BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-09
Company: EQUIFAX, 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:
The following accounts do not and have not ever belonged to me : XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$2900.00} XX/XX/XXXX XXXX {$0.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
From XX/XX/2017 to present, I have told XXXX XXXX XXXX and TSI that I did not owe this debt and I wasn't paying this debt. The services provided by XXXX XXXX XXXX XXXX XXXX XXXX and its doctors was sub standard to say the least. I will not go in to detail because this is a private family matter. Do you pay for service you weren't satisfied with? Neither do I. Please stop any and all communications with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: Synovus Bank
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have reached out several times to First Progress bank in regards to my refund. I feel like they aren't processing my refund out of spite, because I submitted another complaint on them before in regards to my refund. I closed my credit card account with First Progress bank on XX/XX/2023. They told me that it could take 70 days no later than ten weeks for me to get my {$950.00} back. I have called and called and called them. They out source to the XXXX XXXX for their call center, so the people on the other side of the line either don't understand, nor don't have any information to provide to me. I'm at my wits end with trying to reach out to them to get the money that is mine returned to me. I have waited patiently for their 70 days- ten week policy, but now I just feel like I'm either being taken advantage of, or they don't care. Like I told them, I I don't have a check in my hand for the {$950.00} they owe me ( MY MONEY ), then I'm filing a lawsuit, for loss, amongst other things, and I'm an attorney. I really don't think they want to deal with my legal drama. All I want is my money back, and never to do business with them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: MARINER FINANCE, LLC
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:
I sent the attached contract and bank check to Mariner Financial on XX/XX/XXXX and was signed for on XX/XX/XXXX. As seen on the attached contract and written on the check, if the check was cashed Mariner Financial would have 30 days to remove the trade line from my credit reports. As seen on the attached cancelled check, it was cashed on XX/XX/XXXX. As of today XX/XX/XXXX the trade line still remains on my credit reports. Mariner Financial has to remove the trade line from my credit reports immediately or I will bring a suit against Mariner Financial for Breach of Contract.

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 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Do full investigations XXXX all inquiries. 
XXXX XXXX  negative items All laws are in file uploaded. 
They didnt not do a fair investigations

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 2020-03-15
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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent 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 2021-05-20
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I applied for a credit card with Citi Bank. I got the card but never activated it or used it. I received an email say my payment was overdue. When I contacted Citi via phone on XX/XX/2021 and was told the fee was a membership fee. I informed the person I was speaking to that I had never activated the card and that I shouldn't be charged the fee. He told me it was my obligation to pay it, which angered me since the last time I had my credit pulled by FICO score was over 800 - I've never missed a payment in my life. The agent still said I was liable for the payment. I then told him to close my account and that I wanted the fee waived or I was going to file a CFPB complaint. At that point the agent put me on hold so that he could talk to his supervisor. I was kept on hold for a few minutes and then he came back on the line and told me he was waiving the fee and closing the account. I asked for proof in writing of such and was told that I would receive an email saying the account was closed and the fee was waived within 24-48 hours. The next day, XX/XX/XXXX, I received an email saying the account was closed, but nothing saying the fee was waived. On Thursday, XX/XX/XXXX I received a voicemail telling me my payment was overdue. I called Citi again and was told that I still owed the fee. I told them what the agent I spoke to on the XXXX told me. I was placed on hold. The person I was speaking to came back on the line after a few minutes and told me that the notes from my previous conversation stating that I was told that I was still liable for the fee. That simply isn't true. I was told the fee was waived. In the interest of keeping my credit profile sterling, I paid the {$99.00} fee. I feel like I was being extorted my a mob family rather than dealing with one of the largest banks in the country. I was absolutely lied to about the fee being waived. At what point are these large banks going to be held accountable to the American people? I want my {$99.00} back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: Coinbase, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Hello I am contact you in regards to my active coinbase account. As of XXXX XXXX I was locked out of my account. I was directed on their website to follow a few steps to resolved the problem. I completed the process and received an email notifying me that it was approved and I should be receiving a code by text to allow me access to the account. I never received the code. Next I sent a request ticket through there website, but got no reply. After that I called the customer support number, who directed back to the website. Once I did get a reply regarding my ticket it directed me back to the website. Next I used their XXXX account and their XXXX XXXX account for assistance and have gotten no reply. I am now writing to you while being placed on hold by their support line, I have been on hold for two hours. I have not included the dates because of the large amount of attempts I have made. 

Please help me regarding this issues, I have went through the proper channel as they have directed with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: Asset Management Outsourcing, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got an email from XXXX XXXX XXXX regarding a debt collection agency by the name of Nationwide Recovery Services re : a debt owed them in the amount of {$1300.00} in my name. 
So I notified them informing them of the issues at hand, I spoke with a young lady who was assisting me in trying to find out where the debt came from, she didn't have that information because the names in her system reference the same name as mine. I never receive any kind of notification from this debt collection agency before, and there's another problem, I can't get a hold of XXXX only their automation system in which don't address my needs, The notice has been posted by XXXX on my account because work with them before in past and them {$99.00} a month for six months to repair my credit, that ended last year XXXXXX/XX/XXXX, but in the meantime when I was speaking with the young lady who kept putting hold, I got another email from XXXX informing me my credit score has decreased by 7 points at this point I didn't know what to do but file a complaint with your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
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: Information belongs to someone else

