BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-12
Company: Capital Accounts, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I started seeing a new XXXX office XX/XX/XXXX-XX/XX/XXXX. I stopped when they XXXX my XXXX. My bill was paid in full. I went on to get medical treatment and never went back to that XXXX. On XX/XX/2018 they opened a credit report against me that I owe them {$260.00} through the Collection Agency Capital Accounts. I disputed the charge. The collection increases {$1.00} every month since I disbuted it. I wrote the XXXX Insurance Company and XXXX XXXX actually stole money from me and owes me {$1600.00} which they have not paid. I also filed with the XXXX XXXX and its still under investigation. This man, XXXX XXXX is a crook and I dont owe him a single cent. His XXXX  staff is negligent and caused severe damage to my XXXX. I want this removed off my credit reports please.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: Experian Information Solutions Inc.
State: MI
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:
This has been a recurrent issue with reporting several accounts that were paid by a loan consolidation as more than 120 days past due. Currently being reported to all the credit bureaus are twelve XXXX accounts pay status " Account 120 days past due '' Accounts as follows : XXXX XXXX Dates opened XX/XX/XXXX appears twice {$380.00} and {$810.00}, XX/XX/XXXX- {$2400.00}, XX/XX/XXXX- {$1300.00}, XX/XX/XXXX appears twice as {$1600.00} and {$980.00}, XX/XX/XXXX appears twice as {$1300.00} and {$1300.00}, also there is XX/XX/XXXX entry {$1700.00}, XX/XX/XXXX for {$1700.00}, and XX/XX/XXXX for {$1800.00}. The other account XXXX XXXX reporting {$3700.00} account more than 120 days past due.

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 2017-08-10
Company: Netspend Corporation
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
XXXX XXXX Claim Date : XX/XX/XXXX, 2017 Claim Number : XXXX Claim Amount : {$2800.00} Disputed transaction error twice both times it was no error found I put all the necessary documents together and still no remedy. Netspend is now settling a class action suit in the amounts of {$53.00} million. They have opened accounts in my name and I requested them to close and still no action. Please help me they have hurt me financially.

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 2020-11-21
Company: ACRE MORTGAGE
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020 I decided to go another Mortgage lendering after Acre Mortgage missed my mortgage commitment date of XX/XX/2020. Fearing loosing my house I signed a written request to cancel my loan and transfer my appraisal. XXXX XXXX the owner immediately contacted me and told me that if I left XXXX that he would charge me all types of fees. I contacted my XXXX XXXX XXXX and she told me it was illegal for him to threaten and intimidate me like that. She also told me that I did not sign anything stated I would be charged a fee for canceling my loan. This felt like predatory lending! Acre Mortgage has now cause me to miss my settlment date of XX/XX/2020. I am praying not loose out on my home purchase. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
The collection account with XXXX was paid in full and closed on X/X/17. The account has remained incorrectly reported with Transunion for more than 45 days. This has caused delays in applications that were necessary for me to file by a certain time.

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 2020-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital One closed my account for non use ( only two years ). This is exactly what consumers do not need right now with the Covid-19 issue. This closure hurts my credit and it was down with no warning and is Un-American.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX we mailed a forbearance extension request for our CARES act XXXX XXXX mortgage loan. We noted that we are still experiencing a hardship due to COVID 19 and would like to a request an additional 3-month forbearance extension. We called to follow up with Loan care on XX/XX/XXXX regarding the extension request. We were told by the representative that she entered the application for us and that we would receive an update with in 5 days via email or regular mail regarding our extension. We havent received any update. Today we called again and were transferred to XXXX in the loss mitigation department. She advised us that the request we submitted was closed on XX/XX/XXXX. We were never notified of the closure and do not know why our protected XXXX XXXX loan forbearance is not being extended under the CARES act as it should be. We are currently in an active CARES Act mortgage forbearance plan with LoanCare/XXXX XXXX and are requesting an extension to that forbearance. Our hardship has not been resolved. We have not received any communication regarding our multiple requests for extension. We would like to receive written notice of our mortgage forbearance extension under the CARES act.

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 2018-09-24
Company: OpenRoad Lending
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Applied for a auto loan refinance with XXXX XXXX XXXX after terms stated the rate was 2.99 % and term of 72 months. Received a call today today my credit was excellent but income is insufficient so they have to triple my rate from the advertised rate and lower the term to 60 months and charge for fees and gap insurance. My income is by no means insufficient if that is so how can they justify increasing the rate and shortening the loan term that will make my payment XXXX more then I'm paying now. Doesn't make sense to me if " my income isn't sufficient '' Fraudulent practices and now I have a hard pull on my credit due to their fake fraud terms stated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my final request about your responsibility to remove accout which is not mine. 
Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FCBA, FCRA, and other federal statutes. I look forward to a timely and amicable resolution to this matter.

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 2018-03-06
Company: EQUIFAX, INC.
State: LA
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:
Credit Reporting company is reporting inaccurate information on my credit report and I have disputed the information and all that they keep informing me is that they provided the information to the company ( XXXX XXXX ) and waiting to hear back. My account with XXXX XXXX was paid in full from a insurance claim from XXXX XXXX. XXXX XXXX received the settlement check from XXXX XXXX and signed over the title to the vehicle to XXXX XXXX XXXX. Now that everything has been paid out and XXXX XXXX has owner ship of my vehicle, XXXX said that I have accrued finance charges on my account that is still open. I explained to XXXX that this is incorrect because my vehicle was paid in full by XXXX XXXX, you received the settlement check from XXXX XXXX and signed over the title to XXXX XXXX. XXXX does not even own ownership to my vehicle any longer XXXX XXXX owns it due to a insurance settle from total loss of vehicle. Please see attached documents from XXXX XXXX and a paid in full letter from XXXX. All that I want is XXXX XXXX removed off my credit report on all three credit beaus due to its reporting 120 days pass due and they no longer own my vehicle and I do not owe XXXX XXXX any money. XXXX XXXX XXXX paid XXXX XXXX  in full

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
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: Information belongs to someone else

Complaint:
Transunion is reporting I had a XXXX card. Please have them verify this information with a XXXX card. I have never had a XXXX  card in my name. The account is showing up only on my Transunion credit report only. The amount shown is XXXX account XXXX. I have never had an account in my name with a XXXX card. Please have Transunion personally verify my information showing the I had and I am responsible for the debt of the credit 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 2019-11-10
Company: American Collections Enterprise, Inc.
State: MD
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 with XXXX on XX/XX/XXXX regarding incorrect reporting by American Collections Enterprises for an outstanding debt of {$260.00} dating back to XX/XX/XXXX. This is the result of an outstanding medical bill from XXXX XXXX. I provided support stating there was an outstanding balance of {$190.00} which was paid directly to the company. A copy of the invoice, check and bank statement showing the check cleared was provided however on On XX/XX/XXXX, XXXX stated their investigation verified the debt. I called the original debtor and they stated they had received payment for the original debt. Therefore this should be removed from my credit report. 

I never heard nor received any information from American Collections Enterprises and XXXX XXXX should have notified them that they received payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, 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:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: BAM Management US Holdings Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
On XX/XX/2021 I deposited XXXX XXXX ( Worth roughly XXXX XXXX currently ) from my Trust Wallet into my Binance US exchange wallet. During this transaction I had a lapse in judgement and forgot XXXX and Binance XXXX require a special memo on top of the wallet address that differentiates the different customer wallets that the exchange is sending the XXXX to. Currently my XXXX is stuck in the exchange wallet waiting for customer support to retrieve it and place it in my personal wallet. 

I contacted customer support on XX/XX/2021 minutes after the mistake I made, but after 4 days of research and aggressively trying to get into contact with customer support via their website, XXXX accounts, XXXX accounts without any luck, I understand I will be waiting months if not longer to retrieve my funds from Binance US XXXX according to users who have experienced the same issue. That is a extremely long wait time and a large amount of money to not have access to. I hope we can come to a quick resolution. 

Binance XXXX ticket # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
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: Information belongs to someone else

Complaint:
This is not my account and i have advised experian and the company sent in documentation they took it off my report then put it back on there and it shows i paid {$1.00} which is not true

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 2018-03-06
Company: Army and Air Force Exchange Service
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX had closed an account for me on XX/XX/XXXX, however I don't recall ever having this debt. I supposedly owe {$65.00} but in the past I've been making payments, which has puzzled me. I was never contacted by email, mail, phone call, and to be honest I don't even remember using or making payments for this. I didn't have my first part time job until XX/XX/XXXX so I don't know how I was able to even open an account. I would like for this to be wiped from my credit history.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XXXX XXXXn XXXX  TransUnion XXXX  All 3 Credit Reporting agencies refuse to release any & full credit reports to XXXX XXXX XXXX in her requests by her name, DOB, SSN. All 3 Credit Reporting agencies will only provide to XXXX XXXX XXXX ; by her current address ; nothing else ; a strictly limited information. Infact all 3 credit reporting agencies ; contrary to federal laws ; inform Ms. XXXX they only do data release related of Ms. XXXX 's current and given address ; not by her name, DOB, SSN.

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 2020-05-21
Company: WELLS FARGO & COMPANY
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 status incorrect

Complaint:
I have two residential home loans with Wells Fargo Home Mortgage. Loan # XXXX which has now been converted to # XXXX and Loan # XXXX which has now been converted to # XXXX. 
Wells Fargo falsely reported derogatorily 5 late payments on my Credit Report for nearly 5 years! In XXXX, I began appealing in XXXX to Wells Fargo regarding this derogatory late payment reports to be removed from my credit reporting. In the letters attached from Wells Fargo representative XXXX XXXX, dated XX/XX/XXXX, representations were made that these derogatory remarks would be removed. 
Prior to this false late payment credit reporting by Wells Fargo, my FICO scores were in the low 800s and I had not had one single derogatory credit reporting in over 30 years! Since this false late payment credit reporting by Wells Fargo, my FICO scores have plummeted into the 600s! 
This false credit reporting by Wells Fargo caused me to be denied credit several times, be charged higher interest rates and I have been unable to refinance my home to a lower interest rate! 
XXXX XXXX XXXX XXXX XXXX Thursday, XX/XX/XXXX A federal judge has refused to throw out a lawsuit by borrowers who claim that their banks wrongfully notified credit reporting agencies that thousands of home owners had gone through bankruptcies or foreclosures. The judge said that Wells Fargo and XXXX will have to face accusations in court from borrowers who accuse the banks of allegedly providing inaccurate information to a credit reporting agency and jeopardizing consumers ' ability to get new loans. A spokesman for XXXX denied the allegations, and a spokesman for Wells Fargo had not yet responded to media calls for comment. The lawsuit, filed by borrowers, alleges reporting inaccuracies to credit-reporting agency XXXX  after borrowers sold their homes in a short sale. A group of mortgage customers from XXXX and Wells Fargo are accusing the banks of failing to report the transactions as short sales to XXXX  but instead reporting them as foreclosures or bankruptcies. They also allege in the lawsuit that the banks failed to correct the reports when they were disputed and that the inaccurate reporting greatly impacted borrowers ' credit scores. XXXX  was also named as a defendant in the lawsuit, accused by borrowers of failing to properly investigate when borrowers complained. 
Source : XXXX, Wells Lose Bid to End Lawsuit Over Credit Reports, 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 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Secllan 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions also have inquiries that do not belong to me. 

XXXX XXXX XXXX  Inquired on XX/XX/XXXX Transunion XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX/XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on 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 non-monetary relief