BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-12
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
I disputed a medical collection negative account on my credit report. I wrote validation letters to the collection agency and the two credit bureaus that posted the negative items. The collection agency responded, but did not provide any validation info. One bureau removed the negative item after my letter dated XX/XX/2022. ( XXXX ) The other bureau did not. ( Equifax ) The account in question is listed below : COLLECTION AGENCY NAME : XXXX XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX XXXX. {$300.00} STATUS DATE : XX/XX/2022 A second letter dated XX/XX/2022 to XXXX and Equifax to resolve this issue have not been answered. I appeal to you that if XXXX can not validate this alleged debt, then Equiax remove it immediately from my credit report. Thank you. 

best regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
WellsFargo, I 'm getting really tired of the run-around. 2 years ago ( XXXX ) I was told by one of your bankers in XXXX, GA, that it would help me organize my finances to open more bank accounts- an extra checking, an extra savings, and a personal line of credit. I foolishly followed that advice, and ever since you 've nickel and dimed me with fees. ( $ XXXX service fee on checking, $ XXXX service fee on savings, then {$35.00} overdraft fees when you drain my account ) The past few months I 've tried multiple times to close XXXX of my accounts. I 've gone into a branch to close it ( in XXXX, at a branch in XXXX, AL ), only to be told that they could n't do it. I was told you could n't transfer money from one of my accounts to another. How is that even possible? These are Wells Fargo accounts and I was there in person to verify the transfer! So, I 've tried transferring the full balance of one of my accounts to another online, then calling customer support ( beginning of XXXX ). They told me they could n't close the account because the transfer had n't gone through. Well guess what, when the transfer does go through ( it took XXXX business days ) and I have a XXXX balance, you guys charge me fees so my account goes negative. As you might guess, that also makes it impossible to close the account. I 'm not enjoying this game and I 'm not sure I want to play anymore.

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 2019-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion is reporting incorrectly that I am 120 days past due on XXXX XXXX XXXX  - partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. XXXX and XXXX are reporting correctly. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2021-03-07
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2018 {$4400.00} XXXX XXXX. Original Creditor XXXX XXXX XXXX. I gave 60 days notice that I wasn't renewing my lease. They stated they had to repair and clean stuff. The repairs should have been fixed when work orders were submitted. Exterminator said my apt was the cleanest one he serviced in whole complex. My deposit should've been returned. They just treat me like I'm lying about it. Other places can't believe the amount they fabricated.

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 2019-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my 4th and final complaint against this bureau. I have sent several affidavits yet They refuse to properly address them. 

I have never been provided the methodology for these alleged accounts on my report. 
1. XXXX XXXX XXXX XXXX ( 2x ) 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX They have refused to provide : 1.name ( s ) of representatives spoken to at the above institution 's that they allegedly verified these accounts with.

2. Complete account number ( s ) 3. Time, phone number called, date spoken with 4. Title of rep spoken with to allegedly verify these accounts.

5. Methods used to verify 6. Complete name, ssn, dob of alleged account holders ' name.

7. Date account was opened, reported etc 8. Name of representatives at above institution 's that opened these accounts 10. Branch Locations where these accounts were allegedly opened 11. The original, signed documents/contract from the above institution 's 12. Notarized, Affadavit from creditor ( s ) stating who the debtor is.

In addition, this process has went om for 1 year with no resolve.

I am being held hostage and my credit is being adversely affected in the process.

I demand that these accounts be deleted immediately as you have not done what was necessary in the allotted timeframe.

In addition I have repeatedly started that no other names are mine beside XXXX XXXX.

Yet they continue to illegally report other names that don't belong to me.

They clearly have me mixed up with someone is.

I have repeatedly stated that no other addresses being to me besides XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Yet they continue to report addresses on my report that don't belong to me.

This is illegal and unfair. Justice will be met.

Signed, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: AR Resources, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was checking my credit report because I'm in the process of buying a house when I found out two days ago. The collection company 's name is AR Resources Inc, and the original creditor is XXXX XXXX XXXX. I have no idea who these people are. They are charging me {$750.00}. They reported the inaccurate and fraudulent debt to the credit bureau agencies. They requested a filed report from CFPB to delete the items. 
Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: LoanCare, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
LoanCare, LLCCustomer AdvocateAttn: XXXX XXXXXXXX. XXXX XXXXXXXX XXXX, VA XXXXI am writing to request correction of the error described below in regard to the mortgage on my property. Your company failed to credit the payment of $XXXX I made on XX/XX/XXXX via the USPS and XXXX XXXX XXXX  XXXX Cashier’s Check # XXXX (enclosure 1). Per enclosure 2, XXXX XXXX paid off my loan in full $XXXX onXX/XX/XXXX. On or about XX/XX/XXXX, your company issued an escrow refund of $XXXX.  I contacted your Customer Advocate team on XX/XX/XXXX to address this issue. A ticket # XXXX was issued for my complaint. I contacted your Customer Advocate team again on XX/XX/XXXX and XX/XX/XXXX.  As of the date of this letter, my complaint has not been resolved to my satisfaction.

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 2020-11-09
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX has reported student loans that I held with them is delinquent during XXXX which is incorrect. I have contacted the company and they stated I need to dispute with the credit bureaus which I have done on 4 separate occasion. I have also submitted documentation of my account from the company 's website showing that the accounts have never been delinquent. As these are federal student loans had they been delinquent additional actions would have been taken by the company. The account shows the following : In XX/XX/XXXX paid as agreed, XX/XX/XXXX 90 days past dueXX/XX/XXXX 120 days past due, XX/XX/XXXX 150 days past due, XX/XX/XXXX 180 days past due,XX/XX/XXXX 180 days past due, XX/XX/XXXX 180 days past due, XX/XX/XXXX no data submitted, XX/XX/XXXX no data submitted, XX/XX/XXXX paid as agreed. This same reporting was done on all 7 of the accounts that I had open at that time with " Dept of Ed/XX/XX/XXXX'' Accounts beginning with XXXX. I do not have anywhere else to contact, the bureaus state I must work with the creditor and the creditor states I must work with bureaus. I have been attempting to correct this error for more than 3 years and am at a loss as to what to do next. This issue has cost me several thousands of dollars in increased interest associated with the impact this has had on my credit score.

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 2017-11-02
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried to delete this account from midland numerous of times. I do not owe midland funding any money. Their policy listed on the website says " per our policy, we will stop credit reporting on accounts that are more than XXXX years past the date of the delinquency so how do i still owe this company. Midland have also ignored my request for validation i sent certified mail ( i have attached the letter ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Servatus Corporation
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The Company Credit Solution Corp is acting as a debt collector for the company XXXX XXXX XXXX. The company has been reporting to all 3-credit bureaus since 2019. When I called and send letters to request information obtain information about the debt. The company is not authorized to collect on the debt. Being that this is showing as a new debt with a high balance has made it extremely difficult for me to option any fair Evalution on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
This is the last of dozens of emails I sent to Coinbase about my issue. 

Hello XXXX, Thanks for the response. My account has not been secure at all on coinbase. I have been on customer support longer than coinbase itself because I have had grave concerns about its security. Last month I made a {$2000.00} bitcoin purchase. I was double charged for that purchase. Then I was charged another 2 payments for {$2000.00} each so Coinbase illicitly charged me {$6000.00}. I called customer support and asked that the those charged be wiped out. I was given a {$4000.00} credit reversal and now Coinbase and I are square. However, I was given another {$4000.00} of refund from Coinbase because from what I read on your support site, this was a widespread issue. Now I am up {$2000.00}. There is an attachment of my bank statement that proves that I was paid 4 payments {$2000.00} and they are differently labeled to suggest one batch of 2 payments was a result of my phone call and the other the natural repayment of what I assume is a group of customers who had the same issue. Now, I had already told my bank not to permit Coinbase from withdrawing money from my account, which I was absolutely in the right to do as I was improperly charged three times, so instead of Coinbase just contacting me and asking me to deposit in the account, I lost half a bitcoin, which, as my asset, has cost me far more than {$2000.00}. While monetarily we are even now, the issue here, XXXX, is that due to this whole issue with Coinbase making a slew of errors, I have lose my bitcoin. What I have been fervently pushing, is permission to repurchase that exact amount of bitcoin for {$2000.00} cash, effectively renege that last transaction, since this was all a series of errors from Coinbase. I should be asking for additional compensation due to the slew of issues of time and absolute pain in the XXXX this was, but all I want to do is restore the status quo. 

Additionally, you may seen from my bank account that I work for XXXX, a leader in cyber security, so you can believe that there is nothing I take more seriously that the security of my money and my cyber-assets like bitcoin. My assets which have been violated 4 times now, 3 times with improper {$2000.00} chargers, as well as the 4th time in taking my asset which is far more valuable as an investment. 

I look forward to hearing from you to get this resolved- this has taken weeks to sort out and I hope that it can conclude soon. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for Citi Double Cash Card online and was approval. Citi sent me the physical card and a form which request for more information including Form XXXX and a copy of my social security card on XX/XX/XXXX. The deadline of this request is XX/XX/XXXX. 
I mailed the information Citi asked on XX/XX/XXXX. However, on XX/XX/XXXX, Citi mailed to me a letter stating that my account is closed without explanation on what is missing for my documents. I called in to check with them. The operator told me something about my last name is missing and my only option is to re-apply for this card. I was furious and hung up. A couple of days later, I called again to Citi and asked for a supervisor. I told her that I was going to file a complaint if Citi do not take action towards my issue. The supervisor agreed to reopen my account and asked me to wait for 5-7 business days. However, about two weeks later, I did not hear anything from them, so I called again, another supervisor told me that Citi can not reopen my account. The only option is to re-apply and have another inquiry to my credit history. The way Citi treated its potential customers is absolutely terrible. No clear reasons are provided. No notifications are sent before actions. No actions are taken after promises.

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 2017-11-02
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This complaint is about XXXX card. I have a XXXX card which was due on XX/XX/XXXX. My daughter handed it to me today, XX/XX/XXXX. I called XXXX immediately to make the payment in full of {$4500.00}. I respectfully requested thats the late fee which was being assessed Be removed from my bill.I had the money and was intending to pay the balance in full as I have consistently done since I have had the card. Apparently, the bank has a policy of not forgiving the late fee more than once no matter how good a customer is or whether the bill was delayed unintentionally. I do not think I deserve to give XXXX XXXX an additional {$37.00} for three more days that passed by beyond the due date. I find it incomprehensible that a bank would be so rigid, greedy, and unforgiving. The size of the late fee is huge for a retiree on a fixed income.

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 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom it may concern, I recently challenged the validity of XXXX XXXX XXXX Account # XXXX ( Collection ) account thats being reported on my most recent credit report. Upon challenging this, XXXX ( Credit bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true, I am requesting the information, you used to verify this account in writing. If such documents can not be produced, please DELETE this account from my credit report immediately.

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 2017-11-02
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX, 2017 Midwest Recovery Systems placed a opened collection on my credit report for a Debt owed to XXXX XXXX XXXX XXXX. I have not been contacted by Midwest Recovery Systems regarding the collection. To my best knowledge the company they claim I owe the debt too is no longer in business per the BBB website and was a non licensed payday loan company. I have never taken out a payday loan with this or any company. My credit report shows that owe them {$860.00}. I have tried to find contact information for XXXX XXXX and have not been able to locate it. My main concern is why did Midwest Recovery Systems place this on my credit report in the first place? From a company, that in all my research, seems to be a unlicensed closed business?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was made aware that an individual illegally gained access to my US Bank checking account on XXXX XXXX, 2017. The way I was made aware was by receiving a series of death threats over my landline telephone because I had {$3000.00} that belonged to this person. About the same time I received 9 emails from US Bank that my PIN was changed, my DOB was changed, my security questions were changed, my password was changed, and that the check I deposited over the mobile app in the amount of {$2900.00} was successfully deposited. I made no such deposit, and have never utilized the US Bank phone application. The police were called and relevant reports were filed. 

I explained to the bank that I had received death threats pertaining to this incident, and requested a very thorough investigation as well as all information pertaining to the check in question. The bank verified the check was fraudulent, but refused to give me any further information, including how an individual was able to use their mobile app to break into my account, the location of the cellular phone used to illegally gain access to and deposit a check into my account, the type of cell phone used, and for how long the individual had been accessing my account. Instead the bank closed my account without notifying me or providing compensation for the money left in the account, and now refuses to answer any inquiries into this matter.

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 2021-05-10
Company: Santander Consumer USA Holdings 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: Account information incorrect

Complaint:
I initiated my complaint process with Chrysler Capital on XX/XX/2020, after reviewing my credit report and noticing errors with an old account. I sent a letter to Chrysler Capital via USPS Certified Mail requesting supporting documentation regarding the resale of a vehicle. I can confirm that the letter was received on XX/XX/2020, and was signed for by XXXX XXXX. I never received response to my request, so my next step was to dispute this account with the credit reporting agencies ( XXXX, XXXX, XXXX ) as it appeared to me that Chrysler Capital could not verify the requested information. The bureaus properly investigated, but the dispute came back as verified. Not only do they claim to have verified this account, but they have also increased the balance owed and changed the payment history without ever notifying me.

Company response to consumer: Closed with explanation