BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
IN RESPONSE TO CFPB : XXXX PRA ACCOUNT ENDING IN XXXX OR ANY ACCOUNT ASSOCIATED WITH MY SOCIAL Whom It May Concern : According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. Under the FDCPA and according to recent findings with th

e Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Please know that everything must match Alleged Name and Address of Credit or 1. Name on File of Alleged Debtor : 2. Alleged Account # : 3. Amount of alleged debt : 4. Date that this alleged debt became/becomes payable : 5. Date of original charge off or delinquency : 6. Amount paid if debt was purchased : 7. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 8. Furnish a copy of the original promissory note/agreement redacting my social security number to  prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.

9. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 10. Identify by name and address all persons, corporations,
associations, or any other parties having an interest in legal proceedings regarding the alleged debt.

I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any  furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you. 
Awaiting your reply in a timely manner. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
My identity was used for a bankruptcy filing, the bankruptcy is reporting on XXXX, XXXX and Tranunion as a public record. The bankruptcy filing is fraudulent. I have disputed the information several times, and the agencies say they verify this information from XXXX. XXXX uses a third-party to verify the public record which is not legal because it can't be verified through the courts, directly.

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 2019-02-21
Company: Diversified Consultants, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DCI ( Diversified Consultants Inc. ) have been given repeated opportunities to provide me with any and all documentation that the FCRA enables me to request. FCRA 609 states that I am entitled to see the physical copy of the original consumer signed contract bearing my signature. This documentation or contract that FCRA 609 is referring to is documentation that the credit bureau 's must be shown for any disputed account to be legitimized as 'verified '. DCI refuses to give me a contract yet continues to report onto my credit. I am asking to see all documentation that they have with my social security number, signature, and I.D . 
This company is in full violation of the FCRA by revealing that they only have an itemized bill and absolutely no documentation proving that the account belongs to me, however, they've refused to cease all collection attempts and to delete the account. 
Then, the company informed me that they'd send a fraud affadavit to me. I will and can take ALL legal actions myself, I don't need their help. All I need, is to see this contract prior to me moving forward with local law enforcement. Upon this company providing me with the contract, I will take the documentation to my attorney and local police department as proof that fraudulent activites have taken place. Until then, I need to see this contract ( the only legal binding document that can make me liable for the account ) that was signed in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: EQUIFAX, INC.
State: DE
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 have attached a copy of my credit file from XX/XX/XXXX showing a paid out XXXX XXXX account that I have. The account number is listed as XXXX and the high balance was {$15000.00}. This account was paid out in XXXX of XXXX as noted. I disputed the 60 day late payments during XXXX because I believe them to be incorrect. 

Equifax has now changed the historical delinquency to read that this account WITH A XXXX BALANCE SINCE XXXX, was 60 days late in XXXX and XXXX OF THIS YEAR. I have attached copies of the file from XX/XX/XXXX and XX/XX/XXXX. HOW CAN AN ACCOUNT THAT WAS PAID OFF IN XXXX BE 60 DAYS LATE IN XXXX? 

Someone has clearly changed this historical data AT EQUIFAX. I know it is Equifax and not at XXXX XXXX because the identical trade line on XXXX XXXX and XXXX   still shows the two delinquencies from XXXX and certainly not XXXX. 

This major error has dropped my score more than 30 points. This is clearly WILLFUL NON-COMPLIANCE with the FCRA and is likely subject to punitive damages in a court of law. The damage to my financial position and the costs for credit will all be part of such an action should I file it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started an application with Citibank for a refinance of my home loan XX/XX/2020. 
After multiple requests for paperwork which I complied with, the loan officers did not review or process the loan until XX/XX/2020, close to a 5 months lack of action on my loan, causing me to lose out on interests savings. I withdrew the loan XX/XX/2020 after making multiple failed requests to my mortgage representative, XXXX XXXX, to accelerate the processing of the loan. The mortgage representative agreed that they did not deliver ( I have it on email ). 

I simultaneously requested for a refund of all the fees paid {$750.00} on XX/XX/XXXX that was intended for the processing of this loan ( all  evidence in email ), and since the bank did not do their part, I should not be expected to pay those fees. My mortgage representative did not make the request on her end and when I called her on XX/XX/XXXX, she said that I did not request for a refund and therefore she did not do it, which was untrue as I have since forwarded her the evidence of my requests. I would like to submit a complaint against this terrible service provided by Citibank and request for a refund of my fees.

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 2020-05-29
Company: EQUIFAX, INC.
State: AL
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:
There are accounts on my credit report that does not belong to me XXXX XXXX and XXXX XXXX XXXX  needs to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: KEYCORP
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened the key bank checking with {$200.00} welcome promotional bonus after {$500.00} direct deposit.

After opening this account, I

contacted the Keybank to see whether the promotional code has been applied to my account, but it showed no code had been attached. And the CSR helped me to attach the promotional code again. After I met all requirement, I noticed the bonus was not posted. Then I contact Keybank, but they declined this bonus, saying the promotional code was not attached on the first day. But I did input the promotional code when I opened this checking account, and don't know why it was not here at the beginning. I feel it is very wired, and Keybank just play tricks to decline the bonus. Please help me on that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: IQOR US INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
every day at XXXX the call start and they dont stop all day long they call at XXXX XXXX today theyve already made eight calls to me I receive no mail I received no message as call and hang up every day Monday through sunday

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 2020-12-07
Company: Experian Information Solutions 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 recently started to monitor my credit with extra time on my hands this year with me not being employed and I notice someone has stolen my identity I have several fraud accounts in my name I have tried getting this resolved credit agencies and they are not helping ..

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 2020-07-10
Company: Experian Information Solutions 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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible

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 2019-05-30
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
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:
In XXXX of 2019, I contacted XXXX XXXX and asked to set up an auto-draw on my account for future payments. I assumed that was done until I received a call in XX/XX/2019 from an account representative stating that my account was past due. I again set up a payment to be auto-drawn from my account on XX/XX/XXXX. That payment wasn't drawn from my account and I had no idea it wasn't until I got a notice from XXXX stating that I had a 30 day late on my credit. My credit score went down 55 points. I have never in my life had a 30 day late on my credit. When I called XXXX XXXX, they were unwilling to help. They told me that I would have to provide proof that I had set up the account payment. Since it was over the phone and I was working at the time, I never received anything like that. I feel that it is unfair that my credit is ruined because XXXX XXXX didn't auto-draw the payment and now they are unwilling to help me. I need some assistance in getting this straightened out. My good credit is ruined for a mistake on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
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: Information belongs to someone else

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: EQUIFAX, 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:
Hi, My name is XXXX XXXX XXXX, I am writing to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items.

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I HAVE A MORTGAGE ACCOUNT WITH XXXX XXXX FOR MANY YEARS & THEY'VE BEEN SENDING ME HARRASSMENT LETTERS ABOUT MY MONTHLY PAYMENT BEING BEHIND. ACCORDING TO MY RECORDS I DO HAVE HAZARD INSURANCE WITH SAME COMPANY FOR SEVERAL YEARS NOW. THEY SENT ME A ESCROW ANALYSIS ON XXXX & THEY ADDED THEIR OWN HAZARD/FIRE INSURANCE FOR THE AMOUNT OR {$4300.00} PER YEAR, SO MY MONTHLY PAYMENT WAS RISED FOR {$500.00} MORE THAN MY REGULAR SCHEDULED PAYMENT OF {$1200.00} TO {$1700.00} BECAUSE THEY SAID MY ACCOUNT IS SHORT. THEY ASKED ME BACK IN XXXX TO SEND COPY OF MY HAZARD POLICY AND I DID SENT IT QUICKLY SO THEY COULD ADJUST MY MONTHLY PAYMENT. I HAVE BEEN CALLING THEM FOR ABOUT 4 MONTHS NOW AND THEY SAID THAT MY PAYMENT IS CORRECT THAT THEY ARE KEEPING MY MONTHLY PAYMENT FOR {$1700.00} AND HAVE I'VE CALLED & BEEN TRANSFERRED TO DIFFERENT DEPTS. EACH TIME I CALL. NOW I OWE XXXX & XXXX AND THEY SENT ME A FORECLOSURE LETTER. I HAVE RECORDS THAT MY INSURANCE IS ONLY {$800.00} PER YEAR WITH XXXX AND ALSO HAVE RECORDS THAT IT WAS RENEWED BACK IN XX/XX/2017 AND US BANK MADE THE PAYMENT.

