BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-19
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried multiple times to dispute the debt, they were notified by me and my credit repair service that the debt was not mine. I explained to the young lady that I hadnt lived in that home in years and I could prove it. Im in the process of buying a home and this is holding me up. They credit repair company had already spent over 30 days in this matter. When I called the first time they asked for my social I provided it and it pulled up an account in some else name and when I advised them of that they put me on hold and blew me off. The conversation is recorded according to them. I needed this off so I agreed to pay a settlement after two weeks of phone calls because they wanted me to pay it without getting something in writing. I REFUSED! I finally spoke to someone who said setup a payment arrangement and they would send a confirmation letter before they take the payment. I set it up for the XXXX of XXXX. The letter was suppose to come by email never did and I had to submit a different email address. The letter showed up after the XX/XX/XXXX and they processed the payment any way it declined. I received the letter on the XXXX paid the settlement on XX/XX/XXXX payment cleared on XX/XX/XXXX however now Im having the same issue with them updating the credit bureaus. Why do I have to wait 39 days for XXXX update my file cause the collection company says the cant. Every time you call its something different. I requested to have a supervisor called me back several times, I have spent to much time trying to get this resolve and Im still trying. My credit repair started working on this back in XXXX XXXX. I also contacted XXXX by going into one of  their payment centers to discuss the issue they told me to deal with the collection company cause they didnt care about my issue

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: State Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
About a month ago I started receiving calls and collection notice from a company called State Collection Service. I was shocked and wrote the company back upon receipt- the notice claim it was for services rendered at XXXX Hospital . 

XXXX hospital is 3 hours away from me and I am a patient of XXXX XXXX. That said, I have no knowledge of the debts and they have the wrong person. I have requested they decease and desist with their collection efforts and the phone calls- however they continue to contact me. 

Client Account Numbers XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX and XXXX   XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2017-11-23
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: Personal information incorrect

Complaint:
These addresses are errors. 

XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, GA 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 2018-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I received a credit card statement from a XXXX credit card under the bank of America for a purchase dated XX/XX/2018. The problem is that I have cancelled this credit card TWO YEARS ago. When I complained to the bank- spoke with XXXX XXXX # XXXX, they also were baffled how this happened but claim that they can put charges through on a closed credit card account??????? 


This sounds like banking fraud!!! if I close an account it is closed and not open forever!!

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 2021-09-10
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I filed a complaint against Equifax who currently has INACCURATE, FALSE, UNDULY, UNLAWFUL and UNFAIR information on my credit report from XXXX XXXX XXXX 


COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 Equifax responded that it will use the same false unlawful information from the same furnisher instead of looking at my bank statements and looking at my credit report, SEEING THAT XXXX FURNISHES UNDULY UNLAWFUL INFORMATION ON MY ACCOUNT, and then properly deleting XXXX from my credit file in accordance with CFRA. 

Equifax has NEVER done what they are OBLIGATED to do and REMOVE XXXX FROM MY CREDIT FILE due to XXXX reporting inaccurate, false, unduly, unlawful, and unfair DAMAGING information on my credit file. 

Instead of looking at ALL the proof I sent and deleting XXXX  unlawful reporting, Equifax tells me it will obtain the same false information from the same furnisher. 

This behavior is ILLEGAL. 

Equifax has REPEATEDLY dismissed my disputes about XXXX SAVINGS BANK stating REPEATEDLY exactly what they just stated in their response HERE. They take WRONG UNLAWFUL INFORMATION from the same furnisher and they keep it on my account VIOLATING MY FCRA RIGHTS. 

The inaccurate, false, unduly, unlawful XXXX reporting must IMMEDIATELY be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
In XXXX and XXXX I submitted a request to delete inquires on my credit report ... .They say shifted the burden back to me to contact the original creditor to verify these inquires which is clearly in violation of 1681 ( a ) ( 4 ). I  want all inquires removed which are not tied to an account on my credit report ASAP. 

Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED inquires listed below are not deleted within 10 days. 

XXXX 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

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: Commonwealth Financial Systems, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Commonwealth Finance has continued to list an old medical bill that I do not even recognize as a new debt collection with all 3 credit bureaus. As I have been working very hard to pay off collections that are legitimate and they have now " re-aged '' the collection and post it again as if it is new. When it was previously listed on my credit report over 7   years ago it was for a different amount. 

The collection lists XXXX XXXX XXXX in the amount of {$1000.00}. I have never heard of XXXX and have not been able to get any more information about the debt. Whatever it is I know it was from 9 years ago originally. 

In addition to this, I have never received a collection letter from Commonwealth Finance listing the right to dispute the debt. 

Most recently they posted it as a new collection on XX/XX/2019. Even if the debt is legitimate it is older than 7 years and should not be listed on my credit report. 

This tacting of " re-aging '' the debt appears to be against FCRA guidelines and is fraudulent. 

It is currently preventing me from renting a new home for my family as it brings my score down over 100 points. 

I have contacted them in the past and they were rude and only interested trying to scare me into paying this bill that should have fallen off my credit two years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
In XXXX and XXXX I submitted a request to delete inquires on my credit report ... .They say shifted the burden back to me to contact the original creditor to verify these inquires which is clearly in violation of 1681 ( a ) ( 4 ). I want all inquires removed which are not tied to an account on my credit report ASAP. 

Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED inquires listed below are not deleted within 10 days. 

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 explanation
Consumer complaint received 2018-01-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
In XX/XX/XXXX and XX/XX/XXXX I submitted a request to delete inquires on my credit report ... .They say shifted the burden back to me to contact the original creditor to verify these inquires which is clearly in violation of 1681 ( a ) ( 4 ). I want all inquires removed which are not tied to an account on my credit report ASAP. 

Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED inquires listed below are not deleted within 10 days. 

XXXX XXXX-Fla. XXXX/XXXX/XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXXFore XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXXe XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: American Financial Resources, Inc.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was approved for a loan modification with three trial payments. The fourth payment would be my 1st payment of modification which began in XXXX. My payment for XXXX I attempted to make XX/XX/XXXX, but my bank did not honor it so it was returned ; no fault of the mortgage company. I made another payment XXXX XXXX/XXXX which was accepted. I then receive a telephone call from representative XXXX on XX/XX/XXXX to advise that because of the bounced payment I would have to reapply for loan modification. I asked her why she said because the condition of the " trial '' is that I do not miss a payment. I then went on to confirm payment was made and honored with my bank and that as of XXXX I am no longer in " trial '' as now this is it. She said that there is nothing that can be done except me submitting my paperwork all over again to Loss Mitigation in order to prevent it from going to the attorney for foreclosure. I complied via fax and email, but then after reviewing my modification paperwork there was nothing in the correspondence to this effect. As my trial payment was over and now my initial payments began in XXXX so therefore, this should no apply to me. She then went to a " lead '' for confirmation and they confirmed that I was in " trial '' and could not miss a payment. I again became confused because my payment was honored and the representative who took payment failed to provide me with any of this information. Also, the XXXX payment portal is not working as it does not reflect the loan modification. I feel like they are doing everything in their powers to foreclose on my home, when I am doing everything necessary to stay in it. I am a single mother working extremely hard to provide for my family. Granted you are not responsible for the life situations that occur, but since then I have pulled myself up gained new employment and doing everything in my power to make sure I resolve this issue to ensure me or my family aren't faced with this dilemma again. This is extremely stressful, I am losing sleep over this and not eating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: Halsted Financial Services, LLC.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted repeatedly on XX/XX/2019 from a company. They asked to confirm my DOB and last XXXX of SSN but I told them that I wasn't aware of there company or debt with them. I asked for the name and address of the company but the representative said that he couldn't give it to me because he had to confirm my info first. I declined and he hung up. I called the number back and I asked the representative that answered for the name and address of this company. She wouldn't give me the address but gave me the name Halstad Financial Services. She told me to look them up on the internet. I am not aware of any debt that I have with this company. I asked them to mail me a validation letter and they said that they couldn't do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I opened an account with Ctiizens Bank with a promotion that promised to post a {$200.00} bonus credit to account within 90 days of an eligible direct deposit that posts to the account. Such an eligible transaction occurred on XX/XX/XXXX. However, the promotional bonus was not posted within 90 days, and instead was posted on XX/XX/XXXX. I was charged " overdraft '' fees three separate times on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I never signed up for overdraft protection with this bank, and my account balance would not have gone below {$0.00} had the bank posted the promotional bonus as per the terms of the promotion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-12
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX The company above made false representation of the factored rate of interest on my loan from the onset of my contract. I have made 12 months of payments on the loan of $ XXXX and never been late or past due etc. Upon receiving a solicitation in XX/XX/XXXX - 11 months into loan, I contacted their XXXX Ga location to get a quote for an additional amount, to realize the loan was misquoted from the onset. However the new amount triggered me to look further into the misrepresented amounts and contact their corporate office. The XXXX employee said the rate factor was XXXX on initial loan and XXXX on new loan amount. Upon firther research the loan amount is, in fact, XXXX. 

