BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-19
Company: Mid-Michigan Collection Bureau
State: MI
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 have disputed inaccurate information with MID MICH and XXXX for 3 months regarding accounts that are not mine. 

Midmichcb Opened XX/XX/2014 {$25.00} Original creditor : XXXX XXXXXXXX XXXX Midmichcb Opened XX/XX/2014 {$25.00} Original creditor : 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 2019-05-01
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:
Experian and XXXX are reporting incorrectly that I am 120 days past due on the XXXX/XXXX - account numbers XXXX and XXXX. ( Please see pages 3 and 4 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2020-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I wanted to buy my XXXX yr old son a new car for his birthda. I got my credit pulled at the dealership. There was stuff on my credit that I have never seen before. Please remove these things from my credit.

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 2021-06-05
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
I was trying to buy {XXXX} worth of Bitcoin from Coinbase. I was charged three times for the Bitcoin so roughly around XXXX {XXXX}. I have not received any of the cryptocurrency but have been charged. The part that is odd to me, is that my three transactions do not show up on my recent history when on the Coinbase application. I have read online there are others with a similar story. I have contacted Coinbase but havent heard back from them since I filed a complaint with them on Thursday. I want the cryptocurrency or my money back ASAP. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: EQUIFAX, INC.
State: MI
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 have been disputing this account for 6 months with XXXX XXXX, XXXX, Equifax and XXXX. This account still remains. 

XXXX XXXX XXXX Last reported : XX/XX/2018 {$410.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Both me and my husband XXXX XXXX tried to open checking accounts with the Bank of America in XXXX and I tried again yesterday and were denied. 
Bank of America refuses to provide justification for the denial which makes us very concerned as we have been unable to address any issues and potential fraud under our names as a result of the Bank of America failure to disclose the reason for the denial. 
We did find out that there was an alert put in the Bank of America in mid XX/XX/XXXX to not engage in business with us with no explanation. 
Please note that at this time ( XX/XX/XXXX ) we did sell a house we had a Bank of America mortgage on to XXXX XXXX through XXXX XXXX in XXXX XXXX Michigan. The whole thing was odd as the title company had the order of the Bank of America and XXXX XXXX XXXX XXXX liens/mortagages on the property wrong and did not think this was a big deal. We asked for corrections, had to meet twice and ask for corrections and reassurance that the titlework was appropriate. We also added note on the title paperwork stating that there was pending civil litigation and that the XXXX  XXXX XXXX XXXX foreclosed on the loan and conducted Sherriff sale WITHOUT having first position but we we were ignored. XXXX XXXX in a recent police report is now falsely stating he was not at the closings even though HE was the one as well as the title company who was pushing for the sale. If the Bank of America denial of an account is indeed related to this transaction given the timing WE NEED TO KNOW SO WE CAN ADDRESS THIS.

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 2021-10-08
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a letter regarding inaccurate info and unknown things being on my credit report to XXXX, XXXX, Equifax 60 days ago.I have not received as response yet and seems as if my disputes being ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have been disputing this account for 6 months with XXXX XXXX, Transunion, XXXX and XXXX. This account still remains. 

XXXX XXXX XXXX Last reported : XX/XX/2018 {$410.00}

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 2019-05-01
Company: WELLS FARGO & COMPANY
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Took out credit interest free for 18 months with Wells Fargo through XXXX for a couch on XX/XX/XXXX. The first bill was due on XX/XX/XXXX for {$55.00}, I paid on XX/XX/XXXX {$100.00}. The second payment was due on XX/XX/XXXX for {$55.00}, I paid on XX/XX/XXXX {$100.00}. The third payment was due on XX/XX/XXXX for {$55.00}, I paid on XX/XX/XXXX {$100.00}. The fourth payment was due on XX/XX/XXXX for {$55.00}, I paid on XX/XX/XXXX {$100.00}. The fifth payment was due on XX/XX/XXXX for {$55.00}, I paid on XX/XX/XXXX {$100.00}. The sixth payment was due on XX/XX/XXXX for {$55.00}, I paid on XX/XX/XXXX {$60.00}. The seventh payment was due on XX/XX/XXXX for {$55.00}, I paid on XX/XX/XXXX {$100.00}. The eighth payment is due on XX/XX/XXXX for {$55.00}, I paid already on XX/XX/XXXX {$100.00}. As you can see I pay early and for more than the monthly payment. I have had to contact Wells Fargo every month starting in XXXX to have them " correct '' the incorrectly posted XXXX payment that they stated they received too early and didn't post as the XXXX payment. Every month I'm told they will reverse the late charge they try to charge me and fix my account. They have done this since XX/XX/XXXX and every month I receive a statement where they reverse the late fees and attempt to charge them again. I have been transferred to their " corporate response team '' since this affects my credit as well and again have been told twice verbally and in writing that they have corrected the problem. Yet still I continue to received statements trying to collect a late fee. I feel harassed and don't know what to do to get this resolved. It makes me wonder how many people they do this to and how many people just pay it to get rid of 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 monetary relief
Consumer complaint received 2019-05-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XXXX CITIZENS BANK ACQUIRED XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XX/XX/XXXX XXXX XXXX XXXX XXXX THEREAFTER. WE ARE HAVING DIFFULTY LOCATING SEVERAL ACCOUNTS IN THE NAME XXXX XXXX XXXX XXXX SS # XXXX OPEN IN XX/XX/XXXXAND SEVERAL ACCOUNTS IN THE NAME OF XXXX XXXX XXXX AND XXXX XXXX XXXX ( DECEASED XX/XX/XXXX-XX/XX/XXXX ). PLEASE FURISH ALL RECORDS ON ALL ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Citibank account holder ( the XXXX ) passed way in XX/XX/XXXX. At the time of XXXX the XXXX was a citizen and resident of XXXX. The XXXX maintained 2 accounts ( the " Accounts '' ) with Citibank for the benefit of his cousin ( the Beneficiary ). The Beneficiary is a Citizen and Resident of XXXX. The executor and the beneficiary have been trying since XX/XX/XXXX to get balance and accounting information and closure for the Accounts.. Citibank has imposed shifting requirements on the closure of the Accounts. Citibank has refused to provide the information or close the Accounts. 

Chronology of Events is as follows : XX/XX/XXXX - Executor sends notice of Appointment as Executor of XXXX XXXX XXXX. 

XX/XX/XXXX - In response to Executor 's letter requesting accounting and closure of Accounts, Citbank instructs that a certified copy of a XXXX certificate and notarized letter of instruction from Beneficiary is first required in order to close the accounts. 

XX/XX/XXXX - Executor provides Citibank with among other things ( 1 ) a certified copy of XXXX  Certificate ; ( 2 ) a notarized letter of instruction from Beneficiary instructing Citibank to close the accounts and remit funds to the Executor. 

XX/XX/XXXX - In correspondence Citibank advises that all documents must be in English translation and must include attestation from U.S. Consulate, Embassy, or Apostille. For the first time, Citibank informs Beneficiary that a Federal Transfer Certificate ( FTC ) will need to be completed. Citbank provides a telephone number but no one calls back after messages are left. 

XX/XX/XXXX - Citibank is provided with English translation and certification with Apostille of the following : 1. XXXX certificate of XXXX, 2. Notarized letter of instruction from XXXX. An FTC was not completed for the following reasons : 1. FTC requires the disclosure of account balances being transferred. To date, Citibank has refused to provide this information, making completion of the certificate IMPOSSIBLE. 2. Funds held by XXXX for the benefit of Beneficiary were never property of XXXX 's estate, but belong to Beneficiary, XXXX. Completion of FTC is not required for property administered by an Executor.

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 2021-06-05
Company: Mountain Run Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The Debt is for A business that has been closed for years. I requested documentation showing where I am personally responsible, and the contract provided only shows the business information, and none of my personal information. i never gave them any of my personal information to get this account open. it was all done under the business.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: EQUIFAX, 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:
To somebody who can help me please!! I am deeply very super upset about the enormous crazy things I see on my credit report these accounts are unverifiable invalidated in accurate and very much so questionable if everything is not reporting 100 % accurate it must be removed which it is stated in the FCRA 15 US Code 1681i last time I read it the law is the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX {$460.00} XXXX XXXX {$470.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: EQUIFAX, 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 had a collection account which I resolved with the company they gave me a written statement that the trade line would be deleted completely like it never happened before. I sent the documents to the credit reporting agencies but it still shows in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have an account from XXXX XXXX on experian credit report. It had been removed as fraud from XXXX and XXXX. Experian refused to remove it and my family suffered HUGE consequences. I settled with XXXX for XXXX and removal as during the pandemic I don't have 2 years and u can't get a court date so I was forced to pay under duress. Now experian is reporting the settlement as a payment and not a settlement nor have they closed they account. They reported I still owe XXXX on it and that was not the agreement. I shouldn't have had to pay the XXXX. It was only on 1 report for over 2 years. The way they abuse us is 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 2021-10-08
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: Account information incorrect

Complaint:
I had a HELOC with XXXX XXXX that was paid and closed in XX/XX/2016. XXXX XXXX continues to report this account to Equifax even after an agreement was made no negative reporting would be done after payment and closure. After several attempts to talk to XXXX XXXX, they refuse to stop reporting this closed account credit bureau. 
This account was paid and closed over 5 yrs ago and should not be reported. They report every month dropping my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I placed a direct dispute with wakefield on XX/XX/2020 they have failed to update with XXXX the status of the dispute and they failed to respond in a timely manner plus they failed to provide proof of this alleged debt as mine by providing proof with a wet signature or any instrument bearing my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: ALLY FINANCIAL INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Paid car loan in full, on XXXX19, was told title and lien release was mailed on XXXX19 and to allow 7-10 business days for receipt. Several phone calls after the 10 days to advise no title was received. Spoke to supervisor who DID NOT return call as promised. Still have not received it as of XXXX19. Have called multiple times to inquire. Each time was told to wait longer. Last call on XXXX19 was told " OH IT MUST BE LOST ''! Was told they will XXXX  XXXX lien release, paid in full documents and I would receive them in 1-2 days. Still no documents as of today, XXXX19. Another phone on XXXX19 indicated that the documents still HAVE NOT been sent out. currently waiting another return call.

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 2022-08-11
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was not made aware of the initial debt claimed of {$100.00} in XXXX. My address and phone number and all other contact information has remained the same. Furthermore, I have never been contacted by Designed Receivable So. On XXXX I received notification from a credit bureau of an unfavorable report to my credit Upon further investigation, I saw XXXX entries from Designed Receivable So. XXXX from XX/XX/XXXX in the amount of {$100.00} and XXXX from XX/XX/XXXX in the amount of {$110.00}. I was never contacted by the initial company, I was not made aware of the debt prior to it being sent to collections. I was not contacted by Designed Receivable So to attempt to settle the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: CREDIT ACCEPTANCE CORPORATION
State: LA
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:
Credit Acceptance erroneously reported a late payment on my credit report. This has significantly impacted my life. I am unable to get approved for a mortgage. Credit acceptance has refused to remove off my credit after several disputes and complaints to the creditor and credit bureaus. They customer service I received regarding this matter was very rude and demeaning. I would never recommend this loan company. They falsely report information that affects a customers ability to obtain credit elsewhere. I would like the sirurisriin to be rectified by Credit Acceptance removing the false report of a late payment off my report immediately. I have supporting documentation that states I have paid on time each month. My payments are automatically drafted each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX, 2017 I turned in my vehicle to XXXX because it was being bought back under the lemon law. I was issued cashiers check for {$45000.00}. 

I immediately went to union bank branch but it was already closed. So I used atm to deposit cashiers check at XXXX XXXX. 

Today on XXXX XXXX, I spoke to union bank and they informed me that a 10 days hold was placed on check, that no funds would be available until XXXX XXXX. 

I have to go to XXXX with my family tomorrow, as well as it is my birthday tomorrow. I have no vehicle now, had an appointment to get a new car today but obviously dont have the funds for it now. 

On the XXXX I have court and wont be able to go to that. Then on the XXXX I am going on vacation but wont be able to do that now either. 

How can union bank refuse to release any. Of my funds whatsoever, all they have released is {$200.00} dollars. My XXXX and birthday is about to be ruined.

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 2019-05-01
Company: Southwest Credit Systems, L.P.
State: TX
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:
This company has called me repeatedly using different lines and will not disclose what the phone call is about. They are asking me to verify information from 10 plus years ago and I am not comfortable giving out personal information to people or companies that I do not have any knowledge of. I have repeatedly ask them to specify why they are calling and they have refused. I have also asked each caller to stop contacting me immediately. My requests have been ignored and the contact phone calls have increased. 

This is now affecting my employment. The repeated calls have been noticed and remarked on my by employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: Experian Information Solutions Inc.
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:
XXXX is reporting on my credit report as a charge off and it was not a charge off. It was paid off. It is reporting inaccurately.

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