BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-07
Company: Winklevoss Exchange LLC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I have deposited XXXX into my Gemini account on the XXXX. 
The bank transfer should have been there on the next 1-2 bank working days. 

When i wanted to check if my deposit has already been credited, i noticed, that my account got blocked and i contacted their support. The support did not answer me at all... I needed to contact one of their support agents directly through XXXX to even get an answer, where they were claiming, that they would have not received the deposit ( I have already deposited money into my Gemini account earlier, but never that much and it always worked fine ). 
After a few days i should upload my payment receipt, which i did... But since that day, they never got back to me... either on XXXX or via Email.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: Experian Information Solutions Inc.
State: MA
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:
Experian has violated the FCRA with XXXX XXXX XXXX account XXXX had been illegally Re-Aged. Re-Aging account is a very serious violation in reporting by Experian. This account has been illegally Re-Aged from XXXX to XXXX. This account has multiple FCRA violations. I have provided proof documentation directly from the credit report circled and highlighted showing the multiple FCRA violations. I have listed the multiple FCRA violations below for the CFPB review. 


( 1 ) Violation of the FCRA illegal Re-Aging account from XX/XX/XXXX to XX/XX/XXXX. 

( 2 ) Violation of the FCRA not putting the required notice of dispute in comments after I have disputed this account multiple times.

( 3 ) Violation inconsistent reporting by Experian with this 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 2017-08-14
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I applied for a XXXX XXXX XXXX Card and as I received the card in the mail I was surprised to see that my credit score that they pulled from Experian showing a XXXX as I previously saw it at XXXX. I pull all three scores just to do my own due diligence and noticed that all three show in the XXXX. I call XXXX XXXX about the situation and advise me to contact Experian and to dispute it. I contact Experian and they advise me Banks are the ones who decide what score they give you that Experian only gives them you Annual Reporting and that Experian doesnt provide an actual score to the banks they have their own system of doing so and to dispute it with the XXXX XXXX. I call XXXX XXXX back and tell them of my situation and what Experian has told me. XXXX XXXX  was quick to say that they pulled my score from Experian and that they also look at my other credit score and that could also be what happened. I advised them they pulled my credit score from  Experian and I told them that I also pulled all three credit scores and my credit has never been that low. They advised if they want me to show proof of the score I can but that they will not reduce my APR as XXXX XXXX also gave me the highest APR because of the XXXX that I was given. They will only reduce the APR if they do another pull.

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 2015-07-14
Company: Paypal Holdings, Inc
State: SC
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
XXXX XXXX XXXX set up a pyramid scam on XXXX in the group called " XXXX $ XXXX $ XXXX {$20.00} auto reshare {$140.00} payout ''. When I figured out what it was, I asked for my money back and she will not send it back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
There is a collection from XXXX misreporting a balance to TransUnion and XXXX that was included in a bankruptcy I filed in 2018. The account is also being re-aged to appear newer than it is. This is bringing down my credit scores and making it difficult to get a loan.

