BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-07
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
i recently opened a dispute and i lost it. i first purchased an item from XXXX on XX/XX/XXXX, a pair of headphones they didnt arrive, so i contacted XXXX they day they were  supposed to arrive, XXXX reps said the item was still in their warehouse and issued a refund. again onXX/XX/XXXXi try to purchase headphones again, fpr the amount of {$320.00}, opted in for same day delivery, item was not delivered. i contact XXXX and again they say item was in their warehouse still but couldnt issue refund since cut off time wasnt passed yet. the next morning i receive an email stating the item was shipped from their warehouse onXX/XX/XXXX at XXXX, so i tracked the item but it said it was scanned delivered on XX/XX/XXXX! i contact XXXX and they said they couldnt issue refund since this " issue ' had already happened to me once, the first case above, so i start a dispute with XXXX XXXX  issuer of the XXXX store card, and i lose the dispute because XXXX provided " delivered status '' so now both companies are not helping out, ignoring phone calls, emails that clearly say XXXX used inaccurate information and XXXX XXXX didnt go through a completed investigation. please help here, i am not paying for an item i did not recieve especially {$320.00} dollars!!

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had Wells Fargo within the time of XXXX and believe I am owed reimbursement of fees charged to my account in that time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: AMERICAN EXPRESS COMPANY
State: NM
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:
Gents,, American Express Credit Card reported to XXXX on XX/XX/2017 that I had two late payments ( see attached credit report ) I spoke to customer service regarding the issue.. The account was always paid in full on or b4 the due date..The LATE PAYMENTS WERE THE RESULT OF {$250.00} IN REWARD POINTS IN WHICH AMERICAN EXPRESS TOOK 60 DAYS TO APPLY TO MY ACCOUNT..I spoke to them and they refused to accept their negligence in apply the appropriate credit ON A TIMELY BASIS..

i CLOSED BOTH ACCOUNTS AT THAT TIME ..AFTER 20 YRS..THEY FAVOR THE MERCHANT AND NOT THE CARD HOLDER..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 written letters in which they claim they have not received. I have requested investigation because I know these accounts are not mine but to no avail. Transunion reports 14 loans. I spoke with XXXX who claims they did not double report and that I only have 7 loans in the system and they have no clue why these accounts are there yet Transunion shows they recently reported these accounts as of XX/XX/2018. XXXX did however send me proof of what they have in the system which drastically differs from Transunion.

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 2020-09-15
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:
I am a victim of identity theft. Someone unknown to me is using my name and information and may attempt to access my accounts or open new unauthorized and fraudulent accounts. I filed the report XXXX with the FTC and contacted the creditors and bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: TENET HEALTHCARE CORPORATION
State: MT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This collection agency has reported three different medical bills that the provider XXXX did not submit to insurance and they should have, I have called them, sent in a letter ( which is in the attached ) with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Using the Wells Fargo online banking site, I authorized Wells Fargo to withdraw {$5000.00} from my XXXX ( division of XXXX ) account into my Wells Fargo account. Wells Fargo successfully withdrew those funds out of my XXXX acct on XX/XX/XXXX. As of XX/XX/XXXX the funds have not been deposited into my Wells Fargo account. After submitting disputes and " research '' cases with both banks, I have learned that XXXX XXXX XXXX explanation is that they received the instructions from Wells Fargo and completed the transaction, and that they have no further record of anything beyond that, since the transaction was initiated by Wells Fargo. I have also initiated complaints/ disputes/research cases with Wells Fargo XXXX After weeks telling me they had no record of anything, Wells Fargo finally found transaction records. XXXX This was after XXXX XXXX provided me with a trace number for the withdrawal that was actually issued by Wells Fargo, provided below. ) Even after being given their own trace number, and receiving my written complaints clearly explaining that the transaction was initiated using the Wells Fargo online banking site, weeks of so called " research '' by Wells Fargo resulted in their " determination '' that they have no idea where those funds are, there's nothing they can do and I should work with XXXX XXXX to get my money back since XXXX XXXX  initiated the transaction ( which is completely inaccurate ). Wells Fargo also claims that they sent the incoming funds back to XXXX XXXX, supposedly because of internal fraud detection even though their own system initiated the transaction. The funds were never returned back to my XXXXXXXX XXXX  account and Wells Fargo has not provided a trace number for that supposed return of funds. The bottom line is that Wells Fargo took funds from my XXXX XXXX  account and has no idea where it is. It's been two months with no correction. Wells Fargo wouldn't even provide me with a provisional credit while trying to find my missing funds which I believe is required by law after 10 days, according to Regulation E. 

