BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
**Note previous report contained grammatical errors and missing keywords. Please disregard complaint XXXX** I received a report from XXXX a couple of month ago stating my identify was on the dark web. On XX/XX/2018, I sent a certified letter along with my proof of address to Transunion to remove unverified fraudulent accounts on my credit report. Instead of responding to my claims, they sent a stall letter on XX/XX/2018 stating the proofs of address were unacceptable. Within a few days, I called Transunion to update my address. Nearly one month later, I still have NOT received a response to verify the accounts. I filed a FTC report on XX/XX/18 and faxed the FTC report along with my ID, social security card, and a copy of section 605B of the Fair Credit Reporting Act which states the credit bureaus must block the fraudulent information within 4 business days. I called Transunion today on Friday XX/XX/2018. They stated do not have to follow the FCRA 605b law and block the fraudulent information. I asked why they will not block the information and Transunion stated they do not have to tell me why. XXXX  has deleted and block the accounts and inquires listed on my FTC and I would like to Transunion follow suit and do the same as well.

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 2021-07-01
Company: AMERICAN EXPRESS 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 response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: Receivables Management Partners, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Medical vendor neglected to file insurance claim as required by agreement with XXXX XXXX XXXX. They were informed how to do so no less than eight times. Now they are putting a collection on my credit accounts, which is fraudulent as they are in breach of their insurance agreement with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: EQUIFAX, INC.
State: FL
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:
I am XXXX XXXX and I'm submitting this complaint myself and there is NO Third Party Involved. 

EQUIFAX is violating my consumer rights under 15 U.S. Code Chapter 41-CONSUMER CREDIT PROTECTION, SUBCHAPTER IIICREDIT REPORTING AGENCIES. 

I have also submitted an affidavit of fact and a demand of removal from my consumer report. I am a consumer and natural person of the United States of America and my consumer rights have been violated and I demand a quick and proper resolution. I am holding the consumer reporting agency - EQUIFAX is civilly liable for their gross negligence. Attached are the Demand of Removal Letter and signed affidavit of fact that includes the FCRA violations and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: Synovus Bank
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Worlds foremost bank aka XXXX XXXX shows up in a loan application Along with XXXX XXXX # XXXX XXXX  XXXX # XXXX I need to know info On accounts They app was with ex husband XXXX XXXX And one XXXX  XXXX on my credit reports # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: SCA Collections, Inc.
State: SC
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 a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Southwest Mediation Service
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
First I have never had a magazine subscription in my life, so when I got this phone call and this guy started threatening me I got pretty snappy. This dude XXXX XXXX XXXX XXXX XXXX XXXX had tons of my personal information, my last 4, full name, previous addresses and email, but a bunch of bogus info that I didn't recognize too, addresses I have never lived at, emails that weren't mine but used my name. He says he is gon na call me back tomorrow and he wants me to settle a debt for this alleged magazine subscription, I never had, from 2014! Well I am a mouthy guys so I really worked this guy up, got him upset and got him to start making threats. Now he alleges that this company " XXXX XXXX XXXX '' made a verbal contract with me over the phone but refuses to provide any proof of it, he says they have a recording of my voice agreeing to a magazine subscription, and that I either have to settle the debt with him for {$280.00}, or be sued for {$2000.00}. Because he had so much of my info I thought someone was using my information ; but when I got home I started looking and I found this ... XXXX XXXX XXXX That link shows 43 complaints with the XXXX and many of them are far better worded and explain in better detail what is going on. Oh and this XXXX XXXX XXXX That link is to XXXX XXXX XXXX , it is not able to be located by the XXXX it is not a real company and it is definitely linked to the Southwest Mediation Service that XXXX is working for. XXXX XXXX XXXX XXXX is a XXXX XXXX that is issuing exorbitant fake debt and then attempting to settle that debt for less through the Southwest Mediation Service out of Nevada under threat of a suit that sounds very similar to a SLAPP suit. and guess where XXXX XXXX XXXX are??? Georgia! Because of course Georgia, because that is where XXXX XXXX reported that these ridiculous law suits are still legally entertained by the courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: CREDIT ACCEPTANCE CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
I received a letter from the company that I submitted a dispute with previously. In the letter it states that they have closed the account and no further payments are owed. The account is from 2015 and its the only derogatory account on my report and I would like it removed since they closed it and ther is no longer a balance. The company is Credit Acceptance and my dispute was in regards to their predatory lending practices.

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 2018-09-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This so-called " company, '' Portfolio Recovery, calls incessantly on both our home line and now my new cell. Check the reports on the XXXX  phone lookup ( XXXX XXXX XXXX  ) : They are scam artists and need to be shut down now. Per the alert on that site, dated XX/XX/18 :

Portfolio recovery junk debt buyer, they will harass and threaten with being arrested and put in jail. They are in violation of Federal collection laws and have been sued hundreds of times in the last year and have lost. Report the number to your states attorney generals office and the FTC, FCC and XXXX. We don't owe anything, and I'm sick of their invasive harassment. Our landline is on the national Do Not Call registry, and I am putting my cell # on that registry today, for whatever good it will do. FYI, they apparently also change their # s to make tracking more difficult.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-12
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I sold items online to a buyer in another state ( Idaho ). The buyer went to the bank with my information and made a CASH deposit in the amount of {$6000.00} I called the bank to verify that the cash deposit was made and that the money was posted to my account. They told me that the cash was in my account so after confirming this, I gave the buyer ownership of the items that I was selling. The next day I woke up and the money was being " held '' by the bank ( my money ) and it was not available. Now the bank says that they wo n't give me the money because the person told them that they " deposited the money under duress ''. I 'm not sure what that means but I sold an item for CASH and when the money was in my account I believed our transaction to be complete. I have receipts and other proof of this VALID transaction. THE BANK IS HOLDING MY MONEY HOSTAGE!!!!

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 monetary relief
Consumer complaint received 2017-08-12
Company: Experian Information Solutions Inc.
State: MO
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:
In XX/XX/XXXX, I got my credit reports, i noticed my students loans were reporting open, closed - with XXXX. I have contacted XXXX in regards to my XXXX student  loan payment history- it shows 4 loans 15 payments each past due. Destroying my history and credit. I contact XXXX they show this are loans XXXX, XXXX, XXXX, and XXXX - I stated that my loans were suppose to be in default. Well when I initially contacted in XX/XX/XXXX - I called over the phone - Like I usely do to renew my economic hardship- the representative told me- to mail in proof of state assistance- I mailed information-never received any information that those 4 loans were ever in default. Sent a goodwill letter- no response. I need help getting this resolved

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 2019-10-30
Company: HYUNDAI CAPITAL AMERICA
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: Account status incorrect

Complaint:
since XXXX 2019 Kia finance has been reporting me to the credit bureau as 30-60 days late, I admit that my payments are made after the due date due my hours being cut but never 30 days they are trying to use the late fee as the whole payment being late, I have try to change my due date to avoid these fees, when I make my payments I pay more than the amount of my car payment try to take care of the late fees, I have never heard of a company reporting late because of the late fees its not fair and its messing up my credit I ask them to send me a copy of all my payment and everytime I call they says its in the mail but after months and still haven't receive that's because they knpw that I have never went past 30 but again was late, so everytime that I make a payment I add a little extra to get the late fees taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On MondayXX/XX/XXXXmorning at XXXX XXXX I discovered at least three fraudulent changes on my checking account with TD Bank. Two were charged to XXXX XXXX ( {$940.00} + {$680.00} ) and one was charged to XXXX ( {$1.00} ). 

I called TD Bank and reported the fraud. They told me that the card was compromised and the card would be deactivated. They told me that I had to wait for the pending charges that I saw on my account to post before they could dispute it with XXXX XXXX. 

The XXXX charge dropped off. 

They told to me to check periodically and as soon as the charges posted they would begin the investigation. I called again TuesXX/XX/XXXXand and again todayXX/XX/XXXXbecause the charges are still listed as pending. 

My question to them is why had n't they done anything in the intervening 3 days? 

I asked them to explain the logic of waiting for pending fraud changes to be completed, and then to have to recover the money that was now stolen. 

I also questioned that a credit card transaction was different from funds being handled as a debit from a checking account. After I got off the phone for about 12 minutes. I checked the email status of the complaint that I had registered on Monday XX/XX/XXXX. ( XX/XX/XXXX XXXX XXXX XXXX right after the phone call ) This is what it said : Dear xxxxxx, Thank you for contacting us in regard to your account. 

To dispute the Debit Card/POS debit charged to your account, please contact our 24 hour Customer Service department or visit a customer service representative at your nearest TD bank store and ask hem to fill out a regulation E form for a merchant dispute. This form will grant us the authority to act as your advocate and research the disputed Debit Card/ POS debit. '' Five minutes ago on the phone TD Bank was still telling me that I had to wait for the charges to post before anything could be done. 

To add insult to injury I was in a TD Bank branch the morning of XX/XX/XXXX to get another debit card, and could have filled out the dispute Monday morning. For some reason TD Bank did not want me to do that and either willfully lied or misdirects its employees

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-01
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: Information belongs to someone else

Complaint:
After reviewing your letter which I attached from your company, Equifax, stating why you have refused to block the fraudulent information from my credit report I found it very interesting. Your company said in accordance with Section 605B of the FCRA you have determined not to block this fraudulent information subject to the submitted identity theft report and/or police report that I provided. That decision is not up to you, you only have the right to deny or rescind a block if there was a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error. I, XXXX XXXX, did not make this request in error. I also did not receive any goods, services, or money as a result of the transaction issue. I also sent the report which I have made with the Federal Trade Commission with my original letter, which I have attached to this complaint, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? The reason that you have listed does not apply so I can only believe that your company is purposely reporting this fraudulent information to my credit report which is an act of constructive fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, Equifax now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: eCon Credit LP
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:
My account has been on auto pay since XX/XX/XXXX. XX/XX/XXXX I get an alert that my account had a missed payment, which was untrue. I tried to reach out to the company and it appears that they are out went out of business, the phone number doesn't work nothing, meanwhile all the major credit agencies have been notified and the was back on XX/XX/XXXX, I have yet to receive a update, I called them and they are saying I just submitted dispute which was a lie, I am getting the run around

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-23
Company: Flagstar Bank, N.A.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Good Morning, I am currently a customer of Flag Star Bank. I was in the process of doing a closing with their partner mortgage company. Due to the pandemic I had call them to see what options were available for lowering for information purposes only. They share that I could do a Forbeance program or if I was looking to lower my interest rate I could refinance based on my payment history. At no point did I provide the authority for the company to file under the forbeance program. Lets fast forward to the day prior to closing my agent calls me and advised me that we can not close because there is a note on my account that advises I am on a forbeance program. I called Flag Star Bank and ask them for a letter that states that I did not apply for that because it was interfering with my closing that I had to reschedule until the issue was resolved. I spent on the phone hours asking to speak to a supervisor to get the issue resolved only to be told that they couldnt send a letter and I was gon na have to wait until the letter their legal department was drafting was ready. As it turns out the letter that I received states that I opted out of the program and that isnt sufficient and have to start the refinance program once again. I am truly disappointed at this company and beyond stressed due to the multiple individuals that I spoke with to try to get this issue resolved. I am currently in the process to refinance again due to their issue on their end. In addition, instead of trying to assist me with the issue some of the agents I spoke with had an attitude. To make matters worst they made it seem like I was the crazy one that applied for this and is asking for an impossible demand. 

I have attached a report from XXXX which confirms that it was an error on their end. Until today I am waiting for an apology. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All Im asking is for this note to be removed from my credit and any history as it was erroneous.

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 2020-07-07
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On the date XX/XX/2020 a tansfer of XXXX XXXX XXXX  or {$600.00} in today 's value from Coinbase Wallet to Coinbase.com. The funds were never received and I used the correct address for receiving the fund. I saw the funds deposit on my Coinbase account then disappear a second later and never come back. I have a copy of the transaction on the XXXX XXXX to prove the transaction in fact happened and that it was complete. On the Coinbase.com wallet, it doesn't show that the funds were ever received, sold, or converted. The coins just disappeared and the two wallets are owned by Coinbase. Customer support for coinbase has been very unprofessional and keeps dragging out the case. The case number for my case through Coinbase is # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Law Offices MBA has placed several debts with XXXX  and XXXX  with my name and social however I do not know who this is and neither do I have a contract with them. I have asked them several times to provide me with a contract that I have signed and original documents and I have not received neither. 

There are listings for the following amounts : {$1400.00}, {$1400.00}, and {$2700.00} and I would like those removed from my credit file as soon as possible if they can not provide me with the original documents signed by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Submitted an initial request here with assistance from my attorney but realized my social is wrong. These items on my credit do not belong to me and I'm submitted request for these items to be removed. 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 explanation