BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$1200.00} XXXXXXXX XXXX XXXXXXXX {$140.00} XXXX   XXXX {$760.00} XXXX XXXX XXXX {$190.00}

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 2020-11-13
Company: Experian Information Solutions 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 am a victim of identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) Block the Information Resulting from Identity Theft. The accounts do not belong to me. I am writing to request that you block the following fraudulent accounts from my credit report immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2020 I made a payment in the amount of {$560.00}, through online banking, designated as the P & I monthly payment for XX/XX/2020 in the amount of {$430.00} and {$120.00} additional principal payment. These funds were misapplied as {$560.00} to principal curtailment. 
The first week of XXXX I emailed the mortgage lender to correct the payment, no response. 
XX/XX/2020 I had to hold for XXXX hour and XXXX minutes to speak to an associate on their customer service line, the representative had me on hold another XXXX minutes, in total over a XXXX hour phone call. I asked if they had done the reversal themselves versus opening a task for it to be done and they lied and told me that they had since it had been a XXXX minute hold for them to do it. They advised it would be correct within XXXX business days. 
I emailed again when this wasn't complete and received the below response on XX/XX/2020 : We received your inquiry pertaining to the principal payment applied on XX/XX/2020 in the amount of {$430.00}, intended to be applied to the XX/XX/2020 payment. We are in the process of obtaining additional information to address your service request number XXXX, which was submitted on XX/XX/2020. We appreciate your patience while additional information is gathered to further research your request and apologize for any inconvenience this delay may have caused. 
I called back again the last week of XXXX and held for 45 minutes to speak to a representative, I spoke with a male from Connecticut he told me it would be done in another XXXX business days. 
I called back again in the beginning of XXXX when this wasn't complete waited over half an hour got a rep XXXX on the line asked to speak with someone who could reverse and reapply the funds Panill id XXXX drop transferred me back into the main queue where I held another XXXX mins talking to XXXX XXXX who could not process the request and then I escalated to a XXXX XXXX XXXX XXXX who said he would escalate this as the task opened on XX/XX/2020 was supposed to be completed within 30 days and it was now past that time from. I waited another week and through online banking i can see the funds I sent were reversed on XXXX but still have not been reapplied to the XXXX payment, they have been sitting in unapplied / suspense since XXXX. I left XXXX a voicemail friday XXXX he never returned the call, I left another voicemail Tuesday morning XX/XX/2020, no response. Funds are still not applied. I have never paid my mortgage in the XXXX plus years past the XXXX of the month and I also can not make my XXXX payment until these funds are properly applied.

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 2018-08-07
Company: Team Recovery Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Failed to list itemized debts in writing. on XX/XX/2018, called the company and didn't get an answer. I would like this removed from my credit report. The company is getting paid as agreed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: EQUIFAX, INC.
State: LA
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:
Greeting, In XX/XX/2018, I received verified dispute results from Equifax, XXXX, and XXXX. According to the FCRA my rights has been violated. I asked all the companies to show how the account was verified, to send a copy of the original contract, and the payment history of the account. All failed to provide me proof and is still reporting negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-18
Company: Medical Society Business Services, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a complaint from XXXX XXXX against XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX failure to provide requested information for the debt alleged. XXXX XXXX XXXX XXXX has been reporting on Consumers credit report and attempting to collect for a debt that the consumer does not recognize. On XX/XX/18, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ;  b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
XXXX XXXX XXXX XXXX responded on XX/XX/18 with a request for a medical authorization. This was provided on XX/XX/18, again with a request for the above information. It has been almost three months since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-18
Company: Navient Solutions, LLC.
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
For more than 10 years I was told by my servicer ( Navient / XXXX  ) that my loans did not qualify for income-based repayment options. That my only options were deferment, interest-only payments or income sensitive repayment. Only when I contacted the Department of Education directly after a third party student loan guarantor heard my information and directed me to them by passing trying to sell me their service because they knew what I was being told was fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I used the Coinbase app to invest in bitcoin, litecoin, and etherium XX/XX/2017 after some months of it sit I decided to withdraw the majority of it. I had {$5000.00} in bitcoin, {$100.00} in litecoin, and  {$120.00} in etherium. I withdrew {$4000.00} from bitcoin but after that my spending limit was at its ends. I then completed the ID verification which said it was going to increase my spending limit and although it may have, I then ran into the issue of not being able to indetify myself no matter how correct I was with my information it just always says Verification Failed I have dmd them on XXXX multiple times and emailed them and when I call an actual person never answers the phone its always a machine with the same problems and useless solutions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: Experian Information Solutions Inc.
State: NJ
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, oh XXXX XXXX {$3900.00} Open XX/XX/XXXX Reported XX/XX/XXXX This is all negative info that am not obligated for, due to my contract of completion of the school. I did not resign for the loan next term. So therefore we have to contract in wet ink on paper.

