BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-28
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Recent Hospital bill was placed in collections on my credit report for my adult son who has not been covered under my health insurance, since XX/XX/2009. XXXX Hospital then transferred the bill to collections company Transworld Systems. After multiple contacts with Transworld Systems as well as XXXX Hospital Billing, Transworld can find no information on any accounts in my name but a Derogatory report from their company remains on my Report. I have ran in to credit issues over the years and have been working diligently to repair my own accounts and it is disheartening to find Derogatory marks due to inaccurate credit reporting practices of XXXX businesses, that affect all aspects of my financial life. It makes me wonder how much of my former credit problems may have been caused this same manner and missed on my part prior to paying in effort of repairing my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: Risecredit, LLC
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:
XX/XX/2018, unpermissible provisions in pulling my credit It is your responsibility to ensure your permissible purpose in accordance to the fair credit reporting act before reviewing a consumers credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: ONLINE Information Services, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Online Information Services reported debt for utility company XXXX XXXXXXXX XXXX XXXX to credit bureaus. Although I do not claim the debt, I attempted to pay the debt in full with the collection agency in order to have it removed from my credit report. The collection agency refused payment. I contacted the original creditor, XXXX XXXX XXXX, to clarify the debt. They agreed to accept the payment directly. The debt has been paid in full to the original creditor, although I do not claim responsibility for this debt.

The account has been disputed with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have never taking out a student loan with this private lender. This account appears to be fraud and I have no knowledge of how this account appeared on report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: WELLS FARGO & COMPANY
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Access to money from check deposited at Wells Fargo AMT in XXXX was denied for 2 weeks. Normal hold is 3 days. Reason given by bank rep : check should have been deposited at bank branch, not ATM. Check from sale of stock for more than {$7400.00} was needed to pay rent and holiday expenses. When called, bank rep simply said something was wrong with check from XXXX. In fact, responded rep at XXXX, check had already been cashed and funds credited to ny wells Fargo account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-05
Company: WELLS FARGO & COMPANY
State: OR
Product: Credit card
Issue: Late fee

Complaint:
Wells Fargo 's online banking app gives you a convenient button on the account summary page to pay the credit card balance. But after clicking that button the next screen there are 3 payment options : 1st says " Total amount due ( Includes current amount due, past due and/or over limit amount and fees ). 2nd option says : " Past due amount ''. And 3rd says " Other '' with a space to enter an amount. This is misleading. It implies that option 1 is payment of full balance. One must understand the bank 's twisted lingo that " Total Amount Due '' is not the same as " Total Outstanding Balance ''. Total Amount Due is actually the MINIMUM amount due. Twice my wife and I have had paid the " Total Amount Due '' thinking we were paying off the whole balance, only to find out interest charges and fees the next month. Essentially by being misleading about " Total Amount Due '' the bank misleads us into keeping an outstanding balance on which they charge a ridiculously high fee. They could solve this problem by easily having another option that says : " Pay full outstanding balance '' with the amount shown automatically.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I've written your company several times all sent out via mail. I haven't heard any word so I have no choice but to submit my complaint here about my credit report. There are false or misleading representations. There are several accounts were the payment history is not consistent and should be correct. On Experian and XXXX  it reporting different information. The following accounts I have did my due diligence and actually carefully reviewed my report. I feel like you guys are stalling and not properly investigating

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 2016-09-12
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I recently paid off balance in my personal line of credit. My checking account was immediately debited. But as of two business days later, the credit to the loan account was still not posted. XXXX accounts are on books of Wells Fargo. When I inquired, I was told it takes up to 3 days to post the payment. Remember : these are book transactions. After several frustrating attempts to get a simple answer, I am appealing to the CFPB. If it takes 3 days for whatever reason but loan account is credited on backvalued basis to date payment made, then I am not charged extra interest. I can not get a straightforward response from Wells. I have attached the email exchange so you can see this firsthand. 
Thank you.

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 2021-02-11
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/03 I changed my password to my digital wallet on coinbase.com. After entering in my new credentials I was prompted to complete a 2 step authentication to successfully access my account. The 2 step authentication is to receive an 7 digit code via SMS text message to my phone number I have on file with coinbase. After entering the code into the coinbase website/app I would be able to access my account. The issue is I am not receiving the text messages with the code and I don't know why. My phone number and all my other contact information has NOT been changed. In the past I have received these text messages and this is the first time I have encountered this issue. There is no other alternative option to receive this code so I have not been able to access my account for 8 days now. I have opened a case with coinbase on XX/XX/03 ( case # XXXX XXXX but I have not heard anything back. I tried contacting them multiple times but yet still no response. I need to get access to my account ASAP as I am losing potential earnings.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-25
Company: Comerica
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Direct Express has held my funds are electronically against the electronic funds transfer act requested that my funds be released so I can have an accommodation made for me under the Americans with XXXX Act so I may purchase my medicine but that accommodation was also denied

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: BBVA FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Applied for BBVA checking account during a promotion for XXXX . Met all requirements, and called customer service representatives multiple times over the course of the past 3 months. Was told by representative that the XXXX $ would be deposited into my account by XX/XX/XXXX ( she gave me a corresponding ticket # as well ). Called customer service again on XX/XX/XXXX and was told to wait until after XXXX XXXX. Called again on XX/XX/XXXX as money was still not yet deposited, the first representative told me the ticket # did not exist with my account. Called a different representative, and was told the ticket # actually exists and I have to wait until XXXX ( more than 90 days after opening account not in agreement with the promotion that was listed ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-02
Company: Experian Information Solutions 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:
Hello, I have disputed the XXXX  account multiple times and submitted all necessary proof stated in section 605B of FCRA and still item appears in my credit. I have no other choice but to write this complaint and hope for the best.

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 2016-09-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2016, I received 4 emails from Wells Fargo Bank, welcoming and thanking me for opening ( 1 ) Wells Fargo Everyday checking account, ( 2 ) Wells Fargo Way2Save savings account and ( 3 ) Platinum Debit card. I also received a thank you for registering to Wells Fargo Online. The problem is I no longer have any WFB account of any kind at the time. I previously held a {$80000.00} credit card which I had cancelled. I also previously had one of my XXXX accounts with WFB which I had since rolled-over to another bank. 

I can not get a straight answer or explanation from WFB about these emails. I am afraid that I may be a victim of identity theft or other financial fraud. 

I am attaching a couple of these emails. 

Sincerely, XXXX XXXX XXXXXXXXXXXX

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 2018-05-11
Company: National Credit Systems,Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was notified last year when attempting to purchase a home that this collection from a company that purchased my old apartment complex was attempting to collect. I do not have an account with this new company that purchased the apartment complex and assumed all its debt. I never had a rental agreement with this new company either. I moved out of XXXX XXXX XXXX in XXXX and this new company bought XXXXXXXX in XXXX. I had no further contact until XXXX when my credit report stated this debt was being collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan
Issue: Applied for loan/did not receive money

Complaint:
I was refused a PayDay loan because they have me listed as On Active Duty in the Military. See attachment. But I am a CIVILIAN and I have never been in the Military. I am XXXX years old. How in the world did I get listed as being in the Military? 
How can I get OFF this List of being On Active Duty in the Military. 
ASAP please!!! 
Thank you!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: Experian Information Solutions 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:
XXXX, XXXX and Experian have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter. AND THEY WONT RESOLVE THIS ISSUE.

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 2021-06-04
Company: Aspen National Financial, 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: Was not notified of investigation status or results

Complaint:
I have try to resolved an issues with Aspen National Collections with no luck. This is all over Resort maintain and tax fee. On XX/XX/2021 I call and spoke with XXXX XXXX who got mad when I requested validation of debt since they are refusing to get deletion done. Then I spoke with XXXX XXXX. " Manager " he stated they do not do deletions or actually they do not know how it work. I do not believe they have the proof debt. 

Today XXXX I call again and spoke with a XXXX again a manager. 
He said by company policy he can't delete from the credit report. He said their clients do not allow credit deletion. I told him that the address was wrong and I never got the opportunity to pay it before it went to collections. He said they mailed 3 collections notices to the XXXX XXXX. I told him again that was not my address anymore. Even when I told him that the address was wrong and never had the chance to pay it before it goes to collections he continued refusing to delete. 
I do not understand why they are doing this. They do not have validation of debt nor do they have my correct address. This is all wrong and their mistake and therefore should be remove from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-21
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:
I have been having an identity theft issue that i have not been able to resolve with XXXX XXXX for quite some time. 

XXXX XXXX has had my file supressed. I have not been able to obtain a copy of my file and have the fraud accounts removed from my file. I was able to have the fraud accounts blocked from my file in XXXX and Equifax but due to the suppression of my file with them and my file being handled by a department that is never able to take my call and due to the corona virus situation it has only made it even more dificult for me to resolve this matter with them even worse. 

Based on my resolution with Equifax and XXXX the fraud accounts are as follows XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: EQUIFAX, 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:
1. REGISTER LETTER NUMBER ( S ) : XXXX XXXX US ; XXXX XXXX XXXX XXXX US ; XXXX XXXX XXXX XXXX US ; XXXX XXXX XXXX XXXX US. 

( A ) SERVICED ON THE ENTITY : XXXX XXXX  ; XXXX XXXX XXXX ; XXXX, PA XXXX.

2. CERTIFICATE AND PROOF OF SERVICE ACCOUNT TRACKING NUMBER ( S ) XXXX ... XXXX ... 

( A ) ENCLOSURES : NOTICE OF RESCISSION ; AFFIDAVIT OF FORGERY ; LOAN DEBT VALIDATION REQUEST ; NOTICE TO CURE 3. REPORTING AGENCY HAS DEFAULTED ON ANSWERING THE VALIDATION DEMANDS AND THEREFORE MUST REMOVE THE MISTAKE FROM THE RECORD.

4. THIS ERROR IS AN INJURY AND TRESPASS ON THE HOLDERS CREDIT INTERESTS. WE REQUIRE A REMEDY.

5. ALL CLAIMS ARE REGISTERED, CERTIFIED, AND TENDERED TO ALL PARTIES INCLUDING FEDERAL AND STATE AND MUNICIPAL PUBLIC/COMMERCIAL EMPLOYEES -- - CORPORATE STATE OF CALIFORNIA.

4 ( A ) PLEASE SEE THE ATTACHED DOCUMENT : RETURN_RECEIPT.

6. KNOW THAT ... THE ATTACHED CERTIFICATES AND PROOF OF SERVICE ARE EVIDENCE OF CLAIMS FILED.

7. NO PERSON/MAN/WOMAN HAS PROVEN THE LOAN AGREEMENT.

8. WE REQUIRE DISCHARGE AND DISPOSAL BECAUSE THE LOAN IN QUESTION IS CAUSING A FALSE AND INJURIOUS REPORT ON THE PERSON AND THE HOLDER 'S RIGHT IN INTERESTS.

9. UNDER PENALTY OF PERJURY ; WITHOUT PREJUDICE ; ELECTRONIC SIGNATURE BY HOLDER/OWNER OF NAME : XXXX XXXX XXXX, ALL RIGHTS RESERVED WITHOUT RECOURSE.

10. NOTICE U.S. CODE : TRUTH IN LENDING ACT -- 5.1635. Right of rescission as to certain transactions. ( a ) Disclosure of obligor 's right to rescind a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section. ( b ) Return of money or property following rescission. When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
After reviewing my credit report i found that they had picked up 2 accounts from XXXX XXXX that were opened in XX/XX/XXXX. They have reported the debt on both opened XX/XX/XXXX. Both of these have exceeded their statute of limitations. I tried to talk to them on the phone but they have threatened legal action up to and including being put in jail. I ask that they cease and decist and remove the remarks from my credit reports as well as receive payment for the maximum amount allowed by law for punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
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: Information belongs to someone else

Complaint:
I have been a victim of identity theft. I am a single mother who is also an XXXX. 
This damage to my life has caused my little XXXX XXXX   additional damage. 
I have filed a police report and used your Federal Trade Commission affidavit. 
I feel all alone here. 
These companies like XXXX XXXX, XXXX and Experian are reporting things against me they can not substantiate. 
What can I 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 non-monetary relief
Consumer complaint received 2020-08-21
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: Account status incorrect

Complaint:
Equifax ; XXXX and XXXX should not be reporting a collection/chargeoff in the amount of {$14000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This vehicle was sold at auction and sold for more than the amount owed. This account needs to report a {$0.00} balance. There is no outstanding balance due and therefore there is nothing to collect/chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: EQUIFAX, 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: Account information incorrect

Complaint:
once again Equifax reported reporting an account as current all last year and then this year they are reporting it late for a whole year. My XXXX XXXX account was reported as current all year in 2017 and now they are reporting it as late the whole year.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I 've made payments to my home equity line of credit ; however the lender does not reduce the interest first - they only apply the amount paid to the principal. This enables the bank to accrue more interest and increase the amount of the loan on the back of the customer. When I sought a response from the bank, the response was that no payment was due. However, interest continues to accrue ; so by me making a payment and the bank not applying the accrued interest, I am being charged additional interest despite my paying a monthly payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation