BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I've disputed this XXXX XXXX account on several occasions with TransUnion through XXXX XXXX. this account is inaccurate it's reported as open on TransUnion but closed on XXXX, but yet the account is in collections. the date opened is wrong as well it's reported opened on XX/XX/17 on TransUnion and reported opened XX/XX/17 on XXXX. I request that this account be removed due to the detrimental impact it has had on my credit. in addition, they reported a late payment and a past due balance of {$470.00} on a XXXX XXXX account that had been charged off. and late payment for XXXX when that account has been charged off and closed. 

on XXXX XXXX is a closed account that has been charged off but yet it has a past due balance of {$1000.00} and XXXX late payments when I've never made a payment late or at all. it also has XXXX XXXX XXXX which is a charged off the account but yet is has over XXXX late payment and a past due balance of {$470.00} as well as XXXX XXXX XXXX with a late payment which I've never made late

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 2019-06-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received an offer in the mail from HSBC in XX/XX/2019 for a credit card offer with a promotion for zero interest rate on purchases and balance transfer for 18months. 
I went on-line and applied for the 18 month promotion. 

I have done this in the past with other cards and use the no interest period often for a balance transfer and pay it off. I am also a XXXX   XXXX XXXX for 20 years I am aware of terms. 

I received the card along with the offer letter dated XX/XX/2019. Please see attached letter. Again it clearly states 0 % for 18 months. 

I received a letter dated XX/XX/XXXX. See attached. I called the number on when I read it around XX/XX/XXXX and got the run around put on hold for 25 minutes. ect really a nightmare. Finally spoke to a manger named XXXX he admitted that they had meetings about this false Advertising and was instructed to ignore any calls and about this issue that most folks would get frustrated and stop calling. But he would expiate the issues and call me back on Friday the XX/XX/XXXX. he did call me back and gave me the run around again per upper management. Keep in mind all this comes out of the XXXX call center you can not speak with any on in authority in the USA. 

I called again today XX/XX/XXXX again with no results. 
This is bait and switch Advertising and illegal in all US states.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: Experian Information Solutions Inc.
State: NY
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: Problem getting your free annual credit report

Complaint:
I tried to access my credit reports online using the XXXX XXXX XXXX XXXX website on XX/XX/2021 and on XX/XX/2021. During COVID-19 all credit reporting agencies are required to provide weekly reports, yet Experian denied my request both times stating that a condition exists that prevents them from providing my credit report online. I am using the most current operating system developed by XXXX and the most current browser developed by XXXX. I have every right to access my credit report online, and I expect this issue to be resolved immediately.

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 2021-07-19
Company: CURO Intermediate Holdings
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
I have tried to settle this with speedy cash but they do not give me options. They then send this email threatening a case against me and to press charges for 1. Violation of federal banking regulation act 1983 ( C ) 2. Collateral check fraud 3. Theft by deception ( ACC ACT 21A ) Which carries a maximum sentence of 3 years of prison and a fine up to {$5800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Transunion and XX/XX/XXXXboth refuse to remove a bankruptcies that they claimed were verified through a 3rd party, XXXX. Since then, the bankruptcy has been removed from XXXX, admitting lack of verification on their end. Also, reports have been frozen in order to protect my scores during the repair process. They refuse to remove the bankruptcies and have failed to verify the exact process for their verification. XX/XX/XXXX removed the bankruptcies after the first round of disputing.