Even though their own weeks of " escalated research '' had it wrong, Wells Fargo has never disputed the fact they their own system initiated the withdrawal of funds out of my XXXXXXXX XXXX account. It is clearly their responsibility to handle those funds correctly. 

The Wells Fargo tracing number for the electronic withdrawal of funds is : XXXX The Wells Fargo case number that resolved nothing and was based on a completely contrary and inaccurate representation of facts 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 monetary relief
Consumer complaint received 2020-09-15
Company: American Coradius International LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from American Coradius International , LLC, dated XX/XX/2020. I received the letter on XX/XX/2020. The letter is for an alleged debt with XXXX XXXX XXXX in the amount of {$290.00}. I do not owe this debt as I have never had an account with XXXX XXXX XXXX XXXX I called XXXX XXXX XXXX, and confirmed with them that there is no account in my name, attached to my phone number, or the account number provided by the collection agency. 

On XX/XX/2020, I sent a certified letter, return receipt requested, to the collection agency. There are 2 addresses listed on the letter and I sent a copy to both addresses. 

When researching this, I found that the XXXX  has at least 174 complaints about this collection agency. 

I have also reported this to the U. S. Postal Service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: EQUIFAX, INC.
State: TX
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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX {$2700.00} XXXX {$1300.00} XXXX {$580.00} XXXX {$410.00} XXXX {$2300.00} XXXX {$330.00} XXXX {$590.00} XXXX {$840.00} XXXX {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: Experian Information Solutions Inc.
State: MI
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 disputed the inaccurate account XXXX XXXX ( XXXX ) collecting for ( XXXX ) in the amount of {$1000.00} on three different occasions to all three credit bureaus. The credit bureaus are not properly investigating or taking my disputes seriously. I am entitled to a fair, accurate and substantiated credit report. This XXXX continuous reporting this account and has not provided the credit bureaus or myself any substantiated or verifiable information that this has ever been my account. This is not my account and has never been my 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 2020-09-15
Company: Experian Information Solutions Inc.
State: AR
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 going back and forth with Experian, XXXX  and XXXX  on these accounts that reporting on my credit report. I reached out to them on XX/XX/2019 with no response from them at all. I have called about these items and disputed with a dispute Representative and still no outcome about theses accounts they just update with nothing changing. These accounts has been in forbearance with no payments that have to be made on them and I take care of my responsibility with keeping them in forbearance every year. These accounts are reporting current, then 90 days late, 120 days late, 120 days late, and 120 days late. How can that be when I have never been late and how can that be without being 30, 60, 90,  and then 120 days late that mean it's not reporting correctly and the late payments need to be removed or updated to current. They have also felt to send me validation of how they got they information showing me to be late 90 days, 120 days late on these accounts with the Dept of Education/XXXX. I sent out 13 letters to each bureau with no response from either bureaus. I just want this fixed and to report correctly.

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 2020-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 going back and forth with XXXX, TransUnion and XXXX  on these accounts that reporting on my credit report. I reached out to them on XX/XX/2019 with no response from them at all. I have called about these items and disputed with a dispute Representative and still no outcome about theses accounts they just update with nothing changing. These accounts has been in forbearance with no payments that have to be made on them and I take care of my responsibility with keeping them in forbearance every year. These accounts are reporting current, then 90 days late, 120 days late, 120 days late, and 120 days late. How can that be when I have never been late and how can that be without being 30, 60, 90, and then 120 days late that mean it's not reporting correctly and the late payments need to be removed or updated to current. They have also felt to send me validation of how they got they information  showing me to be late 90 days, 120 days late on these accounts with the Dept of Education/XXXX. I sent out XXXX letters to each bureau with no response from either bureaus. I just want this fixed and to report correctly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: CCS Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, NC, XXXX I have informed this debt collector, Credit Collection SVCS, in writing that during the validation process this alleged account should not be on my consumer report since it has not been validated and contains inaccuracies. Yet, this alleged account that has not been validated and contains inaccuracies is still reporting on my consumer report, which is an act of fraud. I can only assume that this is also an act of constructive fraud against me, a consumer, being that the reporting of this alleged account is in violation of the FCRA, FDCPA, and is a defamation of character. As a consumer I am requesting that Credit Collection SVCS removes this invalidated and inaccurate alleged account immediately. 

