BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
In XX/XX/2018, My credit score reported to XXXX XXXX by TransUnion was XXXX. During the month of XXXX, we sold a house which closed a mortgage, HELOC and paid off a vehicle. My credit score took a dive to XXXX in XXXX because we CLOSED 3 accounts. I contacted XXXX to discuss this, and they told me to contact a credit consultant to get my credit rating back up - I DON'T NEED a credit consultant to take out more credit - I need my credit score back to where it was prior to closing out my accounts. The fact that my credit score would fall 37 points because I paid off and closed accounts in which I owed over {$120000.00} is insane. No one will update my credit score.

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 2020-08-20
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/XXXX, I went to a XXXX  XXXX  store applied for the credit card their lender is Wells Fargo and I was denied credit. on XX/XX/XXXX I received the letter with a message stating " Unable to authenticate identity of applicant '' so I contacted Wells Fargo for further explanation regarding this and which information will they require to consider my credit card application, upon discussing the agent states they use " systems '' that if information doesn't match the system they can't move forward with the application to review my report and confirm the accuracy such as addresses, phone number, fraud alert. I immediately pulled a copy of my report on XXXX the only thing in my report is this under the special messages section " INPUT SSN LIKELY NOT ISSUED PRIOR TO XX/XX/XXXX '' this is because I became officially a legal resident of the USA as of XX/XX/XXXX, the problem that I am having with this company is because my wife who is a citizen of the United States share same accounts in our credit report and to my surprise she applied the same day as me and she was approved immediately even though our credit history is similar due to our joint lines of credit, I have excellent credit 0 negatives remarks and no fraud alerts for them to state " they need to confirm my identity '' and that I can't even provide them my information to validate my identity I feel discriminated, I only have one address and that is my current, I looked at phone numbers it only contains my wife 's and my cellphone number I feel this is credit discrimination due to being qualified for the credit card my score is XXXX and no real explanation has been provided to my person. Thank you for your assistance and take my complaint. this is not against XXXX  because my report is accurate this is against WELLS FARGO BANK N.A

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 2018-02-24
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
when attempting to reset my forgot password I opt to get a code sent to my phone via txt msg. after receiving code via text for password reset of online banking login the online site at www.banking.barclaysus.com will not give men the option to enter this code anywhere only have option to send txt msg ( code ) again. will not let me reset password! 
same with email and phone request code opt.

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 2018-09-05
Company: Summit Financial Corp.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been disputing this debt on my credit report because Summit FinanciaXXXX and XXXX XXXX XXXX XXXX, and XXXX XXXX, which I have submitted court documents and pictures, have reported the incorrect information to the Credit Bureaus. Under the FCRA, it states that if any of the consumer 's information in not 100 % accurate, then by law the credit bureaus are under obligation to investigate it and remove that item ( s ) from that consumer credit file. I have disputed this for over 3 years, with no success. I have submitted documentation to the credit bureaus from the creditors stating my position and they still will not remove these items from my credit file. On XX/XX/XXXX, I sent in documentation, then again on XX/XX/XXXX. I have just recently sent more documentation in around XX/XX/XXXX. The only results I am getting is the items are being updated on my credit file. I have received correspondence from the creditors saying that they have no identifiable information in their system on me. I have even called the creditors and was not able to speak anyone and I also left messages, but received no return calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: PNC Bank N.A.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
im trying to link my bank account with another financial app and my bank is telling me that they can not link accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a loan with CAP ONE AUTO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and CAP ONE AUTO with no successful resolution. XXXX, XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
In a recent credit report from Experian, they continue to show a tradeline that has been paid off and closed for over 4 years. The tradeline in question is XXXX XXXX XXXX,   XXXX,, opened XX/XX/XXXX, closed, XX/XX/XXXX, hi credit was {$12000.00}, it shows on report, past due, XXXX, account closed at customers request as agreed. XXXX   XXXX XXXX ASSURES me they have reported to all 3 bureaus that this account has been paid in full and the account was closed at customers request. I would like this item removed permanently from my credit report because as it is shown, it affects my debt to income ratio. Thank you 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 explanation
Consumer complaint received 2018-06-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/2018 XXXX XXXX EDT I received a call on my mobile phone from Portfolio Recovery Associates inquiring about a debt incurred nearly 20 years ago.

