BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-15
Company: Coinbase, Inc.
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/XXXX I made a {$100.00} purchase from Coinbase.com They debited my card {$100.00}, then hours later another {$100.00}, which was unauthorized. 

Then last night XX/XX/XXXX another {$100.00} was removed from my card, I did not authorize this transaction. 

The incident on the XXXX caused three missed payments and an NSF fee from my bank of {$140.00}. 

I have canceled my credit card for fear of another unauthorized purchase. 

I contacted coinbase with multiple case numbers XXXX XXXX + XXXX + XXXX, and today for the {$100.00} case number XXXX. I have made 3 phonecalls to their support, but all they do is write up an email and send it to another level of email support, whomhave not contacted me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 opened a dispute on XX/XX/XXXX about child support never was once paid since XXXX I submitted all my payments from the texas attorney genera ; website! the debt they reporting is XXXX but im including all my payments that get deducted out my paychecks and more!

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 2020-08-27
Company: AMERISAVE MORTGAGE CORPORATION
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Amerisave was recommended by me current mortgage company , XXXX XXXX XXXX XXXX, in order to apply for an IRRL ( VA ) mortgage. After speaking to a loan officer ( XXXX XXXX ) and submitting documentation with private information concerning my mortgage and VA information, I was put in contact with a loan processor ( XXXX XXXX ). After one phone call from the loan processor, I was never contacted again. I have tried repeatedly to reach the company via email, phone number ( extensions, and even calling the company directly. Nobody has answered after nearly 25 days.

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 2020-07-03
Company: Selene Holdings LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, we closed the sale of a condo located at in XXXX, AZ. Selene Finance is the servicer of the loan we had on the subject property. We never received a XXXX Form 1098 in order to file taxes. Since we paid off the loan, we were no longer able to log into the account to obtain the 1098 on our own. 

On XX/XX/XXXX, I contacted Selene and requested a copy of the 1098 be sent to me in order to prepare for taxes. I was advised it would take 7 days via email to receive it. I never received it. 

On XX/XX/XXXX, I contacted Selene again to advise I never received the 1098. I was advised it should take 3 business days to receive it by email and it will come encrypted. I never received it. 

On XX/XX/XXXX, I spoke with XXXX at Selene and advised since I did not receive the 1098 by email, please send it by regular mail. He confirmed the mailing address and advised it would be mailed within 3 business days. I never received it. 

On XX/XX/XXXX, I attempted to escalate the matter to a supervisor. I spoke with XXXX in customer service who advised her supervisor, XXXX, would call me by XXXX Eastern. I never received a call. 

I am not sure why it is so difficult to receive a copy of a 1098. But if I do not receive it, I will not be able to file my federal income taxes. This is a big problem. Since no one at Selene, not even a supervisor, seems to be able to assist me with what should be a simple task, I have no choice other than to escalate this to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: Experian Information Solutions 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 was taking a look at my credit and saw several accounts on my credit that I dent know anything about. I need someone to help me with this becasue I dent know what to do now XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and there is another account with no name but the account number XXXX. I also saw where a lot of people ran my credit and Im just seeing this and I did tell them to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I reached out the FTC and Im doing this on my own for really ask for your help.

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 2018-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX was deleted by XXXX, but they have reinserted the collection account on XX/XX/18. By Federal law the FCRA requires a 5 day notice in writing before reinsertion of this debt. The debt was deleted due to ID theft and has been reinserted. I have provided proof that this account was deleted from my credit report and I do not have a contract with this creditor.

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 2021-07-02
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: Investigation took more than 30 days

Complaint:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused XXXX injury and XXXXXXXX XXXX XXXX along with XXXX plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: CREDIT ACCEPTANCE CORPORATION
State: WI
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:
Contacted company about an auto loan showing in my name that is fraudulent. I did not open this auto loan. Auto loan agency stated I needed a police report, my signature on a piece of paper five times, copy of social security card and drivers license. I dont feel comfortable sending a copy of the last three items in that list. I sent them instead my FTC report along with only a copy of my drivers license and a personal bill to compare against on my drivers license address. Credit Acceptance is based out of Michigan according to the website and this loan was opened in XXXX  XXXX they informed me when I live in Wisconsin. These dont add up and should have been a red flag when it tried to be opened. I also had a credit freeze through XXXX and XXXX at the time this was opened and they still opened the account.

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 2020-05-31
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt is an old insurance policy from XXXX  that was charged off and I guess bought by CCS. I paid the debt off in full to XXXX. However CCS is still reporting monthly that the account is an collection.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: EQUIFAX, INC.
State: TN
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:
After reviewing my credit report and understanding that based on 15 USC 1681 any inaccurate information needs to be removed. The credit bureaus are not making sure that they are getting these inaccuracies off my credit report. As a consumer I have a right to have all alleged fraud or unverified items off my credit report but yet the Credit Bureaus is not taking this matter seriously. I have attached a copy of my ID and my FTC report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
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: Information belongs to someone else

Complaint:
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 FM XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX # XXXX GROVES, TX XXXX SINGLE FAMILY XXXX XXXX XXXX GROVES, TX XXXX SINGLE FAMILY XXXX XXXX XXXX GROVES, TX XXXX SINGLE FAMILY XXXX FM XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Year all not mine FIVEPOINT CREDIT UNION XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$14000.00} written off. {$3000.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$3000.00} Date XXXX Dispute MOUNTAIN RUN SOLUTIONS L XXXX potentially negative icon Potentially Negative StatusCollection account. 
Account TypeDebt Buyer Balance {$360.00} Date XXXX Dispute SANTANDER CONSUMER XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$36000.00} written off. {$40000.00} past due as of XX/XX/XXXX. 
Account TypeAuto Loan Balance {$40000.00} Date XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$360.00} past due as of XX/XX/XXXX. 
Account XXXX XXXX XXXX {$360.00} Date XXXX Dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: American Collection Services, Inc. (OK, TX)
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have tried to Validation 22 accounts that are on my credit report from American Collection Services. I have sent 2 Certified letters of Validation Request and 5 fax request of Validation letter. I did dispute all of the accounts with the credit reporting agencies. XXXX, XXXX XXXX and XXXX. They removed the all 22 accounts off XXXX and XXXX XXXX but didn't removed of XXXX. They stated to XXXX that the accounts do belong to me. But I can't get any information regarding any of the 22 accounts from the collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: EQUIFAX, INC.
State: NY
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:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: CL Holdings LLC
State: IN
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:
After reviewing my most recent report, I discovered some items for which I had never applied or received any correspondence. A bill sent without a signature does not suggest that the debt is legal, and anyone can claim ownership of a bill. Be warned that this is an effort to violate FDCPA 1692, which is a federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: California Accounts Service
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Fraudulent account. Opened without my knowledge, consent or authority. Company agreed to delete it from my report due to identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: EQUIFAX, INC.
State: TN
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 submitted a dispute with Equifax on XX/XX/2021 about a negative account reporting on my credit profile. I disputed this account because I had no knowledge of this account and I never received any verification to prove this account was actually mine. XXXX and XXXX deleted this inaccurate account from my credit profile but Equifax did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I WAS CHARGED ON XX/XX/12 FROM A XXXX XXXXXXXX FOR XXXX ON MY CITI MASTER CARD, AND ALSO CHARGED ON XX/XX/12 FROM XXXX XXXX FOR XXXX ON MY CITI MASTER CARD  OLD CARD # XXXX. I HAVE NEVER DONE BUSINESS WITH ANY OF THESE COMPANIES AT ALL AND I NEVER AUTHORIZED ANY OF THESE CHARGES AT ALL. I AM A SENIOR CITIZEN AND I LIVE ON A FIXED INCOME AND THIS IS SENIOR ABUSE PLEASE HELP ME GET MY MONEY BACK.

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 2021-07-02
Company: Resurgent Capital Services L.P.
State: IN
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:
An itemized bill does not imply that the debt is valid anyone can send a bill a claim ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: Fairway Independent Mortgage Corporation
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 did not apply for any mortgage online. I have disputed this with XXXX XXXX and Fairway independent twice and they are not working with me. I have also disputed this with XXXX credit reporting agency and they have refused to take it off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
About XX/XX/XXXX we ( my wife ) received an unsolicited offer through the mail from US Bank for their branded " ReliaCard '' debit card. The attached information included the explanation " The Colorado Department of Labor and Employment ( CDLE ) automatically issues a ReliaCard to every claimant who files for and is approved to receive unemployment benefits. '' We do not live in Colorado, she has never filed for unemployment in any state ever. We are of course concerned that someone is using her identity. However, because it came to our address in Ohio perhaps there is no identity issue. She did not " activate '' the card. Nevertheless, calling USBank numerous times and visiting their website has proven frustrating and fruitless. If this is simply a random offer to random persons to get their debit card into the marketplace, shame on them.

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 2018-03-27
Company: Rocket Mortgage, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We were using Quicken loans to purchase a home, which is a new construction on VACANT land scheduled to be finished in XX/XX/XXXX, On XX/XX/XXXX i was asking about the closing costs because I noticed the property taxes {$2800.00} was on the tax cert. I was told this was an estimate because currently the lot was being assessed based on vacant land. 
On XX/XX/XXXX, I called the XXXX County Assessors office and I spoke with XXXX. I gave her the LOT #. XXXX told me that the only thing due was {$0.00} cents for the year based on the VACANT land. I asked her if XXXX County were going to come to come out and reassess the land now that there will be a home built on it. XXXX told me they will not reassess the lot for two years or XX/XX/XXXX. I emailed Quicken and was told Quicken would have to do their own research. 
On XX/XX/XXXX, I emailed Quicken and asked for an update. 
On XX/XX/XXXX, I received a response from Quicken and they stated they are adjusting the closing costs but keeping the escrow account with an estimate of the property taxes included. I responded and asked if RESPA comes into effect because it limits how much settlement costs can be collected. The Quicken rep called me back and explained they don't want us to have an negative escrow account a few years down the line, so it's their policy to collect property taxes based on an estimate. I told the rep that when I purchased a new build home back in XX/XX/XXXX, I ended up being short on escrow and XXXX had me make a payment to catch it up. The Quicken rep basically said it's their policy. I didn't want to delay the closing, so I just let it be and would instead file a complaint with HUD. 

My complaint is Quicken Loans/Rocket Mortgage is basing our escrow account / monthly payment on an estimate. They concluded {$2800.00} would be due in a few years! so they're over charging each month in the mortgage payment, holding it in their own bank accounts ( probably interest bearing account ). Quicken could have easily over inflated the property tax amount to a point where we would not be able to afford the estimated mortgage payment, which would have made us back out of the deal based on an erroneous monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: The Outsource Group, Inc
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On the date of XX/XX/XXXX I sent a certified letter to the company MediCredit asking them to validate a collections debt that was reported on my credit report. In response, Medicredit responded on XX/XX/XXXX will a detailed bill breakdown showing all procedure XXXX, and medications that was given according to the date of admission. I asked this company to provide proof ( a signature ) a contract validating my signature that shows proof that I allowed my medical information to be released to them and they did not do so. However, in response to the validation letter they violated Hipaa. I did not authorize this company to access my medical records. Ive asked them to remove this reporting from my credit immediately but they did not do so, now I am looking to move forward with a lawsuit from this company violating my rights. Attached please see all supporting documents showing proof of their response including them violating hipaa in doing so.co MediCredit XXXX XXXX XXXXXXXX XXXX XXXXXXXX MO XXXX Phone : XXXX Account Numbers XXXX XXXX XXXX XXXX And any others reporting from this company. 

Kind Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: Stone Higgs & Drexler
State: AR
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was issued a subpoena on XX/XX/XXXX by Stone, Higgs, Drexler in Tennessee for a payday with XXXX XXXX. I was never noticed in writing or via mail for this debt. The debt was last paid XX/XX/XXXX. I called XXXX XXXX, spoke with XXXX and I asked her why I was never notified prior to this and she told me I would have to address all concerns with the law firm. 
I have spoken with the law firm and asked for debt validation and they refuse to send me documents in the mail. The only response that I am getting is that " We have to be careful what we send you because in live in Arkansas '' ( per XXXX XXXX at the law firm ). I asked what about an offer, but I need documents mailed and they refuse to mail any documents. The company is suing me XXXX plus XXXX in law fees for total of XXXX. The amount on my credit report showed that I owed XXXX ( was final amount reported ). I don't know what to do and they are trying to sue me on XX/XX/XXXX in Tennessee for a judgement.

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