I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. Being that you are the information furnisher I am also aware that it means you are subject to the regulations of the FCRA, and oftentimes creditors, have a tendency to say that they are required by law to report alleged accounts to a consumer report, which is incorrect and misleading. Legally, you do not have the right to furnish anything to my consumer report without my written instructions to do so. Also, no consumer report should include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. A consumer report should also not include information solely about transactions or experiences between the consumer and the institution making the report. Please review the copy of the FCRA from the FDIC for your recollection.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Today XX/XX/2018 i received a current copy of my XXXX credit report. They did a re-investigation for me on an account that had fraudulent charges on it. There re-investigation shows that this account is NOT reporting on my XXXX  credit report. It was deleted off the report as it should have been. However transunion and XXXX   are still reporting it. I attempted to dispute it again online with transunion but they will not allow me onto the website even with a confirmation number. I am submitting this complaint about XXXX  and transunion as if they had done a thourogh investigation they would have received the same response to delete this fraudulent account off my credit report. I also was recently denied credit from XXXX XXXX  due to this account that dont belong on my credit report. It had caused me to be denied a credit card from 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 2020-09-15
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Because of being diagnosed with XXXX XXXX I was forced to break my lease early due to quarantine and travel restrictions to XXXX XXXX in XXXX fl. 
I contacted the the main office but due to covid 19 they would not let anyone in I did finally get to speak to someone in the office through a cracked open door. explained the above to them. and they would pass it on to the proper person. 
i left the apt in perfect condition as good or better than when we rented it. i did not hear back from them till i received a bill for more than three times what i would of expected. again I emailed the to explain the bill and show charges and credit for my deposit. But never heard back. 
Then I started to get phone calls from someone who never identified them selves. some call were as late as XXXX. finally receives an email that i responses to by mail. so far I have not heard back but they reported me to the credit bureau. 
the collection agency is Hunter Warfield -- XXXX XXXX XXXX XXXX XXXX fl XXXX Account number XXXX For XXXX XXXX XXXX -- XXXX XXXX XXXX XXXX   XXXX Ga. 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 2018-10-07
Company: RSH & Associates, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern, Account Number : # XXXX / RSH & Associates LLC. 

Reviewing my annual free credit report, ive notice RSH & Associates LLC negative account on my credit report. I have never heard, never signal a legal binding contract with RSH & Associates LLC or I have never heard or received any documentation from RSH & Associates LLC.  Understanding my rights, Ive requested under Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } requesting validation by a certified envelope from RSH & Associates LLC. Listed below Ive request the following information : What money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : Please provided a copy of a signed Health Insurance Portability and Accountability Act release form : I have not received anything from RSH & Associates LLC referencing I have a debt instrument with them. Per the Federal Trade Commission ( FTC ), RSH & Associates LLC is NOT following guidelines of what constitutes proper debt validation. I have NO contract with

RSH & Associates LLC, I am not obligated to buy for the alleged debt RSH & Associates LLC is the reporting inaccurate information on my credit report. Im planning to apply for a VA mortgage loan, and RSH & Associates LLC a
ccount is negatively impacting my ability to qualify. 

Thank you for your attention, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
XXXX  is not transferring my money to my new account. It has been over a month and they are not responding. I can only assume they are taking my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: CBC Companies, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX OH XXXX SS XXXX XXXX I am trying to get my address and personal information all correct and together. I was in contact with XXXX XXXX and I was told that I had to send in proof of address my information is being confused with another XXXX XXXX XXXX and I have never lived at these address listed below. I do not wish to file a police report unless I have to. Please delete these following addresses the are no a previous address or current address : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation