BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-09
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Debt collector called trying to collect a 7 yr old debt ... refused to send me a verification of debt letter so that I can prove they are a legit company ... would not give me the company name or address which I found through research ... threatening to sue me and freeze my bank account and put lien on my truck, taxes and garnish wages ... all I asked was a lettier proving the debt and she refused and informed me Im going to be sued ... I offered to pay the debt in monthly payments but I need verification of the legitimacy of this company which they are unwilling to provide ... I should be entitled to a document to look over to prove this ... if legit Im willing to pay my debt as I should..I have rights through the Federal Fair debt collecting practice Act and they have violated my rights..first off by not sending me a verification of debt notice that would give me that chance to prove the authenticity of this company and debt ... I do not feel comfortable giving them a payment over the phone when they wont send me anything to verify who they are ... Im trying to protect myself from possible scam and I feel I have the right without being threatened if I dont pay today

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Paramount Recovery Systems, L.P.
State: IL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # : XXXX and XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX  XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX Ref : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Exp. XX/XX/XXXX To whom it may concern. 

I traded in my XXXX old XXXX XXXX, and I have attached emails from XXXX regarding the trade-in, which offer complete confirmation. 
Attachment # XXXX Upon receiving emails from XXXX that confirm the trade-in, I proceeded to cancel the XXXX coverage with Theft and Loss Protection for all XXXX XXXX  XXXX. Subsequently, I obtained refunds for these cancellations from XXXX. Please refer to the attached emails from XXXX for verification. 
Attachment # XXXX Nevertheless, Goldman Sachs credit card has been consistently imposing unreasonable charges on me since the cancellation of the XXXX insurances. These charges have been recurring on a monthly basis. Kindly review the provided statements for further clarification. 
Attachment # XXXX I initiated disputes and submitted all relevant emails as evidence to Goldman Sachs through both their chat service and certified mail to their headquarters. While they initially issued credits, they have persistently continued to levy charges for the canceled XXXX insurances in a recurring manner. Please refer to our chat history and the proof of service documents for verification. 
Attachment # XXXX and # XXXX Please help me halt the unauthorized charges for all XXXX of my cancelled insurances. During my recent interaction, I devoted around XXXX and a half hours to a chat session with Goldman Sachs. Unfortunately, I was repeatedly transferred between representatives, and each time, I had to reiterate the entire situation. Despite my persistent efforts, no headway has been achieved. This situation feels like a form of teasing and unjust treatment. Regrettably, I find myself incapable of attaining justice independently, and I am earnestly hopeful that your Bureau can undertake an investigation. I extend my gratitude in advance for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
It took less than one minute to open account online. There was no option to make this a non recurring deposit. 
Information on how to close account, recurring nature, penalties was hidden in fine print. 
When I wanted to close the account I was told I had to do this within 7 days of maturity to avoid penalty. 
When I attempted to do that I spent 1.5 hours in the phone : 1. Main menu after wells fargo premier line offers 4 for time deposit. Connects to credit card. They attempted to connect me to the " right '' person. Resulted in being back in main menu, 10 minutes holds and XXXX information ( can only be closed in person ). 
2. After one hour I got to customer advocacy which took 30 minutes to close account 3. I believe this is close to or actually is entrapment : it is next to impossible to close the account if you are not persistent and have 1.5 hours during working hours. You have only 7 days after maturity or incur a3 month interest rate penalty. And it takes less than one minute online to open this account but like XXXX XXXX doesn't let you leave Wells Fargo should not be allowed to have this product if it is not as easily closed as opened

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 2023-09-18
Company: U.S. BANCORP
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX letter to me stating they had transferred my Mortage Loan to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX as XXXX XX/XX/XXXX On XX/XX/XXXXXXXX XXXX XXXX XXXX over paid XXXX XXXX XXXX Ins twice to XXXX Homeowners Ins. with payments of {$1900.00} and {$1900.00} respectively. I only owed {$1900.00} ). 
XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXXXXXX  : XXXX XXXX XXXX. 
U S Bank XXXX XX/XX/XXXX U S Bank sent me an Escrow Analysis that they had completed and send to chase informing me of an escrow shortage and my moortage payments would b going up & XXXX, even though their analysis was mad on incorrect data on XXXX XXXX, XXXX XXXX and XXXX XXXX, XXXX and XXXX, I contacted all three parties in efforts to correct this. They would not correct the error on the excrow or my Mortage. My mortage is set to increase on XX/XX/XXXX. This is deception, abusion, discrimination and failure to communicate with me to solve this error by all three paeties listed above. I am asking for this Notice of Error to be Corrected by XX/XX/XXXX and my Motage monthly payments should be {$1300.00} as I also do not owe any more PMI insurance.

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 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX XXXX XXXX Dear Sir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : - Remove the unauthorized inquiry - Take steps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this inquiry, and I request that it be removed immediately. 

Please send me written confirmation that I am responsible for this inquiry, and take appropriate steps to remove information about this account from my credit files. 

Fair Credit Reporting Act,15U.S.C.1681s-2 ( a ) ( 1 ) ( B ). 

Enclosures : - FTC Identity Theft Report - Notice to Furnishers of Information Thank you, 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 2023-07-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Rushmore Loan Management Services was assigned my loan from XXXX XXXX for my property during COVID and tried to foreclosure on my property and would not work out or approve a loan modification. I filed for Bankruptcy to stop everything and tried to do a modification through the bankruptcy court. They would not approve me. I then applied outside of bankruptcy court again and they still won't approve me. I make plenty of money, however the housing prices went sky high after COVDI in Florida and I believe they want to kick me out and sell my house for a very high price! I am a single elderly woman and I am being discriminated on. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies. 

