BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-20
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On or about late XXXX or early XXXX I defaulted on a XXXX credit card. There are several aspects to my complaint. First off, this debt is about 4.5 years old and just now reporting to my credit file. When I first saw the item on my file I disputed the validity of it due to not recognizing the account due to not seeing anything about this account in years. Upon receiving notice I made contact on XX/XX/XXXX at XXXX XXXX to gather some information and attempt to make a settlement. I spoke to a representative and then a supervisor named XXXX XXXX. XXXX mentioned 2 adjustments in amounts of {$44.00} and change and {$19.00} and change. I questioned these adjustments and told him I needed verification of where they came from. He told me they came from the original creditor, XXXX XXXX. XXXX also informed me that Midland Credit had already verified the account from the dispute I submitted so no need for verification on the adjustments. XXXX continued to push me to set up a payment and wanted to give me until XXXX the same day I made contact to investigate the adjustments which was not a reasonable amount of time. After ending my call with supervisor XXXX XXXX I attempted to contact XXXX XXXX, the original creditor. I spoke with a customer service representative at XXXX named XXXX who stated she could not find information for that account on her system. I spoke to another representative in the recovery department who stated the same information that they were unable to locate information under my name for that account. I also contacted XXXX  to ask the status of the dispute that Midland Credit claims was verified and as of XX/XX/XXXX XXXX  claims the dispute is not complete and is still in progress. Midland Credit discouraged a verification or investigation of these adjustments which I have a right to as well as asking me questions such as when my last payment on the account was. Pertinent information such as dates related to the account is their obligation to confirm and depict accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-15
Company: PENTAGON FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I applied HELOC with Pentagon Federal Credit Union and they start process few months ago and at the end after conditional approval, they told me to submit extra insurance as a second lien and my insurance can't increase my insurance because it is illegal to do so. They still keep sending me email until XX/XX/21 to get extra insurance to give me HELOC. If you need the email correspondence, I can forward to your organization. Please find attached email correspondence for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2022 I locked myself out of my original Venmo account. I created a new account because my father had died and I needed my husband to send me {$780.00} instantly to cover my dads cremation ( my portion ). I had trouble connecting my card so I contacted customer service. The told me that I cant have two accounts with the same card and I advised them that I lost access to my other account and that they can close the old account and I will use the new one. At no time was I advised that this would cause a problem or flag my account. The old account was deleted, and the new one was allowed to receive the money. I tried to instantly cash out the amount and it wouldnt let me because I needed to ID verify. I sent I. My ID and was verified the next day. I went to cash out the money and found my account. Was frozen. I contacted customer service again explained to them that this money was for my dads cremation and that I was ID verified and they told me that a different department handles this and that they are only reachable through email. It has been 8 days. My father is lying in a freezer, dead. And I still cant have him put to rest because of Venmo holding my money. I turned in my ID 3 times. My husband account. Was frozen as well and he also sent in the bank statement, and ID showing proof that this is real. I want my money released back to me. The fact that I cant speak to anyone, that no one can help me but they can hold my money for weeks in a time when Im already grieving, hurting they just traumatized me more. This was all the money I had for this, I have no other family to help and the funeral home will be disposing of my fathers body without releasing the remains to me because of failure to pay. My fathers remains will be dumped like garbage because VENMO decided to hold my funds after I verified my identity. I have contacted an attorney and we will be suing for pain and suffering involved over this. I want my account opened and I want to transfer my funds. Now. Venmo is a horrible company that never disclosed to me that it would be a problem. They had the opportunity to tell me and didnt. Shame on them. Im absolutely traumatized that my fathers remains will be garbage by morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Experian Information Solutions Inc.
State: AR
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 the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$150.00}

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 2020-06-07
Company: FIRST ADVANTAGE CORPORATION
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I excepted a job offer on XX/XX/2020 at XXXX XXXX XXXX XXXX XXXX Tn. and worked 6 weeks and First Advantage background reported false information and i lost my job. I contacted First Advantage and reported the issue, In reveiwing the company I found Im not the first. The back ground information they summitted wasn't mine. I have had identity theft and filed a police report and filed a complaint with the FTC in which I summitted the paper work to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
My personal information was stolen according to a letter from the Equifax and XXXX XXXX XXXX XXXX. Because these two companies had a massive database breach, that prompted me to check my credit. Upon checking my credit, I have noticed that several inquiries that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC already. The FTC Identity Theft Report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.

9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.

10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), XXXX OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.

12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.

13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.

14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.

15. Provide verification from the stated creditor that you are authorized to act for them.

16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.

Disputing the Debt, Dated this XX/XX/2018

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 2020-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$150.00}

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 2018-11-09
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I received a copy of my credit report and am disputing Several addresses some which I have not resided at, and I was also a victim of fraud. I am requesting these addresses be deleted. I have highlighted these addresses and I am disputing these items. I have attached the police and fraud report. 
The reasons why these items should be deleted are inaccurate information due to fraud, my identity has been compromised. Please remove the following : XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX, Oh 4XXXX XXXX XXXX XXXX XXXX ln XXXX, oh XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX XXXX, oh XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-09
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: Information belongs to someone else

Complaint:
My personal information was stolen according to a letter from the XXXX   and XXXX XXXX XXXX XXXX. Because these two companies had a massive database breach, that prompted me to check my credit. Upon checking my credit, I have noticed that several inquiries that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC already. The FTC Identity Theft Report number is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-15
Company: Experian Information Solutions Inc.
State: CA
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:
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; person ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

Department of Education/Navient is a government entity aka " person '' and it unlawfully for it to be placed on my customer report based on 15 US Code 1681 ( a ) exclusions. Based on that fact, I demand it be removed from all consumer reporting agency.

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 2017-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted information to Trans Union several times regarding an inaccurate account on my credit profile. XXXX ( XXXX XXXX ). I have submitted request to validate on XXXX XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. Per the FCRA 623 ( a ) ( 5 ) : " If the Credit Bureau can not VALIDATE the information from the ORIGINAL CREDITOR, they must remove the said information from the consumer credit file. '' I have made several attempts to TransUnion regarding this matter and they respond by verified. I have asked for clarification on how its " VERIFIED '' they need to VALIDATE it! and how it can be verified when this account is not mine, nor could they send me any clarification on whom, what department they spoke with reagrding this matter. Please help me get this resolved with TransUnion

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 2020-04-30
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$59.00} XXXX XXXX {$1300.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX {$28000.00} XXXX XXXX {$650.00} XXXX  XXXX {$18000.00} XXXX XXXX {$650.00}

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 2020-06-07
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XXXX XX/XX/XXXX, duplicate XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. 

They also did not update my personal information per the request made in XX/XX/XXXX that was sent via mail XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$59.00} XXXX  XXXX {$1300.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX {$28000.00} XXXX XXXX {$650.00} XXXX XXXX {$18000.00} XXXX  XXXX {$650.00}

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 2020-04-30
Company: Coinbase, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I sold 1 Bitcoin on XX/XX/2020, it went into a Wallet. I tried for a few days now to withdraw the money into my personal bank account. It keeps giving me this message that they need more information. It took a month to unlock my account. I finally got on and sold my only Bitcoin and now they will not give me my money. I followed all of Coinbase instructions and still nothing. I reached out to customer service over and over. They never address my problem about not able to withdraw my money. I sent Coinbase a screen shot of message like they ask me and nothing. Crickets, I'm still waiting. I lost my job over COVID-19 and I'm in need of money. Please can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 EOS CCA sent a form to me the consumer XXXX XXXX stating I owe them an alleged debt. I do not owe this alleged debt and I refuse to pay. I did not give EOS CCA consent to contact me the consumer or my Organization XXXX XXXX which is a violation of 15 U.S.C1692b ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have on two separate occasions attempted to have XXXX XXXX give a one time courtesy reversal of my XX/XX/2019 late mortgage payment. There were extenuating circumstance with my Title company on the purchase of my new home. I used to work for XXXX XXXX and have worked on mortgage accounts that have recieved a negative credit reporting reversal. They are refusing to do the same for me. I am stating they are operating under unfair business practices. I have stated numerous time this is not a XXXX XXXX error, I am asking for what I have done to other accounts in the recent months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I transferred {$700.00} to purchase a pet I found on XXXX XXXX XXXX on XX/XX/2020. 

I transferred the money from my personal checking account through XXXX, which is the " recommended '' money transferring service when I log into my BANK OF AMERICA account. 

The next day the individual I agreed to purchase the puppy from turned off his phone and I have no other way of getting a hold of him. 

I have since emailed XXXX XXXX XXXX XXXX and have not received any correspondence. 

Also, I have contacted my bank, BANK OF AMERICA, and their only advice was to contact the FBI. 

I have issues with this because as a customer of BANK OF AMERICA they recommended using XXXX, which I'm sure they get some kind of huge kickback on. 

YET, when an issue arises, they refuse to take ANY responsibility or help in ANY way because they aren't " affiliated '' with XXXX. 

DISGRACEFUL!!!

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