BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-02
Company: WELLS FARGO & COMPANY
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:
Good afternoon, My name is XXXX XXXX and I am submitting my concerns and complaint against Wells Fargo on my belief of discrimination, retaliation and intimidation by their employees towards me. 

On XX/XX/21 I called in regard to receiving collections calls while my account was under review with the above commentary. I advised them that I did not feel it appropriate for them to be contacting me while my account was being investigated with my concerns. I in no way asked them to place a cease and desist on my account, as I know that would prevent me from getting vital information about my account. 

I spoke with front line collection agents that we only concerned with collecting on the balance. and not my previous concerns that I advised them of. I then requested to speak with a supervisor. I was transferred to account resolution manager XXXX. From the beginning of the call you seem agitated that he had to speak with me. 

XXXX was extremely rude, condensing, and unprofessional throughout my entire interaction with him. He even continued this temperament after I advised him that I felt that I was being discriminated against. 

As it pertains to my credit report, Wells Fargo advised that my account was closed in XXXX, yet they continue to charge me interest, and fees and balance continues to grow. They have also removed and then put back negative remarks as it pertains to my credit card. This is where I feel retaliated against. 

I would like the call between XXXX and I reviewed and action taken. I would like to also understand why I agreed to make to half payments to clear my balance to XXXX and he never attempted to take the payment. Instead it appears that Wells Fargo continued to charge interest and damage my 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 monetary relief
Consumer complaint received 2018-01-22
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have an unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX  Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 2019-07-16
Company: AFNI INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am writing in regards to two collections on my credit report. I am unsure who the debt collectors are and they have not notified me in any form in regards to the debt they are attempting to collect. The account is showing they are on behalf of XXXX. I did not have a contract, not contact, with the collection company after the accounts were charged off and closed with the original party. The account was reported on XX/XX/XXXX, by XXXX XXXX XXXX, in the amount of {$480.00}, however closed date shows XX/XX/XXXX. The second account was opened on XX/XX/XXXX as well in the amount of {$100.00}, however the closed date shows XX/XX/XXXX. I am unsure who this company is, never communicated with them, and I have never signed  documents in regards to the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: Experian Information Solutions Inc.
State: IL
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:
Experian and XXXX have not complied with the provisions of the FCRA regarding blocking information from a consumers credit report when they have provided all the documentation to support a claim of ID theft. I have provided additional documentation from XXXX that affirm that my information was compromised in 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 2020-02-26
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX reported to all three credit bureaus ( XXXX, XXXX and TransUnion ) that my credit card account was close which resulted in my credit score dropping. I use XXXX to monitor my credit and get alerts. XXXX XXXX reported this incorrect information to XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and TransUnion 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 2018-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hi, My name is XXXX XXXX and I 've already contacted you regarding this matter. Amount of {$120.00} supposed to come to my bank account through the Quick Pay XXXX. However, it came to the different account with my old name XXXX XXXX. Please look into it deeply and do n't rush to say that you do n't see this transaction on my account. Of course, you wo n't see it, as I 've mentioned before I 've never received the money. 
If any questions call me at XXXX. 
Would love to get you help on this matter.

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 2018-01-22
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, I submitted a bank wire executed by XXXX XXXX XXXX XXXX. The Beneficiary Bank  is the XXXX XXXX XXXX. The beneficiary is Coinbase , Inc . The amount of the wire is XXXX dollars. On XX/XX/XXXX I received an email from Coinbase that my bank wire to Coinbase was rejected due to a mismatch in names. The email also specified that I was to receive a reverse bank wire within 7 business days, yet I have n't received the wire back to my account and it has been over a month now. It 's very disappointing that XX/XX/XXXX /Coinbase would take such a long time processing the reverse bank wire especially when the money is tide up and unable to be utilize. My Coinbase/XX/XX/XXXX account is XXXX. The case number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Bank of America had no right to foreclosure my husband had deceased and I was in the home and I am surviving spouse of mortgagee. The bank had a INACTIVE NOTE it is verified by XXXX XXXX XXXX and I had reported this but I had no proof at the time but they did know. Before my XXXX XXXX he had asked for the documents but they stalled him after he passed I took death certificate to bank but first death certificate had a cause of death pending so they said I would have to wait till it cleared to submit the next one for the insurance. By this time they gave me no notice of foreclosure. They kept delaying mail by sending mail to different address. I can prove this as well. I don't understand what good is it to have proof when no one will help me. I know the home was sold so there's no getting it back but they owe me for the 7 years I did not live there when I should have. They have no one to answer to it's as if there above the law and they just keep taking people 's homes. Why doesn't anyone do something? CFPB is suppose to help but how if you close my complaint as soon as they respond? Do you check there responds? How can you keep letting them get away with this I have been sending my complaints to everyone XXXX, FTC, XXXX XXXX XXXX XXXX XXXX, XXXX, OFFICE OF ATTORNEY GENERAL, XXXX, AND XXXX, AND NOW I WILL SEND ALL MY COMPLAINTS TO XXXX since that's were note originally started. It's been a rough 7 years moving back and fourth and the mental anguish my family and I have suffered because we have no home. The destruction of families caused by this bank is just terrible. And if it were I doing what they do I would be in prison by now. Does the law work for them or is the law working for the people? So now with this new information I hope you actually come down on them because if you don't more families are loosing there homes by the minute. Every minute you don't take action against them, another family will lose there home, so who's side would you really be on? I want them to pay me for every year I have not lived in our home that my husband paid for ... while in the XXXX and a XXXX  employee I don't think he served his country for them to disgrace him at death. I can't believe that this is regular business practices that they keep getting away with. I want justice for my husband and my children. We deserve it and I will not give up until we go to trial with it, only then I will stop complaining. When I know a judge has ruled on it because the first court I had was an eviction and I was not prepared for that either I never saw that coming because of there Trickory.

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 2019-06-01
Company: EQUIFAX, INC.
State: SC
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:
Denied credit by XXXX XXXX XXXX ref. # : XXXX based on 4 different reasons & " NO SCORE Available '' from Equifax ! I couldn't get logged online at Equifax.com, so I then called Equifax spoke with two repres., a supervisor from the XXXX , got nowhere, asked for a US supervisor got XXXX in Nevada ID number XXXX who was difficult, sarcastic, and uncooperative. He asked me to read the XXXX letter to him over the phone. I filed a complaint with XXXX because his supervisor he said was at corporate HQ only! After being frustrated by his lack of cooperation & smug attitude I simply requested a copy of my report to be sent to me. I then went online to XXXX, logged on without a problem, noticed that the info on me was wrong, incomplete, & misleading! The disputes I had made with them previously were confusing, incomplete, and Wrong! There were NO OPINIONS On their website to follow up and request corrections! My Employment at XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, are ALL Missing! A credit dispute with XXXX appeared as Deleted without the $ 10,000+ business paid them. I can go on! So I just requested a report to be mailed to me. They all are slanting info I favor of THEIR CUSTOMERS NO WE THE CONSUMER! We have to play and get sucked into their compound interest current credit/monthly payment game to get a higher score just so they make money! 50 years of great credit doesnt matter! Ah, I see you were 30 Days Late 5 years ago! Yeh but I was T-boned by a XXXX XXXX XXXX  who died and nearly killed me, XXXX XXXX. Refused to pay me a dime! Im permanently XXXX XXXX now, spend 98 % of my life in bed, in pain, on XXXX, and cant sleep! Im having to fight with these credit bureaus again and again Until they get it right? Instead of bombarding Us with their latest marketing make money schemes, get it Right, cuz This is WRONG!!!

Im contacting my Senator XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX! Hopefully they arent too busy trying to Impeach the White House to get anything we need accomplished! This is WRONG!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: EQUIFAX, INC.
State: GA
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:
Pleaseeee hellppp me and figure out why I have those accounts in my report. They are not mine but I am forced to file complains because otherwise I can not simply get rid of someone else accounts that are placed in my profile. This is ridiculous! I am very sad ... .. and its killing my report and my life planning .... Could you please investigate and remove them? I am hopeless that I can not do anything with wrong items in my own report ... Delete them after you make investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: Elevate Recoveries, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had a XXXX debt added to my credit report that I have never received any communication about and was not allowed the opportunity to dispute the item or ask for information to verify. I moved recently and have attempted to communicate with company through email about disputing the item but never received a response or call. I believe the company is not following laws by not sending communication to me and allowing me to respond to it, instead they reported it to the credit buries dropping my near perfect XXXX XXXX down due to a small debt. If the item would have been verified and I received the documentation necessary showing it was owed, I would have worked with the company. Again, I believe the medical debt is incorrect and I do not owe a balance. I ask it is immediately deleted from my credit and the company sends the required documentation and allowed me to dispute the item without punishing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous inquiry reporting on my Credit Report : XXXX XXXX XXXXDate of Inquiry XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I called last year inXX/XX/XXXX to request an Income Based repayment plan. I was paying {$590.00} per month. I was approved and my new payment which was due in XXXX was {$700.00}. I asked XXXX XXXX why they changed my payment to a higher amount without notifying me. Obviously the main reason to request an IBR payment plan is to lower your payment. They did n't have an answer for me. 
I called and told XXXX XXXX that I could n't afford that payment. I was assured that I would not have to pay it because they would extend a forbearance for the month of XXXX and I could just pay the new lower payment in XXXX of {$490.00}. Well, now my loan is delinquent because the forbearance was never applied. Instead of them contacting me via email or phone to let me know that they could not apply the forbearance, they just left it delinquent. Now it is more than 20 days late. I have already submitted my payment for XXXX but, I do n't know what I will do about the past due amount. At no point has XXXX XXXX shown any concern for my situation. I only need one month to bring my account current. I have never been late or past due before. I am very concerned about my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
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: Account status incorrect

Complaint:
I tried disputing these Items through XXXX and Trans Union and they still wo n't remove or update.

.Creditor Acct. # Standing Status XXXX XXXX -paid in Full XXXX XXXX XXXX - Paid in full even before they put on my credit XXXX XXXX XXXX XXXX Paid in Full XXXX XXXX XXXX XXXX- Paid in Full XXXX XXXX XXXX XXXX -Paid in Full XXXX XXXX XXXX XXXX Paid in Full XXXX XXXX XXXX XXXX Paid in Full XXXX  removed all of these since they are all paid in Full Trans Union removed all except 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 2019-07-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been disputing an account ( XXXX XXXX ) with Experian for more than 6 months. The account has been reported as closed with no monthly payments. I've provided Experian with a copy of my agreement showing that it's a revolving account, opened till XXXX of 2020 and the monthly payment is listed. I've provided statements from my bank showing payments made. I've disputed multiple alleged COs or FPs ( failure to pay ). The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) requires consumer reporting agencies ( CRAs ) to adopt reasonable procedures for gathering, maintaining, and distributing information and sets accuracy standards for creditors that provide information to CRAs. Unscrupulous companies like XXXX, who has been deemed illegal by the Supreme Court of California, should not be allowed by Experian or CRAs to use false reporting as a tool for financial bullying. An Information Supplier who is constantly making false report should be removed. Back in XXXX, Experian did delete the account. Then it was back on my report as a delinquent / Negative / Closed account, when I'm making payments every month. I'm caught in a vicious circle of dispute after dispute, update after update and need a final solution.

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 2022-08-10
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:
THIS IS ABHORRENT! I'm not familiar with this account. Why is my credit report being reflected there? I want this account to be verified! There is no agreement between me and this account.

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