BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$0.00}, {$240.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$240.00} -This is not my account.

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 2017-08-08
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Placed an order with XXXX in XX/XX/XXXX for fig trees to be shipped in XX/XX/XXXX. It 's XX/XX/XXXX, and shipments were nowhere to be seen. Seller does not respond to emails, and does not have a valid phone number to be reached. Contacted PayPal, and case was closed due to over 180 days. PayPal had suspended the seller 's account long ago due to fraud, and yet failed to contact buyers that had made purchase with seller. PayPal refused to refund buyer using their 180 day policy even knowingly there was a fraud with seller Seller : XXXX XXXX aka XXXX XXXX aka XXXX aka XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: EQUIFAX, INC.
State: AL
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 A LOT OF FRAUDULENT INQUIRIES ON MY EUQUIFAX. PLEASE REMOVE THESE FRAUDULENT INQUIRIES. I AM TRYING TO BUILD MY CREDIT TO BUY A HOUSE. I AM STRUGGLING WITH MY LIVING SITUATION. I NEED TO BUY A HOUSE AND THES INQUIRIES ARE CAUSING EMOTIONAL DISTRESS FOR ME AND MY FAMILY. PLEASE REMOVE THESE FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: California Accounts Service
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was sent a collections notice by mail regarding a medical service I obtained from XXXX XXXX XXXX. The debt they are seeking to collect is not owed by me. I had reached my deductible at the time that I sought medical treatment from the provider XXXX XXXX XXXX. If any balance remains due to the provider it should be processed through my insurance provider XXXX from whom I have received no notice of balance due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: United Resource Systems, Inc
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I will attach all my correspondences with United Resource Systems , Inc whom I allegedly owe {$4800.00} to. As you will see, I have offered on numerous occasions to settle the amount allegedly owed in full upon their assurance in writing that they will provide me with the original instrument of indebtedness in its original form. On every occasion, they have either overlooked or ignored my requests to exercise equity in redemption and by refusing to acknowledge that right they have refused to accept payment in the process. That settled the matter legally and financially at XXXX hours on XX/XX/2018. You will see that their company attempted to communicate with me via telecommunications during the dispute process. You will also see that after time has expired to exercise equity in redemption, they post dated a response to fall within the time frame, forgetting or failing to realize that the electronic delivery method leaves a time stamp.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: ALLY FINANCIAL INC.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have about XXXX in an Ally bank account ( https : //www.ally.com ) in both savings and investments for about 3 years now. Recently, since the Covid-19 pandemic they have repeatedly locked me out of my account and requested that I change my login and password on at least three occasions. This has prevented me from getting access to my funds or account statements, and they do not provide me with copies of my paper statements. In addition, I had requested a transfer of XXXX dollars from my savings account to my XXXX XXXX XXXX XXXX checking account and they refused to honor the transaction. This makes no sense because I have frequently both deposited and transferred funds to and from my XXXX XXXX XXXX account. I have not had any issues with my other bank or investment accounts outside of Ally. I believe that they have some sort of IT error with their internal controls because this is the only bank that has given me any issues with accessing my funds. I would like this resolved as soon as possible and would also like information on how to close my account with them. Given the circumstances, I no longer trust them with my money.

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 2021-07-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 45 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 30 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I opened up an account on XX/XX/XXXX. My report should reflect that I paid my account on time for 18 consecutive months. This account should reflect closed XX/XX/XXXX. I reached out to the company to resolve the problem with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 checked my credit report for the first time in several weeks at the beginning of this month, only to find that several accounts listed in my Transunion credit report did not belong to me. I did not have this problem with XXXX  or XXXX, only Transunion. Because of the incorrect accounts listed, my credit score on Transunion dropped significantly and is currently over one hundred points lower than my credit score on XXXX and XXXX. I contacted Transunion. The lady I spoke with disputed all five accounts that were not mine. The accounts have yet to be removed from my credit report and are still affecting my credit score on my transunion 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 2021-07-19
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Hello, I have been a member of experian credit monitoring services for quite some time now. I noticed many inquiries on my credit that I did not recognize. I reached out to the companies that pulled my credit and told me that I had to go through the credit bureau. I contacted Experian 's fraud department many times letting them what happened and they have denied my requests multiple times to remove unauthorized information from my credit report. I would like assistance with this matter as the unauthorized/incorrect data on my credit report is preventing me from achieving my financial goals. 

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 2019-03-26
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
In late XXXX I received my rewards balance statement which told me that the bank was no longer mailing out yearly checks for their rewards program and that the rewards were loaded on our XXXX XXXX account. Customers are to go into XXXX XXXX and either apply these rewards to their credit account or they can be applied towards a purchase of their choice. I tried to redeem my rewards on a number of occasions without any luck. I was given numerous excuses and was made to hop through hoops to try and redeem my rewards that theyve done nothing to try and assist me. I was forced to get a new card, forced to wait, and made to call their customer service. After a months period of time, I got fed up and decided to contact your office.

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 2020-08-01
Company: EQUIFAX, INC.
State: AR
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:
Earlier this year there some fraudulent accounts appearing on my Equifax credit report, one being from a company called XXXX XXXX. After sending in several disputes and supporting documentation, Equifax removed the fraud related accounts including the XXXX XXXX account from my Equifax Credit Report. As of XX/XX/XXXX I received notification from my Equifax credit file that the XXXX XXXX has reported back on my credit report which is a violation of the Fair Credit Reporting Act in regards to sections 605b, 609, and 611.  This information has been blocked and included on both an identity theft and police report and should not be reappearing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
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:
In XX/XX/XXXX, I had a student loan debt consolidation with XXXX XXXX that included XXXX and XXXX XXXX XXXX loans. My XXXX loans were sold to XXXX XXXX XXXX in XX/XX/XXXX or XX/XX/XXXX. I disputed the fact that I had XXXX XXXX loans in forbearance which XXXX XXXX placed in forbearance as well ; yet, when XXXX XXXX sold loans to XXXX, they did not honor the forbearance and reported late delinquencies. ( See attachment XXXX Forbearance Loan Declaration.pdf for forbearance dates ). I began rebuilding my credit in XX/XX/XXXX or XX/XX/XXXXand sought the assistance of a Credit Repair Specialist. She contacted all my debtors, including my student loans. After 3 months I decided I no longer needed her assistance. In XX/XX/XXXX, XXXX XXXX XXXX reported a Charge-off on my XX/XX/XXXX pay history. I contacted Customer Advocate at XXXX on XX/XX/XXXX. About 7-10 days later I spoke with XXXX XXXX about the Charge-off. She stated that the loans are sold to XXXX XXXX XXXX and can not make any changes to the credit reporting. I disputed the inaccuracy with XXXX and they upheld the credit report and made no changes. I have attached credit reports of mu Experian and XXXX report for reference.

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 2021-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 car was broken into and the thief took all my identification information and is now trying to open accounts in my name. I did not request anything from these companies.

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 2021-07-19
Company: LEXISNEXIS
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: Credit inquiries on your report that you don't recognize

Complaint:
There is an unauthorized inquiry on my credit report from XXXX XXXX on or around XX/XX/2019. I did not give XXXX XXXX permission to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have had {$300.00} dollars worth of income defrauded from my checking account, and after the bank 's " investigation, '' it was deemed that I made these charges, when I in no way, shape nor form authorized them nor participated in them. 

As a result of this seizure of my funds, I am facing homelessness AGAIN. 

I had a person staying with me for a few weeks, named XXXX XXXX XXXX XXXX XXXX, who took my wallet, while I was asleep and initiated numerous financial transactions all over town. I did not give him the card nor my PIN, and no authorization was given to him. 

I am requesting that this amount plus damages be awarded to me and be placed back into my account. There were cameras at these ATMs and this bank knows XXXX well that I was not the one who withdrew this money from my account. Please assist.

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 2021-07-19
Company: The CMI Group, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX entered a XXXX XXXX transaction on or about XXXX XXXX with XXXX. I not know who Credit Management L.P, I have never done any business with this company. I sent Credit Management L.P. a letter of debt validation that has never been answered and a Notice to Cease and Desist communication.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: MoneyLion Inc.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
In XXXX of 2018 I took out a {$500.00} loan with Money Lion. The loan agreement I signed said that I would be paying back {$19.00} biweekly. Since then I have kept up with every single loan payment as agreed to. 

However, Since XX/XX/2018 I have also been charged {$36.00} biweekly for a " membership '' fee. A membership that I neither knew about or signed up for. Multiple times I spoke with money lion in regards to refunding my money and stopping this fee, but they would not. My bank had to block them from charging the {$36.00} and only allow them to charge the {$19.00} loan payment, because I do want to pay back my obligation. 

My bank attempted to recover approx. {$800.00} that money lion has taken from me in the form of " membership '' fees. But they were not because MoneyLion provided them " proof '' that I signed a membership agreement. This agreement contains no actual signature just my typed name and a date. It does not even include a time or IP stamp to validate that I actually signed this. And the reason it doesn't, is because I never signed a membership agreement. None of my loan paperwork references this agreement. Moneylion just takes it out of your account by surprise.

I would like either proof I personally signed this agreement or my money refunded.

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 2021-04-13
Company: TCF NATIONAL BANK
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX XXXX online credit card payment {$78.00} XXXX XXXX XXXX charge {$37.00} return item fee charged online banking print out shows 3 overdraft fee times {$37.00} each and a return Check fee Total 4 fee 's {$140.00} TCF return {$74.00} of the fee 's still owe {$74.00}. 

The {$78.00} online payment should of been posted and paid on XXXX XXXX not. Enclosed is copy of date and confirmation number. 

Now credit card posted my account a " Return payment {$78.00} and a Past Due fee {$25.00} Making/Resulting in- a NEGATIVE MARK on my credit report Dated XXXX XXXX Enclosed copy statement, TCF XXXX XXXX posted " Backdated credit '' to my account for the online payment $ XXXX This is Not credit in time for me to make *Another* payment BACK to my credit card account along with the Past Due charge- I was then charged for and the Negative {$78.00} payment I had originally made. 

TCF owes me {$78.00} plus {$25.00} past due charge Total {$100.00} NOTE : this is a " Continuance from this Issue/from Complaint # XXXX making this Complaint an- Addition to- of the Further Harm.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-19
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Hi, l am a customer of Coinbase. l always seem to have a problem accessing my money to transfer it to another bitcoin wallet address. For instance, when l had {$1100.00} deposit in my account, the system/payment gateway would tell me l do not have enough money for the {$1000.00} transfer. l would have to wait and try and try again to transfer the {$1000.00}. When it finally allow me to transfer the {$1000.00} it only allowed {$960.00}. l would like the Consumer Financial Protection Bureau to have Coinbase change their payment gateway to one that allow for immediate access to the money in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: DISCOVER BANK
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up for a new XXXX XXXX XXXX  membership with discover card. Didn't get {$45.00} statement credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: TRANSWORLD SYSTEMS INC
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My attorney requested I reach out to you to advise that even though XXXX XXXX XXXX is in a large lawsuit regarding their collection practices on private student loans. They were advised to stop all collection attempts per an article in the XXXX XXXX XXXX until further notice and they are still calling to collect via a collector XXXX XXXX in MN

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: FISERV INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2021, I received communication from a debt collection agency requesting payment from an unpaid debt to XXXX 's XXXX XXXX XXXX XXXX in the amount of XXXX ( XXXX + service charges XXXX XXXX. The amount is to be sent to TRS Recovery Services XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, CA. XXXX. 
Reference # XXXX There is a GA XXXX XXXX XXXX, XXXX, GA XXXX, and inquiries telephone numbers, XXXX, XXXX listed as well. 
I do not owe this debt. My last payment of XXXX was made to the credit card that XXXX 's promotes in XX/XX/2021. XXXX 's has no record of this debt and the credit card company shows a zero balance. 
As you will note that my address is not correct in the letter and this club does not allow products to leave the store without payment.

Company response to consumer: Closed with explanation