BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-21
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
New account was placed on my credit report in XX/XX/XXXX by Commonwealth Financial Services. I noticed the account and sent the company a certified letter on XX/XX/XXXX requesting information about the debt. It was signed for on XX/XX/XXXX. I never received anything from them. On XX/XX/XXXX, I disputed the debt with XXXX   as no knowledge of the debt and it came back as verified on XX/XX/XXXX. On XX/XX/XXXX, the account was closed on my credit report, but still had a balance of {$1700.00} and I filed a complaint with the XXXX  that day. Today, I received an alert that a new collection account would be going on my credit report under the name XXXX. I looked up the account and discovered that it is XXXX XXXX XXXX. I don't even know this debt is for and the company has failed to provide me with any information before or after they placed collection accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Notified the debt collector that the debt was not mine and asked that it be removed from my report XX/XX/2017

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 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Intent to file suit : violation of the FCRA Notice XXXX XXXX : XXXX am making this document on my only accord and will, no third party was used to make this notice. I have filed multiple CFPB COMPLAINTS this year about the organization named Transunion, XXXX, and XXXX, plus I sent previous letters, all by certified mail requesting that they stop furnishing inaccurate information on my consumer credit report and they have failed to do so. Exhibit A is attached, I can show a judge that these accounts are STILL inaccurate after 9 months of sending letters and filing complaints and that you violated the Fair Credit Reporting Act.

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 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have submitted several disputes to reporting agencies and i have not been receiving the proper treatment at all. When i call they hang up on me or refuse to send me to the right department to resolve my credit reporting issues

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 2021-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
The following hard inquiry or inquires listed on my credit report ( s ) were not authorized : XXXX  - Capital One Auto Finance XX/XX/2020 XXXX  - Capital One XX/XX/2020 XXXX  - Capital One Auto Finance XX/XX/2020 In addition, there is a duplicate inquiry from Capital One Auto Finance on XX/XX/2020 listed on my XXXX  credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Chime Financial Inc
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I attempted to withdrawal money from and XXXX ATM in XXXX, CO. Cash never dispensed from the ATM, and it flashed to Out of Service immediately after. I contacted the ATM company who reviewed the transaction, agreed it was bad, and provided me with Case ID for my bank to see. I have not been given a Regulation E provisional credit and its been almost 2 weeks now. The customer service email will send me the same generic email response to everything I ask. The customer service over the phone was giggling and laughing the whole time and only would repeat the same information as the email. My bank is saying they need 45 days to investigate, although the merchant has already cleared the return and provided a case ID to reference against. I can not get any help at all. The bank is Chime, under XXXX XXXXXXXX XXXX  and XXXX. This has prevented me from paying bills and buying food, and its terribly inconvenient.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: EQUIFAX, INC.
State: MN
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:
I reached out to the creditor to dispute incorrect information and they claim they can't verify this account since the account is with a third party. This is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: MRS BPO, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2019 I switched my cell phone service from XXXX ( account # XXXX invoice # XXXX ) to XXXX XXXX XXXX. I cancelled my XXXX service on that day. I received an additional bill on about XX/XX/2019. I called ( XXXX ) XXXX ) and discussed the bill with a XXXX representative on that day at XXXX XXXX.. He told me that this bill was for the entire next billing period and since I did not have the service for the entire month a final pro-rated bill would be sent. I waited for the final pro rated bill however on XX/XX/2019 at XXXX XXXX. a representative from MRS collections called and insisted that I pay the bill in full immediately. I told her that I would pay the entire {$77.00} through my bill-pay as I have for the past 20 years that I have been with XXXX. She said that I owed this full amount so I sent the payment for {$77.00} through my XXXX XXXX bill pay on that day ( XX/XX/2019 ). She said this would settle the matter and I would not be contacted again. On XX/XX/2019 my wife received a call on her cell phone ( XXXX ) XXXX from another collections agent at MRS Collections at XXXX XXXX. and once again I was told that this payment must be made right away. I informed this agent that this matter was settled on XX/XX/2019 and the full payment had been made. The MRS representative insisted that I must prove that this was settled. I asked that I not be contacted by phone by MRS Collections again. She agreed however on XX/XX/2019 at XXXX XXXX., once again I was contacted by phone by a representative of MSR Collections insisting that I owed this XXXX bill. I informed her that this bill was paid and I had requested not to be contacted twice before regarding this issue and she acknowledged that I had requested not to be contacted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: BB&T CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I am a XXXX-year-old widowed senior citizen who has been racially discriminated and scammed by XXXX XXXX. In the presence of my son who is my durable power of attorney was there to witness all of it, it started with the dealer demanding that I give them a {$500.00} deposit for the vehicle when I was already approved to purchase it by XXXX XXXX XXXX also including numerous unauthorized pulls of my credit report numerous times causing an extreme hit to my credit score. They also decided to use a lender of their own without my knowledge or approval. I took delivery of the car onto XX/XX/2019 in which the car m possession for approximately two weeks when all of a sudden I started receiving threatening phone calls from the dealership demanding I return the vehicle immediately or they were going to call the police on a XXXX-year-old woman and have me arrested for theft of a vehicle that I was already approved to purchase by XXXX XXXX XXXX on XX/XX/2019. Per the finance company they use, I did not qualify for the purchase of the vehicle due to the fact that when they called me for more of my personal information. I dont talk to anyone or give out any personal information or make any financial decisions without my son who is my durable power of attorney. I had already given the information at the dealership I advise them that my son has my durable power of attorney and in order for me to discuss personal information over the phone I had to have him present being that as I said before I am a XXXX-year-old widowed senior citizen who does not make any financial decisions without him because of such I was told because of this fact the lending company would not be able to finance me after having possession of the vehicle for over two weeks. I have called and I have made a corporate complaint with XXXX XXXX. I have tried to make contact with the dealership. Ive left several messages and they refused to return my phone calls. I feel that I was Taken for {$500.00} plus my credit ruined by XXXX XXXX. I was forced to buy another car and give another {$500.00} deposit at a subprime rate after losing my money and the car that I initially wanted and was approved to purchase.

