BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Over the past year to no avail I have filed several complaints about the FACTS on my credit report.Under the " fair debt collection act '' I am entitled to proof that I owe the monies stated inaccurately on my TRANSUNION credit profile. It states that collectors must document a claim and Evidence that proves this claim. 
UNFAIR PRACTICES OF REPORTING AND ACCEPTING THIS INFORMATION IS REFLECTED WHEN THE INFORMATION THAT IS PROVIDED ON MY TRANSUNION REPORT IS INCOMPLETE, DOES NOT PROVIDE A COMPLETE HISTORY OF PAYMENTS. 
35 % OF MY CREDIT WORTHYNESS IS DEPENDENT UPON THIS HISTORY AND THE ACCURACY IN WHICH IT IS REPORTED, THAT IS, THE SOURCES THAT PROVIDE CREDIT INFORMATION ALSO PROVE THIS INFORMATION WITH PROPER DOCUMENTATION STATED IN '' THE FAIR CREDIT BILLING ACT ''. 
So, under the FAIR REPORTING ACT all information in my credit report, I ask this info be proven, with evidence or removed from my report to show a more complete history of the Facts of my standings.

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 2019-02-11
Company: EQUIFAX, INC.
State: NY
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 went to my bank to get a loan for XXXX school and was declined. I have been with XXXX XXXX for 10 years and they still denied me because of items on my credit that are not mine. Im asking that you remove those items. This is holding me up from getting a loan for school. XXXX XXXX, The XXXX XXXX XXXX XXXX, XXXX XXXX ( its two of those ), XXXX XXXX   and XXXX XXXX. I also saw some addresses that I have never lived at. My only address is XXXX XXXX XXXX, XXXX NY XXXX. Please also remove these addresses as they are not XXXX XXXX XXXX, XXXX , SC XXXXXXXX,XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX-XXXX,XXXX XXXX XXXX , XXXX, GA XXXX. There is also a bankruptcy showing on my credit and Im not sure how that is possible, I have never filed for bankruptcy. My family dont believe in unpaid debts. Please have this bankruptcy removed as well. I spoke with US Bankruptcy court and they do not show a record of bankruptcy under my social. The Bankruptcy attorney advised me to contact XXXX XXXX and they also verified that I do not have a bankruptcy. I'm doing this on my own behalf and need your assistance if possible. I have also contacted the police here in XXXX and the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 went to my bank to get a loan for XXXX school and was declined. I have been with XXXX XXXX for 10 years and they still denied me because of items on my credit that are not mine. Im asking that you remove those items. This is holding me up from getting a loan for school. XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX ( its two of those ), XXXX XXXX and XXXX XXXX. I also saw some addresses that I have never lived at. My only address is XXXX XXXX XXXX, XXXX NY XXXX. Please also remove these addresses as they are not mine:XXXX XXXX XXXX, XXXX , SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX , XXXX, GA XXXX. There is also a bankruptcy showing on my credit and Im not sure how that is possible, I have never filed for bankruptcy. My family dont believe in unpaid debts. Please have this bankruptcy removed as well. I spoke with US Bankruptcy court and they do not show a record of bankruptcy under my social. The Bankruptcy attorney advised me to contact XXXX   XXXX  and they also verified that I do not have a bankruptcy. I'm doing this on my own behalf and need your assistance if possible. I have also contacted the police here in XXXX and the FTC.

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 2021-09-09
Company: Experian Information Solutions 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:
3 accounts from XXXX XXXX XXXX is reporting missed payments and this account was never missed any payments. The account was consolidated over 7 years ago.

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 2018-03-28
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I wanted to withdraw {$110.00} from my usd wallet on Coinbase. They told me it would be in my bank account by XX/XX/XXXX but it wasn't there. That was my second attempt to withdraw the money and i still haven't been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2018-03-07
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX, XXXX has refused to validate the debt that they have stated that I owe. I deny that this is my debt and if it is my debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was ... established without my knowledge and I have no contractual agreement with XXXX XXXX XXXX XXXX . The lack of validation of any debt owed to them is in violation of 15 USC 1692 Sec.809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). Furthermore, XXXX XXXX XXXX XXXX is practicing UNJUST ENRICHMENT.

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 2021-08-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
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:
On XX/XX/2021 I received an alert that my credit score had changed. When I went to XXXX XXXX site I saw there was a hard inquiry on XX/XX/2021 from Citizens Bank, XXXX XXXX XXXX. XXXX, RI XXXX. I had not authorized such anything from Citizens and immediately called them. No one could help me and there was no information. I then went to XXXX  to dispute this but they said they could not make a change and that I would have to reach out to the FTC. That is why I have contacted you. My score dropped 3 points and this is unacceptable to me. Again, I did NOT authorize this hard inquiry and want it removed and also want to know how this happened. Thanks in advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
THIS ACCOUNT IS INVOLVED IN LITIGATION. I HAVE NOT BEEN SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE. ENGELHARDT v GRAVENS (mo) 281 SW 715,719. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THERFORE EXISTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
New Rez/Shell Point Mortgage incorrectly reported my mortgage as in forbearance to all relevant credit agencies. They are impacting my financial future because of this. 

I have asked them to remove it from the credit agency reporting and to provide me with a signed letter on their letterhead that states my mortgage was never in forbearance and was incorrectly reported as such. 

I have spent over 5 hours arguing with customs service reps and supervisors who tell me they have no access to email, put me on hold for countless amounts of time, send me to voicemail boxes that lead me to a dead end, explain to me what their system CAN NOT do. 

It is an abomination. I have paid my mortgage -- hundreds of thousands of dollars - on time every month for over 17 years. 

Best, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: Santander Consumer USA 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 status incorrect

Complaint:
A loan with Santander USA is a closed account, but it is still reporting months late, reporting it is a open account. It's a collection account, still showing pass due amount. Showing current dates that the account is active, but has been in collections for year 's. Contacted company and nothing happened. This should be removed from my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: ENCORE CAPITAL GROUP INC.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have tried several times to dispute the information on my credit report from this company. Through both the credit bureaus and directly from the company. I asked for a debt validation letter which they did not provide. They never sent me any initial letter showing that they are trying to collect on this debt. It just appeared on my credit report. Also it is my understanding that this company is not licensed in my state to collect debt in my state. This company has also had to pay millions of dollars in fines for illegal debt collecting practices and illegal credit reporting practices by violation the FCRA. 

two accounts {$790.00} {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-26
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CREDENCE RM is claiming that I owe them {$1200.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-11
Company: M&T BANK CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
M & T bank is rearranging and reordering when debits and credits hit my account so that they can charge exorbitant overdraft charges. They only stop when I complain, then a few months later, I notice them doing it again.

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 2018-02-21
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I originally filed bankruptcy in XXXX under chapter XXXX and discharged under chapter XXXX in XXXX. Bankruptcy law stipulates you can only file chapter XXXX in Wisconsin once every 8 years. Credit reporting is showing I filed and twice in the same year.

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 2021-09-09
Company: EQUIFAX, INC.
State: OH
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:
XXXX of XXXX I submitted a request to validate the information on my credit report and again in XXXX of XXXX. The accounts came back validated, however each credit bureau is reporting different information on the validated accounts and I requested the information be removed. I have 2 documented FCRA violations for each credit reporting agency and the creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX, TransUnion, and XXXX need to remove the collection account for XXXX XXXX XXXX. 

I have submitted a dispute on my credit file because this debt is not valid. The original creditor can not provide the fully executed contract and refuses to provide proof that they cancelled the account was cancelled by the business. 

This is a dispute that would need to be settled by the fact-finding process of the civil court system. It is not fair for the creditor and the credit bureaus to hold my credit report XXXX without sufficient evidence of this debt. The creditor did not allow me the process to dispute the debt by providing full documentation. 

