BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
There are two student loan accounts called XXXX XXXX XXXX XXXX  that were opened back in XX/XX/2013. It shows I was late once on each one and never been late on those payments. I sent a certified letter twice to Transunion XXXX and XXXX.   They sent a letter saying the creditor disagrees but never sent proof. I sent a certified letter to the address on my credit report for XXXX XXXX XXXX XXXX  and I found out the location is permanently closed. Finding this out I sent a letter and copy of paper showing the place is closed and if the credit beuaru validated this, who did they contact to verify this one late payment was accurate? This information has been reporting false on my credit for some time and my complaint is that these credit beuaru are not truly validating and supporting sufficient evidence the claim to be true.

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 2018-08-22
Company: Innovis
State: OH
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:
Nothing! I tried to find out information on who, and why they were on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: Resurgent Capital Services L.P.
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to incorrect items on my credit report.It has been over 30 days and i haven't received any results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a copy of my XXXX  credit report and saw that XXXX XXXX was reporting I owe them {$640.00}. 

I sent letters to them in XX/XX/2018, certified mail ( tracking number XXXX ) which was received XX/XX/2018 and XX/XX/2018. In these letters I requested that they validate this debt. They have not responded but are continuing to report this inaccurate and invalid information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-29
Company: PNC Bank N.A.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I was able to have direct deposit but I am not allowed to transfer money from my bank PNC to the XXXX XXXX. Ive talk to my bank and the app. Each keep blaming each other

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
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: Information belongs to someone else

Complaint:
XX/XX/2020 FIRST ATTEMPT/LETTER SENT : XXXX placed INACCURATE and INCOMPLETE information on my EXPERIAN credit report as open in my legal name. XXXX XXXX XXXX   placed INACCURATE and INCOMPLETE information on my EXPERIAN credit report as open in my legal name. XXXX placed INACCURATE and INCOMPLETE information on my EXPERIAN credit report as open in my legal name. EXPERIAN claims an investigation was done and received a signed contract from with my signature on it. This is not true and still false information remains on my credit report. XX/XX/2020 XXXX ATTEMPT/LETTER SENT and I called to dispute these accounts and Experian refused to file my dispute and advised I contact CFPB. XX/XX/2020 XXXX REQUEST to see Verifiable Proof ( an original My Consumer Contract with my Signature on it ) placed on file of the accounts listed before. EXPERIAN failed to positively verify these accounts and has hurt my ability to obtain credit. XX/XX/2020 FINAL LETTER/PENDING LITIGATION According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), CRA are required by federal law to verify - through the physical verification of the original signed consumer contract - any  and all accounts you post on a 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 2022-10-05
Company: EQUIFAX, INC.
State: OR
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:
I filed a dispute with Equifax ; however, they immediately closed the dispute. I paid off my auto loan to XXXX early via a cashier 's check by XXXX XXXX. I included the check which was endorsed by XXXX and deposited to their XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: Coinbase, Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
coinbase.com has prevented me from accessing my account. Has been making me resubmit my documents, which I now do not trust them with. They have frozen about 1k in Bitcoin. They refuse to give me my crypto back. They refuse to let my college open an account and put my crypto into his account or a company account. Shortly after uploading my documentation when I started my account. My identity was stolen and the individual who was using it, used to work for coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: Movement Mortgage LLC
State: NC
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:
Credit report is missing reported debt. 

acocount information is as follows : XXXX/Movement Mortgage date opened XX/XX/2019 balance {$190000.00} should be reported to XXXX and is not being reflected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: ProCollect, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

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 2020-08-24
Company: Mercedes Benz Financial Services
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
Mercedes finance demanding {$1800.00} for excess wear of the car..it is false claim ... both in the items they describe and the cost per item. 

Ps ; The finance company verified that the spare key was misplaced by the dealership and removed it from the claim Their demand now stands at {$1200.00}. 

It is still unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: AmeriHome Mortgage Company, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I XXXX XXXX am trying to reorganized my financial situation without filing for bankruptcy protection. I therefore believe that over the next few months I can resolve a great deal of my debts through negotiations, and I need a modification package emailed to me as soon as possible. I request that all phone calls to me cease immediately by AmeriHome Mortgage, and that I receive a modification package to start on that process immediately and be protected from foreclosure proceedings under my protective rights with the addendum Fair Debt Collection Practices Act of 2014. Accordingly, I request this modification package immediately and I will explain in great detail my plan to get my affairs in order without bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: FORD MOTOR CREDIT CO.
State: CA
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:
XXXX  has been non-compliant with removing the unverified account XXXX XXXX XXXX  which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Shellpoint Partners, LLC
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 status incorrect

Complaint:
Shellpoint Mortgage Servicing reported our XX/XX/2020 payment as late eventhough we made payment on time. It is affecting our qualification for a new purchase home loan. I reached out to them but the rep told me to just email them. Time is off the essence since we are purchasing a home. Please help. I need Shellpoint to make a correction on our credit report and provide us a copy that the inaccurate report has been corrected so we can buy a new home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2018, I deposit a money order that I received from my tenant and payment has been placed on hold until XX/XX/18. Money order was purchased at a postal service office in PR. Bank refuses to liberate fundings. Currently I am unable to make a XXXX XXXX credit card payment and I have only {$170.00} in the account that I can not use or additional fees will be applied. The money order has been treated as a check despite been purchased at a postal service. This is a violation of CC rules. The bank is Bank of America. I am concern as my tenant bounce 2 checks previously, this impacted my account. T thought asking for money orders will solve the problem. This situation proved otherwise. I just need to have access to my money to be able to pay other bills and have daily living money.

