BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-03
Company: TRANSUNION INTERMEDIATE 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:
On XX/XX/2022, Transunion received a report that there was an increase in my balance of {$3100.00} to {$3300.00} ( see attached ). This is not my account. I do not have any bankcard account with this balance. Furthermore, there was no creditor on this report. When I tried to file a dispute against this transaction on transunion.com, it refused to allow me to file a dispute ( see attached ). Therefore, I called and attempted to file a dispute with transunion representative, XXXX ( representative ID ) on XX/XX/2022. He stated he did not see no such transaction. He also refused to send me a credit report and process my dispute via the phone. He also refused to provide his representative ID. He was of no help whatsoever. 

Transunion has a very difficult process and prevents consumers from filing subsequent disputes online once they have submitted one dispute. They only allow you to submit and process one dispute at a time. Thus, I am unable to dispute this online.

Please see attached account. This account is not mine. I do not have any such account with this balance, thus I request this account to be deleted from my credit report. Also, I request that Transunion change their policy and allow a consumer to submit a second dispute while the first one is in process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call on a daily basis, sometimes two or more times. I have sent several letters explaining my situation and telling them not to contact me or anyone else. They keep calling and calling. I have blocked them. They do not have a call back number that shows up on my phone. 
I have documented the following dates and times : XXXX XXXX XXXX 
XX/XX/XXXX XXXX XXXX 
XX/XX/XXXX XXXX XXXX 
XX/XX/XXXX XXXX XXXX and XXXX XXXX. 
XX/XX/XXXX XXXX XXXX 
XX/XX/XXXX XXXX XXXX and XXXX XXXX. 

This is only a small list of a myriad of phone calls that goes back months and months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: ASTORIA BANK
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We are still processing a short sale with Astoria. On XX/XX/XXXX, I emailed the last remaining requested documentation to XXXX XXXX. She responded to my email that she would review that document and advise me that afternoon whether the foreclosure sale date of XX/XX/XXXX has been postponed. She did not respond as promised. I called Astoria this morning, XX/XX/XXXX, to confirm the foreclosure sale date has been postponed. I spoke with XXXX. I asked her as to a status of postponing the sale date. She said she does n't see that XXXX XXXX notated the file requesting for a postponement from the investor. She said the processor in her absence is XXXX. I asked her to check with XXXX to see if they have postponed the sale date. XXXX stated that she does n't have the document and XXXX does and she will review it for postponement once she gets back from vacation on XX/XX/XXXX. I asked for a supervisor since it 's not appropriate to hold up the entire process for one person 's vacation. She transferred me to XXXX, the " Team Lead '' who says he does n't have the document I confirmed XXXX XXXX had yesterday. I asked him to check her email since she did n't upload it so the rest of the office could see it and XXXX does n't have access to her email to retrieve the document. Once again, XXXX XXXX has lied to me she did not review the document and she failed to update me as promised before she left for vacation. Astoria has continued to provide inferior customer service and I should n't have to spend 90 minutes on the phone with them to get someone to assist with an issue. Astoria continues to  make promises it does n't ever keep.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: HUNTINGTON NATIONAL BANK, THE
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX LOAN # XXXX To Whom it May Concern, My name is XXXX XXXX. I had a mortgage loan with Huntington Bank until XXXX of XXXX. In During the Global Pandemic and National Emergency in XXXX of XXXX I had a Late payment on my mortgage referenced above. The late payment was due to XXXX as I was XXXX at a different address and did not receive mortgage statements. I thought we had this addressed and removed from my credit in XXXX however I recently discovered it again while in the process of applying for another mortgage. This is the only late mortgage payment and my credit is great other than this one item. My credit is solid. The Global Pandemic has affected us all in different ways. For me, circumstances created by the pandemic unfortunately resulted in a late payment.

I am writing to request Removal of this late payment from my credit history, to include all 3 major credit bureaus.

Thank you for your consideration. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-08
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Inaccurate XXXX XXXX : " Your TransUnion credit report contains the following XXXX XXXX. 
DO NOT CONFUSE MY CREDIT FILE WITH PEOPLE OF SIMILAR NAME, ADDRESS OR SSN. VERIFY ALL IDENTIFYING INFORMATION. THESE NEGATIVE ACCOUNTS ARE NOT MY OWN. I DO NOT HAVE A MIDDLE NAME. ''

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 2020-02-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
They are reporting incorrect information for XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. They are not reporting the DATE OF LAST ACTIVITY on either of these 2 accounts, and will not delete them. I will seek legal action if not removed. They also refuse to honor other disputes. The website is only set up to dispute once.

