BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My problem is with transunion there is a child support debt on my public file for {$27000.00} and on my my public file that say legal I sent documentation to child support disputing that its a legal debt I submitted the documentation. I sent the documents on XX/XX/2021 it got to trans union XX/XX/2021. It seems like child support and transunion are in some type of collusion because after I sent them the supporting documents. Child support takes off the tittle and of it being a legal document and sent it to another part of my credit report under the deogratory part and it was updated XX/XX/2021. So in so many words transunion let them take off the the tittle who the debt belong to, who it belongs to I'll provide evidence so u can have a clear picture, its seems transunion allows people to report debts even if it belongs to them or not. In my case it looks like transunion does favors illegal favors to oppress people.

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 2020-01-24
Company: EQUIFAX, 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:
XXXX XXXX XXXX is reporting on my credit reports that I owe {$2900.00} to a XXXX card this is one last chance for XXXX XXXX XXXX to DELETE from my credit reports or i will sue both XXXX XXXX XXXX and the credit BUREAUS for reporting fraudulent information on my credit reports. This was paid in FULL and I only had a {$500.00} credit limit the card was paid in full. They supplied me with credit card statements but nothing showing why they say I owe {$2900.00} when I only had a {$500.00} credit limit which was paid in FULL I do not owe this and i will win in court if I have to go that route. I think this may have been part of the Equifax breach. The dicuments sent prove nothing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-18
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:
To Whom It May Concern : I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below.

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible! 

The accounts I am talking about are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: EQUIFAX, INC.
State: MO
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 letters to all three credit bureaus, XXXX, Equifax, and XXXX, on XX/XX/2020 requesting information be provided to me authenticating 3 collection accounts listed on my credit report, including contracts or service agreements that I signed, in accordance with section 609 of the fair credit reporting act. None of the 3 bureaus provided me any information, merely stating that they validated the authenticity of the reports. I would like to see the signed contracts as I believe these accounts to have been made fraudulently. I opened a new dispute through XXXX XXXX on XX/XX/2020 with XXXX with the claim of fraudulent accounts on the reports and again got no resolution, they merely closed the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: Experian Information Solutions Inc.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$32000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXX and the subsequent response received onXX/XX/XXXXenclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

-- AUTO ACCOUNT -- 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$32000.00} -This is not my account.

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 2017-08-03
Company: Cottonwood Financial Ltd.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Collector calling my place of employee, also contacting co-workers claiming that i used them as a reference and recently started contacting my co-workers spouses, one person asked them to stop calling there place of business and their cell phone to which the collectors response was I 'll call you again tomorrow and laughed when she asked for his supervisor he stated and yelled " MAINTENCE!! HAHA I 'll call you tomorrow '' They are harassing my coworkers, their spouses and also my wife and daughter.My supervisor at work has had to speak to me bout this issue now, I 'm enclosing a copy of one voice mail and one of my cell phone records for one day.The debt has been charged off by the orginal debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: AVANTE
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As of XX/XX/2019 I noticed a collection Avante USA for XXXX services of Kansas. I have no knowledge of this debt, as I was living in Texas at the time it showed up on my credit report and I have received no letters of correspondence about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Experian Information Solutions 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:
FAIR DEBT VIOLATIONS AND FTC

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 2020-05-22
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: Information belongs to someone else

Complaint:
FAIR DEBT VIOLATIONS AND FTC

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 2020-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Today XX/XX/XXXX I was at XXXX XX/XX/XXXX to obtain a personal loan to help me get by the pandemic. But, I was denied and I was denied because of negative accounts that do not belong to me XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX ). My personal information birth certificate, driver 's license, and social security card was stolen on XX/XX/XXXX and someone has been opening accounts under my personal information. I did not authorize anyone to use my personal information to open the accounts above. I did not receive any money, goods, services, or any other benefits as results of these accounts being open under my name. I need these accounts blocked from my credit report because they are a result of identity theft.

