BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-23
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Greetings, I preface my complaint by stating that I am a former employee of XXXX XXXX XXXX XXXX, " the bank ''. 

During my employ, over 16 years, I maintained a " free '' ( free as it relates to monthly maintenance fees ) checking account. Upon my departure from the bank, XX/XX/2016, I noticed a monthly {$10.00} Service charge on my account. At first, I thought that this was some sort of error that would auto-correct the following month. To my surprise, and after a careful review of my checking account, I realized that the bank has continued to illegally charge my checking account a {$10.00} monthly Service Charge since XX/XX/2016. 

I use the word " illegal '' for the following reasons : 1 ) XXXX XXXX has failed to supply me with any relevant and proper deposit account disclosure ( s ) regarding my checking account as it pertains directly to the new application of fees. I call upon the bank to produce any/all correspondence/information evidencing that I was duly notified that fees would be applied to my checking account. 

2 ) The bank, to this date, offers " free '' checking accounts, with no minimum balance and no monthly service charges. Why am I not afforded the same product or account type? 

3 ) Finally, it is my view, taking all of the above into consideration, XXXX XXXX XXXX XXXX has willfully engaged in an unfair, deceptive and abusive act. 

Per this complaint, I am demanding that all fees assessed to my account be refunded and that my account be reinstated to its " free '' status, void of any monthly service charges. 

Thanking you in advance for your prompt response. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: USI Solutions Inc.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
First time USI solutions called was on XX/XX/2019 from a XXXX XXXX, he left a message for my to call him back today. So I did call him back, I called him back, could not tell me what exactly it was for. I ask for his Lic # and he said I didnt need that. He got rude, calling me every name in the book, I hung up. 
Today XX/XX/XXXX he called my wife on her cell phone, and cursed at he demanding he to talk to me. I then called him back and told him not to call or Im pressing charges, he then started threatening me to pay. Ask me to confirm my address, which he new, he did that as a threat, letting me know he knows where we lived. I need help with this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: EQUIFAX, INC.
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-10
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I deposited XXXX to my Coinbase account. There were 2 charges from Coinbase on my account that I did not make one for XXXX ID XXXX and another for XXXX ID XXXX. I emailed Coinbase about this issue, at first they emailed me back saying they are going to look into it. Then they locked my account with my XXXX in it. since they locked out my account I have missed out on many opportunities to buy and sell XXXX. I email them everyday and never get a response. I need access to my account as soon as possible this is a lot of money that I need access too. 
why ticket number is # XXXX number is what's on our emails as my ticket #.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-21
Company: Financial Management Solutions, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been harassed by phone and mail by a company titled Financial Management,  XXXX XXXX XXXX. When I spoke with them by telephone several months ago they claimed there was an account opened in my name in XXXX Virginia by telephone. 

I don't have any business in XXXX Virginia. I explained to the representative that I was a documented victim of identity theft and that they needed to send me all the information they possessed regarding this account. 

They never sent me anything and now they are reporting this to my credit bureau report and preventing me from obtaining any credit and I do not owe them any money.

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 2019-05-19
Company: Firstsource Business Process Services, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
After viewing a copy of my report, I noticed a collection account placed on my credit report from Firstsource Advantage , LLC on XX/XX/2019 in the amount {$200.00}. First and foremost, I have confirmed that the debt collector, Firstsource Advantage , LLC is not license in the state of Louisiana to collect on this debt. Secondly, Firstsource Advantage , LLC violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to Firstsource Advantage , LLC? I have never heard of them, have no written contract with them and have never received any benefits from them, yet Firstsource Advantage , LLC has submitted negative information to all three credit reporting agencies ( XXXX, XXXX, XXXX ) against my name and social security number and demanding payment from me in the amount of {$200.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: WELLS FARGO & COMPANY
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:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.

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 2018-03-16
Company: Convergent Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CONVERGENT OUTSOURCING, INC. refuses to respond to debt verification but continues to report an unverified debt to the credit bureaus.

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 2019-05-19
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
After a contentious divorce Mr. XXXX and former tenants devised and executed a mortgage fraud scheme involving residential property located at XXXX XXXX XXXX XXXX. XXXX, Oklahoma and a forced foreclosure short sale. The scheme involved aggravated identity theft, false representations to mortgage lenders on behalf of the defrauded out-of-state owner ( ex-wife ), while guarantying tenants and rental payments to new buyers. 

