BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-19
Company: ENCORE CAPITAL GROUP INC.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In XX/XX/XXXX, I opened a credit card with XXXX XXXX. I believe made payments until it was paid off and never received a statement to the contrary. I have been receiving calls from a company on their behalf using numerous phone numbers and told the first two or three callers ( approximately XX/XX/XXXX ) that I did n't owe them any more money and asked for written documentation of the debt. I asked them to stop calling. Instead, they continued to call numerous times a day, frequently from two or three numbers in succession. On Wednesday, XX/XX/XXXX, a person named XXXX called my husband on his cell ( he is not on my account and I did not give his number ) and told him I owed them over {$800.00}, that I opened my account in XX/XX/XXXX and stopped paying them in XX/XX/XXXX.  She called from XXXX and gave XXXX ext XXXX as a callback. She told my husband she would be getting an attorney to sue me if I did n't respond to her within ( he does n't remember if it was 24 hours or that day. ) Just prior to that, I also received a call. I was at work and could not answer. 

Tonight, I received calls at XXXX, XXXX, XXXX and XXXX and my son, who is XXXX, received two calls on his cell phone ( I was siting next to him ) at XXXX and XXXX during which he said it was not my phone number. It was the same person twice. 

I am appalled that this firm working on behalf of XXXX XXXX would share my personal information with someone they do not know and who is most definitely not on my account. 

Can you help me stop this harassment and get an accounting of what I supposedly owe? It was originally a {$500.00} line of credit and I paid it on time. 

Thank you XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-20
Company: EQUIFAX, INC.
State: MO
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 following accounts do not belong to me : XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX # XXXX account number unlisted Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX Unverified Account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-20
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have included a letter to each of the 3 major bureaus involved in this complaint. They have all been complicit with the companies reporting in my credit files in violating law by not providing me with verified PROOF of the accounts validity. I have been monitoring my credit for months now and XXXX, XXXX, and Experian have simply taken companies words that the accounts are supposedly mine, verified, and valid instead of providing signed proof that they are. This opens the floodgates to false accounts just sitting on peoples credit reports! Reps from these bureaus will even tell you that they arent required to give proof, as if that makes sense. Seriously? That is completely absurd. Essentially, XXXX, Experian, and XXXX are all claiming that truly unverified, invalidated accounts are " valid '', " reporting correctly '', " mine '', and " verified ''. Under the FCRA, they are supposed to validate these accounts with original consumer contracts bearing my actual signature. They have not done that -- and remember, it has been MONTHS of them refusing to do their due diligence. By the way, there is an account that I have made note of in the attached letters that is reporting twice under two different namesXXXX XXXX ( who illegally put a false judgment on my public record ) and XXXX XXXX XXXX. Complaints will also be filed against these two as well.

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 2019-05-21
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XXXX I went to the Equifax website to life a credit freeze I had placed on my credit in order to apply for a card. The system said I could not do it and had to call. I called Equifax and they proceeded to say the online system did not work. Fine. Then they asked about a dozen questions - all of which I answered - and then they said - not enough and they could not lift the credit freeze. The question they seemed to have a problem with was Did I EVER have a department store credit card and what was the minimum payment. My last department store credit card was cut up years ago - I do not use them and SO HOW CAN I KNOW the minimum credit payment? I pay off my cards. They are ridiculous! If I answer my questions - they SHOULD LIFE THE FREEZE!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/XXXX I applied for pre-approval on a home loan through my personal bank with which I have done business for 20 years. When they tried running my credit report they informed me that EQUIFAX had a freeze placed on my account. 

At no point have I ever requested any kind of freeze be placed on my account, nor did I give EQUIFAX permission to do so. 

Since learning of this situation I have been trying to remove the block. Each time I speak with a representative they ask a series of time consuming and detailed questions about my credit history. Even though the answers I provide come directly from XXXX and XXXX  reports, EQUIFAX states they can not access my account because the answers are wrong. 

It has now been nearly two and a half months and I have lost the opportunity to purchase two homes I bid on. I am in danger of soon losing out on a third. 

EQUIFAX is consistently know as a troubled company. They have leaked personal information on several occasions. They make it exceedingly difficult to access or change information on personal credit reports. They insist that sensitive documents like Social Security cards and driver 's licenses be delivered to them via unsecured means like fax or postal service. Their turnaround time on requests and inquiries is abysmal. 

Considering the vast power credit reporting agencies have on buying power, potential employment and government security clearances, they should be easier to work with and deliver much better customer service. In comparison with XXXX and XXXX, there are serious improvements needed at EQUIFAX before they should be entrusted with the fate of so many people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
i closed my checking account # XXXX in person at the branch in XXXX, MA. 2 weeks later, the account was " reopened '' due to a payment being debited to a XXXX XXXX credit card that was attached to the account. There is absolutely no way that an account should have been " reopened '' because of this. If anything, I would owe a late payment to XXXX XXXX. Santander Bank has no right to be paying my bills from an account that I closed. This is fraud. 

The representative on the phone told me that even though an account is closed, Santander Bank has an obligation to pay any bills attached to it. It 's not Santander 's obligation to pay my bills. If anything, i would have to deal with the issue with the debiting bank. It should be noted that the representative specifically stated that the account was " reopened. '' With all of the sales practice concerns and inappropriate account openings occurring at large financial institutions, i know this is a buzzword for the industry.

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 2018-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are many mistakes appear in my report without my understanding.

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 2019-05-21
Company: Colony Brands, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I sent a fax request and a certified us mail request for account verification, as of XX/XX/2019 I had not received any response from XXXX XXXX. I reached out to the company and ask since they fell to provide the requested documents within please remove the account from my report. Representative XXXX a supervisor could only make that decision, supervisor XXXX got on the phone and I advised of the situation and my request to have the account removed since the did not verify the account, she advised me that a response was sent to me at my P.O. Box in Florida. I dont live in Florida nor did I provide a Florida P.O. Box in my request I provided all my current information. I will attached a copy of the fax and certified letter for your review

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
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: Public record information inaccurate

Complaint:
On XX/XX/2018 Chapter XXXX Bankruptcy discharge under public records has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting public records Chapter XXXX Bankruptcy discharge filed on XX/XX/XXXX XXXX to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of bankruptcy that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS Chapter XXXX Bankruptcy discharge filed on XX/XX/XXXX XXXX ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : EQUIFAX, XXXX AND XXXX IS CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt. I have notified the Bankruptcy Court and their response letter is attached stating they do not report information directly to the credit reporting agencies. Therefore, how could you verify this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have submitted this claim previously : " I have a checking account and a savings account with Chase. I am a XXXX resident, I am a resident and citizen of XXXX. I stay in USA XXXX with my relatives and use their address as mailing address, but my permanent address is in XXXX. I submitted form XXXX stating that when I opened my accounts and Chase confirmed that they have this form in their system. However Chase withdrew about {$120.00} from both my accounts in 2015 as " Federal Interest Withheld '' although they were not supposed to do that because of my foreign status. According to IRS publication about foreign individuals ( http : //www.irs.gov/Individuals/International-Taxpayers/Income-Subject-to-NRA-Withholding ) " bank deposit interest that is not effectively connected with the conduct of a U.S. trade or business '' are not subjest for tax withholding. They are supposed to refund this fee when requested by the customer. However I contacted customer service and the branch office several times and they were only sending me back and forth without any real help. Please help me to refund this fee. " The bank responded that I have to submit a new version of XXXX form in order to proceed with refund. I have submitted it more than a month ago, however fees are still not refunded and bank is not responding to my inquries. I have attached a new signed form XXXX to this claim again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-03
Company: U.S. BANCORP
State: WI
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: Card was charged for something you did not purchase with the card

Complaint:
On my Visa statement ending XX/XX/2019 through US Bank there were several fraudulent charges. I contacted the bank and they reversed all of the charges except one. That being transaction reference number XXXX on XX/XX/2019 in the amount of {$1000.00} for a round trip flight to XXXX from New York. I did not fly to XXXX or any where and can not leave the country as I do not have a valid passport. Further attempts to get this charge reversed have been ignored.

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 2018-02-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My credit cards were stolen on XX/XX/XXXX from XXXX in XXXX XXXX , the thief then proceded to run to XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and committing fraud by charging my debit card ( without pin ) for XXXX. My phone texted me to tell me the transaction and I immediately called Chase and told them it was fraud and to shut my card down, they did and reversed, now I got a letter saying the transaction was valid. I called them back today XX/XX/XXXX and told them it was not and there is a video of the fraud and the signature was not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: Professional Credit Management, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My credit has been negatively damaged by PROFESSIONAL CREDIT MANAGEMENT. They four negative collections on my credit report. I have called PROFESSIONAL CREDIT MANAGEMENT in hopes that they would remove those negative remarks. They refuse to do so. 
Collections 1 : {$2100.00} Collections 2 : {$360.00} Collections 3 : {$88.00} Collections 4 : {$1000.00} All these collections accounts have to do with identity theft that occurred at this location : XXXX XXXXXXXX XXXX. I have no knowledge or history with this entity.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-19
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: Their investigation did not fix an error on your report

Complaint:
I have submitted a certified letter every month for the last three months to all three major credit bureaus and the original creditor stating that there are multiple errors being reported on the XXXX account being reported. I have asked for validity of debt and documentation to prove that this is indeed my account and each time it just come back as verified with no proof. If this is indeed my account I need documentation stating that or they must remove this inaccurate and erroneous information immediately. 

Account in question : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-09
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have an insurance claim that was paid & damages were completed in XXXX of XXXX for {$30000.00} for our roof. 
The roofing company has completed the work they have received 2 disbarments of payments, the final inspection has been completed since XX/XX/XXXX. 
We have given Rushmore Mortgage Company all the documents they needed EVERY month we certified mailed and emailed them to them ( the same documents over & over ). They have dispersed some of the funds and every time we call it is a new issue they make up as to why they haven't released all the funds. They have received every document necessary, the job has been completed since XX/XX/XXXX. 
They still owe us over {$25000.00} The insurance company released the funds to get the house fixed and Rushmore has made it impossible for any of the parties to get paid. I have contractors threatening me that they are going to put a lien on my house & I am going to get lawyer fees because the accounts are almost a year old. 
Rushmore has made this process very difficult for me as the homeowner and for all the contractors involved that have completed the work the house needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: JPMORGAN CHASE & CO.
State: CA
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:
On Sunday, XX/XX/XXXX I noticed I had two pending transactions. An ACH payment for {$50.00} and another ACH payment for {$29.00}. So I head to the bank to deposit {$40.00} needed to cover those transactions before I get charged two insufficient fund fees. I was expecting another ACH payment for {$100.00} to come in on Monday which I was okay with paying that fee to cover that payment. On Tuesday I get an alert showing three Insufficient funds fees. The way they structure the payments to go into the account {$100.00}, {$50.00} and {$29.00}. I called customer service on Tuesday and talked to XXXX  who was unable to explain to me how is it that on Sunday the two smaller transactions are shown pending on the app but come Tuesday the bigger transactions is posted first creating not one Fee but three. I believe this practice is wrong they are structuring the way payments come in in order to collect more Insufficient Funds Fees.

Chase Bank

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-19
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I recently transferred funds from coinbase to XXXX ( XX/XX/XXXX ) and the funds went through. I then transferred the funds to my XXXX address XXXX and see that my transaction is pending in coinbase but says sent in XXXX. When I grab the transaction hash from XXXX it shows that it is invalid. Left 3 trouble tickets XXXX ( case id : XXXX ) coinbase ( case id : XXXX and XXXX ) and called support afterwards they told me they would look into it and 4 days later nothing no transaction on the blockchain. Support told me to submit a ticket which I have and of course they never respond. I transferred XXXX litecoin and really want get rid of my coinbase now but am stuck dealing with this. I 'm not about to lose XXXX and still need to send XXXX litecoins but am afraid they will be lost too. When i entered the txid hash provided it shows invalid on the blockchain XXXX XXXX XXXX XXXX XXXX also shows 0 confirmations in coinbase. I feel this is the only means to try and get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: Nelnet, Inc.
State: OK
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:
Hello, I have been making monthly payment with XXXX XXXX on time to get my Loans out of default and im currently on rehabilitation. This week i get an update via XXXX XXXX that my payment history was reported as Late which caused an 82 point drop in my credit score. The previous week my balance was decreased and negative payment history was removed. I spoke with XXXX from the department of education and was advised they don't update any payments when they are in default and to contact the Credit reporting. Not sure what is going on but i need this to be updated and corrected.

Company response to consumer: Closed with explanation