BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-23
Company: CAINE & WEINER COMPANY, INC.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I would like this collection to be removed from my XXXX credit report was reported as collection debt without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: Trident Asset Management, L.L.C.
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Trident Asset Collection Agency placed returned checks into the wrong category. They were entered as if they were revolving accounts ; in which, payments were assigned/ made on a specific date or cycle.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-17
Company: Shellpoint Partners, LLC
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Ditech file bankruptcy In XX/XX/XXXX the switch my account n messed everything up My account switch in XX/XX/XXXX to shellpoint Ditech change my regular monthly payment after XX/XX/XXXX the went up alot n didnt apply 2 or 3 payments Shellpoint Sent letter on XX/XX/XXXX about account switching over but I was already have problem with ditech I payed XXXX n shellpoint said i was still in default but when I called their new account office they said I was current n the still foreclosed on my house

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Attached to this complaint is a letter from the United States District Court District of Minnesota Bankruptcy Court for proof that I never filed for Chapter XXXX Bankruptcy and the public record of Bankruptcy Discharged Chapter XXXX, XX/XX/2020 thats currently listed on my Equifax and XXXX  credit report, is inaccurate, incorrect, and not my public record. The bankruptcy court do not report bankruptcy cases to XXXX XXXX, XXXX, Equifax or XXXX XXXX. The public record is not my public record.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently reviewed my credit report and notice several inaccurate information. Several items do not meet the Fair Credit Reporting Act guidelines nor has the companies reporting the information validated and verified the allege debt for example XXXX XXXX ( never validated the allege debt ), XXXX XXXX XXXX ( never validated the allege debt ), XXXX ( never validated the allege debt ), XXXX XXXX XXXX ( company has reported different information to every credit bureau, company admitted the deed was never recorded with XXXX XXXX nor have they provided legit documents ), and XXXX XXXX ( this company has not responded to any letters, CFPB is unable to locate the company nor have they added the sentence consumer disputes ). There are several unauthorized inquiries reported to the Credit Bureau, I never authorized the inquiries nor do the inquiries fall under FCRA- permissible reasons. I sent Experian notices to remove the false and misleading information but I received no response. The said companies are reporting False, misleading, and deceptive information. The false and misleading information being published by the credit bureau has hurt my credit score, caused humiliation, and financial injury.

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 2015-04-05
Company: IQOR US INC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
For the last FOUR years, I have been receiving multiple robo-calls to my home " attempting to collect a debt '' however it is not a debt that I personally owe. The person who had this phone number before me owed many debts, and I have managed to remove myself from the list for being contacted by all the other companies/agencies that have been calling, except for XXXX. I do n't even know the reason for the debt or the name of the company, but I have called them back at the number given many times. Most of the time I can not be connected to a real person when I call, but when I have been able to speak to a person, I have given my name and contact information and explained that the person who owes this debt is NOT me or anyone I know, and asked that they stop calling. It has been more than a month since the last time I called, and I am still receiving phone calls from this agency. Their phone number is XXXX. They do not give any other information in the automated message when they call.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-18
Company: EQUIFAX, INC.
State: MI
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 sent Equifax, XXXX and also XXXX letters about a miss payment that they reported 90 days late. I asked them to verify that this was indeed correct, However, they sent me an updated report stating that it was correct. I know that it's not correct because I was in a deferment at the time. Due to me being in school. As I looked over my report that they are claiming I was late, by law they have to report every month that I was late., However, they reported that I was late in XXXX XXXX, Let me tell you all how dirty Experian just is, Because they could not show any record of me being late on a payment. They took it upon their selves to go in and switch every student loan date that had reported 90 days late and only marked in XX/XX/2019, with all the other slots being checked ok. So Now they read a late payment in XXXX, XXXX, XXXX and XXXX. This is so much against the law and I am thinking about contacting a lawyer. Luck for me I print out all credit reports. Even have the ones from last year and two years ago from when they claim I was 90 days late. So please explain to me why did you all go and change them and never notified me of this change.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I had a charge of account that I disputed on my Experian credit report as being obsolete as it had been 7 years since the DoFD, instead of removing the account they re-aged it, and not I am not able to dispute the account online as Experian 's online dispute keeps saying it can not honor my request. I have contacted Experian about this issue multiple times with no resolution nor any explanation. Previous to this I never had an issue using Experian 's online dispute option. If you can get them to explain why I can no longer utilize their online disputing options, even with a purchased report number from them, the only way their CSR said I could dispute, making me spend more money for it to still not work, that would be great. Also the XXXX account needs to be removed from my credit report as it still states it is a charge off account but now will not be removed until 2023. These CRA 's need to follow the laws put forth by the CFPB for accurate credit reporting as the only one that seems to have an accurate report for me is XXXX. My XXXX report is all screwed up, yet they still will not fix it, even after countless complaints through the CFPB, who I was under the impression, was supposed to advocate for the consumer when these huge companies do n't do anything about the customers complaints.

