BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-23
Company: Bread Financial 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:
To whom it may concern : My name is XXXX XXXX. On XXXX XXXX, 2017 I sent several certified letters over to each of the creditors and credit bureaus and you have yet to correct the error account that you are reporting on my credit profile. You continue to send me a bogus verified code account. I am unaware of the accounts listed below and have no knowledge of the accounts. I have never applied for any of the accounts. I have no idea, credit cards and have never applied to XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX At this point I am fed up and I am distressed. My only result is to take legal actions, I remained professional through out this situation and Ive sent in certified documents hoping that you guys would correct the error in respect to violationg my rights within The FCRA. I am only left to contact the attorney generals office in XXXX XXXX County, also File a police report against your company for using my credit profile and placing error accounts on my profile without my consent and this isnt the first time that you have done this to me. At this point I am fed up and in distress with the XXXX that you are causing. You have caused me so much problems and I will make sure you pay the consequences and court fees of {$10000.00} in court fees for violating me through the FCRA, placing error accounts on my credit file and other violations. At this point this is my final attempt to resolve this issue out of court. If you feel that I am wrong please feel free to provide me with all the necessary steps, documents used to determined that this debt is for me and I am liable for it. Please provide me with the necessary information and detailed copies of the paper work and documents. Thank you please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: Shellpoint Partners, LLC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint took over my mortgage over a year ago. For the last few months, they have been over charging me fees for taxes and insurance that I do not have with them. My XXXX payment had also been moved into an account that I knew nothing about and they kept telling me my mortgage was late. As of today which is XX/XX/21, they are still charging me for taxes and insurance. I have my own insurance and I have called these people numerous times. I am not sure why they keep screwing up my account but Im tired of them. This is the worse company ever and I dont know what the problem is with them and other peoples money.

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 2018-01-23
Company: TD BANK US HOLDING COMPANY
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:
I have absolutely no idea what this account is, I have never opened a account with this creditor and want this removed. 

I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report, also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud reports with them. 

TD/XXXX ( paid in full ) charge off, I have never had a XXXX card and refuse to shop there! Complete and utter fraud. Along with XXXX XXXX which is from XXXX XXXX XXXX? I have only ever had service through XXXX ( XXXX XXXX XXXX XXXX ), I do not nor have I ever had XXXX XXXX XXXX and want this removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: Credit Karma, LLC
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 would like this to be taken very seriously as I 've been working extremely hard to clear up and clean up my credit ; Prior to my credit updated via Credit Karma, I had a XXXX via Equifax + XXXX on my XXXX, My new SECURED CC had yet to report ( The balance is less than {$33.00} ( It 's now showing {$190.00} ) ) - However I also still had a collection on my account prior to it updating. 

The final collection account was finally removed ( So I had nothing remaining in collections when it updated ) and my secured card finally showed up, somehow my XXXX dropped 25 Points to a XXXX ; and My XXXX dropped 62 Points to a XXXX. 

Keep in mind, there 's no more collections after I had a TON of collections removed etc and cleared up, Additionally I got a new CC ( Secured ) and have less than a 25 % current balance on that card. 

I was expecting my scores to skyrocket, instead they 've tumbled. WHY is this exactly, I really do n't understand, I 've done everything to clear this up and get this fixed. It does n't make any sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: EQUIFAX, INC.
State: PA
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:
Old child support that showing up on credit report. 

