BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-20
Company: CAINE & WEINER COMPANY, 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:
On XX/XX/2018, i settled a debt with cain & wiener collection agency for {$96.00}, original debt was {$120.00} they in turn reported on my credit report that gher was a balance of {$31.00}, also they reported on my XXXX report a mew dept of {$31.00} also a balance on my XXXX report of {$31.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: EQUIFAX, 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: Account information incorrect

Complaint:
On XXXX, XX/XX/XXXX, XX/XX/XXXX. 
XXXX XXXX and the all three-credit bureau continue to report this account on my credit report. I have tried over several times in the past year sending letters and trying to reach each company on the phone to speak with them about this account. This is a duplicate account with a different account number. I receive no response from XXXX XXXX, all three-credit bureaus just keep updating my credit report as been verified as valid account. Im not given any information to whom and how they conducted the investigation, I have asked to show me proof with my signature with an agreement and account number to this account. I still have not received anything. 

Also, I have asked all the credit bureau to verify the Bankruptcy reference number they have listed on my credit report, per FCRA everything that is reported on my credit must be accurate. The reference number they have listed on my credit report is inaccurate and the US Bankruptcy court doesnt report any information to the credit bureaus. They have told me that it has been verified and valid, the reference number on all three of my credit reports are incorrect it doesnt match the number I have on my copy of my Bankruptcy paperwork, discharge papers, nor will it match the court records if they had done the investigation. I have 31 credit inquires on each of my credit reports and most of them are dated from XXXX until now I tried dispute especially with the data breach from equifax, equifax said they verified them and they re factual. I tried to dispute my name it has XXXX next to it, I 'm a female I sent them all the Identification they need to prove I 'm a female, there is no XXXX on my name or ID, they refuse it from credit reports. There is a medical account listed in collection I have sent them all the evidence that this account does n't belong to be but to the XXXX XXXX XXXX Veteran Affairs Medical Center. And this  account was paid by the Veteran Choice program, and I gave them the contact information. They refused to remove the account and said that the account belong to me and gave me no proof of validity that I signed an agreement of financial responsibility for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: EQUIFAX, INC.
State: OR
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:
On approximately XX/XX/XXXX I initiated a dispute through XXXX for an item in collection through XXXX XXXX XXXX That debt, assigned XX/XX/XXXX for {$200.00}, is inaccurate. It was paid via XXXX XXXX ending XXXX in the amount of {$130.00} on XX/XX/XXXX. I sent the credit card statement showing that charge, which originated from a XXXX visit on the aforementioned date. Numerous attempts to contact that collection agency via phone and traditional mail have proved unsuccessful, which is precisely why I disputed the transaction. I disputed the transaction via traditional mail since Equifax 's online dispute process refused to recognize me. I received a letter around XX/XX/XXXX, thirteen days after my initial dispute efforts, claiming they needed " additional information to verify my identity ''. I mailed them back the requested copy of my social security card and a copy of my lease agreement. I received another letter on XX/XX/XXXX restating the same information and asking for another copy of my social security card and proof of residency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Tried to resolve debt 1 year ago with a lump sum payment which They didn't want to do. So we had been receiving this letters in mail with someone else 's its name. By law your not suppose to open mail that's not yours. My credit scores have been hammered this whole time and haven't received a single correspondence with my name on it..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Credit Card Company : XXXX XXXX I have been trying to resolve an issue with a charge on my credit card that was suppose to have been refunded. I filed a claim with the credit card company on XX/XX/2018. I received a response on XX/XX/2018. The response was that they " could not find where the error occurred ''. All attempts to contact them have not be productive. I was told in on phone call that they did not have the last four digits of my credit card. Which seems unlikely because they use that same information to identify me when I call that same number prior to talking to a service representative. The amount of the purchase was {$15.00}. Purchase date XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Company: EQUIFAX, INC.
State: NY
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: Other problem getting your report or credit score

Complaint:
I address issue on XX/XX/XXXX and the website work only one day for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2018, I was told by American Express that I could process payments online. I spoke to the office of the president. On XX/XX/272018 I was told again that I would be able to make a payment online, print my receipt for proof. On XX/XX/2018 I was told that if my payment was made that my credit would be protected. I want American Express to open up the account online to receive the payment and make sure Not to negatively report my account. American Express can not report you negative, tell you that you can make a payment online to pay you balance ( on a recorded line ), then not fix a time sensitive matter error on my account Today I still have not been able to pay the way I was promised and mitigate this issue as promised by the Office of the President They have made yet another mistake and this time I would like XXXX XXXX 's office to be made aware of this and contact me immediately XXXX XXXX adnd his team has informed me that the reported errors on behalf of the credit department and dispute departments thus far will only be mitigated by my paying the entire balance, and that I was grate ability to pay online and print my receipt. They did not open the access for me to pay as promised. 
XXXX XXXX office will also need to be notified to help rectify this urgent mishap on behalf of American Express They close my account prematurely and in error as a result of documented negligence on behalf of their dispute departments. My payment needs to be posted online as promised and my credit and the integrity of my account needs to reflect my efforts to stay in compliance with American Express policy, while American Express communicated false practices ( on recorded telephone calls ) and promised to place the account in disputed and it never happened. Then demand immediate payment. Well, I have attempted again to comply and need to speak to someone on the telephone immediately and I want to make an ONLINE PAYMENT and be finished with this incompetence. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I recently received a copy of my XXXX, XXXX, and XXXX credit report. The credit report showed a credit inquiry by the company that I do not recall authorizing. 

I understand that they shouldnt be allowed to put an inquiry on my file unless I have authorized it. 

Please have this inquiry removed from my credit file. 
I have sent a letter certified mail because I need a prompt response to this issue and I requested that the company forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 

The company redirected me back to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX MIDLAND FUNDING XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MIDLAND FUNDING XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
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:
I am a victim of identity theft the information which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. Equifax deleted the account and then placed it back on ). Equifax has failed to remove block and deleted information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the 605b, 609, 611 ( a ) ( 5 ) ( B ) and are outright refusing to uphold the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-03
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: Information belongs to someone else

Complaint:
please remove i have letters and emails attached that show no proof of me attending the school that is all rolled up into my student loans - my experian report stated that i agreed in writing that it was removed in error and i never agreed to any sort of thing i need proof of this what is showing in writing

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 2018-01-15
Company: Medical Society Business Services, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, On XX/XX/XXXX I made a payment to XXXX XXXX XXXX located on : XXXX XXXX XXXX XXXX, XXXX, CO XXXX Phone # : ( XXXX ) XXXX - XXXX for the amount of {$160.00} that I owed them for a visit. I received a letter in the mail with an assignment date of XX/XX/XXXX from the XXXX XXXX XXXX XXXX that I was sent to collections for {$160.00} that was already paid. I attached my online confirmation and my credit card statement showing that I made the payment.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: EQUIFAX, INC.
State: VA
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:
Sent 2 letter certified with no answer .. XX/XX/XXXX and XX/XX/XXXX with the follow information about my fair credit act, section XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX Equifax XXXX. XXXX  XXXX XXXX, GA XXXX Dear Credit Bureau, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report.

LIST ACCOUNT NAMES AND ACCOUNT NUMBERS 1.  XXXXXXXX XXXX XXXX XXXX - {$2300.00} Revolving Negative 2. XXXX XXXX XXXX XXXXXXXX XXXX Revolving Negative 3.  XXXX XXXX XXXX USA XXXX XXXX XXXX - Revolving Negative 4. XXXX XXXX XXXX - XXXX Loan - Negative 5.  XXXX XXXX Revolving Negative 6. XXXX XXXX Revolving Negative 7. XXXX XXXX Revolving Negative 8. XXXX   XXXX Revolving Negative 9. XXXX  XXXX, XXXX City of XXXX XXXX XXXX XXXX that are NOT valid 1. XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XXXX  XX/XX/XXXX 4. XXXX  - CARD SERVICE - XX/XX/XXXX 5.  XXXX - XX/XX/XXXX 6. XXXX XXXX - XX/XX/XXXX 7.  XXXX - XX/XX/XXXX I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If you cant provide me with this information within 30-45 days, please  remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SSN XXXX DOB XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/17 I submitted a support request asking for access to the 20 BTC in my vault. The substance of the request related to changing my secondary email, which would be necessary to access my BTC. Over the next few days I received a number of automated responses indicating there was no solution to this fairly straightforward issue, making my money inaccessible. Over the last two weeks I have sent a number of emails to coinbase requesting attention to my case as it involves a substantial amount of money. So far I have not received any response indicating that there exists any sort of support for existing coinbase customers. I do understand that coinbase continues to sign up new accounts, so it appears resources are only being spent on increasing revenue, at the expense of serious issues facing existing users.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: The Outsource Group, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I gave birth to my daughter in XX/XX/2015. I made an agreement with the doctor 's office to pay {$25.00} every month until my bill is paid off. I have not missed one payment. XXXX started contacting me on this account several months ago, asking me to pay more than what is owed on the account. They relentlessly call me several times a day at all hours. They have called and have woken up my children too many times by calling too early or too late. I am fed up with it. They call from many different phone numbers so I can not screen my calls. When I am forced to talk to them, they do not take me seriously. They disregard what I tell them. They interrupt me and they tell me they will continue to call even though I have told them to stop calling. I will continue to pay my debt directly to XXXX XXXX at her office, regardless. But these people need to stop harassing me. This debt should not be in collections and they should not try to get me to pay more than what is owed on the account.

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 2019-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 60 days past due on the XXXX   partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-07-20
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have a balance of {$1900.00} on my credit report from Credit National Systems that does not belong to me but a family member. Ive disputed this charge for 2 years. I have been receiving calls threatening to seize assist because of this debt. I asked them to provide documentation to show this debt is mine.. I received an email on XX/XX/2019 and none of my information is on the document. They continue to call with threats to make me pay this debt. I refused to pay as well as requested they remove the debt off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: MoneyLion Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, a MoneyLion account was fraudulently opened in my name. A loan for {$1000.00} appears to have been taken out. Additionally, several payments were charged to my personal checking account and sent to Moneylion : 2 on XX/XX/XXXX for {$19.00} each, and 4 on XX/XX/XXXX for {$97.00}, {$45.00}, {$19.00}, and {$19.00}. I reported these fraudulent charges to my bank, XXXX, and they were reversed. However, the loan account has remained open. I filed a dispute through XXXX, but they deemed the account information as " accurate ''. Missed payments are beginning to show up on my credit report and affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: WESTERN UNION COMPANY, THE
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
On XX/XX/21 I sent money to my brother using WESTERN UNION to XXXX, I specifically requested for my brother to receive U.S. dollars. WESTERN UNION charged me {$18.00} for fees for my brother to be able to receive U.S. dollars. When my brother went to received the remittance 3 of the WESTERN UNION places that he went to they told him that they do not have U.S. dollars to give him instead they told him he either get it XXXX Peso or go to other branches. My brother can not wait my sister-in-law is ill and she needs to see a doctor, so end up receiving Peso instead of a dollars. I called WESTERN UNION and ask to get a refund for charging me {$18.00} instead of {$8.00} for receiving peso. The 2 Customer Representative gave me a case number and told me to wait 90 days for investigation! 90 days for investigation can you believe that? I also want to know why my brother received {$99000.00} instead of {$1000.00}? WU told me that is for XXXX taxes, but they also charged my brother another {$3.00}. I already paid the fees here so it not burden to my brother since they are experiencing very strictly lockdown and no job and they are very poor. How many times WU will milk money to their consumer? That is why I am filing a complaint against WESTERN UNION. The company is deceiving their consumers. This is not about the money, its the principle. They charged me {$18.00} so he can received U. S. dollars but he did not so the difference was if I ask them to received XXXX Peso they will charged me {$8.00} so WESTERN UNION should refund me {$10.00} because they did not provide my request.

Company response to consumer: Closed with explanation