BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-06
Company: DISCOVER BANK
State: VA
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:
I checked my credit report on XX/XX/22 and it says I have two accounts which is wrong sense I have only one card. Then it also says that there is a revolving credit which is not right with a balance of {$35.00} and a credit limit of {$1000.00}. I have never seen or recognized this at all. I think something is not right here. I only have one credit card and two debit cards

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
To whom this may concern, I sent TransUnion a letter date XX/XX/XXXX requesting the removal of unauthorized credit inquiries. I informed TransUnion to provide me with accurate documation that I authorize the inquiries and provide permissible purpose of the inquiry. TransUnion responded to my letter on XX/XX/XXXXstating that I have to contact the original creditor regarding the inquiries and they didnt provide any investigation regarding the inquiries and by FCRA law I know that TransUnion is responsible for investigating inaccurate information. I sent TransUnion a 2nd letter regarding the inquiries dated XX/XX/XXXX as a response to there letter, requesting again that unauthorized inquiries be removed along with my updated credit report highlighting all unauthorized inquiries. TransUnion has failed to provide me with any further information regarding these hard inquiries. I have attached to this complaint claim the letters that were sent to TransUnion along with USPS certified tracking information for date of receipt references. My credit score is my reputation and reporting inaccurate information without investigation is unfair to me as a consumer. I hope this can get cleared up as soon as possible. Thank you so much.

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 2019-12-05
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: Information belongs to someone else

Complaint:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2021-03-11
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hi sir/Madam, I have deposited XXXX XXXX coin from my XXXX origin XXXX XXXX to coinbase account, but still now it was not received to my coinbase account, iam loosing my amount due to this, I used correct address and memo number to transfer it, so i not made any mistake, i have checked twice before sending it, I have attached my transaction details for your review, Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: BANK OF THE WEST
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX BANK OF THE WEST CHECKING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 Re : Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: SYNCHRONY FINANCIAL
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I received an chargeback notification from PayPal for {$400.00}. I immediately called the customer and she realized her mistake and called her card issuer, XXXX to cancel the claim she filed the day before. PayPal followed up with them and XXXX notified PayPal that the dispute had been canceled but they proceeded with the claim anyway and charged my account and accessed a fee. I have made numerous calls and even three way calls with PayPal, the customer and XXXX. I have requested PayPal to call XXXX and provided them the information twice. The customer provided me with proof that the claim was closed and the funds were returned and PayPal refuses to trace these funds. They give me an excuse that ranges from saying they have never heard from XXXX to this legally needs to take 90 days. I get a new story every time we speak.

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 2017-06-07
Company: Collection Bureau of America Ltd.
State: CA
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:
Collection Bureau of America 1 )  continues to attempt to collect debt that was paid in full to the original creditor, and 2 ) refuses to expunge negative mark on my credit record.     Original debt was in amount of {$550.00} for ambulance services, and was paid in full to the City of  XXXX   XXXX  ( honored cheque attached. ) I spoke with  XXXX  @  Collection Bureau of America  on  XXXX     XXXX    2017   , provided the evidence of payment, and no action has been taken on their part since.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: Professional Medical Management, Inc.
State: DE
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 had an   XXXX   proc edure on  XX/XX/16  a t  XXXX   XXXX   XXXX . Billing to my insurance company and I received several statements with different balances. The initial billing seemed very high for the procedure that was performed so I waited some time to ensure that the insurance coverage had a chance to be paid in full. By early  XXXX , there was no additional payments or activity so I contacted  XXXX   XXXX  hospital billing department directly to work out a payment plan on the over {$600.00} remaining balance as I did not have the money to pay in full. A representative in the billing department suggested that I contact the  XXXX   XXXX , in the financial assistance department to apply for assistance and/or set up a payment plan for the balance. I was not able to reach her and left a voicemail but did not hear back and called again  XXXX  weeks later and left another voicemail but never received a return call. So, on  XXXX   XXXX , I contacted the billing department again and spoke with  XXXX  who set up a payment plan for me and took my first payment over the phone. However, the following day,  XXXX  from billing called me to inform me that my account would go into collection anyway.

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 2022-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I FILED A DISPUTE IN THE REGARD OF TO THE INCORRECT ITEMS ON MY CREDIT REPORT AND THE INVESTIGATION TOOK WELL OVER 30 DAYS.

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 2017-06-07
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Navy federal credit union, refuses to release my fund 's. She called me out of my name. Very rude to me. I just want ti close my account and be done. ]

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
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:
My personal information including social security number, address, and other personal information has been exposed in multiple data breaches and has resulted in identity fraud. Someone has gotten a hold of my informationand is using it to fraudulently open accounts in my name. I just got a copy of my credit report and examined numerous fraudulent account on my report. These events have devastated my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Nelnet, Inc.
State: VA
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:
The amount of loans supercedes that in which I actually received. 
XXXX XXXX XXXX. 
The final aid administrator fraudulently taken Ioans out using my personal information.

I'm requesting all student loan debt be forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Sent lawful tender of payment to this company since XX/XX/XXXX and they have denied it multiple times along with the 1099A that they have denied they received. Due to multiple violations of the TILA now I have rescinded the contract on XX/XX/XXXX they have now unlawfully repoed the vehicle on XXXX.Pursuant to 12 USC 1431 banks can not loan you money. I have attached my payment remittance coupon that was received by Westlake XX/XX/XXXX, please see " act of XX/XX/XXXX '' my tender of payment is lawful.

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 2022-04-06
Company: IQOR US INC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I WAS CONTACTED BY A LETTER/BILL STATEMENT OF COLLECTION FROM ALLIED INTERSTATE, LLC. SAYING THAT I OWE A DEBT FROM XXXX XXXX  FOR MY COMPANY : XXXX XXXX. THE DEBT IS SHOWING {$740.00} AND I/WE ( ME AND MY WIFE ) HAVE NEVER HAD ANY DEBTS/LOANS/CREDIT WITH XXXX XXXX. I HAVE NEVER HEARD OF XXXX XXXX, EVER BEFORE. 

YESTERDAY, I " CERTIFIED/RETURN RECEIPT '' MAILED THEM THE BELOW : MY COMPANY : XXXX XXXX HAS NEVER EVER HAD AN ACCOUNT WITH ANY OF THESE COMPANIES : I WILL BE SENDING ALL INFORMATION ABOUT THESE COMPANIES TO THE FTC AND THE CONSUMERS FINANCIAL PROTECTION AGENCY ! ( The Bureau of Consumer Protection ) : AND FILING COMPLAINTS! 
IT IS CRIMINAL TO HAVE DARK WEB COMPANIES JUST KEEP SELLING OUR DATA AND INFORMATION ACROSS THE WEB AND SYSTEMS, JUST TO SCAM PEOPLE OUT OF MONEY. JUST CRAZY AND WRONG!!! 
PUTTING CREDIT ALERTS AND RESTRICTIVE THINGS ON OUR CREDIT FILES, SEEMS TO NEVER STOP CRIMINALS, FROM THIS 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 2019-03-19
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I've been working toward cleaning up my credit. When I recently received a credit report I noticed that my previous mortgage was being reported incorrectly. I then started working with a credit repair company called XXXX XXXX. They disputed my Mortgage results from XXXX XXXX XXXX XXXX. XXXX and XXXX fixed both the Payment status and creditor remarks. Experian has not updated this information. I've disputed this information through experian twice already. Still nothing has changed. The first dispute response was report # XXXX for XX/XX/XXXX. The second dispute response was Report # XXXX for XX/XX/XXXX. 

Currently XXXX and XXXX report Current in payment status. In Creditor remarks XXXX   reports Foreclosure discontinued and XXXX  reports Account Paid after foreclosure started, In payment status Experian reports Foreclosure and in creditor remarks credit grantor reclaimed collateral to settle defaulted mortgage. This information is incorrect.

