BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Good Morning ; Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 

Continues to report the wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I applied for the discover card XX/XX/XXXX got call from company female asking for further info she told me that I was approved XX/XX/XXXX yet? when I tried to Activate the card that had arrived on the XX/XX/XXXX I could'nt so I waited tell I could call back on a business day which was XX/XX/2023. I was shifted to three different departments only to be told some one call and deemed my info fraudulent there for cancelling my account when I tried to reapply. they claimed that they had know knowledge of my account? though I was issued a card that I can verify with the Accounts numbers. I feel that I was done terribly wrong!. This is my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
Company: College Ave Student Loan Servicing, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/2023 a fraud credit inquiry that I did not do at all I did not nor have I applied for student loan through this company suspected fraud- personal identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Convergent Resources, 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:
I was on my XXXX credit file then I saw that my credit had decreased from a XXXX to XXXX so immediately i called XXXX an spoke with somebody and they said that I had a negative report on my account. I asked where is that coming from and they said from Convergent Outsourcing Inc then i immediately hung up and contacted Convergent Outsourcing Inc on XX/XX/XXXX. The amount was {$680.00} and they said it was from XXXX XXXX XXXX and They offered me to pay {$250.00} and said it would be marked as paid in full and removed from my credit. I also requested for proof of the receipt that said it would be marked paid in full, when I didnt get the receipt I made another call to them and they sent me the receipt which is attached. I disputed it with XXXX about 2-3 times already then XXXX was twlling me that the account is valid and I never made any payment. Convergent Outsourcing also said I never made a payment so I contacted them again and asked what are they talking about and they asked me to send proof to them which I emailed to them. They still told me they never received my payment and I was going back and forth with them and XXXX. XXXX took my dispute and as of today XX/XX/2023 its still coming back as the account is valid and i never made any payment.

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 2021-01-25
Company: Fidelity National Information Services, Inc. (FNIS)
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 am submitting a complaint against Chex Systems Inc., regarding an erroneous report being made by XXXX XXXX XXXX XXXX and an account they are claiming I opened, which I did NOT ooen. For in excess of three months I have requested verification of the debt, specific documents related to the date, the time and date the account was opened, the identifying documents used to open the account, proof that I authorized the account to be opened and any and all contracts or agreements regarding or related to the account. Despite a plethora of requests under Section 609, 611 FCRA, XXXX XXXX XXXX XXXX continues to verify the information as accurate without completing or doing any sort of reasonable investigation and or not complying with Section 609, 611 FCRA. Chex Systems Inc., as furnisher of the derogatory information is required to ensure certain aspects of The Fair Credit Reporting Act are followed ; to date none of the requirements of The Fair Credit Reporting Act have been followed by the furnisher, Chex Systems Inc., as I have not received ONE piece of information from XXXX XXXX XXXX XXXX regarding this disputed item. Chex Systems Inc., is in violation of The Fair Credit Reporting Act by continuing to furnish information that is disputed and not requiring XXXX XXXX XXXX XXXX to comply with The Fair Credit Reporting Act Section 609, 611. I now submit a complaint requesting adherence to the furnisher, Chex Systems Inc., under Section 623 FCRA and request that this be followed pursuant to 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 explanation
Consumer complaint received 2023-02-27
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I open a digitalwallet with Coinbase.com I tarnsfered some of my cryto toth wallet as suggested by Coinbase. I bought a new cell phone and my saved info was lost to sign onto the Coinbase XXXX account. So i went onto th site and it asked me to sign in with a 12 word sign info supposedly given to me when i open the wallet account, NO SUCH 12 words were ever given to me! I asked the company through CHAT and i was told too bad, if i lose my 12 word info i can't get into my account, EVER! LOST my money! I'm a senior citizen on a fixed income with XXXX n i need my money!!! Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: Nelson Cruz & Associates LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a call from a debt agency called XXXX XXXX and XXXX based in XXXX Texas. The debt collection agency stated that they will garnish my wages for a debt over XXXX XXXX XXXX. A vehicle that was repossessed 10 years ago. The number that called me is XXXX which is from XXXX New Jersey. The person told me I will be arrested if debt not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: SUNRISE CREDIT SERVICES, INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a Victim of Identity Theft. I Recently received a copy of my credit report and learned that my personal information is being used in attempt to collect a debt from a company called SUNRISE CREDIT SERVICE which I did not open any account or have any knowledge of this company and why are they trying to collect a debt which I do not owe or have knowledge of. I am Disputing this collection of debt and requesting validation of the debt the company says I owe. I am requesting proof that i am indeed the party the company is asking to pay this debt and there is some contractual obligation that is binding me to pay this debt. Until the debt have been verified I am requesting that this debt collection and information be removed 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 2022-02-16
Company: Payward Ventures Inc. dba Kraken
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX and XXXX ( the Scammers ) DBA : XXXX XXXX XXXX ( the Scam Company ), all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of XXXX USD was transferred from my wallet utilizing XXXX services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
In 2002 I took out a loan with XXXX XXXX XXXX. During that time I paid the loan off I moved a few times. I never received my boat title. 
XXXX XXXX XXXX  in Texas has been sold out to Capital One. I do not know my account information and only have a non-negotiable Texas Certificate Of Title and paper work from where I bought the boat. 
I've been to XXXX  XXXX XXXX  XXXX and it still shows a lien on the boat. I have reached out to Capital One three times and have had no luck. 
I have given them my name, SS #, date of birth and even with that, they have not given me any information. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband and I were in a financial crisis. so we hired an attorney to help us not to lose our home... this went on for a while. payments were being made by the trustee.. bankruptcy was dismissed and so I tried to get loan modifications to get current with our mortgage or loan extensions, anything to help us keep our home. I submitted all documentation that they required. but no luck.. they kept denying my loan modifications.. couldnt never get the right person on the phone to help. Not even our attorney did anything to stop the foreclosure. keep in mind we were still in bankruptcy...

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 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries not attached to accounts 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 non-monetary relief
Consumer complaint received 2020-09-21
Company: HYUNDAI CAPITAL AMERICA
State: IL
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:
I am in complete disbelief to even be filing this complaint I opened up a joint account with Hyundai motor finance and trusted them as a premium lender for financing purposes my car was in a collision and my insurance company completely paid off the car prior to that all payments were successfully made I recently spoke to a manager who informed me that when my XXXX payment was made for {$600.00} Instead of Hyundai motor finance applying the payment to my account they applied a {$570.00} payment of the {$600.00} I sent them for a payment to something other than my account for a outstanding balance in which I have no knowledge of and then posted {$28.00} to my payment for XXXX Im completely lost as to why they would do that if I gave you {$600.00} to post the payment you do not have the legal right to post it elsewhere. As a young college XXXX  I have been negatively affect and impacted by this Hyundai motor finance has brought my credit score down by 50 points. On my XXXX XXXX credit report they are showing a balance of {$15000.00} and a missed payment for XX/XX/2020 On my XXXX   credit report They are showing the balance of {$14000.00} with the payment missed in may This is complete and inaccurate information this is a form of deformation of character and intentional infliction of emotional distress and I am in tears typing this. Hyundai motor finance is in direct opposition of following the fair credit reporting act that states all information provided to the credit bureaus must be 100 % accurate and in this case it is not. Hyundai motor finance Has caused me great emotional and mental harm and I am currently suffering from the psychological defects of the unprofessional negligent Demoralizing behavior in which I have been treated. There are tons of car companies to choose from and I put my trust and support in Hyundai financing hands and this is how they treated me.

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 2023-06-19
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control. I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.

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 2020-09-21
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I filed a dispute for money that was taken out of my account when I was XXXX and provided proof that I was XXXX and the bank keeps denying my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had submitted a dispute with Bank of America back in early XX/XX/2020 for a transaction totaling {$1500.00}. I further had to call in and correct the dispute because Bank of America filed it incorrectly and they said I was not protected under regulation e. So after revising the dispute the agent told me I was protected under reg e and I should recieve a temporary credit in ten day. Fast forward to today. I just called Bank of America because the credit was not issued. After speaking with multiple agents I was told I was not covered u see regualation e because aparantly this merchant does not offer temporary credits but I dont believe that is true because regulation e protects consumers for this exact problem regardless of who the merchant is. I have not been able to come to an agreement with Bofa regarding this matter and I believe they are in direct violation of regulation e and I have evidence and proof to back that up. I do believe they should incur some sort of fine or penalty because they are violating regulation e. And this has caused me to take time away from my business directly causing more financial burden. Let me know if you have any questions. You can reach me at 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 explanation
Consumer complaint received 2022-02-16
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX refuses to remove an unauthorized inquiry from XXXX Bank XXXX refuses to correct my name legally despite being sent a copy of my drivers license 6 times. I don't have variations. I have 1 name. 

Their internet document upload does not work They ignore my certified letters 6 of them. 

Equifax refuses to remove an unauthorized inquiry from XXXX XXXX XXXX. I called the company 3 times and they have no record of any application or Equifax contacting them. Equifax refuses to remove with a FTC report. I provided a previous FTC no but that's not good enough

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX is misusing my credit information. He works for Experian he is not allowing me to speak with a manager. He is refusing to allow me to speak with the manager. He is providing my information to third parties.

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 2021-01-25
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
So someone reached out to me on XXXX. She gave proof of peoples accounts and how she was willing to give money back if there was a down payment. 

After a week she kept responding and messaging and proving that it wasnt a scam. On Friday, the XXXX I did a XXXX transaction of {$2000.00}. And then Saturday morning, the XXXX, I did another XXXX transaction of {$1500.00}. The girl then said a check would be deposited of {$36000.00} into my account. By Saturday night, it never came thru. 

Her name was XXXX XXXX  on XXXX. She was some car insurance provider and talked about how she has extra car insurance vouchers and was giving it out monthly. 

Please help me with this situation, she literally took all of my savings and my money I was supposed to send to my mom bi-weekly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: Paypal Holdings, Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
My fianc sent me money via vemno and then i got an email alert advising my account had been frozen. I reached out to venmo after submitting my drivers license to inquire on why i had a frozen account. The reps could only tell me that the team who handles my request will get back to me within 5-7 days and close out my chat. despite a number of contacts trying to get information on who to speak to or what is going on. no one will provide me with anything. my fianc has validated the funds and her identity with the company and so have i. yet i still keep getting the run around. All i keep being told is that someone will reach out in 7 business days or 10- business days. they will not produce a reason for the funds being held even though they were ACH and already drafted from the senders account. They will not give me any advice on when the funds will be ready for use either. This is unacceptable and deceptive and very very unfair practices to consumers. We should be given notice if funds are being held and notice as to why. Along with how long the funds will be held. I want the funds released for use or returned to the sender immediately. 

funds transfer XX/XX/2020 XXXX am I made contact with them immediately 7 times and each time i am told someone will get back to me without any additional details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Problem with personal statement of dispute

Complaint:
Spoke with Creditor who verified accounts were  not mine and would be removed. Transunion is still reporting these accounts  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 explanation