BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-09
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 have attached the three credit burau reports. Advantage formally was named XXXX loan company. now they're named XXXX. XXXX would not release info to me about the allegedly missing 180-day payments .... then she got quiet and hung up on me. she was a supervisor as well. soooooo they know i have proof of the not missed payments due to me always being on forbearance, deferment or income driven plan due to my income due to XXXX and XXXX diagnosis. attached are the whole and i mean whole list of loans ive taken and thats been three of them. also the evidence shows going back from XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
My credit score dropped 89 points in two weeks with no changes to my credit report, I contacted XXXX XXXX  and XXXX XXXX through XXXX XXXX and both advised it was a transunion issue. I contacted transunion and they advised that what the two services were reporting was completely wrong and much lower than what my credit score actually was. So, I went online and purchased services through transunion to find out they had in fact droped my credit score 89 points with absolutely no negative changes. I am completely mystified at how credit bureaus can do this to people without any good reason. Our credit bureau system is broken, disputes never get resolved, information is continually incorrect, items that are older than the allowed are still on the credit report even after disputing them. Something needs to be done. They blatantly lied to me on two separate conversations to get me to spend money to buy my score all to find out they were one, lying and secondly actually did drop my score with no changes to my 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 2017-07-14
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX of XXXX I noticed a debt collection listed on my XXXX credit file with Syndicated office Systems aka Central Financial Control that was fraudulent in the amount of XXXX. I immediately contacted them to dispute the item. I have been disputing this debt with Syndicated/Central Financial to no avail. I had previously provided an affidavit and police report of identity theft requesting the debt be removed due to fraud. I spoke to an representative numerous times for almost two years and nothing has happened. I continued to send the affidavit and the police report for now almost two years. I call and now they tell me that they will only respond to me via me making a fax request as it has been reported as fraud. I do n't know what else to do when I have provided the identity theft police report and affidavit of identity theft as to this XXXX debt. It has affected my ability to obtain credit for almost two years now and has caused me irreparable harm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: Accounts Receivable Inc.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Accounts Receivable, Inc is a collections agency in XXXX, XXXX plaintiff is XXXX XXXX XXXX XXXX XXXX send me a court order to garnish my money but is over the statute of limitations dated XX/XX/2013. I paid the XXXX XXXX XXXX to help me regarding the lawsuit. 

I believe I paid for every credit card that I have but they said no. They are trying to look for the proof of payment that I paid the company. 

I live in XXXX  state and the statute of limitation is 6 years. Why now?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
opened an account with wells fargo and notice lately they have the delaying the processing of the charges to confuse with the balance and become victim of fees, the account was assessed and insufficient charge {$35.00} today XX/XX/2017 and even I deposited the amount to cover the overdrawn which took 4 days to appear {$80.00} but made on the XX/XX/XXXX. I never sign for overdraft protection for this account and in the past when no funds available just do n't pay it. now somehow with the fraudulent staff they have they have turned on the overdraft protection on the account without my consent. and now they are charging the insufficient funds. 
I have tried to send the mails through their mobile website and it freezes when filling the form and when hitting the send button nothing happens, I feel I am being victim of fraudulent tactics by this bank to hurt my credit and profit illegally from me. 
I want to close this account and the insufficient charge reversed. 

Sincerely, 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 monetary relief
Consumer complaint received 2018-01-03
Company: D. SCOTT CARRUTHERS
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Unknown account appeared on my XXXX credit report XXXX of XXXX under the name of XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX, CA XXXX - ( XXXX ) XXXX, claiming a balance is due of {$870.00}. Several members of my family have received phone calls at all hours of the day from various numbers claiming a lawsuit has been filed XXXX times a day, even after being asked to be remove their number. The numbers are randomly generated and you can not contact them back. Mountain Lion Acquisition is the same company as XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX, CA XXXX. My elderly father received a phone call informing him that someone would be coming to his home address to serve him papers and that he needed to be present to sign. The caller informed him that an amount of {$3400.00} is due and that the amount would increase upon court fees. I received a letter that stated they wanted my report with an emphasis on employment status and lawsuit worthiness from XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX, CA XXXX. I have never received validation and have filed complaints on XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX, CA and have never heard back. Now they are reporting incorrect information to XXXX to damage my credit report. Violation under the Fair Credit Reporting Act ( FCRA )

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 2018-01-03
Company: JPMORGAN CHASE & CO.
State: IN
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 rented a car from XXXX XXXX and paid for the complete insurance including XXXX dollar deductible. The car reserved was not available upon arrival and XXXX said they would give a free day because the vehicle reserved was not available. The car side view mirrors were damaged and XXXX XXXX charged me for the repairs. I disputed with XXXX XXXX and sent all the paperwork showing the complete coverage including XXXX deductible. Chase responded and said they saw nothing wrong with the charges from XXXX XXXX. Specific dates of the charges are listed in the attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been disputing fraudulent reporting on my credit report with XXXX accounts and XXXX different credit report agencies. XXXX and XXXX. The accounts have not been validated or verified according to the laws that were cited. They refuse to remove them and the creditors also have failed to validate and verify the accounts. They can verify them but the validity of the debt has not been proven.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
XXXX and Transunion and XXXX have denied my multiple disputes on deleting my bankruptcy after the time it legally should be deleted. I have attached official official copies of my discharged bankruptcy! remove from my reports XXXX, XXXX and Transunion asap as i have hired an attorney to handle this wrongly emotional distress situation with Transunion, XXXX and XXXX. i will contact the Vice president of company in a week if this isn't handled correctly and the right way to treat someone.I have attatched multiple proof of official XXXX. XXXX dismissal date as of XX/XX/2012.

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 2019-05-09
Company: LD Holdings Group, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I have a mortgage with LoanDepot - NMLS # XXXX and for four and a half months they have been promising to pay my XXXX County, South Carolina property taxes but it keeps being delayed. When I ask for email confirmation from the multiple customer services rep 's they claim that they are not allowed to send email confirmations but assure me that they tax payment is being processed and will be paid the on or before the due date ( for four and a half months straight this was their answer ). My county is now sending letters threatening to post non payment of taxes signs starting XX/XX/2019 and that my property will go into public auction XX/XX/2019. The mortgage company is not giving me an assurance that the payment will be delivered by XX/XX/XXXX and this has forced me to pay the property taxes out of pocket. 

I originally called in XX/XX/XXXX and the company confirmed that my property tax bill was received and will be paid on or before the due date. I received my first letter from the country in XX/XX/XXXX claiming the taxes were never paid, at this point I called my mortgage company and they said the bill was never received and to send it to XXXX and it will be paid quickly. I sent the tax bill to the email referenced above on XX/XX/2019 and received confirmation that the bill was received on XX/XX/2019. On XX/XX/2019 I received a certified letter from my county claiming the taxes were still not paid. At this point I called my mortgage company several times and talked to XXXX, XXXX, XXXX, and XXXX who are all customer service reps of Loan Depot. They assured me the bill was received and will be paid by XX/XX/2019 at XXXX PST. I called back at XXXX PST and was told that there was never a note on my account to have this paid by XXXX. At this point I asked for a supervisor and was directed to XXXX who holds the title of customer care supervisor. He refused to give me his employee ID and refused to give me the contact information of his supervisor. He again assured me the property tax bill would be paid by XX/XX/XXXX to which I explained this is unacceptable because the county will be taking action on XX/XX/XXXX. I believe this company is either doing some fraudulent or is too incompetent to complete the job required of a standard mortgage company. The fact that the supervisor refused to give me his employee ID or send an email confirming that the bill will be paid on date he claims shows that there is something not right going on. I have exhausted all options and will be talking with a lawyer to see what my options are going forward. 

Thank you

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: Experian Information Solutions 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:
XXXX XXXX is trying to collect for XXXX XXXX. The issue is that the loan was recalled by the original creditor in XXXX. Despite being informed of this and confirming that they cant take payment or discuss the account they still have not taken the item off my XXXX or Experian report so I am filing a complaint. They only responded to the XXXX compliant not the other bureaus and the information provided is not accurate. Thanks 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 2018-01-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XXXX and USAA have continually raised my escrow payment to compensate for their misdeeds. In approximately one year of having this VA loan there have been three escrow analysis and two payment increases. This is highly unusual and unheard of. 

The first increase, which has already been reported to CFBP, was due to USAA and XXXX targeting and discriminating against this Veteran. They willfully misappropriated my escrow account funds, charged me twice for a hazard payment depleting my escrow account and refused to refund the money they forced me to pay in unsupported fees and escrow " shortages ''. 

I went to pay my mortgage in XX/XX/XXXX only to find XXXX again raised my mortgage payment after performing a third escrow analysis or the second in less than a month. 

Both USAA and XXXX have refused to provide a single point of contact within their company to address this matter and insist that I make numerous calls to talk to XXXX and then USAA even though XXXX is the servicer for USAA. 