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 2017-06-07
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Checked   XXXX   XXXX   and there is a hard inquiry from  XXXX  ( Retail, Not Elsewhere Classified ) on  XXXX   XXXX ,  2017 . I never authorized a credit check for anybody in the past   XXXX   years. it is showing up on my  XXXX  report

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 2022-08-16
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: Information belongs to someone else

Complaint:
I have sent several FTC Identity theft reports to TRANSUNION yet as of todays date, the adverse accounts on the report are still currently reporting onto my consumer credit file. Whenever I speak to any agents at TRANSUNION they tell me that their " Internal polices '' prevent them from blocking information due to identity theft, which is noncompliant with 15 U.S.C. 1681c-2 ( a ). I have sent TRANSUNION everything that the law requires yet these accounts are still reporting onto my consumer credit file in violation of the Fair Credit Reporting Act. I have attached the required information to this complaint as well. It is frustrating already having to deal with matters of identity theft and the consumer reporting agencies such as TRANSUNION are supposed to have procedures in place to ease the burden consumers face when dealing with identity theft. I have decided to use this CFPB complaint to contact and provide all of the information required by the subsection so that I have a formal record of my attempt to handle this matter directly with TRANSUNION prior to any further required action. The law is very clear about what is needed in order to apply the block of reporting in regards to matters of identity theft. This adverse information is harming me tremendously and preventing me from moving forward in life, I am unable to get a house to live due to these adverse accounts damaging my credit file. These matters have severely harmed my general reputation and because I have never authorized the reporting of these adverse accounts my individual rights to privacy have also been violated. Please ensure that TRANSUNION follows the law and Blocks the reporting of the information that I have identified as resulting from identity theft. For the record these accounts have already been blocked from reporting by XXXX ( proof 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 non-monetary relief
Consumer complaint received 2017-06-07
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: Credit inquiries on your report that you don't recognize

Complaint:
Checked XXXX XXXX and there is a hard inquiry from XXXX ( Retail, Not Elsewhere Classified ) on XXXX XXXX, 2017. I never authorized a credit check for anybody in the past 2 years. it is showing up on my Equifax report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Experian Information Solutions 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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 non-monetary relief
Consumer complaint received 2019-12-05
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I used my Brand Source credit card to make a purchase on XX/XX/19 with a 48 month interest free payment plan. I did not realize that my online account was still set up on auto pay to deduct a {$220.00} payment, due to a previous purchase that had been paid off. I scheduled my calculated monthly payment for the interest free plan which was withdrawn from my account on the requested date, but the auto pay withdrawal also went through. When I contacted Brand Source they stated they would reverse the auto pay payment and refund my bank account for the withdrawn amount, which they did - but when they reversed the payment on the Brand Source account they created a separate Regular purchase, instead of putting the {$220.00} back into the 48 month interest free payment plan. So now my account is showing that I have a 48 month interest free payment plan and a {$220.00} regular purchase which is accumulating close to 30 % interest. I have contacted them multiple times regarding this and no one seems to understand what I am saying. My calculated monthly payment is now higher than planned due to the accruing interest on a regular purchase that I never made. I have already paid {$4.00} in interest due to their error and them not promptly correcting it.

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 2017-06-03
Company: American Credit Acceptance, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hi I am writing you this letter in regards to a collection account that appears on my credit report. The account that I am having concerns about is the American Credit Acceptance Account well first the account is reporting incorrect information as far as the balance on the account which is reporting that the balance is In the amount of {$13000.00} as of XX/XX/XXXX now the original amount of the debt was in the amount of {$6300.00} now with all of that being said back in back in XX/XX/XXXX of XX/XX/XXXX this particular item was disputed on all three of my credit report and was removed onXX/XX/XXXX. Just recently was checking the information on my credit report and I am noticing that the account with American Credit Acceptance was put back on my credit report and with an higher amount than the original amount without my knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: EQUIFAX, 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:
I received a copy of my credit report and found the following items to be in errors. The FCRA section 611 state if a consumer finds errors, inaccurate account or can not be verified on their credit report the credit reporting agency must remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: EQUIFAX, INC.
State: VA
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:
The amount of loans supercedes that in which I actually received. 
XXXX XXXX XXXX. 
The final

aid administrator fraudulently taken Ioans out using my personal information. I'm requesting all student loan debt be forgiven.

Company response to consumer: Closed with explanation