BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-07
Company: CITIBANK, N.A.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
AT & T SOLD TO XXXX XXXX XXXX XXXX CASE XXXX, CLIENT XXXX IN THE AMOUNT OF {$340.00} AND SENT TO 9 OTHER AGENCIES ALL COLLECTING A FRAUDULENT ACCOUNT. 

YOU ARE IN VIOLATION OF THE DODD-FRANK ACT S.O.L. EXPIRED

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 2018-11-09
Company: USCB Corporation
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I took a course with the XXXX XXXX XXXX with monthly installment payments. I didn't complete payment of the course and they sent it to a collection Agency called UCSB Corporation. My account number as reflected on my credit report as XXXX. I settled the account in full for a lesser amount and they told me my credit bureau report would show a XXXX balance. However on my XXXX  credit report, it's still showing I owe a balance to the school for {$170.00}. I contacted the school and they informed me I still have a balance of {$170.00} and I would need to contact the collection agency because I made the agreement with them. This is a gross misrepresenation by the collection and I've repeatably requested a receipt and they claimed they emailed, faxed it, but I've never received it. They also stated they would mail me a receipt, but I've never received anything in the mail. The XXXX XXXX XXXX is at XXXX. If UCSB Corporation didn't have the authority to settle the account in full, then I would've never paid them and negotiated directly with the institution

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 2018-11-09
Company: AmeriCollect
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had disputed the debt with Americollect for {$1000.00} they are trying to collect from a hospital. I was insured by Medicaid for % 100 of all hospital services and had given my insurance information  any time I went to hospital or physician. The account was placed for collection XX/XX/2013. Americollect had not sent me notice that it was to report to credit reporting agencies. This account has to be from a billing error. I have not received an Itemized bill from hospital or americollect or who has been billed in regards to services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: MID-ISLAND MORTGAGE CORP.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have recently made a XXXX payment to mid-island mortgage to bring my loan current. There is evidence to make me believe someone at the company is trying to rewrite my loan to get paid commission. I have a property inspection fee on my most recent invoice and have just received paperwork to modify the loan. Repeated calls to the company have resulted in hours on time on their automated phone system. I have no intentions of modifying the loan. Mid island mortgage is illegally trying to modify my loan and committing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
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 status incorrect

Complaint:
The account should not have a balance, it was paid in full as of XX/XX/2018. This need to be updated on my credit report to a XXXX balance.

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 2020-05-24
Company: EQUIFAX, INC.
State: TX
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:
See attached files - unauthorized credit inquires are listed per my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 4 times to the bureaus about these collection accounts that they have categorized as " OTHER LOANS '' These accounts were never loans. I've never taken out a Title IV-D loan so this is a mistake on my report. Also, the accounts were NEVER delinquent so the statute of limitations on these accounts have lapsed and the bureaus will not remove them from my reports. The bureaus are also reporting errors that I proved to be in error and they are still showing and according to FCRA should be removed from my report because the error has not been fixed for over 92 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 explanation
Consumer complaint received 2019-11-18
Company: EOS Holdings, Inc.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have received on several occasions invoices from a collection agency known as EOS CCA. They claim that they are collecting a debt on behalf of US Asset Management Inc for the original creditor known as XXXX XXXX XXXX/XXXX XXXX. T this time I am requesting a full qualified written request of the debt origination, its multiple transfers, and any connection to the U.S. Department of Education if any. Please see an attached qualified written request demanding the authority to collect on the described debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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.

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 2018-11-09
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Equifax is NOT reporting a real estate account from XXXX XXXX XXXX XXXX, # account # XXXX. This account is 25 years old ; opened in XX/XX/1993 ; Highest Credit {$93000.00} ; current balance approximately {$32000.00}.

After speaking with XXXX XXXX XXXX XXXX, they say they report to EQUIFAX every month, but this account is not listed on my credit file. The monthly bill is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: EQUIFAX, INC.
State: NC
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 am a victim of identity theft and I have been trying to solve this issue with the creditors and credit bureaus for awhile now and I have not getting any results or even an answer from anyone. This is my last resort as I am just trying to move on from this nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: CITIBANK, N.A.
State: IN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Conspiracy to commit fraud. XXXX XXXX XXXX and her elder sister XXXX XXXX. XXXX took XXXX into XXXX XXXX XXXX on XXXX XXXX, in XXXX TN. on or around XXXX-XX/XX/2014. Where XXXX XXXX XXXX pretended that her elder sister XXXX XXXX was me XXXX XXXX. Where XXXX and her sister XXXX and XXXX XXXX XXXX family which are XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX where they fraudulently open online banking, bank cards and other bank XXXX ... And fraudulently continue controlling accounts in my name using my # SS. With out permission or authorization from me XXXX XXXX Where the XXXX family continue to control and spend larger amounts of my money up to {>= $1,000,000} XXXX Dollars. Allowing them to open other bank accounts at other Banks. XXXX XXXX XXXX her family lives at XXXX XXXX XXXX, TN XXXX. XXXX XXXX XXXX elder sister XXXX XXXX lives at XXXX XXXX XXXX XXXX, IN XXXX. The XXXX family and XXXX XXXX have all conspired against me to commit fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: Miller, Stark, Klein and Associates
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX card paid off in XXXX was sold years later to 3rd party claiming not paid off. Sent in papers proving this to all parties including credit reporting agencies. The debt was removed in XXXX by all bureaus after a thorough investigation, multiple faxes showing a letter from XXXX stating it was paid in full including attorney letter that we got involved. Now last few months, I and my wife 's phone are getting different 3rd party threatening phone calls with no paperwork mailed to me, no notices  whatsoever, just fake phone numbers that appear to be local, but are actually XXXX numbers. The latest was from MSK and Associates XXXX but the number showed up on my caller id as XXXX from XXXX Tn.We lost paperwork in the Hurricane Harvey, but proof is listed on all credit bureaus and with previous third party companies that I faxed all our papers to. So tired of these harassing companies illegally selling and passing our information from place to place on old, paid off, out of statutes of TN debt collecting laws. Please stop them.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Greetings, The following letter is to notify you of TransUnion questionable handling of personal information and unexplained charges. 

On XX/XX/18 I requested an annual free credit report from TransUnion. Then on XX/XX/18 I noticed a charge of {$19.00}. 

I called the company 's customer service XXXX ( XXXX ) XXXX and right away they asked for my social security number. I informed them I do not give out my full social over the phone. They looked me up with my last 4 digits, name, and street address. I tried asking why I had that charge on my account and wanted to make sure I was not signed up for any monthly charges, The phone operator did not answer my question and kept on insisting I call another number, XXXX, stating that it is the Transunion Credit Online Monitor. 

I called XXXX number and dealt with a very similar process. I asked if there was a transunion ID number I could provide, but they seemed to really want my SS number. The operator again insisted that I should call XXXX, yet that is the number I called. 

Upon further research it appears that other customers have dealt with unexplained charges as well when trying to receive a free credit report. On TransUnion website I cancelled my plan that I was not informed of having on XX/XX/18. 

It strikes me as odd that the operators did not inform me how to cancel a possible plan, always redirect me to a number even when that is the number I called, wanted my SS number immediately, and charged for a free annual credit 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 monetary relief
Consumer complaint received 2018-11-09
Company: ATLANTIC UNION BANKSHARES CORPORATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX is NOT reporting a real estate account from Union Bank & Trust, # account # XXXX. This account is 25 years old ; opened inXX/XX/1993 ; Highest Credit {$93000.00} ; current balance approximately {$32000.00}. 

After speaking with Union Bank & Trust, they say they report to XX/XX/XXXXevery month, but this account is not listed on my credit file. The monthly bill is attached.

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 2018-11-09
Company: WELLS FARGO & COMPANY
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/18, I inquired about an additional {$700.00} balance on my loan and was told it was from accruing interest from deferring 3 payments over the life of the loan. I understood the deferments would extend the loan by 3 months, but now there is additional interest ; 2 additional loan payments worth. This was never explained nor agreed to by myself. The representative would not clearly answer my question regarding the amount. I spoke to a financial adviser who listened in to the phone call and informed me, by Wells Fargo 's daily interest amount, the additional interest should only be {$76.00}. The representative continually avoided my question and request for clarification. I feel this is unjust practices and that they are trying to gain addition financial income from my 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
Consumer complaint received 2018-11-09
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I contacted Coinbase on XX/XX/2018about my account being hacked and all my virtual currency transferred out. This was by phone. I was told they couldn't do anything as virtual currency isn't covered by their insurance. I also had money withdrawn from my linked checking accounts. The agent who helped me told me to send an email with more details and they would get a specialist to investigate. 

On XX/XX/XXXX coinbase finally responded back asking if this was resolved which it wasn't. 

On XX/XX/XXXX coinbase sent an email saying my account was closed. I ask about my transaction records etc for Taxes as I don't want to be liable for the transactions. 

On XX/XX/XXXX I get a response back saying a specialist would investigate. 

On XX/XX/XXXX I get a specialist response asking more details on what happened but no records. 

On XX/XX/XXXX I get an email saying suspicious activity was detected on my account and withdrawals would be 14 days. I still can't access my account. 

My PC was compromised by malware. I also use the XXXX exchange and they have better security measures in place. Both had 2 factor running. I unfortunately had the keys saved in my dropbox. After the initial login from my compromised PC coinbase still allowed IPs from different locations ( even out of the country ) to access my account where XXXX did not. XXXX also flagged the transactions as they weren't typical for my actions and coinbase did not. Point being the hackers tried XXXX but didn't succeed where as coinbase didn't even seem to flag anything. 

I've had my account with coinbase for years and nothing like this has ever happened. I put my trust in coinbase to help protect my virtual currency and they should at least be possibly responsible for lack of security. They convince their consumers that they are as secure as a bank which is false. I had to actually go to my bank to reverse the checking transactions to coinbase as they didn't do anything on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: EQUIFAX, INC.
State: OH
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 a student loan account that was included in my bankruptcy in XX/XX/2016.XXXX XXXX correctly removed reported the account closed and removed the balance from my credit report.Equifax did a so called investigation and improperly listed the amount as owed.They didn't correct or remove the information and dropped my score by 15 points for filing a dispute..their Equifay confirmation number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I made a payment in full for my outstanding balance due XX/XX/2018 on XX/XX/2018. I made a payment in full for my outstanding balance due to XX/XX/2018 on XX/XX/2018. Each time my balance came to {$0.00} after submitting my payments. Each time my payments were processed well before the due date. 

This morning, XX/XX/2018, I checked my account to discover a balance of {$20.00}, {$10.00} of which marked past due. 
I immediately contacted Navient customer support, who could not identify what happened short of my overpayments were not processed toward the outstanding balance. I made overpayments *in addition to* paying my full monthly balance on time every month. The agent told me she would reallocate funds from a previous overpayment to abolish the overdue charge, but she did not specify from which overpayment she would shuffle the money. I made it clear not to take it from the loan I paid off in full on XX/XX/2018, so now I am waiting to see if that decision was honored. 
The agent guessed this happened as a result of my IDR plan, for which I had been required to reapply for my XXXX payment and which was processed on XX/XX/2018. There was no answer as to why an overdue charge was posted to my account for my XXXX bill ( as well as an additional {$10.00} for my XXXX bill ) the  morning after I had payed my balance in full through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: EQUIFAX, INC.
State: NC
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:
Date : XX/XX/18 Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX Act. # XXXX To Whom it May Concern, This letter is in response to your recent claim regarding XXXX Act. # XXXX which you claim is closed with a balance owed of {$1500.00}. This account was paid in full. 

By not replying in a timely manner to my initial letter, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws, I further remind you that you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in small claims action against your company. 

I would be seeking damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )  You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, NC XXXX Social Security number : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC. XXXX XXXX XXXX

Company response to consumer: Closed with explanation