BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-15
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: Problem with personal statement of dispute

Complaint:
To Whom It May Concern : Both XXXX  and Transunion began to report an unpaid debt on my account in the amount of {$130.00} to XXXX XXXX XXXX around XX/XX/2018. This is stunning, since XXXX  checked into my dispute regarding this account and removed it immediately. Both XXXX and Transunion, however, refused despite several phone calls and dispute filings. I do not owe that company any money. I have never missed a credit card or loan payment in my entire life, and these credit reporting companies have now reported an unpaid delinquent debt that cost me about 50 points on their credit report. I asked the credit reporting companies whether there is a judgment against me of any kind with respect to this debt. Neither XXXX  nor Transunion could find any such judgment. Nevertheless, they stated that XXXX XXXX XXXX claimed I owed money, and that was the end of the inquiry. I asked why my statement that I did not owe any money would not be held in the same regard as that company 's statement. But these companies had no valid answer. 

Furthermore, Transunion continued to add a suffix to my name that does not exist over my objection. XXXX  did the same thing. I disputed this with them, but only Transunion fixed the error. XXXX  refused, demanding personal information, which I was unwilling to send them due to their record of records ' breach ( which impacted me ). They stated  one company ( out of 50 accounts ) reported my name as XXXX, and they would take that company 's word over mine and that of 49 companies.  This was stunning, and to this day, the company continues to hold me out as someone I am not. 

I hope you can fix this! 

Sincerely, 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 2018-02-01
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I sent a domestic wire transfer of {$6600.00} to fund my account on Coinbase currency exchange. On XX/XX/XXXX Coinbase accepted my wire transfer, charged me a {$10.00} fee for accepting the transfer, and then disabled my accounts ability to use those funds on the currency exchange. I contacted Coinbase customer service on XX/XX/XXXX to request this issue be resolved. I received what appears to be an automated response on XX/XX/XXXX asking me to wait 4-5 additional days for a resolution. When no resolution came, I attempted contacting Coinbase customer support again 3 additional times between XX/XX/XXXX-XXXX. There has been no progress or resolution to date. I am unable to utilize the funds in the account, I am unable to get Coinbase to return the funds back to my bank account, I am unable to initiate a wire transfer from Coinbase back to my bank, and Coinbase has provided no customer support.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: Worldwide Processing Group, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received multiple calls personally and left no messages. They have also called one of my relatives repeatedly. My relative finally answered and they stated they were trying to locate my where abouts. He called me and gave the name of FMR and their phone number. When I called back and spoke to someone he spoke very fast and told me this was an attempt to collect a debt. And asked me if my last 4 of my social and then stated 4 digits. When I told him I refused to verify that info since I was no familiar with the the company he said well it's just the last 4 and then I said will not give verify that info he told me he wouldn't be providing me with any info and to call back if I wanted it and then disconnected the call. He would not attempt to verify anything else and would not explain to me why he needed just that federal law requires him to get that info.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: CITIBANK, N.A.
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:
Incorrect information was reported on my credit report without my consent. 
Pursuant to 15 usc 1681 ( c ) ( 1 ) ( A ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; I never authorized XXXX to furnish anything on my credit report I contacted XXXX and have disputes these inquiries. 

XX/XX/XXXX CBNA XX/XX/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 2020-06-24
Company: Resurgent Capital Services L.P.
State: FL
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 noticed this account in my credit report and I have no knowledge of. And I never had this account or credit card. This was not me. And I need this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: WELLS FARGO & COMPANY
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2022-08-10
Company: ProCollect, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I made a phone called on todays XXXX 
The person who handled my collections acct was very rude, misbehavior and blaming its my Acct on collections Im trying to let her know Im the victim of theft and not myself was do the collections Shes represented a company Put my name on collections and very seriously..

Im calling because of the victim of fraud Shes still trying to tell me its my own collections Even I said I have a police report shes still denial that police report shes keep reading out the debt of collector.. 
These business need to understand if I filed a Attorney and asked my damages who have to paid for it Some company turned to used abuse language and fault words but they should be aware about the FACTS not their opinion Putting my name on collections its not true and right I hope everyones should be looking this company Called Procollect collections agency Phone or fax XXXX XXXX XXXX Or email XXXXXXXX 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 2018-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I have disputed the late payments on this XXXX XXXX XXXX account for months. XXXX and XXXX have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2018-03-26
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Walmart has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2019-02-15
Company: ERC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The ERC company ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX ) sent me a mail to collect a debt I didn't owe to XXXX XXXX XXXX company on XX/XX/2019. The amount due is {$180.00}. 
I or any of my family have never use any XXXX XXXX XXXX products. 
I sent a dispute mail to them on XX/XX/2019 and waiting for their response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: Receivable Recovery Services, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently viewed my credit report and found a debt that was being reported by Receivable Recovery LA XXXX XXXX XXXX XXXX. XXXX XXXX La XXXX. This debt does not belong to me. I do not have, nor have I ever had a contract with Receivable Recovery.

I sent a U.S. Postal Certified Letter on XX/XX/XXXX ( # XXXX XXXX XXXX XXXX XXXX ) asking them to validate this debt and to send any signed contracts I have between myself and with this company. I do not have, nor have I ever had a contract with Receivable Recovery. 

According to the Fair Credit Reporting Act, the creditor has to prove this account indeed belongs to me. My letter to this company was sent more than 30 days ago. I'm also concerned with the Hippa Violation of this medical bill. 

I have called this company several times with no returned phone calls. 
This was placed on my credit report on XX/XX/XXXX for the amount of {$640.00}. 

This error has caused great difficulties in me gaining credit, I demand that this negative listing be removed immediately from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been attempting to remove PMI from my mortgage for about 18 months. The mortgage servicer, Huntington Mortgage Group, will not consider the original appraisal of my property ( {$120000.00} ) but  only the refinance value of XXXX 
The original mortgage was closed on XX/XX/XXXX and this loan was refinanced on XX/XX/XXXX, through the HARP program, which did not require a new appraisal. 
I currently owe {$96000.00}, significantly less than 80 %, nevertheless the Company is requiring a current appraisal, at my expense, with a cost of {$380.00} by their referred appraiser and no guarantee of it being a fair and valid one. I am unable to afford this. 
According to XXXX XXXX XXXX the current value of my property is {$130000.00}, according to XXXX it is {$150000.00}. 
It does seem odd and quite unfair that, for taking advantage of a federal government program ( HARP ), I am being penalized, since, if I had nor refinanced there would be no issue on the cancellation of PMI based on the original purchase price, with no need of an updated appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
Company: Penn Credit Corporation
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been harassed by a collection agency side 2019, a request for payment from PennCredit Corporation, stating that I owe an amount of {$350.00}, product : XXXX XXXX service date:XXXX creditor : XXXX XXXXXXXX. I have been calling to the number on the letter but no one answers, send an email requesting further documentation such as invoice with credit card used but did not received any response. I believe some else used my name and personal information to purchased this product. I have never contacted this company to purchase the product above.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2019-02-15
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Barclays restricted my business XXXX credit card number XXXX since XX/XX/2018 that I had for few years now. They have asked me to send verification documents which I have sent. Every time I call their security dept, they tell me they are still reviewing and will get back to me. It is almost going to be 6 months and they are violation time frame in getting this resolved. I would like to unrestrict my card so i can continue to use.

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 2019-02-15
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX systematically fails to process Co-Borrower Release applications for private student loans. Leaving the co-borrower  who received no benefit from the private student loan and received no information regarding the amount to be borrowed, the essential terms of the contract, or any information regarding their permanent and unrelenting personal liability to be released as a co-borrower. XXXX has arbitrary and undisclosed policies regarding how to handle Co-borrower release applications, if they are denied and the co-borrower requests an alternative solution, XXXX assigns the co-borrower a " Consumer Advocate '' who is not a neutral party nor has any discretion or authority to actually advocate for the consumer. The only option this Consumer Advocate can provide is a Co-Borrower Waiver -  wherein the co-borrower is required to pay XXXX to be released from further liability ; however the amount of the waiver is equal to the principal amount of the student loan. This is obviously not a meaningful or financially viable remedy and is specifically intended to prevent Co-Borrowers from being released, frustrate the process, and force Co-Borrowers into bankruptcy. 
XXXX is a debt collector, who is assigned to collect a debt for a third party but systematically and intentionally fails to convey offers to the owner/lender/original creditor regarding Co-Borrower Release Applications or Waivers. This process is unethical and illegal because XXXX has no authority to conduct business in this matter, routinely fails to mitigate damages, and enforces contracts wherein the Co-Borrower was fraudulently induced to accept the terms that were nebulous at best.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX XXXX Amount {$34000.00} Account Number XXXX Date Opened XX/XX/XXXX This account is from identity theft XXXX XXXX XXXX XXXX Amount {$2900.00} Account Number XXXX Date Opened XX/XX/XXXX This account is from identity theft XXXX  XXXX  Amount {$7300.00} Account Number XXXX Date Opened XX/XX/XXXX This account is from identity theft Hard Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
I applied for a payday loan with this lender as I have used them in the past few months and have always paid them what I owed them. For the month of XX/XX/XXXX they funded my account in the amount of {$250.00} on XX/XX/XXXX and I had taken a loan from my 401k to  pay off my loans and the check was deposited to my account so I didn't notice that Speedy Cash debited my account 2 days later in the amount of {$300.00} but I did notice it about 5 days later. Since I no longer needed the funds I did not call Speedy cash to ask why they debited my account and assumed that I may have entered the incorrect due date so I let them take their funds and considered them paid in full on approximately XX/XX/XXXX or XX/XX/XXXX I received an email from them stating that my loan was due on XX/XX/XXXX. Immediately called them and the representative I spoke with told me that since a bank statement wouldn't be available yet screen prints directly from my online accounts would be sufficient. I received no response to my email. I sent it again a few days later, no response. I send it today as a word document and receive an email saying a word document is unacceptable to send it in PDF format. I send it in PDF format, I receive another email that my PDF is insufficient and that a screenshot I was told would be sufficient is not. Now a full bank statement with my account number showing, which shows all of my bank transactions are needed. Every single time I send something they come back requesting something more. I have sent them an email in writing revoking my authorization for them to debit my account any further as I owe them no funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: Certified Bureau of the South, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Never received a bill for this debt. Debt is from XXXX XXXX of Louisiana, however I have been living in North Carolina since XX/XX/2017. Unable to offer payment of debt before being sent to collections due to no bill being received.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I received a copy of the condition report and the amount due on a lease from Chase. There was NO damage to my car except the pitted windshield claim for {$20.00}. I am appalled that they can lie and add these charges since they probably think no one will complain. I dropped car off at a XXXX dealer and there was NO damage as they claim. Additionally if they claim that I did not do the voluntary pre-inspection, they made this impossible to scheduled for a full time working single mother. They should be liable for these lies. 

Additionally - It does not cost {$350.00} to fix a " light scratch '' and please see the other charges in the attached paperwork. The prices are outrageous and NOT in any paperwork I signed.

Company response to consumer: Closed with explanation