BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-11
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XXXX, XXXX XXXX I obtained a finance credit card with TD XXXX  Card Services for the purchase of a new XXXX XXXX XXXX, I traded my old XXXX XXXX with a credit of {$500.00} to be applied to my account with TD XXXX  Card Services along with the purchase of a new laptop my account balance would be {$1500.00}. 

As of XX/XX/XXXX, I had made {$1300.00} in payments for this account. As of XX/XX/XXXX my balance from the {$1500.00} after all of my payments made is {$1300.00}. When I inquired about the problems with the current balance I was informed that I had been overcharged by fees from XXXX. Therefore none of the payments I had made to reduce this balance would not be reflected. 

TD XXXX  has since put a claim against my credit, they refuse to correct the charges and credit my account. XXXX has denied they have over charged my account and I am being harassed on a daily basis by TD XXXX  Card Services for payment. 

I have contacted both XXXX and TD XXXX Card Services and each deny culpability in the billing errors on their part and I think that it is unfair that I keep trying to pay off a balance when none of the monies paid for this account are reflected. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: PNC Bank N.A.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/XXXX, XXXXMy husband was scammed and initiated a {$30000.00} wire from our joint PNC bank account to the criminals. Less than XXXX minutes after leaving the bank, he called PNC customer service to see if it could be stopped. PNC 's employee looked it up and told him that the wire had not gone through yet and the criminal 's account was also with PNC. He was told the criminal 's account would be immediately frozen so that the money could not be deposited and that it would automatically be returned to our account, but it might take up to XXXX business days. That never happened and the account remained over - $ XXXX. ( Please listen to that call. ) FROM XX/XX/XXXX through XXXX XXXX both called PNC myriad times to explain that the account only had XXXX in it at the time of the wire, but the scammers somehow made it look like they " accidentally '' wired the money to the account ( as in it showed up when he logged in ). Why would PNC allow a wire for $ XXXX from an account with only $ XXXX in it? We were referred to XXXX XXXX, who works for their wire fraud department. He could not have been more useless and was unreachable. I spoke to XXXX XXXX from wire fraud. I also talked to a lady who told me NOT make payments on the $ XXXX line of credit that PNC immediately moved into the scammed account as an overdraft because PNC told my husband it would be fixed the day it happened. She said she'd note it on her computer. XXXX closed ( purged ) all of our accounts with them. I can not be added to the account my husband opened at XXXX because I'm on some list and my credit rating has dropped from XXXX to awful.We are in collections with PNC. They say we owe them the $ XXXX line of credit plus interest and late fees AND we also lost the $ XXXX we had in that account. WHAT WE KNOWWe fully understand it is not PNC 's fault that my husband was scammed and he originated the wire transfer and are not asking about that. WHAT WE ARE ASKINGI want to find out PNC 's legal responsibility after their agent told my husband on a recorded line that the receiving account would be frozen and the money would be returned to our account within five business days. What steps were taken? Did they do their due diligence/follow up/follow the law/do ANYTHING? Do they have ANY accountability at all? Did they do everything in their power to stop the transfer? Did they act in bad faith? Were they in breach of their contract with us when their agent said we'd get the money returned and instead we are in collections? Listen to the recordings of all of our calls to PNC starting XX/XX/XXXX until PNC closed the account and explain to me how they are not responsible for ANY OF IT even though PNC 's own agent said the wire would be stopped. 

I'm only attaching the latest bill for our line of credit since PNC closed our accounts and everything was online.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
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:
After reviewing my credit report, I noticed items that are listed in the report are a result of identity theft. I mailed in my dispute/request to block these items, but this bureau refuses to block or delete this information despite support documents attached corroborating my dispute. I may have to sue this them if this does not work because I am victim of identity theft and this bureau is refusing to correct my report. They are playing games and I am XXXX about it. See my attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I would like the incorrect issue on my credit report removed showing a judgement as this was satisfied/paid in full a while ago. 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 explanation
Consumer complaint received 2016-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Trans Union is not responding to any of my requests to investigate and remove accounts from my credit file that do not belong to 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 2015-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Hello, I have a judgment appearing in the public records section of my credit report on TransUnion and XXXX. This item has been removed from my XXXX credit profile. My concern is that the date appearing on the item is different on my TransUnion and XXXX credit profiles. I 've disputed this a couple of times and never get a satisfactory response. I do not want this item to remain on my credit profile longer than it should be. At this time my dispute is not with the company that filed the judgment, but with XXXX and TransUnion for reflecting the wrong date. This judgment was filed against me in XX/XX/XXXX, so it should be up for removal in XX/XX/XXXX. I 've included a screenshot of what appears on my credit with all XXXX major Consumer Reporting Agencies, including how it reflected with XXXX prior to removal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I want trans union to take off the collections of XXXX. I have received my payment statement from XXXX. so therefore helvey and associates have just committed fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2021-11-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2021, my sister in law XXXX account got hacked and the scammer texted me to XXXX XXXX. I obviously thought it was my sister in law so i XXXX {$3500.00}. But when i met her the next day, then I found out her account was hacked. I called my bank right away but unfortunately they couldnt help me with the transaction. I filed the police report too.

