BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Please be advised that I, XXXX XXXX have always believed that maintaining an excellent credit history is essential to survive in any economic environment. However, there are times when an individual may face certain health issues that effects ones ability to pay their bills on time, or if a hospital stat limits the ability to stay on top of their affairs. I personally over the past three years have faced several medical issues that caused me to be late on a few payments, be that credit cards or vehicle payments. There were times when I believe I was within the 30-day grace period. I have been perfect on my payment history for well over a year now. Accordingly, I am requesting a professional courtesy to delete the sole or few late payments on my account with your financial institution. You may do a light audit on payments which might prove that I was paying within the 30-day grace period, but I will defer to your professionalism on this matter. It truly has been a pleasure being a creditor with your organization, and I am thankful that you have placed your trust in my ability to pay my bills in a timely manner. 
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 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
Account : XXXX Account # : XXXX This particular account isn't reporting properly on my TransUnion credit report. The account balance and credit usage isn't being reported properly. I spoke to a representative from XXXX XXXX and they stated that there sending updated info to TransUnion.

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 2021-07-09
Company: Coinbase, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I tried to transfer some eth from my coinbase account, and was asked for a six digit security code that Coinbase would text me. Coinbase never texted me, even though I tried six or seven times.

then I called coinbase and sent an email, and they said that I needed XXXX XXXX, and I downloaded that, but, I can't get Coinbase to appear in this app. I deleted everything from my phone and did a factory reset because after coinbase didn't text me, I read coinbases troubleshooting pages for that and it said I needed to delete things and clear out all my old text messages to get a new text from coinbase. 

I was told to complete an account recovery because I couldn't get the XXXX authenticator to work, and I did that, I sent in a selfie, and my id. Yet I'm still locked out of my account. This is my life savings. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Uplift, Inc
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with Fair Credit Reporting Act XXXX Account has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: United PanAm Financial Corp.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
My car was repossessed on XX/XX/2018. I have filed a previous complaint about the repossession with the issues that still have not been resolved. In getting my car back first of all XXXX XXXX XXXX  knew I was getting my car back and the very day I payed to get it back they transferred it out of state. Leaving me with a XXXX bill to even pick up the car. When I got in my car the muffler was really loud. As I drove the car I noticed that I was having a hard time steering it. My car was 2 hours away by the time I got home I was horrified. The very next day I called XXXX XXXX XXXX  and was told that it was the responsibility of the company that did the repossession. I called and filed a report with the repo company and was jerked around for almost 2 months I do believe. All the while I am driving a car that isn't safe according to New York State laws. Well after I got the denial letter telling me that it is pre-existing. It's not because the day I had the car repded I had just drove back to NY from Indiana. In the condition the car is I can't even go to Indiana. This is what is wrong with my car, the whole muffler system is off the car, I have no horn, I can barely steer the car. Making right turns in really difficult. I have a new key for my car and also I have no horn. The other day in a ice storm I slid off the road because I couldn't control the car. My car can not be NY inspected because in the condition it was given back to me it will never pass inspection. Like in the repossession they have given me the run around. XXXX XXXX claims that she was trying to call me to resolve the matter but I never responded. Well if I wasn't answering me she could have sent me a letter telling me that they are trying to get a hold of me. I got nothing. My car is not safe to be on the road according to New York State law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: CCS Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2021 i was contacted for the third time from this company. As a consumer my right to privacy has been violated as Ive never given this 3rd party company my phone number to harass me or my address to also do so by sending mail. This was done without my consent

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26
Company: Dana & Pariser Co.,L.P.A.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was approached after a year with a debt that I feel I dont owe. I explained this to the company and requested a debt validation ... they responded 3 days later with call us ... I then expressed my concerns and explained I paid all my debt to the company they are trying to collect for and again ask for a debt validation letter via email with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX, I have disputed and requested investigation through Equifax credit reporting Co about complaints of re-aging a negative and erroneous collection report from XXXX XXXX XXXX ( collection agency ). Equifax and XXXX XXXX XXXX  has not provided my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ) and has not provided me with the date of first delinquency, nor the FCRA compliance date and the name of the party who reported the date of first delinquency ) The original creditor XXXX acct ending in XXXX is showing a balance of {$510.00}, which XXXX had reported first delinquency date before XX/XX/XXXX. However, ( XXXX XXXX   XXXX  ) continues re-aging an erroneous first delinquency date that should have been deleted from my Equifax credit report this year on XX/XX/XXXX. XXXX XXXX XXXX ( the collection agency ) has re-aged this account again and is showing that the original creditors ( XXXX ) date of first delinquency has been revised to XX/XX/XXXX, which is erroneous and harmful. I am requesting a deletion of this account immediately and am filing a formal complaint against XXXX XXXX XXXX and Equifax credit reporting Co for illegal re-aging practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
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 information incorrect

