BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-15
Company: Atlanticus Services Corporation
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was made aware of an attempt to pull my credit by an unknown source on XX/XX/2020. Since I have not applied for credit recently I assumed this was fraud and intermediately froze my credit reports at all 3 credit reporting agencies. I also added fraud alerts to my credit reports. On XX/XX/2020 I started receiving alerts that a new account was added to my credit reports with XXXX  and XXXX. The account was listed as XXXX/Aspire   and was opened on XX/XX/2020 and closed on XX/XX/2020. I immediately filed disputes with XXXX  and XXXX  to have the account removed. Within 24 hours XXXX  notified me that the account was verified and would not be removed. I also contacted Aspire at XXXX but they seemed disinterested in helping. This is not my account and is fraud and needs to be removed from all of my credit reports immediately. I will be contacting the local police and filing a report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: Experian Information Solutions 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:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$21000.00} XXXX XXXX XX/XX/XXXX {$2100.00} XXXX  XXXX XXXX XX/XX/XXXX {$350.00} XXXX  XXXX XX/XX/XXXX {$520.00}

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 explanation
Consumer complaint received 2019-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 am very concerned about the validity and accuracy of the recent investigation done by Transunion. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Transunion failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) 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 2020-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
XXXX/XXXX/2020 {$86.00} - Total Fee {$76.00} - Finance Charge {$10.00} - Late Fee Double charged a finance charge and also charged a late fee. Charge was paid on XX/XX/2020 but billed again on XXXX/XXXX/2020. 

Billing statement lists : XXXX - Paid XXXX - Principal Paid XXXX - Finance Charge Paid {$0.00} - Principal due But outstanding still {$76.00} finance charge. 

Bank of America refused to acknowledge the problem and tried to waive the double fee, pretending like there was nothing wrong. Required 3 hours on the phone to resolve it, during normal business hours on XXXX/XXXX/2020.

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 2020-10-29
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My debit card had unauthorized charges from another country on it, including : XX/XX/2020 XXXX XXXX PENDING XXXX XXXX I received no fraud alert, I noticed them on my statement. I contacted penfed, they would send a new debit card, void the charges, and credit the fees caused by the unauthorized charges. 

I received the new debit card, but I have not been credited for the fraudulent charge, and I have not been credited for the fees caused by the fraudulent charges.

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 2017-08-09
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company is trying to collect on a illegitimate debt that XXXX XXXX XXXX claims that I owe. I always paid the dentist my co-pay and I always had insurance whenever I went to this provider. Sometimes I would have to pay many hundreds of dollars to this provider, sometimes over a thousand dollars. I always paid my dental bills in full at the time the service was rendered. This claimed debt is completely illegitimate. I believe that I informed the debt collector, CHOICE RECOVERY INC, of these facts. If this item continues to remain on my credit report, I intend to sue both CHOICE RECOVERY INC and XXXX XXXX XXXX for slander of credit.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
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:
The Credit bureaus are reporting erroneous information on my credit reportThis address was linked to my identity theft case and should be removed immediatelyXXXX XXXX XXXX XXXX XXXX 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 2020-07-08
Company: SunTx Capital Partners
State: MA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my report and I saw an auto loan under FREEDOM TRUCK FINANCE FOR {$15.00} XXXX. I am shocked because I have never asked or financed a truck from them. Never in my wildest dreams to finance a truck be bound to them. I worked for them but that is it.

Company response to consumer: Untimely response
Consumer complaint received 2020-05-15
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2020 I became aware of inaccurate information listed on my credit reports by Credence Resource Management , LLC. I requested validation, competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay them. On XX/XX/2020 I received a dispute acknowledgement - On XX/XX/2020 I received a dispute investigation response stating that the " creditor '' verified the account as valid. 

Credence Resource Management , LLC is listed as the creditor for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX credit reports. Did they reach out to themselves and verify the account status? On XX/XX/2020 I also received an itemized document to verify the referenced account. On XX/XX/2020 I responded with a second attempt requesting proof of the account accuracy at which point I never received a response. 

Credence Resource Management , LLC changed the name and creditor reporting to XXXX  resulting in additional harm to my credit scores after my first certified mail request. 

I believe that Credence Resource Management , LLC is acting in bad faith by attempting to collect a debt that is unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-28
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I had invested a total of XXXX USD with Coinbase. Everything was good until about a month ago when I had some problems with my laptop. Among other information, I lost the authenticator app and the secret key for my account. That meant that I would have to be reauthorized by Coinbase.

So, I entered my username and password. Then I entered my cell number and they sent me a verification code. After I entered the code, I was prompted to either show an ID to my webcam or upload an ID. I chose to upload pictures of the front and back of my driver license. Then I was prompted to use my webcam to take a picture of myself. I did this and within about a minute or so, it came back with unable to verify.

I sent an email to Coinbase support which stated this problem. What transpired after this can be understood in a series of email replies back and forth, which I will include with this complaint. The bottom line is that at this point I almost feel as if I have lost the money I invested, because they now have been unresponsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: MoneyLion Inc.
State: IL
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:
i made a promotional purchase on line and paid XXXX for the product on XX/XX/2022 but was emailed four aditional charges of XXXX and XXXX dollars all showing i purchased XXXX XXXX XXXX i contacted the company and was not able to get a response.

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 2017-08-04
Company: John C. Heath, Attorney at Law, PLLC
State: NY
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: Problem with personal statement of dispute

Complaint:
. When I requested the same information from the XXXX XXXX XXXX XXXX account which was over 7 years old they provided the information that I needed, and I was n't responsible. Therefore, I naturally requested that same information from XXXX XXXX upon closing the account. XXXX XXXX customer service/debt collectors continued to resist providing any information regarding ownership of the business account. XXXX XXXX provided, no letter 's, nothing on federal guideline facts. I 'm now just being informed of this federal guidelines fact on Friday XX/XX/XXXX, why was n't I informed of this fact upon on closing of the account? The reason I decided to stop using XXXX XXXX was poor customer service from your global locations, and it 's had to find places that take XXXX XXXX in XXXX. XXXX XXXX debt I paid that immediately when that showed up on my credit report. I yearly use and pay of XXXX Dollars in Credit. I pay my bill 's on time and I have an impeccable payment history. I will not stop, until this it 's been removed from my credit profile, and that has to happen immediately, if not I shall seek compensation. CFPB Ref No : XXXX Ref : XXXX Subject : Your XXXX XXXX XXXX Business Credit Card Ending in XXXX Account Liability Credit Reporting Dear XXXX XXXX, Account Liability We are required to retain copies of applications for a period of 25 months according to federal guidelines. Our records reflect that your account was opened on XXXX XXXX XXXX. Therefore, we are unable to provide a copy of the application you submitted for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: Financial Business and Consumer Solutions.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received correspondence from FBCS Inc., a collection company, for an old debt and they said that they were collecting for XXXX XXXX XXXX XXXX. The amount is $XXXX, which is ridiculous, for XXXX XXXX. They say that the settlement amount is $XXXX and now this is reporting on my credit report TWICE! 

I want FBCS (XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX) and XXXX XXXX XXXX XXXX   sanctioned and I want this item REMOVED from my credit report. 

They are using debt collection actions that run afoul of the debt collection rules and regulations and this is a very old account and it should not be reporting TWICE!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
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: Was not notified of investigation status or results

Complaint:
I submitted a letter of validation to Equifax XX/XX/XXXX asking them to validate the debt from XXXX XXXX XXXX   XXXX and between XX/XX/XXXX and XX/XX/XXXX it was removed from my credit report. I recently checked my reports to see if a status was updated for my credit card and I noticed that XXXX XXXX XXXX XXXX  was back on my report. I did not receive anything from anyone stating that pertains to an update and I know that it is a violation the FCRA 623 ( a ) ( 8 ) ( D ) that I should have been notified in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: SYNCHRONY FINANCIAL
State: MA
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:
I set up a new payment account to pay my Banana Republic Visa bill through Synchrony's website.  I had the wrong account number so the payment was returned. I was notified of the returned payment by Synchrony but NEVER notified that more than one returned payment would result in my account closure and loss of points earned. I revised the payment account number but this was also returned. I contacted my credit union and was informed I have a limit of 6 transactions per month from the account, which I was unaware of. This is why they refused the electronic payment. I then logged in to the Synchrony website to revise the payment method, and saw it said "this account has been closed." I then received an email from XXXX XXXX asking if I closed this account. I NEVER got notice OR warning from Synchrony Banana Republic Visa that a second returned payment would result in immediate closure of my account and loss of points. I called Synchrony and was told, sorry it's a term (hidden someone in the fine print of course) yes two returned payment your account is closed automatically with no opportunity to reinstate it.  Please note, my account was in good standing and my minimum balance was paid so the two returned payments are the sole reason my account was closed.

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 2018-04-02
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I pay all my bills on the first of the month, as I have for decades, which is why I never get late fees. A few months back I paid my bills on the first as usual, but there must have been a problem with the mail because CITI says I got the bill late and docked me a late fee of {$38.00} for a charge of {$15.00}. I called them up and they would not waive the fee after fifteen years of never making a late payment. There should be some wiggle room here because the United States Postal Service is not infallible. Also, the late fee should not exceed the amount owed.

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 2017-08-04
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: Account information incorrect

Complaint:
To whom it may concern : I have recently pulled my TRANSUNION and XXXX credit report and noticed accounts that have been investigated by another credit bureau are still being reported by XXXX AND TRANSUNION. Attached to this letter is proof that these accounts were deleted due to inaccuracies. Please follow suit and delete these accounts for accurate reporting. XXXX has removed all accounts associated with : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PURSUANT TO THE FAIR CREDIT REPORTING ACT, I EXPECT YOU TO REMOVE THESE ITEMS FROM MY REPORT WITHIN 30 DAYS. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for the updated 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 2018-02-28
Company: Southwest Credit Systems, L.P.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
on XX/XX/XXXX a person stole my wallet and charged on my credit cards, the bank help with those charges. I put a fraud alert on my credit for 7 year. But my credit report shows in my personal information addresses I live in XXXX, California. never been in California. Now I got a letter from Southwest Credit collection agency collection bill from XXXX XXXX XXXX for {$1300.00} from XXXX, Ca. I don't know how that happens I have fraud alert since XX/XX/XXXX. the same person is renting with my SSN

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: Midwest Recovery Systems
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just found in my credit report a collections for {$300.00} from Midwest Recovery System.

I do not owe that money if should be a mistaken identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: CITIBANK, N.A.
State: IL
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 check into my credit report. It show a closed account with a large debt. First of all is not my account & never apply for creditors. Its damaging my credit. What should do.... I contacted the company but no help because I am not primary authorized person & Thank you.

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 2018-04-04
Company: Credit Bureau of Carbon County
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Creditor called me about a medical bill that i was NOT responsible for. I then contacted my insurance and was told they would take care of it. The medical bill was my insurance responsibility. I was unaware of the negative report on my credit till recently. The negative mark on my report was place after insurance failed to pay my medical bill. I wasn't aware of the bill as they had been sending it to the wrong address. I have contacted both parties and gave them all information needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
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: Account status incorrect

Complaint:
LATE PAYMENTS ARE REPORTED ON STUDENT LOANS WHICH WERE IN DEFERMENT AND THEN LATER CONSOLIDATED. LATE PAYMENTS NEVER REMOVED AND IT IS NEGATIVELY AFFECTING MY CREDIT SCORE. DEFERRED LOANS CAN NOT BE LATE, WHEN NO PAYMENTS ARE DUE. 

XXXX XXXX OVER 20 ACCOUNTS SHOW LATE PAYMENTS.

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