BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-01
Company: Experian Information Solutions Inc.
State: OH
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 contacting Experian multiple times over the phone to have the fraud alert removed from my credit file. I never seem to get anyone on the phone who speaks English well enough to understand so I have to disconnect. I have also tried countless times removing the fraud alert on line with no success. For this reason I have to file a complaint with CFPB against Experian for refusing to remove a fraud alert.I have included with this complaint copies of my drivers license, social security card and proof of residency. These required documents are sufficient to prove my identity to remove the fraud alert.

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 2019-09-16
Company: CNG HOLDINGS INC
State: FL
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:
Got a letter from XXXX XXXX XXXX , XXXX to collect on an account that I did not know even existed. Apparently a company called XXXX XXXX opened an account in my name sometime 2017 with stolen personal information and credit card. 

I sent a letter regarding more information as I suspect this a 100 % a ID/Credit theft but they did not give me any response. 

My credit reports all show a rating of excellent with an absolutely perfect history. XXXX XXXX or XXXX XXXX XXXX , XXXX has yet to give me any information or evidence on this money I owe. I have never shopped at XXXX in 2017 or any year for that matter nor did I have ever used a/ANY loan service at " XXXX. '' This is a ID/Credit scam they have gotten from me and I want to get this out of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: P.S.C., Inc
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There was a Notice and Demand for Payment opened XX/XX/2015 to recoup the exact value of the illegally collected debt in the amount of {$460.00}. It is accepted that Puget sound Collections, by not validating the alleged debt, are the illegal collectors of this debt and are personally liable for this amount of debt in this Notice and Demand for Payment. Though validation of this debt was attempted through mail, no validation occurred and the debt is being collected illegally.

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 2019-09-16
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/2019 I logged into my credit card online account and scheduled a single payment for XXXX dollars. Two listings in the scheduled payments queue appeared. Each listed scheduled payment as the ability to click on it individually and cancel it. I intended to cancel one of the two scheduled payments, with no explanation of why the two listings appeared after only one payment was scheduled in the first place. Both listings of the scheduled payments disappeared. This left me with no scheduled payments pending and I was left to again may a second attempt to enter a scheduled payment. Again two separate listings appeared, this account was rather new to me and I made the determination this must be how the website lists a payment schedule in its pending payments section so I tried to make no further attempts to fix this. I had faith only one payment would process and this is just a programing graphic glitch. The next day two payments processed to my original concerns. I called the credit card company immediately and was told that one of the two identical  payments would be refunded in 24 hours, Saturday. No refund appeared and I checked again on Monday with nothing having taken effect. I called again and was told the last agent I spoken to on Friday was very incorrect and it would take three weeks. I told the agent that was way too long to wait for US Bank to correct their programming error and get back my XXXX dollars. I was then told I can call my own bank to contact US Bank to expedite this, then I asked what information do I need to refer to my bank so they knew how to proceed. I was placed on hold for a long time and then told to forget that original set of instructions. That there was no need to contact my bank because that is not part of their internal processes. I would just have to wait three weeks as originally told before being placed on hold. I told them I wanted to cancel my card and make payments on the balance for the rest of the term that I had an introductory zero APR. I was told if I pursued canceling my credit card that my introductory zero APR would end. I complained that US Bank really made some huge mistakes beginning with their website and their process for fixing them. I was told if there was nothing else they were going to end the call on me. I am afraid to use my credit card online account because a double payment can happen the next time I schedule a 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 2020-05-18
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies these accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. USDOEXXXX XXXX {$48000.00} US DEP ED XXXX {$23000.00} US DEP ED XXXX {$2900.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX {$3800.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00}

