BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-06
Company: BAM Management US Holdings Inc.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
After opening an account with Binance about 2 months before making this complaint, I made a deposit with my debit card on XX/XX/XXXX. I was unable to use the funds deposited into their Mobil app from XX/XX/XXXX to present day. I have sent four support inquiries that have not been substantively answered. Rather, Binance both restricted my trading after receiving verified funds and blocked my ability to withdraw the funds. ( My attempts to withdraw started I received a message withdrawal suspended due to fraud risk. ) Between Binances fees, pennies they make on millisecond trade delays across ALL accounts ; and freezing small investor funds, this company has created the blueprint to making money off the backs of less savvy customers. This can not go unchecked. In my last email to them I advised that I intend to bring a federal action. I have forwarded this information to the appropriate persons in the Senate and ask the CFPB to either monitor the activities of this organization pending Congressional inquiry or discuss with myself and other law students our being fleeced and bring a CFPB investigaton. There are too many millennials trading on Binance for CFPB to not act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Experian Information Solutions Inc.
State: NC
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:
THE DISPUTED INQUIRIES DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE INQUIRIES ARE DUE FOR REMOVAL OFF MY CREDIT FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Experian has falsely reopened an old student loan by XXXX that was closed in XXXX and rehabilitated. They have it as open with a balance and they have it listed as 30 days late for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. My loans are no longer with XXXX they are with XXXX and are current, in good standing.

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 2019-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 to dispute DEPT OF ED/XXXX XXXX. The opened date listed on these accounts are incorrect, please delete these accounts.

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 2019-09-15
Company: CITIBANK, N.A.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
For the secnd time in over 7 years Citibank, N.A> is taking me to court over a depth thatI do not owe them, They Illegal tranfered money to a Fake Account at XXXX XXXX back in XXXX or XXXX. I informed them I did not authorize thei tranfored, but they sent the money to XXXX any way!! And NOW again they are taking me to court for the second time. The first time they did not show up to court

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 2020-06-30
Company: Experian Information Solutions 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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME AND THEY WERE INACCURATELY PLACED ON MY CREDIT. I HAVE NO KNOWLEDGE OF THOSE ACCOUNTS AND I DID NOT SIGN ANY CONTRACT TO CONNECT ME TO THOSE ACCOUNTS, I AM REQUESTING THAT YOU PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS AND IMMEDIATELY REMOVE THESE ACCOUNT OFF MY CREDIT FILE.

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 2020-05-12
Company: ERC
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:
For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. 
The court has ruled that in Hinkle v. Midland Credit Management , Inc., that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to be sent to me! 

The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 
2. What services I am being charged for. 
3. What the cost of each service I am being charged for. 

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. 

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
To whom it may concern : I am writing to dispute this item still on my credit report in which I sent correspondence via email. I defaulted on a Capital One credit card due to medical expenses and being laid off of my job back in XXXX for health reasons. I was offered a chance to repay the balance owed on the credit card, and since my health has improved and I got a better paying job, I entered into the repayment plan. I opted for the 3 month plan in which I would divide the settlement amount of {$340.00}. I paid {$110.00} on XXXX XXXX and XX/XX/XXXX, and {$110.00} on XXXX XXXX. The very next day on XX/XX/XXXX, the account was never updated to reflect my third and final payment to settle the account. On XX/XX/XXXX, I conveniently received an email stating that I have made the final payment to settle my account. I want my credit reporting updated to reflect this account being settled ASAP. If you have received my money and sent an acknowledgment email to me stating that I have settled the account, then be fair about it and report the same to the credit bureaus. Attached is a screenshot from my mobile banking app of the three payments made to Capital One, the email received from Capital One, and the screenshot of the credit reporting showing that as of XX/XX/XXXX ( the day AFTER my payment was made ) it was still reporting the last payment was made in XXXX, which was NOT true. I want this account reported as settled and off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: Fidelity National Information Services, Inc. (FNIS)
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:
Inaccurate information on credit report.

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 2021-07-19
Company: Colony Brands, 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:
check these accounts that appear on my credit report, they do not belong to me, it is hurting me Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft GINNY 'S XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

dentity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX/XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 
. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: TCF NATIONAL BANK
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
TCF Bank closed my checking account # XXXX, for a unknown reason, but still hasnt mailed me a cashiers check for the remaining balance in my account which is {$1100.00} from my U.S. Department of Treasury Stimulus Check. TCF Bank is illegally and unlawfully holding my funds in a closed checking account. I dont want the TCF Bank Checking Account. I want TCF Bank to immediately close the checking account and mail me a cashiers check for the remaining balance in the checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/20. PNC is not connecting with a grant funding company and it won't allow access to grant funding. PNC claims there is nothing more they can do. Meanwhile I'm XXXX  out of grant funding for because they can't electronically transfer funds to my business account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: Solutions To Portfolios, LLC
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Been called once a day for last month by some guy named XXXX with XXXX XXXX being rude and loud asking about my title loan which I have talked about with XXXX XXXX already

