections for a bill they never sent me. I am happy to pay any debt I actually owe, but I have not seen any proof as to the validity of this claim. 

I filed a dispute through XXXX  on XX/XX/XXXX, and today ( XX/XX/XXXX ) I received notification that they have verified the debt with the debtor. 

In general, XXXX  XXXX make it very difficult for patients to understand what bills they owe. There is no way to view outstanding charges on your account unless you receive a paper bill in the mail or speak with someone on the phone. This process is highly unsatisfactory and penalizes the consumer when XXXX makes mistakes, such as when they fail to actually mail a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: Specialized Loan Servicing Holdings LLC
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: Investigation took more than 30 days

Complaint:
Hello CFPD, it has been more then a YEAR, Trying to Work with MORTGAGE/LADAR to  CORRECT-REMOVE in-Correct Information is Posted to my Credit Report. # as fallows XXXX 
XXXX Date Generated : XX/XX/XXXX XXXX XXXX XXXX XXXX was my Original LANDER, My FIRST Payment was Due XX/XX/XXXX I PAID via Check Amount {$2000.00} But they SOLD my Paper to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Unfortunately. I never Got Credit from XXXX XXXX XXXX. in-spite. I provide them Several time Copy of Check was CASH on XX/XX/XXXX And it still Sowing on my Credit REPORT LATE/NO Payment. 
I have been Filing Dispute with USA XXXX. Finally I am seeking your Help to XXXX This issue/ I need HELP. 
THANK YOU 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 2020-10-15
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IN
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:
In XXXX of 2020, I submitted a complaint with XXXX  due to 2 inaccurate entries on my credit report. Upon checking the status of these complaint requests in XXXX, I was surprised to find that they were verified by XXXX  as reporting accurately. These were absolutely not correct entries and I would like to see the evidence that was used to verify that these were accurate findings on my credit history. I was offered no proof that these were correct ( and I strongly believe that they can not be because they are incorrect ) nor was I notified when the results were supposedly verified that they were correct findings. I know that these were reported incorrectly by the mortgage companys and would like to see verification of how they were determined to be reported accurately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
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 recently reviewed my credit report from the credit bureaus. Unfortunately, I saw that you have recently began reporting lateness. When i started investigate, there was a fraudulent charge on my statement I called to fraud department to XXXX XXXX  company and they replied they will remove the charge from my account therefore no lateness should be on my report. 

Fraudulent charge shown up in XX/XX/XXXX Late payment date XX/XX/XXXX I uploaded all information like Dl, SSN and statement from XXXX XXXX XXXX I am requesting to remove this lateness from all 3 bureaus as soon as XXXX XXXX  promised.

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 2020-10-29
Company: HW Holding, Inc
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Beginning inXX/XX/XXXXI moved into XXXX XXXX XXXX, XXXX XXXX, Al XXXX. It was a home that I rented along with XXXX XXXX. My daughter was also there. We rented this home through XXXX  XXXX XXXX. While I was there the rent was paid and all utilities including rental insurance was paid, nothing was behind. On XX/XX/XXXX XXXX XXXX XXXX XXXX me by XXXX and he also snatched the phone out of my little girls hands who had dialed 911. He hung up and the phone from her. He continued to XXXX XXXX me. After the cops were called and I spoke with the magistrate of the city of XXXX XXXX and made out a report. I was informed by police that XXXX XXXX wanted to remain in the house. XXXX XXXX XXXX also called and informed me that he wanted to remain at the residence. So I moved all of me and my daughters things out and I had to find another place to reside. Because of the XXXX he subjected us to that night, we could no longer stay there because it was XXXX. He couldve XXXX XXXX. No one at XXXX XXXX XXXX  cared. And they also let him reside at the house when he was suppose to provide proof of income to get my name off of lease, they also let him reside there and he did not have any rental insurance, and having insurance was a stipulation of the lease. Also providing his proof of income so my name could be removed was a condition of the lease and he failed to do both. I have proof because I have emails, voice messages, and recorded phone calls from XXXX XXXX XXXX. He stayed at the residence from XX/XX/XXXX til XX/XX/XXXX. I have proof of this. The debt owed is his because he resided there and he made was violent and assaulted me. I have talked to several people at XXXX XXXX XXXX and also Hunter Warfield. They showed no concerned. XXXX XXXX XXXX  didnt make him do what he was suppose so my name would could be removed from the lease. Im not going to pay for a place I was not staying. I had to pay for a safe place for me and my child. Hunter warfield needs and XXXX XXXX XXXX  need to hold the right person responsible which is XXXX XXXX. I have attached several emails after I left the residence that show only XXXX XXXX is responsible. He did not pay rent for where he stayed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
State: FL
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:
When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts/inquiries in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated these reporting accounts/inquiries as unverified information without providing any proof within the period allowed by law. The following accounts/inquiries need to investigate and correct for erroneous reporting in my file and are listed on my credit report : INACCURATE ADDRESSES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$270.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5700.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$36000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$260.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-29
Company: National Budget Planners of South Florida, Inc
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Dealing with the company National Budget Planners, the sales representative, XXXX, XXXX Ex XXXX, who repeatedly made material misrepresentations about the actual lender who would be buying out my loans if I am consolidating, telling me that XXXX is a private entity and my load would be bought out directly by the Department of Education ( lied about the actual entity who would be buying out my loan ), and also promised that by consolidating I would not loose my history of prior payments under income based repayment, which the representatives at XXXX confirmed is completely false. They were also attempting to charge monthly fees to " maintain '' my application. This is a dishonest and fraudulent company that nearly cost me over {$100000.00} in prior payments, and should be shut down and disciplined accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
While checking my credit report I noticed an account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MT XXXX. I have never requested business from this company but they are on my credit report. This has caused stress and I 'm looking for answers. It has an open date of XXXX XXXX,2015 at which I was serving my country and had no need for their services. I have disputed this with TransUnion, the only one of the big three that claims ths information was verified. After conducting my own investigation XXXX XXXX hides behind the doctrine of tribal soveereignty to avoid liability for their illegal lending practices. The also hide behind several name to avoid people trying to correct information. From the BBB records they have over 270 compalints over the past year.

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 2017-12-12
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
This is a follow up to Complaint ID No : XXXX. I made a complaint about SunTrust bank and the unduly charging of fees. Part of this complaint was also that I requested that my account be closed as I wanted no further dealings with this bank. The request was made written and verbally on XX/XX/2017. The bank immediately closed my savings account however to date, are refusing to close the checking account. They are stating that there is a balance owed. I agreed and requested that they close the account and send an invoice for payment for the balance owed. I would in turn make payment on that balance within 5 business days. The bank has refused to close the account. I was told that the account would be locked from activity. This also did not happen. They have allowed transactions on this account in an effort to again extort fees. I was told by one representative that if the account was closed that it would be sent to collections. I advised them to do exactly that and I would pay the invoice sent by collections company. This has not happened. I absolutely refuse to do business with SunTrust and I have told them this on the many occasions that I have requested that this account be closed. I am now reaching out in an effort to get this account closed so that all ties can be severed!

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 2019-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
by XX/XX/XXXX I request to XXXX XXXX review an inaccuracies in my credit report, I gave 30 days, they answer was need more information my dispute was clear and attach the report multiples inaccuracies, one of them DOLA DIFFERENT BETWEEN THE 3 OF THE BUREAUS.

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 2020-09-04
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:
TransUnion and XXXX  are fraudulent on my following accounts : XXXX  XXXX  is fraudulent on my credit Account # XXXX XXXX  XXXX  is fraudulent on my credit Account # XXXX XXXX  XXXX  is fraudulent on my credit Account # XXXX XXXX/XXXX  is fraudulent on my credit Account # XXXX XXXX  XXXX  is fraudulent on my credit Account # XXXX XXXX  XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX/XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX  XXXX  is fraudulent on my credit Account # 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 2020-09-04
Company: Gatestone & Co. International Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I contacted gatestone to reschedule my payment when I realized my bank account was over drafted, due to another bill payment being processed early. I asked to reschedule my payment on my next pay period and was told that there was no way to stop their automated system from collecting they payment. I informed the rep that for each attempt, my bank would continue to charge me an over draft fee and that it would put me further in debt. At this time the rep informed me that the only way to stop the automatic attempt would be to file a stop notice with my bank. XXXX implied several times that I did not do my due diligence by contacting XXXX earlier. I let her know several times that I called as soon as I realized the issue and was trying to work towards a resolution so that I could meet my payment obligation. She continued to imply that I did not take the correct action and that the matter was out of her hands. I then contacted my bank to place a stop payment, as advised by Gatestone. Today Gatestone called to advise that I would be kicked out of the lower interest arrangement for failure to meet my payment date. Despite doing what I could to adequately make my payment, Gatestone is now attempting to collect a payment that I can not sustain, without informing beforehand that their advised action would result in being kicked out of the program. I believe this is in violation of the Fair Debt Collection Practices Act Section 802a and 802c as no alternatives of payment were offered. This practice is highly predatory and deceptive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-29
Company: ROBINHOOD MARKETS INC.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened an account with Robinhood more than half year ago, I rarely use the account or perform any transaction. On XX/XX/2020, I requested Robinhood to close my account. They suggest me to leave the account open. I affirmed my decision, they informed me that I need to pay the negative charge first, which was caused due to the deposit reverse nearly half year ago. I then linked my bank account to Robinhood and paid the charge and asked them to close my account again. They stated I need to wait until the transaction is approved. On XX/XX/2020, I reached out to Robinhood and asked them to close the account, delete my personal info, and stop sending me any marketing messages again, they suggested me to downgrade the account. I have no idea of what they are trying to do, and have not received the confirmation of the account closing.

Company response to consumer: Closed with explanation