BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-12
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I called XXXX to have WiFi internet installed into my New York address. I was clear with the sales agent that I did not want to pay for the installation nor equipment, and the sales agent told me they could do that. 

I was not overly thrilled with the service and received XXXX bill from XXXX the following month, which was not paid immediately, so the service was disconnected sometime between XX/XX/XXXX to XXXX, XXXX. I left this address on XX/XX/XXXX aware that I owed XXXX month of service but nothing more. I didnt think they would charge me anything further as the service was deactivated, no longer in use. 

Once I had relocated to my new home in California, I received a call from a debt collector about this bill in XX/XX/XXXX. I didnt understand the charges but I knew the amount for {$300.00} for XXXX days service was incorrect. When I called XXXX they told me they had sent my account to a third party debt collector and it was out of their hands, that they couldnt do anything. I asked to dispute the charges and they said they would contact me back, I never received any call-back or email, nor voicemail. 

Now that Im trying to upgrade my bank account they tell me somethings popping up with my SSN and so I called XXXX in XX/XX/XXXX and was told the charges were for the equipment that I never returned, but I was never informed upfront about any equipment charges nor that I had to return them. I told them again I wanted to dispute the charges and was told somebody would get back to me, but again I never received a call, email or voicemail ( a voicemail I could respond to ). 

I called XXXX today to discuss the disputed charges and was told I should have known to cancel my account after they had already deactivated it, and that I should know to return the equipment and that I should know I will get charged for them. Not when I was told on XX/XX/XXXX that the equipment was no charge upfront and that I would not be charged. XXXX can not provide me with the exact dates my service was active, and say they did not cancel my account until XX/XX/XXXX, which is XXXX months after they deactivated my service. 

I told XXXX that I believe I am liable to pay for the XXXX days the Internet was active, but not for the other charges that I did not agree to nor were unaware of, nor that they would charge me these extra charges at a later date. XXXX tell me they only added the charges onto my account in once they cancelled it! And then failed to inform me of this information, I found out through their third party debt collector, IC Systems. Obviously, Im not going to pay the debt collector, nor any XXXX bill, until Ive resolved these charges that I never agreed to.

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 2020-10-12
Company: BARCLAYS BANK DELAWARE
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: Credit inquiries on your report that you don't recognize

Complaint:
Your company is currently reporting to the XXXX credit bureaus that I applied with your organization. I did not XXXX you authorization to review my 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 explanation
Consumer complaint received 2019-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I filed a complaint Case # XXXX and the claim was closed before i received my credit report. XXXX is still reporting incorrectly to Trans Union and possibly XXXX. 


At the end of XX/XX/XXXX I contacted XXXX XXXX  via phone and in the process the customer service rep asked me to verify personal information. I was asked to verify my birthdate and when I replied XX/XX/XXXX the rep refused to continue the call because I did not answer correctly. I called back and spoke with a different rep and was informed that there were multiple ways to verify a customer account and the birthdate didnt need to be verified to continue discussing the account. At that point I was concerned I had this account since XXXX Shortly after XX/XX/XXXX I received a letter notifying me that the Mortgage Origination Date was corrected on XXXX for tax year XXXX and I would receive a copy via mail. I immediately called XXXX and spoke with XXXX XXXX and she informed me that my case XXXX was being handled by XXXX XXXX and gave me his direct contact number XXXX XXXX XXXX which did not work. While on the phone with XXXX I checked my credit report for all 3 credit bureaus and discovered that TransUnion did not have XXXX XXXX  reported at all only XXXX XXXX. I refinanced and had a first loan with XXXX XXXX and a second line of equity with XXXX XXXX  in XXXX. I refinanced the first loan with XXXX XXXX  in XXXX and the loan was paid off but I still had the second loan with XXXX XXXX. TransUnion had no record of XXXX XXXX  which explained why my credit score was 30 points lower than XXXX and XXXX. I immediately initiated a dispute with TransUnion and they responded swiftly XXXX XXXX XXXX stating there is nothing they could do because the account never appeared on the report. I then submitted another complaint disputing XXXX XXXX  instead of XXXX XXXX after speaking with a manager at TransUnion to get XXXX to respond so they could discover the error with my XXXX XXXX. TransUnion responded XXXX XXXX XXXX to the second dispute and I still had not heard from XXXX 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 explanation
Consumer complaint received 2018-06-09
Company: Coinbase, Inc.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I had previously transferred about XXXX dollars of ethereum to my coinbase account and logged in today to find that they have transferred half of it to themselves as it now says " sent to coinbase ''. I had no say in the matter and simply want my money back. Nothing more.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
I have contacted Bank of America Creditor Representative and asked about any credit applications I have applied for. She responded and said she could not find my information in her system. Stating I never applied for a credit card with Bank of America. She then tranfered me to Bank of America Checking account Representative and he also explained there is no evidence of me applying for a credit application with them. And I only had a checking and savings account with them. Therefore the two inquiries XX/XX/XXXX and XX/XX/XXXX should have never been on my credit report. XXXX the Checking Account Representative for Bank of America is sending me a letter to verify I never did a credit application with them. And I would like for those two inquiries on my credit report to be deleted. Please and thank you.

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 2018-06-09
Company: FIRST ADVANTAGE CORPORATION
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I received a job offer from XXXX XXXX, who then ran a background check on me through First Advantage. 

I graduated with a XXXX XXXX XXXX  on XX/XX/2018, but my background check came up as " DID NOT GRADUATE ''. Obviously this is a serious problem and I don't want my employment offer to be retracted based off this incorrect information. 

The contact method they used shows up as ( XXXX ) XXXX, which when googled, comes up as " XXXX XXXX XXXX '', a third party student data website. The background check should have conducted the search through my school ( University of XXXX  ), not a third party website that clearly has outdated information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Public record information inaccurate

Complaint:
MY BANKRUPTCY HAS BEEN 3YRS DISCHARGE, ALL CREDIT CARDS CLAIMED ON THAT BANKRUPTCY IS STILL SHOWING 14 LATE PAYMENTS, STILL STATING POTENTIONALLY AT RISK, MEANING ME THE FUTURE CLIENT, BELOW ALL THAT RED DEROGATORY COMMENTS, I HAVE NEVER BEEN LATE AFTER THE BANKRUPTCY AND NEVER BEFORE THE BANKRUPTCY. I HAVE BEEN ASKING, FILING COMPLAINTS TO THE THREE MAJOR CREDIT BUREAUS, XXXX XXXXXXXX XXXX  ABOUT THE BANKRUPTCY ACCOUNTS THAT NEVER SHOW BE SHOWING 14 LATE PAYMENTS, THAT IS WHY I HAVE SO MANY INQUIRES WONDERING WHY I KEEP GETTING DENIED, UNTIL I SPOKE TO A XXXX  MANAGER SHE TOLD ME I WAS DENIED BY XXXX  BY HER, DUE TO THE CREDIT BUREAUS STATING, DEROGATORY LATE PAYMENTS, AND BANKRUPTCY, SHE TOLD BE GO BACK TO THE BANKRUPTCY LAWYER HAVE THEM UPDATE YOUR CREDIT PROFILE, SHE ALSO TOLD ME YOU CAN ONLY HAVE ONE OR THE OTHER WHEN CLAIMING BANKRUPTCY YOUR EITHER DELINQUENT OR YOU HAVE BANKRUPTCY. BANKRUPTCY IS SUPPOSE TO ALLOW YOU TO HAVE A FRESH START AS THE TIME AGES FOR DISCHARGING ALL. YOUR CREDIT BUREAU REPORTS SHOULD NOT HAVE YOU STATING LATE NOR POTIENTALLY A RISK. **WHAT ELSE AM I GOING TO DEAL WITH, THIS HAS LEFT ME TO FILE A COMPLAINT ON ALL THOSE WHO STILL HAVE MY CREDIT 14LATE PAYMENTS, ALL MY REQUESTS WITH THE 3 MAJOR CREDIT BUREAUS, ALL THE INQUIRES AND COMPANIES DENYING ME CREDIT GOOD COMPANIES, INSTEAD, I GOT CREDIT SURE, BUT I PAY A HUGE PRICE OF THE BANKRUPTCY AND THE STILL DEROGATORY LATE 14 PAYMENTS THAT STILL SHOW ON XXXX  , XXXX  , XXXX  , AND THE BANKS THAT DEAL WITH FIRST TIME HOME BUYING PROGRAM I AM IN THE PROGRAM. I AM XXXX  YRS, STILL NEVER HAD MY FIRST HOME, AND HAVE PAID DEARLY FOR ALL MY DEBTS, 100X 'S OVER!!, NOW I AM REQUESTING AND WANT ALL THOSE DEROGATORY 14 LATE PAYMENTS REMOVED, AND THE CURRENT ONE THAT XXXX  STILLS SHOWS THE XXXX  FROM XXXX, I HAVE NOT BEEN LATE THE SUPERVISOR XXXX CORRECTED A HUGE ERROR HIS CUSTOMER SERVICE DID WITH THE DATES OF PAYMENTS AND NEVER CHANGED IT TO THE CORRECT STARTING DATE FOR THE COVID HARSHIP PROGRAM AND HE REFUNDED MY XXXX THRU HIS SIDE OF THE ACCOUNT MANAGEMENT TEAM. WHY IS IT THAT IT STILL SHOWS I AM 30-60 DAYS LATE AND THE XXXX ** NOT ONE COMPANY! NOT ONE CREDIT BUREAUS WHO SUPPOSED TO BE THE MAJOR 3 CREDIT BUREAUS, WELL THEY NEED TO REDO THEIR WAY OF CORRECTING AN UPDATING MY CREDIT HISTORY** THEY ARE NOT ON THE SAME PAGE!! I KEEP STATING THAT!!., THEY DO NOT MATCH INFORMATION WITH ANY SEARCH ENGINE, XXXX XXXX, OR XXXX  OR XXXX NOTHING ...!!! NOT AT ALL, THIS IS XXXX I FEEL LIKE I AM STILL BACK XXXXXXXX XXXX DEALING WITH MY CREDIT AND DISPUTING!! OVER AND OVER THE SAME THING.. MY PHONE XXXX MY EMAIL XXXX!! MY NAME IS XXXX XXXX!! MY CREDIT SCORE SHOULD HAVE BEEN OVER 740!! AND UP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: Kentucky Higher Education Assistance Authority
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I signed an original contract with KHEAA ( Kentucky Higher Education Assistance Authority ) which obviously sold my information to this other company that I never had no original contract with which was XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ). 
Also, Public Law 10, Chapter 48, 48 Stat 112. Refers to H.J.R 192 which removed all the lawful gold and silver from the State to pay its employees, and for the People the means to receive pay for sweat equity and pay debt. InXX/XX/1933President Roosevelt passed HJR 192,  XX/XX/1933- and since the government had taken the gold, and the People had no money, the government would pay the 'debts ' for the People, thereby giving them unlimited credit. Whoever has the gold pays the bills. This legislation states that one can not demand from you a certain form of currency, since any form, and all forms of currency are your credit. If they do, they are in breach of Public Law, PL 73-10.  This law protects the people from damages caused by the Federal & State.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
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: Information belongs to someone else

Complaint:
I have been a Victim of identity Theft and contacted Trans Union with both FTC and Police Reports. I have sent this to Trans Union several times. They are not compiling with FCRA 605B. Causing me to not get a chance to get capital from a bank. I am in the process of getting a attorney for the case but wanted to report it so this will be included with my legal case. 

XXXX : Fraudulent XXXX : Fraudulent XXXX XXXX : Fraudulent Upgrade : Fraudulent

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 2017-08-07
Company: Ability Recovery Services, LLC
State: NJ
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 saw on my XXXX credit report that there is an account in collections that does not belong to me ( fraud ). I called the collection agency that is listed on X/XX/17 and they were unable to find any account tied to my name and social security number. However, they refuse to remove the account from my report. I also disputed the claim on X/XX/17 with XXXX. They did not remove the fraudulent account from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: Netspend Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Icalledcustomerservicetocancelmycardduetoanunusualchargeplacedonmyaccount.Theycancelledandreissuedanewcard.Iwassupposedtoreceivethenewcardin7-10businessdays.After12daysIstillhadntreceivedmynewcard(thishappenedtomeinXXXXaswell-Ineverreceivedmyreplacementcardandhadtocallandrequestanotheron).Iwasnotabletoaccessmy{$760.00}directdepositwithoutacard.Icalledforhelpandwastoldthattheywouldissueanewcard.IexplainedwhyIneededaccesstomymoneysoonerthan7-10businessdaysandtherepofferedtosendanewcardovernightandchargemea{$25.00}fee.Isaidthatwasunacceptablesohesaidsomeonefromtheirglobalteamwouldcallmebackthenextday.ThenextdayImissedthecallandcalledbackin5mins.Iwastoldtheyhadtocallmeback.Nooneeverdid.ThenextdayIcalledbackandwastoldthatsomeonefromtheglobalteamwouldcallmebackthatday(itwasaSunday).Nooneevercalled.IcalledlateMondayandwastoldthattheglobalteamisclosedonSunday.Iwasalsohunguponordropped3timesduringthistimeandspent2hoursdealingwithagentswhokeptputtingmeonholdtocheckmyaccountandsupposedlytransfermetoasupervisor.EverytimeIwastoldIwasbeingtransferredtoasupervisormycallended.Iamnowtypingthiscomplaintandthencallingbacktoclosemyaccount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: Paypal Holdings, Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
PayPal - negative {$3000.00} XX/XX/2019 Transfer Loading transaction details for PayPal - negative {$3000.00} XX/XX/2019 Transfer There is an open dispute associated with this transaction. Visit the Resolution Center to view status. 
Paid with Balance Transaction ID XXXX Seller info PayPal Note {$3000.00} USD ; PayPal Posting Date : XX/XX/2019 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: Convergent Resources, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). Convergent Outsourcing Inc violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), and 15 usc 1692j ( a ).

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 2021-08-17
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a Victim of identity Theft and contacted XXXX XXXX with both FTC and Police Reports. I have sent this to XXXX XXXX several times. They are not compiling with FCRA 605B. Causing me to not get a chance to get capital from a bank. I am in the process of getting a attorney for the case but wanted to report it so this will be included with my legal case.

TD/Target : Fraudulent XXXX : Fraudulent XXXX XXXX : Fraudulent Upgrade : Fraudulent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-11
Company: CL Holdings LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been trying to get some proof of this account that is being reported as a derogatory on my credit report by Jefferson Capital System, I have sent certified letters on XX/XX/2021 which I have included proof that they received on XX/XX/2021 but I still have not received a response from them, I reported this dispute to the credit bureaus and it was removed only to be put back on my credit report the following month without providing me any sort of proof that this debt belongs to me which I assure you does not belong to me, I have been with XXXX XXXX  for over six years so I would not need the services of XXXX. I am requesting a copy of a drivers license, signature, copy of a contract, or anything that I could use to prove this is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
On XX/XX/2020, I sent a letter to LexisNexis to dispute the validity of a bankruptcy that was reporting on my consumer file. On XX/XX/2020, LexisNexis responded to my letter and said that LexisNexis was unable to verify the accuracy of bankruptcy case number XXXX within the required timeframe as outlined by the Fair Credit Reporting Act, and subsequently removed this record from your LexisNexis Report The same bankruptcy was reporting to XXXX  and they removed the record from their report ( see attached documentation ). 

I have disputed the validity of the bankruptcy with both XXXX  and XXXX. Neither of the have removed the record. Furthermore, both credit bureaus said that the information was obtained from LexisNexis. XXXX  responded on XX/XX/2020 and XX/XX/2020 and XXXX responded on XX/XX/2020. If LexisNexis removed bankruptcy case number XXXX from my report, then why are they continuing to report this information to the credit bureaus. I feel that this is a violation of the Fair Credit Reporting Act. Please see the attached file for all documents that support my claims. 

I ask that you stop reporting this unverified information to XXXX  and XXXX. Furthermore, please contact XXXX  and XXXX  and have them remove this information from my credit report as it is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
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: Problem with personal statement of dispute

Complaint:
Ive contacted XXXX  and Equifax about A account that was reporting on my credit file and the name of the company was XXXX XXXX XXXX ... XXXX XXXX keep on reporting a fraudulent account in my name without my consent Ive written them and the wrote me back saying theyve investigated which I believe to be false and determined that based on the information I provided matches the Id information they have on file ... Im now including all my proof of residence to protect my identity due to fraud.. I am very upset with the outcome of this investigation and hopefully get this matter handle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has responded stating this account does not belong to them, I have attempted to fix this situation several times, I am not requesting removal of this incorrect account from my credit file today.

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