BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have recently filed disputes with all three of the credit reporting agencies and it has been well over 30 days with no respnse.

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 2021-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have recently filed disputes with all the credit reporting agencies and it hasa been well over 30 days with no response.

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 2018-11-13
Company: Bureau of Accounts Control
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was checking my annual credit report and notice a derogatory mark on my report which dropped my score 50 points. After doing some investigating I realized it was from a debt collection company collecting a medical bill I owe. I was hospitalized in XX/XX/2018 and I had bills from multiple different doctors. I've paid so many different doctors for my time in the hospital so it looks like one doctor was missed. However I didn't receive proper notification of this debt or warning that actions against my credit score will be taken. I was on unemployment this year so I also was financially vulnerable this year. The action taken against me by this company is predatory and should be investigated. I will kindly pay the debt owe without any repercussion to my credit score which was unfairly placed. 

XXXX XXXX, XXXX dba Bureau of Accounts Control XXXX. XXXX XXXX XXXX, NJ XXXX Phone : XXXX Amount in question {$330.00} Derogatory marks reported to 3 credit bureaus. Credit score dropped 50 points Occurred XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05
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: Account status incorrect

Complaint:
Hi, i recently start to notice unusual activity on my account for example i have ( XXXX  credit account ) which is still open however in equifax report it said its closed!!!, also i found some disputes & remarks have been added lately which i never did, also it said that ( XXXX credit ) increased by XXXX $ which is not true because it didn't increase and i didn't use it for months, someone is using my equifax credit, kindly investigate it Regards XXXX XXXX XXXX Or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
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: Old information reappears or never goes away

Complaint:
i was advised that by paying this collection it would be deleted from my credit and no longer negatively reported. it is still there even though i paid in full.

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 2018-01-31
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 status incorrect

Complaint:
I contacted the XXXX  onXX/XX/XXXX and on the XXXX   or theXX/XX/XXXXto dispute incorrect information on my account.  I received a letter from them that was dated on the XX/XX/XXXX after an agent said he would look into the issue. The letter stated that the information that they reported to my credit report was correct although none of my loans were 60 days late. I then contacted XXXX  twice after, and to no avail.  I was making payments every week, so the loan never had to time to be 60 days delinquent as it was paid before the next month.  Might I add, you can see a copy of my payment information on the XXXX  website.Also, this was never reported on my credit during the months in question, nor was this information reported in the months immediately followingXX/XX/XXXX  I received information in the month ofXX/XX/XXXX, that this was and had been reported to the credit bureaus that month. Also, a letter will be sent on XX/XX/XXXX that contains this 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 explanation
Consumer complaint received 2018-01-31
Company: EQUIFAX, INC.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello. I disputed a medical debt collections {$180.00} on XX/XX/XXXX and the estimated date to be finished was XX/XX/XXXX. As of today, it still says pending, and on my credit report it says consumer disputes-reinvestigation in progress, this was well over a year ago through Equifax. XXXX  and XXXX were kind enough to delete the debt as its not mine, but it had taken Equifax over a year. I want this deleted off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I never attended college in XX/XX/XXXXso I do not understand these late payments. I never received any bills or statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have a crypto currency account with Coinbase. On XX/XX/2021 I was on my account. I check my account monthly. The following day XX/XX/2021, my son informed me that the currency I owned, XXXX was up 20 %. I went into my account and all the funds ( {$1200.00}. ) were transfered out to an account that wasn't even listed on my transferable account list. The only account listed to send withdrawls to was my XXXX XXXX checking account. This may not seem like a lot of money but my wife and I are eldery and exist on Social Security and a very small pension. We would take money out of the account to aid with medical, food and mortgage payments. It's a big deal. I called Coinbase. It took over an hour to get someone on the phone and another thirty minutes for them to secure my account. They asked ME a myriad of questions before they would even discuss the problem. The representative stated the complaint would be forwarded to security. Long story short. I went back and forth with them for two weeks before I was even allowed back on my site. They stated they were not responsible for transactions. What happened was a suspicous transaction and they did nothing. I think they have no or very little security protocols in place. A class action suit should be filed against them, as there are numerous others.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AmSher is attempting to collect on a debt that i do not owe .I mailed a certified debt validation letter to their company requesting specific documentation to validate the debt which are a signed contract with my signature binding me to this debt that they are claiming i owe.Also i asked for information regarding how much they paid for the debt, and other important documents which i have not received therefore the debt has not been validated Amsher only sent a account summery no signed contract .By law the FCRA requires debt validation which has not been done by AmSher they are in violation with the FCRA and i will file a lawsuit if this debt is not removed of my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: McCarthy, Burgess & Wolff, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collector has called me and made an assertion that I owe a debt, I have no knowledge of.  Now they have obtained my email address and stated the following:Who knows whats next.............Re: XXXXI'm sending this email to discuss an existing commercial business matter.Please call me for further details.Thank You,XXXX XXXXMcCarthy Burgess & WolffXXXX ext XXXXXXXX faxemail: XXXXThis is an attempt to collect a debt by a debt collector.  Any information obtained will be used for that purpose.If you do not wish to receive email messages from McCarthy, Burgess & Wolff, please reply to this email and change the subject line to "Unsubscribe."XX/XX/2018 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 2021-10-26
Company: WELLS FARGO & COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021, I received and email from " XXXX '' that pretended to be computer service company. They claimed that I purchased their services. I did not. But they were charging me {$390.00} for their services for one year. Meanwhile they took control of my computer and stole my data, and then tried to hold me hostage for the price of {$3500.00} to return control of my computer to me. I felt I had to comply because my data was very valuable to me. So I complied and they fraudulently received my {$3500.00}, which was charged to my Wells Fargo Visa card. I then complained to Wells Fargo about this fraud, and after they investigated the incident as far as they chose to go, they blamed me for having complied with " XXXX '' company, and refused to forgive the charge on my 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 2021-07-14
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
MM Svgs acct ending in XXXX was opened XX/XX/2021 per the bank 's promo code XXXX, which required depositing {$10000.00} into the account and maintaining that balance for 60 days, after which a {$100.00} promo bonus would be deposited to the account. Initial {$2500.00} deposit made on XX/XX/XXXX. Cust Svc Rep supervisor XXXX said on XX/XX/XXXX ok to make balance of deposit within a month. I made {$7500.00} deposit on XX/XX/XXXX and maintained the {$10000.00} balance till XX/XX/XXXX. I sent a Secure Msg using People 's United Bank online system on XX/XX/XXXX asking when {$100.00} promo would be paid to my acct. Received response next day that Cust Svc Rep would contact me. On XX/XX/XXXX CSR XXXX told me promo would not be paid because {$10000.00} deposit was made in two parts. I stated that requirement was no where in the promo Terms and Conditions and requested {$100.00} promo be deposited to my account. No action was done by the bank to meet this request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-20
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021 I sent out dispute letters reporting several negative accounts on my credit report that do not belong to me. It has been well over 30 days since then and I have not received any results back from the bureau. This is a violation of my credit rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
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:
have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the cl as I'm stating it had nothing to do with them the account was valid I NEED THE ACCOUNT TO BE VALIDATED, WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX   XXXX XXXX XXXX California XXXX # XXXX XXXX XXXX XXXX XXXX XXXX {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the cl as I'm stating it had nothing to do with them the account was valid I NEED THE ACCOUNT TO BE VALIDATED, WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX   XXXX XXXX XXXX California XXXX # XXXX XXXX XXXX XXXX XXXX XXXX {$110.00}

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
Consumer complaint received 2020-11-10
Company: Sarma
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 intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Certified Mail tracking # XXXX XXXX XXXX XXXX XXXX of the last letter,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Carrington bought my mortgage from XXXX  in the middle of XXXX taking my trial payments to modify my loan. Carrington claimed they didnt receive any paperwork they needed and had a nasty bill collector call and harass that the house was being taken and when would we be out of the house. My daughter called the bank and made a balloon payment to bring it up to date and we are late again. Same man started calling and even called me at XXXX. I am having my daughter cal Carrington directly but I no longer want their debt collectors calling me, only carrington directly. They also had someone come out to do residency verification, the previous people employed by XXXX   were more professional, the gentleman in question stepped onto my property without permission, engaged in a verbal dispute with my son-in-law stating that the bank owns the property and he did not have to talk to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
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:
Hello, I've been in contact with transunion over the past couple of months via phone numerous times ... .Everytime I call I get someone who barely speaks english and can never get anyone who I can fully understand what theyre saying nor can they understand what im saying ... After numerous conversations about the errors they have reporting on my credit file I was finally able to understand them directing me to goto their websites ... .I went on there and disputed the incorrect items on my credit report on their website and after not only WOULDNT the dispute not go through but it also delivered me error messages that said the accounts werent reporting on my file, ... .how is this possible? I've become so stressed out I dont know what to do ... I have also attched a copy of the screen shot of the website ... PLEASE CAN SOMEONE HELP 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 non-monetary relief
Consumer complaint received 2021-10-26
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I order a machine thru XXXX XXXX XXXX with PayPal back in XXXX. Immediately when I received the machine was not the machine I ordered ( older model, not the same attachments, not touchscreen, just totally different machine ) AND it was broken. I tried resolving with XXXX and the seller to no avail and then filed a dispute with PayPal on XX/XX/2021. I went back and forth for 2 MONTHS with them at which time I heard EVERY excuse in the book and the resolution date was changed 14 times. PayPal responded to my previous complaint and talked about a COMPLETELY different dispute. This complaint is regarding dispute number XXXX , attached is just some of the XXXX I had to deal with while this ordeal with PayPal. They protect fraudulent sellers just to make a few bucks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-14
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Midland credit was removed from my credit file due to ID theft 2 years ago, they went in and added it back to my credit report, they have been harassing my family and friends, this isn't my account, that's why it was removed

Company response to consumer: Closed with explanation