BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-15
Company: Radius Global Solutions LLC
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a debt colection notice from a bill in 2014 that I was never aware I had, when I spoke to supervisor XXXX XXXX at Radius Global Solutions she basicly said there was nothing I could do to correct the issue did not offer to help to even settle the debt she only said she would make a note saying that I was declining to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: Unifin Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am an XXXX XXXX military member who has recently returned from living overseas for 4 years. As part of my new job and heightened security clearance, I had to submit to a credit review process. During this process, I learned that I supposedly owed approximately {$300.00} to XXXX XXXX. 

On XXXX I spoke with XXXX XXXX of Unifin IncXXXX She informed me that the charge was initially a XXXX XXXX bill that went into collection. I am adamant that I paid all charges to XXXX prior to departing overseas. It would not, however, surprise me if I was subjected to a predatory account cancellation charge ( this has happened to me twice previously with cell phone companies despite doing everything within my power to ensure that the account was closed properly prior to departing and informing them of the military clause for cancelling accounts ). I asked for an itemized list of charges and was told that these would be emailed. I left 2 voicemails for XXXX on XXXX and XXXX. 

On XXXX I called back and spoke to XXXX ( ext XXXX ). I was told that my request for an itemized list of charges was under " Manager Review '' at XXXX XXXX. I was told that there was no standard for review and to expect " a few weeks or a month '' for return notice. When I asked if there was a specific standard I was told that " this information is not important. '' I have since not been successful at having anyone at XXXX, XXXX, or any other third party collection agency describe to me the nature of my alleged debt. I feel I have no recourse ( other than paying a debt I don't believe is mine ) than to request your assistance. 

The claim number for this is # XXXX and the contact # I have for the company is XXXX. 

Thank you in advance for any assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: CalAtlantic Financial Services, Inc., Scottsdale, AZ Branch
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The money ( XXXX $ ) I paid to mortgage company XXXX ( CalAtlantic ) disappeared during my mortgage transition to the other mortgage company ( XXXX XXXX ). 
The XXXX ( CalAtlantic mortgage company ) erased my two regular payments and extra XXXX from the payment balance and marked it as " MissaplicationReversal ''. I have not received those money back. 
The CalAtlantic refused to provide explanations.

I also asked investigation initiation by my bank ( XXXX ). 
I requested investigation by XXXX XXXX ( new mortgage company that bought my mortgage from CalAtlantic ). They have not been able to provide explanations for 1.5 month. 
I claim that my money have been stolen by CalAtlantic mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
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:
I was a victim of identity theft. I went and paid off the collection even though it wasn't me that open that account. It drop my credit score by XXXX points. Even after I paid of the collection which wasn't mine. The credit score remain the same. XXXX Experian

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 2021-09-10
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I purchased XXXX of AMP coins on XX/XX/2021 The XXXX was pending until today. The money is gone and I never received the coins. I've tried resolving the issue with the company but their help center is automated and throws me in loop. I can't reach them for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: CITIBANK, N.A.
State: PR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i dont have any account balance whit sears card and in XXXX XXXX pages reflects a {$68.00} balance active.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 contacted TransUnion several time about removing fraudulent information from my credit report. They are quick to update any and every thing that is given to them but take there sweet time and make you jump thru hoops to correct any false information. I am a Victim of identity theft. The inquiry, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair 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 explanation
Consumer complaint received 2020-05-05
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My credit was pulled by a lender on XXXX, however my FICO score was unavailable from Equifax. I called Equifax twice on XX/XX/05 and spoke with two representatives to see what could have occurred. Neither one of them could pull up my account, I provided an Equifax confirmation number on one of the calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: Credit Card Receivables Fund Incorporated
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2019 I received notice from my employer that my wages were to be garnished for the amount of {$1400.00}. With case number XXXX XXXX. The amount was garnished and I thought that everything was done. On XX/XX/XXXX I receive another letter from my employer for the garnishment of my wages for the amount of {$1500.00} for the same case number. I called XXXX XXXX XXXX on XX/XX/2019 at XXXX XXXX and after giving my name address and case information I was transferred to Representative XXXX XXXX ( direct line number XXXX ). I asked him about the situation and he told me that they had not received the funds from my employer and until they get a check the situation would not change. He said I could pay the {$1500.00} in certified funds now and they could not collect more than what they are owed. I asked him what address there were sending their correspondence to and he told me and old address from 8 plus years ago. I gave him current address which he entered into the system. I asked him what address was on the court documents he responded with my my current address I asked him again which address was used and he said my current address. I said he was lying and asked to speak to a manager. I was transferred to Collections Manager XXXX XXXX ( direct line XXXX ) I told him about the agent and how he lied to me. I asked him why the same debt was being collected twice. I was told that my employer had not paid the garnished amount to XXXX XXXX XXXX. He told me to contact my employer and he would contact his admin. I called my employer and was told they use a third party company XXXX for wage garnishment. I called XXXX and asked why the debt was not paid. I was told they could not release the funds to XXXX XXXX XXXX until they received a " Order to Remit Funds '' form. I was also told they could not do anything about the second Wage garnishment request until they received a " Wage Garnishment Release '' form. I called XXXX XXXX and informed him of the information I received from XXXX. He said he would talk to his admin and see what happened. I will be calling again tomorrow. 
My concerns are they are either incompetent in requesting funds or are trying to allow the interest to accrue so they can collect more money. This is a loophole that puts me and others at great risk. If they are cheating the system by refusing to accept the payment until more interest accrues and resubmitting garnishments they could be cheating people out of thousands of dollars. And if it is incompetence they should be responsible for the cost of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: TICE ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a bad debt with Tice Associates in full on XX/XX/2019. As of today, XX/XX/2019 the debt is still showing as unpaid on both my XXXX credit report and my XXXX   credit report. I know the creditor has 45 days to report the payment to the credit bureaus. This is well beyond the 45 day deadline. The last time they reported anything regarding this debt was XX/XX/2019, one day before I made the payment and nothing since it was paid in full. 

I have followed up with the company twice, once in XXXX and again today. Today I was told " you're clueless and obviously have no idea what you are talking about ''. 

I was dealing directly with XXXX XXXX. 

Not only should this debt be paid in full it should also be deleted from my reports as that was the agreement I made with Tice Assocites ( XXXX XXXX ) on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
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 have noticed that there are negative reporting accounts on my credit report. These accounts are incorrect and are stopping me from obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: Collection Bureau of America Ltd.
State: CA
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 voicemail on XX/XX/XXXX from Collections Bureau of America in XXXX, CA stating that they were trying to collect a past due XXXX bill. I called them back the same day at ( XXXX ) XXXX ( XX/XX/XXXX ) and requested verification of the debt via email AND mail. I had not received either by XX/XX/XXXX, so I called again. The second representative I spoke to confirmed he saw notes in the file from my call on XX/XX/XXXX requesting the verification of debt and assured me I would have an email from them by the end of the day. It is now XX/XX/XXXX and I have no verification of the debt. To the best of my knowledge I have never missed a payment with XXXX - I last spoke to them in XX/XX/XXXX when I called to transfer my XXXX account to my ex when I moved out of his house and at that time I was not informed of any outstanding balance with the company. I also never received any notice that my account with them was delinquent. Therefore, I am skeptical of the legitimacy of this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I tried going online to Experian to get my free credit report. I sifted through the endless garbage trying to sell me everything to find the free credit report tab down at the bottom. I clicked the tab which took me to a member login page. I tried to set up a membership ( presumably to get my free report ). Experian website then said I already had a membership and if I was having trouble signing in then go back to the main page and click " sign in '' at the top and then click " need help signing in ''. There is no such tab and no help - just an endless loop of kicking me back to the sign in page. I know this is a tech thing but what the heck do I do???? They have no way to reach them. 

I then tried calling the customer service phone number they provided during their stated business hours. I called about a dozen times trying to get a human being on the line and the system absolutely would not allow me through to anyone, at any time, for any reason, no matter what button I hit. I tried for hours. 

So ... ..I went online and found a different customer service number for experian that said you could get a live person .... and no ... .it 's the same endless loop. 

All I want is my free credit report. They have made it IMPOSSIBLE FOR ME TO EXERCISE MY RIGHTS TO HAVE ACCESS TO MY CREDIT REPORT AS A CONSUMER. 

And I'm sure they are going to reply to my complaint with a customer service number that goes absolutely nowhere and/or a p.o. box I can mail a letter to and pretend that actually works. In the meantime I still can't get a 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 2020-05-05
Company: HYUNDAI CAPITAL AMERICA
State: IN
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:
I purchased a vehicle back around XXXX of 2019. Roughly 1-2 months later, I paid off the entire financing on the loan at once, which was acceptable since there was no early pay-off clause in my contract. 

That same day or two-day period, I called Hyundai Finance 's Customer Service Center and had them change my address as I was moving from XXXX to XXXX. Calling back in about 2 months later, I found out they had recently sent my title to XXXX and that it was unrecoverable. 

