BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-06-20
Company: Park Hill Holdings
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I like to order a full Core Logic report, I believe there is some misinformation on my credit report and I want to see everything that is on my report please.

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 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and no response, this is now affecting my business and me trying to scale my business with XXXX Also its preventing me from buying my home. The accounts XXXX XXXX, XXXX and XXXX XXXX XXXX is fraudulent including the address are incorrect

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-27
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
This incident occurred around XXXX XXXX  ET XXXX XX/XX/2021 XXXX. I checked my balance on Coinbase, and I found out that my $ XXXX available fund became {$70.00}. Then I checked the recent transaction history, and it showed that somebody converted my investment to Bitcoin and sent it out 2 times in $ XXXX and $ XXXX. I immediately locked my account and submitted a ticket to Coinbase customer service. I scanned for viruses and found 0 viruses. I used a two-step verification for security purposes, and somebody was able to get the verification code.

The question is why did Coinbase approve 2 withdrawals worth more than {$6500.00} initiated from a different IP address that was never used, not frequently used, or the IP address had not been used for over a period of time for trading or other purposes by the account holder without verifying the account holder 's IDs and a selfie? This is serious security negligence and lack of common sense. There's something worth mentioning : the hacker was also able to sign in to my XXXX online banking account, but XXXX stopped it when the hacker tried to send the money out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: EQUIFAX, 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:
I disputed several times with the agency XXXX XXXX XXXX XXXX Reporting inaccurate information to the Credit Reporting Agency. I also disputed with my claim with Equifax, stating my claim is disputed and requesting validation of the debt in paticular " FIRST DATE OF DELINQUENCY '' XXXX XXXX XXXX XXXX  " Charge off account '' balance {$17000.00} became delinquent in 2014, account was not brought current. This account should be removed from my XXXX Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
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: Personal information incorrect

Complaint:
I have repeatedly attempted to have these hard inquiries removed ; there is no actual signature or proof of identity such as drivers license, they are not attached to an active/open credit account or firm offer of credit and are listed as unspecified, XXXX XXXX XXXX  ( XX/XX/XXXX ) ; XXXX XXXX ( XX/XX/XXXX ) ; XXXX XXXX  XXXX  ( XX/XX/XXXX ) XXXX  XXXX  ( XX/XX/XXXX ) ; XXXX/XXXX  ( XX/XX/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 2022-03-18
Company: AES/PHEAA
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 status incorrect

Complaint:
AES / XXXX or XXXX was removed/deleted from my XXXX and XXXX credit report because of inaccurate reporting. They were using the name PHEAA before being removed on XX/XX/XXXX. XXXX allow the company to change the name to AESXXXX and continue to report negatively on my credit report. 

I have spoken to the company several times and they have indicated they are not reporting this information. However, it remains on my credit report for XXXX under a name I never done business with. 

XXXX XXXX  XXXX has reported I owe {$690.00} for an account open XX/XX/XXXX. Currently, its reporting negatively as of XX/XX/XXXX. I have ask for documents from this company with my signature or information they not sent me anything proven this is my debt. 
They are a collection agency reporting on my XXXX credit report. Upon disputing it with them and XXXX they are unable to prove its my debt. 

XXXX XXXX XXXX XXXX is reporting a hard inquiry dating back to XX/XX/XXXX. I never had any dealing with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have citi bank thank you premier credit card. Aft er one year charged me annual fee of {$95.00}. I am asking them to waive it and downgrade the card  so that I do not have to pay annual fee. They are saying it has to be within 30 days. I have not used card in the last 30 days and there is not other charge after this annual fee. This is fraud and wrongful way to extort money. It is very difficult to read and remember all fine print which is provided with a card. Would request your intervention. Also the membership fee was charged on  XXXX   XXXX  and today is  XXXX   XXXX  so it is not even 30 days.     Charge date :  XXXX   XXXX  Amount :  XXXX  Charge type : MEMBERSHIP FEE   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 monetary relief
Consumer complaint received 2020-03-10
Company: Experian Information Solutions Inc.
State: NY
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:
I have an item on my credit reports from a company called XXXX XXXX XXXX. 
It is a collections account on behalf of the XXXX XXXX XXXXXXXX Fire Department. 
It is a medical bill for XXXX XXXX and XXXX  to the hospital for a XXXX XXXX   on XX/XX/XXXX. 
The account is on my report as being opened on XX/XX/XXXX. 
All 3 CRA 's agreed to a settlement with the CFPB and the NYAG which implemented a system wherein medical debt that was reported to the CRA 's with a delinquent date less than 180 days from the date of the report would be excluded from a consumer 's credit file. 

