BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-12
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was served with a notice to revive a debt from XX/XX/XXXX, which I included in my XX/XX/XXXX chapter XXXX bankruptcy. 

They filed case # XXXX XXXX COUNTY IL Atty for LVNV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-19
Company: EQUIFAX, 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:
In XXXX I was denied employment due to credit. The job was financial related and required a good credit report. Two weeks later I was denied housing because the company stated my credit report showed debt to another housing provider. I pulled my Equifax credit report and discovered an inordinate amount of errors. There were over 50 errors total on my report. I sent them a letter immediately explaining and showing in detail why each item was an error and asked them to investigate and resolve. In XXXX they sent me back a letter saying that they had completed an investigation and verified all information. It was a very blanket letter not outlining how they conducted any investigation. I then sent them a response showing that these were in fact errors and should be either updated or deleted ( based upon each individual line item 's situation ). The response I received was almost an identical letter to the first one they sent. It did not address any of the my concerns at all. Overall I have repeatedly contacted this company in hopes that they would resolve these errors and they have not. Ive sent letters in XXXX, XXXX, and XXXX immediately upon receiving their repossess and have receipts of certified my mail being received by them each time. To date I am still unable to secure housing or a suitable job because of these errors. I. work in finance and can not afford to have such errors on my report. In addition to all of the negative errors I also discovered thatchy are not reporting at all on many of my positive credit lines. I have contacted my credit card companies to confirm that they report to the bureaus nd each confirmed that indeed they do report. Therefore there is no sufficient reason why my positive credit lines are not reported and thus why all of these erroneous negative items are reported. I am in a world of trouble because of this negligence and they just keep sending back the same letter saying they verified the items. There is no way to verify something that never happened. When I asked for proof of these items belonging to me in the form of anything I authorized or signed or even recordings where I gave approval I received nothing repeatedly. Please help me. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
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, XXXX and XXXX are reporting an incorrect coding of the XXXX XXXX XXXX - account number XXXX. This account is being coded as an XXXX when actually this needs to be coded as an XXXX. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
New York state had one orginal file of my mom 's first husband of XXXX XXXX XXXX who is XXXX over 700 listings and retailers wrecked on his documents attached to my documents in New York state. 

Federal not interested anymore in New York state, and won't marry into New York state New York state also frauded my family 's documents of XXXX and XXXX and XXXX and frauded using XXXX frauding my birth certificate long form of Indiana State They also let family 's bother me documents as XXXX XXXX menus and products. Federal not interested. 

Washington, Maine and Massachusetts and Rhode island and Pennsylvania and new Jersey and Delaware also frauded my documents and families documents when only XXXX XXXX XXXX was from Pennsylvania state and XXXX XXXX XXXX XXXX was from Pennsylvania state. 

Others frauded using XXXX and XXXX and XXXX and XXXX and with business permits and XXXX XXXX in all of those counties Washington State and Massachusetts and Rhode island and Pennsylvania and New York state fraud my documents.. my birth certificate of XXXX XXXX Indiana XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Indiana XXXX XX/XX/1972 isn't from those state. 

Maryland also pulled frauding scams using my documents and Nebraska and Mississippi and Kentucky and Montana and Ohio and IA state really bad. 

Others frauded my documents using food products and receipts and tv shows. 

XXXX and Florida State and Nevada state pulled none stop frauding scams using my credit files as tv shows scripts and radio till you had to turn off the tv. 

Others pulled frauding scams using cops tv shows media scripts frauding my documents..

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 2019-01-19
Company: Experian Information Solutions Inc.
State: ID
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 believe I complained about XXXX, XXXX & Experian but now there is more. Short overview. I sold a house XX/XX/2018. XXXX XXXX reported it to all the credit bureaus which they deny & arent even trying to correct this & help me. Their credit reports they made about me has proof that I no longer make payments. But instead of them seeing I no longer make the automatic payments anymore they are saying I am now 3 payments delinquent on this account I no longer have. They are ruining me. All they do is lie to me & say they cant help me. I have a letter from XXXX XXXX showing a ze

ro balance. I saw a document on one of the bureaus that stated I have a zero balance with them but yet that same bureau shows I owe XXXX XXXX  over {$58000.00}.

I will enclose my letter from Idaho Housing that states I owe 0.

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 2019-03-19
Company: EQUIFAX, 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: Account information incorrect

Complaint:
In XX/XX/XXXX, I applied for a home loan. When the lender pulled my credit, XXXX had placed statements on my account stating that it was in deferment due to a natural disaster. This stopped my loan from processing. When I called them, they stated that FEMA had given them this information and they took it upon themselves to place that on my report. I did not ask for that at the time. XXXX told me it would be taken off XX/XX/XXXX and would show on my Credit reports XX/XX/XXXX. When the lender pulled my credit report again, nothing had changed. I called XXXX again and they continued to argue with me and said that I was still in the deferment and they would not remove it. I had to argue with them for several weeks and into XX/XX/XXXX. They would not remove it until I threatened to get an attorney. Then all of a sudden they agreed that it should have been taken off. I finally got it taken off but had to be subjected to the stress of arguing with them. Some of these comments are still on my credit reports. It also states that my last payment was XXXX XXXX. I have made payments since that time. This is not the first time that I have had to deal with this issue with XXXX reporting bogus information to my credit report. Then it takes forever to get it removed. Equifax is the worst about removing comments, etc. even when you prove it is wrong. They do not appear to investigate anything unless you threaten to sue them. It is just the first time I knew that I could file a complaint. They consistently put me on different payment plans than what I apply for. When I asked them about a forgiveness, they actually laughed at me. Then laughed while telling me that I could not even file bankruptcy and get out of it because it was a Federal Loan and I was stuck paying for this and they didn't care how old I was. ( I am XXXX years old now ) Prior to this my billing and fees were consistently wrong and XXXX XXXX and XXXX refused to justify any of the charges as well as the schools charges when I saw that I was being charged bogus fees or being charged double fees by the school and the Student Loan Servicer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-26
Company: Experian Information Solutions Inc.
State: CO
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 XXXX is reporting my loan late in XXXX, 2021. As XXXX XXXX clearly states in a response to my complaint to the XXXX I was not late in any payment XX/XX/2021. These lates that are reported to all three credit agencies and reported differently must be corrected to on time status for XX/XX/2021.

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 2018-02-13
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Coinbase locked me out of my account. 

They withdrew XXXX Bitcoin Cash and {$170.00} usd from my coin base account without authorization. 

In there defense I owe them XXXX, because a transaction didnt go through. I just need to access my account transfer my coin to fiat to pay them off. 

Problem I have is that I paid XXXX for my coin of bitcoin cash and they exchanged it for me at XXXX. Im up on all my other coin, this is not what I would exchange. If they just contacted me telling me I needed to pay them by XXXX everything would of been converted and theyd have there money. They didnt contact me and just locked me out. 

Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: NAVY FEDERAL CREDIT UNION
State: PA
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:
I have a closed credit card account with Navy Federal Credit union. The card did go into default, but several months ago the parties came to an agreement regarding repayment. The account has been paid on time in accordance with said agreement -- payments in the amount of XXXX per month for an agreed upon period of time. The bank continues to report this account in default and in collections when it otherwise should not be, and which is contrary to the terms of our agreement. Moreover, by not updating the amounts received and a reduction for the purported balance owed, the information being reported is inaccurate. 

Also, I have requested now on numerous occasions to be sent a copy of the agreement that was reached prior to the first {$150.00} that was paid. It has now been three payments later ( 3 months later ) and I have yet to receive a copy of our agreement. I have now made several calls attempting to address this issue with the bank and they refuse to provide the agreement. This information I am told is well documented in the notes on the account as a reference for your investigation. 

In addition, I have notified XXXX, along with the other major credit bureaus of this issue and they have not been able to resolve this problem. 

I am requesting that the company remove this account from collections and notify the three major credit bureaus of this change to the status of the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been getting phone calls from Portfolio Recovery since XX/XX/2018. They always call from a different state area code such as XXXX  for New York and XXXX in California. Every time I block a number, they call back within hours from a new area code and number. I have never received a letter or bill but it's on my credit so I have no way to dispute this. Plus it shows that they have re-aged the debt on my credit. I have seen the time started roll backwards by a year

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-19
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
For the past 4 years, Wells Fargo has been holding deposits longer then reported and not reporting their transactions through their online banking the way that they are processing them through their server. This has caused my account to go into the negative which then caused several overage fees. 

In XXXX of XXXX, my account was compromised and I was told that they could not prove that the disputed charges were not mine. That was all of the response I was given. 

Also, in XXXX of XXXX, my then XXXX year old daughter opened a checking account that was linked to mine. In XXXX, the month that she turned XXXX, she was then informed that she " Had to open a second account '' as well because now she was an adult and could not have an account shared with me. She did not know any better and agreed to having two accounts because she was young and did not know any better. They pressured her and she continued to have that account for four more years, paying fees and getting random charges. Then one day, the bank closed the account. No notice, No warning. Just closed it. Causing automatic withdrawals to be returned and her to get charged fees. This was roughly the same time that Wells Fargo was caught opening fraudulent accounts. This leads me to believe that they were trying to hide the fact that they created this account in the first place. 

I have called and fought countless times. When you ask the customer service representative to many questions, they repeatedly tell you that they are sorry your frustrated but never really give you a clear answer. When you ask that they elevate your call, the average wait time is 30 minutes. I am moving my banking but believe that this is an ongoing practice to increase fees for the bank. 

It is a predatory practice and one that needs to be recognized for what it is.

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 2019-11-19
Company: Ascendium Education Group
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Borrowed $ XXXX in approx XXXX for son. Repayment was for {$50.00} /monthly. But, honestly, we initially were inconsistent in payments, eventually we went into default, paid up more in XXXX to get out, and been paying monthly since, but when I lost my job in XXXX when the school closed, we had to let payments slide again. Now, I make half the amount I did. I work for an eligible, community based XXXX XXXX XXXX in an economically depressed area, XXXX Virginia. But I have been making consistent monthly payments of {$50.00} for years. I would like to be considered for a loan forgiveness program due to the huge loss of income after the loss of my job. 
I believe I've been improperly persuaded to apply for a forbearance, I've been harassed on the phone sometimes 5-6 calls daily, for a few years, they are now threatening to place me in default again and damage my credit rating. The $ XXXX loan has ballooned to almost $ XXXX! Apparently this due to unknown additions for penalties, forbearance, a default, and each time sold to another lending service : XXXX XXXX to XXXX, to?? to XXXX and now to Ascendium. The loan has been growing by leaps and bounds! It is ridiculous! These are totally unfair practices adding up unnecessary additions and yet I receive no credit for paying them for years. I am seeking legal counsel, but am hopeful you can help guide me, assist with locating legal representative, or suggest options. Thank you very much

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I opened a prepaid accou t with chase on or around theXX/XX/2018. And deposited approx {$1000.00} of my pay check. I made two transactions and the account was frozen by the bank almost immediately after I responded to a fraud warning when I was trying to use it that same evening. Since that moment Chase employees have lied to me at every turn. Clearley not mistakes willful and spite filled lies about the amount location and projected payment date of the few hundered dollar balance. Today alone the status of the account I was told on Monday would be closed Wednsday was said to closed then I was told open and suspemded before they settled on it being closed and the check procceced as reason that I could not come to a branch and simply withdraw the funds. I have been told the entire time this was not possable but today apperently it is. I don't trust banks clearly and know full well they serve no legitimate function but still feel their unique status and the public allowances granted them to circumvent trust laws and sound bussiness practices complells them to some degree of honestly. Or at least have some law that prevents attempts to insight violence with hired thug security or telling abject lies to the faces of their customers. How long must I wait before I can charge late fees and interest compounded as they do us? Or is this a totally one sided government forces exploitation bank XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
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:
I recently filed a report with XXXX, XXXX  and Equifax of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS REMOVED THE INACCURCIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of the debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipts otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by The Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: WESTERN UNION COMPANY, THE
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
I was using the Western Union mobile application to perform a money transfer from my US account to my personal account in the XXXX. 

This is not the first time that I am using the mobile application. I am fully aware of all the fees that are associated with sending money. 

For my last transaction, I was charged with a transfer fee that I am NOT expecting. The regular transaction fee for a money transfer using a DEBIT account is {$2.00}. I know that I chose the right option of using a DEBIT card however, I was surprised that they charged me {$37.00} instead. This transfer fee is for a CREDIT card transaction. I have been using the same DEBIT card with this transaction and all the other past transactions that I did in the past. 

I tried reaching to their customer support and was able to communicate with 2 agents - the first agent and a direct supervisor. Both of them have the lines that it was me who are choosing the options on the app. On their system, they see it as a credit card transaction. They are right, I am the one choosing and I am 999 % sure that I chose the DEBIT card option. They are implying that it is my fault. If it was an honest mistake, then I would not bother doing all these types of complains to win my case. I know that I did the right options. The customer support gave me a dead end and did not offer any resolution. They don't want to say it directly but they are implying that it is my fault. I am only complaining about their transfer fee which is solely on their end. I am not even complaining about the actual money that was moved. I am disputing an amount that is on them but they are not doing or offering anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: MRS BPO, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello MRS associates collection appeared today on my credit report I called them and explained that I do not owe this debt nor have I ever had any business with spectrum. And to remove such collection from my records immediately. 

I'm a new legal resident to the united states and have never heard of either of those names nor have I had any utilities on my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief