BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-03
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
" I am disputing the debt they are attempting to collect, as it is a result of identity theft. I have filed a report with law enforcement and have a case number. Please cease collection activities and provide me with the necessary information for your records. Thank you Unfortunately I dont have any account numbers but I can see a open balance with Jefferson Capital system for the amount of {$3900.00} from original account XXXX backed a few years ago in which the account was opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: Coinbase, Inc.
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have sent to coinbase pro service XXXX DAI. They have a policy that the deposit will remain pending for 35 block confirmations on the ethereum block chain before you have access to your funds. It has now been 48 hours and 12,000 block confirmations and coinbase still holds my deposit in " pending '' status. I have contacted them no less than 20 times and each time they send me a link to their policy saying I must wait 35 block confirmations. I have yet to get a real response from them other than they will close my account if I do not stop " abusing them ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-25
Company: Mr. Cooper Group Inc.
State: NC
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: Problem with personal statement of dispute

Complaint:
My loan was reaffirmed XX/XX/XXXX2018 and mortgage company is trying to submit my default payments from XXXX for the purpose of getting credit agencies to not reinsert my loan that is open and current. 

The Fair Credit Reporting Act requires creditors to furnish complete and accurate credit information to the credit reporting agencies. If you have reaffirmed a debt and you are making timely payments to your creditor, the creditor has an obligation to accurately report your payment history to the credit bureaus. If they fail to do so, you are potentially entitled to recover statutory damages, as well as any actual damages you may have sustained as a result of diminished credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: SN SERVICING CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In early XXXX I was diagnosed with XXXX and was under medical care for 2 to 3 years ; I fell behind on my mortgage payment. Fast forward to today, thankfully I am better and recovered from my XXXX and am financial stable again. I have sent in at least 3 hardship packages over the past year or two between the two servicer 's XXXX XXXX and SN Servicing Corporation. XXXX XXXX offered me a loan modification, and when I accepted the loan modification my loan servicing company was changed, and it went to SN Servicing Corporation. SNSC did not honor the loan modification that was offered to me by XXXX XXXX, this happened early XXXX. Since XX/XX/XXXX I have sent 3 requests to SNSC and my request has been denied every time for -Investor declined loan modification : we are unable to offer you a modification because : Chapter XXXX Discharge where the debt has not been reaffirmed. I can afford to make my mortgage payment now that my hardship is over and still have my life. I have raised my children in this home since XXXX. I was able to get a loan modification for my rental property, and that loan was in the same Chapter XXXX. It is not clear as to why SNSC can not offer me a loan modification ; however they did offer me a collateral agreement with a {$35000.00} good faith payment to pay in a short 3 days of time. I asked for more time and it was denied by the serving company representative managing my loan. Although I am struggling overall, I am still trying to come up with the $ XXXX and not given enough time I am afraid that my home will be foreclosed on me. Given only 3 days time to come up with $ XXXX is harsh and unrealistic. Besides that, I feel the investor on this loan can extend to a loan modification now that I am financially and healthy stable. Also, I believe there is a violation of dual tracking throughout this whole process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
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: Public record information inaccurate

Complaint:
Hi I'm a senior citizen and a victim of identity theft. XXXX Experian has posted a Bankruptcy on my credit that isn't mines. I need this updated on their report and verified

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 2019-07-25
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2019 I received a letter from First Point Collection saying I owed a debt in the amount of {$590.00}. I responded a week later asking them to validate the debt in form of original bill or detailed statement of procedures. In response they wrote back and said the debt was valid without providing me the documents for validation. XX/XX/XXXX it was added to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a loan with Flagstar Bank for my mortgage. I did make payment on my property taxes and for my flood insurance for XX/XX/XXXX. I paid {$5300.00} for property taxes. Flagstar paid the taxes at the same time as I did. They are now increasing my monthly payments from {$880.00} to {$1700.00} a month. It is an extraordinary jump. Furthermore, I am a single mom, and I frankly can not afford this. I need to be contacted immediately to see how I can rectify this. This is payment, effective as of XX/XX/XXXX. Please contact Flagstar at 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 2019-12-03
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/19, I sent a request for validation on 2 separate medical debts that Credit Control is reporting on my credit. I received a response from them that contained no information to justify the alleged balances they claim that I owe. To my knowledge, all of my medical debts have been satisfied. I do not believe that I owe them a balance at all. I responded in writing to Credit Control on XX/XX/19 advising again that they need to give an explanation as to why I would owe a balance and I advised them again that I do not feel that the information they provided was sufficient. They did not reply with any additional information to support their claim. Additionally, they have never sent me a notification of this debt or provided me with my rights to dispute which is a violation of the FDCPA. I only discovered this when I pulled my credit in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: PNC Bank N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was scammed notive the bank on XXXX XXXX on said situation was told i have to file a police report we contacted the bank on XX/XX/XXXX to be told yes we had to file a police report and to come up to the bank close out the account and reopen another account and that the bank would start a investigation, and that I wouldnt be responsible for paying back the dispute because I was scammed. On XX/XX/XXXX I called the bank to find out how the investigation was going to find out nothing had been investigated. So on XX/XX/XXXX we went up to the local bank to have them start a investigation because my whole work check was used to pay back the bank. I have called the fraud department to be told the account has been put on hold nothing can come in and nothing can go out. To find out that another one of my work check was confiscated to pay back the bank. I dont have issues paying the money back and was told I could make payment arrangements but for a month now they have taking my money. I have had no money for a month I have lost my home because I couldnt pay the rent, I am staying with my mom who is on a fixed income. I went to the bank today to find out that they finished the investigation and that the bank was closing my account and mailing a check to me. I did report right away but all they have done is give me the run around and kept my money. All they said is you have a lot of XXXX XXXX  transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Maximus Education, LLC dba Aidvantage
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Submitted a request with Aidvantage for a refund on payments ( about XXXX was the request ) made during COVID. The original request was made on XX/XX/22 and I still have not seen the refund or the balance that was requested reflect on my loans through Aidvantage

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2022-09-12
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My father passed away. He died with three healthcare aides that needed to be paid, but his Wells Fargo account was frozen before that could be accomplished. 

His account had my brother and I designated as beneficiaries. My brother brought a death certificate to a NY branch and was given his share. I asked the NY banker by telephone if my share could be wired or sent ACH, and he said I had to visit a Branch to get a cashiers check ( Waste of time # 1 ). I went to a branch in XXXX, CO and sat there for over half an hour ( Waste # 2 ), while the banker was on hold trying to remove a hold from the account so my cashiers check could be drafted. In disgust, and to go to a business meeting, I left. He hung up on the XXXX XXXX line, and nothing happened. He then told me I had to be present when he dialed the XXXX XXXX group and wait in his office until they answered because they were going to ask if I were there and if he verified my ID. He verified my ID in the first 30 seconds of that 30 minute wait. 

Firstly, a half hour wait on hold is disgusting, and a clear demonstration of the lack of respect for anyones time. It was a waste of my time and the banker 's. Second, why should one group place a hold on the account, when the death has been verified, just to ask if the beneficiary has been authenticated, and require processing by telephone? Is that really so difficult a question that it should be restricted to a small group that clearly has more demand than supply for time. Why can't the authentication be done and the question answered through the same web site through which they look at the account? All it would take is the banker answering a yes/no question and filling in a document number ( passport, DL, etc ) on a webpage. Third, what is with this policy that I have to be present for the banker to call. These seem like an intentional obstacles to keep me from my money.

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 2023-03-15
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
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:
XXXX XXXX XXXX XX/XX/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 XXXXXXXX XXXX The above companies are reporting false information about me in a negative way on my credit report. I am trying to buy a house and the information on my report is defamation of my character and my livelihood. I have disputed these actions with no results. According to the fair credit reporting act 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.

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 2023-02-27
Company: Experian Information Solutions Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX ( XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$770.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2022 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2023-04-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/23 I updated my phone number and now I am locked out from signing into my bank account online for 14 days, is this legal XXXX, do you have the government regulation right to do this? Several hours with several customer service, changing and changing my password and as no one knew this new policy - My second complaint is I put in my dispute with the bank for a XXXX refund. XXXX picked up everything on XX/XX/23 and today a supervisor in XXXX dispute department stated they have 90 days before even submitting the dispute to XXXX, THIS IS NOT CORRECT OR EVEN LEGAL XXXX, you have 90 days to complete the task period and 5 days later you are still working on what to do. XXXX will only refund the money upon receipt of the dispute and I want it sent immediately {$660.00} dollars I am waiting on and XXXX has the refund confirmation letter, WHAT MORE DO YOU NEED XXXX. This bank has unethical practices and I as soon as all transactions are complete, I am leaving the bank. LOCKING SOMEONE OUT OF THE ONLINE ACCOUNT FOR 14 DAYS IS BS FOR ANY REASON!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XX/XX/2022 XXXX XX/XX/2022

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 2022-09-22
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
XXXX XXXX collections who works for XXXX XXXX as their collection agency told me they would get my credit cleared If I paid off the debt. I did and received a letter on XX/XX/2022 proving my account has been fully resolved. I called XXXX XXXX and they told me to contact XXXX XXXX and they are responsible to get me help to clear the account. XXXX said they don't clear debt abd that XXXX XXXX handles that. So I called XXXX and they do not even know who they are on XX/XX/2022 but they do recognize the debt. 

The sad part of this circular nightmare, it actually shows on my credit report that XXXX is the collections for XXXX XXXX. Seems to me no one knows what is going on and my credit file still shows the debt there after being full resolved. 

See attached document of proof.

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 2022-09-12
Company: CITIBANK, N.A.
State: NE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XXXX FROM XXXX XXXX XXXX XXXX PHONE # XXXX SAYS THAT I HAVE A HUGE BALANCE WITH SEARS FROM 2013 AND THEY ARE SERVING ME PAPERS TODAY AND IF I DON'T GO TO COURT, THEN I WILL GO TO JAIL. HE WANTED TO KNOW WHERE I WORK AND MANY MORE DETAILS. 

I PAID MY SEARS CARD OFF MANY YEARS AGO AND DIDN'T HAVE ANY BALANCE AND DEFINITELY NOT A LARGE ONE CAUSE I NEVER CHARGED MUCH. 

HE KNEW MY NAME, BIRTH DATE, EMAIL ADDRESS, AND PHONE # AND SAID THAT I OWE SEARS A LOT OF MONEY AND HAVE YOU SEEN YOUR CREDIT REPORT LATELY, IT'S HORRIBLE, THEN I KNEW HE WAS LYING, IT'S VERY GOOD, I CHECK MY REPORT WEEKLY. I HUNG UP ON HIM AND BLOCKED THE PHONE # XXXX I CALLED THE POLICE DEPARTMENT AND LET THEM KNOW AND THE OFFICER SAID TO CALL YOUR FAMILY AND FRIENDS BECAUSE THEY MAY TRY TO REACH OUT TO MY FAMILY TO GET MORE INFORMATION ON ME.

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 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
In accordance with fair credit reporting act.This creditor has violated my rights. Under 15 US C 1681 section 602 states that I have the right to privacy. 15 US C 1681 section 604A Section 2 it also state that a consumer reporting agency can not furnish an account without my written instructions. Under 15 US C 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose,

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 2023-03-15
Company: Resurgent Capital Services L.P.
State: SC
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:
Account was opened XXXX XXXX I have no knowledge of this account have filed multiple reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Experian Information Solutions Inc.
State: GA
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:
I am submitting this because the 3 credit reporting agencies did not respond to my dispute letter sent to them on XX/XX/2022. They are reporting misleading inaccuracies on my report. This is keeping me from obtaining credit.

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