BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-10
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: Information belongs to someone else

Complaint:
ATTENTION DISPUTE DEPARTMENT XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX, GA XXXX I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX -- XXXX XXXX -- XXXX XXXX -- XXXX {$3000.00} REV {$1100.00} {$35.00} {$0.00} XXXX XXXX XXXX XXXX CUR WAS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1300.00} XXXX {$1300.00} XXXX - {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX  et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: Credit Collections U.S.A., L.L.C.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I mailed a certified validation letter on XXXX XXXX, 2017. Letter was received by company, and I received no validation of debt. They still to the credit bureau, despite not validating the debt belongs to me.

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 2022-02-02
Company: Experian Information Solutions Inc.
State: PA
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:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items 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 2018-01-31
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Navient is claiming to be XXXX XXXX, which doesn't exist. I have previously proven this, and via the CFPB process, I have provided telephone call recordings and revealed that Navient filled out two separate - both false - promissory notes. They then attached these via the CFPB process as fillable forms. So, their fraud is extremely evident and irrefutable. Now, Navient is claiming that I owe three different loans, which I don't. They have created this as a new listing on my credit report, and they took advantage of the California Wildfires by placing the listing when my fraud alert dropped off due to being displaced by the fires. I want Navient to stop all forms of harassment and fraud. I have never borrowed from them, do not have any contracts with them, do not have any student loans, and don't appreciate that the government isn't doing anything to put these people in jail. I have asked for debt validation and verification multiple times. I have also sent hundreds of Cease and Desists. They will not stop. I should never be contacted by Navient. I have had no business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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 filled a dispute in regards to the incorrect items on my credit report.It has been well over 30 days and I haven't received any investigation results.

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 2020-10-23
Company: EQUIFAX, INC.
State: OH
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 was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX  XXXX XXXX # XXXX. The dates were XXXX XXXX XXXX XXXX, XXXX  XXXX # XXXX the dates were XXXX 2020 my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving in to a new apt . I was under the COVID-19 SHUT DOWN .The CARES Act calls these agreements accommodations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: Coinbase, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I have attempted to verify my identity several times with Coinbase and the system has repeatedly rejected my identity verification. The verification requires that a person submit a scan or pictures of the front and back of a photo ID and a webcam photo of themselves in real time. I have submitted approximately 10 verification photos and ID uploads from XX/XX/XXXX thru XXXX XX/XX/XXXXI have submitted multiple help tickets with coinbase trying to resolve the issue and all of my attempts have resulted in no solution. Coinbase has made no attempt to assist with a resolution to the problems with my account and has refused to accept my ID verifications and has provided no alternative method for me to access my account, buy or sell my digital currency. In essence, coinbase is holding my money and personal data hostage and committing consumer fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
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 was effected by multiple data breaches & have multiple UNAUTHORIZED accounts & inquires that MUST BE DELETED BRECHES FROM equifax XXXX XXXX XXXX XXXX the bureaus must take off

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
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:
Ive been victim of fraud someone open a XXXX  card account in my name and its reporting negatively on my credit report. The other bureaus has fully complied and removed the account accordingly. XXXX and Experian has yet to provide me with any signature for this accused debt at all. A bill without a signature does not validate the debt anyone can send bill and say its mine. Which is unfair. According to the FCRA, XXXX and Experian has violated my rights as a consumer and Im requesting legal action to this account immediately.

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 2019-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Im part of a group on XXXX called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I applied to a job posting via email. I was offered a position where I was told Id be paid $ XXXX/wk to have my car wrapped for their sports drink company. They sent me a check for {$2300.00}, which I deposited and had me send a XXXX payment through my bank account for {$1700.00} to the installer. I sent the XXXX payment on XX/XX/XXXX at XXXX. Shortly after, I realized it was a fraud when they asked me to send more money, this time they asked via text. The text was full of grammatical errors and didnt sound like a business at all. Upon learning this I contacted my bank ( Bank of America ) and XXXX. This was at XXXX on XX/XX/XXXX, less than nine hours after sending the payment. I told Bank of America of the fraud and asked that they reverse the {$1700.00} immediately. They said this isn't something they can do so I contacted XXXX. XXXX said the money already went through, said there wasn't anything they could do and transferred me back to Bank of America 's fraud department, which was closed for the day. Everyone I spoke to knew exactly where the money went ( a XXXX account ) but refused to get it back. 

I contacted Bank of America once again on XX/XX/XXXX at XXXX to file a claim and to inform them that I believed I was given a fraudulent check. Their response was that once the check was bounced back, they would shut down my account ( once the claim has been closed ) because that's standard practice when that happens. So not only was my account overdrawn when the check was proven to be fraud & the {$1700.00} wasn't returned.. but now I was being told that my account ( that I've had since XX/XX/XXXX ) would be shut down. 

I've learned that XXXX, unlike XXXX, has no fraud protection but instead perpetuates fraud by giving scammers a platform to conduct their business. Not only that, Bank of America ( and other banks ) support this by offering XXXX on their apps. I'm now aware that this has happened to many people through XXXX and it's ridiculous that they haven't changed their policies to protect their consumers. 

.

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 2022-02-02
Company: BSI Financial Holdings, Inc.
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
BSI slow walked my modification to the point where it took 1 year to complete. During this time frame they reported me to the credit bureau and more than 6 months behind, 180 days behind, 90 behind. You have the records that show I have paid every month. 

They also need to redo my Tax form which is a falsified document that does no have the correct amounts on it. I don't need the IRS on me as well and this org stealing my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This account was deleted due to violations of my federally protected consumer laws & rights. Below is proof of these allegations. If this information is still being reported this is a violation of of USC 1681 ( a ) ( 4 ) & USC 1681b ( b ) ( 1 ) my rights to privacy. No consent by definition is identity theft. No permission was given to this company or any consumer reporting agency to have any consumer information which is a violation and infringement of my federally protected consumer laws & rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have tried multiple times online and over the phone to request my free credit report because my SSN has been stolen and I want to check if there has been any unusual activity on my account. However, I have just recently ( within the past 3 weeks ) moved also do not have enough credit history to receive an online report ( I just graduated from college and have not made any large purchases ). I have also tried several times online and over the phone to place a fraud alert on my account, and have again been denied multiple times.

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 2021-08-16
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I have been using my fully verified PayPal account daily for months without any issues whatsoever. I was using it primarily as a means to deposit to my XXXX  XXXX, and withdraw winnings, both actively encouraged from PayPal and bookies. Legal and advertised. I had withdraw several times small winnings whenever I won. Yesterday I won big and tried to withdraw XXXX. After 24 hours they limited my account with a reason and froze my money. Obviously hoping to hold onto it. I made the exact same transactions many times just for lesser amounts. It's just this time I made a withdrawal of XXXX and they limited me. Who knows why?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Someone had me transfer money to their friend 's account to help pay for airline fees. 
The total was {$210.00} and I sent it to XXXX XXXX e-mail at XXXX on XXXX. But then the person ( XXXX XXXX XXXX ) ( who's e-mail was XXXX ) started demanding money for many other things. Turned out to be fraud. I was wondering if I could get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: Home Point Financial Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We filed for assistance during hurricane Irma XX/XX/XXXX through our mortgage company Home Point Financial. We were granted a forbearance period and a loan modification with a lower payments. Our payments start XX/XX/XXXX to be paid {$990.00}. During this time the company then had a servicer change delaying the process and basically making it impossible to communicate with the correct person. We continue to call and leave voice mail messages for XXXX XXXX which was supposed to be assigned to our case. We never received any call back and he eventually no longer was employed for the company. During this time and currently my credit was and is being reported negatively as not being paid as agreed. We were and are continuing to make the agreed upon payments by phone and attempting to communicate with the mortgage company, but seem to be getting different information and no written information in the mail regarding our loan and current/correct payments. Our contract that we signed only states the {$990.00}. 
Today, XX/XX/XXXX we are being told that we have not been paying the correct amount which has never been disclosed to us as we call and pay it monthly. We call at least once a month to find the status of our modification only to be told that we will receive a call back never to receive a call back. We are being told we have to pay a balance of over {$1700.00} to make our account current. It has been disclosed to us that there are thousands of consumer affected. We are being told our new payment is higher than our previous mortgage payment we requested assistance in paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have tried multiple times online and over the phone to request my free credit report because my SSN has been stolen and I want to check if there has been any unusual activity on my account. However, I have just recently ( within the past 3 weeks ) moved also do not have enough credit history to receive an online report ( I just graduated from college and have not made any large purchases ). I have also tried several times online and over the phone to place a fraud alert on my account, and have again been denied multiple times.

