BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information is missing that should be on the report

Complaint:
Transunion and/or its Attorneys, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX notified XXXX XXXX XXXX by mail in regards to a settlement for improper reporting. XXXX XXXX declined to settle the matter because all or most of what was on her credit report was disputed in regards to public records and there are several missing accounts that are not reported and this may be due to the injunctive relief granted to Transunion to not report such accounts.

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 2020-10-09
Company: Experian Information Solutions 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 information incorrect

Complaint:
Account number : XXXX with credit card that end in XXXX has been paid with a {$0.00} balance but it is reflecting an incorrect balance on 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 2019-07-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Spoke to XXXX on XX/XX/29 regarding the application of my payment to 0 % promo. She is in process of fixing the issue, but it is a very strange situation and I believe the information provided was inaccurate. My payment was not applied to my 0 % promo and she said it was because of the date I started the 0 % promo. I asked where it said that and she said I agreed to it in the terms of my agreement. I asked her where that was in agreement and she said she didn't know. I asked for the terms to be sent. I found a terms copy in my messages and I could not locate where it says that the payments are applied based on the time you set up the promo not the expiration date. It also does not say this on any of the statements. I asked her to provide the start dates. however, the point is, that is not clearly shown anywhere that that is the terms and it does not say that on the part when I signed up for it. 

So the process they are making me follow is to get a refund of my payment and then pay the payment again now that the 0 % promo has expired. I am supposed to have that refund this week. However, I would like to point out that while they did give credit for the interest already charged on this, I am expecting that I will have to fight yet another interest charge because of this procedure. 

I think that if this is their method of doing this, it should be clearly explained in the promotion and in the terms. Again I could not find it anywhere. This is just plain sneaky and none of my other cards have employed this practice. It makes no sense that they couldn't just reapply the payment and I have to go through this refund/repay issue. I only wonder how many other people have been caught by this trickery.

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 2018-01-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or around about XX/XX/XXXX I mailed out a certified dispute validation letter to XXXX XXXX XXXX XXXX XX/XX/XXXX I received a letter from Portfolio Recovery Associates stating that on XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX, XXXX ) has concluded its investigation of your dispute and is closing your account. With XXXX balance. But have not removed the negative item from my credit report. I have made every attempt to resolve this matter as the damaging inquiry on my report continues to hunt my credit score. I can not get them to contact me or respond in any form of communication.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-02
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/2017 I used my credit card for a friend that lives out of the country to pay a some type of fees on his timeshare account with XXXX XXXX XXXX XXXX XXXX XXXX ; Because his credit/debit card was declined due to his banking security issues and he was not able to use his own credit/debit card at that time, so I used my card for the transaction. That was the ( ONLY TRANSACTION ) I allowed to be made on my credit card and never signed any contract with XXXX XXXX XXXX XXXX. ; After a couple of months I was traveling in XXXX and tried to use my card for a small purchase and the transaction was denied, I figured that the transaction was declined because I was out of the country at that time. Once I arrived back to the United States I contacted my bank and logged in to my online account only to find out that there were several large amount charges from XXXX XXXX XXXX / XXXX on my credit cards, so I contacted my credit card companies and let them know that the transactions were not authorized by me, so they place a claim for the transactions. Everything seems to be fixed for a while but after a couple of months the charges were reversed back to my account and the bank issued me a letter stating that XXXX XXXX XXXX XXXX. XXXX. ; provided them with my authorization for the transactions when I did not. XXXX XXXX XXXX XXXX. XXXX. negligently and knowingly charged my cards without my authorization for their member/stockholder account because their member/stockholder credit/debit card would not go through for the transactions, so they charged my cards over and over. Without my authorization XXXX XXXX XXXX XXXX. XXXX. saved my card information on their system without notifying either myself or their member/stockholder. 

After and while looking up the company online I found similar situations, they are money hungry and their agents try and do anything to get money in no matter what even it it is to break law in every aspect. 

Now, I owe my credit card companies {XXXX} not counting interests and my credit card companies only tells me to go to the police and nothing is resolved. 

Now the only choice I have is to file a law suit in Federal Court to recover the moneys they charged me because I can never pay this amount. 

This also have impacted dramatically my credit scores making it impossible for me to get a loan due to extremely high interest charges. Even more, myself and my partner have almost all of our accounts jointly and his credit has also been affected dramatically.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
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 checked my credit report a couple of weeks ago and noticed a collection account named XXXX XXXX XXXX XXXX was added to my credit report. The company states I owe them {$37000.00}. I have no idea where this account appeared from. I have lived in my house, paying my mortgage going on XXXX years now. My apartment before my house was in XXXX and I never missed a payment or was late paying. This account can not belong to me. I have XXXX open accounts ranging from credit cards to auto loans and haven't missed a payment on anything within the last 5 years. This account is fraudulent and the company does not care the debt belongs to me. They call and harass me daily for money and will not remove the account from my credit report. My credit is my lively hood. I went to the police and they have provided me with a police 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 non-monetary relief
Consumer complaint received 2017-11-16
Company: N.A.R., Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On or around XXXX XXXX I contacted the original creditor ( XXXX XXXX ) regarding a outstanding balance of approximately {$4500.00}. The reason for the default was due to my medical condition. The reason I contacted XXXX XXXX l was due to my Bankruptcy consideration. They agreed to settle for approximately {$2700.00} in writing and they will remove all negative information based on our agreement. After making the first payment of {$330.00} ( 45 days later ) the item was still being reported incorrectly. My bankruptcy lawyer tried several time to contacted XXXX XXXX and both he and I received no response. 60 days later the account was removed. XXXX XXXX a collection agency ( NAR INC )  reported on all XXXX credit agencies. I contacted the collection agency and the refused to remove or delete the collection. Please Help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
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 information incorrect

Complaint:
Account number : XXXX with credit card that end in XXXX has been paid with a {$0.00} balance but it is reflecting an incorrect balance on 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 2019-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I noticed this account on my credit report. It is not mine

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 2018-01-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
A XXXX XXXX XXXX called me to tell me I committed Check Fraud and threatened to take me to Jail. Says that Chase is suing me because a {$200.00} loan that I took online went into collections and they had to pay for it. Says I would be taken to jail and I would have no bond and I wouldn't be able to speak with my family.She sounded professional enough, saying that I would have a police officer visit my home, and I better have two forms of Identification, along with other nonsense. FOR XXXX DOLLARS. Called my brother, whom he she said was my dad and called me by a name I don't even go by. Will be calling Chase directly to get this solved. Spoke with my lawyer he says he will resolve this issue. 

Name of her " Firm '' : XXXX XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
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: Investigation took more than 30 days

Complaint:
Company verified they received my later on XXXX. Since that time I have phoned several times in regards to XXXX XXXX   accounts. As of yet the company has yet to validate the information on my Credit Report. Per The 15 U.S. Code 1681g - I sent a certified letter to this company requesting information in my record be disclosed to me. It has been over 45 days and I have yet to get a response from this company validating what is on file within the company records. That being true the company must remove matters not validated including inquires and debts. 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe the consumer must remove. I also spoke to a manager who was unable to provide any contract that was signed by me. 8.15.17 The Manager SPAR states the company does not have this information in there records, the manager requested I  contact the company for information that should be stored within the company records. The manage told me it is all handled electronically and they do not have any of that information on file. THIS is a direct violation 15 U.S. Code 1681g mentioned Code for inquires and information on my report. American Jurisprudence 73 AM Our 2d.Section 90-93 companies can't subrogate onto a contract. Please provide a signed contact between the company reported and myself when unable to submit such documents the information must be  removed, this is no contract between the companies and myself.

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 2020-12-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Well I checked my report and figured out inquiries that are not mine. Its a mistake and inquiries that are not mine appeared in my credit report. Also in some bureaus I do not see them and some report inaccurate information. How that possible that some bureaus reporting wrong information? I believe I am a victim of identity theft otherwise I can not understand and I do not recognize these inquiries. Please remove these inquiries because I am not connected to the them absolute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
Money was send to me from XXXX XXXX for a car he brought from me I did not know I had my Venmo card link to my account so when XXXX XXXX send me the money it when into Venmo account I try to transfer the money out Venmo to my bank account. This is when Venmo close my account and send me a email telling me do not Contact them anymore. I called over 20 times with all the calls being recorded. They give you a different reference number Every time you call in this company is so scamming people. With they fine Print. 
They said that I have violated Venmo rules but Ive never seen Venmo rules. I would like for something to be done about this company. They have thousands of Complaints about them taking peoples money hard earned money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Credit Solutions, LLC (KY)
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXXXXXX To hear a video about this complaint, please use the XXXX link provided above. 
On or about XX/XX/2022 ( Date may not be actually correct ) I spoke with a Rep from Credit Solutions of XXXX, KY. At that time I told them that I would begin making payments on my XXXX  XXXX XXXX bill in a matter of days, but I failed to do that and was only a very short period of time late when I learned from my bank that Credit Solutions had taken XXXX out of my bank account without my permission. If I was going to allow such I would not have stated that I would pay them on a certain day. I have no idea how this company got my bank account info as I NEVER give such out. On the telephone, I was told by a Rep that I had given them the right by video to take money out of my account and this is TOTALLY incorrect! I was told by the Rep that she would play the video for me to hear myself giving the permission which I knew she could not present as there would no such tape recording. She even asked me " How did we get the bank account number if you did not give it to us ''? I replied " I have no idea HOW you got it, all I know is that I did not give it to you, thus you did something wrong to get it somehow ''. When she returned to the phone she had no tape recording to play but as I kept asking for her to play that of which she claimed she had possession of but as an argument continued she finally bowed out not having a tape to play at all. Days after this I learned that the bank had replaced the money, informing me that they had put the money back in the account while the investigation continued. Today, XX/XX/2022, I spoke with a Rep. from Credit Solutions who told me that in order for them to take money out of a bank account, there would be a series of things that had to be done and I would have had to give permission. I kept asking how where they able to get my account numbers without me giving them to them and without giving ANY permission at all and she would not explain. She informed me that it was Credit Solutions that had put the money back into my account but prior to this the bank informed me that it was the bank that had put the money back into my account. If I had given permission for it to be taken out then they would not have replaced it because they would have had the permission to have taken it. It sounds to me like an inside job with the bank but then again, I have no idea how Credit Solutions even knew who I banked with. I would like an investigation also to know what steps they took to receive access to my bank. I do have the copies of documents in regards to this complaint but they are not in my possession at this time. I would love the opportunity to send them later, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I can not tell what kind of debt they are trying to collect on though they did mention a student loan debt. I have no debts to be collected. They are calling my work sometimes 2x a day. I am not answering or responding to their calls. I have looked the number up and they are listed as a scam number. The number they are calling from is XXXX. It is always a live person that leaves the message. I have since registered my work phone number with the do not call list. In that instance, I have to wait for 31 days to be able to report them. I want this stopped immediately. Please advise. Thank you.

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 2019-07-02
Company: Coinbase, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX at about XXXX MST there was unauthorized access to my Coinbase account. 2 factor authentication failed for some reason and over {$12000.00} was stolen from my account. They did this by buying bitcoin then sending it to an unregistered wallet. They then attempted to increase account limits, and obscure the theft by transferring {$12000.00} from my checking account. My bank is aware and blocked the transaction. 

I contacted the company but they have not indicated that they will assist me, and I am currently locked out of my account- they will not grant access.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: Carter-Young, 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:
Carter - Young Inc. was informed several months ago that their client was reporting this little XXXX {$53.00} erroneously, Im a service connected XXXX XXXX XXXX Veteran, and Im a Social Security XXXX Beneficiary, Ive Awesome health Coverage, I have XXXX XXXX & the XXXX XXXX XXXX Coverage. Carter-Young Inc client XXXX XXXX never XXXX filed for Secondary Insurer, the XXXX  XXXX XXXX plan was never filed by their Ignorant client, XXXX  XXXX! Instruct Carter-Young Inc, remove this XXXX, and remove it now, Im covered @ 100 %, No XXXX Co-pays, No Co-Insurance & No deductibles period!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: Experian Information Solutions Inc.
State: NC
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:
My account balances are not reporting correctly on a few of my accounts in 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 non-monetary relief