I am continually pushed to various agents within XXXX, left messages with no contact names or numbers, calls never returned, charged unsupported fees and forced to spend months pushing them to address these matters. All the while XXXX collects " shortages and unsupported fees '' they refuse to return.This is targeted harassment and discrimination. 

XXXX has refuse to fix their own system and have cause significant amount of distress and suffering. XXXX points to USAA and USAA points to XXXX to fix the fraudulent increases while neither do a thing and charge $ XXXX in unsupported fees and $ XXXX in escrow " shortages '' that both USAA and XXXX admit they created through deceptive acts of double charging and using escrow money for purposes not contractually intended while pocketing the unused portions. 

Simply put USAA and XXXX have continually used misused escrow funds at the expense and peril of the owner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
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: Public record information inaccurate

Complaint:
Experian and XXXX and XXXX have denied my multiple disputes on deleting my bankruptcy after the time it legally should be deleted. I have attached official official copies of my discharged bankruptcy! remove from my reports XXXX, Experian and XXXX asap as i have hired an attorney to handle this wrongly emotional distress situation with XXXX, XXXX and Experian. i will contact the Vice president of company in a week if this isn't handled correctly and the right way to treat someone.I have attatched multiple proof of official XXXX  XXXX dismissal date as of XX/XX/2012.

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 2019-10-02
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello and thank you for taking the time to read and address my concern : I was included in a Financial Institution and Credit Bureau Breaches, and have asked LVNV Funding LLC to provide the following : To provide an Original Contract Signed by me, to show proof that I authorized them to utilize any of my personal information. 

I have written to the company address provided on my credit report SEVERAL Times. 

They have a PO Box Address?? so I wrote to LVNV Funding, C/O Resurgent Capital Services XXXX XXXX XXXX XXXX, SC XXXX I need to know if this is even a licensed company?? and if they have the authorization to utilize my personal information. 

I am very concerned, as I do not know this company and have not authorized anyone to utilize my personal information.I wish no further contact and have requested expeditious removal of this debt. 

As a Consumer under the Fair Debt Collection Act, I have a right to the know how and why they are using my personal information, and again I did not AUTHORIZE! I have been involved in breeches and this is of utmost concern. If they can not provide an original contract signed by me, I want these accounts removed, as they appear negatively on my credit report as Open Accounts!

Two Collections are on my report as Open one for {$1300.00} and another Open one for {$1000.00} dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Square Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed through Cashapp about 2 months ago. Now the company is using my contacts to request money. I have unlinked my account and contacted cash app customer service and was advised that I would have to create a new account before they can assist me. I'm unwilling to do as I reported to them the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
WHEN I CHECKED MY CREDIT REPORT I SAW THIS ACCOUNT THAT DOES NOT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: Coinbase, Inc.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XXXX XXXX, 2017 I attempted to purchase some Ethereum on XXXX after I had logged in to my Coinbase account to check my USD balance. After logging in to XXXX my Coinbase account was hijacked while I was already logged in and all my coins transferred to the hackers wallet or account. XXXX Bitcoins ( {$9000.00} at time of theft ) and XXXX Ether ( {$2100.00} at time of theft ) were stolen. 

After weeks of no response, Coinbase finally informed me that I was allegedly the victim of a phishing attack. The hack appeared to be very sophisticated and possibly required insider knowledge of Coinbases security weaknesses.

Nevertheless, even though the hack may have resulted from a phishing attack I still hold Coinbase responsible for damages for the following reasons : 1. I was logged in to my Coinbase account when the hack occurred and that is the only reason I was able to make some screenshots with timestamps that document the hack. How is it possible that a second party can sign in to my account with my credentials from a different location with a different device while I am already logged in? This is in my eyes a huge and negligent security flaw on the part of Coinbase. 

2. While my Ether was transferred immediately, it took over an hour and 20 minutes for the Bitcoin to complete transfer. I initially reported the hack at XXXX XXXX EST via Chat and confirmed again via email at XXXX XXXX EST. I actually received a reply to my email at XXXX XXXX. Coinbase had ample time to shutdown my account before the Bitcoin transaction completed at XXXX XXXX EST. For whatever reason Coinbase did not shutdown my account until approximately XXXX XXXX  EST after the Bitcoin transfer had cleared. 

I have been trying to access my account in order to secure my USD balance that was transferred to my account after it was shutdown. I reset my password as requested but I am still locked out. It has been over two days and my account still has not been reactivated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
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:
XXXX allows XXXX XXXX / XXXX to illegally furnish/ report negatively impacting my credit score. Please see attached of XXXX XXXX admitting to charging a closed account. please see attach photo proof that the account was deleted previously.

Company response to consumer: Closed with explanation