( It should be noted that I never received a copy of the original bill in the mail even though the paramedic and hospital that took my information was provided with my PO BOX . ) First, there was no due date on the bill received from the XXXXXXXX XXXX XXXX, so to my knowledge there is no date of initial delinquency. 

Second, assuming that the XXXXXXXX XXXX  XXXX considers the date of service to be the initial date of delinquency, then the first date that this item could have been reported to the CRA 's would have been XX/XX/XXXX. ( It is safe to assume that the date of service is NOT the same as the date of the first delinquency. ) This item should be removed from my credit files at all three CRA 's because it is for medical debt which was sent to collections and reported to my credit file less than 180 days from the date of first delinquency and because there could have BEEN no delinquency considering the initial bill has no due date for payment or even a request to pay immediately. 

I have included both a copy of the current CDIA guidelines which show at the bottom of page 2 the current standard by which medical debt should be excluded : The CRAs will no longer include medical debts identified and furnished by collection agencies when the date of the first delinquency is less than 180 days before the day the account was reported to the CRAs. 


I have also included a copy of the bill that I finally received after disputing the account with XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am asking with all my heart I been with the company for years now and I made a mistake in XX/XX/XXXX and XX/XX/XXXX I was going through a hardship and now I am back on my feet so now I am begging if you can remove my late payment. When I make this mistake I know nothing about credit now I am learning as I go I know I made this mistake I am just asking please to give me a chance just this once and I promise you wont regret it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
In XX/XX/XXXX I received a letter similar to the one attached. The date listed for payment was XX/XX/XXXX with a payment amount of {$730.00}. I made that payment by the date on the letter. This was the first correspondence I had received from Navient, and I took immediate action. 
On Saturday XX/XX/XXXX I received the attached letter. I logged into my account and realized the extent of the issue and immediately made a payment of {$2900.00} to get my account current. On Monday, XX/XX/XXXX I became aware that all of these accounts were reported as past due to all three credit bureaus. 
As you can see by the enclosed documents, the letter from Navient does not state how late the payments were, and the credit report pulled XX/XX/XXXX, with a reporting date of XX/XX/XXXX shows a Payment status of Current. The report pulled XX/XX/XXXX has a last reported date of XX/XX/XXXX, shows a status of 90-119 days late. The last enclosure shows the payments made. 
When I called and spoke to Navient 's customer service I was advised correspondence was going to an email that is no longer monitored. I have since updated my contact information, and remain current on my payments. 
I am asking that this reporting to the credit bureaus be changed as I was not properly advised to the state of the account, and as shown by my actions I had the means and intentions to not have these fall into a past due state. This reporting has had a severe negative effect on my credit score as I was in the process of obtaining a mortgage. This will no longer be possible with this erroneous reporting due to inadequate notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: The Law Offices of Gerald E Moore & Associates, PC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I signed a contract for 6-months term lease at XXXX XXXX XXXX XXXX and lived there from XXXX to XX/XX/XXXX. I paid my rent all the time before it was due Despite my monthly payment paid on-time, the landlord brought me to civil court for eviction on XX/XX/XXXX. At the court, I showed all the money-order for my rent to the judge and the case was dismissed. 
On XX/XX/XXXX, I tried to rent an apartment in XXXX TX and the tenant told me that i meet the requirements because i owed an apartment called XXXX  XXXX XXXX and XXXX XXXX. 
So i contacted the credit agencies bureau and explained them the situation and they told me they will contact the apartment XXXX XXXX XXXX. 
XXXX  XXXX XXXX XXXX is the same apartment as XXXX XXXX ; they have just changed their name but they are the same. 
XXXX XXXX XXXX is fraudulently tried to collected from me {$4700.00}, complaining that I haven't NEVER paid the rent since i rented their apartment. 
I am fully aware that we all my rent was paid through money order and if my rent wasn't paid on-time, I will be evicted and penalized on the day they have brought me to civil court. 
I am very upset and don't even have a place to stay due to fraudulent information on my credit report. I am not owing any apartment and i always paid my rent as my first priority.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Eastern Account Systems of Connecticut, Inc.
State: VA
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:
My insurance XXXX XXXX XXXX recently paid off my XXXX bills on a 3 way call with the creditors. They was also informed that wasnt supposed to bill me because I have Medicaid and they told us on the call that it would be removed from my credit report after 30 days. Its still havent been removed after it was paid. I have disputed this matter multiple times and it either comes back verified or accurate. This is becoming a serious issue on my report and it wasnt supposed to been billed to me on the first place. 

The person I spoke with about this matter was XXXX XXXX XXXX  said XXXX would sent it to XXXX  supervisor so it can be removed XXXX was from XXXX XXXX XXXX and XXXX XXXX from XXXX Account XXXX said to call bearus to be removed nothing has been changed!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: United Accounts, Inc.
State: WI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was a student and when I moved out of my apartment XXXX XXXX I paid the onsite manager for any and all cleaning. Apparently in XXXX XXXX the landlord decided they were due some cleaning money and or misc. costs. They chose not to contact me but instead sent it to a collection company with the address where I left not my home address that they had in the application. I found this out because my XXXX XXXX 's XXXX score showed a collection and I was told who the collection agency was I called them on XXXX/XXXX/XXXX and was told it was n't their problem they never sent me the notice to verify the debt. 
I believe the landlord provided a wrong address on purpose so it would be a collection action and I would be forced to pay it.If they would have provided my home address I could have responded to the collection companies XXXX notice.I also believe the collection company chose not to ask them for a good address because they did n't want me to reply. 
I am also concerned it took 7 months for the landlord to make that determination.

Company response to consumer: Closed
Consumer complaint received 2020-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capitol one did a hard inquiry after sending me notice that I was pre-authorized to refinance my car. Webpage advertises no impact to credit. They did not advise that even though I was a current customer that they would be doing a hard pull on my credit, this resulting in an inquiry on my report. I would like it removed from all three credit bureaus. I did not authorize a hard pull nor was I advised

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: Sortis Financial, Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
ClearSpring Loan Services states I have a debt of {$950.00}. This is the XXXX or XXXX debt collector who has provided me with this debt. XXXX debt collector must be selling to another debt collector. They have stated this debt is a result of a foreclosure I had in XXXX XXXX. However, my research unveiled by calling the county court 's office of where the property was located, that the bank bought back the property for what was owed on the mortgage, no more. I reached out to the debt collector to give me more information about this debt on numerous occasions with a breakout of what this charge is for so I can verify. They 've agreed that they would do so on XXXX different occasions, but they never have. Each time, I get the same letter in the mail that says I have a debt of {$950.00}. No breakout whatsoever. They keep making empty promises, as the debt collectors call me every few days for the last couple years trying to collect. I grew so tired of them not abiding to their promises that I stop answering their calls. It is very frustrating, I keep getting the same runaround, and this has happened for several years. Additionally, I got a notice from them stating this : " As required by Section 46A-2-128 of the XXXX XXXX XXXX, ClearSpring Loan Services , Inc. is required to notify you of the following information concerning the account referenced above : " The law limits how long you can be sued on a debt. Because of the age of your debt, XXXX - XXXX MRT Deficiencies can not sure you for it and XXXX - XXXX MRT Deficiencies can not report it to any credit reporting agencies. '' Even after receiving this notice, they still call me and try and collect on the apparent debt they say I owe. I called them to question this, and they stated that this notice does n't mean the debt goes away. I 've done everything I know of to research to see if there was a debt, requested the debt collector to send me a breakout of the debt so I can verify, but this has n't solved anything. I was so frustrated with them, I asked them never to call me again and that I wo n't pay them without being able to verify if this really is a debt of mine. However, they keep calling. I am writing because the debt still shows up on my credit report ; I would like that to be removed because I 'm under the impression when I go to get my next mortgage the bank securing the loan wo n't give it to me with a debt collection being reported. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: CL Holdings LLC
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
appreciateI received a letter from Jefferson Capital regarding an old debt that they bought. I contacted them to pay it off. I was told they did not accept debit cards and needed my bank account information. I am not comfortable with giving out my bank account number. That was last week and since then they call my work phone ( I mistakenly called from my desk phone ) 5-10 times a day. I have spoken with several people to tell them not to call my work line. One particular rude representative talks over me, keeps repeating the same thing over and over until I have to hang up on him. There is no need for it. I called them to resolve the debt. It is not my problem that they do n't have good business practices and ca n't accept card payments on the phone or on line. I will mail my payment because I want to clear this up - hence the reason I called them last week. But I do n't appreciate the harassment at work after telling them several times ( sometimes multiple times on one call ) not to call my work phone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
During the switch from XXXX XXXX to navient there where several times where my payment would be due at the end of the month and the following month it would be at the beginning. And according to the help over the phone. The payment date never change. But would change the date back to the or original due date but would not waive the late fee because as per them that was my fault

Company response to consumer: Closed with explanation