BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-25
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing a complaint of a collection account listed on my credit reports. I do not recognize this claim. Please provide me with written documentation to validate this purported debt, an itemized statement showing the amount you claim I owe, copy of the written agreement or promissory note I signed relating to this purported debt, agreement with the creditor that authorizes you to collect on this alleged debt, agreement bearing my signature stating that I have agreed to assume the debt, valid copies of the debt agreement stating the amount of the debt and interest charges, complete payment history on this account along with an accounting of all additional charges being assessed, show me that you are licensed to collect in my state ; and your license numbers and Registered Agent. If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. Thank you. I will await your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: EQUIFAX, INC.
State: IL
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 am writing to dispute the following information in my file. I recently received a copy of my XXXX credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. The following credit inquiries are related to none of the aforementioned permissible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: Fay Servicing, LLC
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
fay servicing llc payments increased from XXXX to XXXX ask company for explanation was told taxes was not paid XXXX - XXXX took loan out XXXX showed proof from tax bureau taxes where paid no response this has been going on for 4 months company investigating 1 payment XXXX being held while investigating not receiving any more was told no late fees or foreclosure would take place call twice a week for 3-4months sent emails, documents given 4 different managers months no return calls no answer to email now given act 91 notice was told owed them XXXX now act 91 fay servicing XXXX they have become a bully 's talking down to me a lots of lies under minding tactic

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is  involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

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 2018-02-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Wells Fargo ( the creditor ) failed to mail me billing statements. Because of this I notified them every month in writing and by phone that I had not received any of my billing statements. The creditor stated that they would be sending out the statements in the mail and that their system keeps having issues with not sending the billing statements. The creditor never sent me billing statements. Because of this I was unaware if I had a balance on my account. I was also unaware if I had a minimum payment due. I did not make any payments as I did not receive instructions on how to pay my bill. The creditor reported my account as late ( delinquent ) to all 3 major credit bureaus ( XXXX, XXXX, XXXX ). After a couple of months/years, the creditor finally sent me a collections notice requesting immediate payment of a specific dollar amount without explaining what the amount was for. Because I did not want negative information on my credit report, I paid the amount that was requested of me. The creditor reported my account as charged off. The creditor violated several consumer protection laws by not reporting my account as current ( never late ) and closed. The creditor does not have tracking information showing that I received the billing statements they were required to send me.

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 2018-10-04
Company: ENCORE CAPITAL GROUP INC.
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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX, stated that I recently opened an account with them in fact this was in XX/XX/XXXX-XX/XX/XXXX and was filed bankruptcy on I shows I have a open account of {$430.00} it was add to my list of bankruptcy. See supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a public record & XXXX XXXX entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX  and XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
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: Personal information incorrect

Complaint:
Equifax is reporting a wring name as well as wrong address that I have no knowlege of on my credit report. I have never lived at XXXX XXXX XXXX XXXX XXXX, TX XXXX. This information is inaccurate. Also, There is a name of XXXX XXXX XXXX on my account. This information is also not accurate and that is not how my first name is spelled

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: LJ Ross Associates
State: NY
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:
This is in regards to a collection reporting on my credit reported form LJ Ross Account # XXXX. After noticing on my credit report an account with the above listed account I reached out to find out what this is for since I was unsure what it was. They sent me a letter dated XX/XX/2020 which I will attach on this letter no information that would inform me what this is for. I sent another letter out XX/XX/2020 and XX/XX/2020 to which I got no response yet they keep reporting this information without properly validating the debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: EQUIFAX, INC.
State: PA
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 continuously complained and disputed various INQUIRIES on my credit report with Equifax. I have written them letters. I have formally filed disputes. All to no avail. I have vehemently denied these inquiries. XXXX has removed them from my credit file. Equifax does nothing I have worked diligently on my credit this last year, so I find it totally unfair to be penalized for negative information on my credit file that does not belong to me or was not authorized by me. The following is the list of Unauthorized Inquiries on my Equifax Report. 1 ). XXXX XXXX XX/XX/XXXX, 2 ). XXXX XXXX XX/XX/XXXX, 3 ) .XXXX XXXX XX/XX/XXXX, 4 ) .XXXX XXXX XXXX XX/XX/XXXX , 5 ). XXXX XXXX XX/XX/XXXX, 6 ) .XXXX XXXX XXXX XXXX, 7 ). XXXX XXXX XXXX. XX/XX/XXXX I state under penalty of perjury that I did not authorize or request these inquiries. I would request that Equifax do their diligence and find out who did.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: FIFTH THIRD FINANCIAL CORPORATION
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:
Hi, To who this may concern, On the XXXX of XXXX called and made a payment over the phone, and by mistake I made a payment with my account that I stopped using, and that account didnt have funds. So when I realized that there was no money in the account, I right away called back and made a payment with my new account, but I didnt know that the account has a different routing number, so I gave the old routing number, and after that I called multiple times to see why the money wasnt withdrawn from my bank account, and only after 30th day from my due date, you told me that the banking information was incorrect, so I updated it and the payment went through, and then I asked multiple times if you can remove this negative mark from my credit report, and you guys told me that you will remove it, I asked a few times but you still have not removed it from my report and my cosigner. 

I am applying for a mortgage now and it is really hurting my ability to obtain a mortgage so I ask if you can please help me and remove this negative mark from my report and my cosigners report, as I made a payment the only thing that was missing was the banking info was not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

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

XXXX XXXX XX/XX/XXXX {$0.00} XXXXXX/XX/XXXXXX/XX/XXXX {$120.00} XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXXXX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX  XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: Coinbase, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My complaint against COINBASE crypto currency exchange : I did 5 selling orders but it stuck in their system the transaction didn't go through ( frozen ) it started on XX/XX/2021 I submitted support ticket # XXXX and sent official complaint to the company I didn't get any help but empty promises. More than tow months of waiting I lost many opportunity to trade and benefit from market movement. In this new space the company promote itself as ( fair, transparent, efficient and trusted platform ) and that what bring me to them but they neither held themselves to that standard by building functional platform nor they put in efforts to meet their obligations towards investors - that put their trust in them -by hiring enough support staff to meet the demands. 

My selling orders : 1- XX/XX/2021 XXXX XXXX 2- XX/XX/2021 XXXX XXXX 3- XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-05
Company: BANK OF HAWAII CORPORATION
State: MP
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have a checking account with Bank of Hawaii  in XXXX. Currently the checking account is a $ XXXX/month " XXXX  XXXX XXXX XXXX '' account, their highest-level account. 

On XX/XX/XXXX, I sent Bank of Hawaii an online message asking to change the account to " Convenience Checking, '' their free checking account type. They answered and told me to send them a signed and dated hardcopy letter. I sent the letter on XX/XX/XXXX. 

On XX/XX/XXXX, I received a call from Bank of Hawaii, telling me that the only way to change the account type is to visit the branch in person. They said they can not change account types without an in-person visit to the branch. 

There is only one Bank of Hawaii branch in XXXX, the hours are very limited, and the waiting area is the outdoor parking lot. The last time I tried standing in that line, I gave up and went home after one hour standing in the hot sun. 

It seems unreasonable that I can't make a simple change to my account by phone, internet, or mailing a letter. Every other bank I've ever dealt with would make this a simple process. 

I just want my account changed to " Convenience Checking '' without needing to stand in an hours-long line.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-16
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 XXXX and XXXX and was in the process of purchasing a home when I was informed by my creditor that there were collection items reporting on my credit report. This was a complete shock to me because I haven't used my credit other than to finance my car. When I reviewed the credit report that was given to me from the bank and saw a ton of information reporting on my credit report that had nothing to do with me, I immediately contact Equifax, XXXX, and XXXX to inform them that they were reporting inaccurate information on my credit report that needed to be removed. All 3 of the credit bureaus have responded partially by removing some of the inaccurate things they were reporting. I have been consistently submitting my request to have these inaccurate collection items removed from my credit report and since XX/XX/XXXX, they  all have ceased to provide me further assistance and investigative proof substantiating their lawful reason to refuse the removal of the remaining inaccuracies. I started contacting the 3 credit bureaus in XX/XX/XXXX and have followed up on all their correspondence regarding this issue. XXXX and XXXX have responded by removing all but 2 of the inaccurate collection reportings and Equifax still inaccurately reports 4. All 3 bureaus continue to report XXXX XXXX as not paid in full when it was paid in full by refinancing thru XXXX XXXX in XX/XX/XXXX. So my credit report reflects that I have 2 outstanding auto loans when I only have the one with XXXX. These inaccuracies are interfering with my ability to purchase my home and violate my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In XXXX, I opened a new HSBC Checking account and HSBC savings account. For the checking account, per HSBC online offer terms, I should receive {$60.00} bonus every month for the first 12 months if I have direct deposit of at least {$3000.00} into my checking account each month. I already met this requirement for the first two months since I opened my account. However, I have NOT received any of the monthly bonus yet. 

I called HSBC customer service to report this issue. However, the bonus still has NOT been posted to my account yet. I am writing to request HSBC to immediately post the {$120.00} bonus for the first two months to my HSBC checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
American Express corporate card was an account that I had for my XXXX XXXXXXXX. The account was in the name of my XXXX. XXXX XXXX. I was not aware that the could make me personally liable for an account that I had for my XXXX  business that I had to close because my XXXX business was shut down for over 1 yr. The aggressive tactics that they used we obscene and I am contacted constantly from the personal legal team. I am not aware of how to handle this situation. The charges that were on my Amex corporate card was for advertising my XXXX  business on XXXX prior to Covid-19. I disputed this charge multiple times because I have evidence of cancelling the ad on XXXX. XXXX refused to let the ad charges go so I disputed through my Amex. I was told to eat the charge or my business listing would be redirected or shut down my traffic through the XXXX porthole. I was told by Amex that XXXX is their customer too. So the ads that never ran were put back on my corporate card in the sum of over {$10000.00}. Then everything got shut down due to XXXX. I tried working out a scenario with Amex and I was so distraught and overwhelmed with everything getting shut down. I have been aggressively pursued and harassed by Amex. I should have been protected due to the XXXX XXXX and my LLC. Insurance of XXXX XXXX dollars.

Company response to consumer: Closed with non-monetary relief