BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-10
Company: Affiliate Asset Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is the 3 time I have disputed and filed a complaint with the CFPB and the FTC overaccounts XXXX XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX XXXX XXXX ), Third-Party Collection Agency unable to validate debt. Other problems have included debt buyers selling with accounts with one creditor and then being collecting by another whoallegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputes between debt buyers over who owns which account when buyers have purchased partialportfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist. LEXIS 24157 ( E.D.N.Y., April 2, 2007 ) ( dispute over who owned the 1/5th of a portfolio that included the debtors account ), or debt buyers attempting to collect monies in excess of the balance of a previously settled debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp. 2d 193 ( N.D.N.Y. 2008 ) ) there are so many violations I don't which one to start with. All of these accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!! I have notreceived any documentation from any of the above companies and I request again that proof of Claim and verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I would like to inform you that on XX/XX/2020 I sent a letter stating that I found inaccurate items on my credit report. I feel I have been patient with the investigation process but it has been over 48 days and I have not received a response. Unfortunately I feel as if my disputes have been ignored and that I have been taken advantage of. According to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 48 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship you have caused me. I was affected by the XXXX data breach and this may be the result of this nefarious activity on my reports.

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 2023-07-09
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had 2 credit cards for citi Bank. The one balance was an amount under XXXX. The other credit card had a larger balance of around XXXX. A portion of the card with the larger amount was going to start charging me interest so I did a balance to XXXX. It was around XXXX. During the balance transfer process there were fraudulent charges on that citi card so that card number changed and I got a new card. Once the balance transfer was paid by XXXX XXXXXXXX added the XXXX to the credit card with the balance under XXXX which then made that account over paid. Ever since XXXX I have chatted, talked to them over 12 times. They keep moving money, fees, and payments all over the place between the cards. They have my accounts a complete mess and can not fix this. I am beyond frustrated and I don't know where to turn. I am so upset. This is my money they are playing with. Adding and subtracting amounts and everything else. I am a good paying customer with good credit. I'm to the point they better fix this or I'm not paying it. It's not right what they have done. At this point they should have to pay for this mess they have created. I didnot mess the balance transfer up to begin with. This was not my fault at all and now I am the one who is suffering. They keep making it worse and worse. Please help... please

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 2020-12-07
Company: SUNRISE CREDIT SERVICES, 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:
I am writing to SUNRISE CREDIT SERVICE agency because I am having difficulties with buying a house and applying for new credit cards. I paid the collection and do not owe anything, but the mark in Experian report prevents me from achieving the desired results. 
I am kindly requesting SUNRISE CREDIT SERVICE agency to remove this collection from my credit report as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and 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 2017-12-21
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
All times are in Pacific time zone.

( Tues,XX/XX/XXXX at XXXX XXXX  ) From my XXXX XXXX account, I sent an outbound wire to XXXX at XXXX XXXX onXX/XX/XXXX for the amount of {$21000.00} USD. The time is before the cutoff time of XXXX XXXX and I also checked with my bank that it was sent successfully.

( Tues, XX/XX/XXXX at XXXX XXXX ) I open a support ticket with XXXX ( Case # XXXX ) with the following message : I have verified that the wire was sent to XXXX at XXXX on XX/XX/XXXX( for the amount of {$21000.00} USD ), which is before the cutoff time and I also checked with my bank ( XX/XX/XXXX ) that it was sent successfully. However, I am still not seeing the funds in my XXXX  account. My understanding is that if it 's sent before XXXX it would appear in the same day. Can you please take a look into it?

( Wed, XX/XX/XXXX at XXXX XXXX ) I receive an email from XXXX about a message : ATTN YR ABOVE REF, WIRE DTD XXXX IAO XXXX PLEASE BE ADVISED OUR COMPLIANCE DEPT HAS REQUEST FULL NAME, MAILING ADDRESS, WHAT DO THE INITIALS TSS STAND FOR OUR XXXX NO INDEMNITY INTENDED. AVOID DUPLICATION. REGARDS It appeared that I had put the wrong name in the recipient 's name field. Instead of putting Coinbase, Inc, I put my own name. I realize my mistake and I ask the agent to send an addendum to the wire.

( Thu, XX/XX/XXXX at XXXX XXXX ) I receive from XXXX the Bank Ref number : XXXX

( Thu, XX/XX/XXXX at XX/XX/XXXX) I include the Bank Ref number in XXXX XXXX  support ticket ( Case # XXXX ).

( Tue,XX/XX/XXXX at XXXX XXXX ) I add a note to XXXX XXXX support ticket ( Case # XXXX ) with the following message : It is XX/XX/XXXX and I have yet to see it deposited in my account. This is extremely frustrating that I am not getting any response from the support team. Can someone please look into it?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Experian Information Solutions 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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, AZ XXXX 2. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX 5XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
9. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
10. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from 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 explanation
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
In accordance with Fair Credit Reporting Act XXXX Account XXXX ( original creditor XXXX XXXX XXXX XXXX XXXX ) # XXXXXXXX XXXX XXXX original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 15 USC 1681 Section 602 A States I have the right to privacy. 15 USC 1681 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2020-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2022-11-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$5000.00} ; XXXX XXXX XXXX : {$5400.00} ; XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-10-10
Company: CITIBANK, N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I overpaid my Macys card balance in full. The amount was {$190.00} in XX/XX/2020 with a cashiers check that was written by the credit union XXXX drawn off of the bank. My acct had a {$28.00} credit. 
In XX/XX/2020 Macys reversed the payment. They added the {$190.00} back onto my card and charged a late fee on the {$28.00} credit stating I owed them. As I went back and forth with them that payment was made and I was to have a {$28.00} credit, In XXXX they falsely reported a missed/late payment to the credit bearu which has negatively affected my credit and my ability to be approved for s conventional home loan. 
I have sent the front and back copies of the check they cashed paying the account Im full IN XX/XX/2020 several times and I have documentation. 
They still refuse to rectify the account and continuously harass me to pay any other {$190.00} because although they have proof, letters from my credit union etc they refuse to rectify my account and remove derogatory remarks off my credit report. At one point they stated they dont know where or to whos account they applied payment to and I needed to figure it out! I paid my bill, I refuse to pay it twice especially with proof they cashed the check and gave the funds. 
Ive been told by every agent and supervisor that I have dealt with over the last 8 months that The department that handles This doesnt not have a phone number or email address. I have to wait for a letter from them instructing me what to do. Ive received at minimum 3 letters stating my account has a XXXX balance. Yet they still call and harass me weekly, sometimes daily, never actually remove the derogatory remarks from my credit report that was falsely reported and continue to call me for payment but do not send me bills or statements. 
Please help.

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 2022-11-10
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

FOR EQUIFAX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX FOR XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX FOR XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX A- States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
EQUIFAX as violated seven federally protected consumer rights under the FCRA Fair Credit Reporting Act 15 USC 1681 in reporting information that I have no value and unfair to me the consumer, natural person and original creditor. 15 USC 1602 ( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required. EQUIFAX has violated federal law 15 USC 1681 ( a ), 15 USC 1681 ( a ) ( 2 ), 15 USC 1681a ( 4 ), 15 USC 1681a ( 2 ) ( i ), 15 USC 1681a ( 2 ) ( b ), 15 USC 1681a ( 3 ) ( e ), & 15 USC 1681b ( a ) ( 2 ). Pursuant 15 USC 1681n ( a ) ( 1 ) ( a ) EQUIFAX is civilly liable for violating federal law I have exhibit along with notarize sworn affidavit of truth stating the facts inside and citing violations line by line. I also explain clearly on how I was violated and how the consumer report has attempted to harm my reputation and by reporting base solely on information between credit grantor and credit bureau not the original creditor which is a violation. My consumer reports has been unfair and harmful practices by EQUIFAX and I never gave them written instructions for accounts presented in my exhibits. Consumer has a right to privacy and my privacy has been breach by EQUIFAX. This credit bureau report has caused me and my family much stress and anguish due to the unfair practices from this corporation. Pursuant 15 USC 1681n ( a ) ( 1 ) ( a ) EQUIFAX is civilly liable invoice is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
There are many mistakes appear in my report without my understanding.

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 2021-07-02
Company: WELLS FARGO & COMPANY
State: DE
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Wells Fargo decided to charge me XXXX  fees without an existing agreement or consent by me. They decided to pay for transaction I did not approve of, then charged me XXXX fees. I did not opt into XXXX  services with this bank. Banking is involved in predatory banking practices which are illegal.

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 2019-08-09
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried to open a Citibank savings account on XX/XX/2019. I completed the process and sent {$100000.00} via ACH. Citibank requested more information so I responded per the attached. The fraud department decided to close my account and only paid interest for one month. I've called numerous times to get my money back and no one has been able to help me. I spoke with FOUR people on XX/XX/XXXX and the last person, XXXX, said the fraud department was holding my check due to their inability to verify my address. As you'll see from the attachments I gave them everything they requested,.

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 2021-08-09
Company: SLM CORPORATION
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I reached out to Sallie Mae about my monthly payment this evening because I can not afford the current monthly payment of XXXX a month. The person I spoke with told me that I could extend the term of the loan and was give a monthly rate of XXXX that I told him I still could not afford in my current situation. I told him that I could more closely afford something around XXXX but no more than XXXX. I was told there was nothing that could be done other than forbearance. I said I didn't want to do that, that I am still trying to stay current on this loan so I don't fall behind and miss the payments. I asked if there was a different department or someone I could speak with that neither of those worked for me and was told there was no other department and that I could speak with their escalations department. I was transferred there and was told the same thing that I can either do that plan or I can do a forbearance. This agent also suggested that I could just pay what I can and when I fall behind on the loan that I can just talk to their in-house collections department to see what they can work out. I was given no alternative options and just told that they can do nothing until I stop making payments towards the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX  are reporting 3 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation