BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-30
Company: Phoenix Financial Services LLC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
First of all, they have refused to validate the debts they claim I owe their company Per the FDCPA. Well I dont owe their company ANYTHING and thats why they cant validate these debts. 

Secondly, even after debt validation had been requested from them, they deliberately continued collection activity and have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable. 

Furthermore, Im aware of the many other complaints against this company for their illegal and unethical collection activity. So this really must be addressed and resolved. My next step is to bring media attention to this issue and also to take this matter to court if I have to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: WELLS FARGO & COMPANY
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:
WELLS FARGO defrauded me the case. was filed in the United States District Court XXXX District of XXXX XXXX v. WELLS FARGO & Co.Case number XXXX XXXX. They reported damaging credit from XXXX XXXX on customers like me. They charged me fraudulent settlement fees refused to apply payments when I did not pay settlement and reported late payments and still were until recently. They have not owned my loan sinceXX/XX/XXXX.I want them removed from my credit report they have harmed me enough. They refused to Allow me to modify my mortgage.when they sold.me to XXXX XXXX services. XXXX XXXX  agreed to let me modify my loan and WELLS FARGO forced my mortgage to foreclosure I had to file for bankruptcy because they would not let me modify

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 2018-05-10
Company: WESTERN UNION COMPANY, THE
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
On XX/XX/XXXX I made a transfer of {$72.00} once I realize I call and cancel the transaction XX/XX/XXXX. once is wasn't returned with in the 7 business day. I contact them once again and they stated that it was not cancel until until XX/XX/XXXX with additional 7 business then when it was not refund by XX/XX/XXXX that the 7 business date. I contact the executive team that didn't email me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Experian Information Solutions 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:
Went to my Experian credit report app and notice incorrect information 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
Consumer complaint received 2018-01-30
Company: Coinbase, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I submitted a case to Coinbase.com. The case ID is XXXX. 

My issue is I previously had an account with Coinbase shortly after they started doing business over 4 years ago. I have since lost access to the phone and email attached to my old account. This is not a new issue for Coinbase, as they have steps to restore access to your previous account on their website. 

I followed the help article for restoring access step by step. I created a new account, uploaded identity verification documents, and submitted a case for resolution. Since XX/XX/XXXX I have received one correspondence from Coinbase, which was a support rep giving me the link to the help article I already followed. That was on XX/XX/XXXX. I have updated information on the case multiple times since then in an attempt to gain their attention but they still have not restored access to my previous account nor merged the two. 

I understand with an influx of new users there may be a delay in handling support tickets, but two months is excessive and shows they have no sense of urgency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: GLA Collection Company, Inc.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. GLA has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: Second Round Limited Partnership, Austin, TX Branch
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
You have 1 account in Collections Account Name Original Creditor Open Date Balance Debt Contact Information SECOND ROUND LP XXXX XXXX XXXX XX/XX/2017 {$600.00} {$600.00} XXXX XXXX XXXX XXXX  XXXX, TX XXXX ( XXXX ) XXXX This account has repeatedly shown up on my credit report even after proof has been provided that it's not mine. I have no luck with communication with this company and no responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: Financial Credit Service, Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX, ARA Inc. contacted me and left a voicemail stating that if I did not respond immediately, they would be sending a locator to find me and also issue a warrant out for my arrest. On the same day, they contacted my mother and let her know that I owed a debt and that they were sending a locator to her house to find me and to issue a warrant out for my arrest. After my mom told me this, I contacted ARA where I spoke to a representative who was insanely rude. I asked her to send me validation of the debt and she hung up on me. I then called back, referenced the case number they gave me, and the woman told me again, that if I did not comply I would be arrested. I let her now that I had absolutely no clue of this debt. I also told her to not contact my mother and do not send anyone to her house. After hearing that, the representative hung on me. Again, a representative, Ms. XXXX, called my ex husbands grandmother to ask to speak to me. The representative let her know that I owed a debt and that if she didnt hear from me today, they would be issuing a warrant for my arrest. This is getting completely out of hand. Ive asked for a validation of debt which I never got. They have contacted family member and spoke of this debt and threatened to pursue legal action. This is not right! Ive had to change my number because they would call my phone up to four times a day and leave threatening voicemails. I just want them to leave me and my family alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: Experian Information Solutions 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:
This issue is an existing problem which Experian wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error 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 2015-06-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received the recorded call on a Sunday. Our credit is perfect and we do not owe anyone. I am tired of these scams calling and want them to stop. The company was Portfolio Recovery and we have never done business with them before.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Experian Information Solutions Inc.
State: MA
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 received an alert that I had a 30 day late on my mortgage and I have never been late. the amount they are claiming is not even the amount i pay monthly. also, I have been in with mortgage company and dealing with an appeal about this and it is still going on but I have still paid my mortgage on time. I want this fixed immediately with all bureaus The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act has forbearance and credit reporting requirements that may apply to your situation. ... Some lenders are also saying they will not report late payments to credit reporting agencies or are waiving late fees for borrowers due to this pandemic.XX/XX/2020 I am not late!!! see attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: Veros Credit, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I opened an auto loan account with Veros Credit in XX/XX/XXXX to purchase a vehicle. The initial balance was around {$12000.00} for a 5 year repayment term. After paying for at least $ 500+ a month for 18 months, a total of {$9000.00} in total payments, the vehicle was repossessed in XX/XX/XXXX. They tried to collect for {$11000.00}. I was only given {$1000.00} in credit for the total payment I made in those 18 months. I sent a debt validation letter demanding an itemized deduction and justification for the collection amount and I was ignored. Veros Credit is committing robbery. I demand a debt validation response from Veros Credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: Allied Collection Services, Inc. (Nevada)
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: Old information reappears or never goes away

Complaint:
There are three adverse reports on my credit report. They are from collection agencies with who I never entered into agreements. The collection agencies purchased debt that was written off by hospitals which provided me treatment. Having written off the debt my obligation to pay the hospitals ended.

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 2020-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have two duplicate inquiries from XXXX  XXXX XXXX from XX/XX/2020. I have contacted TransUnion and they refused to investigate the issue. 
I have filed a complaint with XXXX  XXXX XXXX as well. They respond and said they would fix in on XX/XX/2020. The inquirys are for the same date and 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 2019-09-11
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize or give consent to this company nor did I try to purchase or consent to running credit report I have no knowledge of this company or inquired any purchase with this company I have no accounts with this company nor did I authorize them to run any credit report for any business or purchase

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: SYNCHRONY FINANCIAL
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 have fallen victim of identity theft as a result of the 2017 XXXX  breach. This has taken a toll on my mental health and has affected the quality of my life. Please remove fraudulent accounts. I have tried countless of times to call XXXX  to no avail. Their website is down and I am unable to properly dispute on their page. They're responsible for my 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 2019-09-11
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX at XXXX XXXX I received a text message from my bank fraud detection about and unauthorized transaction attempt using my debit card. I immediately contacted my bank and was advised that nearly 700.00 in transactions where charged at various merchants on the same day. I advised that I did not have possession of the card and I just realized it was stolen because I have not left the house for the day. She submitted the claim at the time a temporary credit was issued. On XX/XX/XXXX I received a letter from Chase stating that the claim had been denied and on XX/XX/XXXX all credits will be reversed. I contacted the fraud department to understand what happened and was advised that the charges where confirmed because I still had the card. I informed the representative that I originally said that the card was not in my possession and discovered the original claim was put in incorrectly which lead to the claim being denied. She reopened the claim and reassured me that the issue will be resolved. On XX/XX/XXXX I checked my account and noticed that all the chargers where reversed leaving me with a negative balance. I called the fraud department again who advised that reopening the claim did not stop the credits from being reversed and I the back office will have a decision by XX/XX/XXXX. I checked my account on XX/XX/XXXX to see that all my transactions that have been made since XX/XX/XXXX has received NSF fees because of the reversal putting the account even further in the negative. I called the fraud department on XX/XX/XXXX and was advised that they are disputing the payments with the merchants and if they can recover the funds I will get my money back. I was advised this can be no later than XX/XX/XXXX. I then requested a supervisor since the reason the claim was denied was due to the initial claim being entered correctly. The supervisor came to the line took my complaint placed me on hold to research and disconnected the call. I have not been followed up with by chase since the letter being told it was denied now I am placed in a difficult situation because I was a victim of fraud and improper documentation by the Chase representative with no recourse as a customer. Chase did not protect my rights as a consumer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-09
Company: EQUIFAX, INC.
State: MD
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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: Experian Information Solutions 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:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: United Shore Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I'm looking for assistance with United Wholesale Mortgage account number XXXX. UWM recorded the incorrect Property Identification Number ( PIN ) aka the parcel ID on the security deed and has paid the escrows to the wrong property for XXXX and XXXX. The incorrect parcel ID XXXX XXXX. XXXX XXXX paid off the taxes and now has two liens on my property in XXXX county. UWM 's failed attempt to fix the issue has raised my monthly escrow payment by {$510.00}, which in order to keep my credit clean I have been paying for the last 4 months. I've also been unable to sell this property since I first contacted the bank in XXXX. Now, I have been dealing with UWM 's support number for 6 months with no forward movement. Are you able to help? Any advice on getting this corrected. 

Long version : I purchased a home in XXXX XXXX in XXXX. The address is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, GA XXXX. Correct parcel ID : XXXX XXXX. XXXX County account number is XXXX. I took out a mortgage for 80 % with escrows from United Wholesale Mortgage. I'm in the XXXX  XXXX  XXXX and XXXX  for 9 months at a time. I would get an email from the bank every XXXX stating your taxes have been paid to the county, great, no worries. 

I returned home in XX/XX/XXXX from a long tour to XXXX and I noticed a letter from a XXXX XXXX, who I've never heard of before. The letter read " We have purchased your unpaid property taxes and now have a lien on your home. XXXX XXXX is actually XXXX, XXXX. 

I checked the XXXX county property tax records ' website it states, " XXXX and XXXX sold ''. I checked the closing documents : the parcel ID on the title deed matches the parcel ID on the county 's website. The PIN, aka parcel ID, on the security deed is incorrect and the same incorrect parcel ID is on UWM 's website property tax receipt. 

For two months, beginning on XX/XX/XXXX. I called the UWM. Working with different people, trying to resolve the issue. UWM quickly changed the parcel ID to the correct parcel ID. So this year my property taxes were to be paid properly.

UWM 's solution is to send the county a check. This is wrong, however, the county has already been paid by XXXX XXXX. Now XXXX XXXX needs to get paid so they can issue a letter releasing the liens. UWM 's action caused an escrow adjustment on their escrow account stating that I'm short {$6600.00} on escrows. This raised my monthly payment by {$510.00}. In order to not get a bad hit on my credit I have been paying it for over four months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: Dovenmuehle Mortgage, Inc.
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
- I closed on my mortgage with Dovenmuhle Mortgage and paid in full on XX/XX/XXXX. 
- I had a significant remaining balance in my escrow account. 
- I waited until mid-XXXX for the refund check and it never arrived. I called Dovenmuhle in mid-XXXX, and they said they weren't sure why the check wasn't sent but promised to send. Waiting customary 2 weeks processing and 7-10 business days for delivery. 
- I waited until XX/XX/XXXX and called back. The check was never sent. They said I couldn't update my new address over the phone and had to email over a signed document asking for an updated mailing address. They asked that I wait 2 more days and call back to have the check re-sent. I asked for it to be overnighted and they agreed. 
- Called on XX/XX/XXXX and they initially said they never received the email. I resent from two different email addresses and eventually said they found it ( not sure if original or 2nd attempt ). I asked for it to be overnighted and the rep said she needed manager approval, who was in a meeting and said he'd call me back. Manager called back and left a message saying the check would be processed within 2 weeks and then mailed. 
- I called back and was told there was no way to overnight it. Asked for the manager and was put on hold for 20 minutes. 
- I called back and had to go through entire thing again, asking for a manager. Was put on hold for 10 minutes and went to the automated survey and I was disconnected. 

- I am waaaayyyy past the 20 day window for refund of escrow funds, and this entire process is unacceptable to illegally hold on to my money like this.

Company response to consumer: Closed with explanation