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 2021-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I placed security freezes on the 3 major credit companies due to identity theft I fell victim to. I recently applied for a personal credit card with XXXX and a business line of credit/ SBA loan but was told I was denied because they couldnt obtain a copy of my reports. I have tried to contact all 3 to have it temporarily lifted but have been unsuccessful. 
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 2015-06-01
Company: Trident Asset Management, L.L.C.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was check my Credit Report on XXXX XXXX, 2015 I saw Trident Asset Management report ( Account # XXXX ) to all Credit Agency that I owing money to XXXX in the balance of {$120.00} so I send them a VALIDATION OF DEBT on XXXX XXXX, 2015 with CERTIFIED MAIL and delivery on Tuesday, XXXX XXXX, 2015 and I call in talk to XXXX on XXXX XXXX, 2015 at XXXX said that they got my VALIDATION OF DEBT ( VOD ) letter and will respond the VOD next week but as of XXXX XXXX, 2015 the VOD pass XXXX days and I have not got any respond from them and I call them again talk to XXXX on XXXX XXXX, 2015 at XXXX he said that they got slow respond from XXXX to VALIDATION of my debt. Should they have all these info already when they try to collect the money from me? Anyway XXXX and XXXX have DELETED from they filed but XXXX XXXX but I also found out that Trident Asset Management sits on a collections advisory board with XXXX from XXXX here the link ( XXXX ) I think that is why it not DELETED. I 'm attach : 1. LETTER FROM TRIDENT ASSET MANAGEMENT 2. VALIDATION OF DEBT 3. XXXX XXXX DELETED LETTER 4. XXXX XXXX DELETED FROM XXXX. 5. XXXX CERTIFIED MAIL TRACKING NUMBER. 

Thank You, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-23
Company: Federal Adjustment Bureau, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I have spoken with Fabco in the past and asked for verification of the account almost a year ago. I told them I did not believe I owed the amount they stated I did. The collectors tried to argue with me. I asked if something could be mailed. After having tried several times to have something mailed and receiving nothing, I gave up. I received a call today ; almost a year later ; and the women whom I spoke to was quite snippy. She did not give her FDCPA disclosures or even tell me the call would be monitored and recorded before telling me the account was too new to dispute. I again asked would she send verification of the charges. She said they had already been sent. I then told her I did n't receive them. She gets very quiet and does n't say anything. I ask if she can hear me and then she says she was just listening to me go off on her. I 'm confused at this point and I tell her if they ca n't dispute the charges as I asked and send me itemized statement of the charges ; I did n't care. She then said she would n't waste her time either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
While checking my XXXX credit report. I discovered that a collection has been placed on my file for {$1900.00}. I personally contacted collection agency IC SYSTEM, XXXX XXXX, XXXX XXXX, MN XXXX, disputed the validity of the debt and requested under Fair Debt Collection Act ( 15 USC 1692g ), and requested that the Company provide me with any signed contract as well as billing invoices of the said unpaid bill within allowed time under the law. Upon belief and information, this account does not belong to me and/or may be as direct result of ID THEFT.It`s paramount that an investigation be conducted to determine the validity of the account. 
IC SYSTEM deliberately ignored my requests and has continued to proceed to collect on an unlawful debt without just cause, and as a direct result has caused me serious economic hardship and inability to secure employment or housing and/or obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XXXX XXXX I attempted to convert XXXX Bitcoin to {$2700.00} usdt using coinbase.com. I noticed the fees were quite high but lower on coinbase pro, so I attempted to transfer my account to coinbase pro. My account was frozen immediately and I can no longer make any transactions or withdraw any money. They have no customer support team and it is impossible to get any response from them in order to unlock my funds. This is completely unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-17
Company: Ingo Money, Inc.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
I am having issues cashing checks with Ingo Money on the Ingo Money Mobile App. Ingo Money is discriminating against me and blocking me from cashing checks on the mobile app.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have contacted Experian on several occasions by phone for assistance at XXXX XXXX XXXX XXXX and through their website to dispute several inquiries that appear on my credit report I did not initiate or authorize. Furthermore I have asked Experian to contact each of this companies to request proof of me requesting credit or completing credit application. I would like for all inquiries highlighted on attached credit report to be removed

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: Roycroft Management
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
Received phone call early XXXX stating that I court papers have been issued & papers will be served at my employment. Also stated that I will need to be present along with supervisor to sign papers. Has called my work place including mangers and family members several times in the day. Finally spoke with them and stated that they are collecting a debt from a previous loan from XXXX and if not paid, will include a {$6000.00} fine to pay for attorney fees. Phone number is listed at XXXX under name " Central mediation Services ''. Address listed at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. When calling, I keep getting the same woman. Have already made XXXX payments in the sum of {$300.00} before realizing it was a scam and have cancelled my debit card.

Company response to consumer: Closed
Consumer complaint received 2016-02-05
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I applied with a credit worthy co signer for a XXXX loan at XXXX XXXX. My loan was denied when I received the letter of denial reason it stated Bankrupcy on credit report and aXXXX credit score. I pulled my report and as I already know I have no negative public record and my credit score is not what they reported. I filed a complaint with Equifax and XXXX. But XXXX XXXX refuses to accept ownership of the information which resulted in my denial. They also approved my husband but he too got a letter with the same denial but was approved too after the fact. We are both customers at XXXX XXXX. I feel that it is discrmination.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX, I contacted the credit information furnisher Comenity Capital/XXXX via certified return receipt letter, disputing the information on my credit report in all three bureaus. The credit company received my dispute letter on XXXX. I received a response letter stating that the account was sold to another company and verified as accurate but failed to provide a verification of my signature to validate that this account belongs to me. After the expiration of 30 days since the date of receipt of my letter, on or after XXXX, I pulled my credit report and discovered that credit furnisher violated section 623 of FCRA by failing to report to credit bureaus as being disputed. 

On XXXX, I mailed a second letter to Comenity Capital/XXXX  requesting to remove my account from the credit report agencies due to their violation of section 623 of FCRA, making a good will attempt to resolve this issue amicably. The creditor received my second letter on XXXX and prior to expiration of 30 days, replied that the account was sold and verified as belonging to myself without providing any proof of my signature that makes this account my liability. To this date, the account is still appearing on my credit report and unfairly causing me financial injury and damages my reputation. 

I keep the paper trail of all written correspondence on file and can provide it per your request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
That is falsely listed on my credit report. The amount {$1700.00}. owed are no longer outstanding for the following items :

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 2016-04-04
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 XXXX related issues. First, my name is being reported incorrectly, and as a result, I have information associated to my credit reports that is not mine. So now that I am trying to buy my first home, I have names and addresses in the report that are just wrong. I tried disputting it directly with Experian, but they kept saying they could n't honor my request online. Very frustrating, as I have very free time at the moment to stay in the phone for hours.

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 2015-12-03
Company: PNC Bank N.A.
State: NC
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
On Thursday, XXXX XXXX at approximately XXXX, I attempted to purchase a laptop computer as a XXXX gift for my husband through XXXX. The original price of the computer was {$790.00}, however the doorbuster deal was {$540.00}. I submitted my credit card information, twice, within 3 minutes and XXXX times were declined. Assuming this was an issue with XXXX ( due to traffic volume ), the option to pay through XXXX was also available. I submitted my credit information through XXXX and it was accepted. I received an email ( attached ) stating the payment was accepted and XXXX would contact me soon to confirm processing. 
Within 1-2 hours, I received an automated call from PNC for loss prevention, checking on the charges. The first XXXX charges were noted as " declined, '' which I accepted ( because they were ) and the third charge, through XXXX, was noted as " approved, '' which I also accepted. I did not receive any other calls or emails throughout the holiday weekend regarding the purchase. 
On Monday, XXXX XXXX, I attempted to contact XXXX XXXX regarding the order, with no luck. 
Wednesday, XXXX XXXX, I chose to further the investigating. XXXX Customer Service confirmed that PNC DECLINED the purchase on Thursday, XXXX XXXX, therefore my order was never processed and I would not be receiving the discounted computer. 
After speaking with multiple PNC Customer Service Reps on Wednesday, XXXX XXXX ( XXXX of them basic reps, XXXX of them Retail Escalation, XXXX of them a manager and still waiting on a return call from the direct supervisor of the manager ), the conclusion ( and these words came directly from the manager ) was that " After you approved the payment through the automated system on XXXX, it was your responsibility to go back in and submit the payment, AGAIN. " When has this ever happened?? I have never experienced a situation with a credit card that the purchase needed to be submitted AGAIN after an automated system. I told the Retail Escalation Manager that they prevented me from making a purchase on a sale item and I have now lost out on a savings of {$250.00}. What would be the point for me to keep a credit card with their company if I could n't use it on large purchases ( OF ONLY {$500.00} )? 

I am requesting compensation from PNC Bank, in the amount in which I have lost out on the deal ( {$250.00} ). Someone on their end completely messed up and they are refusing to take responsibility for their actions. An apology is not enough. I am a very loyal customer, have been with PNC for almost 10 years now, always pay off the credit card and although I so much appreciate the prevention of fraudulent activity, it has completely screwed me. They neglected to inform me that the last transaction through XXXX was never submitted and to me, this is completely unacceptable.

Company response to consumer: Closed