BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-17
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:
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 explanation
Consumer complaint received 2018-06-19
Company: Simon's Agency, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I attempted to reach out to this company and ask that they verify this account was mine. At this time I have received nothing. I sent a letter XX/XX/2018 and asked they show ownership. I reached out to the credit bureau and at that time was told I needed to speak with XXXX again and no response. From there I wrote another letter asking for this to be removed from my credit and contact with me cease. At this time I am currently getting threatening calls and was told the agency will contact my local District Attorney office and have me arrested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: EQUIFAX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-29
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Thank you for taking the time to review my complaint. In XX/XX/2016 I was granted a car loan with assistance from my mother. With my mother as co-signer, the vehicle had high payment with a high-interest rate. Understanding the laws of unfair sales practices, a co-signer shouldn't be a liability. When there's a transfer of risk, according to laws, being placed in a financial burden is illegal. Being young at the time, the first vehicle, payments were made according to term agreement. Within the second year of the contract, the vehicle experienced a major decline with issues. Vehicle costs increased within the second year of the contract. Unable to maintain both costs of maintaining the vehicle ; our decision was to return the risk which was placed with us.

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: EQUIFAX, 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 status incorrect

Complaint:
XXXX reported a late payment on my account for XXXX 2019 despite confirmation payment numbers. I spoke with XXXX in XXXX regarding a separate question about my account and was told at that time ( around XX/XX/XXXX ) that my account balance was XXXX and I was up to date. A payment entry error occurred on their part and I did not know the account was considered late until it was reported to the credit bureau. I immediately paid XXXX as well as XXXX XXXX in the first week of XXXX, XXXX payment was due on the XXXX and I paid the amount by XX/XX/XXXX or XXXX as well as the payment due for XXXX XXXX. When documentation and proof was provided to XXXX, the information was rectified ; however, I have disputed with equifax 5 times since the problem and they will not remove the negative information. XXXX told me they could not " undo '' the report once it was filed. I asked them why it was reported to begin with since I made the payment and they explained that though it was entered incorrectly on their behalf, the account still shows past due and it automatically goes to the bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-07
Company: EQUIFAX, 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:
I filed a dispute with EQUIFAX regarding inaccurate credit report. I filed bankruptcy 10 years ago and this should not be on my credit report according to Fair Credit Reporting Act. EQUIFAX did an investigation, but did not resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
The previous I was a complaint credit card/debit isn't resolved my disputed. The banks only proved what they are credit back from XX/XX/2013 to XX/XX/2013 not credit back from XX/XX/2013 to XX/XX/2013 & before XX/XX/2013. I can not access to my business account to provide my business missing credit 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 2018-02-02
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX, got adviced by Coinbase support to create a new Coinbase account. As my old account is no more accessible due to authentification issue, that would allow them to transfer the balance from my old account to the new one. 
On the same day, I did create a new account, I mentionned to Coinbase Support my old account and new account emails. 
Still on same day, Coinbase Support then informs me that they're working with a specialist in order to perform the balance transfer from my old account to the new one. 

Then, no news from Coinbase Support, while my money is locked for almost one month now. Got no answer from email sent after to Coinbase Support, no answer from XXXX Coinbase Support user " XXXX '' in order to try resolve my issue. 

Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
In XXXX I received an offer from XXXX XXXX about a debt that I owed to XXXX XXXX XXXX. I was told if I paid the required amount that the debt would be removed from my credit file including the balance that was being reported by XXXX XXXX XXXX. I paid the balance and XXXX XXXX did in fact deleted the negative entry off my credit. However, XXXX XXXX XXXX still refused to delete this account off my credit. I called XXXX XXXX XXXX on many occasions and I was told that they are no longer reporting this account. I was told to put file a dispute and send a copy of my credit report showing that they are in fact still reporting negatively on my credit and the account would be removed but they failed to do so. XXXX XXXX XXXX continues to report that I failed to pay even after the debt was settled with XXXX XXXX. The last report date was 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 explanation
Consumer complaint received 2019-01-17
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Within the past couple of months, I have been getting phone calls from XXXX XXXX who apparently works for a XXXX XXXX XXXX XXXX. He leaves a recorded message : " This is XXXX XXXX with XXXX XXXX XXXX XXXX. I have a summons in hand for you. I am scheduled to go out to your home and place of employment within the next 24 to 48 hours.  Please make yourself available with two valid forms of ID. If you are served your summons at work, your supervisor or head of security will need to be available to sign off as a witness. Please be advised failure to sign for the summons may result in a missed court appearance. If you have any questions or concerns, you can contact the party that is filing against you at XXXX or you can press 1 after the tone to be connected directly. '' This loan that they are referencing is over ten years old. The vehicle was repossessed while I was incarcerated. 
They have no valid right to collect on this loan as it is dead. It has been charged off. This company is not the original creditor. I'm sorry they bought the loan for pennies on the dollar. I am not liable for it any longer. 
They have repeatedly called my house to harass me into paying this debt. 
They have contacted my friend via her wireless phone to say the exact same quoted words above. She pressed 1 and was connected. The person she spoke to told her that they were trying to collect on a debt I owed and that I would be sued and need to go to court to rectify the situation. 
I tried to call this company back. When a woman answered, I asked what company I was calling. She refused to tell me and told me to not call there again,. She then hung up the phone on me. I tried to call back several times and each time someone picked the phone up and immediately hung up on me again. 
I'm trying to call right now to get additional information on why they have been calling me. A XXXX answered and said the company was XXXX XXXX. When she confirmed my name, she placed me on hold. When she came back on the line, she told me that paperwork was already sent out. The last time they contacted me was XX/XX/2018 and this is when they said 24-48 hours a summons would be delivered. Nothing was delivered thus far. XXXX told me not to contact their office any longer because I asked them not to contact me or my friends. They contacted my friend XXXX XXXX AFTER I requested no more contact from them. I was just following up with that XX/XX/XXXX phone call. XXXX told me I was childish. I told her that her schtick was a scam. She told me she was going to file harassment charges. I told her to do what she needed to do as I would do the same since they have not ceased contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: Bread Financial Holdings, Inc.
State: AR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
PER THE LAST COMLIANT NO.XXXX, WHERE I FILED CLAIM ON XX/XX/2017 AND THOUGHT THE PROTECTION WOULD DISCHARGE SAID DEBT NOT BANKRUPTCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: EQUIFAX, 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:
wrong info : FCRA violations : XXXX XXXX XXXX, LA, XXXX XXXX XXXX XXXX XXXX XXXX, LA, XXXX XXXX XXXX XXXX, LA, XXXX They forgot to put good trade-lines history but remembered the bad ones! 
FCRA violations : see attachments for all the evidence you'll ever need see here also : 1 ). 
XXXX XXXX {$0.00} Closed Unknown payment history 2 ) XXXX XXXX XXXX {$0.00} Closed Unknown payment history Account Info Hover over labels for more details Account number XXXX 3 ) .XXXX XXXX {$0.00} Closed Unknown payment history Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving Balance on XX/XX/XXXX Credit Limit {$0.00} {$500.00} more mistakes no banks or credit union lends to someone that didnt pay them so this has to be a mistake looks at the date : SEE attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: Experian Information Solutions 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:
Inaccurate account information is reporting on my credit report. Account number XXXX from XXXX XXXX for {$580.00} continues to remain on my XXXX and Experian report after several attempts to dispute it with with both credit bureaus. This account was disputed and deleted from my XXXX  report on the dates of XX/XX/XXXX, XX/XX/XXXX. I have documentation to verify this. 

Which means that it was added back to my account twice illegally under a different amount, {$580.00} without any notification.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
On XX/XX/2021 I mailed in letters along with a photocopy that I printed of my license and social security card. I have yet to hear any response with either validation of these inaccurately reported items or notifications that they have been removed. 
I am aware that according to the FCRA laws they are required to act within 30 days. Its been 60 or more days at this point and my rights are seriously being violated. 
Ive tried to contact these companies via phone and been given the run around. I demand that these companies uphold the law or proper litigation will follow these complaints.

