BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-06
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
A seller sent me fake XXXX sending receipt with the tracking number hidden saying that he will send me that once I transfer the money. I paid half the money via paypal and other half using Venmo. Once I sent the money he stopped replying to my messages and calls. The companies said they can not help since I did not choose seller protection. Now I lost my money and did not even get the product.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: All State Credit Bureau, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Hi, I don't recognize this company. I don't recall ever entering into a contract with this company. Judging by the name, it appears to be some debt from me being XXXX  against my on free will.if this is the case, I have been incarcerated since XXXX of XXXX, so if there was any notification of debt owed, I never received it. I was released on XXXX, XXXX, XXXX. So, I disputed this debt, and I said that my address had changed, and they still would not remove this debt off of my credit report. I never had a chance to disagree or dispute the amount that is alleged that I owe. I was XXXX  for 4 years and 9 months, so if I owed any debt for being XXXX, my time XXXX  should cover it. But, I know I never entered into any contract saying that I would repay someone for being incarcerated against my free will. So, please have them to remove this debt, I was never notified of it ... thank you, very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: Convergent Resources, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I found a collection account that has been placed on my credit from XXXX XXXX. I requested validation of the debt because I have not received any paperwork from this company. The docs the provide show me nothing, no contract showing that I signed for this services, my name is spelled wrong on the account and it only shows one month of services. I have never had XXXX XXXX XXXX as a provider, and the paperwork they provided does nothing to show that I signed for it.

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 2021-12-01
Company: Lending Club Corp
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 am sending this request myself to address the inaccuracies on my Credit Reports. Per my rights under the FCRA, please provide the contact information for the third-party vendor that supplied you with this errant information, since my court does not have a subscription to your credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: Pinnacle Credit Services, LLC
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:
XXXX XXXX XXXX STILL HAS {$49.00} THAT I PAID TO CLOSE MY ACCOUNT WITH THE CREDIT UNION XXXX XXXX XXXX XXXX XXXX HAS {$460.00} THAT I CLOSED 10 YEARS AGO IS STILL ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
In XXXX of 2022 I attempted to pay my XXXX XXXX ( XXXX XXXX ) over the phone with the automated system and the payment didnt post. I called and spoke with someone they were able to verify that I called but not sure why payment didnt post. They removed the Late fee but the 30 day late is still appearing on my report. I have been a long time customer and pride myself on making my payments on time. I have a daughter on her way to college and this late payment has dropped my credit score. I need this updated as current so I can apply for the parent plus loan so she can further her education and I dont want this mishap to cause hardship to my family. 

XXXX account # XXXX Trans union XXXX XXXX XXXX # XXXX but on my report the number isnt provid e

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 2022-04-06
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a checking account with Citibank on XX/XX/22. I used to account for shopping and to pay bills and rent, never overdrawing, bouncing a check or having a check returned. I went to use my card on XX/XX/22 and the transaction was declined. Without warning or any kind of reason, Citibank closed my account and is now holding my remaining balance of {$1500.00}. Im unable to pay bills or rent and their customer service has no answers and Ive been hung up on more times than I can count. I want my funds returned ASAP

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 2017-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I am attaching a copy of the letter I mailed to XXXX, XXXX, and Trans Union on XXXX XXXX, requesting a credit investigations. To date, they have yet to respond. They are supposed to respond inside of 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 explanation
Consumer complaint received 2022-04-06
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: Information belongs to someone else

Complaint:
I'm filing a complaint on Trans Union LLC. I sent Trans Union LLC a 609 letter disputing information on my credit report and asking them to show me proof of the information on my credit report is accurate. The letter was sent back in XXXX dated XX/XX/2022. Under the federal law they have 30 days to complete an investigation and 15 days to let me know what information they have found during their investigation. It has been over 45 days and I have not receive a response from Trans Union LLC. I've sent them a 30 day to comply letter and I have not receive a response from that either.

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 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have disputed the following items with TransUnion to be removed and deleted from my credit report on XX/XX/XXXX and these unlawful incorrect items are still being reflected on my credit report : company : XXXX XXXX opened date : XXXX XXXX amount : {$980.00} company : XXXX XXXX opened date : XX/XX/XXXX amount : {$1800.00} company XXXX XXXX XXXX XXXX  opened date : XX/XX/XXXX amount : {$1900.00} company : XXXX XXXX XXXX XXXXpened date : XX/XX/XXXX amount : {$470.00} company : XXXX XXXX XXXX closed date : XX/XX/XXXX amount : {$4100.00} company : XXXX XXXX closed date : XX/XX/XXXX amount : {$0.00} company : XXXX opened XXXX : Decemeber XXXX, XXXX amount : {$0.00} company : XXXX XXXX XXXX XXXX closed date : XX/XX/XXXX amount : {$100000.00}

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 non-monetary relief
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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 XXXX and 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 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 2017-12-26
Company: Coinbase, Inc.
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I had XXXX us dollars in a usd wallet held on coinbase. My account is 100 % verified and I have used it multiple times. Bitcoin had started to increase in price so I wanted to buy some, after reading every detail on the website Nd reading faq to make sure no delay would happen, I decided to buy in at XXXX per bitcoin. 

The website states if using credit debit or usd balance it would be instant. 
After the purchase on XX/XX/XXXX the transaction stood pending and to be deposited by end of day XX/XX/XXXX. ( Stated on website ). 
I was not upset it was n't instant at the time, but now XX/XX/XXXX and my money is still gone and no bitcoin.. Basically I have had XXXX dollars stolen from me for false promises and I have emailed over 10 times including reaching out on XXXX and have had no responses, except 2 weeks ago stating they are looking into it. 

I just want my money back, but due to multiple people having this issue, how can there website state the purchase will be instant if it can take up to a month with nothing not even in faq stating this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: Credit Karma, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Credit Karma should stop advertising to consumers and encouraging them to dispute their credit reports without consumers first obtaining an official report from the bureaus and reviewing themselves. They should stop advertising the reports they provide for free to consumers as their real credit reports, when this is not the case. This is XXXX and unfair to other businesses, causing more work for other companies to review frivolous disputes when the reporting was accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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'm writing this complaint on XXXX, Transunion, XXXX and XXXX XXXX, I have spoke the Bankruptcy courts and they have stated that they do not provide information to any of the credit reporting agencies meaning there shouldn't be anything on my credit reports, they have also stated the these uninterested 3rd parties such as XXXX  Transunion XXXX  and XXXX XXXX  access the courts data base through a public access portal called XXXX  to REVIEW information they did not say to REPORT information, since the courts are not responsible for the misuse of any information gathered as the consumer of the United States Corporation in going to take matter into my own hands. This is where the violations come into play. These uninterested 3rd parties I have mentioned are in violation of 15 USC 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the CONSUMERS RIGHT TO PRIVACY. Nobody asked these reporting agencies to report anything they went out of their way to harm my reputation. 
They are also in violation of 15 USC 1681a ( d ) ( 2 ) ( B ) the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 
Every account that was included in the bankruptcy was an authorization of an approval of an extension of credit indirectly from my credit card. 
There is no need to validate this, I know im the original creditor I can only validate.

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 2017-12-26
Company: NAVY FEDERAL CREDIT UNION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
In XX/XX/XXXX, fraudulent charges were made to my account, which were disputed. Navy Federal Credit Union has made me responsible for these charges despite my efforts filing a police report and fighting the charges with the creditor. Navy Federal opened a new checking and savings account afterwards to which I have been using for over almost 2 years. I deposited a payroll check on XX/XX/XXXX, which was a temporary check from my employer until he received more business checks. The check was marked as fraudulent but I discovered that it cleared after receiving a statement in XX/XX/XXXX. After many calls to NFCU, I was not allowed to speak to security, my account access has been barred, my account was placed into deposit only status, and I now am responsible for paying off the former account before I can access any accounts. Nevermind the fact that I have to transfer funds to my XXXX child in XXXX  across the country, ca n't use my account for normal reasons, paying bills, getting gas, ect., having disconnect notices for utilities on the table and the only branch is a 2 hour round trip for me. NFCU has made my life a total living XXXX WRONGFULLY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: Diversified Company
State: RI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Diversified has called my personal phone, sent letter to my home and now they sent emails to my address with personal info with out my consent nor even knowing if that email was indeed mine- saying they purchased this debt in which i never applied for a pay day loan w/ XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Received an alert for a drop in credit score of XXXX points, in addition to a new " collection '' from XXXX XXXX XXXXMitchell D. Bluhm & Associates in the amount of {$460.00}, from Emergency Physicians of Central Florida XXXX I have NEVER done business with this company, never received ANY documentation from either company. Pursuant to 15 U.S. Code 1681c-2, this is identity theft and MUST be removed and blocked from my consumer report within 4 days. I have filed an FTC report, as required by the CRA 's. 
Correction removed, indefinitely and not to be resold or transferred or added back to my consumer reports.to ALL credit reporting agencies that company is reporting to Letter on letterhead that states the items have been Relief, monetary compensation for damages this is the ONLY collections/negative account that I have reporting. I have been denied credit due to this ERRONEOUS and Fraudulently reported information. 

Filed complaint with XXXX  : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-26
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Affidavit of Denial XXXX XXXX XXXX XXXX OF PENNSYLVANIA COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the XXXX of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal XXXX and have personal knowledge of the facts set forth below. 

3. THIS IS NOT A DEBT VALIDATION LETTER Date : XXXX/XXXX/XXXX I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with XXXX XXXX that authorizes you to collect on this alleged debt The original non-electronic agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete non-electronic scan payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ). If your office fails to reply to this denial letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Thank You, cc : Pennsylvania Attorney General Office cc : Better Business Bureau cc : Consumer Financial Protection Bureau cc : Office of United States XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Strategic Automotive Servicing, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This Account Below should be closed but is reporting open on my XXXX XXXX and XXXX credit reports. The XXXX was bought back from actual dealer ship and sold. This loan is reporting open when it should be closed. 

Account STRATEGIC AUTOMOTIVE SER XXXX {$8400.00} {$400.00} Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2021 Responsibility Individual Account Account Type Installment Account Loan Type AUTOMOBILE Date Updated XX/XX/2021 Payment Received {$400.00} Last Payment Made XX/XX/2021 High Balance {$9600.00} Pay Status Current ; Paid or Paying as Agreed Terms {$400.00} per month, paid Monthly for 24 months

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: T.S. Holdings
State: TX
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 a call regarding an old lease that I was unable to keep up with the payments due to health issues and my car taking sufficient damage I tried everything I could to catch up with the payments to property and even went as far trying to work out a larger payment plan along with the rent but they just kicked me out. 
Going in a year down the line I received a call from IQ international debt collections who reached out to me regarding the costs to property and the sum they were requiring me to pay and the conversation didnt start off too bad leading into the conversation it did get a little intense some curse words were being said I apologized multiple times on my end because that agent did not deserve to listen to my complaints she was just doing her job but past that I hung up because I wasnt in listening frame of mind I just needed answers that she was not willing to provide, so I call the next day again apologizing for my actions/verbiage on the last call and this agent ( male ) was very aggressive and kind of threatening he refused to help me was very rude the entire time demanding information even made the threat to withdraw funds from my check and went as far as to say they would take me to court so after a brief exchange of words back and forth the call was ended by the agent, and me thinking it got disconnected I called back at the extension he gave and that call did not go well at all he started screaming when he answered would not reason with me kept demanding I give him information I did not need to provide and continued to threaten legal action towards me and when I kept asking questions for more clarity just trying to show that I willing to be compliant he hung up on me again.

Company response to consumer: Closed with explanation