BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
While reviewing my XXXX credit report on Sunday, XX/XX/XXXX, I noted two items which do not belong to me and which I think may be related.

1 ) There is a home address listed that does not belong to me because have never lived in the XXXX. Please remove this misinformation from my credit reports. The incorrect listing is : XXXX XXXX Former Address XXXX XXXX XXXX XXXX   NEW YORK XXXX  2 ) There is a credit debt listed by a company with a {$830.00} debt listed I do not recognize but has the same address of one I do. Please remove this misinformation from my credit reports.

The unknown credit card company and balance is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ N/A Charge $ USD XXXXXX/XX/XXXX The known and acknowledged card company is called Renovate for a debt of {$810.00}. I paid that debt in full in XX/XX/XXXX. Its listing ( twice for some unknown reason ) is : XXXX XXXX XXXX XXXX XXXX, NJ N/A N/A USD XXXX XX/XX/XXXX A third error is with XXXX XXXX. After I paid my account in full, the bank closed my account and reported a derogatory comment. I have a XXXX balance and will never, ever do business with XXXX XXXX for its treatment of me both when I had my car financed by it ( which I subsequently refinanced at another financial institution prior to this transaction and since also paid in full ) as well as this credit card listed below. The error is that I owe it money which I DO NOT!

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT N/A Account closed by credit grantor $ USD XXXXXX/XX/XXXX I would appreciate these errors being removed from my credit histories. If you have questions, feel free to call me at XXXX. Thank you, 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 explanation
Consumer complaint received 2021-04-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2021 - Credit pulled by XXXX, XXXX XXXX, and XXXX XXXX XXXX. XX/XX/2021 - Credit pulled by XXXX. 

I did not myself request my credit to be pulled for any reason. I have no accounts with any of these lenders. 

XX/XX/2021 - I called XXXX and they suspect fraudulent activity. I also called Equifax and they recommended I submit a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Wells Fargo Home Mortgage has not provided any reason to why an California All Purpose Document why it was sign by a notary that states I personally appeared and as self but a Notary sign my signature. Wells Fargo Home Mortgage has not explained to why the document was sign by a notary but Wells Fargo Home Mortgage has not explained to why they state that's my signature when in fact it is not my signature nor was anything give to me prior to the Document being the all purpose that stated anything about power of attorney or corrections. There was nothing that has any other document that I gave any notary or wells fargo home mortgage permission to make any consent to a such document to make the instrument a legal binding agreement.

wells fargo home mortgage has not or want justify my signature and why some one forged my signature. Wells fargo mortgage has yet to get any document company to certify that it is or not my signature legally. its been nothing but fraud committed by wells fargo home mortgage.

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 2021-04-08
Company: Fay Servicing, LLC
State: SC
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:
The issue is this : I did a loan modification, requested by Divorce Court, with Fay Servicing. I did what they asked -- - 3 months ( XXXX XXXX ) paid as they asked. Then, Fay Servicing sent me the paperwork to finalize BUT they included my x-wife 's name on the notary agreement. They had to change that notary-requested paperwork AND THAT CHANGED THE ABOVE REQUEST FROM THEM MOVING THE 3 MONTHS OF PAYMENTS TO XXXX XXXX. 

ALL PAYMENTS FROM XX/XX/XXXX UNTIL NOW HAVE BEEN ON TIME AND IN FULL ... My knowledge of Fay Servicing , LLC, from XXXX, Illinois, is that they are a " fly-by-night '' mortgage company that hold unassuming clientele in bonds to them without due course. CREDIT ISSUE IS THAT FAY SERVICING , LLC, HAS CONTINUED TO REPORT ME AS 120 DAYS LATE SINCE XX/XX/XXXX!!! I HAVE CALLED THEM MORE THAN A DOZEN TIMES TO FIX THIS!! PLEASE HELP ME. 

THEY USE DIVORCE FROM A BLACK WIDOW TO BIND THE GOOD PERSON TO THEM BY USING " PREFORECLOSURE '' METHODS WHICH ARE NOT WARRANTED in any way ... .unsupported to say the least. PLEASE HOLD THEM ACCOUNTABLE FOR THIS EVIL AGAINST ME. 

IN MY CASE, AS A XXXX XXXX XXXX XXXX VETERAN, XXXX, I HAVE NO ABILITY TO REFINANCE OR USE MY VA LOAN ENTITLEMENTS AND GET AWAY FROM THEM. I WILL INCLUDE ALSO MY FEDERAL WORK HISTORY AS AN XXXX AGENT. I HAVE 2 XXXX XXXX FOR MY SERVICE TO THE USA!! MY X-WIFE IS BEING INVESTIGATED FOR CRIMINAL ACTIONS TO DESTABILIZE ME!!! THIS IS GOING FORWARD AT THIS TIME AS DOCUMENTS INCLUDED SUPPORT ALL I HAVE SAID HERE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this card account through XXXX and have sent the payoff letter to XXXX XXXX  but they keep harassing me saying the debt was not the other companies to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: Coinbase, Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
XX/XX/XXXX I sold XXXX BTC for XXXX after a XXXX fee to be transfered to XXXX. 

On XX/XX/XXXX I recieved notice that my XXXX account did not match my coinbase account, so the transfer failed. 

Also I recieved a second email saying XXXX blocked the transfer. I contacted XXXX and they said no attempt to send money was made. Coinbase is mistaken I contacted XXXX  and they said they have no record of any attempt. 

A coinbase CS rep then told me the issue was how I added the account via login, not manual account/routing number input, and then backpedaled to day XXXX as a whole is not supported. 

XX/XX/XXXX I talked to another rep who claimed XXXX is supported. I also recieved an email saying my XXXX account is verified and enabled for transfer. 

Finally I recieved a refund of the BTC/USD but it is pending until XX/XX/XXXX to be transfered to my XXXX account. 

This is unreasonable to hold my USD like this. My account has been credited, but they are holding the money longer than any BTC transaction should take. especially at a nearly 10 % fee of XXXX. moreover, the BTC has already been sold so they are technically holding my USD until the XXXX. 

I am pretty much certain this is not allowed. But moreso, I am expecting this transfer to fail on the XXXX so I am proactively filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I checked my Best Buy statement in detail and found out they have been charging me for over a decade for something called " Debt Protection '' which equates to almost half of my minimum monthly payment. This " Debt Protection '' is something I never consciously agreed to sign up for. A quick search on the internet shows that Best Buy has been doing this to people for quite a long time and there have been many filed complaints about this shady practice. I don't understand how or why it is legal for them to do this to consumers and get away with it. This is probably thousands of my dollars over a decade that has been going to this " Debt Protection '' service and not going to pay off my balance which I think would have been paid off by now. Instead as of my last statement, only around {$2.00} of my monthly payment is going towards paying off my {$2700.00} balance instead of the {$27.00} it should be, which is just awful. Not only that but there is no way I can pay off my promotional balances in time if they are charging me this fee and I'm only paying the minimum monthly payments. So over the last decade, how many promotional periods have expired and I've been charged even more interest strictly because of this " service '' they keep charging me for?

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 2019-02-14
Company: Experian Information Solutions Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Experian has not updated my auto account in 3 months as current and paid on 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 non-monetary relief
Consumer complaint received 2019-02-14
Company: Experian Information Solutions 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:
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX andXXXX  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 explanation
Consumer complaint received 2021-10-31
Company: Suttell, Hammer & White, P.S
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debt collection company was asked to verify the debt and didnt and now they are suing me. Their process servers have broken the law three time by entering a secured building without permission! This is illegal and abuse.

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 2019-02-14
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:
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: JPMORGAN CHASE & CO.
State: NY
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:
Last XX/XX/2020 after first getting no response to my fax request from last XX/XX/2020, XXXX XXXX XXXX XXXX. ( c/o XXXX XXXX ) in Georgia over the phone assigned me a reference number XXXX for their technical department to confirm to me by e-mail within a week why they are not able to complete my online registration and refusal to allow American expats to give either a fax and/or online access which our SSA ( Social Security Administration ) redressed when I filed a complaint that without a US mobile number I could no longer have online access to my account to avoid discrimination and the SSA received other numerous complaints they got from the evaluated 9 millions Americans living abroad Further, last XX/XX/2020, since over the phone XXXX keeps not being able to identify me and had thus much difficulty transferring me to their Consumer Affairs Deot. I also filed over the phone with their Consumer affairs office in Georgia a second complaint today ( their ref. XXXX c/o XXXX XXXX ) that the additional financial questions based on the credit report received at my Us mailing address and generated by phone do not match what's on the credit report which as a result unable customer reps to see my files and thus also transfer me directly without delay to their Consumer Affairs dept. located in Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
On XXXX XXXX, 2017 and XXXX XXXX, 2017. I had put in a dispute that there is this address that does not belong to me. I have never lived at XXXX XXXX XXXX, XXXX, Louisianna XXXX. It is still on my equifax report. Why has it not been cleared away after 2 tries? The only email that I have received was that you have received my dispute with a number. I hope we can get this resolved, finally. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-24
Company: Experian Information Solutions 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:
XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY XXXX XXXX Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY CHILD SUPPORT Show Details XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX COLLECTION ACCOUNT JPMCB - CARD SERVICE Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY MACY'S/DSNB Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY SNAP-ON CREDIT Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY XXXX Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY XXXX XXXX  XXXX Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY ALL FILED TO FTC

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 2018-03-22
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX 's acct # XXXX date:XX/XX/XXXX XXXX XXXX  acct # XXXX date:XX/XX/XXXX XXXX XXXX XXXX acct # XXXX date:XX/XX/XXXX I have disputed these acct 's to the credit bureau 's informing them again & again that I have not ever had theses accounts.

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 2021-04-08
Company: Medical Data Systems, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Medical Data System have committed several federal violations against me, a Private law abiding Federally Protected Consumer.The attachment show they created me a false account number, false open date, and false amount owed and I have never had a contract with this company and they are hurting my credit with this false information. I revoke all power of attorney to Medical Data System.Medical Data System does not have a certificate of Authority to do business in Alabama. Medical Data System have not sent me a dunning letter but they have put a fraudulent account on my credit report.Medical Data System do not have the authority to collect any money from me.Medical Data System is guilty of racketeering, forgery, and obstruction of justice.Medical Data System is in violation of the FDCPA and FCRA Violation of 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to Medical Data System, Violation of 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to Medical Data System. Violation 15 USC 1692e ( 2 ) ( A ) False representation of the character and amount of the alleged debt, Violation of 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.And a violation for collecting on behalf of another company 803 of fdcpa.Acccording to the FDCPA 1692H I am owed money for all violations

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 2018-04-15
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Wife XXXX XXXX and I each applied for and received an XXXX XXXX XXXX from Chase Bank in XX/XX/XXXX. Part of the benefits advertised in the credit card solicitation was a free night annually ( on account anniversary ) redeemable at any property in the chain with no cap. Our card anniversary date is in XX/XX/XXXX, with first one being XX/XX/XXXX.

In XX/XX/XXXX, Chase announced changes to their program restricting the anniversary night from redemption at higher end properties. This change would go in to effect for any anniversaries after XX/XX/XXXX, but NOT apply to cardmembers who signed up XX/XX/XXXX-XX/XX/XXXX until their second anniversary, allowing them to get 1 free uncapped night their first year. Why would applicants from XX/XX/XXXX be excluded from this exception, considering they never received even 1 single uncapped night, and have held the card longer than XX/XX/XXXX applicants? 

This was false and misleading advertising as well as unfair discrimination.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-27
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I obtained insurance on XX/XX/2018 {$280.00} because I needed to purchase a vehicle. made an additional payment on XX/XX/2018 for XXXX. I called to cancel the policy shortly after and on XX/XX/20118 was refunded {$150.00} and then {$4.00} My account was credited because XXXX was asked to cancel my account. There was no amount owed. I called back on XXXX and stated this via telephone. Now they are saying an amount is due.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: CITIBANK, N.A.
State: SC
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:
1. Received a hard credit inquiry from a company called CBNA on XX/XX/XXXX and I don't know who this is and what its all about. I just saw it on my credit report and want it removed. I called the company and they have no knowledge of what I was saying or trying to resolve. 

2. Received a hard inquiry on XX/XX/XXXX from XXXX and I don't know where this come from. I happen to see it on my most recent credit report so I called the company and was told that it was only supposed to be a soft inquiry and had no idea how it was reported as hard inquiry. This conversation took place on XX/XX/XXXX and the inquiry is still there.

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 2019-02-14
Company: Kriya Capital, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
http : //credencerm.com/ company has continuously been calling my job regarding a debt that has already been paid. 
in addition to telling them it has been paid and asking if the account reflects that, i have been told in order to tell me if it has ; that I have to verify my address, and my telephone number ( which I have ) they also are insisting I give them my social security number. even though I have given the account number on the paid bill. 

numerous calls were made to my job harassing me and telling me that I need to pay. 
again a confirmation number was given to them and they insist they need my social in order to continue looking at the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: EQUIFAX, INC.
State: IA
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:
On XX/XX/2021 I submitted a dispute with Equifax over multiple inquiries on my credit report. On the same day, they closed the dispute without any investigation taking place. Under Section 611 ( a ) ( 1 ) of The FCRA the CRA XXXX Equifax in this case ) is required to conduct an investigation or delete the item within 30 days of ANY information they are notified may be incorrect. When I called Equifax to inquire why an investigation had not taken place, they told me that I could not dispute inquiries and to contact the companies I have never done business with to remove them. The FCRA places no such burden on me as a consumer to do this. The burden is placed on the CRA to conduct an investigation or delete the item, period. XXXX v XXXX is a court case that has this exact same scenario and the court said that under Section 611 the CRA has to investigate inquiries.

Company response to consumer: Closed with explanation