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 2018-08-22
Company: EQUIFAX, INC.
State: MI
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 sent a letter to both equifax and XXXX XXXX XXXX. I have two accounts on my credit report that were included in my chapter XXXX bankruptcy. They are not reporting that way on my equifax report. I've sent court documents that show the two XXXX XXXX XXXX  accounts as part of my chapter XXXX bankruptcy. Both equifax and XXXX XXXX refuse to fix my report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XXXX XXXX XXXXXXXX is using deceptive algorithms to increase revenues on overdraft fees. 

I have studied their accounting algorithms for months and taken notes and have copies of receipts, statements, etc. as evidence. 

In general overdraft is straight forward, if you use more than your account balance they tack on a fee for covering the transaction. 

They have a bad policy of posting items by amount for largest to smallest ( this is not my complaint but should not be legal, this only guarantees that they get the maximum amount of fees they can collect and if this is something that we can discuss to fix this practice for all consumers it would be great. ) However, my complaint is on a more deceptive practice where they will manipulate the POST date which appears to be controlled by software triggers based on transaction to cause overdraft to happen then they use the practice above to get the most amount of fees they can. 

Here is an example which happened recently that I have documented well. 

At the end of day XX/XX/XXXX my available balance was {$430.00} In this order I made transactions against my available balance XX/XX/XXXX - Starting Balance - XXXX   XX/XX/XXXX - XXXX - XXXX - XXXX XX/XX/XXXX - XXXX - XXXX - XXXX XX/XX/XXXX - ATM Deposit ( XXXX ) - XXXX - XXXX XX/XX/XXXX - ATM Withdrawal - XXXX - XXXX   XX/XX/XXXX - XXXX XXXX - XXXX - XXXX XX/XX/XXXX - XXXX  - XXXX - XXXX   XX/XX/XXXX - XXXX XXXX XXXX - XXXX - XXXX XX/XX/XXXX - XXXX - XXXX - XXXX All of which have a posting date of XX/XX/XXXX ( which is what they choose to do ) I have receipts with time stamps for all the above transactions including a receipt from your ATM on XX/XX/XXXX at XXXX At the end of day on XX/XX/XXXX my available balance was {$250.00} Monday morning my account was negative 46.04 because of the {$290.00} XXXX charge. This charge has a posting date of XX/XX/XXXX and is where their triggers happen. Normally all transactions post the day after their transaction date, however TD bank when their system senses it can create an overdraft situation manipulates dates and posts the same as the transaction date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: WELLS FARGO & COMPANY
State: OH
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:
Every time I apply for ANY credit, I am sent letters denying me however these same letters states that either a credit report was not pulled or I have a 700 plus score but yet they still deny me for ANY loan or credit application. I wrote the 3 credit bureau on XX/XX/2020 updating my legal name because I was denied credit due to " inactive file '' status. My name has a suffix behind it so I sent them my ID and other documents to provide proof of my identity and requested my credit profile show up active. I never received any correspondence from them or any notification. Further more my identity was stolen by the XXXX and I received a Notice of Data Breach. I am unsure why i am having these issues but know that I should of been offered the credit in which I had requested. I am still receiving notices that states these concerns. Your help in this matter will be greatly appreciated.

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 2021-01-20
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:
I reviewed my credit report and that there was an inquiry on my Experian and XXXX  Credit report for XXXX XXXX, Bank Credit Cards Inquiry Date XX/XX/2020. 

In XXXX I mailed out letter advising the company that I never submitted an application or applied for any of their products. 

I have not received a response from the company and the inquiry is still listed on my credit report. 

I contacted XXXX XXXX today and they said that could not assist with this issue.

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 2023-08-22
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:
i wrote to XXXX, XXXX, and Transunion requesting an investigation of the following inaccurate accounts reporting on my credit report 30 days ago. the credit bureaus claimed that they have completed a reasonable investigation with the furnisher of the account and verified 100 % that the accounts listed below are accurate. however, the accounts are continuing to reports errors on my credit profile, which is causing damage to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-05
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I signed up for a XXXX plan through XXXX for XXXX XXXX ( later called XXXX XXXX  ) in XX/XX/XXXX. I utilized my XXXX  benefits for routine primary and preventative care covered under my plan on XX/XX/XXXX, and then ended my plan in XX/XX/XXXX. Now, over a year later, I have been contacted by " Credit Collection Services '' claiming that I owe {$2300.00} to XXXX for a variety of procedures, services, and supplies. This cost should have been covered by my healthshare plan, and should not be in collections.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX ; Experian and XXXX should not be reporting a collection in the amount of {$500.00} on the XXXX XXXX XXXX original creditor XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I returned all of the equipment pursuant to the return policy of XXXX well within the time frame allowed per the service contract. There is no outstanding balance due on this account and therefore nothing to collect. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-07-01
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: Account information incorrect

Complaint:
XXXX ; XXXX and Transunion should not be reporting a collection in the amount of {$500.00} on the XXXX XXXX XXXX original creditor XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I returned all of the equipment pursuant to the return policy of XXXX well within the time frame allowed per the service contract. There is no outstanding balance due on this account and therefore nothing to collect. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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