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 2021-10-07
Company: CURO Intermediate Holdings
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I have contacted ASTRA ADA RECOVERY in regards to an account in XXXX transferred and sold as a debt collection. I called to get fax number and was transferred back to the original furnisher of information SPEEDY CASH. I was sent to the survey automated system when placed on hold, I than called back to get account number and was told it was an attempt to collect a debt which is illegal to do so pursuant to 15 USC 1692b ( 2 ) ( 5 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
i was being repeatedly called by discover financial to pay my credit card and in addition to that my personal information was shared with out my consent by this company and i did not appreciate that. My credit score took a dive because of this and i did not know i could dispute and contest this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This pertains to Chexsystems. I have disputed these accounts for XXXX XXXX XXXX and XXXX Bank through the Chexsystems dispute process, that show me either owing a balance or having paid a delinquent balance. I have never owed either institution any money and have closed both accounts years ago, yet they still show up on this reporting service as " charged-off '' or charged-off but paid in full. 
As a result, i am unable to open a new bank account and I want these fraudulent entries deleted from my Chexsystems report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-24
Company: Applied Business Services, Inc.
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I contacted Security Collection Agency # XXXX to resolve a collection of debt for a dental bill, I paid the bill in full with the understand that they would report it as paid in full and never received a paid in full receipt. I was told I can dispute the debt with the credit reporting agencies and that the debt could be removed. The debt current has not be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: BB&T CORPORATION
State: TN
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, 2015 I was advised to bring account current with {$8000.00}, and the Foreclosure dated XXXX/XXXX/15 would be stopped. I ordered reinstatement letter and the amount came back $ XXXX. I faxed my request for postponement and third party authorization over at the same time. It took 2 more faxes and BB & T just now ( TODAY ) receiving my formal written request to postpone/cancel foreclosure in pursuit of a workout. I am told by local agencies other options to Home Retention are available to me but NO One made this clear to Us until now. 
BB & T is saying they can not stop the sale because too close to the foreclosure date. They are not considering the fact that I was misinformed on many levels leading up to now. ( Wrong amount to reinstate given verbally by XXXX on XXXX/XXXX/15 XXXX They are not considering the fact that I have made this request almost 30 days ago but BB & T states they did not receive the fax until yesterday. I have a call and request into the Foreclosure Dept to postpone the sale this according to XXXX XXXX and XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: SUNTRUST BANKS, INC.
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to work with Suntrust for over a year to ensure that I keep my home. I filed for a modification last year. I was up to date with my mortgage and was denied. They offered me the option to short sale. I do n't understand why they would rather let a potential new home buyer to take advantage of the fact that my home has lost value rather than work with the person that has not missed a payment in 10 years. Against my better judgement, I stopped paying my mortgage in hopes that they would help. I filed again in XXXX. Only for them to tell me that they did not get my paperwork. I gathered all of the paperwork once again. Only to be denied a modification and offered the short sale option once again. I can not short sale my house and be taxed on a XXXX. I simply ca n't afford it. They do not have my house properly appraised, have not attempted any kind of resolution, and the rep pretty much told me that he is busy and I am just a number / case load for him. I do not want to lose my home, but I am at my whit 's end with Suntrust Mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: Chime Financial Inc
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
While I was in jail for a weekend someone got access to my account and card and spent almost a thousand dollars. 
I immediately changed my password and ordered a new card and reported it to Chime. 
They almost immediately denied my claim and repeatedly said they would send me documentation of how they reached that conclusion and never did. Not once after offering at least ten times and me saying I wanted them. 
I've gone back and forth with them for over a year now and they have no interest or desire to even respond to my messages anymore except with the same generic response. I shouldn't legally be held liable for more than {$50.00} since I took all the steps I should have in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: ORG GC GP Buyer, LLC
State: NC
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Collection Agency : GC Services Limited Partnership XXXX, XXXX, TN XXXX BACKGROUND : For the past decade I have been harassed by collectors for an alleged student loan debt, a small XXXX, that was paid back by my parents in XX/XX/XXXX-XX/XX/XXXX as a graduation present. ( I graduated from XXXX in XX/XX/XXXX ). 

XXXX did n't contact me until almost XXXX years later. claiming I owed this debt. Naturally NO ONE has their banking and financial records from that long ago! Which of course, is why this scam is so insidious. 

And by then, my mother, who always handled the family finances, was suffering from XXXX XXXX. 

This latest collection agency I responded to immediately, as I always do, reiterating I DO NOT OWE THIS DEBT. 

They sent me back a collection notice, to which they attached a FAKE PAYMENT RECORD, which allegedly shows I made one payment of {$26.00} in XX/XX/XXXX 

Fortunately, I still have the same bank ; and they have just mailed me the proof that no such payment was ever made by me to the Dept. of Ed. or anyone else. 

It is SO UNFAIR AND OUTRAGEOUS that almost XXXX decades after the fact " someone '' can just " decide '' I owe a debt that I ( or anyone else! ) can no longer prove was paid! This would not be allowed in any other kind of debt. 

But fraudulently creating a document in order to " show '' something that never happened is really just too much. I will fax you the proof from XXXX that I never made any such payment on this debt I DO NOT OWE! 

I am securing a legal aid lawyer to stop this bogus debt collection once and for all. When I complained to the CFPB about this bogus debt in XX/XX/XXXX, you passed it on to the Department of Ed ombudsman, who did nothing except send me a copy of my loan application, which of course, PROVES NOTHING ABOUT WHAT WAS PAID BACK AFTER THE LOAN WAS TAKEN OUT!! 

But I would like some action, some censure, SOMETHING against this debt collection agency who is making up false financial statements!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: GUARANTEED RATE INC.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Guaranteed Rate services my home mortgage. I have attempted for over 4 months to process a PMI removal for my home. I completed an application for PMI removal, and made payment on XXXX XXXX for the appraisal. I have followed up via phone 4 times afterwards to inquire about the status of my appraisal and had multiple issues. The first issue was stated that the payment I made was applied to my loan principle. After weeks of calling, that was reversed on XX/XX/2716. I also mailed another paper check explicitly for the loan appraisal as a backup source of funds. That check was received and processed on XXXX/XXXX/16. I was told over the last two weeks that my appraisal was imminent and that I would be receiving a call from the appraiser shortly. I called again today XXXX/XXXX/16 and was informed that there is no update on the status of this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted the company on XX/XX/2021 regarding a debt validation and have not received any correspondence of the validity of the said debt. In the US law encyclopedia, American Jurisprudence, 73 Am Jur 2d. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-07
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I disputed an account on my experian credit report many times and it keeps coming back verified. the account is with XXXX XXXX ( ending in XXXX ) i sent a disput in febuary XXXX and it came back verifid. i wrote a letter to XXXX XXXX in XXXX XXXX asking for a copy of the chargeoff, lates anything pertaining to this acount.and if they can not verify then they must delete the tradeline from the credit bureaus- they sent back a reply to me they do not have any info on me cause they sold it, i then made copies and of the XXXX letters and wrote a letter to experian on XXXX XXXX XXXX asking them to remove this account because kays could not verify it. they sent me back on XXXX XXXX XXXX a credit report stating they updated my report- what they did was update my date of status to XXXX XXXX which made it look like it was a recent chargeoff and put in payment history XXXX XXXX chargeoff which made my score go down, theres no date of last activity on my report either, so i called them at the special handling dept and asked how did they verifiy when in the letter to me from XXXX XXXX they had no information on the charge off or late status then i was told by XXXX that XXXX XXXX informed them they did indeed sold it but leave it on my credit report, then i tried again to dispute it and it came back verified AGAIN. sent a letter to experian and of course verified again, then i called them on XXXX XXXX and just recent XXXX XXXX i asked them WHY they keep saying verified when they are the ones who told me if i get a response to send a copy of it to them WHICH i did and i asked how they verified they said electronic. I WANT THIS ACCOUNT OFF MY CREDIT REPORT ASAP.

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 2021-10-07
Company: EQUIFAX, INC.
State: IL
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have XXXX charge off 's I have disputed with both Experian and XXXX and they say they are verified but the XXXX companies have yet to verify it to me. XXXX did an investigation and deleted them both. XXXX is XXXX XXXX Charge off XXXX XXXX, XXXX & XXXX Charge off XXXX XXXX, XXXX. I have no idea what either of them are. I 'm pretty sure they are changing the dates to keep them on the report. It now says last updated XXXX XXXX, XXXX since I filed a dispute. prior to that it showed XXXX date opened. balance XXXX/XXXX/XXXX. They need to be deleted they are not mine. XXXX XXXX has charged off an account and continues to report and inaccurate balance to the credit bureaus which has hurt my ability to obtain credit. XXXX XXXX continues to verify the account with the bureaus but has failed to validated and verify the account with me and the FCRA clearly states any account that cant be verified with original documentation and signatures must be deleted from the consumers credit file 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.

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 2020-01-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: Freedom Mortgage Company
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My mortgage company will not file the claim necessary for me to payoff my account. I have a partial claim with HUD that Freedom must file for and they will not do so. I could loose my home because of their incompetency. I have been asking them to do so since XXXX, 2021. I have copies of each request I sent them. I have spoken to them on the phone several times as well. One phone the person from Freedom even stated that they were filing the partial claim from HUD as we spoke. HUD has no record of it. Either no one who answers the phones or reads the emails at Freedom knows how to do their job or they lie.

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 2021-10-08
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:
TransUnion is allowing a company by the name of XXXX XXXX XXXX XXXX to submit fraudulent scam fake time-barred accounts onto people 's credit reports so TransUnion allowed such mentioned company to put that I am in collections with them I don't even know the company XXXX XXXX no one can tell me who the original creditor is it a fake faults or time-barred debt that goes against the fair debt collection action 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 2017-01-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
We mailed a copy of the original company 's letter from XXXX request for the original amount owed along with copies of cashed checks for the original amount to Experian. So the debt was paid in full. But Experian still shows XXXX XXXX collection agency on my credit report as a collection account even though XXXX XXXX also received copies of the cashed checks and the letter from XXXX showing the original amount as paid.

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