Neither the official divorce decree nor final court order awarding the division of real property to the ex-wife were disclosed to the financial institutions which approved and funded the illegally refinanced ( VA backed ) mortgage loans and lines of credit.In XX/XX/XXXX, fraudulent lis pends ( foreclosure action ) copies were physically served to the ex-wife revealing her forged signature on numerous conflicting financial and legal court documents spanning from XX/XX/XXXX - XX/XX/XXXX. 

A temporary restraining order was issued against Mr. XXXX in XXXX, XXXX after he threatened his ex-wife with witnessed statements to burn down the house and collect the insurance on the disputed property. There has been no relief from the negative credit reporting, and no formal investigation or follow up response regarding the egregious interstate identity theft and unresolved VA backed mortgage fraud. 

Disputed Property Address : XXXX XXXX XXXX XXXX. 
XXXX, OK XXXX Original VA Loan Guarantor : XXXX XXXX XXXX SS # XXXX Ph : ( XXXX ) XXXX - XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: EQUIFAX, INC.
State: MN
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/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I am on a few supposed " safe '' XXXX groups that were created to buy and sell high end items such as XXXX XXXX, XXXX, XXXX, etc ... ... .purses, shoes, accessories ... .. 
In order to buy or sell in these groups, you must only use paypal, and therefore there is no one as the middle man as far as a " site to sell ''. Therefore when myself ( the seller ), creates my own invoice via paypal, I can write it up in ANY WAY THAT I WANT FOR MY " business ''. 
I advertised a XXXX XXXX handbag, authentic, in great condition, not brand new, and made sure to send well over 40 pictures to the buyer to makes sure she was aware of the condition of the bag, because in my invoice it clearly states : " PLEASE LOOK OVER VERY CAREFULLY, IF YOU HAVE MORE QUESTIONS PLEASE CONTACT ME. BUYER AGREES THAT ONCE THEY MOVE FORWARD AND PAY FOR THE ITEM, ITS A BINDING CONTRACT. IT IS SOLD AS IS, NO RETIRN OR EXCHANGES ALLOWED! '' I sent the bag out asap, on XX/XX/2018, VIA XXXX priority mail with signature confirmation. She received and signed for the bag XX/XX/2018. That night well after XXXX my time she rudely contacted me vis XXXX XXXX stating she didn't want the bag and she would be returning it. Wait what? I think she forgot we had a binding contract. Although PAYPAL, even though they are NOT A BANK, and only registered as a payment processor for online venders, auction sites and other commercial use. The fact that they think they can inter vein and allow us sellers to break our contracts that we have a legal right to enforce, is not only unethical, but illegal. They allowed her to supposedly send the bag back, with tracking BUT no signature confirmation. I never received it! Paypal decided to not only take my {$400.00}, but I STILL DO NOT HAVE MY BAG! This is not only fraud, but PayPal allows the fraud to happen, which should not be allowed! The fact they are not a bank or FDIC insured, they should not be allowed to hold any money over 24 hours, in the event something happened, our money is not protected. I am well aware that Paypal has been operating in a very gray area for over 20 years, and has continued to defraud consumers. As a XXXX XXXX and wife of a highly XXXX  XXXX XXXX veteran, I am completely appalled that this happens to innocent people. I hope that you can see what a serious problem this is and hopefully help me rectify the situation asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: JPMORGAN CHASE & CO.
State: NY
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:
I charged a British Airways flight on my British Airways Visa card, issued by Chase. I am a life time Gold member of British Airways and my credit limit with Chase is {$50000.00} - I am a very good customer of both companies. The BA agent made a mistake when taking my booking and immediately issued a refund of the full amount. She then re-charged my card the exact same amount for a correct booking. There was no dispute between me and the merchant about any of these facts. 


These 3 transactions all happened within five minutes of each other. The two charges were made so close together that they had exactly the same exchange rate to 9 decimal places of accuracy - XXXX ( see attached credit card receipt ). However, when I received my " full refund '' of the first charge it was {$47.00} less than I paid. I disputed this difference with Chase. 


For some reason the " Customer Service Specialist '' at Chase could not comprehend these 3 simple transactions and what had happened. He wrote to me twice ( see attached ) and called me once asking the same irrelevant questions and then denied my dispute without any explanation. If this was not so frustrating and time wasting, it would be comical. 


I think this reflects a bigger problem with Chase - lack of integrity. Chase consistently backs the merchant in any dispute, no matter the merits of the case. What evidence for this? In my own case, every time I have raised an issue about Chase Card Services with the CFPB it has been resolved in my favor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-23
Company: EQUIFAX, INC.
State: TN
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:
Equifax has failed on multiple occasions to properly conduct and investigate/re-investigate errors on my credit report over numerous attempts sent to them by certified mail. Specifically failure to correct incorrect and unverified information. As of XXXX XXXX the following bellow unverified/re investigate requests have not been properly made by Equifax XXXX XXXX XXXX Date open XX/XX/XXXX to date of last payment XX/XX/XXXX they are not reporting any of my on time payments for this period. In fact the only thing being reported in the five year period is 30 days late in XX/XX/XXXX which is incorrect and unverified. 

XXXX XXXX This account was paid through XXXX XXXX  the previous bank that owned the account. I have asked the creditor and the credit bureau to provide physical proof of this debt on numerous occasions and they have failed to verify this information but continue to report it as unpaid and charged offed despite it being unverified. None of my on time payments are showing on this account. 

XXXX XXXX XXXX The payments on this account have been changed over and over. It had showed all payments on time after disputed and then it changed again to show negative payment history. The reporting has been inconsistent over the several months that I have been trying to get in corrected. Each time Equifax says the account has been verified. Clearly it is unverified because the payment history changes every month. 

XXXX XXXX XXXX date open XX/XX/XXXX date closed XX/XX/XXXX Failure to report any on time payments in this time frame. Incorrectly reporting past due payments. Failure to provide physical verification as requested. 

XXXX has sent a letter requesting an inquiry on XX/XX/XXXX be removed due to the fact that is was not authorized/ run in error and they still have refused to correct my report. 

These errors are negatively affecting my credit score, my ability to obtain credit, and my reputation. 

Equifax has had more than enough time to correct or delete this information. According to the FCRA they continue and knowingly are in violation and can be held accountable for actual and punitive damages. 

I demand that these specific and unverified information be corrected immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
TransUnion state the my XXXX XXXXXXXX XXXX is not 100 % accurate when clearly you can see the inaccurate information place on my credit report, I try disputing multiple times for inaccurate information such as ( name ), my name is not XXXX XXXX, my name is ( XXXX XXXX XXXX ), ( date opened ) incorrect, ( balance ) incorrect because a charge off should be XXXX, ( payment received ) incorrect amount, ( last payment made ) incorrect as per my bank statement, ( payment history ) because the last payment made and the payment history doesnt match. But TransUnion stated that is verified so i ask them for method of verification and they refuse to send me the method of verification they are violating my rights ( FCRA )

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 2019-06-12
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: Information belongs to someone else

Complaint:
I was harassed by some men from the XXXX XXXX region. They knew my family was on vacation and they said they were going to XXXX me and XXXX my family first and they forced the paperwork to get the account to pay a lot of money to them somehow.

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 2021-06-09
Company: Uprova Credit, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a {$700.00} payday loan to pay my rent several months ago. After paying on time for several months I noticed that instead of the balance decreasing it was increasing. I feel like Ive been violated by this company. This is definitely preditary loan behavior that should not be allowed.

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 2019-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I was harassed by some men from the XXXX XXXX region. They knew my family was on vacation and they said they were going to kill me and hurt my family first and they forced the paperwork to get the account to pay a lot of money to them somehow.

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: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I started disputing with the bureaus originally in XX/XX/XXXX ; I have been continuously disputing accounts that no one has ever verified or validated for me! I have requested validations from the bureaus and creditors yet nothing has been provided. After multiple rounds of disputes I finally filed my first complaint on XX/XX/XXXX. This still didn't result in any responses from the bureaus! Gave it a few more rounds of disputes and filed another complaint on XX/XX/XXXX. Yet again, NOTHING from anyone! This is my THIRD complaint! When will the bureaus finally be held accountable for their actions, or lack of actions? This has been ongoing for 1.5 years!

Company response to consumer: Closed with explanation