BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 found several name and addresses on my credit report that do not belong to me. I have recently filed a FTC and XXXX Police Dept Report. My full name is XXXX XXXX XXXX please delete any and all variations of my name THEY ARE NOT ACCURATE. My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I AM A VICTIM ON ID THEFT. THE FOLLOWING ADDRESSES ARE NOT MINE PLEASE DELETE THE FRAUDULENT ADDRESSES : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have phones numbers that are not mine showing as well please delete this unknown phone numbers ( 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 explanation
Consumer complaint received 2020-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$950.00}, {$1100.00}, {$2100.00}, {$0.00}, {$450.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$950.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$450.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: Messerli & Kramer P.A.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
My employer recently contacted me about a garnishment from a debt collector from a debt in 2008. I was never contacted about this, its 12 years old

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
i have a list on 3 companies that are reporting the same debt on my credit report and its affecting my score. the companies are. Central Finance control, Syndicated office systems and XXXX. they all say I owe to XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There 's a public record on my report I already made payments on this so I do n't understand why it 's there when I call they said I have to dispute 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 explanation
Consumer complaint received 2020-12-31
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was shopping on XXXX. At checkout, PayPal offered credit to pay for my purchase with no interest if paid within 6 months. I applied and was given a credit line of {$3400.00}. My credit was ran by PayPal for this credit line to be offered. Upon checkout, I was not able to use the credit line from PayPal. I contacted an agent who said I needed to link my checking account and banking card. I followed the instructions and was still not able to use the credit line. I tried using it at a different vendor, and despite that vendor accepting PayPal credit, I was not able to use it once again. Every agent I speak with gives different answers but there is no resolution. I went to their public forum and there are hundreds of PayPal credit holders who have had the same issue dating back to 2016. I dont understand how PayPal is able to run credit checks for approvals but not allow customers to use any part of the credit line. This bait and switch tactic needs to end.

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 2016-02-15
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
I am filing this complaint against TD Auto Finance regarding a TD Auto Finance account that was charged off. I originally filed a dispute with Equifax regarding the date of first deliquency that was inaccurate on my XXXX credit file in XXXX XXXX. I disputed this 3 times with XXXX. The first results came back from charged off to " Pays as agreed ''. Confirmation # XXXX. It actually states date of last payment in XXXX XXXX. I disputed again requesting the date of first deliquency and the results came back as charged off again. I then called TD Auto Finance myself and they told me they are unable to tell me the date of first deliquency because their records do not go that far back. I again disputed with XXXX and the results returned back to " Pays as agreed ''. I looked at my XXXX credit report almost two weeks ago and XXXX has now reinserted charge off status. They never informed me in writing of the reinsertion. Now on my XXXX file this account shows in the 81 month payment history that the account was charged off XX/XX/XXXX, it clearly shows in the payment history that in XXXX XXXX there is a 60 day late. The line item section of the report states date of first deliquency was XXXX XXXX, but charged off XXXX XXXX. Makes no sense and is inaccurate. I called TD AUTO a second time and refused to help me. XXXX is blaming TD Auto even though it 's clear the information is inaccurate and refuses to delete even though it has passed time to fall off the reporting. XXXX reinserted a charge off status and never informed me of doing so. XXXX and TD Auto must delete this from XXXX immediately. See attahment regarding this very serious issue. In conclusion The date of first deliquency is infact in XXXX XXXX and was actually charged off XXXX XXXX ( See Attachment ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Equifax. Have initiated XXXX disputes to try to correct my name and birthdate. 
They ca n't seem to get it right. Sent over photos of my drivers license and social security car. 
I do n't know what else to do, XXXX disputes, XXXX phone calls - what other options can I do to have them correct this information?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
As of today, XXXX XXXX, XX/XX/2015 I have XXXX inquires that I " DID NOT '' initiate. The inquiries are on all XXXX credit bureaus reports. I have not applied for any credit since XX/XX/XXXX My credit reports should be free of inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In XXXX 2013 The United States Bankruptcy Court - XXXX District of Florida had sent docs for a Chapter XXXX Discharge of Joint debtors for both : my self and my husband to all creditors involved.I have attempted to contact the companies many times to have our credit information to be updated. OUR Equifax reports has STILL not been corrected! I have also filed COUNTLESS disputes WITH EQUIFAX only to have them DENIED by YOUR company and my credit score impacted further- this is in VIOLATION of the bankruptcy of the Bankruptcy court discharge! This needs to be corrected ASAP! - I want this backdated to XXXX of 2013 for the correction as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days. I filed a 30 days demand to comply with the credit bureaus and still have yet to receive a responds.

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 2020-03-11
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:
First sent all information to all three credit bureaus in XX/XX/2019 to correct errors on credit reports. Credit reporting companies never fixed problems or gave updated credit reports to me or my wife. Can't correct problems if the credit bureaus don't co-operate with federal laws.

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 2022-03-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
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 not been supplied proof per doctrine of estoppel by silence. Engelhardt V. Gravens ( mo ) 281 SW 715,719. I presume no evidence of the Alleged Debt therefore exists. This account remains on my credit file but needs to be removed at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX foreclosure status since XX/XX/2010 The bank JP Morgan Chase , NA XXXX XXXX XXXX, XXXX, NJ XXXX has failed to foreclosure and failed to maintain the property. The XXXX XXXX XXXX XXXX XXXX would request that the bank complete the foreclosure process and maintain this property unit a new owner purchases this residence. The " zombie home '' decreases property values within the community and causes hardship for homeowners who wish to sell or refinance their homes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: EQUIFAX, INC.
State: NC
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 THE 3RD TIME I HAVE HAD TO FILE THIS COMPLAINT. I WAS IN OHIO I SEEN THAT SOMEONE HAS ACCESS MY PERSONAL CREDIT FILES AND I HAD LOST MY ID A WHILE AGO. I WANT TO PROTECT MY CREDIT FILE AS MUCH AS I CAN. SOMEONE IN XXXX OH HAS BEEN USING MY NAME A SS CARD NUMBER TO APPLY I REQUESTED SEVERAL LEGAL DOCUMENTS AND HAVE NOT RECEIVED ANYTHING FROM XXXX XXXX XXXX. I AM A VICTIM OF FRAUD. I PULLED MY CREDIT REPORT AND FOUND SEVERAL ACCOUNTS ON MY REPORT THAT DO NOT BELONG TO ME. THE AC-COUNTS LISTED BELOW DO NOT BELONG TO ME : XXXX XXXX XXXX  XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21
Company: The Phoenix Recovery Group
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Phoenix Recovery Group which is not registered in the state of Florida to collect debt which is a violation " The FCCPA requires all debt collectors, including those located out-of-state, to be registered with the State of Florida. Only debt collectors are required to register. '' I contacted the company several times and I am also in the middle of disputing this with the credit bureau. This company that is not even registered in the state of Florida to collect debts, which is a violation. Is trying to collect a debt that is not mine. I have told them countless times and provided documents that the credit bureau sent over and they still try and say that this is my debt when it is not. I do not owe XXXX XXXX XXXX XXXX. I owe XXXX dollars. They have been sent the intent to vacate letter that was signed by the apartment complex and show my balance as XXXX. This is very frustrating dealing with them and rude staff. I have let them take advantage long enough, They told me on a recorded call, " just send over the intent to vacate letter showing no balance at move out and we will remove this from your credit report. '' That was a lie! they still have not done so! I verified on XXXX XXXX XXXX that they are not registered. Not only are they harassing me about a debt that is not mine they have not right to even collect debts period in Florida!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: KLS Financial Services, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have tried on numerous occasions to have this collection removed from XXXX and it has been removed from all the other 2 bureaus ( XXXX and XXXX ) months ago. The Collection is from KLS Financial- Fastpace Tennessee for {$130.00}. I have come to discover that this debt is also Under 15 US Code 1681a ( 3 ) this medical collection is in violation and cant be on my credit report. It is a HIPPA Violation and I NEED THIS TO BE REMOVED 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 2016-05-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX XXXX I have asked for your company to validated and verify the account with the following information 1. The contract with my signature that gives me the companies the right to report to my credit file. Your company is now in Breach of the FCRA for failing to provided information from a valid account. 
2. A full payment ledger showing a payment ledger. 
3. Proof the company has the right to report anyway their contract with you I have a legal right to see it and also the dispute history from this company with you. 
4. I have the right to see the proof they provided to you. If you do n't provide the proof that they can report to my credit I will sue you for it. 



Your company needs to provide me with what makes you think that this company able to report to my credit you have not because you can not or you do n't know.

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 2023-04-14
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
I sent XXXX $ in XXXX via Coinbase and instead the website showed that it sent the entire balance of my XXXX wallet which is {$15000.00} to another address. 
1. the confirmation web widget showed a balance in XXXX XXXX which is abnormal since it showed a transaction in XXXX XXXX 
2. I received no email confirmation which is also abnormal since the account was setup to send confirmations. 
Both 1 and 2 point to a problem originating from Coinbase servers. 

Contacted multiple times with these proofs, coinbase refused to : a. reimburse the faulty transaction b. show web log of the transaction c. answer why I didn't receive an email confirmation d. answer why the web widget showed a balance in XXXX for a transaction in XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-31
Company: Mr. Cooper Group Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX  XXXX approved a temporary forbearance for my mortgage loan payments on my property located at XXXX XXXX XXXX XXXX, CA XXXX. The forebearance agreement set my mortgage obligation as {$0.00} beginning on XX/XX/2020 and ending on XX/XX/2020. My payments were to resume on XX/XX/2020. My loan servicer is Nationstar Mortgage LLC d/b/a Mr.Cooper. On XX/XX/2020, I attempted to make my mortgage payment online through Mr. Cooper 's website. The website would not accept my payment because the system was recognizing my payment as being 3 months delinquent, and, therefore, automatically rejected my payment. Therefore, I called Mr. Cooper 's customer service department and informed them of my problem on the website and was told that I needed to contact XXXX and have XXXX contact Mr. Cooper and authorize Mr. Cooper to accept my mortgage payment. On approximately XX/XX/2020 I contacted XXXX. The XXXX representative said there would be authorization for payment acceptance put in the notes which would enable Mr. Cooper to accept my payment. On XX/XX/2020, Mr. Cooper accepted my regularly scheduled payment per XXXX 's direction. In XXXX, Mr. Cooper 's would not accept my regularly scheduled payment ; therefore, on XX/XX/2020, I submitted 3 payments of {$4200.00}. On XX/XX/2020, XXXX  XXXX contacted Mr. Cooper for payment history and was told that I had 3 thirty day late payments. XXXX XXXX, my point of contact at XXXX, told me on XX/XX/2020 that payments deferred due to forebearance are not reported as late payments to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I got my credit report because I was thinking of purchasing a home for my mom, and when I got it I notice inaccurate accounts, I immediately filed a dispute with the XXXX major bureaus, XXXX Equifax and XXXX. I listed the accounts I had a problem with. 
1.XXXX- I explained that the account number they had on file was not my account number and my account was paid off through an insurance claim where the vehicle was totaled, I gave them my account number and the claim number of the settlement, the only agency that removed it was XXXX, the other XXXX have refused and has allowed the data furnisher to update it so it remains on my report till XX/XX/XXXX, this is an account that is almost 10 years old. 2.A collection agency by the name of XXXX/XXXX same people I was in a XXXX in XX/XX/XXXX, I sued the trucking company who hit us, I gave the hospitals name and their bill to my lawyer two weeks after accident, mailed in the bill with the insurance from the trucking company they still turned it over to a collection agency who then placed it on my credit all ( XXXX ) on XX/XX/XXXX XXXX months after the accident I kept sending in the paperwork from my attorney and contacting them that an agreement was reached with the hospital and my attorney to pay upon settlement, no one listen it 's still there and when it was paid by my attorney in XX/XX/XXXX they updated it as paid but it was never suppose to be a collection, when an agreement was met between the parties to pay when the case was finalized. There are several other items that are being reported wrong on my credit report but I 'm tired and beat up from a constant battle for the last few months, against data furnishers that do n't report accurate information and the credit bureaus act like we consumers are always wrong and never look further into the issues, but allow this to go on. It seems as though consumers get the short end of the stick because we don'y pay for the service like the the creditors do.

Company response to consumer: Closed with explanation