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: WESTERN UNION COMPANY, THE
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I used the services of Western Union Business Solutions to make the payment of {$5500.00} sterling to the University XXXX XXXX, in the XXXX XXXX of XXXX XXXX. 
In accordance with the instructions of WU I made the international transfer from my bank XXXX and the bank liquidator XXXX. 
The data that WU gave me were the following : XXXX XXXX : XXXX BANK LIQUIDADOR : XXXX XXXX DEPOSIT ACCOUNT : XXXX NAME : WESTERN UNION BUSINESS SOLUTIONS USA LLC / XXXX / XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX REFERENCE : XXXX XXXX Today, XX/XX/XXXX, the University XXXX XXXX has not received the payment and, therefore, they ask me to do it again. 
I request your intervention so that WU delivers the funds that, according to what they say, are lost. 
Likewise, I request that I reimburse the expenses and commissions that I have had to pay to clarify this matter. 
I have been in communication with WU for four months but they have not given me any answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
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: Information belongs to someone else

Complaint:
I called Transunion to let them know that I was a victim in unauthorized inquires on my credit report and gave them a list of which inquiries I did not authorize and the representative continued to say that I was not a victim and I did the inquires myself, well If I did them myself I would know that and wouldnt be calling!! So I was in great shock when the representative was not willing to help me at all. Attached are the inquires I did not authorize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I receive a letter today ( XXXX XX/XX/2018 ) dated XX/XX/2018 thanking me for my request to open a new Citibank account. I did not apply for this account and don't want any financial service from Citibank. This was a fraudulent application. Please see the attached scan of the letter ( XXXX XXXX - Citi Bank 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 2018-06-12
Company: EdFinancial Services
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I am not working and can not make my loan payments. I have contacted Ed Financial in regards to this matter several times. I made a complaint on XX/XX/XXXX with CFPB. I made numerous attempts such as filing for Unemployment Deferment, Forbearance, etc. and have been denied by Ed Financial. They stated that I have used up the amount of times I can use these options. Ed Financial sent me an application for income driven repayment. I sent in a personal statement explaining that I do not have any taxable income. I also spoke with a representative who advised me that since I have no taxable income I should fill out the income driven application along with my personal statement and that he did not see a reason why it would be denied. 

Well the application was denied and I will have to start making payments in XX/XX/XXXX. These people refuse to work with you and just want to see you go into default. If I do not have a job how am I supposed to pay back the loan? I also have a child at home. Ed Financial is ridiculous and they don't try to help or offer reasonable ways to accommodate your situation in anyway. All they care about is their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have disputed identity theft with all three bureaus, and Equifax is the only one that refuses to remove 2 identical inquiries done on the same day from XXXX XXXX XXXX XXXX, and two from XXXX XXXX XXXX, after I have submitted disputes 16 times and called 5 times asking them why they are not helping me. I was treated rudely by their staff and given the runaround. I have disputed the inquiries with the businesses and was assured in writing that they contacted all three bureaus. I saw that XXXX XXXX and XXXX   have removed the fraud inquiries, and the two cards that were fraud when my identity was stolen. As far as Equifax, I last emailed them advising I would sue and again provided the police report number and an email from XXXX XXXX XXXX XXXX   stating they contacted Equifax. Still after three months Equifax still refuses to assist me. Ever since their data breach, the fraud activity started with me and ruined my credit score. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
XXXX money ( {$400.00} ) was not credited to my account although deducted from senders acoount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: CORELOGIC INC
State: TX
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:
credit inquiry made by Credco on behalf of XXXX XXXX XXXX XXXX on XX/XX/XXXX without my authorization. I financed through XXXX XXXX back in the summer of XXXX no longer had procession of the car at the time the inquiry was made. using my information to run a credit check almost 2.5 years after dealing with this company is not acceptable and shows bad business practices.

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 2020-11-12
Company: Bread Financial Holdings, Inc.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company Comenity bank is unwilling to accept a {$35.00} payment to close account and keep on tacking on late fees every month and billing me for late fees even though this account has been closed since XXXX. I just talked to a representative today who was unwilling to make any adjustment to the ludicrous charges that are unmerited because they refuse to come to an agreement. W spent over 45min on the phone. He took the time to listen to the last two conversations I had and still wouldnt budge. EVEN THOUGH IT WAS IN HIS POWER TO DO SO. I have never done business with a credit card company in my entire life that has so little disregard for its customer and their financial distress. Especially after that customer has paid the promotional balance in full.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-28
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2017, I was contacted by Procollect INC on Behalf of XXXX XXXX XXXX, stating that I owe a balance of {$970.00} which was later reported on my credit. I made a full payment to the collection company with the promise that it would be removed from my credit report once the debt is paid off, which I paid. However they didn't keep to their promise! The collection still shows on my credit report and due to that my credit has been impacted negatively.

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 2020-11-06
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: Information belongs to someone else

Complaint:
I XXXX XXXX have sent out my request to have this items blocked from my credit report as i am a victim of identity theft. I clearly stated that in my FTC report with all the information that i gathered. i have never opened this account nor have i benefited from this account i never obtain goods or service from this company called XXXX please see attached 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 explanation
Consumer complaint received 2019-10-22
Company: Receivables Management Corporation
State: SC
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:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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