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 2021-11-10
Company: EQUIFAX, INC.
State: CA
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX bank and its history has been removed from 3 credit bureaus although it is and has been an active account for years with an excellent history and its removal has reduced my overall 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 2017-06-10
Company: COLLECTECH DIVERSIFIED, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed the collection through  XXXX  originally. The collections were removed from the report. Approxima tely 30-45 days la ter it was really reported to all   XXXX   credit agencies,  XXXX ,   XXXX   and  XXXX  after obtaining information from  XXXX . It is illegal to attempt to col kk ectopic after an item has been removed for violation of the fcra. I want this removed and the company dealt with appropriately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am refinancing my existing mortgage with Navy Federal Credit Union and I am at the closing stage. My loan agent was pressuring me to schedule a closing date for Tuesday XXXX XX/XX/2020 and I had not received my closing disclosure. I received it Friday XXXX XX/XX/2020 in the afternoon while I was at work so I couldn't look at it until I got home. When I looked at it I sent e-mails to cancel the scheduled closing because my escrow account was grossly excessive. It had listed a cushion for homeowners insurance at 9 months of {$100.00} and property tax cushion of 6 months at {$470.00} per month for a total of {$2800.00}. My total property tax and insurance bill for the year comes to {$5400.00}. The cushion for my escrow should only be listed at 1/6 of that total according to RESPA section 10. They have my monthly escrow payment listed as {$570.00} which is {$120.00} a month over what it should be if you divide {$5400.00} by 12 months which would be {$450.00}. My total escrow cushion of {$2800.00} plus my 12 months of escrow payments at {$570.00} equals {$9700.00} for the year. My total escrow disbursement for the year is {$5400.00}. I asked my loan agent why the payment was so high and she said it was probably because of inflation. She said she has never heard of RESPA and she has been doing this for a long time and this is how Navy Federal Credit Union handles their escrow accounts. On Navy Federal Credit Unions website it lists their procedure for escrow accounts that is in compliance with RESPA section 10 but the employees don't follow it. My existing escrow account on my current mortgage with them has been handled in the same fashion. I have never had a refund in 4 1/2 years and every year I get a bill for triple the amount of my property tax and insurance yearly increase and my monthly escrow payment amount also goes up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08
Company: WELLS FARGO & COMPANY
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
credit card agency has negative marking on credit report, although there is a {$0.00} balance owed. I have contacted both XXXX and XXXX to investigate the negative marking, and the deb agency has yet to respond to my complaint. I'm asking that the marking is removed from 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 non-monetary relief
Consumer complaint received 2018-01-28
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Two items I'm disputing, first one is : Months ago, maybe a year ago, I noticed that there was a " debt '' showing as unpaid on my credit report. I contacted the dr 's office ( XXXX XXXX in XXXX XXXX, FL ) and they agreed that it was paid years ago and it shouldn't have gone to collections, they said they'd fix it. They didn't - I contacted them several times and each time they didn't correct it. I wrote a letter in XX/XX/XXXX. I received notice from XXXX stating they corrected it. But now I still see it on XXXX ' report. See below. 
Updated collection, XXXX XXXX XXXX, XXXX XX/XX/XXXX BUSINESS NAME/ADDRESS, BUSINESS TYPE, ACCOUNT TYPE/STATUS, BALANCE, XXXX XXXX XXXX XXXX, UNPAID, $ USD XXXX Second dispute is : New collection, AR RESOURCES INC, XXXX, XX/XX/XXXX BUSINESS NAME/ADDRESS, BUSINESS TYPE, ACCOUNT TYPE/STATUS, BALANCE AR RESOURCES INC, XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX, Collection, {$100.00} This is for another medical bill from XXXX XXXX XXXX. I had made arrangements for monthly payments and I paid it off even sooner than agreed. I contacted both XXXX XXXX XXXX and AR Resource. When XXXX XXXX said I didn't have a payment plan, I asked them to have a supervisor call me, I'm still waiting for the call!. The balance is XXXX on this and should not have gone to collections! 
It's frustrating to get medical care, pay your bill and still get sent to collections - probably due to the incompetence of entry level reps. So here are two medical offices that people should try to avoid!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
A relative purchased a gift card for my birthday. Unfortunately, I lost this gift card. I was able to obtain the gift card receipt ( Proof of Purchase ). The gift card was purchased at XXXX grocery store in XXXX, VA. I contacted American Express and faxed over the documents in XX/XX/2018. I received a letter from American Express stating that they could not process the gift card and/or issue a new gift card. American Express has made the entire process arduous. I filed numerous complaints with the Better Business Bureau. Please reference Complaint ID : XXXX. I am requesting the assistance from the Consumer Financial Protection Bureau in efforts to obtain replacement card.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: Receivable Asset Management
State: IN
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Kramer & Associates is contacting co-workers, family and friends who are not listed as references anyway. They disclosed to my mother that they were a collection agency ; they have left messages on my work phone and continually harass my cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  Previous learning that EQUIFAX SELF ADMITTING TO SENDING OUT FAKE REPORTS IS FIRST OFF MIND BLOWING. FURTHER INVESTIGATION INTO MY CONSUMER REPORT IVE NOTICED I HAVE BEEN AFFECTED TREMENDOUSLY BY THESE COMMENTS in pursuant of 15 U.S. Code 1681 - Congressional findings and statement of purpose Under 1691. ( 3 ) equifax assumed a role without my consent 1681. ( 4 ) reads There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. EQUIFAX HAS NOT EXERCISED THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS, IMPARTIALITY, NOR WITH RESPECT TO MY PRIVACY. 
( FACT ) NEVER GAVE PERMISSIBLE PURPOSSES UNDER 15 U.S CODE 1681B ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

ALSO XXXX XXXX XXXX XXXX XXXX IS REPORTING TO MY ACCOUNT TWO DIFFERENT WAYS ONE IS POSTIVE FOR ALL PAYMENTS MADE WHERE THE OTHER READS LATE ON ALL THE PAYMENTS CAN YOU REMOVE PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I made a complaint. You told me to give the company a chance to fix the problem. 
I received a request for me to sign a second mortgage on my house. A house I have had for 15 months. I only took nine months forbearance. All I should owe is the escrow. XXXX at the most. They are saying I have to sign second mortgage for XXXX or lose my home. How this is a scam! 
I need help. I have a lawyer, but the phone numbers are changed. I can not afford to pay a whole lot of money. Help me get my mortgage straightened out. PLEASE!!!

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 2018-01-28
Company: WESTERN UNION COMPANY, THE
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
My name is XXXX XXXX XXXX on the XX/XX/2017 i wanted to send money to XXXX to my family. When i went to western union XXXX, i was refused by the western union that i can not sent money western union USA has block your name. I send my email to XXXX XXXX XXXX USA unit. they responded by sending me a restatement form which i filled in on the same date, and they said within 5 days they will respond. Western union USA asked my copy of my passport, proof of employment a copy of contract all this i send to western union. 
My complaint is that they is no due care western union are personal document. when they request this document they do not put the contact and name of person request for very important documents from western union .Is this professional. Western union after taking a copy of my pass port, contract of work .work visa and details of my wife. they have not come back to me .help i am scared may be it fraud scam to steel my documents. Because western union has office and argents in each country to close check identify face to face instead of asking through internet why can they ask the agents to check the identity .Right it is 7 days western has not able to help and i can not send money to my family. 
Kindly help me. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have bought Virtually currency worth several thousand dollars from Coinbase in their platform. They should then have provided access for me to use or transfer my purchases. However, after receiving my payments, Coinbase has closed my access to the account and not letting me using or receiving my purchases. 

They have added a statement on my account saying that " ... you have attempted to log in to your account from a country prohibited by law in doing Business ''. 
However, this is not true at all. I have only accessed their platform either from my home XXXX XXXX ) or office ( XXXX XXXX, XXXX. I'm also the only user of my account on their platform. It's worth mentioning that the purchases were also made via my account which was also verified by them. 

I have contacted them several times via their contact form, emails, and social media ( Twitter ) as well as by post. But I have received no response from them. 

After investigations on their social network accounts,XX/XX/XXXX, and etc, I have found a considerable number of complaints and negative comments about Coinbase that is attempting to take people 's money/purchases with untrue statements, and then ignore the people to provide any response to them. There are many similar cases that you can find them online who have been trying to contact Coinbase for months. 

This suggests that either the Coinbase owners are trying to make unlawful financial gain in any way possible, or their system has an error. But, if the latter, they should have provided an answer and investigated and resolved the issue, in particular, despite my several attempts to contact them. However, they did not respond, and in fact, because of their bad reputation online now and peoples ' comment, it looks that they simply take peoples money/property in any way possible for -unlawful- financial gain. This action is considered fraud. I'm now very stressed now and I can only hope that is not true, and problem can be solved soon. 
I have also, according to XX/XX/XXXX asked them for my data. This is not provided as well. 

I, therefore, kindly ask you to help me and investigate my complaint in this regard. 

Thank you in advance for your work and efforts. 

Sincerely yours, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I didnt give consent to furnish my personal information regarding my open credit plan. Ive been violated and harassed about information I deem private. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2020-12-22
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I called XXXX XXXX on XXXX XXXX to see if I could reach a settlement for a delinquent account on a defunct voluntarily repossessed auto. I spoke with XXXX at extension XXXX. She offered me a settlement on the XXXX debt. I accepted and paid it the same day during business hours XXXX XXXX. ) I was expecting the SBA to pull my credit for an Economic Disaster loan for my businesses which were effected by XXXX. I disputed with the credit bureau Experian on the same day or next day. They completed the dispute in 30 days. It came back as verified even though I have documents that it was paid. I called Experian after the 30 days. I spoke with an agent who put the dispute in again this time with my receipt letter. Yesterday XXXX XXXX, 2020, I called XXXX XXXX and spoke to XXXX. She said she will email me a form to submit a dispute directly with XX/XX/XXXX. The damage is done. I believe this is a violation of the Fair Credit reporting act, the Cares Act and possibly others and am seeking remedy. I needed this off of my credit in a timely manor as I am effected by covid-19 and needed to get a Cares act Business Loan and this process has hindered my application process thus my livelihood and survival.

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 2021-07-19
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have been trying to dispute some accounts that is on credit report that been impacting me very negatively. The accounts on the report was incorrect or inconsistent. I have ask them investigate those account multiple times they have yet responded to me on if the accounts was verified or accurate. They havent example where they verified or showed proof of any accuracy nor have they told how they are communicated with the creditors who are reporting these accounts. 

Below are the accounts : 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