BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-22
Company: Lending Club Corp
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX I applied to borrow XXXX from Lending Club. I had previously had a loan from them that was paid in full ( early ) and always on time. 

My credit scores are XXXX, XXXX, and XXXX. Their Adverse Action letter stated my score was XXXX. They never ran a check as far as I could tell from my credit bureau report. 

My total credit card debit is less than 5K. 
I owe less than 11k for my car I own my home free and clear and it is valued at nearly 100K My bills are paid on time. The only negative thing was a foreclosure in XXXX due to a divorce. That negative will come off my report in XXXX, Otherwise my credit is excellent! 

In the application they asked my DOB - I am XXXX yrs old, and divorced. I believe I was denied this loan because of my age. I can see no other reason since nothing other than my address changed since the last loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: U.S. BANCORP
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Back in XX/XX/XXXX, I reached out to US Bank ( XXXX XXXX to advise that I had been impacted by Covid and needed assistance. They offered a program to me in which I could defer a payment for 2 months XXXX XX/XX/XXXX and XX/XX/XXXX ). They also extended it because no payment was required in XX/XX/XXXX as well. I just reviewed my statement and saw that they are charging {$610.00} as my minimum payment. I called and spoke with a representative named XXXX. XXXX advised that the payment is this amount because these are the minimum payments from XXXX through now. I was never told this by a representative nor did I ever receive any correspondence saying that I would have to be responsible for the payments that were deferred under the covid plan and they are now causing me further financial hardship. This is predatory. I would have never agreed to the plan had I known that they would handle it this way.

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 2018-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
Send 3 written requests to credit bureaus requesting original documents, and proof of late payment with date of late payment from the company and proof that i was late. All 3 credit bureaus did not send me ANY proof just sent me back mail stating company verified information? I asked for the proof and they failed to provide me the proof of my late payment with XXXX XXXX XXXX XXXX. I also told ALL 3 credit bureaus that if they didn't provide me with the actual proof that they were violating the Fair credit Act and still they failed to send me the proof requested.

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 2022-12-03
Company: Experian Information Solutions Inc.
State: MS
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXXXXXX : # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-06-23
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:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have seen this debt on my credit report for XXXX dollars. I mailed in a letter attached below asking for the debt to be validated. All I received was a paper stating the debt is valid and a XXXX papers with my name on it. No signature from me what so ever for 3 phone lines. None of the information I asked for was provided asking me to validate the debt. On the paper they sent me it says 0 minutes 0 texts and 0 data used on this mysterious phone account. Very confused and would like this  removed from my credit report. I know they can not provide the necessary information for this debt to be validated which is already proven in the letter I sent and, the information I received back. Please read letter sent in attachments, please help me get this issue resolved. Very quick to put something on your credit report but when they are wrong its almost impossible to take off.

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: 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 status incorrect

Complaint:
I already requested my XXXX  XXXX credit card be closed in good standing. They sent me an email which is confirmation about that request, but I did not see any update on my credit profile from all three bureaus. 
The account should be reported as closed in good standing ( never late ) : XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX NV 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 2022-12-02
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:
Account number XXXX Balance XXXX Date XXXX This account was fraudulently opened in my name. I have provided the police report and the FTC Complaint and the account still remains on my credit file. 

Account number XXXXXXXX  Balance {$310.00} Date XXXX This account was fraudulently opened in my name. I have provided the police report and the FTC Complaint and the account still remains on my credit file. 

XXXX XXXX XXXX Account number XXXX Balance {$4800.00} Date XXXX This account was fraudulently opened in my name. I have provided the police report and the FTC Complaint and the account still remains on my credit file. 

XXXXXXXX XXXX Account number XXXXXXXX  Balance {$500.00} DAte XXXX This account was fraudulently opened in my name. I have provided the police report and the FTC Complaint and the account still remains on my credit file. 

Address XXXX XXXX XXXX XXXX XXXX TX XXXX This address is not associated with me. I have provided the police report and the FTC Complaint and the account still remains on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: EQUIFAX, INC.
State: IL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: EQUIFAX, INC.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF INTENT TO FILE A LAWSUIT CEASE AND DESIST NOTICE OF DISPUTE AND DEMAND FOR IMMEDIATE CORRECTION Equifax should demand itemize billing documentation of medical bills that I attended XXXXXXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX Instead of just believing them against me. 

I do not attend XXXX XXXXXXXX XXXX and owe no bills to them or anyone. Investigation should be more than just calling XXXX XXXX XXXX but documentation as to why derogatory medical bills were in my reports XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: EQUIFAX, 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 disputed XXXX XXXX with Equifax on multiple occasions. I also disputed again on XX/XX/XXXX. XXXX is paid off and Equifax has it as a derogatory mark and it should be paid status. This XXXX is against compliance and Equifax is also against compliance. This will be my last compliant filed before I sue for not following FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been the victim of identity theft. I was told that I owe a debt for a XXXX account to which I had no knowledge about. Enhanced recovery is now in charge of that account. Ive tried to dispute with the credit bureaus and I am told the debt has been verified by enhanced recovery. How are the credit bureaus relying on enhanced recovery to verify a debt that I am not even getting a response from them about? 

I was sent a list of charges from enhanced recovery XX/XX/2020. 

Enhanced recovery is reporting late payments on this collection account which is not accurate reporting. 

I sent enhanced recovery a debt validation letter via certified mail which was received by them XX/XX/2020. 

Further more according to the FTC I have followed protocol by submitting my identity theft affidavit along with section 605b letter and identifying that account as identity theft.

I have been advised by an attorney to file a police report which Ive also done Im simply waiting confirmation of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: PNC Bank N.A.
State: WV
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
My bank told me that i can disclose my account and routing number to the app and that they will be able to use it that way and it is doing this with every app i try pnc says they are allowing these apps to work but whenu try to use them it wont allow it to work

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts. Please remove them.

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 2020-07-14
Company: Experian Information Solutions 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:
I have reached out to XXXX XXXX around XX/XX/XXXX through XX/XX/XXXX about and inaccurate information that Experian had listed on my credit report, that I'm missing a payment with them. XXXX XXXX had assured me that they have accurately updated my account with the credit bureaus so I should give them some time to update my credit file. I have reached out to Experian many times about this inaccurate data they are reporting but they refuse to resolve this issue.

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 2017-12-15
Company: Coinbase, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Sent a wire on XXXX XXXX, 2017 to Coinbase for {$20000.00} to deposit into my account with them. The name on the check did not match with the name on the account at Coinbase so they sent an email saying that they were wiring the money back to the bank. I have the email, the wire transaction when it was sent and I have been emailing them every day and trying to call. No one answers the phone and I get a generic email back saying that they are overloaded and will contact me. It has been almost a month and still no response and no money sent back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I sent in letters To XXXX, Transunion and XXXX on XX/XX/22 Disputing accounts and inquires that are not mine. It is now 30 days since I sent my dispute letters to these 3 companies and I believe legally they have 30 days to respond. As you can see from my letters which I will attach it is now 30 days.

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 2020-07-14
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I received a payment on my child support card from my ex husbands stimulus check. Since i had not received a payment in years the card that i have at home was expired, which automatically generated me a new card. Well i never received the card. I call twice about not receiving the card. On Friday XX/XX/XXXX I called and requested the card be express mailed since i had been waiting for my card that was allegedly sent XX/XX/XXXX according to the website. The gentlemen told me that it would be {$14.00} and some change and I would have my card on Monday. He also stated that I would get a tracking number. Well neither happened but they did charge me out of my child support and still did not send the card. I need my money and it is illegal for them to hold it XXXX the way that they are.Now my accounts listed a fraud and I can not log in or call anyone about it because it says they can not connect me. Can you pleas help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Today America First Credit Union seized a car that i signed over to another party because their information states its in my name i informed them as well im in the process of filing for bankrupcy and they still proceeded with debt collection activities fully in violation of the fdcpa. I need assistance in retrieving the vehicle and filing a claim for the fdcpa violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Waterfall Revenue Group
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I did not receive notification that the debt was being placed with a collection agency and being reported to my credit. I also did not have the chance or ability to dispute this debt before it was reported to my credit as required under the FCRA Also after a dispute through all credit bureaus the company has failed to update the comments stating that it was being disputed as required under the FCRA. 

This company also has not provided proof to substantiate the debt, or that they did as required in notifying me of the debt and my options to dispute as required under the FCRA even after I have disputed this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
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: Information belongs to someone else

Complaint:
I filed a dispute with XXXX and Equifax and they failed to comply with the FCRA 605 B and the 4 day removal of fraudulent items on credit report. They verified a fraudulent account and that is against the FCRA. A fraudulent collection Account called : XXXX XXXX Opened : XX/XX/2019 for a balance of : {$720.00}. This account was disputed and XXXX and Equifax refused to remove this fraudulent item and the collection agency failed to remove it as well. Also, they are not reporting accurate information about me as well. I am going to file a lawsuit against the credit bureau and the collection agency if this account is not removed within 10 days. This is not right and you all are violating the law and committing fraud in so many ways. I will not tolerate it. Please remove this fraudulent item immediately! Thanking you in advance for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: Paypal Holdings, Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Paypal refuses to refund my {$78.00} from a company called XXXX XXXX XXXX XXXX. This is a fraudulent company and PayPal is very well aware of this. This shows PayPal and this company are working together scamming people. 

Ordered XXXX XXXX hair wigs and when I received my ordered, the items were nothing I ordered. 

Filed a complaint with PayPal mentioning the company need to send me a prepaid shipping label, to return the items. The company do not want to send the prepaid shipping label only solution they provided is partial payment, that is not a option. 

XXXX XXXX XXXX, XXXX not wanting to send a prepaid shipping label is very suspicious. 

Founded out I'm not the only one that had the same problem with PayPal and this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-06
Company: Happy Money, Inc.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have a current personal loan with happy money formerly Payoff. 
In XX/XX/2021 I was admit to the hospital with XXXX XXXX. This caused my payment to be late and now there is a late payment on my credit report.. 
I quickly made a double payment and asked them if then can please remove this late payment as I was sick with XXXX. 
Spoke to a guy named XXXX who quickly said no that he would not remove it. I even told him I can send him documentation on my hospital stay and ask if there could be an expectation. The answer was still no. 


Thank you

Company response to consumer: Closed with explanation