BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-19
Company: LDF Holdings, LLC
State: NM
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
On yesterday morning, Monday, XX/XX/XXXX I foolishly responded to an email from this company that suggested they could get find me a small loan. I agreed to let them search for said loan. I ended up changing my mind halfway during the search after confirming the last XXXX digits of my social security number. 

They then proceeded to call me over and over again all that day. I wake up on Tuesday, XX/XX/XXXX and their is {$500.00} in my bank account. I go to the website where they force me to make a password and see that they are now planning to take out over {$300.00} a month from my account from XX/XX/XXXX to XX/XX/XXXX. This is insane! I did sign any documents. New Mexico requires you at least digitally enter your name as confirmation. I need help ASAP. This website will not help me. I just want them to cancel this and take their money back!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
On XX/XX/2020 I attempted to access my bluebird prepaid account, but was given a prompt telling me I no longer had access. Following the prompt that wouldn't allow me to enter my username and password, I called. Once I called the automated system told me my account was permanently closed and hung up. 

I immediately called again to get with a love rep and was transferred to a different department. Once transferred to that department, they refused to explain why they had closed my account. I had just received my unemployment deposit for {$1300.00} on XX/XX/2020 and had money in my account prior to the deposit. They refuse to tell me why and won't tell me how I am going to get my money from them!!! They won't answer any questions and this is during a pandemic..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-05
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: Harvard Collections, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a collection notice by mail dated XX/XX/XXXX from XXXX XXXX XXXX XXXX. This letter stated that I owed a alleged debt of {$6400.00} that was purchased by XXXX XXXX XXXX XXXX. Please see attached documents. I mailed out A Debt Validation letter by certified mail to both XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX on XX/XX/XXXX. USPS confirmed by tracking number that both letters were picked up from Post Office on XX/XX/XXXX. The original creditor for this account is XXXX XXXX XXXX alleged Date of service was XX/XX/XXXX. XXXX XXXX XXXX XXXX was added to my Credit Reports with XXXX, XXXX and XXXX the week of XX/XX/XXXX and company reported three accounts in total for the amount of {$2100.00}. All three accounts reported sum up to {$6400.00} the amount listed as being owed in Collection letter. Credit Reports also state all three accounts were open XX/XX/XXXX and they were last updated a XXXX XXXX. XXXX XXXX XXXX XXXX also reported the listed collections as being charged off in a XX/XX/XXXX. However XXXX XXXX XXXX previously reported all three same accounts with a opening date of XX/XX/XXXX. Accounts could not halve been charged off in XX/XX/XXXX as reported by XXXX XXXX XXXX. XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX have responded to my Debt Validation Letter they both received on XX/XX/XXXX. It sounds as if both Harvard and XXXX XXXX XXXX are Re-Aging all three alleged debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: EQUIFAX, INC.
State: AR
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 have the XXXX XXXX  app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: TrueAccord Corp.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
An unauthorized credit transaction was done with my credit card as defined under XXXX XXXX XXXX XXXX XXXX XXXX XXXX and there was a finance charge involved as defined XXXX ( XXXX ). An alleged debt has been placed on my persons, which is a violation of XXXX XXXX XXXX XXXX XXXX XXXX, because they falsely represent the status of a debt. There is no consent for any of my consumer information to be furnaced to any Bureaus or XXXX parties. Violations of the truth and lending act, FTC, and the FDCPA have caused significant damages as a consumer. The original creditor does not validate this alleged debt. I have firsthand knowledge of violations supported by documentation. Debt XXXX have imminently invaded on consumers legally protected interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: CCS Financial Services, Inc.
State: MA
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've seen no changes for the accounts that I have filed last month, I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
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 a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am attaching the letter I sent out to the credit bureaus on XX/XX/XXXX. As of today, I have not received any responses, and they were supposed to respond within 30 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 non-monetary relief
Consumer complaint received 2020-05-28
Company: CAPITAL ONE FINANCIAL 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:
My identity was stolen and someone tried to use my information to open accounts in my name without my permission these inquires ALL NEED TO BE REMOVED as it is a burden on my life and finances.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Wellsfargo got my international wire money XXXX dollars last octubre XX/XX/2020 and at this time that money is not in my family account in XXXX and is not in my USA account too! I called then several times and they didnt resolved anything! Now Im requesting prove of they give that money to XXXX XXXX that was intermediary between XXXX XXXX and Wells Fargo, and I have 7 days waiting for it! I dont have any documents to ask in XXXX for my money there! Please help me to locate my money and get it 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 2023-08-16
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I reported on XX/XX/2030 XXXX fraud TO US BANK for {$150.00} charged XX/XX/2020 LESS THAN 60 DAYS-US BANK LETTER IS LYING THAT IT WAS REPORTED OVER 60 DAYS. Close account per XXXX XXXX manager request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I am attaching the letter I sent out to the credit bureaus on XX/XX/XXXX. As of today, I have not received any responses, and they were supposed to respond within 30 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 2021-03-28
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XXXX XXXX at approximately XXXX I placed a call to Coinbase Support at XXXX. Coinbase Representative XXXX XXXX, was notified of my 2 factor authentication access issue. Since my account was linked to my cell phone, XXXX called via land line, XXXX, a recorded line for XXXX  XXXX at both XXXX and XXXX to assist with my success issue. XXXX advised me to open an XXXX application, on my cellphone, XXXX. I completed the steps and accepted the remote request. Per XXXX, my account was not set-up properly and I was advised to follow the instructions to rectify my errors on my account by sending my BitCoin funds to XXXX XXXX XXXX # XXXX. After I initiated the send instructions, I noticed there was a charge of {$1.00}. I immediately made XXXX aware that I was concerned and that I was confused on how this would help my 2 factor issue, he advised me not to worry, the new funds would be available in 15-20 minutes. At XXXX, I received an email from Coinbase Support regarding the steps. I immediately initiated my account to be disabled. I attempted to contact Coinbase Support and sent multiple emails and responses to Coinbase Support but the responses to my concern ( s ) were slow. I explained to them, through email, what had happened but in the end they only wanted to verify my identity to enable the account. I was made aware they do not have a live customer support contact. 
I have contacted the XXXX Police Department XXXX I have file a complaint with referral form with Internet Crime Complaint Center. 
I have obtained the copies of the recorded phone logs and calls, a photo of the website, the fraudulent email, copies of the purchases which date back to XX/XX/XXXX, and all communication to Coinbase regarding the event. According to Coinbase they are willing to release any transaction information to the Authorities ( AHJ ). Any Help would be greatly appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-26
Company: Bread Financial Holdings, Inc.
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 is missing that should be on the report

Complaint:
I opened two disputes with experian for commenity bank because accounts that I had paid off the balance for were still showing a high balance. Instead of showing balance XXXX these two accounts were deleted from my report, lowering my score due to increasing my credit usage. I am in the process of trying to finance a house so This is a big problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am appalled by the ability of the Credit Bureaus to ignore a consumers ' request for the removal of unauthorized inquiries completely from my Credit report without providing proof of verification! These inquiries are unauthorized and were made due to identity theft. I have never authorized anyone to inquire something on my behalf and by continuing to report these inquiries without proper verification is a clear violation of a consumer 's rights under the FCRA. I am submitting this complaint to request the removal of these inquiries completely from my credit file : XXXX. XXXX XXXXXXXX XXXX  XX/XX/2021 XXXX. XXXX XXXX XXXX XXXX XX/XX/2021 XXXX. XXXX XXXX XXXX XX/XX/2021 XXXX. XXXX XXXX XX/XX/2021 XXXX. XXXX BANK XXXX XX/XX/2021 XXXX. XXXX XXXX XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX XXXX XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX  XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX XXXX XX/XX/2021 XXXX. XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-07-09
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was logged into my XXXX XXXX account and saw a pre-approval offer for a credit card. I filled in my Name and Address ONLY and clicked to the next screen, I was not notified at all that I was filling out a credit card application. There was no warning or no disclosure. Now I have a hard inquiry on my credit report that I would not otherwise have ever asked for. This was very misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
( Hard inquiries that need to be removed, with dates. All from TransUnion credit report ) TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-10-27
Company: EQUIFAX, INC.
State: NC
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:
The settlement payment of {$210.00} was paid but XXXX  XXXX is still reporting that is a balance. The payment was made on XXXX XXXX then XXXX XXXX reports on the 9th i made a payment and still had a balance when they agreed with a settlement payment of {$210.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
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 submitted a complaint on this website in XXXX. I received correspondence with how I would like for this to be resolved. I received my points back but the late payment still applies on my report. This is the complaint. Credit acceptance stated that on XX/XX/XXXX. XXXX that did a auto pay for my car loan and the bank rejected it. I provided documentation that money was in my account and that the bank never rejected any money nor was a freeze on my card. The bank rep stated that CA most likely made an error because they would not have rejected my payment. Ive had this loan since XXXX and have not been late. This company has no compassionate even during a pandemic. I owe almost XXXX on this car loan. I need for them to to take responsibility to their error. I thought it was paid because all of my auto pays automatically are paid with no issue. CA notified me at the end of XXXX to tell me that payment was not received. I immediately paid worth the same card. I need for this late payment to be removed. Im trying to avoid lawyer and court fees but thats the next step.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: M&T BANK CORPORATION
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My original mortgage was with XXXX XXXX, loan number XXXX but was sold to MT & T bank in XX/XX/XXXX. While with XXXX XXXX I did two loan modifications one in XXXX for {$3600.00} and the other in XXXX for {$2000.00}. 
I was speaking with a mortgage servicer at Mt & T bank who told me my current pay off is {$80000.00} but because I took two loan modifications was done with XXXX XXXX XX/XX/XXXX that a total of {$30000.00} has been placed on the back end of my mortgage which means if I was paying off my house today I would have to pay the outstanding principal balance and the back end amount. 
I did not agree to this and believe the amount placed on the back end of my mortgage is incorrect. I have already paid 10 years of payments made on my home. 
Can you please investigate? I never agreed to such and amount.

