BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
i I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2018-02-15
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I had initially made two purchases with Coinbase on XX/XX/XXXX ( {$650.00} ) and XX/XX/XXXX ( {$150.00} ), were charged almost immedietly, and had money in my service with them following. Today, XX/XX/XXXX, I was charged these two amounts again as well as international fees of {$1.00} and {$5.00}. These unexpected charges caused my bank to overdraft my account causing me to lose money in overdraft fees. When attempting to contact Coinbase there was no clear way to talk to someone about the issue, I spent more time looking for someone to give me any answers than I did finding actual answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-06-07
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello, On XX/XX/2023, I received an email stating my PayPal account is permanently limited. PayPal is deciding to hold the money ( XXXX USD ) in the PayPal balance. I called the company and indicated that the cards used for purchases are prepaid visa gift cards. I also indicated that I am okay with the account being closed just please allow me to transfer the money to my bank account. They declined. I called back on several different occasions none of which I received any insight as to why the account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello! My name is XXXX XXXX on XX/XX/2023 I pulled my credit report so I can see what was on it. Im looking into fixing my credit and noticed an unknown collection on my credit report I dont recall having this account. I then sent PORTFOLIO RECOVERY SERVICE and XXXX XXXX XXXX a debt validation letters via certified mail on XX/XX/2023 with a return receipt. I received nothing what I asked for I only a received an itemized billing statement with an addressed thats not associated to me. I ask for proof I agree to this debt with my signature, proof of the amount they claiming I owe is correct and legal, which require all statements and payments history from original creditor. Proof the amount is within the statute of limitation and has not expired. Proof you are the owner of this account, which will require the contract and terms between them and the original creditor. Proof that they are legally licensed, bonded and insured if applicable to collect this debt in my state. For verification purposes, I will need their business license number. They failed to send my requested documents only thing they sent was a itemized billing statement. I then contacted via phone and ask why wasnt the documents I requested for validation wasnt sent. They said they only have what they mail me is a billing statement they brought from the original creditor and they dont have anything with proof with my signature on it. I feel like they have violated my consumer rights and failed to follow FCRA guidelines and also ignored my request to not contact me and cease and desist all future attempts contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Ive reached out about this debt, was not provided with information to dispute, and or settle by the original debt collector. This debt has passed multiple times and showed on my credit report from multiple debt collectors. But no information was given to me directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern, My mortgage servicer. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX the investor is Deutsche Bank. 
On XX/XX/XXXX my mortgage was modified. I really wasn't paying attention to the amortization until XX/XX/XXXX. After I did some calculation I realized that the terms of the note where changed without disclosure. You should also know that I had to discharge a BK in XX/XX/XXXX and my attorney unfortunately forget to reaffirm the mortgage so I am worried if I keep pushing for answers the investor will or may call in the note. I have never missed any payment since the modification went into effect and my credit is excellent now so I can refinance it with no issues. My background is mortgage origination and I have my NMLS number so I understand mortgages. 

I have been concerned about why my principal balance not agreeing with the amortization schedule. After doing several calculations I finally figured it out what happened. 
The payments were calculated with the following terms. Year 1-5 of the modification was at 40 years. Year 2 was at 35 years and the now its at 34 years. When I reviewed the modification contracts and note there is no disclosure ( s ) that the terms were changed. Also the maturity date didn't chance so how can the maturity date stay the same but the terms changed. 

Basically even-though I have a modification agreement disclosing the new payments I don't have have any disclosures that the terms changed. I hope it make sense how I am trying explain it. If you need anything else please let me know. 


Thank you in advance and I look forward to hearing back from you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Convergent Resources, 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 email this company and also sent copies of Police report showing identity theft. Still consumer credit has been affect in a very negative manner resulting in injuries to perse. Now I need compensation for the violation of various codes.

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 2018-10-16
Company: ACIMA CREDIT, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
About 5 or 6 months ago, I purchased a mattress for {$400.00} from this place ( can't recall the name ) where I applied for credit to cover the extended payment process. They delivered the mattress before the approval came back ( on a Sat evening ) and on Mon morning, 2 days later, I received an email from Acima credit saying I was denied based on several factors. I contacted the guy I got the mattress from asking what was the next step and he told me to see how it plays out. So about 3 weeks later, these deductions started coming out of my account, which was no big deal, I just figured it would take the {$400.00} and we'd be done. But about a month ago now, a payment disappeared where they are trying to charge me all these ridiculous late fees around {$40.00} for a payment that was made. So I contacted them to find out if it could be resolved and asked how much I owed so I could get the thing paid off and be done, they informed me that I owe over $ 800+. I asked how I owed so much and they told me that I owe them for the original balance plus the 1 year lease and financing, to which I asked, how do I owe you for a financing plan that you denied me for? They are trying to tell me that they NEVER ever sent me a denial letter. I feel like there's something fishy going on and needing help figuring out what I am dealing with. I don't deny owing {$400.00} minus 6 months of {$18.00} per week, but how am I being charged for something I was denied for?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: Sequium Asset Solutions, LLC
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:
This is my THIRD compliant with this company!!!! The agent whom is responding does not answer her phone and her voice mail is full. Her response of " Sequium Asset Solutions , LLC is a collection agency representing XXXX in association with a collection claim on a defaulted account XXXX XXXX is listed as the responsible party and all communication from our offices has been regards to account XXXX. Per your complaint, the account has been closed as cease and desist. You will receive no further communication from our office regarding the account. On behalf of Sequium Asset Solutions , LLC I want to apologize for any inconvenience that this may have caused you. '' DOES NOT FIX THE PROBLEM! They are refusing to REMOVE the account from my credit although they have admitted it is not valid, agreed to close it and agreed to cease collection. The problem is the account is appearing on my credit and is hindering me from obtaining a mortgage. REMOVE the account from all three credit bureaus urgently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: EQUIFAX, INC.
State: MO
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:
My identity has been compromised. I was just made aware today when I received a letter in the mail confirming my address change that I did not make. I live in Illinois where Ive lived for over 20 years. I have never lived in XXXX GA nor do I know anyone at that XXXX address. XXXX XXXX ( XXXX XXXX XXXX XXXX ) will not help me correct this issue. Someone not only updated the address but changed my phone number which has been XXXX for 15 yrs. they also change my email address and requested a new card. I'm not sure what is going on but I am in no way responsible for this account. Ive reached out multiple to times trying to get XXXX XXXX to understand that my identity is being used fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I disputed a charge on my account and I have not received my money back. They say it will take until XX/XX/XXXX. That is Absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: Experian Information Solutions Inc.
State: MA
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:
experian refuses to look at documention did not own the car as of XXXX have sent all documents all they have done is make it worse car was returned XXXX i am not the owner -- how am i responsible for taxes on a car i did not have -- i leased a new car on XXXX and paid the excise tax on that car for XXXX  cant people at experian see that on the documents -- and fix my credit asap -- please look at documents someone do there job LOOK AT DOCS -- dealer return vehcile receipt -- new lease agreement -- bill of sale -- I DID NOY HAVE THE CAR IN XXXX  -- READ DOCS i have had almost perfect credit for ever now it is all messed up and experian is at fault documents PROVE 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 2021-03-26
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: Account status incorrect

Complaint:
I have religiously paid my Child Support account each month since 2019 and have never been late. I have even made multiple payments in advance so that I don't ever miss a payment. I believe it is because of these over-payments that I have made that have caused it to appear that I was late twice when I was really paid up several months in advance. I have contacted Child Support directly and they have confirmed that I have never been late on my account ( I am currently paid in advance by more than 12 months ). However two late payments still appear on my credit report. Prior to these 2 issues, I had over 800 credit scores. It is not fair to have something as inaccurate like this to affect me for the next 7 years. I have disputed these late payments directly with the credit bureaus but they are still reporting this inaccurate information.

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 2021-09-02
Company: Finance System of Richmond, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Finance systems is reporting several different accounts to my credit report. I have now sent 2 letters to this company requesting them to verify the debt and they refuse to respond. It is my right to request this information and they have now denied me of this 2 times. I even called to verify their address and they are very rude. I mailed my first request in XXXX and after no response I mailed another request on XX/XX/XXXX and I mailed it certified so I know it was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: JPMORGAN CHASE & CO.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hey Chase, my money has been held in chase for about 3-4 months now I had a check and didnt have a ID at the time and signed it over to my mom which she mobile deposited into her chase account she opened, they said they couldnt verify my phone number in my name and said I cant go up the the bank with my social and my id and the original check with my mom the person who deposited my chdck. I got a new phone for XXXX $ and still said they couldnt verifty my number and at this point its like my funds are being held for no reason they called and verified with the bank a cashiers check and keep saying my number isnt registered to my name when it is. 
XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( my check )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: EQUIFAX, INC.
State: SC
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The company sent email on XX/XX/XXXX  which indicated the authority to do business in the state was " pending. '' I submitted a dispute on XX/XX/2023 requesting authorization to collect debt and license information. The company stated that the credit bureau stated they could collect the debt. In retaliation for disputing the information with the credit bureau, the company replaced their name as the original creditor on the debt and charged the debt account in addition to the original creditor. 

The company did not communicate any information in writing regarding the right to collect the debt, the right to dispute the debt. The customer service agent stated that my credit score would go up if I agree to " just pay the debt. '' My credit score did not improve. The company is now reporting as the " original creditor '' on my credit report for XXXX XXXX XXXX XXXX XXXX XXXX and charged off the account again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Genesis credit management is based out of Washington so they shouldnt be even trying to conduct business where they are not registered to do so. Second they are a third party company that has bought my debt without my consent through XXXX XXXX at XXXX XXXX which is identity theft. Last but not lease the 3 credit bureaus have also put inaccurate information on my credit report in columns : account #, date opened, last reported, and date last active. How I kno they are incorrect is because everything is suppose to be the same across the column for all 3 credit reports, in which they are not. Also as a consumer I know that each violation on the credit report results in reimbursement of XXXX $ in which I will be demanding as well as it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX .... Balance : {$260.00} ; XXXX XXXX XXXX XXXX .... Balance : {$30000.00}

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 2020-10-11
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
These are the new interest charges that I have been charged within the last few months starting XX/XX/2020 {$160.00} in interest, XX/XX/2020 {$160.00} in interest, and XX/XX/2020 {$150.00} in interest with American Express. When I recieved this card last year they made it seem as if I would not be charged interest on purchases for a certain amount of months for the balance on the card, not that they would BEGIN charging interest on the balance at a certain date. This is pretty confusing I believeand was not made clear, probably as to entice people accumulate a high balance which could then be charged interest later on. 

So because I have recently been charged this high amounts of interest I called American Express and asked if they could close my account and give me a bill for my balance that I could pay. I was told that this would not be possible, that I would have to let my account default and ruin my credit or I would have to enroll in some sort of program " with the illusion of relief. '' I have been paying my balance down in good faith but with these very high interest charges, my balance basically stays the same though I pay the card down and I continue to be charged the same amout of interest every month making my balance remain stagnant. 

I would simply wish to close this account, and receive a bill that I can make reasonable payments on without a negative effect on credit reporting as I am willing to pay back the balance, and I have been doing so in good faith.

Company response to consumer: Closed with explanation