BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Starting on XX/XX/2016 I started the process of Disputing debt through XXXX XXXX who was reporting XXXX accounts to my credit reports, all the same, account number but different amounts totaling {$570000.00}. I first sent a letter XX/XX/2016, XX/XX/2016 and again on XX/XX/2016 to all 3 credit reporting agencies. I explained these accounts did not belong to me and were unverifiable. All accounts did not meet the XXXX XXXX compliance requirements for reporting accurate data. I included the FTC XXXX XXXX to XXXX ( XXXX ). In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide accurate ( and perhaps not clear ) disclosure of all information in the file. They basically state that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act. 

I provided copies of my 20 different letters copy of my signature required service via XXXX and evidence that both the FCRA and FDCPA were both violated by not addressing the dispute in accordance within the allowed 30 days. 

" I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action XXXX or in-action ) on your behalf will result in a small claims action against your company. '' Lastly I filled a complaint with the FTC on XX/XX/2016 # XXXX as a result of XXXX noncompliance to FDCPA and FCRA.

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 2019-02-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX ; XXXX XXXX XXXX ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ; XXXX XXXX XXXX XXXX ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit 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:
I provided all this information in previous complaints. 

XXXX XXXX XXXX XXXX is a scam. 

I was sold a 'five-year ' policy that I initially rejected. Still, XXXX, on XX/XX/2022 described and showed on a different website that it would apply to my situation ( I am a XXXX XXXX, so most of the provisions did not apply to me ). After reading these fake provisions, I made a purchase of a single policy, which XXXX XXXX XXXX XXXX charged in 2 segments, as XXXX called back and offered to move the 3-year policy to 5 years for an additional {$410.00}. 

When I tried to place a claim for my water heater, they provided a contractor, however, it took the contractor 6 weeks to tell me they would not work with XXXX XXXX because they would not pay them and they would only cover {$500.00} ... but most likely would deny it, as he saw it many times. I called the company with my experiences during these 6 weeks and after, and they showed me the real policy and confirmed what XXXX ( the XXXX ) told me. I told them what XXXX sold me, and they denied it. 

I then asked for a full refund ; they denied it. I asked for a new contractor, as well as submitted 4 new requests for leaks ( which they denied in 30 minutes ). 

I then filed with Bank of America ; this is supposed to be covered as fraud and a breach. It is different than a physical purchase, as this is a 5-year contract and I might not find out the real XXXX XXXX XXXX  until and only if I file a claim. 

Bank of America awarded me {$410.00}, however, XXXX XXXX has not refunded any $ per this date and they have eliminated my account no longer have access to it. 

As they defrauded me with their sales, did not provide service, and will not provide access or service, I require a full refund of {$1100.00} for the contract that was sold fraudulently and they are in breach. 

They never set foot on my property and never provided any service to me ; they are not out of any money ... and per the thousands of consumer complaints, this is the norm for XXXX XXXX XXXX XXXX. 

Bank of America has been lethargic at best ; their 'Special Resolution ' liaison will not talk with me ; I have heard from her less than 3 times in the past 6 months and over XXXX emails, voicemails, and faxes showing the evidence. 

I need help! This should be easy to resolve ; it is why I have a credit card. I need protection from bad actors... I have been a Bank of America executive and client for nearly 20 years.

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 2019-02-24
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have no idea who MERCHANT ADJUSTMENT SERVICE is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. MERCHANT ADJUSTMENT SERVICE is indicating that an account with AN UNKNOWN account # was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized MERCHANT ADJUSTMENT SERVICE as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ MERCHANT ADJUSTMENT SERVICE } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to MERCHANT ADJUSTMENT SERVICE, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2019-03-19
Company: Miller and Steeno, P.C.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
MILLER & STEENO XXXX, XXXX XXXX XXXX, Attorney for Plaintiff XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX This firm put a garnishment on my checking account with XXXX XXXX XXXX on XX/XX/2019.

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 2020-07-20
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX company keeps re-aging my debt so that it shows on my credit report longer than the 7 years allowed by law. I can not get help from the credit bureaus.

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 2019-02-24
Company: Resurgent Capital Services L.P.
State: MD
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:
Resurgent Capital Services has again given another generic response. The are providing their statement of balance with no attached proof, documentation, nothing of original or accurate with this account they are reporting on my credit report inaccurate. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA They havent provided anything that FCRA requires per Section 611 ( 5 ) ( a ) of FCRA ; Section 609 ( a ) ( l ) ( a ) & Section 611 ( a ) ( l ) ( a ) of the LAWS that protect me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: COMMERCE BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On many occasions the bank will post debits from the account first, then charge overdraft fees before posting any credits to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
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: Old information reappears or never goes away

Complaint:
I do not possess this vehicle. this company still reporting this account each month

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 2021-03-27
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
RE : COINBASE ACCOUNT CASE # XXXX In XX/XX/2021 I contacted Coinbase via their website that I needed assistance recovering my XXXX Authenticator, They were able to assist and the problem was resolved, In the meantime I was contacted by phone from someone ( XXXX ) whom I now know was from outside Coinbase Support who knew I was having a " technical '' issue and somehow knew my phone number to contact me. I disconnected the call and again went on Coinbase website and let them know of the contact attempt as they do not call customers. They disabled, locked my account and I have been trying to get my account unlocked ever since. The account recovery process needs to be done from a desktop computer which I have used many times by purchasing a XXXX  app on my phone. Once I did that I completed account recovery several times and it may have had a watermark on the " selfie '' and Drivers License photo, once I realized that I purchased the upgraded version to remove the watermark. The Account Recovery Process repeatedly is coming back as " Cancelled '' with no explanations or help in recovering my account. Its been 2 months now and a lack of Customer Support to resolve this issue. I am attaching all the details and timeline of communication and description of the difficulties in reaching resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-20
Company: Experian Information Solutions Inc.
State: AZ
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 disputed a creditor three times with Experian. They are reporting me as having an account which is incorrect while my correct account is on my report. This incorrect account is not mine and Experian keeps updating it as a negative account. They have refused and failed to verify or validate within the guidelines of FCRA for over 45 days and keeps reporting immediately after I dispute. This incorrect possible fraud account is XXXX account XXXX and the correct account is US dept of Ed 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 2019-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My Bank of America checking account was charged {$1600.00} in which I never authorized on XX/XX/19. I contacted the merchant XXXX XXXX and the Bank of America to dispute the charge. They refused to refund my money eventhough I did not use my card or give anyone permission to utilize it!

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 2018-04-13
Company: ENCORE CAPITAL GROUP INC.
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I check my credit report and I was surprised to find out that I have a collection on my credit report that I have no knowledge of originally stating the company XXXX XXXX  put to collection XXXX XXXX XXXX the amount of {$490.00} opened XXXX2015. I immediatly contacted the collection agency to get an explanation by phone, I explained to them I have no knowledge of this account and asked them to get any kind of proof of me authorizing or any kind of proof that this is mine. They put me on hold for several minutes and then the representative told me to contact XXXX XXXX  to find out why they put me in collections. I contacted XXXX XXXX by phone explaining to them everything I have been through, and asking them for an explanation. After a few minutes putting me on hold the representative said since the account is in collection they can not provide me with any documentation and I need to contact the collection agency. After a few days of several attempts to resolve this dispute with the collection agency and with XXXX XXXX I decided to contact again XXXX XXXX  by phone and asked to speak with a account manager specialist hoping that he will resolve this issue once and for all but it has not been resolved. They just transfer me one to another, and sending me back and forth without providing me any signed documentation. Therefore I ask the CFPB to open a full investigation and order the collection agency to be delete and remove from my credit report with all 3 bureaus XXXX XXXX and XXXX or provide me any signed documentation or any other proof of me authorizing this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The creditor is ruining my life and the debt is not owed. This is affecting me even getting another job. It has received payment for this debt according to Book-entry securities are investments such as stocks and bonds whose ownership is recorded electronically. Book-entry securities eliminate the need to issue paper certificates of ownership. Ownership of securities is never physically transferred when they are bought or sold ; accounting entries are merely changed in the books of the commercial financial institutions where investors maintain accounts. 
Book-entry securities can also be referred to as uncertificated securities or paperless securities. ( Unknown or not made aware off by company to the individual ). Is this a new asset?

1. Is it true that the original creditor or debt collector violated GAAP, generally accepted accounting principles, in turn making the agreement null and void? Yes or no 2. Is it true that the original creditor violated the matching principle of GAAP in that if they accepted an asset from the debtor, the original creditor did not create a liability account showing that there is money owed to them or a debt collector please answer?

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 2018-04-13
Company: Transfinancial Companies, 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: Information belongs to someone else

Complaint:
I was reviewing my credit report and there are two medical bills,, that are on my credit file. One does not belong, to me. These accounts, have been sold to two collection agency ( s ). Trans financial ( which was a account transferred from " XXXX XXXX XXXX XXXX XXXX '' and XXXX XXXX ( which was account transferred from " XXXX XXXX XXXX XXXX '' I don't have any outstanding accounts with XXXX XXXX XXXX XXXX '' and I have never done any business with XXXX XXXX ( collections agency ( s ). Both these collection agencies are in violation, because if a debt has been purchased, they are required to make contact and I am allowed a certain amount of time, to cure the matter. Before it can be reported, on my credit file. Per the Fair Credit Reporting Act. Trans financial, just contacted me on XXXX  2018, a year and one month, after the account, was placed on my credit file. As for the XXXX XXXX account. I have no knowledge of this account, what so ever and it is not my account, nor has XXXX XXXX, made any effort to contact me via phone, email or U.S Postal service. To determine if the account is actually my account or if I would like to cure the debt. A direct violation of the Fair Credit Reporting Act.

As for the tow original credit, per the credit report, neither account holder, has ever made a attempt to contact me via email, phone or U.S Postal service, to determine or validate if this debt is my actual debt or if I would like to cure the matter. How can a matter be cured, if one party doesn't know that the matter actually exist

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24
Company: Phoenix Financial Services LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Unsure what this debt is?

Last Reported XX/XX/XXXX Collection Agency PHNX FINAN Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$1300.00} High Balance {$1300.00} Remarks Placed for collection

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I sold my car, XXXX XXXX XXXX, on XX/XX/XXXX. The dealer sent the check to pay off the loan, which was processed on XX/XX/XXXX based on the confirmation mail from XXXX XXXX XXXX. Since then, XXXX XXXX XXXX  has delayed the lease of the lien, blocking the completion of my car sale over one month. I have contacted them several times, and they have made unrealistic and false excuses. The most recent excuse for this delay was that their request to release the lien was reject by the Virginia DMV, where the title is currently kept. The email communication with the Virginia DMV indicates that they have actually never submitted the request. The car VIN No is XXXX. My account no was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
PNC changed the order of transactions to allow a pending charge of $ XXXX XX/XX/XXXX to pull from the avail account balance before two charges {$2.00} & {$1.00} that were pending 1-2 days prior to the {$20.00} charge and have already posted to the account. Therefore causing two unnecessary overdraft fees of {$36.00} each to be charged to my account on XX/XX/XXXX

Company response to consumer: Closed with monetary relief