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 2018-12-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 applied and received a XXXX XXXX card from Capital One, I made my first payment of XXXX early so I didnt have to wait for the auto pay to kick in, but as it happened auto pay took out another XXXX Capital One refunded it on XX/XX/XXXX but then turned around and took it out again, I contacted them on this, they ask me to fax the info from my bank to them, I did so, they claim they didnt get it then they said they did and I would would receive a refund no later than Tuesday XX/XX/XXXX, thats today and no refund, so I contacted them again today they claim they never received it ( sure they did'nt ) so they gave me a link to e-mail it to them, i did so, they I contacted them and wouldn't you know it! they still havent received it. 
This is fraud!! CFPB I need you to investigate this and fine Cap One {>= $1,000,000} also i am reporting this to my attorney as well as the Texas Attorney Generals office for investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Applied for a Kohl 's store card around mid XXXX of XXXX, I never received a bill, I never received the physical card ( still to this day did not receive a card ) and the first phone call I received was months later & it was a call to say I was being sent to collections. I paid the balance in full over the phone during this call on XX/XX/XXXX in the amount of {$160.00} which covered the amount owed and the late fee/charges. It was such a small balance, obviously I wasn't try to skip out on the bill I simply never received anything about it and after a month of waiting and assuming I would receive a bill when it was due it slipped my mind. I tried to resolve this through Kohl 's and the customer representatives were extremely rude and unhelpful. After over a month from the first call ( XX/XX/XXXX ) when I realized this was on my credit, I received a letter from Kohl 's saying the information was accurate and they would not remove it even though I never received anything from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-25
Company: Phoenix Financial Services LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I should not receive a bill from a debt collector on this account. I have been covered under Medicaid since 2018!! I have not received a letter from this agency to even be provided with a chance to dispute this account. This is now on my credit and if it is not removed immediately, I will seek litigation against this third party company as well as the physician 's group!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation.

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The XXXX XXXX XXXX Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

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 2021-06-08
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:
XXXX, TransUnion, and XXXX  have violated the United States Code 1681g - Disclosures to Consumers and United States Code 1681b ( 2 ) Permissible Purpose of Report. This is in violation of the FCRA. 

XXXX, TransUnion, and XXXX  are reporting a XXXX XXXX XXXX, XXXX account on my consumer report, account number XXXX. XXXX XXXX has violated the FDCPA section 809 15 U.S.C. 1692g validation of debts. I sent XXXX XXXX a Validation letter XX/XX/2021. They have yet provided me with any validation of the debt as required under FDCPA section 809. This debt is deficient of Physical verifiable Validation. I never gave XXXX, TransUnion, and XXXX  any written instruction nor permission to report the account on my consumer report. Per FCRA section 604 15 U.S.C. 1681b ( 2 ) clearly states any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with written instructions of the consumer to whom it relates. I never gave XXXX, TransUnion, and XXXX  any written instructions to report this account. XXXX, TransUnion, and XXXX  have not sent me any contract between them and I which gives them permission to furnish my consumer report. This can be considered IDENTITY THEFT. XXXX, TransUnion, and XXXX  keeps reporting this account as verified but has yet to send me any verifiable proof on how this account is verified. They have not sent me anything as required per FCRA section 609 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681g -Disclosure to Consumer. They are required by federal law to verify through the physical verification of the original signed consumer contract, any and all accounts that they post on a consumer report. Otherwise anyone paying for XXXX, TransUnion, and XXXX  reporting services could fax, mail, or email in a fraudulent account. FCRA section 611 gives me the right to request an explanation of the verification method used by consumer reporting agencies. XXXX, TransUnion, and XXXX  have not sent me the documentation used to verify the dispute. Under the FACTA SEC 312 ( b ) and ( c ) I request a copy of the records. If this account is not removed immediately I will seek monetary damages under the FCRA section 616 and 617 for willful and negligent noncompliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: EQUIFAX, INC.
State: IA
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 declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621.

The payment history on this account XXXX is completely inaccurate. Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Experian Information Solutions 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: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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 2021-07-15
Company: WELLS FARGO & COMPANY
State: NY
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 have been requesting a check for the negative account balance of my {$3400.00}. Wells Fargo has been telling me they would send the check within a maximum of 30 days, for my account which has a negative balance. I made the request for the check on XX/XX/2021. Customer service has lied multiple times and said the check would be sent within 30 days and it has still not been sent.

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 2018-07-04
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
MONEYGRAM IS FAILING TO REFUND FRAUD INDUCED MONEY TRANSFERS FROM XX/XX/XXXX-XX/XX/XXXX TOTALING {$47.00}, XXXX PLUS {$15.00}, XXXX FOR A GRAND TOTAL OF {$62.00}, XXXX.

Company response to consumer: Closed with explanation