BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received notification via email on XX/XX/XXXX from Capital One that my credit card account was closed due to inactivity and responded that I did not want the account closed. I planned on making a significant purchase with this card in the next month. The closure of the account caused a drop in credit score and significant loss of credit line. I contacted Capital One via phone on XX/XX/XXXX to see if the account could be up and running again and was told no, the account is permanently closed and nothing can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: RentDebt Automated Collections, LLC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is for past due rent. 
Around a year ago, I had raised questions about why I owed XXXX $ ( there or about ) when the original amount was XXXX $ ( there or about ). 
When questioned they sent me a receipt of any damages, past due rent etc, which also included a pick up collection fee of XXXX $ ( there or about ). I found the CFPB website, and upon contacting Rentdebt automated solutions on XX/XX/2023, I was told the agent could not help me since I lived in Minnesota. So I attempted again XX/XX/2023, and when I questioned the representative about the CFPB website, I was informed that I should not be googling things, like how a when you go to doctor and you start googling things about what the doctor said. I had informed her, this was an official government website, I was informed the website was wrong Since we are collection agency we can charge a pick up collection fee, since it is for rent/property. 
I havent signed anything stating, a fee could be added/interest could be added. The representative told me the only 2 solutions are make a settlement amount, and or pay monthly/bi weekly/weekly

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: ERC
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 ORDERED MY CREDIT REPORT AND SAW THIS COMPANY ON MY REPORT SHOWING THAT I OWED MONEY.I HAVE SUCCESSFULLY PAID OUT THIS COMPANY AND RETURNED THEIR EQUIPMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: CAVALRY INVESTMENTS, LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX, I received a letter from Cavalry dates XXXX XXXX reading Cavalry is in receipt of a letter of dispute on the above-referenced accountBased on the investigation of the dispute, it is our position that the information we are reporting to the consumer reporting agencies regarding to the account is accurateWe are treating the dispute letter as a request for validation. We will write to you again within 150 days from the date of this letter. Prior to receiving this letter, requested for Validaiton of the debt in XX/XX/XXXX. 
On XX/XX/XXXX, I mailed 2 letters to the company via priority mail with tracking numbers. The first letter asked that Cavalry provide actual verification of the debt including details about the debt, the last billing statement, the date the original creditor claims this debt became delinquent, whether the debt is within the stature of limitations and how that was determined, and etc. which all follows under Fair Debt Collections Practices Act, 15 USC 1692g 809 ( a ). 
The 2nd letter was advising Cavalry that the debt related to the account number is expired and is passed the statute of limitations. This item was requested to be deleted from the account. 
On XXXX XXXX, I received another letter from Cavalry dated XXXX XXXX reading, We have reviewed the dispute and find the dispute lacking in any specific facts or information information which would allow us to conduct an investigationPlease provide us with the specific information that is being disputed and an explanation of the basis of the dispute. 
As of this date, the Agency fail to show proof the debt is valid,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Midland Credit Management filed a a case in XXXX Superior Court, Civil Division XXXX on XX/XX/XXXX. The case number is XXXX. On XX/XX/XXXX, a default judgement was entered awarding Midland Credit Management , Inc ( Midland ). {$2500.00} which included filing fees and court fees. 

On or about XX/XX/XXXX, I sold my first home. The above referenced judgement was attached to the sale of the property and Midland was issued a payment in the amount of {$2300.00} ( the amount of original balance ) from my sale proceeds. 

Prior to XX/XX/XXXX, this collection account did not appear on my credit report. I argue that this was never a collection matter as Midland filed suit to recover the delinquent account balance. Furthermore, the balance has been paid and should be removed from my credit report.

In summary, I am asserting that Midland has reported false information on my credit report and as such has negatively impacted my ability to obtain credit. This inaccurate information has been reported and filed with the three major credit bureaus ( XXXX, XXXX, and XXXX ). I would like this information to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
on XX/XX/2023 Wells Fargo decided to close my account because i received a wire that was not setup correctly from the person who sent the money to me. I explained that it was not my fault and they should go by the Fed # system related to the wire but they had frozen my account since then and set up a closer date on XX/XX/XXXX  and they extended the closure multiple times, ever time i call, they give a new date, it was supposed to close and today XX/XX/. they said, the closure date is XX/XX/XXXX  but i know they will extended it at that time again. 
This is not fair and i really don't understand why they are doing this, i can't use my money at all. 
I already went through the hassle to change all my payments/direct deposit to the new bank i opened. 
please help. 

thank you for your time

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 2023-11-03
Company: Remitly, Inc.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, a transaction was made with REMITLY money transfer ( ref # XXXX ) to transfer $ XXXX to my account XXXX XXXX XXXX XX/XX/XXXXXXXX Acct XXXX XXXX. XXXX sent a confirmation stating that the money will be deposited by XX/XX/XXXX Appendix 1. 

On XX/XX/XXXX, REMITLY sent an email confirming the amount was transferred toXX/XX/XXXXXXXX. Appendix 2. 

I did not receive the funds on XX/XX/XXXX and still waiting for the funds to appear into my account. Appendix 3 ) My sister in-law ( the sender ) contacted REMITLY on XX/XX/XXXX reporting an issue, REMITLY opened a case and and requested my bank statement to demonstrate the funds have not been received. The bank statement was provided as proof that funds have not been received on XX/XX/XXXX. 

XXXX sent another email on XX/XX/XXXX with the reference number XXXX stating the money has been transferred and received. I check my XX/XX/XXXXXXXX account and the money has not been received. 

Checked for reviews and found REMITLY has been a repeat offender,XX/XX/XXXX website is filled with consumer complaints on REMITLY. Need your help in resolving this issue and more importantly holding REMITLY responsible for the actions. 

Find attached the reference documentation. 

I can be reached at XXXX for more details.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: OneMain Finance Corporation
State: GA
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
One main financial has failed to comply with their agreement. I was told on a previous loan before refinancing to have additional purchases such as *if something were to happen* and I did. I put in a hardship XXXX weeks ago and called and they are just now returning my call requesting money for a missed payment XX/XX/2023 Prior to the missed payment I have tried to contact the XXXXXXXX XXXX  office. XXXX hung up on me during the conversation and I attempted to call back and she stated the XXXX will call back and a later time and hung up once more. Its so unfortunate that these XXXX XXXX  companies have employees that lie and are distasteful to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: TRANSUNION INTERMEDIATE 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: Personal information incorrect

Complaint:
Multiple address that is incorrect s reporting on my credit file XXXX XXXX CT XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2021-04-10
Company: Aldous & Associates, PLLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
case # XXXX - XXXX was closed after the response from the company stating " Your dispute was received and the debt was validated by the original creditor. If you have proof of cancellation or payment, please send it to our office '' This response has nothing to do with the Affidavit of truth that was sent out on XX/XX/2021 that wasn't responded to correctly and had nothing to do with the validation of debt. 

An affidavit unrebutted stands as Truth. 

Affidavit uncontested unrequited unanswered ( United States v. Kis, 658 F2d 526, 536 ( 7th Cir,1981 ) ; Cert. Denied, 50 U.S. L. W. 2169 ; S. Ct. XXXX XXXX ) " Allegations in affidavit in support of motion must be considered as true in absence of counter- affidavit. '' ( Group v. Finletter, 108 F. Supp. 327 Federal case of Group v Finketter, 109 F. Supp. 327 ) An Affidavit uncontested unrebutted unanswered, Morris v. National Cash Register, 44 S.W. 2d 433 Morris v. National Cash Register, 44 S.W. 2d 433, clearly states at point # 4 that " uncontested allegations in affidavit must be accepted as true '' A notice of Default and Opportunity to Cure was sent out on XX/XX/2021. 

You do not have the right to dictate the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern, I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it 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 non-monetary relief
Consumer complaint received 2023-10-24
Company: GOLDMAN SACHS BANK USA
State: CO
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX, my bank, XXXX, transferred from my savings account {$9600.00} to GreenSky. That is the full amount of my loan. Green Sky says they never received the money even though my bank has provided me - and thus them - the TR #, the transitioning number, and the trace number proving they were sent the money. I have talked numerous times with GreenSky on the phone explaining the situation. After three weeks I was finally given a Resolution team member to work on this. No results. Then I got her manager and she has not been returning my calls either.

Last week the resolution team member manager finally told that in early XXXX, GreenSky experienced an " internal banking error '' that resulted in payments across their company to not being properly credited. " All '' of their accounts are messed up. They can't seem to find a solution or know what exactly happened. Nor are they in any hurry to solve the problem and properly credit my account.

I was repeatedly told that it was my bank, BMO, that made the mistake and never sent the funds. Thus, I filed a CFPB complaint ( # XXXX ) against my bank when in fact I should have been filing this complaint against GreenSky last week. Since I now have transaction numbers, etc. to prove that XXXX sent the funds, it is GreenSky which has made the mistake, not been transparent about their " internal banking error '' of early XXXX, and has continued to deny the rightful resolution to this issue- the crediting of {$9600.00} to my loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ
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:
Vehicle was turned back in on XXXX, XXXX. All final settlements and payoff were completed by XX/XX/XXXX. Nissan Lease Trust / XXXX XXXX continues to report that payments are still being made through XX/XX/XXXX on XXXX. On XXXX there are reporting payments made through XX/XX/XXXX. On XXXX they are reporting a Collection on XX/XX/XXXX and payments made through XX/XX/XXXX. 

Incorrect payment status across all three bureaus. 

Account status is inconsistent across all three bureaus. 

Closed ( XXXX ) Paid ( XXXX ) Derogatory ( XXXX ) Nissan refuses to look into it. Credit disputes have not helped. 

Please remove this fradulently and illegally reported information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: DISCOVER BANK
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I DID NOT AUTHORIZE THIS ACCOUNT. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-16
Company: CAINE & WEINER COMPANY, INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is pertaining to XXXX XXXX XXXX XXXX. I enrolled with XXXX XXXX XXXX in XX/XX/XXXX. At that time I had 50 years driving experience and no points on my record. In XX/XX/XXXX I was rear ended by a XXXX that drove off and my car was totaled. XXXX did not investigate the accident being that it was in downtown XXXX with cameras everywhere which they could have easily done and I requested. I had pre-existing medical conditions, retained an attorney and was placed on medical leave. XXXX referred my case to Investigations, accused me of causing the accident which I still don't understand the rationale and made numerous derogatory harassing insinuations. I had no choice but to continue with XXXX who continually increased my premiums from {$200.00} to {$370.00} per month. In XX/XX/XXXX I could no longer afford the payments. The term was XX/XX/XXXX through XX/XX/XXXX. I made all the payments through XX/XX/XXXX. Being that insurance payments are paid in advance of coverage this covered XXXX through XX/XX/XXXX. XXXX canceled the policy XX/XX/XXXX. I insured with another agency XX/XX/XXXX. 

Since then XXXX has been sending me bills for {$360.00} alleging the XXXX bill. They placed a derogatory rating on my credit report. I disputed the item with XXXX and XXXX has never substantiated the item. Since then XXXX has referred this to Caine Webber Collection Agency who proposed an alleged settlement. When I disputed the amount with them. They sent a XX/XX/XXXX bill. I told them my last payment was in XX/XX/XXXX and then the insurance was canceled. They asked me to substantiate that I had insurance with XXXX. I asked them not to contact me again. I never gave them permission to contact me on my personal email.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
I had my stimulast check deposited on to the American express serve card on XX/XX/2020 but my balance on my serve card still says XXXX tried calling customer service and get a message saying they have no info on stimulast payments and hangs up called the irs and said to contact the bank got aletter today from the department of treasury stating my check was deposited into my acct ending in XXXX .. There is no other way to contact american express serve to talk to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: FL
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX 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

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 2023-02-19
Company: CCS Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Last year I got scammed. I was trying to sell my shoes on online platform and scammer counterfeit to buy a shoes. They asked for my name, address, and phone number so they can send the check to my address. I gave all that information to them, until I realized it is a scam. I filed a complaint immediately with the federal trade commission. XX/XX/2023, Credit Collection Services sent a letter to me, saying that I owe XXXX XXXX XXXX XXXX XXXX I don't even know the company. I just opened a mail from Credit Collection yesterday because I moved out for my college and my mom comes to visit me on my birthday so my mom brought the letter to me. I don't know what to do. I don't want this to be affect on my credit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hello i am a united states citizen and had some money invested in my Coinbase account in 2017, i went on a vacation to XXXX, and when on way back at airport i was checking the status of my account and upon arriving home, i received and email saying my account has been locked believing me to be a resident in a country in which coinbase is prohibited by law from doing business. I submitted the proper documents to prove that I'm am not a resident and my account is still locked i think they are taking advantage due to the amount of investments i had in there at the time. 

Please look into matter

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: LoanCare, LLC
State: MD
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:
On XX/XX/XXXX I had Bankruptcy chapter 7 and I own a house in XXXX XXXX XXXX. XXXX, MD XXXX and I was refinance my house with XXXX and my account was DISCHARGED IN BANKRUPTCY so my loan was never in my credit report, last month in XX/XX/XXXX this loan was transferred to LOANCARE their address XXXX XXXX XXXX XXXX, PA XXXX and my loan number with them is XXXX. 
LOANCARE send this loan to my credit report, I called them today XX/XX/XXXX at XXXX XXXX I was online for more that an hour with XXXX then XXXX to remove my loan from the credit report because I had this loan while DISCHARGED IN BANKRUPTCY but still no help. 
I want from LOANCARE to remove my loan from my credit report because of the BANKRUPTCY.

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