BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-19
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: WELLS FARGO & COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I am having an issue with billing, when I charge something it posts taking away from my available balance.

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 2018-06-13
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:
Hello, I received an email from XXXX saying there was a new inquiry on my Equifax report today XX/XX/XXXX at XXXX. I went into my account on XXXX and it did have a new inquiry on XX/XX/XXXX From XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX, phone # XXXX ), which I did NOT authorize. 

I called Equifax first and was told XXXX XXXX XXXX did request credit report so to call them directly. 

Then I called XXXX XXXX XXXX and was directed to the fraud departments for both wireless and home/XXXX and was told they have absolutely no record of any inquiry they submitted OR any new or old account information for me ( because I have never had or applied for a service with XXXX XXXX XXXX EVER ). 

Then I called Equifax back and was told that XXXX XXXX XXXX is the only entity that can remove this hard inquiry because XXXX XXXX XXXX did put in the inquiry so to call them back. 

Then I called XXXX XXXX XXXX AGAIN, and was told the same that they have no record of such inquiry and so they won't be able to put in a request to Equifax to remove the hard inquiry on my account. 

The XXXX XXXX XXXX entity in question : phone number is a disconnected number, the address is for XXXX, an XXXX in XXXX XXXX, TX. So who is requesting my credit information and why is Equifax giving out this information when I did not give authorization? 

I did inform the Equifax agent regarding this but he did not do anything further to investigate this non-existent " XXXX XXXX XXXX '' business that they, Equifax, provided my credit report to. 

Please help. I want this hard inquiry removed. They can not provide any proof that I authorized this hard inquiry on my credit report because I DID NOT give it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2019 I applied for a heloc loan, I have well over 100k equity in my home, I checked my credit with the three credit bureau, TransUnion, XXXX, XXXX XXXXXXXX, XXXX XXXX, I was denied credit by Trans union that said my score was XXXX. 
I believe these places are giving one number to people on line, trying to sell their service but with the bank calls they give another number. 
I'm sure this is not the first time you have had this complaint. 
the bank id is : XXXX, but it's the trans union people

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 2018-06-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I currently have an auto loan with Wells Fargo Dealer services. Myself and my husband are on the loan. They have two phone numbers for us XXXX and XXXX. We have repeatedly told them to only contact us at the XXXX and not the XXXX number. My husband has a dangerous job and is not allowed to have unexpected phone calls while working at that number. I have called them several times and asked them why they keep calling that number. They tell me " I do not know why it says do not call next to the number. '' We have been telling them for months to stop calling that number. The last time I told them to stop calling that number was on XX/XX/XXXX they called the number again on XX/XX/XXXX. I have now informed them to only communicate through mail.

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 2020-06-28
Company: AMERISAVE MORTGAGE CORPORATION
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-amerisave-to-pay-19-3-million-for-bait-and-switch-mortgage-scheme/ They are still doing this they take a {$500.00} fee, and you never here from them again, or they just tell you your property doesn't quailify. Of coarse the keep the money Told me it would be refunded in 7-10 days that didn ; 't happen told me to have the bank reverse the charges I did that, and they filled a claim to prevent it.I 's all baseed on lies.They took money out of my account on the XXXX XXXX XXXX https : //www.consumeraffairs.com/finance/amerisave_mortgage.html. just read the complaints it's wide spread fraud again.Same people smae fraud a different year.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-10
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:
XX/XX/2020 i had a 41 point drop in my Equifax report via XXXX XXXX. It shows 4 changes, all of which are POSITIVE, none are NEGATIVE changes. I want to know why and how they justify this. I have had almost 80 point drop in 30 days with NO NEGATIVE REPORTS. Equifax will not respond. Its unfair and unjust and needs to be fixed and addressed!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I rented a room in XXXX XXXX, now XXXX on XXXX XXXX, from XX/XX/XXXX to XX/XX/XXXX. When signing the lease, the apartment management did not require a security deposit. 
On XX/XX/XXXX, three months after I had moved out, my mother received an email from the management with an invoice for the following charges : {$73.00} for a coffee table, {$50.00} for a bedroom door, {$160.00} for a mattress, {$45.00} for bedroom/bathroom cleaning, and {$5.00} for an electrical overage, totaling {$340.00}. They claimed that they had notified me about these charges on XX/XX/XXXX via email and uncertified mail, neither of which I received. 
On XX/XX/XXXX we sent a letter via certified mail disputing the charges, and including check # XXXX for the electrical overage. The coffee table had been paid for by my roommate who had caused the damages. The bedroom door had already been paid for on XX/XX/XXXX by check # XXXX which they deposited on XX/XX/XXXX. I did not do any damage to the mattress or room other than normal wear and tear. I believe this error may be because I switched rooms with permission of the management, so they may be charging me for damage done to the old room by whoever moved in after me. On XX/XX/XXXX, the manager acknowledged via email that we paid the overage. 
This collections claim was added to my credit reports in XX/XX/XXXX for {$340.00}. On XX/XX/XXXX I started receiving collections letters from National Credit Systems for {$330.00}. After getting in contact with them, we sent documentation to show that these were illegitimate and unwarranted charges. The most recent letter on XX/XX/XXXX says that they adjusted the balance and reset it to {$340.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: EQUIFAX, INC.
State: AL
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:
I recently pulled my credit report and noticed a few incorrect addresses. I live at XXXX XXXX XXXX XXXX XXXX, Alabama XXXX and that should be my only address on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I created an online banking account with Chase Bank. They stated that if I created an account with direct deposit, that they would award me with {$200.00}. Once I signed up and used one of my other verified addresses, I inputed my unemployment direct deposit. The next day for no apparent reason. Chase decided to lock me out of my account with out a valid reason. Shut down there customer service options on the phone and I couldn't call back. Chase asked me to provide them with a utility bill from my from my previous address and I provided them with a letter confirming proof of address. But to no avail my account is still locked out and chase refuses to help me get my {$200.00} and I've lost this weeks unemployment due to chase bouncing a perfectly valid direct deposit into an account that had absolutely nothing wrong with it. The customer representatives were very unhelpful and rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The accounts do not belong to me. I never made a deals with these banks. Please remove as soon as possible all incorrect information.

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 2018-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 did not open the following XXXX XXXX account on XX/XX/2015, the account is not mines and I'm asking for it to be removed, and/ or provide me with physical documentation as stated within the FCRA law.

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 2020-06-28
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:
I applied for a mortgage back in XX/XX/2020 and this is when I discovered I had some fraudulent items on my report. I contacted all three credit bureaus and I informed them that these items did not belong to me and asked that they are investigated and removed from my report. In XX/XX/2020 I received a response from all three agencies and XXXX  could not verify the item and it was removed. However, XXXX  and Transunion did not remove the items and told me that item was verified. I sent another letter in XX/XX/2020 asking for proof of verification, including who they talked to when they verified accounts and what information was used to verify my items. I received a response letter in XX/XX/2020 from XXXX   and Transunion stating that they would not tell me how items were verified and that I could add a personal statement or contact the collection agency. I contacted the collection agency in XXXX and never received a response. I am sending one last letter that will accompany a copy of this complaint to XXXX  and Transunion. This letter will be received by them by XX/XX/2020, and it will be sent certified mail. This letter explains that the items in question were removed from the other agency and that there is no way they could of properly verified the information and the other agency working within the same time span could not. I feel I have no choice in this matter but to file a complaint because the credit bureaus have not in my opinion done the proper due diligence. I am not sure how my information got into the hands of someone else to open accounts that are not mine, but I am in the process of hiring an attorney to help me figure out what to do about identity theft issues if I have no idea who did it or where they are located.

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 2019-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have multiple incorrect addresses and a social on all 3 bureaus and I want them removed. I also have different names that I disputed and they are still on there

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 2020-06-28
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I attempted to request a copy of my Experian credit report online, but I was told that my identify could not be verified. I had the same problem with XXXX  and XXXX  - I called XXXX, and they told me they had a SSN on file for me that was off by one digit ( ex. XXXX instead of XXXX ). I think the same problem may have occurred at all three credit agencies, but XXXX  would not tell me what the verification issue was. 

I attempted to call Experian to talk to a person in customer service, but EVERY SINGLE NUMBER I CALLED FOR EXPERIAN just gave me an automated message menu with NO chance to talk to an actual person. I have tried calling over 15 numbers on over 30 total occasions : each one results immediately in the same menu. I mailed all 3 credit agencies on XX/XX/20 explaining that I had reason to believe they had the wrong SSN on file for me. 

I have only received something in return from Experian, which sent me a " Dispute result '' form ( which I have attached ). I attempted to access my dispute report online as directed by clicking " View results of a phone or mail dispute '' at https : //www.experian.com/disputes/main.html. However, I could not access this dispute report because the mail I received from Experian did not have the " Dispute ID '' prompted online ( see attached screenshot ). Thus, I have found no way to communicate with Experian besides sending another letter, which I imagine will be met with the same non-actionable response. 

