BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-17
Company: Experian Information Solutions Inc.
State: MI
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:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX  has violated my rights .

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.

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 2017-09-05
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XXXX XXXX 2017 - I wired a balance of {$3000.00} from my CoinBase/XXXX Account to my XXXX XXXX Checkings account. The transfer is labeled as completed however my transfer never came in. 

XXXX XXXX is not responsible as the transaction has not been initiated. The funds remain under XXXX XXXX however the transaction is shown as complete. 

I 've emailed support.coinbase XXXX different times. I have opened cases with them and it 's been XXXX business days and I have not heard back. I also opened a twitter account to direct message them about the issue and I 've been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I sent two postal money orders to bank of America, but the money orders did not show up on my deposit statement. ( 2 ) I sent them a XXXX money order and they sent it back because they told me they are any good to their business. My car was repossessed but the week before they pick up my car I called bank of America to make sure my payments were up to date and I was told everything was fine. I had receipts for the deposits I had sent and showed them to the reposessor and to bank of America but they did not accept them and my car was towed away. I have been having trouble with this particular bank for the last 2 months. Its as if they are targeting my account with employees or the money order got lost in the mail. Three money orders at different dates and times should not have been lost but it is possible. If it was up to me and they are guilty of negligence, I would have bank of America pay the total cost of the car I was paying for and money for damages. I hope I have written in time to keep others from having the same problem.

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 2022-07-17
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: Account information incorrect

Complaint:
On XX/XX/XXXX I wrote a letter to all three credit bureaus informing each of them that the information on my credit report related to Account XXXX is not accurate and their reporting was erroneous and harming my credit file. They have failed to respond to my request or provide any documentation confirming that they have truly validated/verified this information within the allotted 30 days and as of today the information for this account is still incorrect. 

I am not able to determine if this is my account due to the inconsistent, incomplete, and inaccurate information : 1 ) Name : XXXXXXXX XXXX XXXX XXXX Account : XXXX High Balance : $ XXXX {$13000.00} Date of Last Activity : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Date Opened : XX/XX/XXXX, XX/XX/XXXX Dispute Status : This account has been disputed with all bureaus, but not reporting Creditor Remarks : Inconsistent across all three bureaus Last Payment : XX/XX/XXXX, XX/XX/XXXX Past Due : {$15000.00}, can not report a past due balance on a charge-off The above entry is inaccurate because nearly every entry in this account record is inconsistently being reported with no proof of validation after numerous requests to ALL credit bureaus. Your blatantly improper procedures are highly damaging to my credit score. Please immediately delete this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have a signed contract nor any contract with PHOENIX FINANCIAL SERVICES LLC. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX. I am not responsible for this debt with PHOENIX FINANCIAL SERVICES LLC. 

Also per State of Florida XXXX XXXX XXXX XXXX you must be licensed and bonded in the state of Florida to collect. 

Please see attachment showing this company is not licensed nor bonded in Florida.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: Franklin Financial  Corporation
State: WI
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:
Franklin Financial reported my account was closed to the Credit Bureau, but it was never closed I was still making payment, and the Finance Company was making reports when ever I was at least 30 days late. Also, the amount they said I owed was never updated. Now I paid it off in full, but it still is saying I owe, but I paid it off in full as of to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: Receivables Management Partners, LLC
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have written this company because i never received a dunning letter. I sent out on XX/XX/18and one on XX/XX/XXXX. They have not written me back on my account that is hurting my credit score. Please see attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: Navient Solutions, LLC.
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Entered into income-based Repayment plan InXX/XX/2011. I was working for XXXX XXXX XXXX so the employer was proper. Last year Navient realized that since I was in the public service loan forgiveness program my loans should be switched to XXXX. My loans were switched. I am not getting credit for any of my payments To Navient. They can not explain to me why. I have submitted requests for review on four separate occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Consumer Finance, On a recent review of my credit report, I discovered XXXX XXXX XXXX XXXX reporting the collection account referenced herein. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. 

I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the XXXX XXXX  Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: MOHELA
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have been making student loan payments dating back to the late XXXX 's. I retired in XXXX and have requested documentation of my student loan payments made to XXXX XXXX XXXX XXXX dating back to that time. I believe I started loan payments at least in XXXX, after I received my XXXX XXXX from XXXX. XXXX. However, my current loan holder, Mohela will not allow me access to the documentation of these payments without a " specific reason '' - as indicated in an email string ( attached page 2 of 3 dated XXXX ). Since student loans have a time factor ( years in payment ) - I need to know how many years I have been in payment status of these loans. I have been requesting this information from Mohela since XX/XX/XXXXand to date, have only received copies of my student loan payments made to Mohela ( attached documents received on XX/XX/XXXX ) and not XXXX XXXX. Additionally, they have indicated that my student loans have only been in payment to them since XXXX ( see attached page 3 of 3 in the email string dated XXXX ) ). I have been paying on these student loans for decades but can not get Mohela to release these payment records to me. I hope you can help facilitate this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
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: Public record information inaccurate

Complaint:
Consumer Finance, On a recent review of my credit report, I discovered XXXX XXXX XXXX XXXX reporting the collection account referenced herein. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt.

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein.

I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the XXXX XXXX Office.

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 2022-07-17
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Chase stated they did not receive authorization from me for XXXX XXXX to handle fraudulent charges on my grandsons account ( ending XXXX ). XXXX from executive office advised me that she mailed and emailed me the form. I usually receive email and mail correspondence from Chase, however I never received the promised form from XXXX. Please make XXXX provide proof that she emailed me the form. Please assist me in getting the form. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Consumer Finance, On a recent review of my credit report, I discovered XXXX XXXX XXXX XXXX reporting the collection account referenced herein. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt.

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein.

I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the XXXX XXXX Office.

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 2017-09-05
Company: CITIBANK, N.A.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Summary - All my credit cards went to Past Due/ Charge Off/Closed/ Collection statuses for no fault of mine.I never had any derogatory marks on my credit score/history in the past but, unfortunately in the past couple months everything changed and started receiving collection notices. 
One of the company named " XXXX XXXX XXXX '' approved me a special purpose loan and promised in the agreement that they will take care of all the credit card debt I owe to the banks.As per the agreement I have to pay " XXXX XXXX '' a low fixed interest rate for all the debt I owe to creditors. ( The payment includes the total Credit Debt $ + Lower interest rate ). 
I was asked NOT TO PAY a single Penny to credit card companies from the day I signed the agreement with XXXX XXXX XXXX as they are taking ownership of the debt. 
Once I signed the agreement I started paying XXXX $ + to this company every month from XX/XX/XXXX. I did make the payments to this company for almost a year but, it never paid a single penny to the creditors. I did follow up with the company asking the status and I was always told that the debt validation is in progress and takes some time. Recently, the company was sued for fraudulent claims and promises and all the website info, contacts no longer exists. I have no clue whom to contact and how to get this resolved. 
https : XXXX For all this time as the company " XXXX XXXX XXXX XXXX never made any payments to the creditors, creditors started reporting it to credit bureaus and now all my accounts are in collection phase. I called the banks/creditors and tried explaining the situation but, they said they have no alternatives except the collection of the " DEBT ''. 
This made me go into financial crisis. I have no clue what to do and how to proceed. 

All this happened for no fault of mine. I want all the collection notices, derogatory marks on my credit report to be taken off. I even disputed the credit reports with all the credit bureaus but, no good happened everything was same and no changes made. 

If I am required to pay the debt to creditors, I want to wait till the final hearing of the case. I also need the Banks to provide me enough time to pay the debt off considering the total debt/total credit cards. 
I also request the Creditors/Banks to take off all the interest, fees and fines added on and after XX/XX/XXXX I do n't want to get any more collection notices/legal actions on me from any of these creditors.As, it was no fault of mine. 
CITI BANK ( 3 Credit Cards )

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 2022-07-17
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Consumer Finance, On a recent review of my credit report, I discovered XXXX XXXX XXXX reporting the collection account referenced herein. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account.

You are only to contact me via mail at the address I have provided herein.

I am allowing you a period of 30 days to produce this information.

If youre unable to validate the account, then you are to remove the collection account from my credit reports.

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the XXXX XXXX Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been unable to access my Barclays online accounts despite entering in correct log-in information, including their one time PIN codes. I have tried to resolve the issue with Barclays but ended up on hold and no one picked up. I am not able to access my accounts or speak with them.

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 2017-04-17
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX    XXXX   I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-17
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Consumer Finance, On a recent review of my credit report, I discovered XXXX XXXX XXXX reporting the collection account referenced herein. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account.

You are only to contact me via mail at the address I have provided herein.

I am allowing you a period of 30 days to produce this information.

If youre unable to validate the account, then you are to remove the collection account from my credit reports.

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the XXXX XXXX  Office.

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