BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 disputed several inaccurate accounts from my report to the credit bureaus but they aren't neither answering nor taking action, after 30 days of waiting for nothing, i disputed again my accounts.

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 2018-12-22
Company: Experian Information Solutions Inc.
State: OR
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:
Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap XXXX  XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX ( Original Creditor : XXXX XXXX   XXXX XXXX ) XXXX, XXXX  ( Original Creditor : MEDICAL  ) XXXX, XXXX  ( Original Creditor : MEDICAL ) XXXX, XXXX  ( Original Creditor : MEDICAL  ) XXXX, XXXX XXXX  ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX  XXXX ( Original Creditor : 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 non-monetary relief
Consumer complaint received 2023-10-03
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Citi XXXX XXXX XXXX : XXXX. 

This is XXXX XXXX and I opened a Citi Checking and Savings Account on XXXX of XXXX tried adding Funds on XXXX of XXXX Via XXXX {$5000.00} and {$25.00} ACH total {$5000.00} as my balance was {$0.00} so i can start using my account. 

And on the same day I initiated a credit card payment from XXXX credit card on the XXXX of XXXX and later on that day i could not access my online account. 

So I called Citi Bank to inquire and I was told that Citi is closing my account with no further explanation given. 

This has resulted in a return check for my credit card payment and resulted in a negative impression.

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 2023-05-08
Company: WELLS FARGO & COMPANY
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was harassed with fees non stop

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 2023-04-25
Company: Advantage Credit, 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: Their investigation did not fix an error on your report

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to dispute all negative reports on my credit report. I understand that the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) requires that any information reported about me must be accurate and complete. 
I have reviewed my credit report and found several inaccurate and incomplete reports. I am requesting that you investigate and remove these negative reports from my credit report. 
I have provided the following information to support my dispute : 1. XXXX XXXX XXXX, this has been paid off and resolved. 
2. Hard Inquiry of XXXX XXXX XXXX on XX/XX/2021, there was a double pull on my XXXX Credit Report. 
3. Hard Inquiry of Advantage Credit Inc, on XX/XX/2021, there was a double pull on my XXXX Credit Report. 

In accordance with 15 U.S.C. 1681, I am requesting that you investigate my dispute and remove these negative reports from my credit report. Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: ACIMA CREDIT, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX  Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: Ascendium Education Group
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I, XXXX XXXX XXXX, is submitting this complaint myself and no third party is involved. 
Pursuant to 31 USC 3718, " Under conditions the head of an executive, judicial, or legislative agency considers appropriate, the head of the agency may enter into a contract with a person for collection service to recover indebtedness owed, or to locate or recover assets of, the United States Government. The head of an agency may not enter into a contract under the preceding sentence to locate or recover assets of the United States held by a State government or financial institution unless that agency has established procedures approved by the Secretary of the Treasury to identify and recover such assets. '' and as such, I have yet to receive lawful proof from ASCENDIUM EDUCATION XXXX that approval to collect on the alleged debt was granted in accordance to the UNITED STATES code listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: TrueAccord Corp.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, I have received a notice from True Accord about making amends to a debt that was previously established by me. The account is reporting negatively on my credit. I was offered a settlement through email and given 6 months to make payments. I want to make an offer which is greater then what they offered me in a single payment. I am requesting a payment for deletion. I have sent emails as well as the company that is assisting me with the ordeal .... its been over a month and no one is getting back to us. I have spoke to someone via email name XXXX and XXXX. Again, I would like to pay the account but no one is getting back to me and the account is still reporting negatively on my credit. The account number is XXXX I am reaching out to you in hopes that you have another way to reach someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have submitted a dispute over a transaction back in XX/XX/2018 in regards to a transaction appearing as XXXX XXXX XXXX. This is an online merchant gaming website. There was several issues with the use of there website, I have supplied screenshots of the errors. I have also supplied sufficient documentation regarding the reason for dispute as well including a statement from me why this transaction should be disputed. I have also sent many messages to Capital One between me and the merchant. I have supplied Capital One with ALL needed docs to process this dispute request. I have never been able to resolve this issue with the merchant nor Capital One. I have also made a request to have this dispute re-opened by a manager and he stated he will do it. Well shortly after I received a call from Capital One stating they had to close the dispute. This was not handled right at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-14
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I been banking with BBVA for a few months and they wonderful for the most part. I have tried to take out personal loan, refinance my car as well as signature loan and have been refused in all areas. Im also going thru hardship especially mentally the VA has diagnosed my person having XXXX and XXXX. Im with a law firm that has ensured that the 20 plus years the military and VA have intentionally under diagnosed and not treated many of my health issues till this day but justice and fairness will prevail. I am plagued by years of medical bills and my ability to manage my finances tend to suffer. I have lots XXXX in thinking there alwsys better options and not trusting others are acting in my best interest after the fact which then makes me question them and myself and then seek better options. I feel when this banking offer for overdraft which I originally denied due being in a better mental state but now my XXXX was intense due to VA has delayed in providing my medical records to my law firm and it seems my finances were spinning out of control! I struggled but took my chances that everything will work out. This fees that accumulated during this 1st episode totaled to about {$970.00}. Now the 1st my deposit of XXXX was less than {$2000.00} and I paid what I could plus the automatic payments occurred then I was looking at deficit since I had other bills that couldnt be met. I went to taking chances to increase my funds since my bank wouldnt extend a loan but great at removing the funds from my account. The overdraft would cover a certain amount but each transaction would cost {$38.00} and if the amount is still in the negative after 7 days the bank will charge another {$28.00}. So an overdraft withdrawal of {$100.00} XXXX XXXX. Now if that amount isnt paid in full by 7 days later another XXXX is then added. In my state Im thinking next day the VA and my law firm will come up with a resolution and these fees will be no issue but unfortunately that not the case. I now feel I am being preyed on for their financial gain. The VA is already holding my meds and stopped my travel pay plus this ....