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 2018-06-11
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was notified by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX that I owed money to XXXX XXXX XXXX ( no address known ). They started to garnishment out of my check in XX/XX/XXXX until XX/XX/XXXX. I have sent them numerous letters and proof I was XXXX in a XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and this debt could not be mine. they finally agreed but will nut refund almost {$1600.00} and still will not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: CAINE & WEINER COMPANY, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received notice from XXXX that this creditor reported a collection on my report. I dont know this company and they have never contacted me. It is against the law to report information to the bureaus without it being validated. I have never heard of this creditor nor have they ever contacted me. Without validating I have any business with them they are breaking the law and I dont owe them nothing. So they need to remove this debt from my report ASAP or Id like to file charges against them for reporting wrong information to a third party in an effort to discredit me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have attempted to regain access to my Coinbase account since XX/XX/XXXX XXXX. I have sent photo id drivers license, and opened account to find no money!! And a message that my portfolio could not be acessed. The phone number the give gives no access to live representive. Since XXXX i have spent hours to try to acess my account tickets prove to be a series off complicated lost of things to do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-16
Company: JPMORGAN CHASE & CO.
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Several years back my mortgage payment kept increasing when it was supposed to be a fixed loan, I ended up losing my house Because the mortgage company refused to work with me. After they asked for a set amount to pay to get us caught up, they ended up foreclosing on the home on XX/XX/2012. I contacted a company that I saw advertising on Tv that was supposed to help me avoid foreclosure where I had to pay XXXX down and they would take care of the rest, obviously when I tried to contact the mortgage company to see if they had spoke to this firm, they said they dont work with those types of companies and we was just put that money also. We asked the mortgage company what it would take to keep our house but they refused to take any amount we offered but they ended up selling at the auction for around 24k dollars or maybe it was a little less, either way we owed at least 3 times as much for the mortgage. I ended up filing bankruptcy in the end because they tried to stick me with the difference.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: SYNCHRONY FINANCIAL
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX report says : XXXX  on XX/XX/XXXX they gave me a hard inquiry into something i never asked for and this is staying on my credit report and hurting it. 

XXXX/XXXX on XX/XX/XXXX said they would soft inquiry and check if i was approved. and now it is a hard inquiry and i never even got a credit card from them. 



XXXX report says : XXXX XXXX XX/XX/XXXX gave me an hard inquiry for a " secured credit card ''. 
i had to pay them {$300.00} so they could give me a credit card worth {$300.00}. and this secured credit card doesnt actually give me credit since i prepaid this money. Anyone can get this type of credit card and a hard inquiry is not proper for this. 

XXXX XX/XX/XXXXgave me an hard inquiry for a " secured credit card ''. 
i had to pay them {$200.00} so they could give me a credit card worth {$200.00}. and this secured credit card doesnt actually give me credit since i prepaid this money. Anyone can get this type of credit card and a hard inquiry is not proper for this. 

XXXX XX/XX/XXXX they gave me a hard inquiry into something i never asked for and this is staying on my credit report and hurting it.

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 2021-05-04
Company: I.C. System, Inc.
State: VA
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 received a copy of my credit report and it shows company I C SYSTEM ( Original Creditor : XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1200.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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 2021-05-04
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:
There are 5 accounts on my credit report that are not mine I have not applied signed or used these accounts they are showing up on all three of my bureaus I have disputed these sinceXX/XX/XXXX but I have not heard anything back or seen a dispute opened I need these off my credit report asap!!! 


Account Name : XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX/XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX/XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX/XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX/XXXX XXXX  Account Number : XXXX Reason : This is not my account INQUIRIES Creditor Name : XXXX/XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX/XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6800.00}, {$1800.00}, {$33000.00}, {$12000.00}, {$16000.00}, {$12000.00}, {$1000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$33000.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 


-- PERSONAL ACCOUNT 5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$16000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account.

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 2023-03-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had been charged several times for overdraft fees when I put money back into it within a significant amount of time as well as money being taken out here and there that were not from myself

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 2019-09-16
Company: JPMORGAN CHASE & CO.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I am trying to get some resolution to an error I made by accidentally sending {$12000.00}. ( via my Bill Pay by XXXX XXXX  ) to an way old chase visa  card that I had years ago. So there is no record of this account with Chase. 

{$12000.00} ach transfer to chase visa XX/XX/XXXX at XXXX XXXX XXXX XXXX from XXXX XXXX  checking XXXX the cc account number used was XXXX, The reason for this email is to express my disappointment with your company 's ability to aid me. 
I have the information of the EHC transfer, but both phone lines of both parties are of limited aid. 
Can you aid?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: MONEY SOURCE, INC., THE
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We continue to get charged PMI on a monthly basis. We have called multiple times and paid additional dollars toward principle without any success. We even paid for an appraisal which was a waste of money as the lady spent 5 minutes at our home The latest request we owed XXXX on our mortgage and our original house purchase was XXXX. At this moment we requested the removal for pmi for the third time. We escalated and never heard back. In the meantime I paid another XXXX to reduce our balance to XXXX well below the 78 % automatic removal. Again in XXXX we were charged. They make this process difficult, tedious with lots of hoops. I feel like they have now wrk fully charged us over 800 dollars and we spent multiple Hours on the phone with TMS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: Bread Financial Holdings, Inc.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
There was a Notice and Demand for Payment opened XX/XX/2019 to recoup the exact value of the illegally collected debt in the amount of {$690.00}. It is accepted that XXXX Comenity Bank, by not validating the alleged debt, are the illegal collectors of this debt and are personally liable for this amount of debt in this Notice and Demand for Payment. Though validation of this debt was attempted through mail, no validation occurred and the debt is being collected illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
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:
Step 1 : What is this complaint about? A debt collection company called Wakefield and Associates in Colorado, is illegally reporting to credit bureau 's of old debts of mine originally purchased back in XXXX, stating that these collection accounts were opened in XXXX and XXXX when inquiries were sent to them as a result of me paying credit repair companies such as XXXX XXXX and XXXX to send them letters on my behalf. 

Step 2 : What type of problem are you having? My credit is in very poor condition as a result of the unlawful reporting of Wakefield and Associates.

Step 3 : What happened? I defaulted on Medical bills that were then purchased by a debt collection agency back in XXXX called Wakefield and Associates. There has never been a payment made toward any of these negative accounts which should have resulted in a charge off or the accounts being closed. They continue to falsely report dates these debts were purchased, as well as what I believe to be not only incorrect amounts, but also duplicate accounts as well. According to the Fair Credit Reporting Act, " Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than 7 years old, or bankruptcies that are more than 10 years old. '' In addition, the FCRA also states : " Consumer reporting agencies MUST correct or DELETE INACCURATE, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information MUST BE removed or corrected within 30 DAYS. However, a consumer reporting agency may continue to report information it has verified as accurate. '' The FCRA also says that, " You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court. '' That is exactly what they have done because the inquiry letters sent to Wakefield and Associates from XXXX XXXX   and XXXX does not entitle Wakefield and Associates to begin the collection process all the way over beginning in XXXX and XXXX due to inquiries by a 3rd party credit repair company, when they originally purchased those debts from XXXX XXXX  XXXX XXXX and XXXX XXXX  XXXX back in XXXX. This is outdated negative information that is well over 7 years old, and is now being illegally and inaccurately reported and needs to be deleted and removed immediately.

Step 4 : What company is this complaint about? Wakefield and Associates in Colorado.

Step 5 : Who are the people involved? Wakefield and Associates, XXXX XXXX XXXX XXXX, the 3 major credit reporting bureaus, XXXX, XXXX, XXXX, and of course myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: Bread Financial Holdings, 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 status incorrect

Complaint:
I have a credit card from COMENITYBANK/VICTORIA, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called COMENITYBANK/VICTORIA and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30/60 day. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX XXXX, and COMENITYBANK/VICTORIA with no successful resolution. XXXX XXXX and XXXX reporting me 30 days late in XX/XX/XXXX and XX/XX/XXXX. There was an error on their part. I was never 30/60 days late.

Company response to consumer: Closed with explanation