BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter over to Transunion for investigation into the accuracy of the information that has resulted in a public record Bankruptcy. They sent a reply back within 6 days, when a proper investigation takes up to 30. I contacted the Federal court and they stated they do not verify any information over the phone. I would like Transunion to provide me with verified proof. I also did a dispute with XXXX XXXX XXXX XXXX XXXX reviewed the bankruptcy information. Case or ID # XXXX the results are : This item has been deleted from the credit file. If you have, additional questions about this item please contact : XXXX XXXX XXXX XXXX XXXX. Attached is proof of this account being deleted!!! Please follow suit and delete this information as well. I formally request that the following inaccurate items be immediately removed from my credit report. This must be removed in order to show my true credit history, as these items should not be on my credit report. Pursuant to the Fair Credit Reporting Act, I expect you to complete the removal within 30 days. Please send me an updated report as soon as your investigation is completed. Sincerely, 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 explanation
Consumer complaint received 2020-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
XX/XX/XXXX I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to XXXX, Transition, and XXXX. 


I didnt hear back so I sent a demand to comply with investigation on XX/XX/XXXX Today is XX/XX/XXXX and I still havent heard from these companies.

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 2021-10-13
Company: AmeriCollect
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I reached out to this debt collector to ask for validation of debt they failed to provide it and insisted the debt belonged to me. I always had health insurance, they couldnt even show me a picture of my ID because I know for a fact they cant provide it because I never was seen in the XXXX. I filed a FTC complaint and they still refuse to remove this from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Caliber Home Loans, Inc.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I got phone call from Caliber Home Loans on XX/XX/XXXX. 
They told me that I was due for pay for XX/XX/XXXX, and my previous loaner XXXX XXXX XXXX transfer service to Caliber on XX/XX/XXXX. 
Actually I had already payed until XXXXBut Caliber said they didn't receive it, and asked me to called XXXX XXXX XXXX to make sure the transfer. 
When I called XXXX XXXX XXXX, and they told me the service had already transfer .But XXXX XXXX XXXX XXXXonfirmed I payed it already and payment due date is XXXX requested document for payment history, statements and bank transfer history, and upload to Caliber website, but Caliber 's manager doesn't want to help me and still told me They will not use my documents to change anything.And Caliber asked to call XXXX XXXX XXXX  to FAX them.But now they still said it's not their problem and push to XXXX XXXX XXXX.The same thing when I called XXXX XXXX XXXX  they said they transfer everything very detail it's Caliber 's problem.They even don't want to call each other to verify.I do whatever I can do now.No one can help me .They just push.I need help because two accounts with two months payment it's around XXXX XXXX missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: Security Credit Services, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I requested validation of an alleged debt from Security Credit Services on XX/XX/2021. I then responded back via certified mail requesting validation. 

This was not honored. I have not received validation after 2 attempts which span over 2 months. This is against the law. 

In addition, the collection letter does Not bare my name which i informed them of yet they still attempt to collect.. 

Furthermore, A collection agency by the name of XXXX XXXX XXXX sent me a letter to collect on behalf of Security Credit Services stating that they now own this alleged debt and that they will now be solely responsible for perusing it. However, Security Credit Services continues to correspond with me illegally. 

They are adversely affecting my credit rating with this invalidated, alleged account. I informed them that they must stop reporting this account to my credit reports while this account is in the validation stage Yet they continue to report it unlawfully. 

I wont this alleged debt off of my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: Resurgent Capital Services L.P.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Prior to XX/XX/XXXX, I sent via mail XX/XX/XXXX what I could afford. 

Received an email XXXX XXXX with a contract, that was not what I agreed nor stated I could pay. 

XX/XX/2021 I called both the courts as I was sent documentation to attend. The jail stated I did not have to come into court if I made arrangements. I made arrangements prior to the court date. The law firm sent over a contract that was incorrect from what we argeed upon. I called them XX/XX/XXXX and discussed via phone also to have a new contract sent out to me via email like they did originally and I would sign with the correct agreement. They stated tey had to type one up and they would sent out the " new contract '' that was agreed to via phone- phone recording. 

No agreement has been resent to me since XX/XX/XXXX. I have the email chain showing this. 

