BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-22
Company: The CBE Group, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We filed a compliant last XX/XX/2020 with you all Ref. XXXX with you all and they were to stop any further actions due to not being able to produce docs that they were representing the Treasury Dept and DOD ( Dept of Defense ). They are now endeavoring to have our personal Oregon XX/XX/XXXX tax refund short paid by {$1300.00}. I am having to file an appeal that cost me {$280.00} for the OR Tax Court to review and stop this effort. Please help stop these unfair and dishonest practices from the CBE Group. They place this dis-information on file with the XXXX XXXX , Tax Courts and through the mail to focus on Federal employees and military. Then represent themselves as a third party contracted by the Government and believe if you owe the military or federal they settle directly through your paycheck. Please help reopen this claim against CBE Group and address this collector 's conduct of continuing to collect on a debt they can not back up with documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: State Finance Company
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I got loan with Broadway Finance around 2016 for {$500.00}. I have made XXXX XXXX/month on time payments since then, without making headway. 

XXXX mailed Broadway Finance a letter explaining my inability to keep making payments and asking them to not contact me. 

XXXX-XXXX- I received 4-6 calls a day from Broadway Finance as well as Broadway Finance staff coming to my house.

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 2021-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Their investigation did not fix an error on your report

Complaint:
XXXX  Deleted disputed information on my credit report after investigation and re applied inaccurate and false information back on my credit report. Im the victim of identity theft and I dont recognize one or more of the accounts on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX, account # : XXXX Account name : XXXX XXXX, account # : XXXX Account name : XXXX XXXX XXXX account # : XXXX Account name : XXXX XXXX, account # : XXXX Account name : XXXX XXXX  XXXX XXXX account # : XXXX Account name : XXXX  XXXX XXXX XXXX account # : XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: EQUIFAX, INC.
State: HI
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:
Equifax This is a request to remove the following inquiry that were made without my expressed permission XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
ON XX/XX/2021 TRANSUNION RECEIVED MY CERTIFIED DISPUTE LETTER BY US POSTAL SERVICE MAIL, BUT TRANSUNION HAS NOT RESPONDED TO MY DISPUTE AT ALL, THERE IS NO TRACE OF MY DISPUTE ON THE TANSUNION WEBSITE AND I HAVE NOT RECEIVED ANY INVESTIGATION REPORT FROM TRANSUNION< AND THE INACCURATE DISPUTED ACCOUNTS REMAIN ON MY TRANSUNION CREDIT REPORT! TRANSUNION CONTINUES TO NOT HONOR MY REQUEST OF AN INDEPENDENT INVESTIGATION OF THE DISPUTED ACCOUNTS I DON'T BELIEVE AN INDEPENDENT TRANSUNION INVESTIGATION WAS EVER DONE AND BECAUSE TRANSUNION HAS FAILED TO REMOVE THE INACCURATE ACCOUNTS THIS HAS CAUSED ME TO NOT BE HIRED BY A COMPANY THAT I REALLY NEEDED A JOB FROM, BECAUSE OF THIS HARM DONE TO ME AND FOR THESE VIOLATIONS BY TRANSUNION I REQUEST THE FOLLOWING INACCURATE ACCOUNTS TO BE REMOVED IMMEDIATELY : XXXX XXXX  XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # 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 2020-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 # XXXX is reporting lates to my account that I should not have. It has always been on auto draft and the debt was sold to XXXX XXXX at the beginning of 2018, however the new loan is also showing the same late. By law lenders are to give XXXX days for servicing transfer. I was never late and this should not have lates on 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 2021-09-22
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a phone call from ERC, or Enhanced Recovery Company on XX/XX/2021. I didn't speak to them and hung up, found out they were a debt collector by XXXX their phone number, made a debt validation letter and sent it to them via certified mail. I didn't receive a validation letter with paperwork about the debt until XX/XX/2021. They were supposed to send me a debt validation letter within 5 days and they did not. This debt collection needs to stopped and deleted. I have attached additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
HI There, this is XXXX XXXX, I have a Coinbase Account and I had XXXX lite coins before my account was hacked on XX/XX/XXXX, and all my lite coins were converted into bitcoins and transferred to fraudsters account. I'm also attaching proof of my XXXX account was attacked around the same time period and over XXXX were stolen overnight, but XXXX did stopped all the wire transactions and restored my account and all my stocks were restores as before the attack took place. 

But Coinbase would not do the same they have refused to give my coins back, it was possible because Coinbase does not take extra measures to have an advanced security system to detect unauthorized activity such as login from different device and locations and on top of that they would not take the responsibility. It's their fault if my Coins get stolen and they are responsible for protecting it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an account in XXXX of this year, with a bonus offer as follows : if I am able to make 2 direct deposits, each of XXXX or more from employer within 90 days of account opening, the I am to receive XXXX dollars as a one time sign up bonus. I have met the requirement by mid XXXX on which my employer made two direct deposits ( and two more later ) but I have not received any amount of bonus. I tried to reach out to the company, someone left a voicemail in my phone but when I attempt to call back over ten times no one answers during business hours.

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 2020-07-13
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi there, I have contacted this company ERC multiple times, asking them to remove the {$160.00} charge for internet service from my credit. I do not owe them any money. I have spoken to XXXX XXXX XXXX on two occasions and both times they have told me that the debt has been/will cleared because I am a long standing customer. 
XXXX XXXX XXXX has shady business practices, if one moves apartments, they create a new account for you and never cancel the old account. 
My original account was with XXXX XXXX XXXX. 
I have picture evidence from both the XXXX XXXX XXXX chat, XXXX and XXXX credit bureaus. All have told me that the charge has been removed from my credit. 
XXXX has yet to remove it from my credit report. 
XX/XX/2020, is the 1st time, and XX/XX/2020, is the second time I spoke to XXXX XXXX  XXXX. XX/XX/XXXX I got a letter from ERC about my debt to them. This is ongoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX : {$390.00}

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 non-monetary relief
Consumer complaint received 2022-12-15
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:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-13
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:
THE DISPUTED ACCOUNTS AND INQUIRIES HAVE BEEN CASUING SERIOUS DAMAGE TO MY CREDIT REPORT AND I AM NOT LIABLE TO THOSE REPORTING. THEY ARE INACCURATELT PLACED ON MY CREDIT FILE AND HAVE BEEN REPORTING FALSE TRANSACTIONS. I AM REQUESTING IMMEDIATE REMOVAL OF THOSE DEROGATORY MARKS AND INQUIRIES THAT HAVE CAUSED MY REPORT TO BE MEDIOCRE. PLEASE INVESTIGATE THIS MATTER AND HAVE THOSE 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 2020-07-13
Company: Receivable Solutions, Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I paid Receivable Solutions, Inc in full, {$130.00} and {$140.00} on XX/XX/XXXX. The checks that cleared were XXXX and XXXX, respectively. They admitted to the XXXX XXXX XXXX that they applied my payment to wrong accounts. XXXX  Case Number was XXXX. Receivable Solutions, Inc apologized for their mistake and reassured me that they would delete those two debts off of my XXXX. They promised it would be deleted by XX/XX/XXXX although, I paid it back in XX/XX/XXXX. However, these two debts from Receivable Solutions, Inc are still on my XXXX  credit reports. I would like these collections to be deleted from my XXXX as they promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: Experian Information Solutions 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-09-22
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am writing this letter in hope of recovering a missing mortgage payment I have made to Wells Fargo on XX/XX/2021 through my checking account aXXXX XXXX  XXXX XXXX On XX/XX/2021. I have always made my regular monthly Mortgage payment to Wells Fargo, yet they claim I am one month behind. 
Problem : When contacted to inquire about the missing payment, Wells Fargo claims, my XX/XX/XXXX payment was returned to my checking account at XXXX XXXX XXXX on XX/XX/XXXX as Revoked, and no further explanation was provided to why. According to my checking statement, no payments were returned by Wells Fargo. When contacted XXXX  XXXX XXXX about the returned payment, XXXX XXXX have denied ever receiving a returned payment. ( Please see the evidence ) Please note, prior to my XX/XX/2021 mortgage payment, my checking account at XXXX XXXX XXXX had more than enough money to cover the mortgage payment. 
As of today, Wells Fargo has closed all my claims against the missing mortgage payment, and informed me I am currently one month behind on my mortgage payment due to a revoked payment on XX/XX/XXXX. Also, XXXX  XXXX XXXX refused to open a new case to find the missing payment. 
I have all the evidence to prove that I have paid all of my mortgage payments since the mortgage was created. At this point, either the XXXX XXXX XXXX or Wells Fargo are holding one mortgage payment in the amount of {$3400.00} and not returning to me. 
Please help! 
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 2021-09-27
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  XXXX XXXX $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXX  XXXX-Balance {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX-Balance {$170.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) -XXXX-Balance {$100.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) -XXXX-Balance {$100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) -XXXX-Balance {$210.00} XXXX XXXX-Balance {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: CCS Financial Services, Inc.
State: GA
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

CREDIT COLL XXXX Balance {$170.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: DISCOVER BANK
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Hi thank you for your time. I applied for Discover it Student card on XX/XX/XXXX. When I was applying for it, Discover it never listed what kind of the address proof documents they accept. The result is, after my application, I was asked to provide immediately the proof of address I don't have. They only accept limited kind of documents and I don't have all of them. I have contacted them to discuss whether they accept other official government-accepted address proof, but I was rejected chillily. Also, I discussed with them whether they can extend my application, so I can apply for the exact document they required. But I was rejected again, chillily. They said they will decline my application unless I provide my address proof right now. And I was told that my credit points was already affected, because after my application, they pull my credit report immediately. They really should list what kind of documents they accept before the application. I lost my credit points for nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
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 am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Original creditor : XXXX XXXX. XXXX XXXX  XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$37.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Experian Information Solutions Inc.
State: NC
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 found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief