BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
On XX/XX/2018 I had sent XXXX XXXX a request of Consumer CHECK for physically verifiable PROOF of validity and CERTIFICATION of mandatory COMPLIANT REPORTING, even to METRO 2 FORMAT REPORTING COMPLIANCE and DEMAND OF REMOVAL OF ANY AND ALL ITEMS NOT DOCUMENTED AS FULLY TRUE, CORRECT, COMPLETE, VALIDATED, COMPLIANT per M2C FORMAT and CERTIFIED AS SUCH with legal standing in full accord of my STATE 's and the applicable FEDERAL regulatory reporting laws and standards of lawful reporting. The letter was sent certified mail and received on XX/XX/2018 XXXX XXXX. 

As of XX/XX/2018 I had received no response and sent them a second letter of their FAILURE TO COMPLY WITH FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. 

On XX/XX/2018 after the 30 days and after my second letter I received a Debt Verification Response. 

On XX/XX/2018 I sent a letter thanking them for the DEBT VERIFICATION and explained to them that not only that I never asked for a DEBT VERIFICATION, that This request was unanswered in the time frame allotted by federal law and was indeed a FAILURE TO COMPLY WITH FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. As you are well aware, federal law requires you to respond within 30 days. 

My second letter outlined the fact that my request did indeed go unanswered as I have documented proof of delivery and signature of the Certified mail I had sent.The DEBT VERIFICATION sent does not indemnify XXXX XXXX   of the responsibility and legal requirement to supply EVIDENCE detailing the CERTIFIED nature of the TRUE CORRECT and COMPLETELY COMPLIANT REPORTING of the alleged validated data, even to the full mandatory standards of the METRO 2 FORMAT.

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 2020-06-27
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have received an alert that a collection was added to my credit file and when I checked my credit it was an XXXX XXXX bill from 2016. I called enhanced recovery and told them that I never had a XXXX XXXX   bill and that I never received any notification from them before they placed this on my credit. The guy said he would mark it as fraud however I received another alert where they had added it to another credit bureau. I spoke with XXXX XXXX/XXXX  and the lady was having a hard time finding the account because it was under my name but under a address I have never lived at. This is not my account please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Coinbase.com is not allowing me to withdraw my money. I have verified my identity with drivers license and selfie photo. I then have attempted for over 30 days to complete a questionairre verification. When I complete it accurately it says it could not locate my id. Does not make sense. I want to withdraw my {$4100.00} and have it deposited in my bank account from which it came. 

They said my ticket has reached critical status over two weeks ago and that someone will email me. No one has reached out to me after 30 calls and 30 emails to their office.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
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 checked my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize these accounts and have never incurred debt with these creditors. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up this accounts with someone that has a similar name as me.

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 2021-03-27
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The attached disputes indicating several incorrect addresses are appearing on my Experian report have been sent to Experian via U.S. mail. Both times, I was notified ONLY via email from Experian 's online portal that my investigation results were ready. In both instances Experian has REFUSED to rectify the incorrectly reported 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 non-monetary relief
Consumer complaint received 2020-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM IN THE PROCESS OF BUYING A HOME AND I HAVE REVIEWED MY CREDIT REPORT AND SAW A FEW INACCURATE ITEMS AND ITEMS WITH HIGH BALANCES THAT ARE PREVENTING ME FROM CLOSING OUT MY DEAL. I AM AWARE OF THE ACCOUNTS SINCE LAST MONTH AND I AM REQUESTING IMMEDIATE REMOVAL OF THOSE ACCOUNTS DISPUTED ON THE REPORTS ATTACHED. PLEASE INVESTIGATE AND HAVE THOSE ACCOUNTS OFF 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 2020-05-09
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid my monthly credit card bill. The bank has a copy of the check received by the company. 
Now they are saying we didnt pay and are adding on additional fee and interest. 
What to do? 
We have called once but are looking for some results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-09
Company: EQUIFAX, INC.
State: MS
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:
remove the remaining items listed on my FTC report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Back in XX/XX/XXXX. I paid my minimum due on my card at the time I was on XXXX and my money didn't hit the bank on time so therefore my check was returned twice. Capitol one then closed my account. I called spoke to an account specialist on XX/XX/XXXX. She advised me that if I made 3 consecutive payments on time they would reopen the account. Since then I have made more then enough payments on time. And will be paying off the account on XX/XX/XXXX. I have been calling to get my account re opened for close to a year now and yesterday XX/XX/XXXX and spoke to another account manager to see why they had not reopened my account his name was XXXX  ID # XXXX and he stated he doesn't know why the account manager would tell me that there are no notes stating that. I informed him if they monitor calls please play that call back and you will know that as a consumer I was right. He stated sorry he could not honor that. How sad that this company doesn't stand true to their word.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: SLM CORPORATION
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Sallie Mae calling me repeatedly. Also calling family members asking them to make payment arrangements for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Because of the pandemic I had to file for unemployment assistance. I openeb my EDD acct. on XX/XX/XXXX, my claim was retroactive to XX/XX/XXXX which ment I would receive a large inital deposit to my Bank of America EDD prepaid debit account. Because of the large volume of people appling for unemployment I was informed it could take 4 to 8 weeks to confirm identity and that the claim was legitament. I never received my BofA EDD debit card and sent 3 emails to EDD through my UI online account. At the time it was impossible to reach Bank of America or the EDD by phone and speak to an actual person. After weeks of trying I finally was able to get a BofA EDD replacement debit card through their online site. I received the caed on XX/XX/XXXX, when I activated my card I found out {$12000.00} had been taken from my account. I contacted BofA to report that the first card they sent me had been stolen through the mail and that {$12000.00} was missing. They took my report and opened an investigation on XX/XX/XXXX and credited my account {$1500.00}. On XX/XX/XXXX they said my claim had been resolved for {$1500.00} and the claim was closed. For the mext few months I tried to reach BofA through USPS, EMAIL and telephone without success or reply. On XX/XX/XXXX I finally got through by phone and opened a new claim, I received a letter from BofA on XX/XX/XXXX stating that my claim had been denied because of fraud or suspicious activity on my account. My account was immediately closed locking me out of all my money in the account, the account is still locked as of today XX/XX/XXXX. On XX/XX/XXXX I sent a package via USPS certfied containing a 3 page letter explaining my situation, a police report, my emails with EDD, copies of the deposits to my account from EDD and copies of email sent to BofA. I also requested all documents related to my claims and account, I have not recived anything back from Bank of America.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX  , IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX {$5800.00} XXXX  XXXX XXXX {$3800.00} XXXX & XXXX XXXX XXXX XXXX {$830.00} XXXX & XXXX XXXX XXXX {$5200.00} XXXX XXXX XXXX XXXX XXXX  XXXX {$5000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$51.00} XXXX XXXX XXXX XXXX XXXX {$310000.00}. 

Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING 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 2021-07-20
Company: FIRST CITIZENS BANCSHARES, INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
In XX/XX/2021, I received a XXXX friend request from a XXXX XXXX XXXX, which has turned out to be a fake profile. This person prompted me to switch to XXXX XXXX to send messages back and forth, saying he loved me and wanted to marry me. He eventually asked for my bank account information and ordered checks in my name/address from an account he claimed was his at XXXX XXXX. Recently, he asked me to fill out one of those checks payable to myself in the amount of {$20000.00} and deposit it into my personal account at XXXX XXXX XXXX XXXX. Then told me I needed to transfer {$5000.00} to an account at 1st Citizen 's Bank in the name of XXXX XXXX ( address XXXX XXXX XXXX ; XXXX, NC XXXX ) in order to pay off a lien on a property in Tennessee. 

On XX/XX/XXXX, I discovered that XXXX XXXX had returned the funds of the {$20000.00} check I wrote, because XXXX XXXX  discovered the fraud. This has left my account at XXXX XXXX XXXX XXXX in the negative by {$5100.00}. I believed this man to be who he said he was and trusted him, but have since discovered numerous fake profiles on social media sites using this identity of a high ranking XXXX official. I have contacted all 3 banks involved to report the fraudulent activity, but 1st Citizen 's Bank did not give any indication that they could get the transfer stopped and return the money to my XXXX XXXX Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: EQUIFAX, INC.
State: NV
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:
Under 15 US Code 1681b Permissible Purposes of Consumer reports A ( IN GENERAL ) Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written insturuction of the consumer to whom it relates. I, the natural consumer, XXXX XXXX have not given Equifax, the Consumer reporting agencies any written consent to report any certain information on my consumer report. No consent is identity theft. Pertaining to the following accounts, I wish to have the following information removed from my consumer report at my consent. XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX  more than 21 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is what the XXXX  said : They said the data was correct. I have the bank statement where it was paid directly to the doctor 's office. XXXX XXXX on XX/XX/2019, and posted to my account on XX/XX/2019, for the amount of {$570.00}. This is causing major problems with my ability to get a student loan for my daughter and time is of the essence. 
INVESTIGATION RESULTS - VERIFIED AS ACCURATE AND UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. 
We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Balance ; Past Due. Here is how this account appears on your credit report following our investigation. 

CREDIT CONTROL CORP XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Phone : ( XXXX ) XXXX This account was paid {$570.00} was paid in full full on XX/XX/2019, at the doctor 's office. I can provide you with a statement of {$570.00} from XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: Experian Information Solutions 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:
Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. 

Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FCBA, FCRA, and other federal statutes. 

I look forward to a timely and amicable resolution to this matter.

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: Grain Technology, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have already attempted to fix this issue with Grain via the XXXX. & now I'm about ready to get my attorney involved. However, before I do, this will be my last attempt at trying to amicably resolve their incorrect reporting to my consumer file as I've given them more chances than I should have now. I will also be resubmitting my complaint via the XXXX  and attorney general. Companies can not believe they can get away with these atrocities. Grain has already agreed via a XXXX  thread and via email directly that all late payments reported under their account on my credit file would be corrected to reflect on-time for every month they originally claimed I was late. This is because I was not only unable to access their online system in order to make my payments on-time, but I couldn't contact anyone at the company for MONTHS! Imagine calling a company every day for 2 weeks straight ( 14 days in a row with cell records and screenshots to prove it ) only to be on the Line for 25 minutes at a time before you get a voicemail? Imagine texting a business ( lol ) that has an actual text service that claimed someone would get back to me but never does. Obviously, I have retained all texts from this encounter. Then imagine not being able to actually pay the entity you borrowed from only for them to report you as late. What a joke. Grain has reassured me several times now ( I have reached out several times to ensure they keep their word on our agreement to remove the lates from my file ) that they would update my credit file. More than 1 month later, it remains unchanged. I will still consider continuing to pursue legal action even after this is resolved because companies like this can't think they can get away with this. I warned Grain that I would be reporting them to several different entities if my credit file wasn't updated in accordance with what was agreed upon. This was a few weeks ago. Although they have been a lot more responsive via email, it's a shame that it took me reporting them to illicit appropriate responses.

Company response to consumer: Closed with non-monetary relief