The call is a suspected robo-call. On pickup, there was a long pause ( where I said " Hello? '' multiple times ) until an agent connected and began to ask me for verifying information before stating the purpose and company affiliation of the call.

Once I became aware of the nature of the call, I interrupted the agent to say " Not interested, goodbye, '' and hung up the phone. 

My understanding is that a class action lawsuit has already been filed against this company for their robo-call practices ( I was involved in that suit ). I write this complaint to you with suspicion that they are again using these practices to harass people. Please investigate if there are enough reports supporting this claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-24
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian has added a fraud alert to my credit report without my requesting it. This is a violation of FCRA regulations. I do not understand how they feel this helps after the damage is done.

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 2018-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
On or about XX/XX/XXXX I started an investigation of unauthorized inquires on my XXXX and Transunion credit reports. These companies investigated accounts instead. Additionally Transunion DELETED and account I never ask them to investigate. This is a ridiculously gross violation of FCRA. Removing a legitimate account from credit file is illegal and damaging to say the least. Both companies are in violation of the FCRA in that they exceeded the 30 days to investigate my concerns. 
The items are below : XXXX INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXXXXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXXXXXX XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXXXXXX XX/XX/XXXX not mine Transunion INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXXXXXX XX/XX/XXXX unauthorized XXXX   XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized

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 2018-09-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Over draft fees. I was advised they could be waived as a courtesy due to employment situation. I have a financial hardship with {$230.00} of fees on a balance if {$320.00}. Im a long time customer with Wells Fargo and they always say theres nothing they could do

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-05
Company: I.Q. DATA INTERNATIONAL, INC.
State: AZ
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:
I am a Sole Proprietor with a Business Phone number. IQ Data International @ XXXX called to collect a very questionable debt. 

They did not confirm my identity, and started to threaten my employee thinking she was me. 
They told her I owe money to a utility company. 

I have never received a letter by mail, email, or any other means of communication. 

When they started to shout and speak over my employee, I took the phone and asked if they were looking for a cleaner, and stated our hourly rate. He began to shout at me, telling me to calm down. He demanded proof that I don't owe his company the money, which is just a joke! 

Can we please get XXXX XXXX at IQ Data International to stop illegally calling companies in order to collect a fake debt, AND threatening employee 's, whom were never asked any security questions to confirm identity? 