I am frustrated that Experian has made it literally impossible for me to find out why my identity could not be verified with them. I have tried every method I can think of in order to contact them, but I have had zero success. XXXX  and XXXX, though, were very easy/simple to contact a real person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-28
Company: WHEELS FINANCIAL GROUP, LLC.
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: Account information incorrect

Complaint:
I used to have a title loan from XXXX it was delinquent first delincuent on XX/XX/2013 and charge off since then I didnt make any payment on this account but, for some reason ( fraud ) from this company it is showing Im making payments on this account which Im not for the past seven years what they tried to do is keep this account another seven years on my credit report it is agains the law to do this. I need this company to removed this account from my credit report this company is a rip off and doing fraudulent charges on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: DIRECMANAGEMENT, INC.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I oulled my credit after being denied credit. I shockingly found entries for two accounts by DirecManagement, who i have never dealt with know who they are. I disputed with bureaus and this  company returned it verified. Note they never sent me any notifucation or right to dispute this debt letters. I only found by checking my credit. I then sent this company a dispute letter disputing and ask8ng for proof of validity and accuracu of this debt and that its mine. This went ignored. Its been over 60 days and no response but the6 keep reporting and hurting my credit. I do not owe this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
My Coinbase account has been under review since XXXX. 
My account is blocked. 
I have sent several tickets and emails and they do not solve the problem. 
I send my passport, drivers licence and XXXX several times. 
I can not access my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-28
Company: AMERICAN EXPRESS COMPANY
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: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/2019 I signed up for a $ XXXX/month temporary office at XXXX XXXX XXXX location, commencing XX/XX/2019. 

Despite only being there for 3 months -- XXXX, XXXX and XX/XX/2019 -- which should have totaled around {$4500.00} ( {$1500.00} XXXX XXXX ), the merchant has billed me {$6600.00}, an overcharge of nearly 50 % more. 

I disputed this overcharge and the merchant has bombarded American Express with different sets of alleged receipts/records that differ not only in amounts charged, but the name of the invoice as well -- i.e. XXXX XXXX to XXXX XXXX. 

Notwithstanding the erroneous documentation, this is a very clear cut matter. I was a tenant for 3 months at XXXX XXXX/month : XXXX XXXX {$1500.00} = {$4500.00}, not {$6600.00}. 

The merchant has also ( 1 ) added alleged cleaning fees to an office that was left in pristine condition, and ( 2 ) if the XXXX charge did, in fact, include a retainer/security of {$1500.00}, that is problematic, as this amount has not been returned to me. 

The merchants shady business practices of charging unsupported fees, not returning security deposits, and billing unauthorized amounts is well-documented on the internet. 

In fact, the merchant has lost multiple lawsuits in several states regarding its deceptive and unlawful business practices. 

I agree to pay {$4500.00} plus any applicable taxes and not a XXXX more, and expect to be refunded approximately {$2000.00}. 

Despite all of the corroborating evidence I have supplied to American Express they refuse to protect me from this overcharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
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: Their investigation did not fix an error on your report

Complaint:
Equifax keep reporting me late on Child Support. I disputed it because that is an error. I am not late it comes out of my check automatically. I had it set up that way so I won't be late, and I take care of my child. I send extra and have receipts. Yet I thought for sure with all of that Equifax would remove the error. Instead they reported me late again and dropped my score. they never responded to my dispute on this. It's been 90 days since I disputed it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
signed up for the Citi/AAdvantage Platinum Select World Elite Mastercard and was approved on XX/XX/XXXX. During this time, they were running a promotion for XXXX bonus miles when you spend {$3000.00} or more in the first three months. This is the reason I applied for this card. I met my minimum spend and was only given XXXX bonus miles. I chatted with a customer service agent through the website on XX/XX/XXXX and was informed that I need to provide them with proof of this offer. How can I do so when the offer was online and I applied online? None of their subsequent communication provides any information on this offer. If I look up their historical information online, I find the dates of the offer to match what I believe was correct. XXXX XXXX XXXX However, they are refusing to look it up in their own system what the historical offer was at that time. I find this to be predatory and flat out lying to your customers. 

I filed a complaint with the XXXX. I received a call from Citi stating since I applied online, they can not honor the promotion. There are several websites that show this promotion was valid during this time period. They refuse to honor it. This is fraudulent.

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