BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 9 accts that were included in my Chapter XXXX Bankruptcy discharged in XX/XX/2019 that continue to report neg information on my credit report and they are still affecting my ability to get new credit or my current credit! Late payments & neg information is still visible to anyone that pulls my credit when I am applying for new credit. Per bankruptcy laws these accts are to clear all neg info and just report a closed acct included in bankruptcy, but these accts still are! I have disputed these items several times & they still continue to report this neg information. The credit bureaus & the individual companies refuse to correct or remove these neg accts. Pls help me to get these items removed from my credit reports as I have had no luck disputing them myself. I know this is a violation of the Bankruptcy laws & these companies need to be called out on this kind of violation. I can provide proof of this affecting me in a neg way. The bankruptcy will affect me for 7-10 yrs but the law but the accts are to no longer affect my credit. This is a direct violation of this law and now all of these items need to be removed per the law. Pls help enforce this action.

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 2021-09-21
Company: Central Portfolio Control Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I just had two collections hit my credit from Central Portfolio Control on XX/XX/XXXX. One for {$300.00} & one for {$2900.00}. I have no idea what these debts are, other than they are medical. I have not received anything in the mail. I have not received any medical service anywhere near this amount, neither have my dependents. I want this removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: I.C. System, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2018 its saying I opened an account under I C System not even sure what that is, however. Its showing here on my credit report {$420.00} is pst due but I havent opened anything my identity was stolen. Ive contacted them and tried to tell them. They deleted it then added it back.

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 2018-03-15
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have had a mortgage with Wells Fargo Bank for approximately 10 years and have never been late with a payment. In XX/XX/2015, Wells Fargo Bank alleged that our home insurance lapsed and attempted to force us to pay several thousand dollars for their " mandated '' coverage. We have maintained home insurance throughout the 24 years that we have owned our home ( changed mortgage companies during those 24 years ). Our current home insurance is through XXXX and we pay approximately {$1700.00} a year for coverage. When we sent evidence of coverage to Wells Fargo, the bank reduced the amount that they said that we owe for their " mandated '' coverage during the period that they said that they didn't have evidence of our home insurance to {$680.00} ( we sent evidence of insurance as soon as requested, but W.F. said that there was a period of less than 30 days that they would require their insurance ). We paid the amount which Wells Fargo held in Escrow for a year and then they swept the account. We believe that Wells Fargo made up the insurance bill, created an escrow that was bogus ( not used to pay insurance ) and stole {$680.00}. This morning in the XXXX XXXX Wells Fargo was cited by the CFPB for auto loan fraud. We believe that they are doing the same thing with home mortgage insurance. We would like the fraudulent bill reversed and W.F. Bank forced to pay its mortgage customers for insurance fraud that is eerily similar to their auto loan business.

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 2020-06-23
Company: CITIBANK, N.A.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Hello I received an email for opening Citi priority checking account with 50,000 AAdvantage miles. I brought the email letter to the local branch and the banker confirmed that I can get the bonus after I meet the requirements. I opened the checking account and have met all the requirements, but I still didn't get the bonus after half a 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 non-monetary relief
Consumer complaint received 2020-09-15
Company: Sierra Holdings LLC
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
On XX/XX/2020 someone using my personal info tried getting a payday loan in my name. XXXX  was no help

Company response to consumer: Untimely response
Consumer complaint received 2021-09-21
Company: Experian Information Solutions Inc.
State: TX
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:
Hey I have been a Victim of Identity theft to where someone at my old address got a hold of a pre approval letter and somehow my ssn and tried to apply for a credit card. I opt out but the bureaus wont delete this obsolete information 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 2021-09-21
Company: Southwest Credit Systems, L.P.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sw Credit Systems Inc is currently trying to collect a debt that I do not owe for XXXX XXXX. I do not have a current or previous contract with neither Sw Credit Systems, or XXXX XXXX. There is no information on this account. There is no verification of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX # XXXX is listed on my credit report for transunion as a charge off. This account is illegal and invalid in the state of Florida as it violates the state of Floridas statutes. Ive disputed this and transunion has allowed them to illegally conduct collection activities that violates my state laws and my rights.