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 2021-11-16
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt was settled with the originator and the collection agency will not pick up the phone to discuss removal of the debt from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been a victim of Identity Theft, and I am trying to dispute inaccurate items on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-19
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I purchased a clearance mattress from Mattress Firm, which they offered financing for. When I applied for this loan, I was under the impression, rightly or wrongly, that I was applying for an installment loan, or some other closed line of credit, but it was opened as a credit card with Synchrony Bank. I was never provided a Regulation CC disclosure during the process. The only indication I had that I had applied for a credit card was the receipt I signed, which stated 'Terms : This transaction is covered by your credit card agreement with Synchrony Bank . ' A credit card agreement I did not have access to. 
Had I had access to the terms of the credit card loan, I would have considered my other options. Having an open-ended loan affects my ability to access as much credit in the near future. When I spoke to the store manager, she told me 'Well if you close it now, it will hurt your credit more. ' The district manager was apologetic, but told I should have asked for those disclosures. It is not the responsibility of the consumer to request those mandatory disclosures, it is the lender 's.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-07
Company: Concentric Receivables Management, Ltd.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and noticed a collection from Concentric Receivable I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Concentric Receivable in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Experian called me, did not leave a message and will not tell me what they called about

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 2016-04-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been battleing to get a XXXX XXXX XXXX account removed from my credit report. It was tampered with while I was out of the country. XXXX XXXX XXXX charged it off and I filed everything with them but they did not do anything. Very frustrating. Attached is what I sent the credit bureau as a the most recent letter. They told me that it was " verified '' that it was my account even though the address was n't even mine. 

See attached documents to reference the process I went through. 

Thank you for your assistance

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 2015-10-26
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Placed judgement on my credit report, after I had them remove inaccurate information in collection, so they removed it as a collection and unlawfully placed it as a judgement. I was never notified I was being sued by anyone, requested paper showing court summons never received them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was surprised when reviewing my credit report and found a 30 day late payment reported for XX/XX/2021. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach 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 2017-12-26
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX, I disputed inaccuracies with the 3 Credit Bureaus, XXXX, Equifax, and XXXX, asking for validation of debt, upon the 30- day response limitation, the collection agency XXXX XXXX XXXX XXXX XXXX. sent a copy of my medical records, with a diagnosis of my injuries. I disputed with the 3 credit bureaus with a copy of the letter sent by the collection agency with a letter stating my HIPPA rights had been violated. The 3 credit bureaus did not respond. A letter dated XXXX XXXX, XXXX, was received of validation, from the collection agency XXXX XXXX XXXX XXXX. with another copy of my hospital visit with the diagnosis and also with the type of medication and dosage I was prescribed, and asking for a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I received a bill from XXXX XXXX for an account that I do not have with them. I called their fraud department to report this. I am filing a police report about this fraudulent account. My credit report shows that on XXXX/XXXX/15 that XXXX XXXX made a credit inquiry on me in order to open an account. I have contacted all XXXX credit bureaus and placed a fraud alert on my credit report for the next XXXX days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-16
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I am making a formal complaint about Midland Credit Management. I found my collection account online, which I do not deny. I have tried to pay and/or settle online and Midland Credit would not allow me to do so and a box popped up advising me to call them to settle. I called them twice. Once on XX/XX/2021 and again on XX/XX/2021. In both phone calls, I was told that I could not settle the account online or on the phone. Midland Credit is not working with me to come to a settlement agreement either by paying down debt or paying less than the current amount due to obtain a closed status on my credit report. This has caused a delay in my home purchase. I am in process of obtaining a home loan. Midland Credit is unwilling to remove account or settle account so I would like this account to be removed from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Hello, This complain is regarding Coinbase. I have over {$10000.00} cash that I have wired to my Coinbase account. They have indicated that they have accepted the wire and credited my USD wallet. I also have over {$8000.00} value of Litecoin and Bitcoin that I have purchased. Here 's the problem : I ca n't access any of it. They wo n't let me purchase more bitcoin. They wo n't let me take the money out. They wo n't let me do anything with it. They indicate ( via automatic notification ) they need to verify my identity. I have given them all the information they have asked for including a photo of my California Driver 's License. I requested help from support on XXXX XXXX, XXXX. No response from them other than an automated response that says " Due to increased volume it may take several days to receive a response. '' I have read  online on other forums that other people are having the same problem. They are n't getting a response after waiting weeks. I do n't have weeks to wait to use my own money. It 's not right that I ca n't access it as they claim I should be able to do. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I pulled my credit report and discovered these accounts as collections on my credit report. I sent a dispute requesting validation of my debt to you and all three bureaus., not validation of my address. I did not receive a response to what I have requested and was reported as meets the Fair Credit Reporting Requirements. I have included a copy of what I have sent to you and the Credit Bereaus. If you can not provide all of the information requested you are by law required to delete all entries off my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: Shellpoint Partners, LLC
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I called and agreed to a repayment plan for my XX/XX/2019 payment on XX/XX/2019. My XXXX mortgage payment was to be spread over the next 3 months with the current month 's payment. I followed all the instructions given to me, including signing the repayment plan document and returning it to Shellpoint on XX/XX/2019. I also set up automated payments to ensure that I am never late to pay the current monthly and payment plan payments. I have been reported as 30 days late to all 3 major credit bureaus and I was told by the representative who set up the repayment plan, this would not occur due to the repayment plan activation. The required payment plan documents were signed and returned to Shellpoint on XX/XX/2019. The agreement stated to have the document signed and received by Shellpoint before XX/XX/2019, and according to the Shellpoint Customer Service team, the signed documents were received on XX/XX/2019. A Week later, I had to call to verify that the documents were received and ask that the payment plan be updated to reflect my new mortgage payment amount from the new escrow analysis I received. My mortgage payment was lowered beginning XX/XX/2019 due to the escrow analysis, therefore the payment amounts listed on the payment plan had to be adjusted to reflect lower amount. I spoke with a representative from Shellpoint regarding the update payment plan amounts and they also ensured me Id be in no danger of a 30 days late or negative remark being placed on my credit reports. I received a 30 days late remark on XX/XX/2019 on all 3 of my credit reports. I called and spoke with the Shellpoint Customer service team yet again, and they instructed me to email my concerns to XXXX, to have this issue corrected. I have emailed XXXX 2 times and I have not received a response.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation