BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

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 2020-12-12
Company: EQUIFAX, INC.
State: UT
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 submitted a dispute via letter with Equifax on XX/XX/XXXX and it is now XXXX/XXXX/XXXX and there was no response and Equifax is non compliant with the investigation an did not response in 30 days and do a proper investigation. The law states that they have 30 days to responded and to do my investigation. I asked for them to provide proof that I was late on XX/XX/XXXX on the XXXX account reporting on my credit report and they did not provide an investigation on the account in question to correct the inaccurate information within the laws timeframes which make them non compliance and in violation. I was never late on this account, all that I ask is that they correct the XXXX account as never late and to update the alleged XX/XX/XXXX late to a positive standing and showing the account as never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: Receivables Performance Management, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Receivables Perfom is currently reporting a paid Collection account on my most recent XXXX Credit Report. 

The debt was paid to the original creditor. It was not paid to third party. 
Written request for complete information concerning the debt have not been answered nor addressed as of today.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I transferred XXXX euros to Coinbase by bank transfer. The money was not there the day after so opened a support ticket. 9 days later they replied with a generic response. I have contacted them many times since but still dont have the money in my Coinbase account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: Receivables Management Corporation
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2018 I had a medical procedure done at XXXX XXXX Hospital. The original bill of the hospital was {$20000.00}, the plan paid {$9300.00} and I had to pay {$3900.00}. Funny, the bill was itemized and I was charged for services I did not receive, they said they were available to me? One of the services was Physician {$15000.00}. My plan paid {$7300.00} and I paid {$3100.00}. A month later I received another invoice for the same procedure from the physician Dr. XXXX XXXX from XXXX XXXX XXXX in XXXX, SC in the amount of {$1100.00}, plan paid {$68.00} and they said I owed {$29.00}. I contacted the office and explain this was a double bill for the same procedure. The bill was turned over to Receivable Management Corporation on XXXX XXXX XXXX, SC. They used the strong armed tactic threatening my credit even after I explained this is a double bill. Then Receivable Management Corporation put this {$29.00} against my credit report. With the XXXX Credit I filled a dispute because this is a double bill for the same procedure. All they did was verify that the dispute was in my name, not whether it was a valid dispute. Everyone is saying the physician can charge you whatever they want to and the insurance does not question, they just pay. The final part to this story is Dr. XXXX XXXX tried to XXXX me. Because of his incompetence I had to be hospitalized for 4 days in XXXX with XXXX XXXX XXXX because he refused to treat me correctly for my symptoms.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
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 information incorrect

Complaint:
I am on an income based payment plan and was informed that the interst would be separate form the principal balance, however my credit report is reflecting a higher amount and is adversely affecting me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: SYNCHRONY FINANCIAL
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I transferred money from a money market and two savings accounts located at Synchrony Bank on XXXX XXXX to an external account. I spoke with a rep on XXXX XXXX to verify I made the transfer request. My money left Synchrony on XXXX XXXX possibly the XXXX but was not in my external account. I spoke with a rep on XXXX XXXX inquiring about the transfers and where was my money. XXXX ( rep ) assured me my money would be in external account on Friday. On Friday my money was back at Synchrony so I called and spoke with XXXX again. XXXX needed to speak with a supervisor so I asked to speak with supervisor instead. I spoke with XXXX ( female ) who explained the bank made an error and offered me a free wire transfer, she assured me my money would be in the external account on Friday. XXXX informed a wire transfer would be much faster and safer than an account to account transfer. As of today, Monday XX/XX/XXXX I still do not have my money. I spoke with XXXX and XXXX and neither could give me a reasonable explanation other than it needed to be verified. XXXX informed he did not know when my money would come. The external account is an account Synchrony receives money from every two weeks. I transferred money from the external account into my Synchrony account Saturday and I have a record it left the external account today. There is no reasonable explanation of me not having my 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 2017-12-04
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX stole my home. I was approved for thr princiapal reduction program and Ocwen denied me knowing that is the only way i could keep my home. because i have proof that they denied me with Ocwen onXX/XX/XXXX never telling me when i called on XX/XX/XXXX to tell Ocwen i got us more time they just need to call kyhc and let them know you are working with like you did last month. on XXXX i sent O more info like they want and got loan docs. on XX/XX/XXXX. by the time i figured out what Ocwen did my home was foreclosed on. I have all the proof. please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: Midwest Recovery Systems
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 have been a victim of identity theft and it seems that this will be a never ending miserable issue for me. The credit cards with XXXX XXXX XXXX were opened fraudulently not by me. I disputed these accounts with the original creditor and all thee bureaus and the accounts were deleted from my credit file. I submitted a police report for these fraudulent accounts as well. Now, these accounts are in collections and reporting on my credit files again with a different creditor, Midwest Recovery Systems. This is not only frustrating but it is also causing a negative impact to my credit file for an account I never had!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have repeatedly requested validation of a debt that is being reported on my credit report by XXXX XXXX XXXX. They have only sent print outs of statements that dont even have my full name or signature on them. They state XXXX is the creditor but they dont provide copies of ANY contracts : a contract with my signature on it with either party, and no contract that shows XXXX XXXX owns this debt and they have authority to collect anything. They stated they have fulfilled my verification request. Per the FTC, print outs of statements are not validation of a debt and do not stand up in court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-24
Company: Southwest Credit Systems, L.P.
State: NV
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 had a XXXX account and moved to an area that didn't offer it. I closed the account and they falsely charged me an early termination fee of {$120.00}. Over the next year we spoke to more than 12 different representatives, all of whom told me it would be removed. In XX/XX/XXXX I received a collections letter from XXXX XXXX for this charge. I called & spoke with XXXX and XXXX ( employee ID XXXX ) apologized and issued a {$200.00} credit to our account. ( Confirmation number XXXX ) I sent the letter and confirmation of credit to the credit agency. On XX/XX/XXXX I  received a letter from Southwest Credit stating that their investigation confirmed that this amount was due. I called and spoke with supervisor, XXXX, who stated that they did not own the debt & that there was nothing they could do. This is false, as XXXX XXXX is the agency that reported this on my report. I then called XXXX and was informed that they had improperly applied the credit to my account AGAIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: National Credit Systems,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:
XXXX XXXX At XXXX XX/XX/XXXX 2012 I contacting the collections agency and there is no way to contact the original debtor. I was a victim of a property manager there who copied court ordered documents and switched the dates in order to force evictions and get judgements. The company no longer exist and it has affected my credit and any possibility of renting another property. I have been trying to get this problem resolved for sometime now. The amount is {$3400.00} and is handled through National Credit Systems XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: Capital Accounts, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Performed XXXX procedures on my sons XXXX that i did not consent to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: CITIBANK, N.A.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My wife received a call from someone who said they represented CITI Bank. They started saying we owed money, which we do not. They threatened her and that they would call her work. We have already been through this last year before with another bogus outfit and filed a complaint on them, which is listed. We have proof this debt was paid. 

