BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been trying to resolve this account for THREE months, I then receive a notice that my file has been updated correctly and then 2 days later it is back to having a balance. I have sent NUMEROUS letters and fax to all 3 credit bureaus to get this problem corrected, I have spoken to several customer service representatives about this issues again today XX/XX/18 I called all 3 credit bureaus AGAIN about this problem and a XXXX for the ( XXXX   team ) at XXXX  told me there is nothing she can do but keep filing a dispute. I have send them a letter regarding this account and now she is telling me they cant accept the letter because some of the letter has the account number encrypted. I'm very frustrated at getting this resolved and they are now in VIOLATION of FDCPA. my credit report should be updated immediately with CORRECT information!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23
Company: Debt Recovery Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This was reported and paid under travel restriction by XXXX credit card back in XX/XX/XXXX or prior debt recovery solution insist on reporting credit or debt knowingly it was identity theft I again paid to debt recovery solution today asking to remove from credit bureau I was XXXX when debt was accrued I need to restore my life and remove from all bureau spoke to XXXX they indicated they have no interest in this account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
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:
XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be past due on an account that has a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.

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 2019-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2019-09-23
Company: J. Mark Heldenbrand PC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX IS ATTEMPTING TO COLLECT A DEBT THAT IS NOT MINE, INACCURATE AND THAT I DO NOT OWE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23
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 wire transfer {$25000.00} from my XXXX XXXX XXXX account into XXXX XXXX XXXX  XXXX XXXX XXXX. 

XXXX XXXX XXXX has acknowledged that they have accepted wire and they have also confirmed with me that they received the wire and have sent the funds in the amount of {$25000.00} to Coinbase. 

On XX/XX/XXXX, I called Coinbase and spoke to a representative. Representative had no clue about a wire transfer and advised that the only way to escalate this matter was to email them at XXXX On XX/XX/XXXX, I emailed Wire Support ( XXXX ) and so far I have not received a response back. 

Their website indicates same-day delivery if funds are wire transfered by XXXX, which my funds were wire transfered at XXXX on XX/XX/XXXX. 

I would not panic if they would respond to my emails, but after reading online threads I feel very terrified that they been doing this to a lot of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2019, I submitted an application for a credit card with American Express XXXX XXXX. After purchasing a air ticket on XXXX with the new credit card account XXXX temporary account ), the publicity said that I should receive {$200.00} credit back on my statement after 2 or 3 billing cycles ( due XX/XX/XXXX ). Since then, I called the company multiple times and had a few chat conversations with Amex to ask I did not receive the credit. For my surprise, today, after 4 months, the company refused to give me the credit back, alleging that my credit history with AMEX was not satisfactory based on introductory offers and other products. I asked for a detailed explanation and the agent said that this was all for the moment. I felt completely misled by this bad publicity. I opened the account to get the credit back, and for some unknown reason, I did not get anything at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
i sent out a 609 letter XX/XX/2020 for all incorrect, inaccuracarcy, and for accounts that aren't mine and its been well over 30 days with no response from all 3 credit berueas.

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 2019-09-23
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: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In XX/XX/2020 an derogatory account was reported for {$9900.00}. I'm filing a claim under FCRA Section 611 ( a ) ( 1 ) A. I am in desperate need of this account being removed.

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 2017-11-23
Company: WESTERN UNION COMPANY, THE
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
XX/XX/XXXX -- requested information/documentation of Western Union transactions that I sent to ONE person. 

XX/XX/XXXX -- called to see why it has n't arrived. They told me that after all this time, it will take 21 additional days to process this simple request. I told them this is for an id theft/fraud prosecution and they STILL told me it would take 21 days to even e-mail me the requested information. 

I now must attempt to plead with the investigator of my case to subpoena this infomation from them before the id thief leaves town. I am a 2 time XXXX XXXX veteran and I got no cooperation!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
excuse my illetercy for my writing of my statement I took out a home equity loan over the phone from Well Fargo Bank around XX/XX/XXXX or XX/XX/XXXX for XXXX dollars for what I thought was for10 years on payment of aXXXX a month which I though I was paying the loan off to fine out in XX/XX/XXXXI was only paying interest only and still owe XXXX XXXX XXXX dollars I was pretty upset about the whole process of being had so Well Fargo started up a new loan with lower interest for 5 years at XXXX dollars a month I recently lost my job in XX/XX/XXXX of this year I notified them of this change and sent Well Fargo all the information to apply for hardship after they review all the document they decline me for assistance they sent me a letter of other resources I could use I took the option of a lump sump settlement they decline that offer to after I had to prove I had the funds available to pay I got another job and started trying to catch up on the back payment of the loan I lost this job and of course my unemployment stop so I fell back again i '' m employed again partime I called for assistance again I sent the nessersery document only to be ask for more I was wondering if I can get some help with this matter I have all ready pay this Bank over 18 ; 000 dollars a consumer that at end of solution of being taking by this Bank

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 2019-09-23
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX AFNI, INC. 
XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted 
from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious AFNI, INC. 
XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: EQUIFAX, 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:
Equifax ; XXXX and XXXX  are reporting incorrectly a collection in the amount of {$23000.00} on XXXX partial account number ****XXXX. ( Please see page 23 of the attached credit report. ) Number ( 1 ), this account is a business credit card account, and ( 2 ) this account should not be reporting at all on my 'personal ' credit report. Also, Equifax and XXXX  are reporting incorrect information on the XXXX partial account number ****XXXX. This account as well should not be reporting on my credit report. ( Please see pages 3 and 4 of the attached credit report. ) This inaccurate and incorrect reporting is harming my credit score and these multiple line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I honestly do n't understand this collection agency. I previously complaint about this agency and they told me to write a dispute. I did. They ask to close this file and states they are not doing any wrong.I ignored the fact that they kept hitting up my credit report during the dispute which I still have not received any statement detail with the expenses I owe and what services nor do I have a contract with Midwest recovery. I why are they keep hitting my report frustrating me. Could I get a lawyer for their actions and lack of professionalism it truly bothers me mentally when I do not owe this company and stressing trying to figure out how did they come about that amount. Below is proof they are constantly hitting up my credit report with negative activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23
Company: Account Recovery Service, Inc. (WI)
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX SOLD MY FRAUDULENT ACCOUNT TO ACCOUNT RECOVERY SERVICE AND WENT ON MY CREDIT WITHOUT VALIDATION, CALLED MY HUSBAND CELL 11 TIMES AND HAVE XXXX HARD INQUIRIES ON MY XXXX  CREDIT TREPORT. 

LASTLY, PAID XXXX XXXX I ERROR ANDREFUSED TO REFUND MONIES. XXXX XXXX ALSO, CALLED AND TRIED TO COLLECT SAME ACCOUNT. 

ALL OF YOU ARE IN VIOLATION OF THE DODD FRAN ACT. 

THERE ARE ATOTAL OF COLLECTIONS CLOWNS ON MY CREDIT, CALLED CELL, FAILED TO VALIDAATE DEBT, ALL ARE REPORTING ON ALL BUREAUS. 

YOU WILL BE SUED IN CLASS ACTION ALONG WITH THE OTHER CLOWNS AND U.S CELL.

Company response to consumer: Untimely response
Consumer complaint received 2021-06-04
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I contacted Care Credit Synchrony Bank to inform them I could no longer keep up the account. At that time customer service offer me a hardship program that was supposed to stop all late fees and interest, plus closed the account. The amount was agreed upon to be {$140.00} a month, which I paid faithfully. In XX/XX/XXXX, I was notified by email that my balance increased by {$1300.00} for interest applied. This contradict what I was told on a recorded line. When I asked for the manager to review the call and call me back no one returned my call, it's been over three weeks now. I requested a copy of the recording which Synchrony customer service rep advised me that would not be possible. I heard made several attempts to resolve this matter and the only option they have is for me to pay the balance in full to alleviate the interests which contradict the fact they put me on a hardship plan last XX/XX/XXXX. I'm requesting you investigate this company collection practices and audio recordings of my conversation with several reps that stated they never seen interest be applied to a closed 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
Consumer complaint received 2020-11-04
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
The following occurred On XX/XX/XXXX, my account balance went below {$100.00} On XX/XX/2020 I was charged {$15.00} for balance under {$100.00}. This is fine and I accept that. I then increased my balance to {$120.00} from XX/XX/XXXX onwards However, the {$15.00} maintenance fee on XX/XX/XXXX reduced my balance from {$100.00} to {$86.00} and triggered a different {$15.00} fee on XX/XX/XXXX. 

Thus the XXXX {$15.00} fee caused a second fee of {$15.00} in XXXX and in effect might be a violation of UDAAP or at the very least bad customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-06
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have gotten the card in XX/XX/XXXXof a credit card limit of 4000 sonce then I made 4 purchases and I have payinv the montly payments even when I was late i was charged the fee and there was no issue Now I am being charge {$780.00} for the month of XX/XX/XXXXon a " promotional revolving charge ''! I dont know what that is. That wasnt explained to me nor was it in any documentation that I agreed when purchasing furniture. Its not right and I want my whole debt cleared with them among with cancelling my card!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
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:
XXXX ; XXXX and Transunion are reporting incorrectly a collection in the amount of {$23000.00} on XXXX partial account number ****XXXX. ( Please see page 23 of the attached credit report. ) Number ( 1 ), this account is a business credit card account, and ( 2 ) this account should not be reporting at all on my 'personal ' credit report. Also, XXXX and Transunion are reporting incorrect information on the XXXX partial account number ****XXXX. This account as well should not be reporting on my credit report. ( Please see pages 3 and 4 of the attached credit report. ) This inaccurate and incorrect reporting is harming my credit score and these multiple line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.

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