XXXX XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX XX/XX/XXXX ( 15 yrs, 2 mos )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: Navient Solutions, LLC.
State: FL
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:
Navient offered me a crazy deal to lower my payments but didnt tell me that this deal that would help me would really cause me to never pay off the principle but only pay interest for the rest of my life. XXXX XXXX was also cheating me. I have paid off many loans in my lifetime and have never dealt with anything as illegal as this situation. Please help me. I have simply stopped paying them. I had consistently paid them {$30000.00} of a {$50000.00} loan but the balance remains at {$50000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: Coinbase, Inc.
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I used Coinbase to purchase {$6000.00} of XXXX on XX/XX/2019. On XX/XX/2019 I received a notice that another purchase was being initiated for the same amount. I did not initiate this purchase and it was not authorized. I attempted to contact Coinbase twice by telephone and was instructed that no customer service was available by telephone and that I would have to initiate a case on the Internet. I initiated a case and received a confirmation email. Coinbase attempted to withdraw funds from my bank account, which was declined. I received a subsequent email from Coinbase Support on XX/XX/2019 stating that they would be reviewing my case. I sent several replies with no response. I have attempted to call several more times. Coinbase seized XXXX from my account to cover their unauthorized purchase and subsequently sold it at a loss to me. They have stolen my money and I can not even get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03
Company: EQUIFAX, INC.
State: OH
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 an account that is unverified on my report the I have filed a FTC ID THEFT REPORT. I am looking to buy a home this year and I have done everything to deal with this account with no help from XXXX XXXX # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-02
Company: Ray Klein, Inc.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid XXXX in XX/XX/2018 {$240.00}. XXXX accepted payment, then I received a collection notice from Professional Credit and promptly advised them this was already paid. Now I am in contract on a home, and being denied a home loan due to this collection. I have made several requests to Professional Credit to show this as paid and remove the item from my credit with no action on their part to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: Alliant Capital Management LLC
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated phone calls to my place of employment. Repeated phone calls to my extended family including telling my father about my debt. And back to back to back phone calls to my cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: General Motors Financial Company, 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:
I have tried contacting GM Financial but no one answers the phone or call back. I tried sending letters requesting information. The letters are returned but I use the address on the website. I am requesting a copy of a XXXX for a XXXX XXXX XXXX XXXX for XXXX or XXXX. I never received a copy. 

The information you reporting to the credit bureaus are inaccurate. I am not sure how the credit bureaus are verifying information from you when I can't even get ahold of any one from the company. 

I do not any account information. Please use my name to find the info you need.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: U.S. BANCORP
State: AK
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:
XXXX XXXX XXXX said too any delqieuncy on credit but I did that credit check and there no delinquency. Not only that they block my card so I be forced to call so people hacked me more losing XXXX dollars. I don't have have any delquencey they made .e go to someone else to ask for a loan which put a hard inquiry on it. I want all the knquirys o have with yall in the last 8 months removed. 
Basically when I walked in another person who hacked my account drove tot he front desk and told them not to let me have anything and they said they applied for .u personally loan at bank but o check it there no inquires so I did it again. The day after they said delinquency I checked my credit report another 3 months after that are no missing payment. Then they lied trying to obtain more information about me so these XXXX XXXX XXXX  get my identity info and pass it to there XXXX  and friends.

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 2019-07-16
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On or about July 2/3, 2019 I called Carrington Mortgage to advise I would be send one full payment and a partial payment which would be enough including what was in a " holding '' account to make a full payment. I spoke with a XXXX. I was told I would need XXXX to make two full payments. I was also advised I would not have to pay late fees at this time and the money would go to my mortgage payments which would leave me owing for XXXX, 2019. On XX/XX/2019 I paid through my online banking XXXX, thinking I would have a little left over in the " holding '' account. On XX/XX/XXXX I called Carrington Mortgage and was told I owed for XXXX and XXXX. I advised this was not true and got very upset. The rep then told me she did not understand but that there was a full payment in the " holding '' account and that XXXX had gone to late fees, which I was told previously I would only have to worry about catching my house payment up. The rep advised she would send in something in order to have the XXXX payment processed. Today I observed in my online acct that did take XXXX out for late fees. 
Today, XX/XX/2019, I received two calls at XXXX XXXX, one call at XXXX XXXX, and one call at XXXX XXXX in which I finally answered and was told my account was in default. I have already been scammed by someone claiming to be my mortgage company and I am not in default with my mortgage as I owe for XX/XX/2019 at this time. The guy said he was with Carrington Mortgage and I asked why he called me 4x in a row and he said he was collecting a default mortgage. This is harrassment from this company and the fact that they did not give me credit for one house payment but took late fees from it, is also a big problem for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX XXXX on my credit report it reflects I was 30 Days late in XX/XX/XXXX, but I had automatic withdrawal. Based on the supporting documentation, it shows that payment was made, but they did payment reversals on numerous dates. 

XXXX - on my credit report, it reflects I was late 30 days in XX/XX/XXXX, but the supporting documentation and phone call with XXXX representative says otherwise. 

XXXX- on my credit report, it reflects I made late payments between XXXX and XXXX. In speaking with the representative, they did not have records to verify late payments.

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 2018-01-23
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
There was a fraudulent credit inquiry that I was made aware of in XX/XX/XXXX with CBNA Sears that happened on XX/XX/XXXX. I initially called Sears CBNA in XX/XX/XXXX when I conduct my annual credit report check and was made aware of the fraudulent activity, and was transferred around multiple times by different representatives getting the run around, I was told to mail my police report to the CBNA Sears office in South Dakota, and now they are asking for a account number that does not exist as the store card that was fraudulently applied for in my name was denied. I mailed out the letter and waited a few weeks for a response from Sears ; I received a letter from CBNA Sears XXXX XXXX XXXX XXXX XXXX, South Dakota XXXX on XX/XX/XXXX, the letter stated that since I did not have a account number they could not process my request to have the hard inquiry for a Sears Store Card removed from all of my credit reports. I sent them a police report stating I was a victim of identity theft and they are not handling the situation at all. I want the fraudulent credit inquiries removed from my credit report on all three credit bureaus. 

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 non-monetary relief
Consumer complaint received 2021-12-03
Company: Professional Debt Mediation, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX, and I'm submitting this complaint myself, and there is NO THIRD PARTY INVOLVED. 

I, XXXX XXXX, consumer, and natural person, have been a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to Decline or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. 

XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: AMERICAN EXPRESS COMPANY
State: MD
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 submitted 2 online payments to American Express from 2 different banks. One on XX/XX/XXXX for {$1000.00} from XXXX. One on XX/XX/XXXX for {$1000.00} from XXXX XXXX XXXX. I used the wrong bill in both situations and paid an account that had been closed. I intended to pay my XXXX XXXX but accidentally used the bill pay for the OLD XXXX card provider - American Express. Starting XX/XX/XXXX, I've called American Express multiple times only to be told, there is nothing they can do. I even offered to provide the detail XXXX XXXX provided showing information regarding the payments, routing number, account number etc... The only thing Amex does is transfer me to XXXX ( new XXXX card provider ). The money has been debited from both checking accounts and sent to American Express. XXXX confirmed American Express will not forward this type of payment. I've attached details regarding the XX/XX/XXXX transaction from XXXX XXXXXXXX XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-23
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:
I transferred XXXX USD onXX/XX/XXXX to coinbase.com and they promised to credit to my account on XX/XX/XXXX Today is XX/XX/XXXX and it has not been credited yet.. I opened a case with www.coinbase.com Case # XXXX IMAD # XXXX. NO RESOLUTION. They are not even responding to my emails. I am also ID verified on coinbase. They simply stole my money and no one to talk to or resolve the issue -The full name on the account the wire was sent from : XXXX XXXX XXXX XXXX -The amount of the wire = XXXX  USD -The date the wire was sent XX/XX/XXXX -- The federal reference # IMAD # for the wire FED # XXXX More DETAILS OF WIRE TRANSFER WT FED # XXXX XXXX XXXX XXXX=XXXX XXXX XXXX XXXX # XXXX TRN # XXXX RFB # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion is reporting duplicate accounts for XXXX XXXX both accounts are showing a balance this is incorrect the balance in XXXX acct ending in XXXX original loan balance 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 2019-07-16
Company: Experian Information Solutions Inc.
State: UT
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 is reporting a debt I do not owe. This account is fraud and I have filed a police report # XXXX with officer 's XXXX and XXXX. XXXX has yet to prove this debt is mine and it needs to be removed.

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 2021-12-03
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2021, Goldman Sachs reported an INCORRECT balance of {$4600.00} on my Apple Card to the Credit Reporting Agencies. In addition to having an incorrect balance reported, we were unable to furnish evidence of a zero balance as the monthly statements omit any part of the our account number on the statements which make it difficult for lenders to tie back to any particular account. When I called to correct the issue, Goldman Sachs customer service indicated it would take up to 60 days to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: EQUIFAX, INC.
State: UT
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 is reporting a debt I do not owe. This account is fraud and I have filed a police report # XXXX with officer 's XXXX and XXXX. XXXX has yet to prove this debt is mine and it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Coinbase, without adequate warning, restricted access to my accounts both with Coinbase and their sibling company, XXXX. 

I have been unable to log into XXXX for nearly 20 days and as such my funds have been held hostage. I have done everything they have asked me to and yet I get nothing but silence from them. I can not see or verify that my funds are safe, nor am I able to transfer money or other digital assets in, or out, of their service. 

I hear horror stories that some people have to wait upwards of over a month before getting their cases resolved. I consider this criminal! There are significant tax and financial implications as a result of their behavior.

Company response to consumer: Closed with explanation