BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
This dispute is regarding student loan accounts that have inaccurate information listed on my credit report. First I contacted these companies requesting them to validate this account and the account information that they have reported to the credit bureaus and never received a response. Being that I did not receive a response, I filed a complaint with the Consumer Financial Protection Bureau against them for failing to validate their claim. I disputed these accounts and the information they reported with Transunion ; Transunion responded by stating that they verified the information was correct. These accounts are currently listed as Chapter XXXX bankruptcy, when in fact they are not in Chapter XXXX bankruptcy being that the bankruptcy was dismissed which I know that to be fact. Being that the companies failed respond to my request by validating this information, I would like to know exactly how did Transunion verify this account as being accurate and what competent proof that they received to validate this claim ; especially since neither one of these companies responded to my request and the numbers listed are not valid numbers that would reach a customer service agent. I do n't believe that Transunion investigated my dispute fairly. It 's on record that my bankruptcy was dismissed so how can these companies validate information that is not true? It is a violation of law for them not to provide validation of their claim, the account they are reporting and the information regarding the accounts ; especially if it is detrimental to my credit. I filed a claim against these companies with the CFPB in which they have not responded to my complaint either.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
On XXXX XXXX, 2016 I applied and was approved for XXXX credit cards at XXXX XXXX Bank. XXXX credit cards have the identical credit limit of {$3000.00} XXXX credit cards accounts were opened on the exact same day ( Acct XXXX & Acct XXXX ). Unfortunately Transunion has refused to report XXXX accounts because I was told by a representative that they think the accounts are duplicates. Two months ago XXXX XXXX Bank requested that they add the account to no avail. Both XXXX and XXXX are reporting XXXX accounts the only hold out for 3 months is Transunion. Can you please help me because this inaccuracy is hurting my credit score.

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 2021-05-25
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have written several disputes to the credit bureaus and each time it comes back as verified accurate. 
All 3 bureaus are reporting a different Date Last Active. 

XXXX reports XXXX Experian reports XXXX XXXX  reports XXXX This is in Violation, needs to be removed asap

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: ALLY FINANCIAL INC.
State: MI
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I am sending this complaint in order that I can get a straight answer from Ally so that we may close this matter. I leased a truck from XXXX XXXX XXXX, in XXXX MI the lease ended in XXXX 2014 when I took the truck back at the end of the lease which was XXXX XXXX, 2014 it was inspected and pictured was taken but when we got the report back from Ally it stated that there were holes in the rear bumper which was not true, we have been desputing this sence then now they tell that they have review our dispute and it was denied on XX/XX/XXXX but we never got notification of that, several customer service reps have told us that they do not notify you of denial in writing we should have gotten a call from the customer service rep that took the complaint but we did not and I keep telling them that I never got a call, then they said I should have called them. The dealership said that the truck never went back to Ally, the used car sales manager purchased the truck and sold it two days later, and we should not be responsible for any repairs, because Ally did not do any repairs never put their hands on the truck. Every time I speak to an Ally customer service rep I get a different response, I feel that Ally is trying to squeeze money out of every customer they had, because they are mad that XXXX has their own finance company now and will not be dealing with them anymore, I also know that Ally is a part of General Moters ( part of my tax dollars bailed them out ) thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Northern Resolution Services
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Northern Resolution Services has called many friends, and family members of mine - they state my name and that a " case '' was received in their office and i need to contact them immediately with at reference number XXXX - the gentleman calling is XXXX XXXX. He never discloses the mini-miranda and left personal information. 

I called the company on XX/XX/XXXX - spoke with a representative and asked for proof of this " debt '' which I never received. 

When I told him about the phone calls and I wanted them to stop and they were violating FCRA guidelines he said he said " XXXX Bless '' and hung up on me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In 2005 my wife took out a mortgage with XXXX XXXX XXXX. My name is not on the mortgage note. We moved to Maryland and upon pulling a XXXX found that XXXX XXXX XXXX still has this loan listed to me ( again it was in my wifes name ) and the loan is now serviced by XXXX XXXX , XXXX My credit report states that I have an outstanding and open account with XXXX XXXX XXXX . XXXX does not own the debt nor do I owe the debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My only goal in filing this complaint is to get Coinbase to respond to me and help me gain access to my account again.

Here is the problem simply stated : When switching to a new phone, the two-factor authentication stopped working. When trying to sign in to Coinbase, XXXX XXXX provides 8 numbers and Coinbase only allows me to enter 6. I can't be the only one with this issue. 

They do not have a support phone number to call, nor respond to any messages or support tickets. Please see the attached filled with automated responses and promises of specialists reaching out. 

For months now, I have not been able to access a significant portion of my savings. 

If you can get them to respond to me, that would be so incredibly appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX XXXX AND 2 CREDIT BUREAUS, XXXX AND TRANSUNION KEEP REPORTING OUTDATED NEGATIVE INFORMATION ON MY CREDIT REPORTS. I TALKED TO XXXX XXXX XXXX AND THEY TOLD ME THAT THE CREDIT BUREAUS ARE RESPONSIBLE FOR REMOVING THIS INCORRECT INFORMATION. 
THE CREDIT BUREAUS TOLD ME THAT THE BANK IS RESPONSIBLE FOR REMOVING THE OUTDATED INFORMATION.? WHO IS CORRECT?? PLEASE HELP ME RESOLVE THIS MATTER. THE ACCOUNT IS OVER 7 YEARS OLD!! 
.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: Armcon Corp
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX / XXXX /  XXXX  ! Cvcs collection co, took m y Ssdi mo ney from a on line account!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Good morning, I review my credit information and notice that there is a name reported as mine and it does n't belongs to my person. My full and legal name is XXXX XXXX XXXX. The name that appear is XXXX XXXX XXXX and is an error, maybe someone try to use my information. I will really appreciated any help in the matter. 
Thank you very much for your time, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-29
Company: Bread Financial Holdings, Inc.
State: CA
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 shocked when I reviewed my credit reportand found late payment on the dates below : 30 days late as of XX/XX/2016 I am not sure how this happened, Ibelieve that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: PNC Bank N.A.
State: IL
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 was under a forbearance program due to COVID, and at the conclusion on my forbearance period ( XX/XX/2021 ) I paid the full amount to bring my loan current. I looked at my credit and it shows the payment for XXXX of 2021 but still shows the previous months covered by the forbearance program as unpaid. 
I called PNC Bank and no one could give me any information about how long this would take to have updated. I asked to speak to a supervisor and was advised that I would have to take up the issue with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
This complaint is not an acknowledgement of the debt, and is not an indication that payment will be made. The goal of this complaint is to bring forth a FCRA violation by TransUnion, XXXX, XXXX, XXXX ( original creditor ) and XXXX ( or XXXX ; collection agency ). 
I currently have a {$6400.00} collection from XXXX XXXX ( aka XXXX ) illegally appearing on my credit reports. The Original Creditor of this account is XXXX. Upon reviewing my ENTIRE statement history from XXXX ( attached ) it is clear that the date of first delinquency of this account is on or before XXXX XXXX. By the XXXX XXXX report, the available credit limit was {$0.00} - in other words, my credit had been REVOKED, as the account was in serious delinquency. This date explains why the XXXX tradeline does not appear in any of my credit reports. However, the XXXX XXXX tradeline appears since it misrepresents the date of first delinquency. Based on the date of first delinquency of XXXX XXXX, the tradeline should appear on my credit reports until XXXX XXXX. In other words, it should be immediately deleted from any of my consumer records. 
I am writing to request that the credit bureaus ( TransUnion, XXXX and XXXX ) immediately delete this tradeline. I am also writing to request XXXX ( as required by law ; and as the original creditor ) to instruct the credit unions and XXXX XXXX to stop reporting this tradeline. I am also writing to require XXXX XXXX to immediately stop reporting this tradeline.

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 2021-05-25
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Debt have been settled on XX/XX/2021 and I still see it in my credit report. I called them and they kept on giving me ( same ) numbers from one office to the next cause no one seem to know how to help me yet the acct as per the operator was paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-01
Company: KINGS CREDIT SERVICES
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Kings Credit Service acct # XXXX, should have been paid by my XXXX XXXX XXXX XXXX I have had XXXX XXXX for over 10 years, same account number just now a different County. They never submitted charges to XXXX, and now it is in Collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/2016, I recieved a letter from LoanCare ( our new mortgage servicer ), which stated an escrow shortage. Our payments were going up by {$300.00}. We were given the option to pay the shortage and have a lower payment amount of approximately {$1000.00}. We agreed and paid {$3300.00} XX/XX/XXXX to cover the shortage amount. XX/XX/XXXX, we received another letter from LoanCare stating that there is another escrow shortage in the amount of {$480.00}, and our payment for the next 12 months will be {$1100.00}. Our monthly escrow payment is {$360.00}. As per RESPA, the maximum amount allowed as a cushion in escrow would be {$720.00}. The statement shows an escrow balance of {$860.00}, but they are requiring even more. They require that we have {$1300.00} in escrow. I called LoanCare today to inquire as to why they are requesting so much, and to tell them that Arizona State law has a maximum of 2x the escrow payment to be required for a cushion. They said to put it in writing and to email them. I do not feel that I should have to jump through hoops to get them to comply with RESPA guidelines, and have a higher payment in the meantime. In the past, they have hung up on us, failed to explain why we had a shortage to begin with, yelled at us, and flat out refused to do anything. They keep sending us pre-foreclosure notices, and letters stating they are going to do a home inspection at our cost. We 've paid XX/XX/XXXX payment, and will be making XX/XX/XXXX very soon. All of these shortage costs are causing a lot of financial stress. I do not feel this loan servicer is ethical, fair, or abiding by the laws. I am a victim here, and I feel that they are doing everything they can to force us into foreclosure.

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 2021-05-25
Company: ERC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I spoked to an Agent Friday morning ( XX/XX/2021 ) regarding the {$170.00} charge. The {$170.00} is showing up in my credit reporting under Collection. After, providing the agent information. The agent stated they do not have this account. I told him well that's illegal and they need to remove the charge if they don't have the account. The company name is " Enhanced Recovery CO L ''. Phone # XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: Lendmark Financial Services
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
On XXXX XXXX, 2015. I received a call from XXXX XXXX of Lendmark Financial regarding a personal loan debt. XXXX calls my cell phone at least 3 times a day, sometimes back to back. On today when he called me at work, I immediately told him to call me on my cell and when he did he immediately started using an offensive tone and was very rude. He was yelling very loudly. Unfortunately we had a very inappropriate call. He was unprofessional, nasty and very rude and condescending. I have never been harassed like this before in my life.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Coinbase, Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have an account with Coinbase to buy and sell crypto currencies. On XX/XX/XXXX I contacted them to freeze my account because I thought that my account may not be secure. They froze it but when I asked them the next day to unfreeze it, they did not. For 10 days I have asked them to unlock my account. I have only received auto responses. No one has reached out to me and my account is still frozen. Since the time that I requested that they unfreeze my account, the value of my investment went down almost 50 %. I have no access to my account and I have no means to communicate with Coinbase. They do not have an address or a phone number. A customer can only send messages thru their website. The website only send auto responses.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-18
Company: First Credit Services Inc.
State: NJ
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 visited XXXX in XXXX, NJ in 2015. I paid for one month and was never told that they would be continuing to bill my credit card on a monthly basis. When I finally realized it I contacted XXXX and was told that I was signed up for automatic payments and that I could not cancel unless I went in person to the facility. I immediately contacted my credit card company to dispute these charges. The credit card company has given me provisional credit and is working on the dispute. They also closed my card and issued me a new one. However, XXXX has subsequently referred these charges to a debt collector - First Credit Services , Inc. XXXX apparently signs people up for automatic payments whether they are aware of it or not and then refuses to cancel those payments upon request. These are shoddy, shameful business practices.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: EQUIFAX, INC.
State: IL
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:
Yes I called EQUIFAX on XX/XX/XXXX to dispute a XXXX XXXX inquiry on my credit report that I did not authorize from XX/XX/XXXX. I talked to XXXX id number XXXX and he refuse to help me dispute my unauthorized credit inquiry from XXXX XXXX XXXX XXXX He told me that I have to go file a police report. I was never offered to put a fraud alert on my credit report not even after I brought up that I have fraud alert set up on my XXXX  credit report. I am very frustrated to not be treated the same as a person with XXXX  credit score. I should be offered the same services and good customer service too. 

I asked to talked to a manager to get this issue resolved and had to wait over 20 minutes before being told that there is no available supervisor nor manager. Then I was directed to the fraud department I demand that this XXXX XXXXXXXX inquiry be removed from credit report accordingly to section 609 from the Fair Credit Report.

Company response to consumer: Closed with explanation