Since the creditor is unable to provide a fully executed and valid contract, the file should be removed from my 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 2020-05-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On Saturday I deposited my irs returned through mobile app and it said funds will be available on XX/XX/XXXX so I made payments for my son school and other things. On XX/XX/XXXX I got email saying my check wasnt acepted and to go and deposit it in the branch so I did but when I checked the account I was negative {$1400.00} On Wednesday morning I noticed I had 8 overdrafts fees of {$35.00} taken away so I called and asked to talk to a manager they said there was no way they could help and didnt care where the check was coming from it couldve come from the president and she didnt care. I told her that were going through this pandemic and should be able to help us not destroy us. Im a single mother that with a lot sacrifices Im taking care of my parents and my son. Please if you could help 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 monetary relief
Consumer complaint received 2017-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This started with an email offering me a work from home job and they would supply the computer, printer and the software required. This person started sending me e-checks starting on XX/XX/XXXX. I was instructed to deposit these into my checking via scanning checks into my account. I was then instructed to wire different amounts to individuals who were " setting up the computer, purchasing software, etc ''. I received 5 electronic checks over the course of 6 days again depositing them into my checking. I saw that my bank did n't process them overnight so I was transferring money from my savings account into my checking so that my wire transfers would not cause an overdraft. I first called my bank on Wednesday, XX/XX/XXXX asking why the delay in cashing the checks I deposited and was told they have up to 5 days to process them. On Friday XX/XX/XXXXI called the bank again and they finally told me that the checks that I deposited were counterfeit. By then my savings was empty and so was my checking account. The bank never called me and I got a letter in the mail about one check being rejected and then on Monday XX/XX/XXXX I got a letter about another check being rejected. This was too late. I am broke. I went to the bank on XX/XX/XXXX and they said there is nothing they can do. I feel like the bank should have called me as soon as they noticed anything out of the norm with these checks.

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 2020-06-24
Company: Bread Financial Holdings, Inc.
State: SC
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 have a loan with XXXX. I have always made my payments on time. For some reason, I realized that there are multiple late payments on my credit report. As you can see, I have always had a stellar payment record with this company. I placed XXXX XXXX on my XXXX XXXX account and they were required to pay all billing while I was out on maternity leave for those 12 months. They failed me!! I tried contacting both XXXX XXXX, ALL THREE BUREAUS and XXXX with no successful resolution. There was definitely an error on their part. You guys are reporting late payments for all different months for each three credit bureaus which means it is INACCURATE and needs to be REMOVED IMMEDIATELY!!! You are trying to diminish my character and I am not happy about it! was never 30 days late XX/XX/XXXX, never 60 days late XX/XX/XXXX, never 30 days late XX/XX/XXXX, never 30 days late XX/XX/XXXX, never 30 days late XX/XX/XXXX, never 30 days XX/XX/XXXX. THIS NEEDS TO BE REMOVED IMMEDIATELY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: Paypal Holdings, Inc
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have filed complaints with absolutely no results from any government agency - OMB CONTROL # : XXXX I am owed {$320.00} by PayPal for purchases made on XXXX, transactions that were cancelled because two XXXX vendors did not have the items they took my money for, and PayPal claims the refunds were issued. My bank however has never been able to see even one cent refunded to my account such as PayPal claims. XXXX XXXX XXXX XXXX - routing number XXXX - no refunds as PayPal claims in written receipts. XXXX customer service does nothing - PayPal does nothing - the BBB did nothing - the CFPB has done nothing - The FTC does nothing - so you tell me how am I to get my money back, when nobody ever acts or does anything to get it for me?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-04
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX, XXXX I took my daughter XXXX XXXX to XXXX XXXX XXXX XXXX XXXX. She received care in the emergency department. I received a bill from the hospital concerning physician services, but never the emergency services. The balance for the physician was paid in full as of XXXX XXXX based on the balance that was mailed out. I received an " overpaid '' check in the mail stating that I had over paid on the account. As of XXXX XXXX, XXXX I received a report on my credit in the amount of {$650.00}. I called the collection agency number only to be told my daughter 's insurance was never filed back in XXXX. I was then told that the physicians and emergency departments are billed separately and that the hospital would be the one to send over the insurance information to the emergency department that never was sent. I asked why was n't I informed of this and was told that the letter that was mailed out was returned back to sender. I asked them how was that my fault and was told that once the letter was returned back to them that they had to report it.

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 2020-05-07
Company: Bread Financial Holdings, Inc.
State: FL
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:
Transferred balance from comenity bank and payment passed due date incurred late fee this was when hurricane Dorian passed thru asked for late fee to be waived now balance exceeds 240 dollars and fico dropped 100 points

Company response to consumer: Closed with explanation