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 2018-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
You have failed to establish that the information you are reporting is accurate. Instead, you merely provided an entry from a computer screen that, for all intents and purposes, proves nothing. I suggest you carefully review the Fair Credit Billing Act ( FCBA, Title 15 U.S.C. 1601 et. seq. ) before proceeding any further.

To summarize, the FCBA ( see 15 U.S.C. 1666 ) requires that you establish the following : No unauthorized charges occurred.

Charges do not list the wrong date or amount ; There were no charges for goods and services that I didn't accept or weren't delivered as agreed ; You did not make any math errors ; You did not fail to post payments and other credits, such as returns ; You did not fail to send bills to my current address ; Charges for which I asked for an explanation of written proof of purchase along with a claimed error or request for clarification Your next letter must fully establish that the information you are reporting to the credit reporting agencies is accurate.

As required under 1666 of the FCBA, I expect final resolution of this matter within 30 ( THIRTY ) days and look forward to receiving written confirmation of receipt of this demand as well as a  detailed description of all actions you have undertaken in acting on this request. 
Sincerely,

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 2019-06-05
Company: Machol & Johannes, LLC
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
as i cosigner on my daughters student loans, i have attempted to contact the service co. regarding a payoff and more recently after reading through the CFPB website, sent a request for release of the loan. my reasoning is i have retired and have significantly less income and my daughter has ( 1 ) been making payments and, ( 2 ) has been gainfully employed since she completed her residency. 
as seems to be the normal for this firm, i have not gotten a response. i sent the letter XX/XX/XXXX via email. i used a template from the CFPB site which requests a response whether accepted or not. it is courtesy to respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: SUNTRUST BANKS, 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 status incorrect

Complaint:
Contributor : SUNTRUST BANK Contribution Ref # ending in : XXXX Incident Date : XX/XX/2017 Principal Loss : {$0.00} Contribution Reason : Checking Account Fraud The issue concerns the fact that SunTrust bank has incorrectly classified my account as fraud. I have not committed fraud in any manner. I have not submitted bad checks or performed any other type of activity that would constitute checking account fraud. I have contacted the EWS agency and they have viewed the information. However, I have not received any response. The incident date is incorrect because the incident never occurred. 



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 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXXXXXXXX**** XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-12
Company: Capital Financial Group, LLC of Illinois
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/XXXX I was contacted by a man name XXXX XXXX  from XXXX Capital Finance. He advised me that I qualified for a loan of XXXX with 4 % interest with a monthly payment of XXXX starting on XX/XX/XXXX. He said I will deposit some money in your account to show good faith and verification of your identity. He then proceeded to tell me I would need to purchase XXXX XXXX gift card. Totally XXXX funds they put in my account. He asked me to read the card number and pin. And then told me the money would be in my account within 30 minutes. Which it was not. He said because the banks were closed it would be deposited tomorrow. No money was deposit now I owe XXXX to my bank. Im requesting the return of the XXXX to pay the bank

Company response to consumer: Untimely response
Consumer complaint received 2019-09-12
Company: SYNCHRONY FINANCIAL
State: MD
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:
Credit card with WalMart said was not paid but closed. This card I am paying {$100.00} to XXXX for 48 months and it will be paid. I feel this was paid to WalMart by XXXX in full. 
So I am paying the full amount of {$4800.00}. Contact me with your answer.

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 2022-11-21
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The Fraudulent item was with XXXX mobile provider services. I never had them as a carrier. I have XXXX XXXX However, I noticed on my credit report the fraud and I addressed the item. The item was with XXXX XXXX XXXX. In which I disputed and the item was removed. Therefore, how is XXXX able to then utilize credence resource mgmt collection and have a removed item placed back on my credit. In compliance with the FCRA that's ILLEGAL!!!!!. The item was removed and should not reappear again. So in high insight in compliance with the FCRA I would truly appreciate this account be deleted from my report to never appear again. 

XXXX XXXX Acct # XXXX XXXX ref id # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I " invested '' {$7600.00} in XXXX, XXXX XXXX. My " investment '' went up to {$13000.00} On this date I tried to withdraw {$8000.00}. 
They required me to deposit {$2200.00} to cover taxes. 
" The tax needs to be paid by the user separately and can not be deducted from the account balance. '' " Since user funds are stored in the block chain we have no right to deduct any fundfs from users, so you need to pay sepqarately and the tax is a system audit. You need to pay taxes before withdrawing money back to your wallet. '' " Due to the special nature of cryptocurrency, it is easy tfr users to use it for tax evasion, so the profits earned from trading on the exchange are collected by the exchange, and submitted to the IRS, and then a tax 1099 document is issued to the user. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
As of XX/XX/XXXX, PNC had withheld a check for no reason that i had deposited. The company regularly states that if a check is deposited, that the following day the funds will be available. I had deposited my check into my checking account on the XXXX between XXXX and XXXXXXXX XXXX. The brach is  PNC in XXXX Pa.. When i called to see why the funds were not available the next morning, the service department had stated that the bank the check was drawn from, had stated " the items would not be paid '' and that the funds were unavailable. When the funds were actually already transferred accordingly on time from the bank the check was drawn from. PNC is lying to customers, withholding funds, and telling lies of other companies that there checks are bouncing. this causes a financial hardship on the consumer and the companies that PNC has fraudulently lied about stating there checks are not good for cashing, and funds not available. The company also lied about having customers funds available the next day when that is not true. This had caused a financial hardship on myself from there lies and manipulation of customer funds. an investigation needs to be applied to this companies business practices as they are violating banking laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-11-21
Company: EQUIFAX, INC.
State: OK
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 was a victim of identity theft last year. There is a collection account showing on my credit profile under the name XXXXXXXX XXXX with account number XXXX. It says the original creditor was XXXX XXXX Bank. I have no knowledge of this account and it is NOT mine. I have filed the appropriate paperwork for the identity theft and I demand this account be removed ASAP!

Company response to consumer: Closed with explanation