I would like this account to be legally deleted from my credit report as i have taking the step from credit litigation against you guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Reliant Capital Solutions, LLC
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Reliant Capital Solutions LLC has called me on multiple occasions. I have attempted to call back with no responses. This time, I picked up the phone. The man on the line, named XXXX, immediately asked me if I was my sister. I said no, who is this? And he immediately said is she around? I said no, who is calling? And he said well Ill try again later and hung up. I called back again and a woman informed me finally of WHAT the company even was and that they needed to discuss my SISTERS dept. According to the Fair Dept Collection Practices act, it is illegal to contact family members regarding an individuals dept.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
Company: DISCOVER BANK
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to DISCOVER BANK XXXX and DISCOVER BANK XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or DISCOVER BANK 's customer service representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
In the month of XXXX I deposited extra money to my Capital One account. I have had my card for many years. I wanted to buy a plane ticket. From that moment on, my account was blocked. But they just ignored me, the transaction was suspicious, that's why I sent them my identification but they didn't accept it. I asked to speak to the supervisor but there was no positive response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Coinbase, Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I had a Coinbase Account with Virtual Assets in it. The account was hacked. The hacker bought more currency against my knowledge then transferred all the assets out of the account. I was not notified UNTIL my bank flagged a purchase request for {$25000.00}. I called and immediately. Reported the fraud. Then went on to report the unauthorized activity and ask if I could seek recovery from Coinbase. For the last year, I generated multiple support tickets, tried to call them, sent separate emails. Coinbase initially confirmed that the issue has been reported and that they would reach out to further help me with the case. Instead, I would not get any more contact and the ticket would be closed. Coinbase also consistently locked my account over and over. Then filed yet another support ticket, again they locked the account. I got it unlocked recently only to discover that Coinbase had not help me with recovery or reported the fraud. They were also trying to charge me an additional {$2500.00} on top, with claims they will be forcibly collecting it in 5 days. I have already notified my bank to stop unauthorized transactions from Coinbase.

I would like to recover the funds stolen and stop coinbase from trying to collect funds they are not owed. 

This is how much the hacker stole from my account without any warning from coinbase. 
Sent Bitcoin XXXX BTC on XX/XX/2020 Sent Litecoin XXXX LTC on XX/XX/2020 And now this is what they are trying to charge on top Coinbase Charging {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: OneMain Finance Corporation
State: NJ
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
In XX/XX/2019, I was not in the right mental state and, subsequently, was admitted to a mental health facility. It was during this time that I obtained the loan from OneMain Financial. I was advised by a representative from your company that obtaining this loan would help build my credit. However, I was also coerced into purchasing additional insurance as a precautionary measure. 

As a result of the XXXX XXXX I faced significant challenges in paying off the loan, as I was unable to work due to my mental health condition. I was informed that I needed to be collecting unemployment to qualify for the insurance coverage that would assist in paying the monthly bill. This placed me in a precarious financial situation, compounded by the fact that I was also undergoing outpatient treatment for my mental health. 

It has come to my attention that the CFPB has issued an order against OneMain Financial for deceptive sales practices and failure to refund interest charges to customers. This order highlights the unethical practices that were employed during my interaction with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
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: Information belongs to someone else

Complaint:
I have reached out to XXXX, XXXX and Equifax in written email and verbal communication without any success. I have been a victim of identity theft in which all three credit reporting bureaus have a copy of the police report. XXXX XXXX XXXX XXXX  is listing an account that isn't mine! I have reached out to all three credit reporting bureaus for over 12 months and the disposition is that where've in the midst of a COVID-19 pandemic and its taking longer. I understand but the law states 30 days sand its ben 1 year if not longer. 

I've reached out to the merchant XXXX XXXX XXXX XXXX  on XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX without any success. 

I've reached out to all three bureaus on XXXX XX/XX/XXXX XXXX/XXXX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: EQUIFAX, INC.
State: DC
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 DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602p. BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF PEJURY. Pursuant to 18 USC 8. I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2, company also has NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4. I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: ENCORE CAPITAL GROUP INC.
State: AL
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:
XXXX XX/XX/2023 contact debt collector midland credit management with intent to pay full balance. Debt collector stated that they would take off 30 % of full balance. I was assured that it would not affect reporting and it would be a deletion. Asked for a settlement letter as well. I was advised that it would be removed from the account and that they would furnish a letter to confirm agreement. Received settlement letter with amount that was agreed upon. Week of XXXX XX/XX/2023. No validation of payment or payment a letter stating it was paid in full. Call mcm for the receipt of payment and also the fulfilling agreement of deletion. Debt collector also stated that there wasnt a payment. Debt collector told me to shut up and that I keep saying the same thing over and over again. Until I told him I have a copy of cashed check distributed. Which he quickly found. Mcm reported that it was still in collections XXXX XX/XX/2023 and wasnt paid. The debt collector threatened with legal consequences to pay the 30 % off and also that they would continue reporting the accounts as he wish due to me disputing with credit bureaus. I advise debt collector that I was going to make a complaint for false information them reporting open accounts open with owing over {$580.00} for the month of XXXX also, report the threat of legal action and refusal to honor terms of deletion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am trying to open an account with Bank of America. About 5 years ago I opened XXXX accounts. I am trying to pay off the balance so I am able to rebuild my banking relationship. I would like to work with XXXX person to get this resolved.

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