Since then, I've called 5 different times to get a Lien of Release, and each time they claim to send it, but it has NEVER arrived at my apartment ( I have a mailbox that locks, so it wasn't stolen ). They won't do anything to help me resolve it, nor will they show any proof of sending it. I can now no longer drive my vehicle since it needs to be re-registered in Indiana but I don't have a title or lien or release to do so. Please help!

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 2019-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
The credit reporting company, TransUnion is inaccurately reporting numerous invalid inquiries on my credit file, negatively affecting my ability to obtain credit. Once I learned of this, I began to investigate how this could have happened. I've learned that this company had incorrectly added inquiries to thousands of consumers credit files. I believe that I was also a victim of this error. I called their customer service, however they would not help and take care of the negative inquiries reporting to my credit report. 

There are currently 17 inaccurate inquiries on my TransUnion credit file.

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 2021-04-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have requested the forbearance agreement so I can get my mortgage back on track several times. I was told that they would email it to me in 5-7 business days which is really unreasonable for an email in my opinion and then what they sent was a fax of my payoff amount which has nothing to do with the forbearance. I tried calling back today and they said I have to wait again but this is unreasonable, I am trying to close the mortgage out and they know that so they're not giving me the necessary documents.

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 2019-04-15
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
This dispute has been going on for almost 2 months originally filed with CHASE XX/XX/19. I have spoken to XXXX who is the vendor for the charge and they stated they did not charge me, and I have confirmation of this on XX/XX/19. I have physically sent Chase explanations and correspondence emails from XXXX confirming they did not charge me. I have provided documentation online on the CASE .Com website as well as several calls to both BOTH Chase and XXXX . I have called and spoke to several reps on several occasions to complete any additional questions they had, and mailed in the information. They have closed and reopened new disputes and have again closed the dispute. I do not have anything to show or ah confirmation of this charge, and neither does the merchant XXXX from this charge other than the hassle of having to contact you to clear it. I have been a Chase customer for over 18 years and this is totally unacceptable to be charged {$420.00} and they are not resolving it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 was sued in court for an collection account. I have court documents that I do not owe the debt. the credit bureau will not remove it from 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 explanation
Consumer complaint received 2018-04-26
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I opened up a Business checking with First National Bank, Biggest mistake I ever made!!!!!!!! From the get go, they made mistakes opening the account. 
The day after I received a phone call from XXXX XXXX stating that she gave me the Signature Card, and Overdraft document that were signed by me by accident!! I have had bank accounts for over 40 years and have NEVER had that happen. I checked the account on line on XX/XX/XXXX and it had PENDING transactions. I had a car breakdown over the weekend and had to use all my cash to have it repaired because I was stranded! I called them up and told them that I would deposit to bring the account in the positive. They said I had until XXXX XXXX. I made two deposits, one at XXXX for {$100.00} and one for {$160.00} at XXXX, and {$5.00} in a drop box at the XXXX XXXX XXXX branch in XXXX, PA. For a total of {$260.00}. They said on the phone yesterday ( XX/XX/XXXX ) from the XXXX, PA branch, that I should do my business elsewhere, and she lied and said that I wrote " starter '' checks, I used checks that I had printed! She said even though the transactions were pending, she was going to close my account. I did not like here one little bit, she was very nasty, and should not be working there! I assumed that all the checks would be paid because I had the funds in well before XXXX! On XX/XX/XXXX I checked my account on line, they did not pay the transactions!!!!!!!!!!! And all the funds are in the accouont, and the account is NOT CLOSED!!!!!!!!!!!!!!!! 
I wrote the checks to XXXX XXXX, and they said if first national bank does not pay them, I will get a {$30.00} fee for each one!! I have never, ever had a check bounce at XXXX XXXX, and they verified that!!!!!!! 
First National Bank should be fined for unfair business practices, and another law suit should be filed against them!! They told me they would pay all transactions for 7 days, and they are not paying them!!!!!!!!!!!!! I looked them up, and they have less than one star rating, and I can see that they have pulled this stunt before!!!!!!!!!! I have never, in my life had a bank do such " shady '' business practices ever!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This was already paid off as part of a debt settlement. They I sent them proof of payoff through a debt settlement and they said they would look into it and call me and never do. They just continue to keep harassing me over the bill that I already paid

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: Ridge & Valley Realty, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There are two collection listed on my credit file that are unknown to me, I have disputed with no validation received back. The accounts are XXXX XXXX XXXX XXXX and XXXX These inaccurate remarks need to be removed

Company response to consumer: Closed with explanation