BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
There is a consumer statement included in my credit report that I believe should have been removed years ago. Transunion added a comment beneath the statement saying that " this statement has no expiration date. '' The statement is in reference to an entry that has previously been removed by Transunion in XXXX of XXXX ... removed over 3 years ago, as the result of a complaint filed with the Consumer Financial Protection Bureau. I believe that once an entry has been removed, that all information or statements related to the entry should also be removed at the same time. 
Note : I wrote a letter to Transunion trying to get this issue resolved on XX/XX/XXXX and on XX/XX/XXXX, Transunion responded by sending me a response where they denied my request to remove the statement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-05
Company: Plastiq Inc.
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I setup an online account under my company with Plastiq through their online site. I never used their services. I attempted to close the account and deactivate but there is no option to do so through their online system. On XX/XX/21, I notified the company through their customer service email XXXX to cancel my account. I provided the email address in which I was still receiving notifications of account status. On XX/XX/21, I received a response from their support stating that the account had been deactivated. I continued to receive notifications. To this day ( XX/XX/21 ), I am still receiving notifications about my account from their system. I have contacted them about six times concerning these notifications and to delete any accounts associated. The company has responded twice stating that they are escalating the issue but I have had no resolution and no follow up communications. 

I believe this company has no intention to removing my information from their system as requested.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I decided that I no longer want to use Coinbase cryptocurrency wallet, so I closed/deleted an account ( with XXXX funds on it ). On XX/XX/XXXX I was trying to sent my Ethereum from 3rd party website to my currently used wallet, but I accidentaly sent it to a address associated with deleted Coinbase account. I imediately contacted Coinbase support via e-mail and also made a post on XXXX  ( XXXXXXXX XXXX XXXX ). From Coinbase support I got an irrelevant ( probably automated ) reply that all transactions all irreversible. I also got contacted from one of the Coinbase XXXX moderators via the support ticket. She told me that my transaction was found in system and I should recreate my account so they can assigin my transaction to it. So I did that, replied and from that point I'm only waiting. It will be more than month now and I still didn't recived any reponse from them. Also, few days ago, I opened another support ticket, where I asked if they could finally look onto my problem. I will attach copy of both e-mails in .pdf file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America is claiming that I owe them {$740.00} due to a " duplicate deposit. '' On XX/XX/2019 I made a mobile deposit that cleared my account. Over a week ago I was in the process of making another deposit and noticed my account was overdrawn. I tried contacting Bank of America by calling the XXXX number and was told I needed to visit the branch because they were not able to provide me with an explanation other than a duplicate deposit was made. I was finally able to obtain a local number and called them and they insisted I needed to come in. I took time off of work and met with a representative which is stating that the same check was deposited on XX/XX/XXXX and that XXXX XXXX XXXX ( issuer ) have retrieved this amount from BOA because this check had already been paid. My employer contacted XXXX XXXX and was told that this check was only claimed on XX/XX/XXXX and they do not have any record of the check being cashed twice. I relayed this information to BOA and they continue to fail to provide me proof that this check was credited twice to my account and thus justify this debit or chargeback on the XXXX. I did not receive this money twice, it does not appear as a credit or deposit twice and actually was just notified this week of the issue in writing by BOA after I expressed the concern. Now, I have automatic debits going into my account for which I am incurring overdrafts charges for because I refuse to deposit my payroll in this account. BOA continue to take my money without an explanation and/or correction of this error. My account was not credited twice for this amount nor does XXXX XXXX show that this check was " cashed '' twice. I have made multiple attempts and I have taken time off of work to address this with BOA to no avail. I respectfully request your assistance with this issue.

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 2018-03-25
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Inam making payments for 3years but rhey keeping on adding fradulent articles and even sheriff dept was reported and they told me that its okay and we got it but never stolped or investigated the matter. its a serious issue and i was told to consult your agency. I have good faith in you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I had a XXXX XXXX credit card I got in 2014. I just did a settlement on this account and was told it would be deleted from my credit report. It is still showing up and its hurting my credit. I have sent numerous requests to have it removed and its still showing up. I would like this account removed immediately from my Credit report and sent an updated copy of my report when item has been removed.

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 2019-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
My social security number is being misused and sold on the black market by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California, XXXX This has led to the misuses of my social security number and various accounts being opened in my name that were not authorized by me. These are the accounts on my credit that are invalid XXXX XXXX Opened XX/XX/XXXX for {$520.00} XXXX XXXX Acct # XXXX Opened XX/XX/XXXX for {$300.00} These accounts are fraudulent and must be deleted

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 2017-12-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I BELIEVE THE CREDIT REPORTS ARE SHOWING MY " FBN '' AS HAVING A SOCIAL SECURITY NUMBER AND PERSONAL CREDIT. THIS MAKES ME LOOK LIKE A UNAUTHORIZED PERSON WHEN I USE MY SOCIAL AND MY NAME TOGETHER ON ANY APPLICATION. 

I HAVE BEEN DENIED OPPORTUNITIES AND SUFFERED DAMAGES. 

I HAVE YET TO SEE ANY ORIGINAL INSTRUMENTS IN THERE ORIGINAL FORM THAT WOULD QUALIFY AS FACT OR EVIDENCE. 

I HAVE NOT RECEIVED A NOTICE OR BEEN SHOWN ANY PROOF OF ANY RULES BEING ENFORCED. 

I HAVE REQUESTED MY CREDIT REPORTS AND BEEN DENIED ON LINE A FEW MOMENTS AGO TAKING PICTURES OF THE SCREEN AND PRINTING ERROR MESSAGES. 

PLEASE HELP! 

THANK YOU,

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 2020-12-15
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: Their investigation did not fix an error on your report

Complaint:
The accounts listed below are reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably 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 I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a charge off on my account that IS NOT a charge off. 

Payment to Lien/Lease holder ( if applicable ) {$11000.00} - XXXX XXXX XXXX XXXX XXXX to You {$3400.00} - XXXX XXXX XXXX XXXX XXXX has not verified the payment received for the 10 day payoff that my insurer paid to this lender in full. This is very unsettling as I have been attempting to resolve this but it just keeps going after evidence is presented. I am not sure where to go from here but I do know I will continue my dispute for this account as it is inaccurate. 

My vehicle was declared a total loss with my insurer, XXXX XXXX in XX/XX/2020. At that point, XXXX XXXX contacted my auto lender, XXXX XXXX XXXX. XXXX XXXX then in turn received a payoff in the full amount of which was valid for 10 days via whatever portal these companies utilize. XXXX XXXX issued the payment and it was cleared. I even received {$3500.00} AFTER this account was paid in full as per the documents attached. I have been trying to get this off my credit fill and been in contact with XXXX who has been unwilling to assist and hung up on me multiple times nor responded to my e-mails. XXXX is not even affiliated with the XXXX  and I have filed a report with them as well. I did contact State Farm who paid off XXXX for this loan IN FULL and they were kind enough to provide me with secured e-mail transcripts showing where a loan insurer with XXXX DID receive the payoff AND released the title to the vehicle. Documentation is attached showing the communication between XXXX and XXXX XXXX ( who paid this off IN FULL with a 10 day payoff they received ). 

ALL of this account is inaccurate with payment history not reflecting from my insurer, etc..it shows the last payment was on XX/XX/2020 HOWEVER, a payment in full for a 10 day payoff quote was made on XX/XX/2020. 

This account needs to be removed immediately due to XXXX reporting from the furnisher.

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 2019-04-17
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:
there are two inaccurate and fraud account reporting under my equifax credit bureaus, i have disputed several times and they are not helpful at all, they have been giving me attitude and not even disputing or disputing inaccurately, please help me in this situation. 
i will be attaching the documents that shows the account number and the creditors name as well as the account number. 
appreciate you consideration to help me in this situation thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: Experian Information Solutions 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 information incorrect

Complaint:
Inaccurate reporting. XXXX Account is listed as a charge-off for both XXXX and Experian, however reports a balance and past due balance. A balance can not be reported an a charged-off account and the reporting is inaccurate.

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 2020-05-04
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I made a purchase on XXXX for a pair of hair clippers. I have yet to shipping information or the product causing me to feel it was an internet scam. I was provided an invoice and order number through Paypal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-17
Company: Pendrick Capital Partners Holding, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a collections letter for a 6 year old medical debt. Besides being right at the statue of limitations for collections in Ohio the bill is a billing error on behalf XXXX XXXX provider XXXX XXXX XXXX. I have confirmed with my insurance carrier, XXXX XXXX, the the physician never billed my insurance. Upon calling XXXX hospital   billing to rectify this, I was informed that ER doctors perform their own billing. I am not responsible for this billing error. The physician can not provide any statements proving they billed my insurer and therefore are attempting to collect from me to cover their error. I was also advised in writing, by the collection agency, that consumer reporting agencies have been notified of this collection and ruining my good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: Meade & Associates, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX college was a school I attended in the fall of 2013. I had a family situation and had to withdraw from school however, I withdrew within a timely manner. The financial aid department was notified within the appropriate time frame to withdraw from classes without being penalized. At the time I used financial aid and had subsided and unsubsided loans. XXXX XXXX was the loan originator the school sent the loan money back to XXXX XXXX. After the loan money was sent back which is required by law when u withdraw within a certain time frame. XXXX decides to charge me for the semester which is not correct. Legally you can withdraw from any intuition that receives financial aid with a grace period to withdraw and not be penalized. The debt is with a collection agency by the name of Meade & Assoc the debt totals {$5200.00}. I have proof from XXXX XXXX that the loan was returned with date. Purchased a house a year ago this came up however, I showed loan officer the proof and they closed the deal. This need to come off my credit the credit bureau are not investigated this at all. I have even sent them documentation can you please help in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I opened a business gold credit card through American Express in the name of our business, XXXX XXXX XXXX. My husband is the primary for the businesses and all our banking so I listed him as the primary cardholder. We hold everything separately - house, bank accounts ( except one ), utilities, etc. I then ordered another card for me under the same account. I handle the book keeping and purchasing for everything, whether it is in my name or not. One day, I couldn't use my card. I called and found out that they had frozen our account and the reason I was given was that it was because I use my card more than my husband does. That is true. I explained our arrangement. The man said that I should use my husband 's card for purchases, which seems odd to me. I reminded him that I have paid off our balance every month. He said the only way to prevent it from being canceled was to fax them a bunch of financial information - all the same things that we had sent in when applying for the cards. So I told him that we had sent all that and he said we had to do it again and they " might '' let us keep our cards. I didn't send it. I don't want to do business with someone who treats customers that way. Then, they started calling to see when we were going to pay off the last charge, but they wouldn't speak to me - even though my husband had told them to because I handle all that. But they would still call every day and then not speak to me. We didn't deserve what happened. I have closed other AmEx accounts we had. And the continuing harassment is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: AMERICAN HONDA FINANCE CORP
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: Their investigation did not fix an error on your report

Complaint:
I am writing presently in wish to gain your help. Presently I am working on examining my credit, paying down my balances, and pursuing greater credit worthiness. You play a very important part in this procedure. I am asking about the account number referenced in this complaint. I see you have reported me 30 days late to the credit agency ( XXXX, XXXX  and XXXX ) on XX/XX/2017 and I am submitting this in order to have this remark took back. I had believe I had made all my payments on time, the only thing I could possibly imagine, is that my statement didn't get to me in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: MOHELA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Mohela applied payments I made to the principal of my loans to " future payments. '' Basically, they took money I specifically directed that they make towards the principal of my higher interest loans, and then applied that money to my scheduled payments. It was not applied to the principal on any loans. It reduced my payments for a limited amount of time. 

For example, if my regular loan payment was {$600.00}, they took the {$2000.00} lump sum extra I paid and spread that over a couple years of payments, so I was paying {$500.00} a month for 20 months. 

They spread it over enough time that when I was just looking at my monthly payments, it looked like I had paid down the principle, so the monthly payment had come down. 

Before making the lump sum payments, I specifically called their customer service representatives and made sure I was following the proper procedures. I indicated the particular loan I was paying towards in the memo field of the check. 

Further, I can pay them monthly through their auto debit system, but to make payments on the principal, I have to mail a check. I have to rely on them looking at the memo section and applying my payment correctly. 

When I discovered this error and got on the customer service line to correct it, they said there was nothing they could do. I even talked to a manager.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company called me and indicated that if I paid them, they would remove the negative information from credit report. After reluctantly making the payment, the information remains and they have no even updated the balance. I've called and written numerous times, but have not received a response. Additionally, after reviewing the medical bills in question it appears that I paid much more than I originally owed. I have also started to receive collections related to this already paid debt. So, did this company have the authorization to even collect this debt?

Company response to consumer: Closed with explanation