BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-28
Company: Results Unlimited, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX and I XXXX XXXX  settled outta court for {$500.00} on XXXX XXXX... 
They took my security deposit and trying to come take my money...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Experian Information Solutions Inc.
State: NV
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-02-04
Company: EQUIFAX, INC.
State: NV
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: Automated Collection Services, Inc.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX originated the loan in XX/XX/XXXX-XX/XX/XXXX Then, XXXX XXXX went bust. They at some point sold the loan to XXXX XXXX, out of Colorado XXXX XXXX has sent the loans to collections via ACSI, who is threatening to retain my tax refunds. XXXX never notified me of default. XXXX XXXX never provided due diligence/process of reconciliation, forbearance, repayment options etc. This ACSI outfit, whose mailing is labeled from XXXX, OR, and Kentucky, but call center in Tennessee is the slimiest debt collection institution. The threats and harassment, especially of stealing tax returns is blatant. Obviously their debt was acquired through completely deranged and incorrect channels. XXXX failed to offer due process of loan recovery, as did XXXX XXXX. I have disputed the validity of the debt to asci. The operators at their institution asked me for my full social security number, which I found to be a fraudulent method of verifying identity. I explained repeatedly that I believe their collection to be invalid and illegal, and will only verify by yes or no the information they may have on file, but will not be providing my full social security to them. They mentioned today repeatedly being concerned about them potentially being sued for fraud. I elxplained to them that they should be concerned, as they are in fact attempting to collect a debt not originated by them. Essentially, they are parasites, exploiting loopholes in student lending laws, targeting specific individuals in the population, harassing me and others and threatening to steal tax refund. They may not be obligated to abide by student lending laws, but they are obligated and under duress of law to practice legal debt collection ( s ) i.e. Offering resolution, due process. At no point was any effort made by any of the three involved institutions to resolve the debt according to either student loan lending laws, or economic/debt collection laws. During last conversation, XX/XX/XXXX. They alleged to have placed collection in dispute and suspend collection effort. When asked to clarify what exactly " dispute '' means, representative of ACSI stated that master promissory note would be sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A few years ago I opened up a secured card from Capital One for {$500.00} dollars. 
It got maxed out due to financial hardship but I always tried to pay something. Capital One continued to collect high interest rates for months and months with no issue. I decided to pay the card off to bring the balance to XXXX and they closed my account days after. ( If not even faster ) It appears to me that they intentionally waited for me to pay off the balance to close my account, isn't this highly illegal? That's not even the only issue. They never gave me my deposit of {$500.00} back. They only refunded me {$390.00} and kept telling me that's all I gave them which is a lie ; I gave them XXXX dollars hence my XXXX dollar limit on a secured card. 

Basically not only did they wait until I paid it off to close my account which is blatant discrimination and borderline scam behavior, I had to call to get my deposit back after I paid off the entire balance and then they didn't even give me my whole deposit back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: Account Discovery Systems, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/2018 at or around XXXX, I received a phone call from a blocked number stating that they are from the county, and are wanting to meet up with me to have me sign a legal document, and that I am being sued by the company filing the paperwork. I was instructed to call ( XXXX ) and reference a file number. The number provided is for a collection agency called XXXX. XXXX informed me that it is a debt with a company called " Account discovery systems '' who hired them to collect a debt from the originator ( XXXX ). When I asked XXXX to validate the debt, they asked for my email to email me the validation. I denied- as I wanted to send them a formal letter asking for proof of the debt. They denied providing their address and claim that they're not allowed to provide their address. I had stated that I want proof that I owe the debt, however the person who I was speaking with, became irate, and belligerent stating that they will close my case and suggest legal action if I don't pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 recently pulled my consumer risk report through XXXX XXXX. My clue and consumer report has an accuracies that do not verify with the correct information. My name is wrong. My address is wrong and also other consumer reporting information dealing with credit and background that needs to be updated with the correct 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 non-monetary relief
Consumer complaint received 2022-02-04
Company: Early Warning Services, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have an account with XXXXXXXX XXXX, the place a hold on my account stating XXXX  has placed a hold and they are closing my account and they dont have a time frame for that unless XXXX  removes the hold. I spoke with XXXX  they said they reported my Banking Credit Report and have nothing to do with my account and my money into it. There customer support says otherwise and they didnt transfer my call to their supervisor and kept me on hold for one hour and then disconnected. There customer care/ security department doesnt have appropriate knowledge and they dont listen to the customer. 
I am on disability and not able to move around all my monthly instalments and rent payments are bouncing because of the hold without giving any reason. 
I have already applied for getting my XXXX  banking credit report which they say 15 days to process and another 30 days to settle the dispute and the bank says unless this is not resolved they wont give me money back. 

Please help me resolve this matter ASAP. 
My account number is XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
yes, i applied for a td bank pre paid credit card and the banker at XXXX XXXX XXXX, XXXX, NJ XXXX said i would be ok with this. he helped me and was very nice.
however, td bank stole my money, this secured account was overdrawn illegally, and i never got the prepaid card i was approved for and i lost hrs of my time XXXX $ and my credit suffered.
td bank has again stolen my money with incompetence.
additionally i always put money into td bank change and that was a scam and a fraud from td bank and i demand an accounting of all the change i used in their money machaine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
my student loans have increased from XXXX, to XXXX, XXXX XXXX dollars and the school i attend was no where near this cost and i was in the military but some how my loans how still went up i do n't feel like the loans being billed are mine. also i am a XXXX vet and still interest or some charges are causing an increase. i cant tell where the charges are coming from.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There is an account reporting on my credit report that i have requested to be deleted by the XXXX XXXX XXXX in which they agreed. I have attempted to get your bureau to remove them via phone, mail, and on the online dispute features ( XXXX ) with no luck. Please see attached creditor response.

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 2021-03-10
Company: Integrated Asset Recovery LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX is not providing requested documents so that I can investigate & verify accounts are mine and they are reporting accurately. As of now they are reporting inaccurate information without providing me proof these are my accounts. I disputed directly with them and received no response to my certified letter. If they can't show actual proof they can't collect nor can they report. Per section 609 I have the right to request an actual agreement/contract bearing my name. XXXX is maliciously and purposely hurting my credit by reporting false information.

Company response to consumer: Untimely response
Consumer complaint received 2018-01-04
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I requested a wire transfer from Coinbase ( XXXX ) back to my account at XXXX XXXX in the amount of {$10000.00} which was my limit to transfer per day I then made 3 additional wires after that in the amount of {$10000.00} each time for a total of {$40000.00} it is now XX/XX/XXXX I have not received any money to my account and the XXXX account indicates the transfer of funds is complete for all {$40000.00}!!! I have called customer support after an hour wait on the phone was told they would contact the mother company to expedite my wire transfer. I called again today and waited 35 min. and was told I need to wait for the the department handling wire transfers to contact me! This is unacceptable please let me know if you can help get my money out of this company!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
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: Public record information inaccurate

Complaint:
Ch XXXX bankruptcy # XXXX filed on XX/XX/XXXX is showing up on mortgage credit teport with a date released of XX/XX/XXXX. This information is inaccurate and has caused a denial of loan to buy a house. I have submitted several disputes regarding inaccurate information being reported on this account and yet it still remains on my report as erroneous information. This is a direct violation of my right under the FCRA.

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 2022-02-04
Company: WELLS FARGO & COMPANY
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Well Fargo refused to remove PMI from my mortage even though I only owed 10 % of the principal. They said this was due to me missing a payment but I haven't missed a payment, I used their offer to defer a payment due to COVID hardships. They considered this a missed payment and refused to remove PMI. This prompted me to go ahead and pay the final principal amount. Once the mortage was shown to be paid in full Well Fargo charged me a double PMI payment of {$250.00}. How can we hold these fraudsters accountable?

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 2021-12-28
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Ch XXXX bankruptcy # XXXX filed on XX/XX/XXXX is showing up on mortgage credit teport with a date released of XX/XX/XXXX. This information is inaccurate and has caused a denial of loan to buy a house. I have submitted several disputes regarding inaccurate information being reported on this account and yet it still remains on my report as erroneous information. This is a direct violation of my right under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for this to appear in your credit file. The Credit Bureau has not updated the information and per the new law true bankruptcy listed does not include this information and should be deleted from 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 2022-02-04
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX Bank is reporting that my XX/XX/XXXX payment was over 30 days late on my credit bureau report. My monthly payment is due on the XXXX of each month. I made an electronic payment via the phone on XX/XX/XXXX. According to XXXX Bank the payment was reversed due to insufficient funds ( See attached screenshot from XXXX online screen ). I had more than enough funds in my checking to cover the payment which is reflected in the bank statement page I've included. I've confirmed with XXXX XXXX that the funds were there and they show no payments being returned on their end. XXXX Bank made no attempt to contact me to let me know there was an issue with the payment that I processed via phone. I was not made aware that the payment was late until I was working on refinancing my home and it came up on my credit report. I have made several attempts to have XXXX reverse the issue on my credit report and they have declined to admit any errors on their end and as such will not reverse the negative reporting on my credit report. This is the only late payment on my credit report, I have excellent payment history. In addition to this XXXX Bank does not allow you to sign up for automatic payments via their website. They have a process in which you must fax in a form to authorize the payments. I have on 4 separate occasions requested the form and faxed it to XXXX never to have had them process the request. The requests were made on or about the following dates- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2019-05-06
Company: ENCORE CAPITAL GROUP INC.
State: TX
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:
Have been receiving letters for a debts they acknowledged was time barred. Ive asked via telephone and in writing for them to longer contact me and remove from my credit reports. Last letter dated XX/XX/19.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
This is a formal complaint against XXXX, XXXX AND TRANSUNION. These companies have repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, these bureaus have completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a XXXX and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2019-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Still the same ongoing issue with Transunion since XX/XX/XXXX with respect to my XXXX XXXX XXXX account, not being reported at all and having an incorrect balance at the then time. 

This shall be my second dispute regarding the matter, hopefully is is resolved at this time. 

It has been confirmed by my loan holder for my XXXX XXXX XXXX this payment information was sent to Transunion on XX/XX/XXXX and it has now been beyond [ 30 ] days and this information has yet to be reflected in my credit score.

Transunion did provide them with an Audit Number which is [ 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 2017-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
called to get pre-approved for a credit card for the capital one XXXX XXXX Rewards card ... and the customer service told me to apply for the secured credit card and after the first billing cycle go ahead and product change the card and if my credit is good they will do it without another hard pull ... not they are telling me i have to wait a year with the secured card before changing ... .. i called the eo and after a ''review '' they can do anything ... so im XXXX with a card with no perks at all ....

Company response to consumer: Closed with explanation