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 2022-04-04
Company: Capio Partners, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
A Collection Account was reported by Capio Partners without any notification of attempt to collect a debt. I have Medical Insurance & payment is done via copayment. So this is not fair at all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-20
Company: ENCORE CAPITAL GROUP INC.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
They called me concerning someone I know account. I ask them not to call me any more and they keep calling. I don t owe this collection company. I am Ill and do not want them calling me again. It's not my account. I am not the owner of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Four years ago I went to Bank of America to give them a power of attorney for my mother who was in a XXXX XXXX with XXXX. I already had an " in trust '' account for her where she received her Social Security check. The Bank of America Relationship Manager said I had to close the XXXX account and open a new POA account for her when I already had an XXXX account. I also had to change where Social Security sent her check due to the change. Now my mother has passed away, the POA is no longer valid and Bank of America is requiring that I go through probate. I believe they wanted me to open a new account to increase their productivity numbers, as that was the practice at the time, as was investigated and Bank of America was sued for later on. I've been informed that XXXX account was an account that I had capabilities I needed for my mother who had XXXX. When they switched me to a POA account and upon her passing, I have lost the ability to close her account. Bank of America has now frozen her account. I was mislead to close the XXXX account and to open a POA account. The Bank of America Relationship Managers and the Estate Unit Managers are demanding I go through Probate when I would not have had to if I had not been mislead. In XXXX XXXX Florida you must have an attorney to process a " Petition for Summary of Administration ''. Attorney fees start at {$1500.00} and the filing fee is {$340.00}. That is a total of {$1800.00} at minimum. The amount in my mother 's account is {$1200.00}. Bank of America is forcing me to leave the money in the account instead of allowing me to close it. I truly believe they mislead me into opening another account for her social security benefits when we didn't need to open another account. Now the POA has expired upon her death. The XXXX account was opened at another branch prior, the branch manager, forced me to close it and open another account. Now I can not access her account because they froze it. It makes no sense to go through probate and pay {$1800.00} when I'm trying to retrieve {$1200.00} and close the account. I have been a Bank of America client since 1998 and a XXXX client for years. I am seriously considering taking money elsewhere if this is not resolved in my favor. A Bank of America employee created this problem, he has now been terminated, therefore I hold Bank of America liable. I have done my due diligence and I hold Bank of America liable.

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