Complaint:
I opened a XXXX account in XXXX, one purchase was made but no payments were ever made. The account was closed and charged off. It was then sold to XXXX XXXX XXXX XX/XX/XXXX. I have attempted to contact XXXX XXXX XXXX XXXX via mail and phone through all identification available on credit reports and have received no contact back by mail and when I speak to someone on the phone they either can not pull my account up or are unable to give information and direct me to their mailing address. When I contacted XXXXXXXX XXXX  they responded that they had returned the debt back to the original creditor and any complaints should be handled directly with XXXX. There is incorrect information being reported and then validated with the credit bureaus and I want the report removed as it has now reached beyond the seven year window to be reported. I have disputed multiple times and this company continues to validate that the information is correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 I mobile deposited two payroll checks. Those checks were then stolen from me and someone attempted to deposit or cash them. My employer did not pay the check a second time. On XX/XX/2022, Capital One adjusts my account saying the check for the amount of {$870.00} was deposited twice. Then on XX/XX/2022, Capital One adjusted my account again for the amount of {$390.00} from the second check with just the reasoning, to correct an error. After hours on the phone with their customer service for me and my employer, trying to get this straightened out, nothing has been resolved. They have not been able to provide proof as to why they took the money, they all act confused like they have no idea what were talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: SYNCHRONY FINANCIAL
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have a Care Credit account through this bank. I changed {$7700.00} total in XX/XX/XXXX and XX/XX/XXXX of this year at 18 months no interest. 
I set up automatic payments from my bank account for timely payments. However, I did a balance transfer in XX/XX/XXXX with XXXX, at that time the balance owed was {$4900.00}. This company did not transfer the funds until another payment was due which was 6-8 weeks later. 
They took {$350.00} from my bank account and finally transferred the {$4900.00} which left a credit of {$350.00}. 
To date I have NOT received my refund. They've been telling me the check was mailed on XX/XX/XXXX. 
Not received, then they've told me that a stop payment was made on that check and another issued on XX/XX/XXXX. - not received. I have pleaded with this people to send my {$350.00} by overnight express and I'll pay the charge, they won't do that either. It's been nearly two months now on XX/XX/XXXX. 
They intentionally held back sending the funds balance transfer until another payment was due and at that point I thought they transfer amount would have/should have been less the {$350.00} but I was wrong. 
Please HELP me get my money owed to me from this " bank '' asap! 
I'm at my wits end. 
Thanking you in advance 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 2018-11-19
Company: ENCORE CAPITAL GROUP INC.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have tried to contact XXXX XXXX numerous amount of times to request documentation pertaining to the debts that are being reported on my credit reports. There at 2 collection accounts reporting the substantial amount ( s ) of {$1300.00} and {$1200.00}. As a consumer, it is my right to request thorough information affiliated with this debt. This has been going on for the past 6 months and I have yet to receive a debt verification letter via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: Optimum Outcomes, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is the second complaint I have had to file against Optimum Outcomes. I requested debt validation as well as a signed HIPAA release form regarding an account that popped up on my credit report that I had no knowledge of and did not receive a response. A certified letter was sent on XX/XX/XXXX to Optimum Outcomes XXXX XXXX XXXX # XXXX XXXX XXXX, IL, XXXX. In the original response from the company in the complaint they stated I never mailed them a letter- please see the attached receipt of certified us postal mail with the correct address. 
On XX/XX/XXXX the company sent me a letter in response to my complaint on XX/XX/XXXX stating they have reviewed my account and it is valid without sending any proof other than a reference number, balance, date of service and provider. I requested legal proof of the debt as I dont know where it came from. By law in the fair credit reporting act the company must provide either a breakdown of charges or something with my signature and they failed to produce either within the legal allowed time. It has now been nearly 90 days and still no validation or follow up from my certified letter. The company is in violation of my legal rights to have information fairly reported on my credit report. Please see the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
I sent certified letters to XXXX, XXXX  and Transunion post marked XX/XX/2021 and received return receipt on XX/XX/2021 regarding the validity of 4 accounts on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not received a response from any of the credit reporting agencies, these items should be removed immediately Best regards,

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 2023-08-09
Company: EQUIFAX, INC.
State: GA
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 mailed my dispute letter because I have things on my credit is not mines due to identity theft. I have a police report and letter from equifax and XXXX XXXX stating that my information has been breached. My letter was mailed XX/XX/2023 with tracking number XXXX with usps. I also gave XXXX a call at XXXX XX/XX/2023 to discuss why I can not remove addresses I never lived at and accounts that I have on my report that I no nothing about. He stated that he will open an dispute. I have attached a copy of my dispute and yet I keep getting these canned responses from XXXX saying that my information has been verified but I have never received any information of how the accounts and addresses have been verified. This is causing me to be unable to obtain credit. I have attached communication from equifax and XXXX XXXX. 

These are the usps tracking numbers for disputes that have been improperly handled and never received a response in the past. 
XXXX - Equifax XXXX XXXX XXXX XXXX Department XXXX - XXXX XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department XXXX - XXXX XXXX XXXX XXXX XXXX Department XXXX - Equifax XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department XXXX XXXX Equifax XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department XXXX - XXXX XXXX XXXX XXXX XXXX Department

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-09
Company: EQUIFAX, INC.
State: NY
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:
Not only that the last date active doesnt match between XXXX  and Equifax but also the payment history is wrong They are lying if they were getting this information from the same source they can be different., this companies are acting with a ruthless acting against me Nothing match and they still putting this information as accurate. 
So many ruthless actions but this credit Bureaus Im this complain I will show the different between both even in the payment history All the proof I sent and they still saying this is the information the furnisher gave us That is a lie.

How if this came from the furnisher nothing match between both reports of XXXX  and Equifax Im tired of this abused of this unfair act and ruthless actions but this credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
These inquiries are fraudulent and unverifiable. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Listed below are the inquiries : XXXX XXXX NA XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX MO XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2021-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 is one account that is a student loan and this is not mine I have been disputing this with the bureaus for months now I need this off my credit since it does not belong to me!!! 

XXXX - Acct # XXXX XXXX {$140000.00}

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 explanation