Since then I have not reiceved any further documentation, nor agreement that was discussed. They have marked non payment on my credit when there has not been an argeement,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX is no longer my lender for these loans they fraudulently reported my loan was delinquent which it is not. The bank committed fraud by reversing my payments after being told I was refinancing the car loan in an effort to commit fcra fraud for the loan It is under investigation by the ncua The credit bereaus were told of this and that the reporting is inaccurate and they did not correct the credit report

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 2021-10-13
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
About the XXXX of XXXX I opened an account at Coinbase using a referral link, as described in https : //www.coinbase.comXXXX 

On the XXXX of XXXX I bought XXXX XXXX  XXXX Bitcoins, to get the promised promotion and receive {$10.00} USD, as described in menioned Referral program link. 

Several days after, and as I didnt get the {$10.00} USD, I contacted Coinbase Help Center to explain what had happen. They answered me that they were going to check what had happen and they would contact me. After spending several days without an answer I wrote to them on several occasions explaining what happened and that I had met all the requirements of the program and in all of them they replied that they were going to check it and that I had to wait for their response with a solution. Today they answered me for the last time saying that the case has been closed and that I have to open a new one, but I still have not received an answer to what happened, nor of course the XXXX dollars of the promotion. 

I ask you to help me and get Coinbase to fulfill the promotion and give me the XXXX dollars that must be paid. 

( Please excuse my XXXX, but I'm XXXX )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-21
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My bank balance on the XXXX app is n't always fresh or up to date. My bank has n't been sending over my info.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid 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:
Someone has been using my Capital One Credit card for purchases. They used the entries {$300.00} Credit over the limit to the point I owe {$320.00} I refuse to pay an amount I didn't use. The replacement card I requested still hasnot arrived after 3 weeks of me waiting. I can NOT access my account due to MultiFactor on the account which I do not have the number to open it. this is Outrageous I want the credit replaced and a new card ASAP. Thank you for your assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-24
Company: CONTRACT CALLERS INC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This agency, Contract Callers Inc, appeared on my consumer credit report. That was the first time Ive ever heard of this agency. They did not attempt to send me any mail regarding this alleged debt prior to reporting it to the credit bureaus. After seeing it on my report, I mailed this company a letter in XX/XX/2018 requesting them to verify this debt as required by law. It is not XXXX of 2018 and they are still reporting this on my credit report and failing to remove it from my report I have also attempted to contact the credit bureaus and have them verify this debt. They also are unable to verify and continue to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company XXXX has been asked to give the following : Original Contract with my signature Pay off Disclosure Interest Rate Disclosure Balance history Payment history Credit Insurance A check / payment from myself I have received none of the above. This debt has gone from XXXX to XXXX XXXX XXXX To the Bureaus. Take a look at the attached letter from XXXX XXXX XXXXXXXX XXXX. They claim they dont know the interest rate. Dont know the Last payment if assignee ( if any???. They have no contract, And to boot at the bottom of the letter is says : This is not an attempt to collect a debt???? WHY WHY WHY XXXX/Equifax are they on my credit report. And as of XX/XX/XXXX it is 4 years and that is the Statue of Limitation in my State of Pennsylvania ... ... soooooo REMOVE NOW!!!! On XXXX XXXX and XXXX it says the debt started XX/XX/XXXX, so thats 4 years, they have no payment history as you can see from their letter, and no checks, contracts anything. So you must remove by law, because im not being sued, this is not my debt and you must remove by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello We had a bankruptcy 13 years ago. On our monthly statement, which is never or sometimes mailed out, and all paperwork per Chase Mortgage they still classify us as in a " Discharge status ''. We tried many times to communicate to get this taken off our records. No one at Chase seems to have any knowledge to help us. We supplied paperwork to Chase to rectify this off our mortgage paperwork and their system. We feel that the slanderous and defaming information on our monthly statement is ludicrous. When we call Chase we are still diverted to a prerecord statement that is horrible and heartening to the Chase bankruptcy department. It is revolting at this point that something that has transpired 13 years ago. Still to this day we don't receive timely monthly statements. We pay on time and Chase does cash the checks very promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
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: Card was charged for something you did not purchase with the card

Complaint:
An ACH withdrawal in the amount of {$2000.00} was made against my credit card. It is fraud, not authorized by me or my husband ( joint account ). Transaction date XX/XX/XXXX. Appeared on my online statement XX/XX/XXXX. I discovered it XX/XX/XXXX and began formal fraud complaint with Bank of America. At least 5 follow up calls from me, and a discussion with local bank branch who also initiated a complaint. 
B of A maintains that I am financially liable for the amount, and that they will take 90 days to investigate if they choose.

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 monetary relief
Consumer complaint received 2021-10-08
Company: EQUIFAX, INC.
State: OH
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: Was not notified of investigation status or results

Complaint:
I am very upset with this issue. I sent a letter to the credit bureau on XXXX XXXX, 2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: FHA mortgage
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 raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

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 2020-03-24
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Under the current unforeseen and extreme circumstances we are living through, I decided to call my lender United Wholesale Mortgage , XXXX for assistance. I was hoping to delay my mortgage payments for 2 to 3 months since all my jobs have been put on hold. They offer what they call Payment Forbearance. The idea behind it is that you do not have to pay your mortgage for up to 90 days, but at the end of the Forbearance period, you would owe all the payments at once. They do offer the option to then make one payment, or make a payment plan. Now, let 's think about this for a minute. How is this of any assistance to anyone under financial hardship? This plan is based on the assumption that at the end of the pandemic, if the effects last only 90 days, people will have the ability to produce 3 times the amount of income, or let 's say 120 % of the income to meet a payment plan and make sure the # 1 lender in the country doesn't loose a penny or wait a few months to get their money? How is this allowed? How are this people not being controlled? Why is the government not protecting us from these ruthless financial institutions? 
I'll be filing complains with California, Michigan and the federal Government to start. We can be better than this. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This information was deleted off of my credit I was mailed a copy and Midland Credit who was the original debt collector and now I have another debit collector trying to get payment to pay off the debit. I spoke with XXXX XXXX XXXX  advising I am unable to pay the full amount {$1800.00}. They sent a summons before I knew XXXX and XXXX had the debit. The original lender did not contact me for payment and it was obviously sold to another debit collector. Now that I had it disputed here I am with a summons that I believe should not have been sent. I reached out but they could not help me settle this payment. I advised them due to covid-19 and unemployment I could settle for {$200.00} they declined the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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:
On XX/XX/2020, I placed an order through the Internet for a transmission for my truck with XXXX XXXX in Florida. The cost was {$1900.00}. They requested the full payment. I put {$1500.00} on my XXXX XXXX and the remaining balance of {$480.00} on Capital One. 
XXXX XXXX said it would take a few weeks. When I did not receive it as promised, In XXXX, I phoned them numerous times to find out about the delay. Each time, they gave me a new date. It arrived in XXXX, and I had it professionally installed. The truck could not be driven because the transmission did not have a forward drive. I phoned them to complain and was told they would fix it, but I needed to pay {$390.00} for the warranty. Also, I needed to send them the transmission core from my truck. When I refused to do this, I was instructed by XXXX XXXX, their Customer Loyalty Specialist, to ship the transmission back to them. I sent an e-mail to her on XX/XX/XXXX stating the reason for the return. She provided the shipping information, and I shipped it back on XX/XX/2020. I have a copy of the XXXX XXXX XXXX Bill of Lading and XXXX  XXXX  confirmed on the phone that it was received in XXXX. 
Because my truck had been out of commission for seven weeks, I had the XXXX transmission shop in XXXX XXXX rebuild my transmission. I paid them {$3500.00}. 
I contacted both XXXX  and Capital One and explained that I had returned the defective transmission to XXXX  XXXX. They credited my account. However after sixty days, Capital One put the charge {$480.00} back on my bill. They told me to contact XXXX  XXXX which I did numerous times. They said the problem is with Capital One. I have been volleyed back and forth without results. I contacted both of them on XX/XX/XXXX. Now XXXX XXXX claims they did not receive it back, and Capital One refuses to credit my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

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 2021-10-13
Company: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I send money to my mom at XX/XX/2021, But until now my money not yet arrival, soppose to be if my number account wrong or name bank or the receiver wrong they can't send but my money they already take and when i sen email to then waiting until this coming XXXX,, Until now nothing respon any more

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Bread Financial Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : XXXX XXXX # XXXX, COMENITY BANK/VCTRSSEC # XXXX, XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX

Company response to consumer: Closed with non-monetary relief