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-27
Company: DYNAMIC RECOVERY SERVICES, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2018, XXXX, someone called me on my cell phone whose name I couldn't catch. At first there was silence even though I said hello three times ; so I remained on the line without saying anything, then a female rapidly gave me her name and the name of her company, which I didn't catch, and asked me if I was -- -- -- -- --. At first, because there was so much chatter in the background as though it was a call center, I hesitated with my name confirmation and asked what the call was concerning. She said she couldn't tell me unless I confirmed that it was me. So I said " YOU called me and I am XXXX XXXX. So what is this about? '' She repeated she had to confirm that it was me, and in that moment I realized she was looking for personal information which I was not going to give over the phone ; so I told her that I wasn't going to give any more information so she could hang up. She said she couldn't do that, so I said " Well, I can. '' and hung up. 

About 5 minutes later, not knowing exactly WHO called me, I dialed XXXX to get more information regarding the identity and legitimacy of the company. A connection was made and immediately a recording informed me that the conversation would be recorded. Again, though the female which answered was different in voice, she was the same in manner and spoke rapidly asking if I was -- -- -- -- -- -. This time I sought a different approach and answered immediately that I was he and I informed her that someone called me 5 minutes ago and I inquired why. Again, she asked me if I was -- -- -- -- -- - and I said " I already said that I was. '' She said I can't tell you without confirmation ; yet she had also said that my number ( cell phone number ) had " come across her desk ''. So to me, my cell phone number is my identifying number and the number came up when I returned the call. Around in circles, so I told her that's okay and that I was hanging up but I will report her number to the proper authorities. She said fine and I hung up. When I got home a few hours later, I looked up the telephone number which led me to numerous complaints against XXXX XXXX XXXX. These are some examples : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-10-04
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not liable for this debt owed to XXXX for {$3100.00} ..I did not sign a contract with Jefferson capital system , there this is not my debt..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: BB&T CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I went into the branch on Tuesday XXXX/XXXX/XXXX at XXXX I went into the branch and spoke with XXXX XXXX at the XXXX XXXX branch. My account was negative {$540.00}. There were {$750.00} in over draft fees. The card should not have been authorized when it was declined. I did not opt into overdraft protection. Multiple transactions had gone through on the account over 30 items at {$36.00} per items. I had several account activity transactions summaries printed which showed that the debits were posted at midnight but the deposit posted at XXXX. I asked why the debits where posted prior to the deposit which would clearly cause me financial harm and financial harm to my employees he said the only person who could help me was the Assistant Vice President XXXX XXXX. He advised me to get a loan to help cover the fees, ask a friend or contact XXXX XXXX XXXX. He also suggested I apply for a line of credit with a guarantor. He proceeded to reverse one overdraft fee and again referred me to XXXX XXXX. I have called and left her several messages. She never calls me back, she is never there when I stop in. The account has been accruing {$18.00} per day while I try and contact the only person I was told can fix it. This is my business account attached to my EIN so I need to have this corrected. I was advised that I could not close or open one business account. I do n't understand why they will not help me. This is caused more financial hardship and the only advice I received was to get a loan which causes more financial distress. This all seems unethical. I am being avoided and eventually the account will charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
The issue is happen in XXXX XXXX, 2017. I am a foreign people who are using the Coinbase service to purchase cryptocoins. I can able to purchase and sell coins before XXXX. However, the policy changes on XXXX without any notification. I am required to provide a SSN in order to sell ( or buy ) the coins. Since I am not holding any SSN and coinbase does not inform about the SSN issue, all of my money in coinbase in locked ( around {$3000.00} USD, all of my fund are come from my parent as a gift ). I can not able to withdraw and input any dollar inside, and they are holding all of my coins. If coinbase needs to modify their policy, they should first notice to the customers first or they should n't give a open account to foreign people. I am asking to temporary open buy/sell platform for 7 days in order to sell all of my cryptocoins. Otherwise, coinbase is taking my property using cryptocoins

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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:
on XXXX i sent this credit bureau a dispute letter concerning the validity of accounts that were inaccurately reported on my credit report. To this date they failed to validate the dispute accounts. the disputed accounts are invalidated and inaccurate, if they cant prove me or show me a method of verification, these accounts need to be removed off my credit immediately. I am very stressed about the situation and i take my credit very seriously. this is a defamation of character and i want them to take action now by simply delete these accounts.

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 2019-08-14
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My wife tried to pay Comenity Bank on time on XX/XX/2019. Customer Service and the supervisor made it clear that she is not allowed to pay them in my behalf. They refused an extension of due date, since I am in the hospital and am forcing me another item on my credit report, late fee, to include the feel of harassment of trying every way possible to get them their money. A check as well as the attached letter is being ailed ot Comenity Bank, tonight. My wife is a XXXX  and a XXXX veteran. 

This is the second complaint to you in less tan two months. Comenity has been bashing our credit and reports. 

Let me know f the letter I sent to Comenity attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-05
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
XXXX XXXX ask them to verify debit and amount and the company was disrespectful and will not remove the negative account from my report which reflects a bad imagine on me that goes of defamation of character.

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 2018-04-23
Company: ACIMA CREDIT, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX18 I received a report from XXXX XXXX that fraud activity was showing up on my XXXX  credit report. Upon further investigation, Acima Credit was contacted my myself and they denied any info in my name or SS #. I printed a credit report from XXXX  and found that XXXX XXXX XXXX in XXXX FL made an UNAUTHORIZED inquiry of my credit report on behalf of ACIMA Credit. I called the police to make a identity theft fraud report to send to XXXX  to back up my claim. Acima was NO help at all!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Equifax had my old address, which I then initiated to change on XX/XX/XXXX. I then get an email from Equifax saying that it was resolved onXX/XX/XXXX. However, they changed my address incorrectly, but I do n't even know what they changed it too. Whenever I now try to initiate them to relook at it, they can not look me up in their system because the address i give them does not match their records -- but i do n't know what it is. I have no way of knowing what they put in place so now I am stuck. I am trying to get a home loan from my bank and the bank can not access my credit score because of this XXXX issue. It is very frustrating and now I am stuck in an endless loop -- i have to guess what they actually put in as my address but i have literally have no way of knowing. I only have a confirmation code, which is XXXX. Why is n't this enough to locate me???

Company response to consumer: Closed with explanation