BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-23
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX {$44.00} - Original Debtor XXXX XXXX XXXX XXXX. This debt has been paid. Account Number XXXX No Account Number listed. PLEASE REMOVE XXXX   XXXX {$230.00} - XXXX XXXX XXXX XXXX XXXX. PLEASE REMOVE XXXX   XXXX - {$830.00} XXXX XXXX XXXX XXXX, KY XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX - PLEASE REMOVE XXXX and XXXX - Original Debtor - XXXX XXXX XXXX {$170.00}. PLEASE REMOVE PAID. 

NONE OF THESE ACCOUNTS HAVE ACCOUNT NUMBERS AND THEY HAVE BEEN PAID

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 2021-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I purchased a vehicle secured by a loan through XXXX. The vehicle was subsequently repossessed and resold. 

In XXXX, I received a postcard stating that I was apart of a class action lawsuit with XXXX and that XXXX is REQUIRED to REMOVE ALL information from my credit reports at all three credit bureaus. 

The information is still reporting as a repossession. 

I called XXXX and they stated that they sent the appropriate paperwork and there was nothing else that they can do.

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 2021-05-25
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
In XXXX, my ex-spouse purchased a vehicle with a XXXX XXXX XXXX XXXX loan and put me as a co-signer on the loan. He defaulted on the payments, and the vehicle was voluntarily repossessed in XXXX with an outstanding balance. XXXX XXXX sued for the outstanding balance, and on XX/XX/XXXX, I settled in court for {$4500.00}. The court order stated that XXXX XXXX would clear the derogatory remark from all the credit bureau agencies upon my final payment. I paid off the settled amount on XX/XX/XXXX, and confirmed with XXXX XXXX that my debt is settled and the account and case are closed. Their manager informed me that they would notify the credit agencies that the account is paid and closed and remove the derogatory remark. However, XXXX XXXX continues to report that account as derogatory monthly to the Experian credit agency. I filed multiple disputes through Experian with the attached court order and legal documents showing that I paid the settlement in full, and this account should be closed and marked as settled. However, XXXX XXXX denies the disputes and reports the account as derogatory on my Experian credit report. I called XXXX XXXX multiple times to resolve this, but no one ever returns my calls and voicemails or tells me they will leave a message for the manager. I've contacted Experian to try and resolve this on their end but was informed that they could not do anything if XXXX XXXX reports the account as derogatory. The negative remark affects my credit score, I am denied new credit and have to pay a very high interest rate. I am also unable to obtain a mortgage because of this remark. This is the only negative remark on my credit, and it continues to impact me even though I settled and paid off the debt with XXXX XXXX, which refuses to follow the court order.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was getting fee after fee some of my statements back then had like three or four fees on them for the same thing. The account became so unmanageable I closed it first chance I got. Which took a while cause I was in the negative because of fees.

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 2021-05-25
Company: OneMain Finance Corporation
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: Account information incorrect

Complaint:
I hired a debt consolidation company to help with payment plans after changing jobs, due to the company closing down that I was employed by in XXXX and having to relocate. The company I am filing the complaint on, agreed to the payment plan. They charged the loan amount off, but left a balance on the loan. It was supposed to be charged off and a XXXX balance. The other debtors charged the loans off correctly, which aloud me to repair my credit. I was using XXXX XXXX XXXX to help fix the errors on my credit report, but had no luck with this company. When I called the company myself, they would not supply me with any information with why it was reporting incorrectly. I was told by the company to contact the debt collection company, which did not provide me with the information I needed. This was the beginning of XX/XX/XXXX. I need the loan to have a XXXX balance. I do not know how they came to the number that is on my XXXX  credit report. It is not on my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
On XXXX, my Bank sent me alerts that I had a lot of derogatory information put in my credit report. Most of it was that I had delinquent payments. After this I started to call the different credit card companies and took down my information and started the process. I got paper back from most of them but FIRST BANCARD CREDIT CARD COMPANY. They just sent me a letter stating that the claim was denied and that I had to pay over {$3000.00}. Even though, I did not open the account which was opened many years ago. I called their FRAUD DEPARMENT and they suggested that I must have known about this. I sent them a letter stating that I wanted to see my signature on the original application and on any purchase bearing my signature. Most of the companies deleted the accounts from my credit but this particular one, does not want to work with me. How, am I going to pay for something I did not sign up for or open.

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 2018-12-23
Company: EQUIFAX, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX {$44.00} - Original Debtor XXXX XXXX XXXX XXXX. This debt has been paid. Account Number : No Account Number listed. PLEASE REMOVE XXXX XXXX {$230.00} - XXXX XXXX XXXX XXXX XXXX. PLEASE REMOVE XXXX XXXX - {$830.00} XXXX XXXX XXXX XXXX, KY XXXX. Original XXXX XXXX XXXX. XXXX XXXX - PLEASE REMOVE XXXX XXXX XXXX - Original Debtor - XXXX XXXX XXXX {$170.00}. PLEASE REMOVE PAID. 

NONE OF THESE ACCOUNTS HAVE ACCOUNT NUMBERS AND THEY HAVE BEEN PAID

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-17
Company: Comerica
State: LA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I call direct express at the I Customer service on XX/XX/XXXX between XXXX or XXXX XXXX  to block XXXX again. The customer service said she would look at it. She said she couldn't do a block on XXXX. I said XXXX was block before with no problems. While we were talking she was blocking my card and sending me another card without letting me know. I call to talk with two supervisor and they said that social security would have to send my info to them. At this bank has a rule to send a code before talking to me. This lady even send a code to my cell phone or to my email. This was all done without my knowledge. This happen to me before. The frost time it 10 times to get the right person to look in the matter. The second time I call 6 times and no problem solve. I can't do no more than I can because of health. This people told me not to yell I said if it was your money, wouldn't you be upset. The two supervisor I talk to were XXXX and XXXX. This is a very bad bank when a customer service do things without telling me. I want something done on this matter. I am a XXXX old lady living in XXXX trying to survive and keep safe. No I don't drink never don't drugs, don't smoke or gamble. I am a true XXXX lady live in XXXX for 9 years until I ask for help. Now I after deal with this kind bank that let their worker take what money I. Really this bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Agency of Credit Control
State: TX
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:
Agency of credit control did not validate debt. They sent letters to the wrong address and called me while I was on my job. I do not owe any debt and the debt is not validated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Hello, please view the attached files. 

I took the time out to reach out to the listed company and they prompt me to reach out to you guys regarding the inaccuracy report of the account listed 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 explanation
Consumer complaint received 2018-12-23
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:
The attached post on my credit bureaus claims that a debt was purchased by a third party. At no time from my initial dispute was a debt validated. Under Federal Trade Commission guidelines, a debt must be proved, showing actual hard copy transfer. That does not mean a letter of transfer, but an actual transfer with signature backup. The debt purchase industry is the largest scam ongoing against the American consumer. Both the collection agency/debt purchaser are in violation of their subscriber agreement with every credit reporting agency. At no time was the debt validated, and the initial timeline from the original creditor has been cut off, and thus the debt is illegally being re-aged to benefit both the original creditor and the illegal debt collection process. Both the original trade line must be removed along with the invalid collection process. This problem will continue to exist since the XXXX XXXX XXXX XXXX XXXX Supreme Court decision of XX/XX/2017, whereas the third party purchase voids the individuals rights under the Fair Debt Collection Practices Act. Since there is no proof of true hard copy transfer and ownership, the collection is VOID and the collection process must cease and my file for both accounts must purge. These items must be deleted permanently and my files need to be purged.

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 2020-06-29
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
At the end of last year, I transferred money out of my savings account at Suntrust ( now Truist ). I was not sure if this would place me under " minimum amount needed '' to stave off fees, so I kept looking at the online account dashboard as well as statements to see if any monthly fees were being taken out due to balance reduction. None were being taken out per what was shown online and per what was on the statements. 

Cut to XX/XX/XXXX, and all of a sudden, the dashboard online is showing that {$7.00} had been removed from my account since XX/XX/XXXX, then again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( 4 fees taken out altogether, {$28.00} in total ) If you review the statements for XXXX or XXXX or XXXX or XXXX, you do not see any notation of monthly fees being taken out. And it was not transparent that these were even being removed until XXXX of this year on the online banking dashboard. 

It's a very clear cut case of lack of transparency and potential deception. These fees were being removed for months before I had any idea that it was happening. Neither the online banking dashboard nor the monthly statements showed this was happening. 

When I raised the issue to the bank, they refunded 2 of them, but 2 still remain ( a total of {$14.00} ). I can't imagine how many other people this may have happened to - and how many people would not have noticed or been aware that this could've been happening on their savings account for months and months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-27
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have a home loan with LOANCARE ( account XXXX ). Before 27 days BEFORE I " missed '' the XX/XX/XXXX payment, I filed with LOANCARE the request of forberance for just 30 days. The automatic email said it would take about 3 days. On XX/XX/XXXX, I emailed customer services and told them about they neglecting my request or my rights. I still didnt hear back for THAT message until XX/XX/XXXX! And it was only an automatic forwarding email! On XX/XX/XXXX, I mailed a check for XXXX $ with a note EXPLICETELY telling them about their inaction or lack of response to any of my messages. That was partial payment for XXXX, as within my rights. The remainder of XXXX 's mortage I paid by XX/XX/XXXX by check again. I never received a letter from this negligent company! I get robot calls but noone to talk to. Today, XX/XX/2020, I submitted by email the XXXX XXXX payment. TO MY SURPRISE, this irresponsible company has me as NOT PAID for XX/XX/2020! They chashed the checks. I told them in handwriting what the money was for. Also, I have a LATE FEE!! I have all the emails to prove that I did my part, as required, and this scam lender dragged its feet and is YET to give me a response from my initial inquiry from XX/XX/2020.

