BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-03
Company: AMCOL Systems, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Children 's Hospital of XXXX ( XXXX ) sent a {$470.00} bill to collections with Amcol Systems that was paid in full through XXXX ( XXXX ). 
-The date of service for the original bill from XXXX was XX/XX/XXXX. 
-XXXX paid via Check on XX/XX/XXXX -I received monthly bills from XXXX. I called in to XXXX on some of those and was told to call back in 30 days if the payment still hadn't posted. 
-On XX/XX/XXXX XXXX sent a letter to XXXX on my behalf detailing that the claim in question had been paid on XX/XX/XXXX and my outstanding balance was {$0.00} ( There was another contact with XXXX sometime after the first conversation to check on the response from XXXX, but at that time they had been unable to get in contact with anybody at XXXX to explain that the debt was paid in full ) -On XX/XX/XXXX I received a letter from AMCOL systems attempting to collect this invalid debt. 
-I drafted a letter dated XX/XX/XXXX disputing the validity of the debt with AMCOL I am also submitting this dispute on XX/XX/XXXX with evidence of the actions taken above in hopes of resolution. I have since moved residences and changed insurance companies due to a job change and this has complicated efforts to resolve this illegitimate collection attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: PMT Solutions, LLC.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I've received approximately 30 calls from the debt collector over the past several weeks ( Starting around XXXX and proceeding through today, XX/XX/18 ). On the first call I was clear with them that I'd paid the debt already with XXXX XXXX XXXX ( XXXX ) and that I had a XXXX balance with them. From there, I verified with XXXX, online and by calling, and was informed that my account was closed and paid. I informed the collection agency pmt-solutions of this on several other occasions and asked them to stop calling. 

They continued calling using an auto dialer. If I answered, I'd usually get the tail end of a message reading off the last few digits of a phone number or I'd be prompted to press 1 and then be disconnected immediately. In cases which my voicemail picked up, only the last 3 numbers of their phone number ( presumably ) " 800 '' were left and no other message. In a few cases, someone answered and I explained to them there was no debt and directed them not to ever call. To contact be via usps if necessary. I've provided them proof from XXXX from the online account, they informed me that the online account might not reflect everything. I explained to them that I verified through the companies customer service over the phone, they told me they can't accept that either. I asked them to reach out to XXXX directly and they said they aren't willing to do so. 

I do not know what to do, I've sent them info and provided it over the phone.

Company response to consumer: Untimely response
Consumer complaint received 2019-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
This complaint is in regards to closed complaint # XXXX filed against TransUnion on XX/XX/XXXX. In their response TransUnion stated that, '' The complaint does not belong to them and that the complaint appears to be a duplicate complaint. '' I have unsuccessfully attempted to get false reporting from XXXX XXXX removed from my TransUnion credit report. In my complaint filed on XX/XX/XXXX I gave proof that my account being reported to TransUnion by XXXX XXXX was paid in full with my auto insurance in XX/XX/XXXX. 

In accordance with FCRA it is unlawful for credit reporting agencies to knowingly report false, misleading, or unverifiable information. As of XX/XX/XXXX TransUnion is listing my account reported to them by XXXX XXXX as an UNPAID COLLECTION ACCOUNT. My account with XXXX XXXX was paid in full with my auto insurance in XX/XX/XXXX. 

TranUnion had an legal responsibility to update my account to closed with a XXXX  balance after they received the letter from XXXX XXXX. The letter from XXXX XXXX dated XXXX/XXXX/XXXX states that, '' XXXX XXXX has submitted a request to update your credit reporting to reflect the account as closed with a XXXX  balance. '' This letter was submitted with complaint # XXXX filed against TransUnion through CFPB on 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 2023-11-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Yesterday, I deposited virtually my paycheck with my phone from my school district. The direct deposit that was supposed to happen did not go through, so I had to do it by picking up the check in person and uploading it. My bank took {$1000.00} of a {$200.00} check. I have no way to pay my bills, as I have a {$99.00} insurance bill that is past due. I have {$100.00} to get through the week, and gas alone costs me {$15.00} a day. I can't buy groceries, nothing. I talked to XXXX people and they say there is nothing they can do about it nor will the put me through to someone who can. They have done this to me XXXX times. They say NSF fees will do this, but the only NSF fees I've accumulated with them have been because they put a payment on XXXX of their credit cards through twice along with not posting my deposits. The deposit just vanished. They gave me {$200.00} cash advance off that card, throwing me over my limit and are now charging me higher interest for that cash advance that I wouldn't have needed had they not bungled my account. USAA is horrid -- this is the fourth time they've frozen a small amount of money and I need my money NOW. I sat in the parking lot at XXXX yesterday trying to get them to release the money just so I could go inside and get my meds. They wouldn't. Please, please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below XXXX XXXX XXXX XXXX Balance {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 XXXX is reporting incorrectly a balance of {$150000.00} to XXXX ; XXXX and Transunion on the XXXX XXXX XXXX partial account number XXXX. The actual balance is {$28000.00} pursuant to the statement dated XX/XX/2019from XXXX XXXX XXXX. ( Please see page attached from my credit report as well as the statement dated XX/XX/2019 from XXXX XXXX XXXX. ) On XX/XX/2019 a Consent to Final Judgment of Mortgage Foreclosure was filed on my behalf. ( Please see document attached. ) Because there is a signed Judgment that has been filed with the Court, this line item no longer needs to be reporting and therefore it needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful. This incorrect reporting is harming 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 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.

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 2023-03-06
Company: Genesis FS Card Services, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC1681 section 602 states I have the right for privacy.15 USC 1681section 604 ( A ) section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666 ( b ) a creditor may not treat a payment on a credit card account under and open and consumer plan as late for any purpose. 

Creditor XXXX XXXX XXXX Reported Late Payment payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX Creditor : CB Indigo Reported Late Payment late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX Creditor : XXXX XXXX XXXX  Reported Late Payment late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022 my wife 's debit card account was compromised by scammers. My wife never gave out her password nor did she ever lose her card. Her account was linked to our joint checking account. They transferred {$10000.00} from our joint account to her debit card account. Then they withdrew more than XXXX individual withdrawals of {$39.00} on some sort of an XXXX XXXX card. We notified Wells Fargo bank of the fraud before they ever contacted us. My wife does not have nor has ever had any kind of XXXX XXXX. The accounts were with Wells Fargo Bank and we have tried to get our money back through Wells Fargo. They have insisted that my wife actually withdrew the money and therefore Wells Fargo will not return our {$10000.00}. There is no evidence that they have provided to back up the fact that they insist we withdrew the money. 
I will be happy to provide more detailed information if it is requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: AES/PHEAA
State: NC
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:
The balance for my student loan debt is reporting multiple times on my credit report for different amounts, under the same account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of identity theft. There are accounts with XXXX, TransUnion, and XXXX opened on my account that arent mine.

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 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX Date Open : XX/XX/XXXX Balance : {$24000.00} and XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$1800.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, EVERYTHING must be 100 % accurate on my credit report. The information that is reporting is inaccurate from the open dates, last active date to last reported date. This is grounds for removal & these following companies have violated my rights : XXXX XXXXXXXX XXXXXXXX XXXX  Account # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX WI # XXXX XXXX BANK # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX # XXXX DEPT OF ED/XXXX XXXX XXXX DEPT OF ED/XXXX # XXXX DEPT OF ED/XXXXXXXX XXXX XXXX DEPT OF ED/XXXX # XXXX XXXX XXXX # XXXX* US DEPT OF ED/XXXX # XXXX** US DEPT OF ED/XXXXXXXX XXXX XXXX 15 U.S.C. 1681 Section 602A : States I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It states a Consumer Reporting Agency can not furnish an account without my written permission.

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 2023-03-06
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
During the 2021 timeframe when the SBA was issuing {$2000.00} loans, Wells Fargo froze my checking account and I was unable to receive my loan. 

They stated that my account was frozen because they did not have a copy of my social security card on file however, it was in fact used to open my account. 

So, I provided them with another copy of my social security card and the freeze was lifted. A week or so later, another freeze was placed on my account for the same reason. So once again I provided a copy of my ssn card. 

This ordeal caused Wells Fargo to return my {$2000.00} check back to SBA. 

I informed Wells Fargo about this on several occasions however they never rectified the problem.

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 2020-03-28
Company: I.Q. DATA INTERNATIONAL, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I lived in an apartment complex then named XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. Sometime around the spring of XX/XX/XXXX, a representative visited me and said that they intended to renovate the apartments, and since I had occupied my apartment for ten year, it was slated for renovation. That year, I informed them that I was vacating the apartment in XXXX after ten years. 

I PAID MY RENT IN FULL. 

I vacated the apartment in XX/XX/XXXX. I was reviewing my credit report and noticed a derogatory comment from the successor company through a debt collector. They stated that I owed one month 's rent. I DO NOT OWE ANY RENT. There was dispute about the length of notice I gave them before leaving. I told them at that time that the notice was sufficient since they meant to renovate the apartment as told to me in the spring, and there were indications that they started renovating shortly after I left. The impression is that by not giving more notice they lost one month 's rent. No, they did not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-05
Company: Resurgent Capital Services L.P.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The accounts listed are not mine. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX LVNV FUNDING LLC C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: Phoenix Financial Services LLC
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX, I was in a car accident and ambulance services were provided that I didn't ask for or require by XXXX of XXXX XXXX in the amount of XXXX $ Between XXXX and XX/XX/XXXX I was in contact with XXXX  of XXXX XXXX to dispute bill because it was not processed through Insurance per my request. 
I gave them the insurance information and never heard from them or received a bill after that contact. 
XX/XX/XXXX I review my credit report as I do at the end of every month to verify accuracy. I find a debt collection account has been opened on XX/XX/XXXX through XXXX XXXX services for XXXX of XXXX XXXX for XXXX $ but wasn't reported to me until XX/XX/XXXX on XXXX XXXX. 
I wasn't able to dispute the accuracy of it through online services because XXXX XXXX reduced call center hours and there website dispute process was down to do Corona Virus. 
I was not sent a bill or given any paperwork between XX/XX/XXXX and XX/XX/XXXX notifying me I owed any amount to Phoenix Financial Services or XXXX of XXXX XXXX. I was not called and no message was left in order to contact them or verify the amount that is now in collections. I believe this is a violation of my rights, as I can't pay a bill i don't know that I owe and I have no way to contact them in order to pay it to remove it from collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2023 I opened a Bank of America checking account through a link on their website offering a {$100.00} bonus for opening a new account and receiving {$1000.00} in direct deposits within 90 days using code XXXX. The bonus was supposed to post within 60 days of meeting the terms. I met the terms on XX/XX/2023 after receiving {$1000.00} in direct deposits from my employer. 

On XX/XX/XXXX I called Bank of America and was told no promotional code showed on my account. I explained that I applied using a promo on their website. They asked for the promo code I used three months prior which I did not know off hand. 

On XX/XX/XXXX I found that I had took a screen shot of the application with the promo code XXXX so I called back. I told them I had used the code. They then told me that they could see that the code was added to my application which contradicted what I'd been told the previous day. They then tried to tell me that I didn't have {$1000.00} in deposits to meet the promo. Then I manually added up each deposit and told them it came to {$1000.00}. Eventually they added it up and acquiesced. Then they told me that I did meet all the qualifications but that I hadn't received the bonus because 60 days hadn't passed yet. I then told them that the terms were met on XX/XX/XXXX and since today is XX/XX/XXXX that is well over 60 days. Then they said that it would be looked into. 
I recently read about the legal action against Bank of America and one of the issues seemed to be their unwillingness to pay bonuses even when terms are met so I decided to file this complaint.

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 2018-02-26
Company: Coinbase, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Coinbase owes me {$4800.00}. I filed a case # XXXX with them and they have been no help. On XX/XX/2018 the amount was sent over and received by coinbase. I received an automated email from them saying my funds would be available by the end of the day on the XXXX, instead it has been stuck on pending now for well over a month. And they will not help me. Their support team is horrendous. And additionally I was scammed another {$750.00} but a fake coinbase number I called that posted on Coinbase 's Support 's XXXX page. So they are also allowing scam companies to make posts using their same exact logo and font to offer help to ppl, when they should be deleting these fraudulent posters.

Company response to consumer: Closed with explanation