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 2018-02-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
A company claiming to be XXXX XXXX XXXX, contacted me. Very threatening when I called them back. This debt has been charged off.please see transcript of voicemail they left below ______ hi this is XXXX XXXX calling with the XXXX XXXX some of the vision inspector ______ trying to get in contact ___ _______ _____ XXXX XXXX XXXX proximity to XX/XX/XXXX XXXX years of age __ it's _______ calling to inform you that we received a ____ of action or today from the county clerk liaison 's office concerning a repeat of my compliance on the _____ as well as to from complaints being filed to get your name XXXX security number ending in XXXX at this time due to the XXXX XXXX not __________ they are asking that _____ documents __ be served ________ to your residence or placement appointment to have you sign for court appearance I just wanted to verify some information with you about ___ record before coming out but unfortunately I'm available um we will be making our way out shortly to a XXXX XXXX XXXX if you're not available we will have no choice but to try __ XXXX XXXX XXXX XXXX XXXX __ a place of employment if you're at your place appointment you possibly need _ witness from her supervisor or somebody from HR department in order to sign for your legal documents um if you have any questions or concerns you may contact ______ __ __________ at XXXX again that's XXXX when calling please refer to case number US as _ like United States XXXX XXXX XXXX XXXX call has been recorded document __ the show proof that ___ find a little _____ __ ___ leave _ notify today 's date XX/XX/XXXX XXXX you _____ XXXX XXXX XXXX _____ the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: Navient Solutions, LLC.
State: WI
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:
I was contacted by Navient by email about a payment due of XXXX on XX/XX/XXXX. The total due was XXXX plus interest ( XX/XX/XXXX ). Since that time I've been trying to find out why I suddenly owe this money. My loan was completely paid off and I received a letter of this on XX/XX/XXXX. Not one person out of the multitude I've spoken to from Navient and myeddebt.ed.gov can show me exactly why I now owe this money. I've searched the websites off both companies logged in under my account and I don't see anything to support what little information I have gotten from them. I've searched my bank records for anything to show what they are saying is why I owe. I've provided those records to them to show that they're wrong and was told I still owe. I will pay this amount if they can show that I absolutely owe this. But they have yet to do this and are still harassing me saying that I am behind. Also you can't contact the Department of Education directly to dispute. They just auto transfer you back to the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2020 I opened a checking account with HSBC under the terms that I would be receiving a {$220.00} bonus for opening the account and thereafter depositing {$500.00} a month to the account through direct deposit for 3 consecutive months. After meeting the criteria and not receiving the bonus I called the customer service line. I called this line on 7 separate occasions, 6 of which I was promised by the employee that my bonus money would be deposited shortly. On the 7th call, they decide to remit that payment promise and inform me that I no longer am eligible for the bonus. They wasted hours upon hours of my life with their lies and still refuse to pay out the bonus. The incompetence of this bank is absolutely astounding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: TCF NATIONAL BANK
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX I had a bank payment of $XXXX that I had thought I canceled the autopay on. Because I had not planned for this amount of money being drawn out it caused me to overdraft my account on XX/XX/XXXX when I made payments of $XXXX and $XXXX to XXXX. Additionally, I had an overdraft on the XX/XX/XXXX due to two payments that I thought were canceled of $XXXX and $XXXX. I was charged on XX/XX/XXXX for 2 overdraft fees on the same day my paycheck of $XXXX direct depositted. I called and explained to the bank that I am currently living paycheck to paycheck due to a XXXX that I had wiping out my finances and I asked that instead of being charged 3 overdraft fees at $XXXX each that I pay just one. They would not budge on any of the overdraft fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-24
Company: EQUIFAX, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$32000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

-- AUTO ACCOUNT -- 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$32000.00} -This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Account Ending in XXXX Capital One XXXX  : XXXX Last CFPB Complaint ID : XXXX Capital One is stating that it is going to take over 90 days to send my money back that was fraudulently obtained by a scammer that opened an account with them. They have already admitted the money belongs to me and that they are going to send it back to my bank XXXX via check. After talking with XXXX they stated that usually banks just wire the money back to the sending account and this does not take that long. 

Due to COVID and being scammed out of {$36000.00} my family is experiencing severe financial hardship. If my funds are not returned to me sooner my family of XXXX is going to be out on the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have called Dovenmuehle Servicing several times. They admit that I have paid over {$15000.00} yet they will not send me an itemized statement of where my money went and I called to set up 2 PRINCIPLE ONLY payments and the applied it toward front loaded interest and sent me a bill with a late fee. 

I am filing a complaint with the Consumer Financial Protection Bureau now. This is so wrong!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: EQUIFAX, INC.
State: WI
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:
Recently after obtaining a copy of my credit report I discovered that XXXX XXXX XXXX XXXX is listed as a current creditor for : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  and is reporting as open, and " Charged Off '' including Remarks ; Disputed resolved ; reported by grantor, consequently inaccurate balances have been furnished to all three credit bureaus. It appears the original creditor, [ XXXX  ] sold the account to XXXX XXXX XXXX for collection on XX/XX/XXXX, the initial loan amount reports a balance of {$2500.00} and secondly, a balance of {$2300.00} several disputes were filed with the Credit Reporting Agencies ( verbally and written ) between XX/XX/XXXX and XX/XX/XXXX. ( see attachment ) All three credit reporting agencies investigations have responded with " verified as accurate. '' According to the FCRA Section 609 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) is required and Section  611 ( 5 ) ( A ) mandates " promptly '' DELETION of all information that can not be verified. '' XXXX XXXX has failed to provide its source about how this information was obtained in accordance with the FCRA, and has owned the account since XX/XX/XXXX and failed to provide appropriate debt validation required by federal law verification before posting to my credit report An attachment is included with complaint confirming a request to obtain debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Filled with Coinbase : Case XXXX XX/XX/XXXX restricted from Buy/Sell and Send/Receive Case XXXX buy/trades restricted XX/XX/XXXX Case XXXX ( XX/XX/XXXX XXXX uploaded ID and picture with ( For Coinbase Trading XX/XX/XXXX ) for verification ID was approved, but am still restricted ( XX/XX/XXXX XXXX Case XXXX contact us from XXXX, and we can submit your account for a review at that time. I did contact for a review. 
Case XXXX followed your instructions for 2 step auth it does enable ( XX/XX/XXXX XXXX but still restricted from Buy/Sell and Send/Receive Received email XX/XX/XXXX that XXXX was passing information to an account specialist my take 4-5 business days XX/XX/XXXX sent email to XXXX and XXXX that it had been 5 days now and I did not get a response. I did not receive a response XX/XX/XXXX sent another email and placed another complaint on Coinbase through contact help coinbase.com that it has now been 17 days and nothing has been resolved This is all unacceptable! I want access to my money.

Company response to consumer: Closed with monetary relief