This company is called XXXX XXXX ( what a joke! ) and their number is ( XXXX ) XXXX. 

Thanks, 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 explanation
Consumer complaint received 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX XXXX {$5800.00} XXXX XXXX XXXX {$140.00} XXXX XXXX  XXXX {$110000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I opened a account with XXXX XXXX XXXX on XX/XX/XXXX the car was illegally repossessed in XX/XX/XXXX. Santander charged off the account as a loss. However Santander was still reporting the original balance of the loan even though the car was sold at a auction. I never received a XXXX nor a bill of sale from the auctioning of the car. Santander sold the debt & states that they no longer have credentials to it & for me to contact the collection agency. However there is no listed collection agency for this debt AND Santander is still incorrectly reporting this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: ID Analytics, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Both my self and daughter have requested numerous times to have a freeze placed on our consumer credit files. 

We have certified acknowledgement that both XXXX and XXXX XXXX have received our requests. As of today, we still have people searching our credit without authorization to do so and false claims on our credit. With the breach of XXXX and our mail stolen ( with Police report ) we have requested with the 3 credit reporting agencies to put fraud alerts as well. 

My daughters credit report was obtained by a mortgage office ; however, we expected to be able to release the check for 24 hours to allow them to pull report. There is NO FREEZE on these accounts. 

If we don't receive the cooperation, we will file a small claims court action to protect our 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 2019-02-14
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 information incorrect

Complaint:
in my credit report XXXX XXXX XXXX ACCOUNT # XXXX is showing a late payment 0n XXXX XXXX.The information is incorrect. I sold the car on XX/XX/2018 as showing on document upload in MY FIRST DISPUTE. 
The late payment on XX/XX/2018 is incorrect. Please delete and correct the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Problem with personal statement of dispute

Complaint:
this account is unknown to me, the collector did not verify. Send documentation of proof

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
For approximately two years my credit score has been tampered with false score reported by the three bureaus. Score drops as high as 18 points were attributed to auto loan paid on time. I have not been late with any car note payments in 17months. There are two fraudulent claims on my credit, which I have disputed several times individually with the bureaus. In addition I've reached out to the company who placed the claim on my credit, they refused to discuss the details of the charges, they refused to provide a solution. Nothing ever came of the disputes and the same two fraudulent claims were placed on my credit every few months and listed as new debt, causing my score to plummet even more. my current score is not reflective of my credit history. Speaking with the bureaus have yielded no solution and my credit score remains under attack. on one occasion a incorrect account was placed on my credit causing it to decrease by 59 points but when it was resolved my score remained effected negatively.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-24
Company: LEXISNEXIS
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: Old information reappears or never goes away

Complaint:
Both my self and daughter have requested numerous times to have a freeze placed on our consumer credit files.

We have certified acknowledgement that both XXXX and XXXX XXXX have received our requests. As of today, we still have people searching our credit without authorization to do so and false claims on our credit. With the breach of XXXX and our mail stolen ( with Police report ) we have requested with the 3 credit reporting agencies to put fraud alerts as well.

My daughters credit report was obtained by a mortgage office ; however, we expected to be able to release the check for 24 hours to allow them to pull report. There is NO FREEZE on these accounts.

If we don't receive the cooperation, we will file a small claims court action to protect our rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20
Company: Dovenmuehle Mortgage, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This is in regards to DMI mortgage/http : //www.dovenmuehle.com. A simple payoff statement has been requested XXXX XXXX. Not received, requested another XXXX XXXX. I still have not received a payoff statement as requested by mail twice. Issued a notice of error via certified mail. They have not contacted me in attempts to resolve the issue promptly. I have received a mortgage payment receipt from them this month. Proving no issue with address or demographic information. DMI has failed to provide a payoff statement.

Company response to consumer: Closed with explanation