I have continued to pay this loan - XXXX payments were being removed from my checking by a company by the name of XXXX and now changed to XXXX XXXX. 

XXXX XXXX XXXX office said that their rates were imbeded into their system and did not show employees the actual factor. 

It is my contention that One Main owners and financial offocers are guilty of violations of the fair debt collection act, guilty of fraudulent information to their customers, and in violation of state and federal laws regarding financial institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: WELLS FARGO & COMPANY
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have an I.R.A. account with Wells Fargo. 
Their address XXXX XXXX  XXXX, XXXX XXXX, South Dakota XXXX Phone # XXXX I wanted to withdraw money from my I.R.A. 
The representative told me they were going to send me a form for me to sign via U.S. Mail That was XXXX XXXX I never received it so I called them today XX/XX/XXXX and got stuck on hold for over a half an hour. 
When the rep picked up I told her I wanted to speak to her supervisor about this matter and why I was on hold for so long. 
The rep gave this nonsense that her supervisor wasn't in. I refuse to accept that excuse which resulted in me getting angry. 
The rep hung up. 
I called again and was put on hold til another rep answered. She did respond by saying the form was mailed out on XX/XX/XXXX. 
I should have received it today which I did not. 
I have made previous calls prior to today and the only answer was " I don't know ''

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: EQUIFAX, 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:
In XXXX of 2019, I disputed a mark on my credit report being listed by XXXX XXXX and the dispute results came back as " verified and accurate ''. Thus, I wrote XXXX XXXX a letter asking for the records used to verify the debt. In fact, I specifically asked for a copy of the original contract and full accounting for the amount claimed to be owed. However, In XXXX 's response letter, I didn't receive neither of the requested documents nor did I receive any other documentation that validates this debt. Furthermore, in XXXX 's response letter, it is stated that I didn't provide sufficient or specific information that explains the basis for my dispute. This is false. Once again, my basis for the dispute is that I have no knowledge of this debt, thus, I do not owe the amount claimed to be owed. I have attached the documents that XXXX XXXX is trying to use to verify this debt. This document does not prove that i owe this debt. Thus, how could the results have come back as " verified and accurate ''??

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-12
Company: Coinbase, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I tried to withdraw a bitcoin from Coinbase, the transaction statue got stuck in pending.  There's no record of the transaction processing.  I've tried to contact Coinbase regarding the issue to get a refund, but have failed to hear anything back from them.  I had a similiar issue two weeks ago that caused me to miss out on a buying opportunity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2020, it has now been months since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.

Company response to consumer: Closed with explanation