BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  and Transunion are reporting incorrectly that I am 60 days past due on XXXX partial account numbers XXXX. ( Please see page 9 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-04-09
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: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX are reporting incorrectly that I am 60 days past due on XXXX partial account numbers XXXX. ( Please see page 9 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: CITIBANK, N.A.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to sell my property as a short sale. This property has been under contract since XX/XX/XXXX. Citi Mortgage is the 1st lien holder and Citi HELOC is the second lien holder. Citi countered the buyer 's {$200000.00} offer with {$230000.00}. The value dispute was initiated on XX/XX/XXXX and up until now we have not receive an update from Citi other than them confirming receipt of the docs and that the file was endorsed to their review team for the value dispute review. 

As per Citi, my file was removed from their short sale review while the value dispute review is ongoing. We keep on following up with them for an update because we do not want to keep the buyers waiting. They advised that they do not have a time frame for the review and that's what keeping us worried. 

Can you please assist in making Citi escalate this file? Thank you for your assistance with 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 2017-12-09
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XXXX XXXX XXXX XXXX I bought XXXX USD worth of XXXX on CoinBase using my XXXX bank account, without being asked for personal identification. 

On XXXX XXXX the value of the XXXX has gone up and since XXXX futures would start trading on XXXX XXXX I decided to reduce my exposure and attempted to sell the XXXX USD worth of XXXX I was only able to sell XXXX USD worth of XXXX  into us dollar at the exchange rate of $ XXXX/XXXX  HOWEVER, Coinbase asked for my personal identification in order for me to sell the rest of the XXXX. Since I am a XXXX student in the US using a XXXX XXXX I am unable to provide my SSN, so I had to take pictures of my passport and send it to Coinbase.

Coinbase uses a third party to verify my XXXX ID and the third party is not working. I have waited for two hours and still have not got a comfirmation, and the value of the rest of my XXXX is going down rapidly ( down 7 % since I have initially attempted to sell ) as of the time I am writing this. 

Why did Coinbase not notify me of this when I made the buy order? Now my assets are being exposed to risk that I do not wish to because I can not liquidate them into US Dollar due to Coinbase 's identification system not working for XXXX XXXX holders.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: CL Holdings LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Between the years XXXX to present, A XXXX XXXX account was posted on my credit reports for the amount of {$2600.00}. I started a review of my credit reports around XX/XX/XXXX and noticed the account on my credit reports and requested a dispute because this was in fact not my account. 

On XX/XX/XXXX I was served with a summons in regard to this XXXX account by Jefferson Capital Systems and the attorney on file ; XXXX XXXX. The summons states that I am the assignee and owner of this account. 

I have determined that this account is a result of someone using my personal information fraudulently from XXXX, MI and opening this XXXX account illegally. This account has been reported on my credit reports for over 3-4 years and should have never been attached to my personal information. 

The facts that this is not my account are : 1. I have never opened a XXXX Account in any State or the State of Michigan ; city or county, etc. 

2. I have never lived, rented or owned any property that would require me to open a XXXX account. 

3. I have never given anyone permission or consent to use my personal information and social security number to open a XXXX account as stated. 

4. I have never lived in the city of XXXX, MI and never resided at XXXX XXXX XXXX XXXX, MI as listed on the XXXX account billBetween the years XXXX to present, A XXXX XXXX account was posted on my credit reports for the amount of {$2600.00}. I started a review of my credit reports around XX/XX/XXXX and noticed the account on my credit reports and requested a dispute because this was in fact not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: TMX Finance LLC
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
After making two payments the principal amount of the loan has not gone down. I feel I have been deceived because XXXX requires a new loan with each payment and the amount of payment I am scheduled to make does not get applied to the principal amount of the loan making it impossible for me to pay off the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: I.Q. DATA INTERNATIONAL, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
After the vacation of an apartment that my partner and I rented, the apartment after changing the locks and locking us out of the apartment on the last day of the lease agreement and locking our belongings up, They requested for XXXX something for damages, cleaning and key replacement and sent to collections. The collection company IQ Data called my partner on XX/XX/2019 while she was in class and she told her she needs to pay now or represent the balance that their client asked them to collected. My partner XXXX told her she's busy right now and will call back soon as she's free that day to make payment and she's not refusing to pay.The agent kept threatening and wasn't listening to her, kept saying she'll record this as refusal to pay and may be reported to her credit, my partner was furious, hung up and texted me. Being a collector I wanted to call IQ DATA to address this and remind them of FDCPA REGULATIONS. But The agent called me withing the hour and kept telling me she needs a representation and told me the same thing she told my partner. I asked for a supervisor and he wouldn't let me talk and told me he's busy at first before talking to me n kept asking me how do I want to pay. And called it collection tactics.. I told him I'm not refusing to pay and my partner will call back and pay but he said since I'm on the phone pay and get it later from my partner. I told him Im busy and my partner will pay. He them proceeded to say our account is in refusal to pay and will report as refusal to pay. I told him because he's not listening to me cease and desist and I hung up

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a purchase on XX/XX/XXXX The merchant provided a return label which was used to return the item ( See attachment # 1 ) The item was returned to merchant on XX/XX/XXXX ( See attachment # 2 ) The shipper ( XXXX ) lost the package I initiated a dispute on XX/XX/XXXX, at the time I provided the tracking number and a copy of the shipping label that was provided by the merchant On XX/XX/XXXX, Paypal requested the tracking number, I attempted to provide the tracking number but the website did not work, see attachment # 3 for screenshots indicating that the website can't can't be accessed. 
On XX/XX/XXXX, I contacted Paypal and provided the tracking number over the phone. 
On XX/XX/XXXX, I received an email from Paypal indicating that the dispute was decided in favor of merchant because the tracking number was not provided by me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-23
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Hunter Warfield, Inc. Buy the account from another company they calling me al day friends, family, Everybody my job I have Conversation with them over the phone to stop all this and they answer was ( good luck ) not respect and I want to end this and I need your help

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: Media Collections, Inc
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Joseph Mann and creed have contacted me twice at work now. The first time of contact was on XX/XX/21 around XXXX. My job is for XXXX XXXX. Its a XXXX XXXX. They call there asking to speak to me. First thing is first I dont owe anyone any money to begin with. Second you cant call an XXXX XXXX to collect a debt. I told them to stop calling in shorter terms. They have again called at my place of employment on XX/XX/21 at XXXX. This needs to be taken care of and stopped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-13
Company: EQUIFAX, 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:
I have tried numerous times to get this illegal reporting off my credit report from Equifax files. I finally got a letter from the company myself, and also fisrt data sent them a letter a month ago to get that item removed from my credit files. I am attaching the letter again for Equifax can get it again, and finally get this matter resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-06
Company: PENTAGON FEDERAL CREDIT UNION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I XXXX XXXX entered a consumer transaction with PENFED CREDIT UNION in XXXX of XXXX. I never asked them to send me a bill. In XXXX of XXXX they sent me a bill, in this bill were FDCPA violations 15 USC 1692b ( 2 ) using symbols and profane language, 15 USC 1692j ( a ) using deceptive forms to make me believe I owe a debt. and violations in TILA 15 USC 1602 ( p ) unauthorized use, paying monthly on a credit card.

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: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
There are 16 accounts on my credit report that do not belong to me I have tried disputing this with the bureaus since XX/XX/2020 and nothing has been done I need help Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX  CARD Account Number : XXXX Account Name : XXXX  CARD Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX. 
Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 2018-02-27
Company: Experian Information Solutions Inc.
State: MD
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 had a two year contract and fullfilled this contract and went to a new company after it was up.I payed my cell phone bill for two years like the contract said.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: CITIBANK, N.A.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I placed a call XXXX XXXX associate I told them that this was not my debt that this debt was written off I have until the XXXX to respond a XXXX I respond on the XXXX with a phone call and then a Written Letter which they should have received close to the XXXX instead of them stopping Collections and verifying that the debt was actually mine it went forward and put it in the credit bureau not operating in the procedures that is done it should have been stopped collection and send verification the alleged amount of debt is {$7600.00} I asked that they verify this to the XXXX XXXX contracts anything with my name signed on it and the proof of all purchased items dates and time and that they truly on this debt and have the right to collect this debt they did not give me the proper rights that I deserve because if they would have investigated this has not been on my credit report XXXX XXXX XXXX XXXX XXXX XXXX none of this was on my credit report for years why not even the Citibank card was not on my credit report cuz it was forgiven

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX  XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX  XXXX Balance : {$4000.00}, XXXX  XXXX XXXX Balance : {$660.00}, XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX  XXXX Balance : {$450.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}.

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 2017-12-01
Company: Eastern Account Systems of Connecticut, 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 status incorrect

Complaint:
Have two medical collection accounts with Eastern Account one for {$210.00} and on for {$270.00}, I made a payment ( after weeks of trying to contact EAS- their phone system is horrible, no one returns your calls and they keep you on hold for half hour at a time ) on XX/XX/XXXX for both accounts for a total payment of {$490.00} which cleared my bank account on XX/XX/XXXX. 

One of the accounts ( one for {$270.00} ) has reported closed and paid on my credit report, while the other one has not. I called EAS AFTER 3 hours of trying to reach someone I finally get growing, I was told they update on the XXXX of every month and I have to wait. I asked how is that possible since the other account was update on XX/XX/XXXX as closed and paid? I left a message for senior management- and I have n't heard back from anyone. How can the same company report one account closed and not he other when one check was n't paid for both accounts?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: BB&T CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/2017 at estimated time XXXX XXXX to XXXX XXXX I tried depositing {$500.00} in cash all {$20.00} into atm. I put my atm card and went through all processes to where atm took my {$500.00} in cash in machine. After it took my cash ; the ATM went into out of service mode and released my atm card and kept my money. It did not give me any receipt or credit my account. No fail safe on ATM. I went into bbt bank in a panic and a XXXX XXXX addressed me and made me wait about 10 minutes. Finally he took me in his office and not really believing me. Took my atm card and driver 's license looked up my account and started questioning me about previous complaint and wanted to know details and this had nothing to do with ATM or him. Finally he made a call and told me there nothing he can do go get the number off the ATM machine and call it. So I had to drive around and get the number off ATM machine and it was bbt number. I called number and they asked me why the branch did n't file a report for the ATM malfunction and missing cash {$500.00} because bbt services the ATM. I filed reports and then XXXX started calling me again stating he was sorry. 
I did n't get a case number and I feel very upset the ATM stoled my {$500.00}. There was no fail safe on ATM it didnt give any receipt. I asked bbt if I should file a police report and I did ask XXXX XXXX for the security video showing me making my deposit. The money was for my XXXX XXXX for my puppy to be flown here. My husband gives me cash every week and I had saved it up. I was in shock it stoled my money and even more in stock XXXX XXXX did n't believe and questioned me on a previous complaint like I was lying about the ATM stealing 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 explanation
Consumer complaint received 2018-12-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I would like to report the actions of the Credit Reporting Bureaus and those of XXXX XXXX XXXX XXXX and or XXXX XXXX XXXX XXXX XXXX  ( COLLECTION ACCT # XXXX ) to this complaint forum and request an investigation for their unlawful actions. A payment in full was made to this debt at least twice at this point at XXXX XXXX XXXX XXXX and then I received notice, past the 4 year mark, that the debt was going to result in a lawsuit if not paid immediately which, according to FDCPA law, is actually a violation of of section 811. I was scared and sent payment and as a result they re-aged the debt and and re-activated the account which was due to fall off in XX/XX/XXXX but it did not because one of these institutions changed the the XX/XX/XXXX date to XXXX XXXXalong with company name, information, balance without presenting a miranda to me. This item is supposed to be off of my report and is now actually 7 years and 1 month old. The bureaus allowed the name change, date change and re-reporting of old information without right and continue allowing the collection agencies to continue to report the account as delinquent, until now. A lawsuit is in motion at the XXXX XXXX Small Claims Court in XXXX XXXX   court District and I will add all three bureaus to the small claims court documentation if I do not see a removal of this account in 30 days. Please note that I believe I have escalated this fraudulent account enough and after mail, phone and online attempts were denied I am forced to seek legal and public help.

Company response to consumer: Closed with explanation