BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is a NEW complaint. Select portfolio servicing did not ATTEMPT to collect a debt not owed. They have {$250000.00} for a debt in dispute XX/XX/2020 select portfolio servicing provided a payoff statement in the amount of {$250000.00} to the title company. XXXX XXXX  collected this amount that was wired to sps that day. XXXX XXXX sps returned the money to the title company which because there was no release provided was promptly returned to Sps. Sps then returned the money to XXXX XXXX. XX/XX/XXXX sps received a check for {$250000.00} from my proceeds from XXXX. No releases have been recorded and I still do not have my proceeds

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: Experian Information Solutions Inc.
State: NY
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   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  (  XXXX  )  XXXX   XXXX  XXXX  XXXX  SS #  XXXX  Experian  Re : unauthorized inquiry To Whom It May  Concern : I would like to dispute an unauthorized inquiry from  XXXX  which was made on  XXXX / XXXX / 2016 . I checked my credit report, which I acquired from Experian.   I have contacted  XXXX , who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation?   Thank you for your assistance in this matter, Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-30
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was notified by XXXX XXXX that I received derogatory credit reporting. Trans World Systems reported that I owed XXXX to them. 
I called them earlier and they allege that I owed XXXX to XXXX XXXX for services on XX/XX/18. 
They had no information for me on who made the report or what services they allege. 

As far as I am aware, my account with XXXX is in good standing. Further, I am not in receipt of any outstanding invoices from anyone related to my XX/XX/2018 XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
There has been several times I am charged overdrafts fees over the years. I have been charged even for taking out savings. Also credit not teporting correctly gor my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Well fargo bank XXXX XXXX XX/XX/1990 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 2021-08-11
Company: EQUIFAX, INC.
State: TN
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 reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply.My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. I have attached a copy of my ID and SS card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is a complaint is to request an investigation of payments made on card that allowed the credit limit to be exceeded and about an exasperating 3 years amount of time. It is the end of XX/XX/2020 and I have made several to many complaints. I have yet to receive any details of investigation other than the elementary no evidence of fraud was found. Large, successive, multiple, and without a doubt, fraudulent payments were made on the card and then bounced. Researching the payments should have been routine but was not part of the investigation. How many people have faith in big business to be hi tech and professional companies to always be one step ahead of the many thieves. How many fraudulent payments would have to be given the person reading this, me, or the CEO of this company before we are alerted? Several were made and then I was penalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX   Company Inquiries : 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 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 2020-10-30
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
XXXX XXXX I had a fraud case. I have summitted everything plus extra documents to relia card and was told all documents was accepted. Now they have told me the fraud case was closed the money was out back into my account but refuse to unlock my card. They keep telling me to upload my i.d and keep submitting the same documents I have all month long that have already been approved. They allow my direct deposits to go through each week but will not allow me to access my funds. I am a single mother I have complied every way their company has ask n told me to and I am going on two months being locked out from using my account and debit card.

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 2018-03-01
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was contacted in XX/XX/2017 by a Collections agency Procollect Inc ( XXXX XXXX XXXX, XXXX, TX, XXXX XXXX ) for a debt of {$5800.00}. 

Per the Collection Agency, I was owed rent and other charges while I stayed in XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX ). I was told I was the second applicant in the rent application ( along with someone else ). The community failed to provide me any more details when I contacted them by phone. 

I have never lived in the said community. I own my house and live with my wife and XXXX XXXX. We have been married for 6 years. I have never even been to or seen the community. 

I had communicated the same to XXXX XXXX over the phone and sent them a notice on XX/XX/2017. I had also sent the notice to ProCollect Inc. I had also shared my Mortgage receipts, my address proofs for my owned house. 

XXXX XXXX never responded to my communication. They have now ( XX/XX/2017 ) placed this debt on my credit report which has now caused my credit score to drop considerably. 

