BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-13
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: Account information incorrect

Complaint:
On XX/XX/XXXX I paid settlement amounts as agreed upon by XXXX XXXX XXXX XXXX using a home equity line of credit. I paid XXXX and XXXX and XXXX to XXXX to settle the accounts and clear the balances owed. The amounts were dispersed by my bank which is a Federal Credit Union. However, the present status shows that I still have a balance owing and past due amount even though the amounts paid and the amounts showing on my credit history are exactly the same amounts. This is negatively impacting my credit history. I called on XX/XX/XXXX to request that they change the status to correctly reflect that the balance amounts were settled upon ( that we agreed upon a settlement ) and that there is a XXXX balance remaining to be paid and no past due amount. I was directed to 5 different personnel and none of them understood why it showed a XXXX balance owed in the system but is incorrectly being reported on my credit report. I was transferred numerous times. The last person I spoke with told me to file a complaint and show my XXXX forms that show the cancellation of debt in the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
On XX/XX/XXXX I paid settlement amounts as agreed upon by XXXX XXXX XXXX XXXX using a home equity line of credit. I paid XXXX and XXXX and XXXX to XXXX to settle the accounts and clear the balances owed. The amounts were dispersed by my bank which is a Federal Credit Union. However, the present status shows that I still have a balance owing and past due amount even though the amounts paid and the amounts showing on my credit history are exactly the same amounts. This is negatively impacting my credit history. I called on XX/XX/XXXX to request that they change the status to correctly reflect that the balance amounts were settled upon ( that we agreed upon a settlement ) and that there is a XXXX balance remaining to be paid and no past due amount. I was directed to 5 different personnel and none of them understood why it showed a XXXX balance owed in the system but is incorrectly being reported on my credit report. I was transferred numerous times. The last person I spoke with told me to file a complaint and show my XXXX forms that show the cancellation of debt in the complaint.

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 2017-07-14
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I filed a dispute with  Barclays c ard about a late payment back  in  XX/XX/XXXX  . I called in  XX/XX/XXXX  and wrote a letter in  XX/XX/XXXX  after I realized this was listed on my report and asked for it to be removed as I was a victim of fraud with my checking account and had to close account out and it affected making my payments despite the reasonable case that I made, the creditor is acting unreasonably.

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 2018-01-02
Company: TRANSWORLD SYSTEMS INC
State: OK
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Student Loan : XXXX XXXX ( XXXX XXXX and XXXX ) My student loan was originally XXXX in 10 years it is now XXXX dollars. I was never made aware of the interest that it had accumulated throughout the years. They filed a garnishment against me 6 times and even garnished my bank account, while a payment was already settled in court. It has brought me to change jobs, financial difficulties, almost evicted, lights shut due to the garnishment in my bank account twice. They failed to get a hold of me even after I asked them if there is another student in records. They even attempted to take hold of property, which I do not even own. I was never aware of a lot of things when they attempted to garnished. I was never provided any documents as to why I owed such a large amount. Back in XX/XX/XXXX & XX/XX/XXXX I was served at home with documents to show up to court, but at that time I was in school. My student loan was made on XX/XX/XXXX & 2008. I was confused as to why I was served with an XXXX debt in XX/XX/XXXX & XX/XX/XXXX? Please help, this has caused me XXXX and stress. 

My hopes are my case will be part of the action lawsuit that was issued against them on XX/XX/XXXX. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
In a prior on phone conversation on a recorded line a rep told me the account was to be removed by XX/XX/2019. it is still showing on my credit report. PLease fix this.

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 2019-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XXXX of 2019, I closed XXXX of my Bank of America credit card accounts. At that time I had a small {$95.00} credit balance owed to me by the bank. Since I do all of my banking at Bank of America, I wasn't too worried about the money as I assumed they would send me the money eventually by check. 
In XXXX, Bank of America finally removed the credit card from being viewed in their online portal. At this point - I confirmed that I had not received the check or a payment. From that point on, I have called Bank of America 5 times. Each time they claim that the check is in the mail and that I just need to wait 5 business days. Each time I call back, they deny that anything has been done previously and I am forced to start the process anew.

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 2022-02-10
Company: Google Compare Credit Cards Inc.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Good afternoon money was taken by Google pay which was unauthorized on last moth on XXXX XXXX I never opened account for Google pay they are taking money without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: LEXISNEXIS
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XX/XX/XXXX XXXX  XX/XX/XXXX I notified XXXX and XXXX and they continue to report the same bankruptcy twice. I will attach all documentation that I have sent to them. I even contacted Lexis Nexis and they totally ignored request to validate. 

Double Reporting : XXXX XXXX XXXX Court Name XXXX XXXX XXXX XXXX XXXX XXXX  Identifier XXXX Type XXXX Account Ownership Type Attorney Name Disposition Type Dismissed Disposition Date Filed Date XXXX Paid Date Settled Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Court Name XXXX XXXX XXXX XXXX XXXX XXXX Identifier XXXX Type XXXX Account Ownership Type Attorney Name Disposition Type Dismissed Disposition Date Filed Date XXXX Paid Date Settled Date XXXX Consumer Dispute Indicator XXXX XXXX XXXX XXXX Court Name XXXX XXXX XXXX XXXX XXXX XXXX  Identifier XXXX XXXX Type XXXX XXXX Account Ownership Type Attorney Name Disposition Type Dismissed Dismissed Disposition Date PUBLIC RECORDS The following public accounts are recorded in your credit report. 
Disposition Date Filed Date XXXX XXXX Paid Date Settled Date XXXX Consumer Dispute Indicator XXXX XXXX XXXX XXXX XXXX Court Name XXXX XXXX XXXX  Docket Identifier XXXX Type XXXX Account Ownership Type Attorney Name XXXX XXXX XXXX Disposition Type Dismissed Disposition Date Filed Date XXXX Paid Date XXXX Settled Date XXXX Consumer Dispute Indicator XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: I.Q. DATA INTERNATIONAL, INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Contacted on X/XX/17 informed company this debt is not mine I never signed a lease, I was never a lease holder. Please do not allow this on my credit report incorrect information.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: Navient Solutions, LLC.
State: AL
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 trying to get XXXX Loan Forgiveness. It took submitting 3 times and blessing them out to get straight answers. I finally got that done. Now I have been trying to get information on federal forgiveness programs and consolidation and keep getting the runaround. The servicer is Navient. I can never get a straight answer. Also, they have tried to force me to take extensions. They actually implemented it once without permission. I am so done with this company. Thank you for your help. <P/>Sincerely Frustrsted

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have spoken with multiple associates of RS Clark & Associates. I have asked them multiple times to send me debt validation and they have stated that they sent it to me once and would not send it out again. I never received anything to my address which they stated they sent to and they have claimed that I have lied about not receiving the letter. They call me almost every day. XXXX times I have had to ask them not to call while I was a at pediatrician appointment with my premature baby and they still called back again. I do not understand why they keep calling me after I asked them not to call me until they sent me a debt validation letter. They claim I owe XXXX XXXX {$200.00} but have refused to send me any debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
An original letter was sent on XX/XX/XXXX, and I have not received a response nor have these unauthorized inquiries been removed. Therefore I am sending a complaint to prevent this matter from being unresolved for any longer, as I have not received a written or electronic response in regard to these unauthorized inquiries. There was an FTC Report attached as well and all inquiries email on the account. On XX/XX/XXXX I submitted a Demand 2 Comply in regard to not only the inquiries being ignored but the accounts that have been requested to be investigated as well. I have been completely disregarded by this entity.

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 2021-08-04
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I requested one loan from Suntrust DBA LightStream and had my credit checked twice for the same loan. Once on XX/XX/20 and once on XX/XX/20. I requested this error be rectified by the company and they failed to do so. I contacted XXXX XXXX and they requested I submit documentation along with my dispute, which I was to obtain from the FTC. I called the number they provided for the FTC and am being sent in circles.

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 2019-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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:
Back in XXXX of 2016, I deposited a check into my Bank of America account that returned as being counterfeit. At the time, I had signed up for a secret shopping job assignment. The check was mailed to me to use for the purchases I would be making. I didnt know the check was counterfeit if so I would have never deposited into my account. I have attached the email correspondence from the person I was working with regarding the assignment. I am writing Bank of America to request that the negative reporting be removed from XXXX ( XXXX   XXXX XXXX ) and XXXX. I've spoken to several different departments within Bank of America. I was referred to send a letter with the email proof showing this wasnt intentional to have it removed. I am in the process of trying to get a mortgage through a bank, and this issue is preventing me from doing so. I would greatly appreciate it if you would please remove the adverse reports from both XXXX and 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 2022-02-10
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Unauthorized inquiries were discovered on my most recent credit report. I never gave these companies permission to access my credit report : this is 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 non-monetary relief
Consumer complaint received 2017-07-14
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I dont know who this company is they are mailing me letters and calling me on my cell i dont know who they are

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: EQUIFAX, INC.
State: SC
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:
Equifax has continued for the last 5 years at least to put an item on my credit report which do not include my birth date or social security number. I learned after thinking this item was removed from my account that it was placed on it again in XX/XX/XXXX. At which time I contacted XXXX XXXX XXXX XXXX and in a three way call with XXXX XXXX proved that the billing was not mine and my accounts with XXXX XXXX XXXX XXXX were paid in full and I did not use them on the date in question. Since this time XXXX XXXX has requested that this item be removed from my account but for some reason Equifax refuse to remove it and only states that the consumer disputes this account information which is what I did when it was first placed on my report. Equifax never responded to the dispute and after the seven year period when it was coming off it was placed on my report again without a birthdate or social security number to verify it is my account. This false information has cause great financial hardship, mental and emotional distress with the difficulty it cause in obtaining items on credit and the higher interest rate I am charged for this false information. 
Item to address recent collection account XXXX XXXX account number XXXX date filed XX/XX/XXXX last date reported XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I have a crypto trading account on the Binance.US platform. 
Yesterday ( XX/XX/2022 ), I received an email from Binance.US informing me that they mistakenly distributed the wrong amount of the XXXX XXXX to my account on XX/XX/XXXX, giving me XXXX XXXX instead of an unspecified lower amount that they should have sent. 

Binance.US informed me that they need to withdraw the excess ( estimated at about XXXX XXXX ) from my account to correct their XX/XX/XXXX error, and told me that all trading and withdrawals on my account would be disabled until they make that withdrawal. The message provided no estimate of how long this might take. 

Unfortunately, in the more than one month between their error and them notifying me of the error, I sold the crypto coin in question and as a result no longer have enough XXXX in the account to cover their intended withdrawal. My account was frozen anyhow, along with over {$14000.00} in USD and other assets that I have there. 

I immediately attempted to contact Binance.US customer service for instructions and/or an estimate on the duration of the suspension, but was only able to submit a ticket requesting a contact by their support team. I submitted that request with full details of the issue, but as of today XX/XX/2022, I have not received any response whatsoever from Binance.US. As a result, I remain unable to trade on the account or access the funds that I have stored there, and have no idea when I'll be able to access my money.

TL : DR : Binance.US made an error in depositing $ XXXX {$60.00} worth of excess XXXX to my account on XX/XX/XXXX. They froze my account until they can withdraw the excess coins resulting from their error, but due to them not notifying me of their error for over a full month the account no longer has enough of that specific coin to cover their intended withdrawal. My account valued at over {$14000.00} USD remains completely locked and my funds inaccessible to me, but they have provided no additional instructions, estimated date of resolution, or any response whatsoever to my customer support inquiries. 

As a result, I risk substantial additional financial damage due to my complete inability to access the account during a period of high market volatility. 
The poor service and communication displayed by Binance.US is completely unacceptable for any financial institution or trading platform, and more than 24 hours after contacting Binance.US about the matter I have yet to receive any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have been trying to get this matter resolved with PNC since XX/XX/XXXX. {$8200.00} of my funds from my accounts was stolen and the Branch manager refused to help. Some of the employees changed transactions to cover up the theft because my statements are now inconsistent and I sent a package with evidence of the fraudulent transactions created, however no one got back to me. A XXXX XXXX signed for the package on XX/XX/XXXX. The resolution was closing my accounts and refusing to speak to me. I want someone who will actually investigate PNC 's ethical practices. Because I feel they are committing fraud and theft of funds. I want my money ... and justice!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: Verisk Analytics Inc
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/XXXX, I requested a copy of my XXXX consumer report from Verisk. OnXX/XX/XXXX, I contacted the consumer reporting agency to dispute the information listed on the report, specifically, claim dated XX/XX/XXXX. I was told the reporting agency contacted the furnisher ( XXXX XXXX ) and it was determined that the information reported is accurate. In the meantime, I contacted the furnisher ( XXXX XXXX ) and was provided a letter that states the information listed on the report is NOT accurate and has been changed from a claim to an inquiry and that the information has been removed from their records and have initiated the process to have it removed from my public record. On XX/XX/XXXX, I spoke with a representative from Verisk that stated the inaccurate information will remain on my public record for 5-7 years, and the insurance companies only look at the last 5 years. This is not acceptable! Under the Fair Credit Reporting Act, inaccurate information must be removed. Consumer are being penalized for inaccurate information reported by this reporting agency.

Company response to consumer: Closed with explanation