I would like the harrassing Phone calls to stop kindly, as they can reach me by registered mail with any questions, or concerns. 
Thanks and have a gorgeous day!!!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My XXXX XXXX  cards 2 of them are not reporting the correct balances. I owe a lot less than what is being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
MR COOPER HAS MY LOAN. I HAVE BEEN TRYING TO GET AMORTIZATION SCHEDULE FROM THEM UNSUCCESSFULLY FEW TIMES. WHY IS THIS INFO NOT AVAILABLE ON MY ACCOUNT. I WAS ALWAYS ABLE TO VIEW THIS INFO WHEN XXXX XXXX HAD MY LOAN?? HOW CAN THEY GET AWAY WITH THIS. I MAKE EXTRA PAYMENTS TO MY PRINCIPLE BALANCE AND I HAVE TO WAY TO CHECK IF THIS IS BEING CALCULATED CORRECTLY BY THEM SINCE AMORTIZATION SCHEDULE IS NOT AVAIALBLE!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: AMERICAN HONDA FINANCE CORP
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:
I am requesting that XXXX immediately remove Honda Finance from my credit report. Please see the attached report from the Federal Trade Commission, and the letter I have sent to Honda Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance to FCRA Section 609, this accounts was further disputed in XX/XX/XXXX. Ad Astra Recovery did not respond to initial dispute within 30 days as allowed by the FCRA. They have continued to report inaccurate information and this accounts to all 3 credit bureaus. In accordance, they are bound by FCRA to remove alleged debt from that is being reported. It is now XX/XX/XXXX and past 60 days when these accounts were initially disputed. Ad Astra Recovery Service has continued to attempt to collect debt that they know is not valid and not able to be verified. Multiple disputes in regards to this issue have been filed over this. They have blatantly broken the law as they relate to FDCPA and FCRA guidelines. The account needs to be removed. I will also be filing a complaint with the Attorney General as it is within my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: Premier Holdings
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/19 a XXXX XXXX called my job impersonating a law firm, disclosing to the receptionist if she wasn't connected I would be served papers the following day, told me I would lose my house and my job and my wages would be garnished. She told me she was trying to collect bad checks - though I have never had checks. She then proceeded to give me what she thought was accurate information, though the address she had never belonged to me, I don't have a cell phone so I'm not sure whose number she has, and never sent me a copy of the contract I allegedly signed. I told her I have no idea what she was trying to collect, that I have nothing unpaid and wasn't aware of anything unpaid. She then told me I would have to pay it anyway. I asked her why I had never been informed of the debt prior to this threat of a warrant for my arrest and she quickly changed the subject. I asked her how I could resolve this if I had no knowledge of the debt and she couldn't supply me with a contract to review. She responded by telling me that if I wanted to keep my job and stay out of jail I would have to pay it. She was very aggressive and managed to threaten me the entire phone call without providing any shred of accurate information or document for me to review. Furthermore, this debt is past the statute of limitations in my state as well as the creditor 's state.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: ERC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
This complaint is against a company called -- ERC- ( XXXX XXXX XXXX ). We found out today with a mailing from them after 1 ) We disputed this alleged debt of {$970.00} with them in XXXX 2 ) I also disputed this with 4 prior collection agencies since XXXX and will attach all documents to this dispute. 
ERC - XXXX XXXX XXXX is violating multiple times our request to note in reports to the 3 - Credit Bureaus, including XXXX XXXX, that " This consumer disputes this debt. Our XX/XX/XXXX written notice to BOTH - ERC and XXXX XXXX was our 3rd request to remove the report that we are in collections and note our balance at {$0.00} and/ or note " Consumer disputes debt " in our credit report 3 ) Even after we notified BOTH ERC and XXXX XXXX 3 times in the past year, they refuse to report fair and correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Hello my name is XXXX XXXX, On XX/XX/2018 all the funds in my Coinbase account was transferred to an address without my consent the total was XXXX.ethereum with a value of XXXX XXXX dollars usd at the time of transfer and XXXX.litecoin with a value of XXXX XXXX XXXX XXXX dollars usd I contact Coinbase, and with no help my email address XXXX, please contact me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: Creditors Bureau Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A letter dated XX/XX/2020 was sent to me from Creditors Bureau Associates XXXX XXXXCollections division in an attempt to collect debt I owed to XXXX XXXX XXXX XXXX XXXX. This debt results from an XXXX examination that occurred years ago and I never received I bill. While I have paid the debt in full, it is unjust to turn a debt over to a collection agency without first notifying that individual that the debt exists. This hurts my credit rating and justifiably so. I demand that any unfavorable information be scrubbed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
Credit Card company : XXXX XXXX XXXX ACCOUNT # : XXXX DATE OF REPORTING : XX/XX/2020 Reported me deliquent 30 days for XX/XX/2020 due to an ongoing scheduled maintenance which unfortunately resulted in zero access to the account between dates of XX/XX/XXXX - XX/XX/2020. Which was XXXX. Not notified of such scheduled maintenance 2. Unable to access account through online portal or with customer service.

3. Payment was not recorded on XX/XX/2020 of {$1300.00}. 

4. Payment should have reported to credit bureaus on before XX/XX/2020 Please see attached screenshots of the results of the occurences. 

Please as a courtesy I ask the credit bureaus to make the update to the credit agencies to XXXX XXXX XXXXaus : XXXX XXXX  AND TRANSUNION So the dleiquency is removed from the reporting for XX/XX/2020 and shown as " CURRENT '' or " Pays as agrees ''. I have a letter directly from the creditor to have this information ammended directly. 

I appreciate that this be marked as urgent due to repercussions and impact this has had on my 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