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 2022-08-08
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/22 I received a notice of garnishment from the court for a default judgment granted to XXXXXXXX XXXX XXXXXXXX for an American Express debt that I owed. I reached out to XXXXXXXX XXXX XXXX XXXXXXXX collections department for the stated purpose of VOLUNTARILY paying this debt in full in exchange for no longer pursuing garnishment against me. I spoke with XXXX XXXX and XXXX XXXX ( the latter of which conferred with the attorney for my case, XXXX XXXX, at length while I was on hold ). I was told that, although there was typically a 21 day holding period FOR CHECKS, that, per XXXX XXXXXXXX XXXX direct suggestion, a bank wire for {$12000.00} would likely alleviate that, but he would need to speak to the attorney to be sure. After a lot of back and forth between he and XXXX XXXX, he finally came back and told me that everything was squared away and that the garnishment would no longer be pursued. I called back Friday morning ( XXXX ), both to XXXX XXXX in collections as well as another individual in the legal department - both of which confirmed to me that my the wire was successfully executed and that there was no reason garnishment would be pursued and that the only further correspondence I would receive on this case was a satisfaction letter. What is relevant is that when I woke up this morning ( XXXX ) shocked to see that a garnishment was taken from my bank account! I got double-charged! I immediately called and talked to the legal department and was ultimately told that they had only TODAY began the process to notify the XXXX XXXX XXXX to release the garnishment. XXXX XXXX, on a recorded line, told me that this was NOT possible to do Thursday afternoon or Friday last week even after multiple individuals from XXXX informing me that the wire was successfully received. Meanwhile, I am out almost {$13000.00} dollars! Someone should be held responsible for this! And the court record should be rectified! No garnishment was necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Someone reached out to me for the room I am renting. She sent me a cashier check worth {$4800.00}. However, when I received the check she sent me, I have rented the place to someone else. After I told her what happened, she asked me to deposit the check and XXXX the amount to her new landlord. I deposited the check at BOA mobile app and got the money on the next day. So I XXXX the money. A couple days later, The cashier check bounced back as it's a fake check.

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 2018-12-23
Company: EQUIFAX, 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:
The attached post on my credit bureaus claims that a debt was purchased by a third party. At no time from my initial dispute was a debt validated. Under Federal Trade Commission guidelines, a debt must be proved, showing actual hard copy transfer. That does not mean a letter of transfer, but an actual transfer with signature backup. The debt purchase industry is the largest scam ongoing against the American consumer. Both the collection agency/debt purchaser are in violation of their subscriber agreement with every credit reporting agency. At no time was the debt validated, and the initial timeline from the original creditor has been cut off, and thus the debt is illegally being re-aged to benefit both the original creditor and the illegal debt collection process. Both the original trade line must be removed along with the invalid collection process. This problem will continue to exist since the XXXX XXXX XXXX XXXX XXXX Supreme Court decision of XX/XX/2017, whereas the third party purchase voids the individuals rights under the Fair Debt Collection Practices Act. Since there is no proof of true hard copy transfer and ownership, the collection is VOID and the collection process must cease and my file for both accounts must purge. These items must be deleted permanently and my files need to be purged.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: Coinbase, Inc.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My account with Coinbase ( coinbase.com ) was hacked and {$2500.00} was withdrawn from my account. Someone hacked into the account, and withdrew transactions from XXXX and checking accounts which were connected to Coinbase. This happened on XX/XX/XXXX and is due to Coinbase 's inadequate safeguards.

I raised a complaint ( Help Ticket ) with Coinbase and they said that they would investigate and get back to me in 4-5 days. Since then I have sent them numerous emails as followups ( they have no phone number to call ) and they will not return any of my emails. I have meanwhile asked XXXX and my bank to help as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Dear Equifax This is a formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the data furnisher, where their organization has made inquiries into my credit history, to have these illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed. 

XXXX ( XX/XX/XXXX ) NA illegal inquiry removed immediately from my report XXXX  ( XX/XX/XXXX ) N/A illegal inquiry removed immediately from my report XXXX ( XX/XX/XXXX ) N/A illegal inquiry removed immediately from my report XXXX XXXX ( XX/XX/XXXX ) N/A illegal inquiry removed immediately from my report Ive disputed these inquiries on ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) yet you verified them.

Company response to consumer: Closed with explanation