BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I opened a student loan in XXXX 2010 for about {$2600.00} and I have never received a bill and now they are stating I have been failing to pay and they are saying that I am 180 days late for 5 months in a row and 150 days late 120 and 90 days late this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$2600.00} go to {$50000.00}????

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 2021-07-15
Company: AMERISAVE MORTGAGE CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Started trying to refinance my home for a better rate XXXX of last year with AmeriSave Mortgage The home is appraised for enough for the load amount, my credit is over 700, never late on the current mortgage in the last ten years. Assets are there and have been proven to pay the monthly payments. 

Have had to do two appraisals because they keep asking for more of the same documents each month and not close the loan. 

For eleven months I have sent hundredths of documents that they have asked for. Every month they ask for the same documents, then send me another closing document to sign. But never close. 

Then ask for more documents over and over again for eleven months. 

Have never denied me the loan just keep asking for more documents. 

I have complain to there customer service department with no solution. 

No reason this should take eleven months and still tell me going to close just need more documents. 

I am a single parent and small business owner and I fill like they are not treating me fairly.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a death in the family and did not realized my funds were not available for my monthly platinum card payment due to my client 's late payments. I did not receive any phone calls from AMEX, but rather once my platinum card stopped working, I called in and found out and tried to rectify the matter. However, the person I spoke with said I had to wait for three attempts to take funds out of that account before a payment could be made. I told them the funds would not be available and I wanted to cancel the payments being taken from that account and they said that was not possible. They told me I had to have the bank do a stop payment. I tried to call AMEX again, but it was too late, the second round of requests went through. This time, the account that was used was another account saved to the profile, which was no longer a valid account. So I told them, again, this was not going to have funds. They said we had to wait another three times before I could make a payment. I went online and reprogrammed the correct account, which for some reason had deleted from the system. Th the third round started, and again, it defaulted to the incorrect account. What a nightmare that the computer going awry could not be stopped! Then I found out they closed both of my accounts, including one that had never had a missed payment - I have had a perfect payment history for over 15 years. Every time I have called over the past 4 months they try to get me to a supervisor, most of whom are unavailable and when I give my number to get a call back, I more-often-than-not do not receive a call. When an employee in one of many departments does try to do anything they also say they will call me back and do not. None of the departments have any regard to my loyalty as a long term customer nor to any personal loss I have had. They throw their hands up and say they can't do anything about how the computer is set up and can not override it and they throw up their hands and name off other departments that might be able to assist me, none of which seem to be able to assist ... or they say I can re-apply. I have been getting the run-around, a big whirlwind of no one seemingly doing anything. They also each read off the same script over and over and continue to not treat me like a human being, but more like a robot. Every phone call I make is a two hour process where I am also being told things like, " you do not need to call us, we will call you, '' yet I do not receive that returned call. I have only been trying to be proactive and give AMEX money, but they are not trying to be of any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: MiraMed Revenue Group LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is re-reporting a collection that I disputed in XX/XX/2018. The collection in question was subsequently deleted after the collection agency failed to properly validate the debt in question ... now they have reported it again to the credit bureau and have still not validated the debt per the Fair Debt Collections Practices Act, 15 USC 1692g Sec 809 ( b ) ... Furthermore they are in direct violation of the Federal Hippa Laws ... A breach of protected health information ( PHI ) is defined as the acquisition, access, use, or disclosure of unsecured PHI, in a manner not permitted by HIPAA, which poses a significant risk of financial, reputational, or other harm to the affected individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Today I called on this letter I received in the mail today from Diversified Consultants , INC . So I ask the employee she never told me her name if I could have the fax number for this company so I can send them document. She informed me that they dont have a fax number. I than said okay via email she said no. I said okay how can I send a prodocall XXXX ways to notify company of this document? I'm needing to fax or via email and regular mail. This is against our right as consumer 's. She again told me to send to this address Diversified Consultants, INC. XXXX. XXXX XXXX XXXX, FL XXXX. Phone number XXXX. Needing them to release the following information to me stop dragging thing out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 and Transunion should not be reporting a balance of {$390000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was sold to XXXXXXXX XXXX XXXXXXXX XXXX XXXX needs to report a {$0.00} balance. This duplicate reporting of a balance due is seriously harming my credit score and this line item needs to be updated. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus, as well as XXXX to fix this however, I have not been successful.

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 2018-02-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I called USAA and spoke with a card services expert. I have a credit card with them that started off as a promotional 0 % period and then went to regular floating interest. I have balances that are at 0 % and 12 %. The women on the phone read from a script that described their payment hierarchy, and she stated that payments are applied to the lower interest balances first and then applied to the higher interest balance. Her solution for me was to pay off the $ XXXX in 0 % balance first and then I could pay off the $ XXXX in 12 % balance. It is my understanding that this is in direct violation of the Credit Card Act of 2009. I have made several payments larger than the $ XXXX balance, and could not understand why I was still being charged interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: Synovus Bank
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
In XX/XX/XXXX, agents from XXXX XXXX XXXX presented me with various life insurance policy proposals as a life insurance retirement tool which was to be premium financed for high net worth individuals. XXXX XXXX XXXX XXXX XXXX ( XXXX ) was to be used to hold my life insurance policy for the benefit of my family and estate tax savings. After several insurance companies refused me, XXXX finally presented me with XXXX XXXX as their financing partner. We began dealing with XXXX in XXXX XXXX a product from XXXX XXXX XXXX. The plan called for {$5.00} XXXX  life policy tied to stock market ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The loan for {$2.00} XXXX was approved for my newly formed LLC although my financial status was tenuous at best ( credit was subprime and my condo was in foreclosure ). I was promised that there was no risk to the financial institution XXXX XXXX as total cash value would always equal or exceed the loan balance at each and every point in time. I was also promised I would not have to sign a personal guarantee. After about two years-XXXX XXXX, the interest payments ballooned and I could no longer afford them so I requested that the face value be reduced. 
No one listened or assisted me. My loan went into a " default '' status and I was charged a {$75000.00} prepayment fee and the company XXXX XXXX, a division of Synovus Bank pursued me in XXXX District Court until I had no recourse but to file Bankruptcy. Unbeknowst to me at the time, the insurance agents at XXXX XXXX XXXX and the principals at XXXX XXXX were working together and sharing insurance commissions. XXXX XXXX pursued me into bankruptcy even though they surrended the policy ( collateral ) and received back every XXXX of the {$1.00} XXXX in premiums it had sent to XXXX XXXX XXXX and even though they promised me otherwise. I believe there are many others in this fraudulent and predatory lending scheme.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: The Bureaus, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: USCB, Inc.
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hi, My daughter 's insurance is managed by her dad. All the medical bills associated with her XXXX or care through the XXXX  XXXX  XXXX  should be in his name, and as well as all the other medical bills when I was out f work. This a problem. I called to have the bills transferred into his name but that has not happened. 

I also filled out a financial application which they have lost through XXXX and the University  XXXX XXXX. This is also includes bills for the anesthesiologist. There are also bills that have been sent to collection agency companies without going through the insurance claim process. The two companies are XXXX XXXX, XXXX XXXX, and XXXX- XXXX. 

The other problem is that the insurance company which is XXXX can not speak with me about the bills because my daughter 's coverage is in her dad 's name. XXXX met her threshold for her deductible in XXXX of 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/2018 I paid off my car loan. On XX/XX/XXXX, I created an account with XXXX XXXX to verify that it was showing paid in full. At that time I discovered that I had 3 accounts that I was unaware of on my credit report. Those accounts were : Discover Card XXXX account # XXXX, XXXX XXXX # XXXX and XXXX # XXXX. At that time I contacted an Attorney via my XXXX XXXX to discuss the matter. 

He instructed me to report this to the Federal Trade Commission which is Federal Law Enforcement, to request my credit reports via the credit bureaus and to file a complaint with the CFPB. I made the Identity theft report via FTC and the report # is XXXX. In addition, I received my XXXX   report in the mail yesterday. 

I am very confused as my credit report is showing that the above mentioned accounts were opened over a Year ago and in 2 of the cases it appears that payments were made at some  point. I have never applied for a Discover Card, or XXXX XXXX nor given anyone permission to apply for one on my behalf. I was an authorized user previously. I have never applied for a loan with XXXX. I have not had a need for a loan in that I make a very comfortable salary and have limited debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My Coinbase account had an attempted unauthorized password change last week, no big deal, I haven't used the service in years so I simply locked the account. 

Between yesterday and today, a total of {$4000.00} was taken from my bank account from coinbase. Coinbase has no customer service support to get help with, I got in contact with my bank and locked my savings to protect myself from additional charges. I can not even access my coinbase account because the password was changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
On XX/XX/2021 I received correspondence from XXXXXXXX XXXX XXXX stating that " [ they ] were unable to locate an account in [ their ] system under [ my ] name. '' This account is not mine and I have not knowledge of it, yet it is still reporting to my credit report.

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 2022-08-12
Company: EQUIFAX, INC.
State: AZ
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 have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Equifax deleted 4 fraudulent XXXX XXXX inquiries from my credit report but they left 5 fraudulent inquiries on my credit report.

No consumer in their right mind applies for credit from the same company this many times. It does not make sense a blind man can see that these inquiries were not done by me. 

XXXX XXXX told the CFPB that some are fraudulent. 

Equifax has been stating that these inquiries were verified for months. 

I asked XXXX  XXXX and Equifax for the paper, electronic and audible proof that I initiated these inquires and they both have failed to provide me the documents that they are using to authenticate these inquiries. 

How did the pick and choose which inquiries to keep and which ones to remove?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/2018, amount {$120.00} for a collection that keeps appearing on my credit report with EQUIFAX that I do not owe such a debt. Thus after filing a police report of fraud and do not have any public record to verify that I owe a debt. It still appears on my file with the Consumer Statement of : "  This account is not mine and can not be verified because you have no legal court order or judgment stating that I am responsible for this account which is fraudulent in nature, Just because a collection agency states that it belongs to me does not make it valid without proof of verification under the fair debt collection act. '' This information had only appear once I close on Escrow XX/XX/2018. Did not have any negative information on my credit report when I purchased my home as a Veteran. After many attempts to try to contact EQUIFAX and state that the information in wrong and also provided a police report, they still insist that I do indeed owe this money to the Company Known as XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS IN MY NAME WITHOUT MY CONSENT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: EQUIFAX, INC.
State: FL
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:
XX/XX/XXXX I applied for a refinance, I was told that XXXX XXXX XXXX had on my credit report that I have not been paying my Home Equity Line of credit. I have receipts as I go into the branch and pay. The Branch did not know why the mortgage department said I owe when there records say I am up to date ( I have the record the branch gave me ). I called the equity department on XX/XX/XXXX, they said the branch can't see what I really owe and that I was short on my payment for the last few months. I paid what I was told and was also told that within 10 days my Credit report would reflect that I don't owe XXXX XXXX XXXX anything. Just found out that XXXX XXXX XXXX has on my credit report that I owe {$49.00}. I asked where did that come from and was told XX/XX/XXXX. I am now told that they will not fix my credit until next month. They keep lying and lying and charging me every time I call. The Branch can't help, they don't know what to do either. I feel as I am being held ransom by XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: Amsher Collection Services, 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:
An account on my report does not belong to me and I disputed it but was unfairly resolved against me AMSHER COLLECTION SERVICES AC # XXXXxx REPORT NUMBER XXXX  XXXX-XXXX-XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation