BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent in countless letters to XXXX  and TransUnion consumer reporting agencies regarding the XXXX XXXX account on my report. I have served XXXX XXXX with a Cease and Desist Notice. The XXXX XXXX account should not be on my Consumer report. I haven't given any company or person permission to furnish XXXX XXXX on my Consumer report. Both XXXX  and TransUnion should delete the account immediately before I take legal action against both Consumer reporting agencies according to the FCRA.

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 2018-07-27
Company: CCS Financial Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Collections Services is reporting on my credit report fradulently. I've contacted Credit Collections Services and ask for the original indebtedness of said account to no response. This is against the law for this company to continue to report false information according to the FCRA. I also didn't find that this company has a valid License, Bond, and Certificate of Authority in the state of Arizona.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I contacted Experian in XXXX about incorrect personal information on my report. There were several mistyped names and addresses. I never received a response back and upon looking at my current report they chose to pick and choose what they took off. Under the FCRA they must take off any information that is incorrect. I called and informed a rep that I have never lived at any of the below addresses listed and that the names I have never been known as or legally been. She informed me tough luck they report what they want and if it's a debt owed they won't remove it. Well, it's inaccurate information which tells me the credit bureau isn't actually validating debt and just putting whatever it wants on it. 

These are INACCURATE names and addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, nc XXXX XXXX XXXX XXXXl XXXX, nc XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-05
Company: EQUIFAX, INC.
State: TX
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 filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports/. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: Bread Financial 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 information incorrect

Complaint:
I have paid down these accounts XXXX I have disputed all of them on XXXX, XXXX  XXXX has updated, but did not reflect on the other two credit bureaus. 

XXXX  XXXX reported balance is XXXX actual balance is XXXX Wayfair reported balance is XXXX actual balance is XXXX XXXX reported balance is XXXX actual balance is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: Halsted Financial Services, LLC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX and the affiliate company Halsted Financial is continuing to attempt to illegal collect on a unverified debt and use illegal practices. XXXX has Halsted call numerous times a day from a unknown number, when you pick up the caller does not answer, instead you have to call them back, when calling back and asking who the number belongs to, they refuse to answer, only saying we will get to that later repeatedly asking who is the caller they refuse to identify themselves until they collect skiptracing information such as phone number, address, ssn, ect. They also call prior to XXXX and claim that they can call you becuase the companies location it is later, regardless of the time zone you live in. They then threaten litigation on a debt pass the SOL that they know can not be litigated on. The following day, more of the same. Calls to XXXX do not solve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The incident happened between XXXX XXXX  to XXXX XXXX   CST on XX/XX/2020. I deposited {$300.00} in cash using the PNC bank ATM inside the XXXX XXXX XXXX XXXX XXXX XXXX  in XXXX. The debit card I was using is a XXXX  XXXX XXXX debit card. The machine took my cash and threw an error message. ( Can not remember the details, but it was something like " Transaction can not be processed and have to be done at your financial institution ''. 

Contacted PNC Bank customer service on phone, told me to contact XXXX  XXXX XXXX. XXXX  XXXX XXXX customer service told me there is no deposit record on my account, and told me to contact PNC. Told the same PNC customer service the situation clearly again. She became really rude and hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
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:
Re : Acct. XXXX XXXX XXXX XXXX report XX/XX/2016 {$580.00} Reporting from all credit bureaus. 

I have contacted XXXX XXXX XXXX, XXXX verbally since XX/XX/2016. They would not remove the acct. 
I contacted them by letter XX/XX/XXXX telling them it is a violation of the Fair Credit Reporting Act to report {$580.00} balance due to XXXX on my credit. I requested viable evidence bearing my signature that the report to be accurate. THey did not respond to my request. 

I wrote a letter to all credit bureaus disputing a false collection on my credit report XX/XX/XXXX. I requested a copy of any documents, bearing my signature showing that I have a legally binding contractual obligation to pay the alleged amount. The days and times of sign in and sign out of services equaling the alleged amount claimed that I owe XXXX XXXX XXXX XXXX. 

They responded stating the information was verified but did not provide any documentation requested that this was an accurate report. This is a violation of the Fair Debt Collections Practices Act Section XXXX and Defamation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I received an email from XXXX stating that my student loans have been transferred to XXXX, and I would have to set up online access with them. I created the profile, however my loans are not showing. It is showing I have no loans or ability to pay on them. I then tried to contact customer service and could not get through. I then emailed them directly, and did not get a response. I was told for sure by XXXX the account will be ready XX/XX/XXXX, but now here it is XX/XX/XXXX, and I am unable to make a payment or even have access to my student loans. Payments are going to be due, and I can not pay on them because I have no access. I am now getting loan error messages on the website, but it is not giving me access to the loan, ability to pay on the loan, and they are not willing to communicate with me. I just want to get this resolved. This can not effect my credit. This would have an impact on me getting a mortgage if these are not resolved. Please assist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX card did a hard inquiry in my credit without my permission when I called to get my credit limit. Hard inquiries stay in your credit for at least two years. I tried to dispute this unlawful issue through Experian which deters you from disputing hard inquiries by making them practically impossible to report. After waiting on the phone, i was told by Experian employee XXXX ( no other info given ) that only inquiries as a result. of identity theft can be disputed so obviously Experian credit agency is in league with the bank against the consumer. They can not allow banks to report hard inquiries without customer permission. The CFPB is a toothless agency that will pretend to side with the consumer to continue on the federal-virtue-signaling-politically correct dole at tax payers expense

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 2020-10-15
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Suntrust has closed my account for no reason without any warning. They claim that they needed to verify where the funds came from so I sent them copies of my bank statements from my XXXX  account and money order receipts, they said that still wasnt enough. Every time I call I get a different answer as to whats going on I even spoke to an employee named XXXX and she told me that a check in the amount of {$6100.00} which was the remaining balance on my account only to find out later on that that was not true only fans I have received out of the {$6900.00} was a check for {$720.00} that was my last paycheck deposited in another check for {$.00} that was in one of my savings accountsEvery time I call I get a different answer as to whats going on I even spoke to an employee named XXXX and she told me that a check in the amount of {$6100.00} which was the remaining balance on my account only to find out later on that that was not true only funds I have received out of the {$6900.00} was a check for {$720.00} that was my last paycheck deposited in another check for {$.00} that was in one of my savings accounts. I have been battling this for three months I lost my job due to Covid and am on the verge of loosing my home due to my funds being held up.

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 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
NEVER DID BUSINESS WITH THIS COMPANY, CONFLICTING INFO SUCH AS PAYMENTS BEFORE ACCOUNT OPENED?

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 2017-12-22
Company: Coinbase, Inc.
State: NH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
On XX/XX/XXXX, I attempted to log into my Coinbase.com account. Because I had not used it in a long time, I no longer had the two-factor authentication app to complete the login. I utilized their identity verification service on both XX/XX/XXXX and XX/XX/XXXX to attempt to regain access to my account. In both cases, I was notified that verification had completed successfully, but the two-factor authentication prompt was not removed as it was supposed to be.

On XX/XX/XXXX, I contacted Coinbase support via e-mail to resolve this issue. They told me to go through the ID verification process a third time. I did so as soon as the service was working properly ( XX/XX/XXXX ) and never received a response. After waiting a week, I tried again on XX/XX/XXXX. I have still not received a response to either of these verification requests.

I have been prevented from accessing my virtual currency for 15 days at this point, and my only way to contact the company to help is via e-mail. They can take days to respond and the responses appear to be pre-written messages that do not help my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: Square Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I used my cash app card to put a deposit down on a cruise because of Covid 19 The cruise was canceled and the refund was issued to the original form of payment. The account was closed out and the debit card was destroyed that was associated with the account. I contacted the company and asked them to forward the money to me in a form of a check.they told me that they couldn't do that but I could open up another account and they could transfer the money over.then after I opened up the account and asked them to transfer the money over they said they couldn't do it because I didn't have the cash tag that they required. I had all other personal information about the account and every time I send them an email I was told that they couldn't help me and I should refer back to the previous email.they kept transferring my email to other customer service representatives who did not help at all. So now I have a refund in the amount of {$100.00} with this company in a refuse to give it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
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:
My name is XXXX XXXX XXXX and I recently Apply for a business credit for my start up company XXXX XXXX through an online application with XXXX. I did not give XXXX permission to run my personal credit If in fact they did run my personal credit it was done without my consent. My company is a limited liability corporation in which I am 100 % stakeholder in and I do not sign personal guarantees on behalf of the company. This hard inquiry that was place on my Equifax credit report should be removed because I did not authorize them to run my personal credit. 

Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: GLOBAL PAYMENTS DIRECT INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have two checking accounts with my financial institution XXXX XXXX, in which have been establish for over 13 year. One checking account ending in XXXX and XXXX. Both accounts are legit and are linked to each other for transferable financial interaction. The checking account ending in XXXX, was the account rejected by a payee of a bill and the account also serves as a OVERDRAFT ACCOUNT because of substantial amount of funds are that are kept there on a daily basis, and both accounts are liked to a financial institution major credit card with the capability of also covering funds and transfers. I don't understand the rejection of the check written under account XXXX. I would like this issue resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-01
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on LVNV FUNDING LLC. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
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:
reported the ftc violations to FTC and now CFPB please get this corrected accounts : {$420.00} Original creditor : XXXX XXXX XXXX XXXX  XXXX  Opened XX/XX/XXXX + {$50.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX - {$47.00} Original creditor : XXXX XXXX  XXXX  XXXX  XXXX XXXX   XX/XX/XXXX Creditor Name XXXX XXXX XXXX  XXXX Account Type Secured Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$300.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$110.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status Creditor Name ATTORNEY GENERAL-XXXX Account Type XXXX XXXX   Account Status Open Opened Date -- Closed Date -- Limit -- Term -- Monthly Payment {$370.00} Responsibility Individual Account. 
Balance {$25000.00} Highest Balance -- Payment Status 120-149 Days Late XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Auto Account Status Closed Opened Date XX/XX/XXXX XX/XX/XXXXClosed Date -- Limit -- Term 65 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$10000.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$10000.00} Times 30/60/90 Days Late 14/1/1 Remarks Charged off account un XXXX, XXXX Creditor Name XXXX XXXX XXXX Account Type Auto Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 64 Months Monthly Payment -- Responsibility Joint Account Balance {$0.00} Highest Balance -- Payment Status Collection/Charge- XX/XX/XXXX Collection Agency XXXX XXXX  XXXX  Original Creditor XXXX  XXXX  XXXX  XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$420.00} High Balance {$420.00} Remarks Medical XXXX XXXX  XXXX  {$50.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX  XXXX  Original Creditor XXXX   XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$50.00} High Balance {$50.00} Remarks Medical XXXX XXXX XXXX {$47.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX  XXXX  XXXX  XXXX  XXXX PA Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$47.00} High Balance {$47.00} Remarks Medical

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 2023-01-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the XXXX Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I lost my job due to a severe illness preventing me to work. I have a loan with CarHop finance aka Universal Acceptance Corp. And we worked out payment plans and I have emails specifically stating from one person that the payment plans will bring me current and the remaining balance will be pushed back to the end of my loan. I then started to be harassed by another person who says I still owe that balance. She completely ignored the fact that someone else stated I would be current. I went back and forth with her in emails because I do not have a phone to call from at this time. So all of this is documented and she is falsely saying I agreed to make payment plans on the remaining balance when I did not. Before this she said I must pay XXXX dollars so they could push the remaining balance to the end. Although I did not want to, since I was told something different prior, I still did it so they would stop harassing me. They took the XXXX and now won't push it back to the end which of course will later involve a repossession which is wrong because I followed all the instructions given to me since this has happened to me. Please tell me what to do because they are notorious for being criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: EQUIFAX, 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 am providing information that the State Bankruptcy Court does not report to any of the 3 Credit Bureaus. However, XXXX, Equifax and XXXX  all are reporting these State Bankruptcy Court proceedings, on all 3 of my credit reports. I am requesting that these State Bankruptcy Court Reportings be IMMEDIATELY REMOVED, from my XXXX, Equifax and XXXX  Credit Reports.

Company response to consumer: Closed with explanation