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: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
If you can not provide me a copy of verifiable proof after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Navient Solutions, LLC.
State: NY
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 am a co-signor for my son 's student loans. I have been paying Navient monthly for over 7 years without a missed payment. However, every year Navient has increased my monthly payments every year to the point where I can not keep up. Recently, I have made money order payments up and until XX/XX/2019. Navient has sent false and negative reports to my credit bureaus that I am currently 60 days late on my monthly payments. This situation with Navient is out of control. I need your immediate assistance on this matter. My credit score as of tonight has been negatively affective. The main location of Navient is located XXXX Delaware.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
I have sent letters requesting documentation about accts if theae accts are verified i would like documentation that they received to verify sent to me for verification. These accounts are incorrect and Equifax. Has not removed info or verified information like i requested. There is a bankruptcy and 2 XXXX XXXX acct. All i asked for is for this information be verified and if not remove items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-04
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I decided to not receive overdraft protection and still incurred an overdraft fee of {$36.00}, which is a violation of regulation E

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
After notifying Transunion that I am a victim of identity theft, I requested a number of accounts be blocked as they are a result of identity theft. Meaning, I did not authorized sign or agree to their opening. Transunion, presumably accepted my request but without notifying me, converted my request to a dispute instead. Which is in violation of Then 30 days later sent me a correspondence stating they verified the information as belonging to me. This could not have been so, as my identity was stolen and used without my consent and knowledge. So my question is, what did Transunion verify? Additionally, Transunion refused to block these fraudulent accounts as identity theft, but they placed an identity theft fraud alert on my credit report. Again without notifying me that they accept my request in part. Lastly, Transunion has a history of refusing me access to my own reports, allowing un-authorized disclosures of my report and creating duplicate files for me and placing negative outdated credit accounts on it, and distributing this information to requester of an accurate credit file. Transunion refuses to block the following accounts and refuses to provide proof that I am the owner of these accounts because they know these accounts are identity theft they just want to continue to get paid for reporting fraudulent information. Please help me get these fraudulent items blocked from my credit file. 
XXXX XXXX**** {$470.00} XX/XX/XXXX XXXX XXXX**** {$5700.00} XX/XX/XXXX XXXX  XXXX**** {$1300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX**** {$0.00} XX/XX/XXXX XXXX XXXX**** {$24000.00} XX/XX/XXXX XXXX XXXX**** {$24000.00} XX/XX/XXXX XXXX XXXX XXXX**** {$24000.00} XX/XX/XXXX XXXX ( Original Creditor : 10 XXXX XXXX XXXX ) XXXX**** {$62.00} XX/XX/XXXX XXXX XXXX**** {$490.00} XX/XX/XXXX XXXX XXXX**** {$84.00} XX/XX/XXXX XXXX XXXX XXXX**** {$18000.00} XX/XX/XXXX XXXX XXXX XXXX**** {$270.00} XX/XX/XXXX Collection/Chargeoff

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: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 we completed a bill pay via XXXX for {$100000.00} to PenFed Credit Union. Our bank XXXX confirmed that the money was accepted by PenFed on XX/XX/2020. However, despite numerous follow ups and providing proof of payment from XXXX, PenFed claims they can't locate the transaction. We also provided proof of the prior payment via the same method of {$2100.00} on XX/XX/2020 that was posted to my account on XX/XX/2020. 

It is nearly impossible to get through when we try to call, on average we had to wait at least 1.5 hrs for someone to answer. We even sent at least 2 communications to the Office of the Chairman of the Board XXXX XXXX XXXX and still no respond from anyone. Sounds like PenFed had some kind of system upgrade and they are not able to account for money that they are getting from their customers. We've lost countless hours on this, plus the anxiety and stress this is causing me and my wife. We are looking for immediate respond from PenFed on where about of our money that they received. Since it is an electronic payment that was accepted, my bank XXXX can't recall the 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 monetary relief