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 2018-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have requested validation of the debt XXXX XXXX XXXX XXXX seeks to collect. I am not certain I actually authorized this debt for many reasons. I have not resided in XXXX, NE since XX/XX/XXXX this debt was accrued in XX/XX/XXXX. My wife is usually the responsible party for all medical matters as she is typically the one who takes the children to the doctor. The hospital had a bad address on file. The debt collector has been unable to furnish anything used to verify identity prior to providing services. The account information I have been shown does not have any of my personal identifying information. 

FURTHERMORE, the collection agency is trying to collect an amount that is inconsistent with the original creditor 's records AND they have re-aged the account to make it appear newer than what it actually is to cause maximum damage to my credit report. Both actions are violations of the FCRA and FDCPA.

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 2021-09-21
Company: Experian Information Solutions Inc.
State: IL
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:
Ive contacted all 3 credit bureaus regarding disputing this account and provided supporting documents and the outcome wont change. Im being told that the creditor verified the information they have is accurate which isnt which shows that the credit bureaus arent doing their job.

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 2021-09-21
Company: Duncan Solutions, lnc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We recieved a letter in the mail that we owe a unpaid bill for a toll on the XXXX XXXX on XXXX on XX/XX/2021. We were not even in XXXX on that date and we have bank charges showing that we were in XXXX XXXX  on that date. Tried to call the company resolve the situation and they hung up on us. When researching this company on the Internet there were a lot of people complaining about the same problem we are experiencing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: AES/PHEAA
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am a public service worker, having been in the field since XXXX. I had my loans serviced through Pennsylvania Higher Education Assistance Agency ( PHEAA ) for a majority of the time when I first learned I was eligible for the Public Service Loan Forgiveness Program in XXXX. This was after not being told or encouraged to join through that servicer, who also had many loans tagged incorrectly, thus not reflecting the correct eligibility. I have recently re-certified my eligibility, but find PHEAA through FedLoan Servicing, only reflects roughly have the qualified years, telling me that there were forbearance they placed on my accounts when I would have been eligible for $ XXXX  monthly payments prior to and immediately following my marriage in XXXX. They have mismanaged my account that I have spent over 4 years trying to fix, with them now properly certifying my eligible years, but not that of eligible payments that they consider.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: DFC Global Corp.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a predatory loan with Money Mart. They have reported negative remarks on my credit report. This company would not provide me with a payment date. They just began taking out payments on each of my paydays. I borrowed {$5000.00} and paid over {$2000.00} and now the company is saying I owe {$6.00}, XXXX. They will not give me a set payday. When I requested that they stop taking payments out of my XXXX XXXX XXXX checking account to caused me to get all of these payment fees because they gave me different stories on stopping the payments. This exacerbated the situation and caused me to miss payments. The Corporate office forced me to go to the store that is packed all the time and has long waits. I feel that this is predatory lending because you can never get ahead of the debt and they are now claiming that I owe more than I first borrowed. They impacted my credit when I am trying to purchase a home. I am veteran and homeless but they persist in rates that are meant that you never pay them off. I also found it amazing that the corporate office was not able to stop the recurring payments from debiting my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Within the past week, I have received multiple calls from Portfolio Recovery & Associates. I have advised that they are contacting me on a cell phone and I advised that they send  correspondence by mail. They give the last four numbers of social security and date of birth and address, so basically giving out my personal information to verify. They have been advised now to stop calling, today was the 5th call from this collection agency. One representative advised me that the company would continue to call because without me verifying personal information they can not code the account for calls to cease. I advised that I would file this complaint with CFPB if it continued and now that I received the 5th call- this is now considered harassment and a violation of the FDCPA and TCPA. Also, when I  requested to speak to a supervisor I was placed on a silent hold for several minutes to no avail. Also, no mini Miranda was read to me. I was finally able to speak to a manager who stated that they will continue to contact my cell phone until I verify all of my personal information. The manager would not stop the harassment either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-15
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
My problem involves Coinbase ( who runs a crypto-currency exchange licensed under various state laws ). I am a New York resident. 

Since XX/XX/XXXX, I have lost access to my Coinbase ( https : //www.coinbase.comXXXX ) account and am unable to ( i ) withdraw my US dollar funds held by the company, and ( ii ) access the XXXX form prepared by Coinbase for my tax preparation. 

After numerous phone calls and providing the company with the various documentation that they requested, the call center representatives of the company refuse to take any meaningful action or give me an estimated timeframe regarding the resolution of the issue, beside saying that a specialist will handle my case, but they have large backlogs.

The problem was initially caused by the fact that my old mobile phone has been broken and I had lost access to my Multi Factor Authentication app. I was using 2 factor authentication via the XXXX XXXX app. 

The issue is simply a matter of identity verification. I have previously provided the requested ID documents, bank statements, utility bills, demonstrating my identity and address. Likewise, I continue to use the same mobile number and email.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: U.S. BANCORP
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Called number on my credit report talked to company they couldn't find any information on so they don't know why it's on my report. Can you help me? I never contacted u s bank for credit.

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 2021-09-21
Company: CITIBANK, N.A.
State: MA
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 have these accounts that are not mine and i want them to be removed from my credit. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft CITI Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine.

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 2021-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Ive contacted all 3 credit bureaus regarding disputing this account and provided supporting documents and the outcome wont change. Im being told that the creditor verified the information they have is accurate which isnt which shows that the credit bureaus arent doing their job.

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 2022-10-06
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  DATA XX/XX/XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26
Company: Experian Information Solutions Inc.
State: CA
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:
I spoked with customer service from Experian about inquires on my credit report witch i have knowledge of i asked them to remove them and they denied helping me and also addresses that ive never lived in aswell as phone numbers

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 2018-03-15
Company: Lending Club Corp
State: NJ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
On XX/XX/2018, I received a phone call from XXXX XXXX XXXX advising they were attempting to collect an outstanding debt which was transferred from Lending Club. The amount was for {$20000.00}. He was interested in setting a payment plan to repay this amount. At this time i advised the rep with this company I was involved with a debt mang company, he was provided with the name and phone number of the debt mang company. he stated they have dept that works specifically with debt mang programs which would not be an issue. On XX/XX/2018, i contacted my debt mang program to inquire if XXXX  contacted them they did not. I reached out to XXXX to inquire on why they did not, they stated the number did not work. The number again was provided with an extension, which has been the same number i have been using to contact the mang company with no issues. On XX/XX/2018, i spoke with the mang company and asked if XXXX contacted them they had not. I have not heard from XXXX  since XX/XX/2018. This amount of {$20000.00} is currently listed on my credit report as an active collection record which hurt my credit drastically. besides the phone call the credit report was the only other way i knew what was going on with this loan. also the creditor listed for this account is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: Bread Financial Holdings, 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: Investigation took more than 30 days

Complaint:
I filed a dispute with XXXX in regards to the incorrect items on my credit report, it has been 45 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
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:
To whom it may concern, I recently pulled my reports and noticed you are reporting the incorrect balance for this account USAA Account # XXXX. Because the balances being reported by your company and XXXX, XXXX, & XXXX are different, this means the account has not been properly verified. Charge off account showing currently showing past due. This account was paid and still showing balance. 
Please delete this account immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Chime Financial Inc
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
today on XX/XX/2020 chime bank closed my account because of visa  transfers  from XXXX   XXXX. they asked me to provide information on to why i transferred Visa Transfers to my account, which i have given them, Chime stated my information was not good enough and stated they will refund me my funds.

Company response to consumer: Closed with explanation