BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-06
Company: Professional Debt Mediation, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I recently had a rather unfortunate occurrence with my ex property manager   XXXX   XXXX  .
After little to no communication from her for months, I went to talk with her about a debt she filed mid month, and expected paid within two days for threat of penalty. The conversation went poorly and ended with her threatening to kick me out and telling me she wanted me out by the end of the month.
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My roommate at the time had already left, and signed a paper breaking the lease.
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I proceeded to move out and believed the situation to be done.
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Fast forward two months and I receive a letter from a debt collection for close to {$5000.00} dollars. She is claiming that I never presented proper two months notice and a few other charges. When I went to review the documents she presented to the collector I noticed she had conveniently left out the paper terminating our contract.
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I have attached below the two only two documents she filed.
( Notice she only filed against me ) So yeah, thats my super annoying problem.
I just want to be rid of this.
I want to go to college and learn in peace.

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 2022-04-07
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: Information belongs to someone else

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-04-07
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: Information belongs to someone else

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: Coinbase, Inc.
State: MT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I lost access to an email account that I used to sign up for Coinbase some years ago. I remembered the username and password and when I login, it gives me a two-factor authentication request that wants to confirm my email address. I don't have access to that email so I can not confirm. Coinbase has a support article which states they are able to help people who had lost access to their previous accounts ( https : XXXX ). I followed the process they outlined including creating a new account with a new email address and verifying my identity by uploading my California State Drivers License and a photo of myself. I also emailed them to let them know I went through their requested process for recovering accounts that you no longer have access to the email that you created them with. It took about a month and a half for someone to get back to me. A person named XXXX emailed me and said there was nothing they could do. I pointed them to the support article and pressed her to help me. She sent me another email with clarifying questions about my account. I responded with answers. I just received an email saying, again, that Coinbase can't help people recover their accounts despite their own policy posted clearly on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After obtaining my credit report I found an debt from a company. I was in Prison and I was a victim of identity theft. there was know I could have done this. I was incarcerated from XX/XX/XXXX until XX/XX/XXXX. 

please remove this as it is hindering me in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The credit reporting agency Transunion is reporting an unverifiable account with   XXXX   XXXX   XXXX   on my credit report as a Deed in lieu

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 2019-12-09
Company: TD BANK US HOLDING COMPANY
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: Problem with personal statement of dispute

Complaint:
I have a target card. 
Problem 1 : After 2 months of having the account with target. I INFORMED THE TEAM MEMBER THAT I DONT GET MY MAIL ON TIME AND I HAVE A BUSY LIFE INPAY EVER BILL ON THE XXXX .... 
ID LIKE TO PAY EVERY MONTH ON THE XXXX AND WANTED TO KNOW IF IT WOULD BE CONSIDERED LATE. 

SHE SAID NO I WOULD BE FINE. 

Moving forward. I paid every month on the XXXX ... then in would see late fees. I would call in and tell them what I was told they would just waive the fee.. 

AT NO POINT DID ANOTHER TEAM MEMBER TELL ME NO YOU CANT PAY IT EVERY MONTH ON THE XXXX ITS LATE. 
OR YOU CAN CHANGE THE DUE DATE NOT UNTILL I SPOKE TO THE SUPERVISOR ON THE XXXX OF XXXX SHE REVIWED ..

AND INFORMED ME I HAVE LIKE 4 LATES THIS UPSETS ME WHAT WAS SO HARD ABOUT TELLING ME I in good faith paid my bill on the XXXX of every month ... I pay all my credit cards on that day. 
Not one person made it clear I wasnt doing it right untill recent. 


Problem 2 : A few months ago I had a prepaid card that I got my work pay check on. 
I used the prepay card to make 4 credit card payments. 
I had the funds in the account. 
The payments begin to be sent back. Because the prepaid card had a policy that you can use it as a point of sale but not to make payments. 
This was a simple mistake. 
I called target BEFORE the payment was sent back. 
BEFORE.. 
I ASKED WHAT I CAN DO .. I DONT WANT A RETUNED PAYMENT OR PENALTY.. 
THEY SAID JUST WAIT ... 

NOW EVERY MONTH WHEN I PAY MY CASH PAYMENT I NEED TO WAIT ALMOST 2 WEEKS TO RECEIVE THE AVAILABLE CREDIT. 

IM BEING PUNISHED FOR A ONE TIME ISSUE .. THAT I TRIED TO RESOLVE BEFORE IT BECAME AN ISSUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I submitted a dispute letter regarding a late payment on XX/XX/2020. I then followed up with another letter XX/XX/2020 because I didn't recieve a response. To my knowledge, the company has 30 to 45 days to respond to my dispute. They are in clear violation of the fair credit reporting act. I understand that we are in difficult times but this account has to be corrected.

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 2017-06-06
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Nelnet keeps sending me increasingly aggressive and threatening emails. The last of them, on Thursday, XX/XX/XXXX, states : " [ ... ] continued delinquent reporting, to the national credit reporting agencies. Legal action, including property liens and wage garnishment. Default and the obligation to repay your student loans ( sic ) in full to a collection agency. '' Nelnet has altered, doctored, manipulated my loan repayment plan. They suggest that I am behind in payments after having first placed my loan in forbearance of which I did not request. Thus, instead of the income contingent repayment plan, which I would not be required to make payments, forbearance set me behind in number of years remaining before my loans can be forgiven. Additionally, Nelnet has an extraordinary amount of documentation that I have been sending to them for many years. Nelnet has my official social security yearly forms without interruption at least from XX/XX/XXXX and many others documents, such as the ones proven I 'm receiving EBT ( " food stamps '' ). Nelnet knows as well that my monthly Social Security check is for {$260.00} and they know that my yearly income they have the forms showing it, for I sent them to Nelnet with religious punctuality is less than {$4000.00}. Which means, unequivocally, that I 'm living much lower than the Federal " poverty line ''. Nelnet knows as well that I live in a XXXX XXXX XXXX XXXX for senior citizens with very low income. Nelnet knows also that I 'm XXXX years old, and, therefore they are harassing and abusing an elderly person. Is Nelnet going too garnish the {$260.00} dollar a month of my Social Security ; is Nelnet going to put a " lien '' on my food stamps or perhaps on monthly S.S check?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: EQUIFAX, INC.
State: GA
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:
Please delete these inquiries from my credit profile as they do not belong to me and are fraud. 

XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: Receivables Performance Management, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
this company is harassing me about a debt that i do not owe. I tried to contact the original company to have it remove but the debt was sold to a third party and i was also mistreated and misdirected in the entire situation. I do not owe this debt because i have never had a XXXX service of any sort. The fcra and the fdcpa both state that a third party collection agency must be able to present documents to verify anything that they are reporting on a persons credit report and failure to do so could result in fines and penalties in which i will seek for the damages this is doing to my credit reports and my scores. This company must have a copy of an identification card as well as a copy of a ssn card and a purchase receipt to show the exact item or service that i am being accused of buying and a signed original contract with my signature and XXXX  agreeing to any debt to be paid etc or i will seek compensation for the problems this is causing in my life. This company is also very rude i tried to contact them but i was hung up on by an employee and that just made the situion even worst in my opinion because not only are they forcing unowed debts on me but they are disrespectful at the same time

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 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
On XX/XX/22 I sent a letter regarding inaccurate and unknown things on my consumer report. To this day over 60 days later has not been rectified. I feel like I am being take advantage of at this point being the original creditor and my disputes not being recognized by consumer laws. Section 611 ( a ), it is plainly stated that a failure to investigate these items within thirty days so they should be deleted promptly. I demand the referenced accounts be deleted from my consumer report immediately or I will file for litigation due to the stress that has been caused. My information has also been impacted by the major credit bureaus and may have gotten into the hands of the wrong person. Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 my credit report to find  XXXX  also listed as  XXXX   XXXX , tire dealers listed as a hard inquire on my report.  XXXX   XXXX  has  XXXX  location in the United States.  XXXX  is in  XXXX , ME. I live in the  Midwest  and have never been to Maine. I do not conduct business with tire dealerships, I pay cash for tires and would not open a credit account to purchase tires and if I did it would not be in  XXXX , ME

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 2022-07-20
Company: EQUIFAX, INC.
State: PA
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 Fair Credit Reporting Act XXXX  Account # XXXX XXXX  XXXX Account # XXXX XXXX  Account # XXXX. XXXX Account # XXXX. XXXX Account # XXXX. XXXX XXXX Account # 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 Section604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX, we requested a refund from Capital One for an extra payment ( {$1200.00} ) we submitted two days prior on XX/XX/XXXX. On XX/XX/XXXX, Capital One added a payment adjustment to our credit card transaction history, it shows up as PAYMENT ADJUSTMENT in the transaction history. But, this refund was never sent, in fact it was cancelled. However, The PAYMENT ADJUSTMENT still shows on our account on XX/XX/XXXX, so our account balance is {$1200.00} higher than it should be. In the past month and a half we have spent nearly 17 hours on the phone with Capital One trying to work through this and ultimately get our money back. We have been told multiple times by different reps that Capital One does owe us money. We even did a three way call with a Capital One rep and a XXXX XXXX  rep ( the bank that we make payments from ), and the XXXX XXXX  rep confirmed that we were missing a refund. We have opened price investigations, asked Capital One reps to call us back with updates, asked them to email us, but we never get anything. All price investigations ( three total ) have been closed without any action by Capital One. The Capital One reps have never once called us back, and have never once emailed us back. We have to constantly call back in to get an update.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-06
Company: Bass & Associates, P.C., Attorneys at Law
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Spoke XXXX # XXXX, XXXX XXXX was consolidated XXXX XXXX 2004, and they are not going to stop reporting even the account is closed and the statue of reporting which I was previously advised is 10 years, This is hurting me really bad on my credit and I do not have a contract with Bass and Assoc since they are saying that 's who they sold my loans to, so the Bass and Assoc is adding monthly fees to make it look my loans are current when in fact they are 14yrs old. Can you please get XXXX to stop reporting a closed account? This is a violation from the statue of 10yrs and it 's looking like my loans are new when it 's from 2004. Can you please help me get them to stop reporting charges onto my closed acount? They do not need to delete just stop adding new balances PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
this company is harassing me about a debt that i do not owe. I tried to contact the original company to have it remove but the debt was sold to a third party and i was also mistreated and misdirected in the entire situation. I do not owe this debt because i have never had a XXXX service of any sort. The fcra and the fdcpa both state that a third party collection agency must be able to present documents to verify anything that they are reporting on a persons credit report and failure to do so could result in fines and penalties in which i will seek for the damages this is doing to my credit reports and my scores. This company must have a copy of an identification card as well as a copy of a ssn card and a purchase receipt to show the exact item or service that i am being accused of buying and a signed original contract with my signature and tmobile agreeing to any debt to be paid etc or i will seek compensation for the problems this is causing in my life. This company is also very rude i tried to contact them but i was hung up on by an employee and that just made the situion even worst in my opinion because not only are they forcing unowed debts on me but they are disrespectful at the same time

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: U.S. BANCORP
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
RE-INSERT ALL ACCOUNTS BACK ONTO MY XXXX OR DISCHARGE ALL DEBT VIA XXXX AND CEASE ALL CREDIT REPORTING OR BE SUED. FURNISH LETTER FROM XXXX, WHY?

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 2021-11-14
Company: EQUIFAX, INC.
State: DE
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:
As being a victim of identity theft. I have repeatedly sent all files and documents to EQUIFAX and XXXX. These companies will not follow cfpb guidelines for all identity theft cases. It has been 120 days and they will not remove all accounts that was opened fraudulent in my name! I have sent everything they needed to prove my case. Under your code of 605B " BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT [ 15 U.S.C <1681 c-2 ] theses companies are not following this rule.

Company response to consumer: Closed with explanation