BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-02
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you 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. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2019-09-11
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2019 a collection was added to my credit report under the name of Receivables Performance. They claim this debt originated from XXXX which was canceled and all equipment returned. Not once have I received a verification of the debt from the company, the amount they paid for my debt, nor any reason for them to possess my identifying information. I informed them the debt was invalid and they did not have my permission to possess or distribute any information including my social security number, my birthday, or any information pertaining to my old XXXX account. I was told they would continue to distribute my information regardless of my request and they could not help me. 

I have received many phone calls during the day from this company. I twelve hour night shifts so I sleep during the day. They continue to call me during these hours after I informed them of my work schedule. They also have threatened me that they would take me to court if I did not pay the debt. According to debt collection laws a debt collector will not contact you during inconvenient times or threaten you with any negative or legal action if they have not filed in court already. 

I need this collection removed from my credit report and prevent any further disclosure of any of my identifying information to any other entity whatsoever.

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 2021-06-01
Company: AMERICAN EXPRESS COMPANY
State: NV
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:
Months ago an Amex credit card account showed up on my credit report that I never applied for. 

I have filed several disputes through the credit bureau all of which told me there was 'proof '. I called Amex several times ( Customer service, Fraud, etc ) and they tell me every time I need to get in with the credit reporting department ( XXXX ) and this menu has zero options that reach an operator. Every single option ends the call with no option to speak to a real person. 

American Express refuses to remove this account or even provide proof that the application was mine. Because they have none!!!! 

This company CLEARLY has application verification processes that are too relaxed. This would be ok if they had a robust fraud prevention team, but that is not the case either. INSTEAD, American Express doesn't care if someone who applies for their cards is real or fake, and if they're fake Amex doesn't care to fix it. I guess money is money for them. 

But that doesn't stop them from leaving it on my report and shutting down every dispute I submit through the bureaus. 

This is unfair, my opportunities are being stripped from me, and someone else is profiting off of all of this. 

I need help and American Express is failing me for their own gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have attempted to dispute this issue Bank for several months now sending him letters doing enquiries to them verbally asking them to remove unauthorized hard inquiries that were not authorized as well as removing the false information that they had provided and then had mistakenly remove the entire account XXXX  need to lose a year and a 1/2 of  credit history dropping my scores significantly and now they are not reporting on any credit bureaus they tell me they are when I call the credit bureaus it does not show is reporting and I look at my credit reports it does not show is reporting but XXXX   proceed credit card shares by the fact there's nothing they could do because they're already reporting it I have contacted them and waited for 60 days for the no reply I've had to call them repeatedly in explain over and over with no recovery to fixing my credit and my score back I have had an account open with them for 2 years now and they have completely removed it from all 3 bureaus and I pay it monthly

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 2021-06-01
Company: Coinbase, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
Coinbase withdrew {$990.00} from my Ct XXXX XXXX. ( said they are not liable. )? 
May 10- 12 withdrawals {$190.00} ,5 times. Co. They would have taken more money out if more funds in there. I also filed claim with Ct Banking though i live in Ma. now.

Coinbase has no live person to talk with. Emails are robo auto responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: WELLS FARGO & COMPANY
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I was almost to the end of my payment on the car loan, wells Fargo took the car, the reason for some of the late payments was i had a XXXX babies with in the last 4 years, so i was unable to pay on time.I did pay the car loan off completely, because of my late payments it looks like i am now starting new credit even though i paid up most my credit debt.I have credit for longer then 2-3 months.

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 2020-10-12
Company: Experian Information Solutions Inc.
State: NV
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 accounts that aren't clearly mine. This is a second request to have them removed. Please remove them. I also included my personal documents, and I am not a credit repair nor a mortgage company.

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 2019-09-11
Company: Bread Financial Holdings, Inc.
State: KY
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:
Someone has used my personal information to open or attempt to open accounts in my name without my knowledge or consent. 
I received an alert that an inquiry was made by XXXX on XX/XX/2019 that I did not authorize. I contacted XXXX using the phone number provided with the inquiry and left two messages and have not received a response. I received a alert that an inquiry was made by ComenityCapital/XXXX on XX/XX/2019 that I did not authorize. I called and spoke with someone in the Fraud department who assured me the account was not established and the inquiry would be removed. I have not yet received confirmation of this in writing and the inquiry is still reflected on my credit profile. I received an alert that a new account with XXXX had been reported on my credit with an open date of XX/XX/2019 and a {$370.00} balance. I did not apply for any of these lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: CIT BANK, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I transferred funds from my XXXX Bank account to my CIT Bank account. The receipt shows that the funds were to have been transferred on XX/XX/XXXX : Confirmation : XXXX Transfer from : XXXX, XXXX Transfer to : MONEY MARKET ACCOUNT, XXXX Transfer on : XX/XX/XXXX On XXXX the funds were not in my CIT account so I sent a message through the web site asking why. They didn't answer, so on XX/XX/XXXX I sent them another message, asking them to respond to my message of XX/XX/XXXX. Then I logged into my XXXX account and saw that the funds had been removed, so I sent another message asking what happened. Then I called CIT Bank and spent an hour on hold ( yes really ) before they answered the phone and told me that the funds had been transferred. On XX/XX/XXXX they responded via the message center on their web site that the transfer had been completed on XX/XX/XXXX. On XX/XX/XXXX I saw the funds in my account but they were not available. I sent another message asking them, why it took 3 days for the transfer to be performed ( on XX/XX/XXXX rather than on XX/XX/XXXX per my receipt ), and why aren't the funds available now? They haven't responded. Today XX/XX/XXXX the funds are still not available.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: ENCORE CAPITAL GROUP INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On Tuesday, XX/XX/2019 MCM aka Midland Credit Management called my Job to talk about money that I owe on a XXXX credit card in the amount totaling {$400.00} and for another account on XXXX in the amount totaling {$570.00} I kindly asked them to call my cell phone after XXXX and they insisted to keep me on the phone during my working hours as they have called my Job twice a day everyday for the past week. I told the male sales rep collector that I had already sent out a check for the amount of {$170.00}. Then the manager ( male ) got on the phone to tell me to stop the check and they will not except that payment. I told him I was willing to make payments and pay the total amounts. But he insisted that they would like to give me a discount of 40 % -50 % of what I owe and that I would need to have or give them a XXXX XXXX address for this agreement to work. So, I just heard the guy out in what he needed to say was only {$200.00} for XXXX and {$280.00} only for XXXX even though I insisted making second payment agreements in the future to setup and he said that would not work for this deal. I was under a lot of pressure while being on the clock and they said they were running a special deal offer and will end in XXXX. Also that the deal only worked if they had a XXXX  address to send the White Letter, Payment Agreement, and Receipt on paid in full. I told him I live in XXXX and havent live in XXXX for 13 years now. I really thought that was odd but like I said under pressure. They called from phone numbers XXXX and XXXX. Payment was sent for XXXX. That same week my account had an unauthorized transaction of money taken out and I filed a dispute with XXXX XXXX XXXX So, I didnt know that the payment didnt go through. I dont understand if Im looking to paying it off and I mean the total amounts then they should work with me and not lie about making deals and stopping checks because it was sold to them for pennies and just want to get rid of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-01
Company: VALLEY NATIONAL BANCORP
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have never. authorized any of the accounts below to report to my social security or credit report the XXXX, XXXX and XXXX : 1. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 

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

3. Identity Theft VNB- LOAN SERVICES INC Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/18, my credit was checked by XXXX without my authorization. As a result, someone opened a XXXX XXXX Account No. XXXX in my name and added 5 phone lines. I received a bill in the amount of {$590.00} for services and phones I did not authorize or purchase. XXXX XXXX told me to file a police report, which I did. Since then, I can not even get the XXXX XXXX Fraud Department on the phone. There is a 2-3 hour hold time and no one ever comes on the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: JPMORGAN CHASE & CO.
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Attempted to make a donation onXX/XX/XXXX to XXXX XXXX using my XXXX  card and was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
-XX/XX/2018 a Dispute was open for 3 unverifiable accounts. Within 30 days a response was received as UPDATED and/or VERIFIED. There was no verifiable proof ( an original consumer report with my signature on it ) mailed or emailed to me. 
- XX/XX/2018 a second Dispute was opened where I have requested that the VERIFIED and UPDATED account are sent to me with proof of my signature on the Original Consumer Report. Within 30 days of the dispute A response was received Consumer Disagrees I have yet To receive the original creditors documents with my signature but the account still show on my credit report. 

As for TRANSUNION - The same has happened as stated on XX/XX/2018. 

On XX/XX/2018 a second dispute was opened and I have not heard from TRANSUNION since the Dispute response for 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 2020-02-01
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
To be fair, my letter to Citi 's Executive office went out just recently. I could not find an email or online form ( why not? ), so it went out via USPS mail. 

I have taken advantage of multiple Citi USPS mail offers over the case of the last 2 years always reading the terms of these offers and ensuring that I remain within those terms. When applying for one of these offers I have provided 100 % accurate personal information and in most cases with my excellent credit score, have  been instantly approved for each card. On one occasion Citi did require me to call in to verify my identity ; easy and I was approved. For each card I met the spending requirement and was awarded the miles for that spend and the mandated bonus. So far so good. These have been XXXX XXXX branded cards. Interestingly, the offers stopped coming sometime in the summer of XXXX so that was the end of offers. So I thought. 

On XX/XX/XXXX I received an email from XXXX XXXX Corporate Security announcing that my account had been closed, my total of XXXX miles taken and I was no longer eligible to participate in their frequent flyer program again. And an upcoming flights had been instantly canceled. The letter seemed to be a form letter with clips from some terms included, but there never was an exact, explicit claim explaining what I had allegedly done. From reading online I gathered this was because of the Citi offers I had taken advantage of. Yet I complied with all of the terms of the mailer offers I received ( I went back and double checked ) and Citi approved me for each and every offer. The vague claims included fraud, misrepresentation and somehow exploiting something. Again, not clear at all what I have done to XXXX XXXX to warrant this action. 

So, yes, XXXX  was the actor that seems to have caused this issue. Yet my problem includes and was apparently caused by Citi. I can't say to what level Citi was involved, but the fact that XXXX XXXX has punished me for my interactions with Citi? I want to know what part Citi itself had in this scheme. If Citi is issuing XXXX XXXX credit cards and yet XXXX can decide to close accounts and delete the miles earned from these cards then there is something wrong. In fact, I see that Citi is still promoting XXXX   credit cards. I think anyone applying should be made well aware of what is going on. 

I have credit cards issues by Citi that are no longer valuable without an XXXX XXXX number, including a business card and I will need to close all of these if I can not get this issue resolved. 

I have some supporting documents including the email from XXXX XXXX, if required. I would have kept detailed records if I would have ever thought I would need them. This is totally bizarre and unbelievable.

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 2020-05-11
Company: SLM CORPORATION
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I am not able to pay the monthly payment because of Covid-19.  Sallie Mae is refuting to process my deferment request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
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: Information belongs to someone else

Complaint:
Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX As required by FACTA and in support of my request, I am including a copy of my police report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA,  that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely,

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 2019-10-22
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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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