BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-16
Company: Diversified Adjustment Service, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
THIS IS A FOLLOW UP TO COMPLAINT # XXXX, I CONTACTED DIVERSIFIED ADJUSTMENT SERVICES INC TO SEE IF THEY WOULD DELETE THE COLLECTION ACCOUNT ONCE IT WAS PAID IN FULL AND THEY TOLD ME XXXX THE ORIGINAL CREDITOR WOULD NOT ALLOW THEM TO DELETE SUCH ACCOUNTS THEY CAN ONLY MARK IT PAID IN FULL. I WAS THEN ADVISED TO CALL XXXX TO SEE IF THEY CAN SEND AN EMAIL OR LETTER TO DIVERSIFIED ADJUSTMENTS PERMITTING THEM TO DELETE SAID COLLECTION ACCOUNT ONCE IT WAS PAID. XXXX STATED TO ME IT IS THE WILL OF DIVERSIFIED ADJUSTMENT SERVICES TO DELETE SUCH ACCOUNTS. I NEED TO KNOW IF I CAN HAVE THIS COLLECTION ACCOUNT DELETED FROM MY CREDIT REPORT UPON PAYMENT IN FULL. THIS IS THE LAST FORM OF DOCUMENTATION I NEED TO PROVIDE MY MORTGAGE BROKER TO MOVE FORWARD WITH SECURING MY HOME LOAN PLEASE ADVISE ACCORDINGLY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have no clue why my account was limited and it says Im not able to use payPal all of a sudden after literally receiving {$500.00} from a friend. This is so disgusting! While A global pandemic is happening, my money is literally being held from me and Im abruptly banned from EVER using PayPal without any sort of reason. I need my money the least, transferred to my bank. They cancelled the transfer then emailed me saying You can no longer do business with us I looked it up and they have a history doing this to people. Its so gross and absurd. They have a history of doing this same exact thing to people! I need my access back, and I need that money to be transferred. I have bills to pay and its Monday. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: M&T BANK CORPORATION
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My mortgage was transferred to M & T Bank on XX/XX/. Because I was in the process of a bankruptcy when my mortgage was transferred to M & T Bank, it was automatically sent to their bankruptcy department. I received and signed a reaffirmation agreement with M & T bank XX/XX/XXXX that was submitted and approved prior to the discharge of the bankruptcy. The time allotted to rescind the agreement ( 60 days ) ended over a month ago meaning that this reaffirmation is now legal and binding. I was told by my M & T representative, XXXX XXXX, that after the rescind period was complete the account would be released from the bankruptcy department and would also start reporting to the credit bureaus. This has not yet taken place. I have called numerous times over the last month to get this taken care of and my calls go unanswered nor will XXXX XXXX return any of my voicemails. Because this loan was reaffirmed, it has survived the bankruptcy as a valid mortgage and needs to reported as such. Payments to my mortgage company were always made on time prior to, during and after the bankruptcy and should accurately be reporting as such.

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 2021-03-08
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: Experian Information Solutions Inc.
State: AL
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: Investigation took more than 30 days

Complaint:
I sent letter certified to both XXXX  and Experian over 45 days ago regarding inaccurate accounts that are reporting that XXXX has already removed due to not being able to properly verify these account. I was under the impression that all reporting must be accurate as this is not the case. This is causing me more stress in my life and I would like to this matter to be resolved and not just an update that they are still working on it. According to the FCRA if inaccurate unverfiable information is not completed within 30days of receipt of the letter it must me removed. I have tracking information showing they have received my letter XXXX  XXXX # XXXX and Experian tracking # XXXX I thought you guys assist in protecting the consumers because its past 45 days and I should not have to deal with something reporting inaccurately that is no fault of my own. How is it that XXXX  was able to get this done and these two bureaus are not where is the accountability

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 2019-05-16
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX XXXX Reported : XX/XX/XXXX {$860.00} XXXX XXXX  XXXX Reported : XX/XX/XXXX {$250.00} XXXX XXXX  XXXX Reported : XX/XX/XXXX {$1200.00} XXXX XXXX  XXXX Reported : XX/XX/XXXX {$250.00} XXXX , XXXX. 
Reported : XX/XX/XXXX {$240.00} XXXX XXXX XXXX Reported : XX/XX/XXXX {$490.00} XXXX Reported : XX/XX/XXXX {$70.00} XXXX XXXX XXXX  Reported : XX/XX/XXXX {$1000.00} XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX {$0.00} XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX {$0.00} There are no contracts, no valid claims ... accounts were settled original with creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Hello, excuse my spelling ( I use a translator ) my language is XXXX  I have been a user of the Coinbae application for more than two months. 
Everything was fine so far I registered and provided all the official documents, for the verification of my person and to avoid fraud etc. 
The problem is that since XX/XX/2021 my account is blocked by Coinbase with the excuse that it is under review This after having registered for more than two months and with my verified identity Update my personal and work data etc. 
But the situation persists Unable to contact Coinbase customer service On the phone is a recording And by email a robot answers with the same answer always My money is blocked and I can't do anything Can you please help me get Coinbase to release my account Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
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 contacted all three credit bureaus XX/XX/XXXX to have XXXX XXXX removed from my credit report due to me not having a contract. XXXX removed this creditor from my credit report XX/XX/XXXX. However XXXX XXXX is showing up on Experian and XXXX. I have disputed this with a 2nd letter to Experian and XXXX on XX/XX/XXXX because I did not here back from them the reason it was on my credit report. After that I hired XXXX XXXX XXXX to correct this and XXXX and Experian still did not furnish me with a original contract proving that this account was mine as requested or deleting this from my credit report. I disputed this with CFPB XX/XX/XXXX and I looked up my results and spoke with the representative who advised me that they recieved a response back from XXXX XXXX stating that had no record of me which is not true. I provided a screen shot of my credit report stating that this was their name on my XXXX and experian credit report. Since this company is denying that they are not the company that is reporting Im asking Experian and XXXX to delete this company from my credit report or furnish the orignal contract from this agency, which they have yet to do.

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 2022-08-12
Company: Experian Information Solutions Inc.
State: CA
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:
These inquiries don't belong to me I didn't authorize them. 
XXXX ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX 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 2018-12-26
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: Credit card company won't increase or decrease your credit limit

Complaint:
I tried to increase my credit limit with capital one account ending in XXXX.I was denied and received two letters of denial.These are probally hard inquiries which will result in a change on my credit score.I didn't apply twice for a credit increase, only once.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Citibank overcharged us {$550.00} in interest. They sent us a letter to notify us, we did not discover this on our own as we pay off our cards every month. We called to understand how this could have happened, over what time period, etc. and were told they did not know but that they were sending a check to rectify the situation. Citibank breached their agreement with us as consumers. 

We told them them that sending a check was not good enough, we felt like they should pay us the interest on the {$550.00} they would have charged us if we had accidentally left that amount outstanding on their card. 

The agent demurred and said that was not possible, we canceled the card on the spot. Note we have been a Citibank customer for over 25 years with this credit card. We only have two cards, now down to one.

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 2019-05-16
Company: Knight Adjustment Bureau
State: UT
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: Problem with personal statement of dispute

Complaint:
Knight Adj Bureau and XXXX XXXX XXXX are double reporting on accounts # XXXX for Knight Adj and # XXXX for XXXX XXXX. These are the exact same account just with different numbers. They are double reporting and it should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I spoke with someone fro XXXX XXXX. Ive asked if they would update my credit report as XXXX does. Although Ive paid I dont see any results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: HUNTINGTON NATIONAL BANK, THE
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone tried to open a checking account by impersonating me and trying to steal my identity. The bank said they would close the account but the individual needs to be found that did this. I was alerted by email 4 times on XX/XX/2021 that a person had enrolled in online banking at the bank at " updated '' their email address to mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 morning, I am inquiring on the remaining negative account which are currently impacting the overall state of health of my credit. i is not fair to me that after several attempts at trying to correct the information with the credit bureaus, they have failed me once again. I am not going to hesitate on taking legal action if they do not wash out the negative, inaccurate and incomplete information off of my credit reports. What is the delay in response??? Why hasn't XXXX XXXX, nor Transunion resolved the issue with the accounts? the XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX collection accounts are still accurately and falsely reporting. The credit bureaus were able to remove all of the other history on my credit report, except for those two accounts. Please help me resolve this issue, I'd greatly appreciate it.

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 2019-09-07
Company: Pendrick Capital Partners Holding, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been dealing with this now since XX/XX/XXXX. XXXX Hospital Georgia has incorrectly attached this debt to my SS # and has been trying to fix their issue ever since. The billing from the main hospital has told me on multiple occasions that they have corrected this issue on their end and I was told they would also direct this to XXXX XXXX XXXX XXXX XXXX XXXX has not submitted this debt to the collection agency Affiliate Asset Solutions The debt in question is related to a homeless gentleman with similar name as mine, with a different middle name, and the hospital tied his billing to me. I live in Ohio. The only time I have visited XXXX Hospital was in the Winter of XX/XX/XXXX while in Georgia for on the job training.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: ALLY FINANCIAL INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The calls from Ally Financial first began in the earliest year of XXXX asking for XXXX XXXX whom I don't know. I informed them that they got the wrong numbers. The calls had stopped for a short period of time and backed up again and left me with numerous voicemails. The calls came in 4 or 5 times per day nearly every other day. Even three calls within 1 minutes. Most of the calls were either prerecorded messages or robocalls. It has been nearly 4 years with all of my efforts to stop the call harassment. 

In addition, I called Ally twice and sent a certified mail to Ally financial in XX/XX/XXXX explaining the wrong numbers and cease the call harassment. I am still to be left with voicemails and calls despite my letter as well as being on the National Do Not Call registry and Nomorobo system. 

The debt collection calls were meant for someone else that is unknown to me. The most recent phone numbers from which I received the wrong numbers debt collection calls are ( XXXX ) XXXX and ( 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 2020-02-04
Company: Credit Clearing House of America, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a false bill in the mail from Credit Clearing House of America from XXXX XXXX for {$390.00} on XX/XX/2020. I do not know either of these companies nor have I ever used an emergency medical service. I work nights and their call center is not open at the times I am available.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I applied for a credit card from Bank of America. This situation has happened to me by them once before, so I was more than a little miffed about it happening again. After applying for a credit card, they told me it was under consideration and it may take a few days before telling me of the approval status. As of today ( XX/XX/18 ), I  checked my accounts online through Bank of America, and saw that they opened a new account without giving me any notice at all, and took {$4000.00} of available credit from one of my other credit cards without notifying me, or asking me if I wanted to proceed with that. I did not have a decision at all in this. No call. No conversation. No asking to consider if I wanted to do that. They just did it. I did not apply for credit for them to take credit from one of my other cards. I applied for new credit to add to my existing credit. I have decent credit, and if they don't like it, they can just not approve a new account. This is extremely shady business practice, and can not be tolerated. Who else do they treat like this? And shame on them.

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 2021-11-10
Company: GOLDMAN SACHS BANK USA
State: OH
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:
My son is in the XXXX stationed in XXXX. This morning I tried to buy him a plan ticket to come home for XXXX. 

Tried 3 times and kept getting a time out due to payment issues. Originally tryin to purchase a flight for {$1100.00}. 

Contacted Apple Card and asked if they were declining payment for some reason and they stated they were not. Which I believed because I was not getting a message stating they were. 

Found a flight for {$950.00} and tried again and same issue. 

On hold with company for hours and they told me Apple was declining payment. I told them Apple was not declining payment. 

Tried a different company and the charge was declined but this time I got an authorization stating was declined and I was able to approve purchase but had to rebuy. Second time it went through. 

Tried to purchase insurance due to COVID issues and my card declined that purchase so many times that I was no longer able to purchase insurance. 

Because my card was declining purchases it cost me an additinal {$200.00} dollars for the flight and I am not insured ( meaning I can't get {$1100.00} if something happens and he can't come home ). The insurance was only about {$98.00} dollars that was declined so many times that my ability to buy expired. 

I tried contacting Apple Card twice about this issue and was ignore both times after message of please wait while we look into this issue. 

My credit limit is {$30000.00} with available credit of almost {$30000.00} this morning before I finally got a charge to go through. I also use this card exclusively. 

I am real upset for the following reasons : 1. I called and was told my card was not being declined when it was.

2. I was on hold/phone for over 5 hours before it was verified that my card was declining the charge.

3. Ticket cost me an additional {$200.00} due to Apple Card declining charge.

4. Unable to purchase insurance due to Apple Card declining XXXX dollar charge even though I authorized it multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: Early Warning Services, LLC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX at XXXX XXXX  I purchased ticket for XXXX Concert using Zelle for {$150.00}. 
The ticket was was supposed to be transferred to my XXXX  account. It was never done. The $ was transferred out of my XXXX XXXX XXXX  Account. 

The money was transferred to Zelle account XXXX under the name of XXXX XXXX. 

This is a fraudulent transaction ... future attempts to contact XXXX XXXX were never returned.

Company response to consumer: Closed with explanation