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 2020-10-08
Company: CMRE Financial Services, Inc.
State: OK
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:
I HAVE DISPUTED OVER AND OVER THE CMRE DEBT ON MY CREDIR REPORT FOR VALIDATEION. iT GETS REMOVED FROM SOME CREDIT REPORTS BECAUSE THEY CAN NOT VALIDATE THE DEBET. I KNOPW NOTHING OF THE DEBT ANT NEVER HERD OF THE DEBT OR EHO THE PARENT WAS THE DEBT WAS BEFORE CMRE BOUGHT THE BAD DEBT. 

CMRE INSISTS ON READDING THE DEBT TO MY CREDIT REPORTS OVER AND OVER AFTER THEY ARE REMOVED WHEN THEY CAN NOT VALIDATE THEM AND STARTING THE CLOCK OVER ON THE STARTING DATE OF THE DEBT WHICH IS ILLEGAL ALSO. NOT TO MENTION THIS IS NOT A DEBT THAT IS XXXX OR I HAVE HEARD IOF, PLEASE REMOVE THIS FROM MY XXXX   CREDIT REPORT AND COUNSEL CMRE FOR BAD AND ILLEGAL BUSINESS PRACTICESES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: CCS Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have an account on my credit that does not belong to me called CREDIT COLLECTION SERVICE. I have asked for a signed documentation bearing my signature and I have gotten no response.I have disputed this account with all 3 credit bureaus. I get the same pre-made letter that this account MEETS FCRA REQUIREMENTS. I have attempted to resolve this matter to remove this erroneous account and no one seems to have investigated nor validated this account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I filed my Edd claim back in XXXX and around XXXX they sent me documents stating that I had to prove my identity before I could get paid so it took a while for them to confirm my identity they just confirmed my identity XXXX and I started getting paid for my claim from XXXX but I noticed I was missing slot of payments found out Bank of America issued a card and payments back in XXXX that I never received I dnt know were the card was sent but I was in the process of confirming my identity so shouldnt have no card been issued but now they dnt want to refund me because of time but when your in the process of identifying you cant get no information on the account so there is no way for me to know this so that I could report it I just got identified thats why Im just now reporting it they keep denying my claim like every 3 days I have turned in like 10 reconsiderations.

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 2019-07-08
Company: United Accounts, Inc.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have contacted United Accounts Inc on several occasions to delete a account # XXXX that was an incorrect account. The original creditor ( XXXX ) also called them and confirmed this should be deleted immediately as it was an incorrect account. United Accounts is claiming they submitted the request for the account to be deleted on XX/XX/2019. I have talked with XXXX on several occasions and they stated that they only thing they have done is confirm the amount owed. United Accounts refused to send an update until the end of the month again. They told me I would have to wait until XXXX and see if it comes off. This should not happen at all, when it was requested by XXXX it should have been immediately deleted! They are now only restating the already talked about situation and refuse to do the right thing. I have contacted all the credit bureaus and none of them have this request at all, they said if it was submitted they would have received it immediately and it would be deleted almost immediate.

Company response to consumer: Closed with explanation