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 2021-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
To whom this may concern I have contacted XXXX XXXX  XXXX XXXX Multiple times during the span of 3 months. They never advised of an increase of my mortgage loan from XXXX to XXXX $ never got a phone call, or letter. I found this information out when they reported the late payment to my credit bureaus account. I have these payments to be autopaid though the website & I do have extra payments on the account in which they kept telling me I don't have an extra payment. They admitted to fault opened an investigation and never did anything I called again and opened another investigation they said that they have been using those extra payments to cover for the amount needed to complete for the mortgage. I have never missed a payment & they are reporting my account late payment andnit has afected my ability to get a loan, new car & credit cards XXXX XX/XX/XXXX I spoke again to a different representative to try to get this resolved.

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 2017-07-07
Company: Coinbase, Inc.
State: WY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XXXX, XXXX 2017, as I was having issues purchasing Bitcoin from the cryptocurrency company Coinbase, INC, I updated my account info to include my state of residency. The address I used was in the state which corresponded with the ID they have on file. This is not my primary address, although I do use it still occasionally for official business as my current address may change and I can still receive mail at the old address. Coinbase suspended my account, stating that they do n't allow for residents of that state to use their services, although this was not an issue when I created my account nor was I notified of any change. I immediately contacted them asking to change my address to my new address in a state that they do business in, but also gave the option of sending the XXXX Bitcoin in my account to a different Bitcoin Wallet. Their website states that even if an account is frozen funds remain in the wallet until the account is unfrozen. In return to my complaint, I received two automated email responses stating that due to high traffic at the time the incident occurred they could not get to my complaint at the time but should expect a response within 72 hours. The second email I received requested response if the issue was not addressed by the automated email. I responded, expanding on the issue and requested only a Bitcoin transfer as I no longer wished to do business with them. I received no further responses regarding this issue. On XX/XX/XXXX, I added an additional reply to the open case I had stating that I had not yet received a response and that they did not have the right to withhold my funds. I filed another separate complaint with them on XX/XX/XXXX, to which I got another automated response stating that due to high traffic I should expect up to 72 hours of delay before I receive a non-automated response. This second complaint I opened was merged into the previous one for having similar content, yet I received no response. I have received nothing further from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX States that I owe approximately {$1800.00} to XXXX I have not had a XXXX XXXX XXXX XXXX when I returned home from my XXXX to XXXX. I had my account closed with XXXX XXXX XXXX  and my account was in good standing at a XXXX balance. I do not know where this company got this information from but its wholly inaccurate and wrong. I received a letter from this company approximately 4 to 5 months ago and responded with my statement saying that I do not owe any money to XXXX  The company in question ignored my statement and filed this collection on my credit report wrongfully.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: Servatus Corporation
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I file a dispute with XXXX over some debt that I am not aware about. I was called by credit solutions Corp.  and they tried to bully me about the debt. I never contacted them directly to do a dispute with them. I told the rep. Of the company that if I did a dispute thru XXXX that he is not supposed to contact me by phone. He told me is obvious that I don't know the law and he can call me when ever he wants. He rudely brush me off and told me don't worry the debt will continue to be on your credit report and hung up. Please call me XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: TRANSUNION INTERMEDIATE 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: Public record information inaccurate

Complaint:
I disputed the accuracy and information on my credit report for bankruptcy. Both Transunion and XXXX told me that this information was verified with the courts but the information was untrue. I received a notice from the courts that they do not report to any credit reporting agency. I have attached the notice from the courts. Also, the name on the document from the court is not my name. I want both of these credit agencies to remove this from my credit file.

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 2022-03-03
Company: TRANSUNION INTERMEDIATE 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 lost a wallet with all my personal information ID, SS Card, Bank Cards etc. I canceled the bank cards the next day so those were no issue but some months later I started noticing items on my credit I had no knowledge about and at that time I didn't put 2 and 2 together about losing my wallet so I would just dispute the charge to no avail. Later when trying to purchase a home I seen where it listed on my credit that I had a balance from an apartment when during that time I lived at XXXX XXXX XXXX, XXXX in a house not an apartment. I can't do anything with these items on my credit. I have been going back and fourth with with that all the accounts opened up in my name and I just need this to be over. I have collection accounts from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX I have over 10 Inquiries from places I have no idea about. Credit card closed accounts theres 2.