Complaint:
on Tuesday, XX/XX/2020 Sent via USPSCMR : XXXX XXXX XXXX XXXX XXXX i contacted the reporting agency to remove some inaccurate data on my report. 
instead of credit reporting agency taking the incorrect items off they verify the items without proper procedure

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 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXXXXXX Balance : {$19000.00} XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX  XXXX Balance : {$19000.00} XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}

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 2021-10-14
Company: EQUIFAX, INC.
State: AR
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
The credit bureau is reporting a past due account with XXXX XXXX XXXX on my credit report. This is not my account and I have disputed this account with the credit bureau and the creditor several 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 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belongs to me, or that I have signed any agreement. Kindly have an investigations regarding this complain.Please remove the following items : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance XXXX XXXX {$1900.00} XXXX XX/XX/XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX  XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX  XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2020-04-14
Company: TRUIST FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a SunTrust checking account ( Account Number : XXXX ) online and made an initial deposit of {$1500.00} verified by SunTrust customer service on XX/XX/XXXX, but SunTrust closed my account a week later without any valid reason. On XX/XX/XXXX SunTrust sent me a letter stating the following : At the time of account closure, SunTrust Fraud Operations performed a thorough review to determine the status of the funds in your recently closed account ( s ). We have determined that the remaining funds in your account ( s ) will be mailed to you in the form of a check within 5 business days.

So I waited for 3 weeks but did not receive my {$1500.00} fund as promised. I started calling SunTrust. SunTrust told me the fund was being held without providing any reason and asked me wait for one more week. Then I called again a week later and got the same answer. In the past 6 weeks, I called SunTrust at least six times to request my funds, but SunTrust was still holding my funds. At this point, I was so frustrated by the SunTrust unprofessional and nearly fraudulent conduct.

SunTrust closed my new account even though I did nothing wrong. To make it even worse, SunTrust has been holding my {$1500.00} funds for two months, especially when I really need this money to get through the current Covid-19 crisis.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 credit report has hard inquiries, a bankruptcy, late payments, and many accounts that are not mine. I have contacted XXXX, XXXX, Transunion, and connected companies several different times. The credit reporting agencies can not even show proof of validation on any of the listed information. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts. None of it is correct and needs to me removed. Not only have I not given the credit reporting agencies written consent to furnish my consumer report at no time per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.

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 2018-09-16
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: Investigation took more than 30 days

Complaint:
Hi. I disputed some closed accounts that I'm no longer responsible for on XX/XX/2018 and it's still under investigation and nothing has been updated.

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 2018-03-10
Company: Experian Information Solutions Inc.
State: AL
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 HAVE SENT EXPERIAN NOTICES TIME AFTER TIME ABOUT THIS INACCURATE ACCOUNT ON MY CREDIT REPORT THIS ACCOUNT DOES NOT BELONG TO ME AND I HAVE ATTACHED MY CERTIFIED UCC11 WHICH STATES I DO NOT HAVE A LIEN AGAINST ME FROM XXXX HIGH BALANCE XXXX. I HAVE ATTACHED THE CREDIT REPORT LISTING FROM XXXX I HAVE ATTACHED A DEBT VALIDATION LETTER FOR EXPERIAN TO COMPLETE

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 2021-10-14
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:
In response to your dispute results, there are a few inquiries that should not be on my report as I did not make these requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: Paypal Holdings, Inc
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2019, I was scammed by somebody on the internet. They setup an account on XXXX, tried to sell me tickets to a concert, had me send money via PayPal, and then disappeared entirely. The transaction was conducted through PayPal Family and Friends, so there's nothing that can be done to retrieve the money - and that's fine. I want to report the user so that maybe in some way this account can be stopped. It was a dumb move on my part, and I'm embarrassed about that, but I would like to help others avoid a similar situation. If there's anything that can be done to shut down this user on PayPal and XXXX, that would be awesome! 

DO NOT SEND MONEY TO : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-03
Company: TRANSWORLD SYSTEMS INC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have received numerous calls from this agency on a dialer on the same day. I have the call logs. There are days where I have received 7 calls in one day. They have not sent any correspondence to provide proof of this debt. This is a student loan debt that is already paid. They must provide me with the original promissory note with my signature to prove the debt and they have not done so. When I spoke on the Phone with the last agent he did not properly identified himself his greeting was hello did not say his name or where I was calling. He was rude and hung up the phone on me. When I called back I was hung up again. The company is Transworld systems. I worked for them and I know their script. The first two conversations with a debtor they are encourage to be rude and belligerent so they can be nice and settle the debt on the third phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: EQUIFAX, 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:
XXXX XXXX, XXXX XXXX XXXX, GEORGIA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, US DEPT OF ED/XXXX., US DEPT. OF EDUCATION, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXXXXXX, XXXX XXXX XXXX. have all violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, telephone number, and names corrected on my report this is a violation on my consumer protection rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: Kriya Capital, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has reported a negative mark on my credit stating I opened an account during covid 2021, which is untrue. This mark is negative, and they failed to provide me with the paperwork showing I signed for this account. This account is not mine.

Company response to consumer: Closed with non-monetary relief