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
Consumer complaint received 2017-12-19
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Creditor : National Credit Systems XXXX XXXX XXXX XXXX XXXX GA, XXXX PH : National Credit Systems is not the original creditor or owner of this debt. It shows that it was XXXX XXXX. This company and their corporate office was contacted and stated they have no records of any DEBT ever owed in my name. Account under the last name XXXX This account DEBT is not mine and was created through identity theft. I have been disputing this DEBT for years with the credit bureau 's and the creditor. The creditor has never responded to any of my certified letters that I have sent them. XXXX responds every time that the DEBT was verified but no proof provided so I can turn the info over to the FBI.I filed a complaint against this creditor with the Better Business Bureau in XXXX but they have not did anything. XXXX  continues to ignore my disputes and refuse to delete the fraudulent account. When the Idenity theft occurred I met with the FIB and reported this case and the credit bureau 's were notified at that time. However XXXX stated they ca n't find the Idenity Theft documents in their file. I want this DEBT removed immediately and National Credit Systems be held liable for damages. National Credit Systems redponded to the last complaint I filed with CFPB asking me complete a Affidavit Idenity Theft form. Attached to the for they stated I should not share the form with CFPB or any other company or agency.???? Im sure due to them know they would be subject to exposure of violation of the law or my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
I previously had a Coinbase account, where I would invest money. The account has locked me out, forced me to withdraw my funds, and will not allow me to re-create my account. It says I was in violations of XXXX. XXXX has referred me to this complaint process to remove my name from whatever list I would put on so I can create an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On XX/XX/XXXX I requested Transunion investigate the XXXX XXXX account ( XXXX ) that is reporting as a CHARGE OFF on my credit report. 

According to my credit report, the account was last updated XX/XX/XXXX. Meaning that Transunion has never investigated the account once the dispute was initiated. This is a violation of the 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 non-monetary relief
Consumer complaint received 2019-05-30
Company: SYNCHRONY FINANCIAL
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I sent 2 transfer forms along with a letter of instruction to XXXX ( will be the receiving bank ) to send to Synchrony ( the bank to transfer the funds ) so that this would not happened. One account was handle okay and the second, MMA Roth IRA ending in XXXX was not handled according to the document. It clearly states the amount to be transferred, and the letter clearly states not to close the account. 
I received 2 emails one telling the the account was closed ( so where is the balance? ) and shortly after another telling me the account is active ( so where is the balance? ). I logged in to find that they transferred the entire balance, which is not what is stated on the transfer form.

This is the second time that this has happened and the 4th error they have made. I called to get it corrected and was told no one was available ( the usual ) and no one could call me back shortly. The last bout took 2 months to clear up. 
Attached are the emails I received the email I sent to them securely the transfer form and my account showing that they took the wrong amount and closed the account. 
If this didn't happen to me I would not beleive that they could make this error again.

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
Consumer complaint received 2020-10-23
Company: EQUIFAX, INC.
State: NJ
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 was enrolled in a covid forbearance for two months XXXX and XXXX of 2020, due to job loss for my two XX/XX/XXXX accounts. I was told the accounts would not report more past due than what they were due to the fore forbearance. Neither account was 30 days past due when I enrolled, so the reps at XXXX XXXX all advised my account would be reported as current. I received a notification, saying my accounts had been reported to the bureaus as past due. One account was reported 30 days past due for {$1.00}. I have spoken to endless supervisors and written letters of dispute to both XXXX XXXX and all three of the bureau. They didnt do a good job investigating this issue, as they responded back a day later saying it is verified.XX/XX/XXXXXXXX claims they opened their own investigation which took a month and advised their investigation was completed and claims I was not enrolled in forbearance when I was since my payment due screen was XXXX. They said the rep I spoke with must of forgotten to enroll me. The bureaus automatically side with the creditor and didnt investigate this properly. I wrote them all a letter and disputed these three collective late payments online. No one will help.

Company response to consumer: Closed with explanation