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 2017-07-07
Company: Navient Solutions, LLC.
State: AZ
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 am seeking relief from the Navient Board of Appeals to remove the 2014 Late Payment status from all ( 3 ) credit bureau reports ( XXXX reports attached ). Please note that my account was in forbearance status prior to, and after the Late Payment status ; forbearance was also granted and retroactive for the same period, which amended the Late Payment status. <P/>Your representatives ( errors & omissions ) assured me the retroactive forbearance would supersede the Late Payment status and would be removed from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: AmeriCollect
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I noticed a debt charge off from a company called Americollect on my credit. I contacted the company via chat. They are giving the name of a XXXX XXXX I am unaware of. They also could not verify my social, only my date of birth. Despite having the address listed on my insurance the letters were sent to an XXXX XXXX address that was not provided by the Americollect employee. I have received no calls, or no letters regarding the debt. I have lived at my current address for 4 years, my insurance is billed using my current address which is XXXX XXXX XXXX XXXX. My dad lives on XXXX XXXX and has the same name as me. Simply verifying my date if birth is not adequate. My father 's credit report has often times been crossed with mine. Americollect did not give me notice of the debt, my dad has not received a letter and we have received no calls. Furthermore ONE letter isn't enough notice to dispute or pay a XXXX dollar debt before reporting it to my credit. I can find no balance owed on my insurance as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
We received notice ( attached ) that our bill was past due. However, we never received a bill. Upon calling the cc company, we learned that we had an outstanding balance of {$370.00} which included {$28.00} of late charges and XXXX of interest. After expressing our displeasure with not receiving a bill, the late charges were waived, but not the interest. We paid the outstanding {$340.00} bill in full and cancelled the card. We were then threatened that we could never receive another Gap credit card.

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 2017-07-07
Company: Experian Information Solutions 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:
i have a letter from XXXX stating they will contact you guys to remove item. items still exist on my credit report proof will be attached

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 2017-11-06
Company: Convergent Resources, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed that as of XXXX, XXXX my XXXX Credit Score wend down. According to XXXX  XXXX sold the old debt information to XXXX XXXX. Convergent is now ruining my Credit. I have previously filed a complained about XXXX trying to collect debt that is not mine ; I never had an account with XXXX and I never lived at the alleged address. This matter was already settled with XXXX on XXXX/XXXX/XXXX ; i.e. they ceased extorting money from me. 

Best Regards,

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 2022-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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 addressed the credit bureaus concerning these accounts first item as of date reported XX/XX/XXXX the amount of the debt is {$460.00} open on XXXX XXXX balance stated to be {$610.00} according to the Fair Credit Reporting Act any unauthorized and unverified account must be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: AFNI INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Afni, inc. has falsely reported information about me to the credit bureau, and it has negatively impacted me. I am in the process of buying a home and this is preventing me to move forward. The debt says it 's an XXXX & XXXX XXXX account, which I 've never had. I 've been a XXXX customer for over 10 years. I pay my bills, and everything on my report is positive except for this false collection. So that I could move forward with my home loan I even contacted Afni to pay the debt ( even though it 's not mine ) if they would remove it from my credit report. They declined. It makes absolutely no sense to ruin someone 's life for absolutely no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: HSBC NORTH AMERICA HOLDINGS INC.
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:
I summarize my complaint below. 

( 1 ) I found out a purchase dated XX/XX/XXXX that was not made by me. The amount is {$260.00}. 
( 2 ) I notified the bank in writing of the dispute item on XX/XX/XXXX that was before the statement payment due day XX/XX/XXXX. 
( 3 ) On XX/XX/XXXX, the bank sent me a dispute form which I completed and returned to the bank on XX/XX/XXXX. 
( 4 ) The bank replied in writing on XX/XX/XXXX, crediting my account {$260.00} of the disputed amount. They said they forwarded the billing dispute to the merchant 's bank for their review. 
( 5 ) I received a letter dated XX/XX/XXXX from the bank enclosing documentation from the merchant. The bank said they consider the charge is valid and placed the amount back on my account. From the merchant documents the purchase is online transaction which the merchandise was picked up in store in XXXX XXXX, New Jersey. The merchant did not provide the signature of the person who picked up the merchandise. I live in XXXX XXXX in California and did not visit XXXX XXXX on the date of purchase. 
( 6 ) I paid the charge back {$260.00} on XX/XX/XXXX. 
( 7 ) I called the bank 's billing dispute team on XX/XX/XXXX and pointed out the transaction is fraudulent and I did not place the online order and did not pick up the merchandise in XXXX XXXX store.The bank staff ignored my points and insisted the transaction is valid.

Company response to consumer: Closed with explanation