BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-07
Company: Cornerstone Holdings, Inc.
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:
XX/XX/22 a most recent credit report revealed an account in collections. A letter was sent to XXXX XXXX asking yo verify debt on XX/XX/22 certified mail ; no response was received providing any of the information requested. Pursuant to 15 USC 1692 ( d ) .1, Cornerstone Credit Services, a collections company, has violated the FDCPA by damaging my reputation which is my credit history and score as their alleged debt has now been reported. I have never been contacted about this debt nor spoken to anyone and was unaware of the existence of said alleged debt. The reporting of fraudulent information by Cornerstone Credit, whom I have no contract or agreement with regarding any alleged debts or services, is defamation and stands as damages to my personal reputation. If Cornerstone Credit can produce a contract I have with them, I will gladly review and respond and I will be sending communication to them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Credit Bureaus reported late payments on a vehicle. A few days later I checked and saw it was now reporting as a charge off. I contacted the credit bureaus in writing and have had no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: Real Time Group, Inc.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
InXX/XX/XXXX, I had a 1st and 2nd mortgage on my home with XXXX, which both were later transferred to XXXX XXXX XXXX ( XXXX ). Subsequently, I defaulted on both loans. In XX/XX/XXXX, XXXX modified my first and forgave about 50 % of the principal. However, the 2nd was transferred to Real Time Resolutions ( RTR ). 

I never made a single payment to RTR and the second mortgage eventually fell off my credit report after about 7 years. The initial amount that I defaulted on was {$56000.00}. 

Recently, I tried to refinance my home and I came to find out that there was still an outstanding lien on my property for the 2nd mortgage. RTR was contacted and they claimed the pay-off amount was over {$83000.00}.

The statute for RTR to foreclose on my home has already passed and basically they are holding my property hostage. I also believe they are trying to collect on a debt that should have been settled initially by XXXX, since XXXX modified the first mortgage. 

I tried contacting RTR to reach a settlement, but they do not respond to my emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted Navy Federal on XX/XX/2022 to pay a previously negotiated settlement amount of {$100.00} to settle a {$530.00} charged off credit card debt. Navy Federal took my payment and provided a confirmation number then told me they would update the status of the account. Today XX/XX/2022 I was alerted that a collection was added to my credit report by a third party collection agency XXXX XXXX XXXX. When I contacted the collection agency I was informed that they owned the debt and provided a fax number to submit proof if the debt was settled with Navy Federal. When I spoke with Navy Federal I was told that although my settlement payment was taken the debt was sold to a third party and there is nothing they can do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Paypal Holdings, Inc
State: MO
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 opened a Venmo account on the XXXX of XXXX bc a friend needed to pay me back for something I bought for him that he could not get to in time. I was approved to open the account a d even get one of their debit cards. There is now {$120.00} sitting in my account that is " frozen ''. I can not get anyone to tell me why or how to fix it. I have called every single day and get no where. I think venmo is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: KEYCORP
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have made payments to the bank ( KeyBank ) servicer XXXX XXXX XXXX ( XXXX ) and they are failing to properly credit my account ie. applying payments to federal loans only and not applying to my private loans. As a result they are incorrectly charging penalties, interest and ultimately reporting false information regarding late payments to the credit bureaus resulting in an unjustified low credit score when since XX/XX/2018 I have made multiple payments to them.

I have my bank statements and the email confirmations from their systems regarding payments. I want them to review all of the payments made in XX/XX/2018 to determine where my money is going and to find out if they are properly crediting my account. They also need to remove the late payments and interest for all payments from XX/XX/2018 toXX/XX/2018.

Further, I have mentioned to them that I am now unemployed as of XX/XX/2018and as of this writing they have failed to immediately provide me with proper documents ( why must they mail blank forms in 10 days vs. email?! ) in order to assist me with the restructuring of repayment of my private loans so that there is no default/further interest rate charges. They were able to assist with Federal loan deferment over the phone! They cause unnecessary delays when they can fax or email blank forms to me directly ... its ridiculous. Further, the right hand is not talking to the left. The bank contracts with its servicer to collect payments from me, yet they can not speak to them directly to find out if payments have been made or credited. I have to be subjected to unnecessary harassment by the collections department when my documentation clearly shows I am making multiple payments ... requiring me on a conference call is a clear delay tactic as they should be able to talk directly to the company they hire to collect funds from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Someone convinced me to borrow large cash of money totalling {$100000.00} to invest in cryptocurrency at Coinbase and transferred all the money to his possession. 
I refer you to the attached letter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Chime Financial Inc
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Good morning, I am writing to dispute the charge of [ {$2000.00} {$10000.00} {$2400.00} XXXX {$2400.00} {$1100.00} ] I'm not knowledgeable or familiar with this unauthorized transaction that was deducted from my account and visa debit card XXXX, Am not notify the suspicious activity in my chime bank account. I'm disputing this trensaction becaus because didn't make the transactions as My bag was Stolen from me that is when my loan money was hijacked, the fund from XXXX {$20000.00} deposited in the bank XXXX XXXXXXXX XX/XX/2021 for a personal business. 

[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX ] [ CHECKING ACCOUNT ] Re : Notice of disputed charge to Account No. [ XXXX and the Visa XXXX ] I'm badly damaged and unhappy about this, I want to use the funds to PAY OFF CREDIT CARD WITH OTHER HIGH INTEREST DEBT.. I would appreciate your help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I don't know what happened, but one thing is for sure : this inquiry is not authorized by me and was done by that creditor without my consent! You must remove this 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 non-monetary relief
Consumer complaint received 2022-09-07
Company: WELLS FARGO & COMPANY
State: NC
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:
We were victims of fraud, both XXXX and XXXX. The fraud department agrees with the XXXX claims ( about 10different transactions ) but the wire fraud department says it is our fault. Some background, I received a call from someone claiming to be Wells Fargo fraud, the same way the actual fraud department called me. The fraud used the same phone numbers, text numbers and even used the same script their fraud department uses. As part of the verification process they texted me a code, from a valid phone # that I had history of receiving validation codes from, and that is apparently all they need. The wire fraud has denied our claim of {$5000.00}. 
1 ) how can two different fraud departments issue different judgements?

2 ) is Wells Fargo responsible for the fact that their phone # s are being used to perpetuate fraud? 
3 ) what is my recourse, the wire fraud department said they already appealed it to their appeals department and they also denied it as fraud. How is that possible and fair? 

Thank you for your help

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 2021-04-09
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal is act like scam company. 
They close my account with my money inside. 
I try to contact the company many times but they not take my call and they not respond my message. When I try to withdraw my money they blocked me. 
When i try to withdraw money to my bank they reject the transaction for keep stole my I never had any problem before in my account. 
I never had disputed or charged back. 
All the time i respect the polices of the company. 
They close my account without any reason. 
They just want stole my money and this company does not respect the rights of users and is XXXX. 
My email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Transunion XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute of inaccurate and/or complete information in consumer report. 

To whom it may Concern : You are reporting inaccurate and/or incomplete information concerning me in my consumer reports. Your conduct has caused me distress and financially harmed me with costs and loss opportunity. 
The following alleged Public Records you are reporting concerning me is inaccurate and/or incomplete, and also unverifiable by you. 
Bankruptcys number : XXXX Bankruptcy number : XXXX First, I contacted the Court of Record you listed on my credit file, and they confirmed that they neither provide or verify court records to you or to any other third-party. ( See attached letters ). 
Secondly, I contacted XXXX and informed them of their errors and in reporting and they responded with a letter deleting any and all Public Record notations. ( See attached letter ). 
Third, I contacted PACER case locater.gov ( The official website of The United States ) for public records for bankruptcies and no records were located or filed under my name. ( See attached letter ). 
Therefore, you could not have possibility verified this information and request that you delete the alleged Public Records and provide me an updated copy of my consumer file. 
In addition, I request a description of the procedure used to determine the accuracy and completeness of the information of the above-listed disputed information that you included in a consumer report that you prepared and published about me, including, but not limited to, the business name and address of all furnishers of information contacted in connection with such information and the telephone number of such furnishers when you initially prepared the consumer report with the information, investigated the data, and reinvestigated it due to my current dispute. 
Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in you consumer reports that you prepare concerning me. Your prompt attention to this important matter is requested to comply with federal law.

Im demanding all Bankruptcy information currently showing on my consumer report be PERMANENTLY DELETED immediately. 
Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: Source Receivables Management LLC
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX Amount {$2200.00} This is my final written notice to you before filing a lawsuit against your company for violations. My first letter was sent to you back in XXXX to validate the alleged debt and permissible purposes error and fraud. 
The company did not provide me with the original contract as requested. This company is still attempting to do business with them. Submit all documents you used to create this frivolous account on my credit report. Without my consent you sent and created this debt on my credit report. 
Let me explain you have used my identifiable information without my signed agreement between me and your agency. That express mutual assent from both parties. This is the penalty you are going to face under the 18 usc 1028A aggravating identity theft United States v Kuc737 F3d 129,134. 
After this agency received my complaint, they responded back on XXXX XXXX that they would recalled and returned it to the original creditor. Cfpb case number XXXX. Although this agency stated that they would cease this alleged for which they were unable to proof, they contacted me on XXXX XXXX at XXXX central time. Violation. 

And today XXXX XXXX at XXXX XXXX  central they have contacted me again. 
Attached Screenshot call Consumer Enforcement as Administrative Counter Claim by Private Right of Action Notice to Source Receivable management, I am that I am the consumer in fact, natural person, original creditor, XXXX, executor, administrator, holder in due course for any and all derivatives therefore for the surname/given name XXXX, consumer, and I have been appointed and accepted being the executor both public and private for all matters for proceeding, I hereby claim that I will d/b/a Consumer, XXXX, and autograph as the agent, attorney in fact, so be it. Whereas I of age, of majority, give this herein notice to all, I make solemn oath to the one and only. most high of creation only, whoever that may be and depose the following fact, so be it, now present : No other agency can do business with my name. 

According to the FTC YOU ARE banned from participating in the business of debt collection. You are facing some serious violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: Credit Services Corporation, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
We are being charged too much money and late fees of {$35.00} a month the company will not work with us to resolve this issue these overpayments we just can not afford because we're on a fixed income it is not fair for us being the consumer we've tried to resolve this issue with a gentleman named XXXX at that time he told us just to send in {$35.00} from sorry {$50.00} a month which we are going to do but then yet and still they continue to keep charging these {$35.00} late fees on top of each other we just can't afford this we would appreciate the help I'm from the consumer finance folks and we hope to get this issue resolved thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I sent the police report, the date of the fraud, phone number of person pretending to be XXXX -rhey insisted that I owed them {$4000.00} after accessing my computer with a software program. I contacted the bank right away and they reversed my charges. Then, 3 months later they said that the charges were legitimate and I was responsible for the charges. I had purchased gift cards on my VISA credit card issued by XXXX. 
This vendor cashed these credit cards, so Union Bank VISA considered them legitimate.

I have received nothing in writing that this has been resolved and only called the number of the Fraud Department in order to rectify the charges. Now, they say I owe the whole amount. It was Fraud and gave them the phone number that I contacted on and even called XXXX about the gift cards and they had all been cashed. 
My credit card with Union Banki # XXXX, would like this resolved and put the responsibilty on the fraudulent vendor.

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 2020-01-22
Company: Ameritech Financial
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/XXXX I applied for a service with American Financial Benefits Center ( AFBC ). They stated that would help assist with a setting up my loans to become applicable with a student loan forgiveness program. I currently have 2 outstanding loans with XXXX and XXXX that total more that $ XXXX. The stipulation was that if I remained a client with there company for 20 years, my loan would eventually default and my loan would be applicable under " student loan forgiveness. '' The application process involved an agent obtaining my financial information, tax returns, and family size. In addition there was set up fee of {$490.00} then a monthly charge of {$99.00} a month. Every year, I would be contacted by an AFBC agent to update my yearly income or any other changes to the household size. By the end of XX/XX/XXXX, I was contacted by a customer service representative regarding the routine of updating financial information. The rep also mentioned that any information that I've read or heard regarding there group was false. At the time I didn't think much of it. They had been assisting me with this for almost 2 years, the customer service reps appeared professional and legit and have always responded to my emails promptly. Weeks after that conversation, I tried following up and no avail. My emails were getting bounced back and no one was answering there contact number. I did some research online and found out that there was a lawsuit from the FTC towards AFBC. The company has gone entirely dark and no contact information can be found anywhere. I've come to the deep realization that I have been scammed. 

Here is a link to a copy of my mailbox which includes all the communication I've had with AFBC. 

XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to 15 USC 161a2 these companies XXXX XXXX XXXXXXXX {$590.00} XXXXXXXX XXXX XXXX XXXX {$8100.00} XXXX XXXX XXXX XXXX. No name is even provided for this company acc # XXXX XXXX these companies are in violation of my rights pursuant to 18 USC 8 , I owe no debt these companies are in violation of my consumer rights to privacy pursuant 15 USC 1681 b 2, company 's also has no permission to report anything using my information pursuant to 15 USC 1681 4. I did not give written nor verbal permission to have these accounts furnished on my credit report as also I am a victim of identity theft I'm attaching documents

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 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are several accounts reporting through XXXX XXXX XXXX XXXX XXXX which ALL my accounts have been paid as agreed and on time. There is a remark on a few of them 90 days in 2017 which is inaccurate. I tried to address this now twice and received only one response back from TransUnion saying they weren't going to do anything. Please help

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 2019-04-19
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Original mortgage lender sold debt to new lender. Both failed to notify me of the new information. I had set up automatic payment with the old lender, hence my account was never late. The new lender then proceeded to report the account late to the Credit Bureaus. That is how I found out about the location to send payments. I immediately paid the accounts.

Company response to consumer: Closed with explanation