BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-22
Company: SUNTRUST BANKS, INC.
State: VT
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:
This loan was consolidated with Department of Education / XXXX  on  XX/XX/XXXX, and XXXX/Suntrust/XXXX Still reports the loan as Charged Off. They are no longer the noteholder and the debt has been resolved since XX/XX/XXXX. In fact all of the loans were consolidated and in good standing XXXX. 

We filed paperwork with company MULTIPLE TIMES with no response. I have made payments with XXXX XXXX and XXXX totaling {$33000.00} since XX/XX/XXXX encompassing and including the loans forwarded to XXXX XXXX reported by XXXX XXXX/XXXX/Suntrust continue to incorrectly report. Over 6 years I have made my payments perfectly without missing a single one. My credit report is flawless otherwise, and these remaining items which are incorrect, have prohibited me from rates that I earned, homeownership options that I should qualify for, and many more issues. 

My local credit union representative has has called XXXX/Suntrust/XXXX XXXX multiple times, and we were promised resolution without any further follow-up and negative items remain on credit report. We have even attempted a resolution with the Ombudsman from the Department of Education, who facilitated the consolidation with XXXX in XX/XX/XXXX. 

XXXX/Suntrust have record of accounts XXXX and XXXX BOTH being transferred out - and resolved, yet they continue to incorrectly report " charged-off '' on my credit report. This is the same for XXXX XXXX   account ending 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 2023-09-22
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
U SBank has closed a cash reserve account for no reason on the account ending in XXXX. 
The account was a back up of {$500.00}.

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 2021-07-06
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
In addition to the claim already submitted with CFPB ( # XXXX XXXX, on XX/XX/XXXX, after the events described above, Coinbase suspended all trading on XRP as a cryptocurrency. While we understand that XXXX  has levied violations against XXXX XXXX XXXX XXXX that need to be honored, Coinbases decision to suspend trading on XRP was an arbitrary one and was not properly communicated to consumers. My wife and I both invested in XRP on XX/XX/XXXX and XXXX, at a time when Coinbase was clearly aware of the action against XXXX XXXX ( Coinbase Pro had already restricted trading of XRP as of XX/XX/XXXX ). However, we were not notified at that time of the impending suspension on Coinbases main trading platform. Therefore, in the week after our investment and prior to the freeze in trading, my wife and I would have had to pay both buy and sell fees to Coinbase to recover our investment. 

Coinbases freeze on trading for XXXX has now been in place for almost six months, and we have received no communication from Coinbase as to when this restriction will be lifted ( if ever ). As a result of Coinbases intentional fraud against their consumers to maximize their profits through fees, etc., my wife and I have been unable to sell or trade our investment in XRP to this date which has cost us and has benefited Coinbase. 

My wife and I have detailed documentation and evidence supporting the claims made above, and will be happy to provide them if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: Experian Information Solutions Inc.
State: FL
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:
contacted the original creditor for XXXX credit card and told them how the new company was harassing me and telling me they were coming to my job to arrest me. I submitted the complaint online with XXXX XXXX XXXX  and was told by XXXX XXXX : Senior specialist that the account was deleted from all reports and that she sent a request for cease and desist for the collection agency. Im still being harassed by collection agencys and i just want this off all 3 of my credit reports please. I will attach conversation between me and XXXX XXXX on XXXX XXXX XXXX  which is XX/XX/XXXXcase # XXXX. I sent the letter to all 3 credit bureaus and they just updated /verified and i feel like they arent even doing accurate research

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 2023-07-12
Company: Climb Credit Inc.
State: WY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This person named XXXX from XXXX called in XXXX and at the time I was out of a job. Now I have a job thankfully and I'm trying to catch up on everything. This person calls me today while i'm at work, threating me telling me he is going to get off the phone with me and contact his client and tell them I won't cooperate and they can go ahead and push penalties on me. I asked him to email me the information about the debt, he said he isn't able to do that. He wanted me to hand over my debit card number and set up a date to collect. I don't feel comfortable about handing my card number out to anyone, especially when I don't have proof they are not a scammer. 
I told him I could not talk, because I was at work and I didn't want to loose my job. He kept telling me that I better call him back or he was going to contact his client. 
I asked him to email me a site or something that shows the debt and how to start paying it off and I would like to see a payment schedule. He said he doesn't have that he just needs to put my card in the system and charge it for what ever day I get paid. 
I didn't even catch the name of the company he is working with. 
He told me I better call him back after I get off work, I asked him for the number to call him back, he said I already gave it to you before. VERY RUDE! I told him I didn't appreciate him threating me. 
I listed the phone number he called me from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law XXXX, title XXXX, XXXX Stat. XXXX XXXX XXXX XXXX FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : DEPT OF ED/XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$0.00} Account Name : DEPT OF ED/XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$0.00} Account Name : DEPT OF ED/XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$0.00} Account Name : DEPT OF ED/XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$380.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$660.00} Account Name : XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$650.00} Account Name : XXXXXXXX XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$0.00}

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 2021-02-10
Company: Resurgent Capital Services L.P.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed items with this collection agency on XX/XX/2020, XX/XX/2020, and XX/XX/2020 all sent by certified mail. LVNV funding has refused to verify this debt as being mine. They have supplied zero evidence that this account is mine and have refused to supply me with the original form of indebtedness bearing my written signature which is needed to verify this information. I have received zero response from this company since my last certified letter sent XX/XX/2020 and have given them more time than the 30 allotted days to respond and verify this information. In previous letters, they just state that the accounts are verified. How are they verified when they have not provided me any documentation that they need to supply according to the law as I requested? All my 3rd party agencies are frozen so how is this debt verified? They are illegally reporting on my credit report and this is now defamation as they refuse to verify these debts as their illegal reporting is damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-31
Company: Home Point Financial Corporation
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Received in the mail a letter from the foreclosure attorney stating my home will be sold XX/XX/2019. I'm currently in a trial modification plan and I've made the trial modification payments. How can my home be set for a foreclosure sale when I'm making payments and have provided all the requested information that my mortgage company ask me for. I spoke with customer service XX/XX/2019 and was informed they did not show a foreclosure sale date for my home, but when I spoke with the attorney office they informed me it was set for the foreclosure sale. 

Please Help!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
There are inquiries on my account that I did not I intitate. Someone have stolen my identity. These inquiries needs to be removed immediately. The FCRA requires all inquiries to be removed if the creditors and credit bureaus doesnt have proof. Not only the creditors, the bureaus as well. Please remove all inquiries that have no proof or I will sue you all for assisting in fraud and identity theft.

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 2021-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Monday, XX/XX/2021, at about XXXX XXXX. I could not find a nearby branch that was open so I was forced to deposit through an ATM machine. Which I am extremely uncomfortable doing. 
( now I know why ) I went to the only branch in XXXX, NC. 
Address : XXXX XXXX XXXX, XXXX, NC XXXX. 
I inserted checks in groups of 10 as directed by the machine. on the 3rd round of depositing checks, the machine froze. It would not do anything. I could not get a receipt or my card back. I tried calling the number on the ATM machine but was put on hold for 30 minutes. I had to begin teaching so I was forced to hang up on the call. On Tuesday I call the XXXX branch in which we have done business for over thirty years and was told the deposit would probably deposit by XXXX that night but if not to come in and they would help me. ( No mention I would need an appointment to get help with over {$5000.00} of missing money ). On Wednesday, XX/XX/XXXX, ten days after making the deposit still no credit - so I went to the XXXX branch and was told they did not have time to help me! They were booked solid and I could leave the information concerning the missing deposit and they would get back to me the next day. ( why did they not book an appointment with me when they told me to. come into the branch? ) While in the branch, I left detail of every missing check and the amounts. The branch manager ( XXXX ) assured me she would resolve this issue. The next day she left me a message the next day to call her back, I have called her back every day for over two weeks but no one answers the phone. I have called XXXX XXXX direct line as well as the branch line NO ONE ever answers. 

With no help at the branch in which I have done business for over 30 years, I went online and made an appointment with the small business banker. We talked on Monday, XX/XX/2021, he assured me he would help me and would call me back on Monday. He did not call. I called him Tuesday, Wednesday, and Thursday leaving messages each time - no return phone call. I scheduled another appointment with the small business banking manager for Friday, XX/XX/2021 He didn't even bother to call! I called and left a message still no return call. 
I finally found another phone number to call and a lovely girl XXXX helped me file a claim - but it took more of my time. I had to tell her every check and every amount which was the information had had to go back and gather that I gave to the branch manager. This lost deposit has cost me over 10 hours in phone calls, emails, and going into the branch. 
It is XX/XX/2021, and I still do not have the money in my account. Twenty four days and the deposit is still lost!

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 2021-07-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: TD BANK US HOLDING COMPANY
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
XXXX XXXX XXXX, This is my written notice, pertaining to a Finance Contract Violation of Refund/Credit for the Cancellation of Service Contract, Breach of Express warranty-State Law : Implied Warranty ( bought Service contract within the 90 days ) had repairs done at dealership, misrepresentation -mishandlings. 
First time purchasing a car through a dealership along with financing vehicle, and, purchased a Service Contract {$2400.00} included in Total Financing of vehicle. The Cancellation of Service contract was done on ( same day as repairs/problem with vehicle ) because of /results of : dealership misrepresentations of Service Contract ( prior to doing Any work on vehicle ) - from my understanding a service contract and bringing in to the dealership ( who sold vehicle ), the recently purchased- vehicle that, this type of work was done, Or/ Should of been done and inspected as general certification of a used vehicle, the -misrepresentations of coverage/use of service contract/processes to follow for service/repair - I then took my financed vehicle to another credit union, I recently came across the paper work for my vehicle ( for which I still have- to possibly- sell privately ) and realized that I was never credited to my Principle the {$2400.00} Service contract to my Principle Balance and, All during that time paying Interest on-and also ( Still was Never- done During the Time I refinanced/went through another credit union ). ( Curious as to what Smart Cash is? And to Whom an error of crediting to a wrong  account? How that happens/allowed to happen when paper /trail verifies the fact accuracy ) A letter from dealership general manager response states a cancel check to Finance organization was sent to them from dealership and states the payment was to apply to lower the principle on loan ( for service contract cancellation ) and the " Cancellation Form says '' Selling Dealer is responsible for All Refunds '' CONTRADICTIONS Mishandling 's, Misrepresentations, Fraud.. The reasons as stated are for what is rightfully mine. 
I am seeking Reimbursements- the : Service Contract amount {$2400.00} plus Interest,  and repair costs {$210.00}. 

Enclosed /Copies :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: AMERICAN EXPRESS COMPANY
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 ordered something from XXXX  back in XX/XX/2020. Did not get anything until XX/XX/2020 .... 

Opened the box that came from XXXX and it was not the item I ordered from XXXX. I reached out to XXXX to tell them what happened. And they told me the item does not qualify for a return/refund ... But i told them that this is not what i ordered. So I went to the post office and requested, return to sender. Dropped off the pacakge at the post office. Then i followed by disputing with AMEX. Everything was ok until last month. AMEX decided to charge me for the item again. I thought all this was taken care of. So here I am trying to get my money back. I have called AMEX customer service multiple times and I dont get anywhere.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-22
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:
My credit report shows an account and remarks that does not reflect my report accurately. The account in question is an closed account ..XXXX/ XXXX XXXX XXXX with a closed date of XX/XX/2013, and remarks stating card was lost or stolen. I'm asking that this account 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 2021-02-10
Company: EQUIFAX, INC.
State: AZ
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:
This account is in error and the credit bureaus are just doing the same old thing over and over again, and it is just tiring. I disputed the information and it came back verified even though the information was incorrect. As showed in the picture below the date opened for for all three bureaus are wrong, the account balance is wrong, and the date last active is just wrong. I wasn't even in XXXX all of XXXX, I have been living in XXXX since the end of XXXX. I'm in talks with a new potential employer and due to their requirements I can't have any collections on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
I obtain a copy of my Consumer Report and notice that there is some inaccurate information on my report. Pursuant to section 15 USC 1681 ( a ) under the exclusion section number ( b ) states that anything that is extended or authorize from a credit card should be excluded from the consumer report. According to definition Section 15 USC 1602 ( i ), the term of a credit card means, any card plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on a credit.

This is meaning that a credit card from a bank is not allowed on my report, and that not what I mean by a credit card and they are illegally reporting to my consumer report. According to 15 USC 1681 ( a ) section ( e ) such information shall not include specific factual information on a consumer 's credit record obtai
ned directly from a creditor of the Consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

I have been hurt being that I am being falsely accused for an account that is inaccurate on my report, I am a XXXX XXXX trying to get a house and car for my daughter and family and this is weighting very heavy on my future as of now and I'm begging and pleading for help from someone that can help my daughter and I so I can be successful and living comfortably.

Company response to consumer: Closed with explanation