Thanks, 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 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2022-06-13
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: EQUIFAX, INC.
State: IN
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:
According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. 
I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: Celebrity Financial, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We refinanced our home with Celebrity home loans on XX/XX/XXXX. The funding manager came to our home to notarize the refinance documents. She was unable to bring copies and said she would email us the following day of all the papers we signed. On XX/XX/XXXX we still had not received copies of the above documents and I reached out via email to the funding manager. I received a response and was told the loan officer would get us a copy of our closing documents. On XXXX I emailed our loan officer following up and letting them know we received the refund from our previous loan servicer for our remaining escrow and they could cash our closing check. XX/XX/XXXX I sent another email and called the previous day leaving a voicemail with no response. I received an email later that day from the loan officer stating the titling processes that and she would cc them onto the email. XXXX I sent another email to the loan officer as I still did not hear back from the titling department. XXXX I was notified be email that loan officer was no longer with the company and a new agent would be taking over. She stated she would look into the issue. XX/XX/XXXX I still had no resolution regarding the copies of the closing documents. I received a response later that day, " I will light a fire today!!! '' XX/XX/XXXX and still no response so I sent an email stating I was going to file a complaint if the documents were not received by XX/XX/XXXX. I still never received a response to that email as of today nor has our closing check been cashed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am contacting you about the compromise of my social security number. I am a victim of Identify Theft. I contacted the Federal Trade Commission and filed a complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Listed below : XXXX XXXX, XXXX XXXX XXXX, and 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 2020-11-03
Company: Paramount Recovery Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good evening, thank you for your time, My credit score has been around 780 - 800 for the past 1-2 years. I had nothing reporting derogatory for the past 5-6 years. All the sudden, I see on my XXXX  XXXX  on XXXX  that paramount collections recovery has report two  delinquent payments, since XXXX of 2020. my credit score dropped by 30 something points. I have not received anything, also do not know what this is for. So assuming this is out of statute at this time. i did email them to remove it, but have not heard from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Experian Information Solutions Inc.
State: TX
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$6200.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$6200.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2023-01-14
Company: Experian Information Solutions Inc.
State: TX
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:
Violation of My fair credit reporting act rights

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 2022-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

CAPITAL ONE BANK USA N XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: Diversified Adjustment Service, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was applying for a credit card and was denied in the beginning of XX/XX/XXXX. I looked on my credit report and saw there was a collection agency on it, Diversified Adjustment. I called them and spoke with XXXX, XXXX. She asked me if I live at XXXX XXXX XXXX XXXX and I said no. I later called om XX/XX/XXXX and told XXXX I never got a debt verification letter and she explained XXXX was the ones who hired the collections agency to get money they thought I owed them. I took 1 week off to get things sorted and to get a police report that indicates grand larceny, from XXXX as it was a XXXX employee XXXX XXXX XXXX that opened a second account without my knowledge and bought {$7100.00} in my name, committing identity theft as he asked me for my whole social # and took a picture of my drivers license. I emailed the collection agency four times to give me a letter that shows the debt that is being owed. They never responded to me. XXXX hung up on me as well as XXXX. This collection agency breached the FDCPA.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I Consumer XXXX XXXX the Executor of XXXX XXXX XXXX XXXX was trying to close out my fathers estate when I notice an alleged creditor place a claim of debt against the estate. On XX/XX/2021 I sent Gulf Coast Bureau, Inc a validation of debt letter containing certain information for them to respond with information such as who is the alleged debtor and what is the debtor address also when was the original charge of delinquency. As of XX/XX/2021 I have not received a response from Gulf Coast Collections containing the information requested nor have they withdrawn their claim of debt from the estate. Gulf Coast Collections is in direct violation of 15 USC 1692g by not responding in the 30 day time period with requested and by also not sending within the the first 5 days of the initial communication a written statement containing the amount of the debt owed and the name of the creditor to whom the debt is owed. They also failed to provide a statement that if the consumer does dispute the debt in 30 days then the debt will be assumed valid within the initial 5 days of communication with the consumer.

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

Complaint:
On XX/XX/XXXX I had {$900.00} in my USD Wallet on Coinbase.com I  made a purchase of XXXX BTC ( Bitcoin ), and was somehow charged a purchase AND a sell transaction. I never sold ANY bitcoin on the date in question, only purchased using funds that were already available in my USD Wallet. After informing Coinbase via a support ticket, I was informed a specialist would be assigned to look into the matter but have received no correspondence.

Company response to consumer: Closed with explanation