BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-17
Company: DISCOVER BANK
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent an Accord & Satisfaction notice ( XX/XX/XXXX ) with a settlement offer for a charge off account with Discover Bank from XXXX ( {$1200.00} past due ). It was sent via certified mail & gave Discover Bank ample time opportunity to decline. They did not, I later sent a restrictive endorsement check for {$370.00} ( via certified mail on XX/XX/XXXX ) and reiterating the terms of agreement on the back of the check : " Upon endorsement and deposit of the check the creditor agreed to terms of Accord and Satisfaction : This payment will be to settle the debt in FULL on the account with a final one lump sum payment & will satisfy the account in full. Upon the receipt of this final payment the Discover Bank agrees to delete ALL negative reporting & no derogatory comments with be reported to XXXX, XXXX , & XXXX -The new credit reports to the above account will be Paid As Agreed - No further collections actions will continue on the charge off account '' They accepted the check but did not honor the terms of the agreement. Only the payment was reported to XXXX, XXXX, & XXXX. The rest of the agreement terms were disregarded. I plan to take legal action for defamation of character if this is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: Coinbase, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
My coinbase account has been locked for over eight months! I am unable to buy or sell my coins, and my account was locked for no apparent reason. I called customer service, emailed them, and they gave me a ticket number to which was pointless because they did not resolve anything. I even submitted a complaint to which they said my account would be enabled in 14 business days. It has been 30 days, and the buying and selling option is still disabled! It is outrageous. How can they be so irresponsible? My only explanation is that coinbase is a fraud, and I am alerting all of those around me to stay away from them and use other platforms.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: ERC
State: CA
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:
It is for a total of XXXX, which was originally from an allegation in XXXX. It was sent to collections and was removed under and agency called, XXXX XXXX ( officially on my credit report XX/XX/XXXX ). Then they transferred this claim to another collection agency after it was removed, enhanced recovery company. It is the same state and city, just different P.O. Boxes. Then they fraudulently are making it seem it it from recent incident and dinged my credit XX/XX/XXXX. They have been saying I havent made payments every month and reporting, there is no monthly payments I agree to and this is not from this year. This is XXXX. Then I report it to XXXX who closed it in days and says this collection agency is right. How is that true when dates are not accurate nor is this monthly payment it is trying to falsify and affecting my credit every month. I am outraged how poorly this was handled. This should be taken off my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am on a mortgage abatement program given the pandemic caused me a huge loss in employment income. My mortgage, however, IS in good standing but is coming up to the end of the abatement period. It has been renewed several times ( given XXXX  and XXXX like me are still not back to XXXX/XXXX are still closed ) but the mortgage holder ( Wells Fargo ) is CONSTANTLY calling me and during evening hours on weekends with some of the callers being condescending and threatening and some just annoying. The issue is that my date of expiration of the program has not yet arrived and they are already constantly calling me badgering me. I'm sick and tired of this - I'm not in foreclosure, I've never defaulted on my mortgage, and there is no reason for all this badgering. I want this badgering stopped. Evening and weekends? REALLY? I'm not even in default and again, due date/expiration date is several weeks away. Wells Fargo needs to settle down - they're not broke and harassing good payers like me just stop ... especially given the challenges people like me have right now given the pandemic.

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: KINGS CREDIT SERVICES
State: CA
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  has been non-compliant with removing the unverified account KINGS CREDIT SERVICES Date opened XX/XX/2018 which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that KINGS CREDIT SERVICES was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please find my correspondence dated XX/XX/2021 attached hereto responding to your correspondence dated XX/XX/2021. Also a billing statement I received from Merchants ' Credit Guide Company exposing private medical procedure information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22
Company: Diversified Consultants, Inc.
State: CA
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 has been non-compliant with removing the unverified account DIVERSIFIED CONSULTANTS INC Opened Date XX/XX/2018 which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that DIVERSIFIED CONSULTANTS INC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22
Company: Waypoint Resource Group, LLC
State: CA
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  has been non-compliant with removing the unverified account WAYRESGRP Opened Date XX/XX/2018 which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that WAYRESGRP was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have pulled my credit report from all three credit companies. XXXX  XXXX, XXXX  XXXX, XXXX XXXX ( XX/XX/2020 ). These credit scores came from Annual credit Report Request Services. In getting a mortgage for a home ( FICO ) USAA credit pulled ( Annual Credit Report Request Service ), XXXX XXXX, XXXX  XXXX, XXXX  XXXX ( XX/XX/2020 ). It's being report on my FICO credit report serious delinquency. The information from my credit report doesn't report serious delinquency so, where is the FICO score getting their information. I am a XXXX retire veteran who is concern. USAA and others gives you know dispute process or any understanding of why the scores are so different. In, fact, I have never been late before are during my chapter XXXX. I only filed Chapter XXXX because, of my divorce that landed me in jail in which, I was acquitted, and the Maryland supreme court overturned. I have personal credit with USAA and I have never been late on any payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22
Company: Paypal Holdings, Inc
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
Unauthorized charges arbitrarily and repeatedly have been made by the XXXX  company to my accounts. XX/XX/2018 is the most recent unauthorized charge. Affected accounts are listed below : XXXX XXXX Credit Card XX/XX/18. XXXX. N.Y. {$41.00} XXXX XXXX has indicated the charge will be removed and the XXXX company will be blocked from access to my account.

XXXX XXXX Credit Card XX/XX/18. XXXX. XXXX. N.Y. {$41.00} XXXX XXXX provided to my account in the amount of {$41.00}.

XXXX XXXX XXXX XXXX XXXX Checking Account XX/XX/18. XXXX. XXXX. N.Y. {$30.00} XX/XX/18. XXXX. XXXX. N.Y. {$50.00} XX/XX/18. XXXX. XXXX. N.Y. {$10.00} XX/XX/18. XXXX. XXXX. N.Y. {$30.00} XX/XX/18. XXXX. XXXX. N.Y. {$40.00} XX/XX/18. XXXX. XXXX. N.Y. {$60.00} XX/XX/18. XXXX. XXXX. N.Y. {$40.00} XX/XX/18. XXXX. XXXX. N.Y. {$40.00} XXXX XXXX XXXX XXXX XXXX resolved my dispute of these unauthorized charges by providing the appropriate credit for the charges and applicable interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22
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:
I have been sending letters to Experian for months now and I have repeated myself over and over again. I am extremely concerned about the actions Experian is having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I do not own XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX, Chapter XXXX Bankruptcy Discharged XXXX-XXXX-XX/XX/XXXX-VER-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 explanation
Consumer complaint received 2018-12-22
Company: EQUIFAX, 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:
I have been sending letters to Equifax for months now and I have repeated myself over and over again. I am extremely concerned about the actions Equifax is having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I do not own XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX/XXXX XXXX, XXXX   XXXX XXXX, Chapter XXXX Bankruptcy Discharged XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: SUNTRUST BANKS, INC.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Suntrust has unreasonably frozen both my business checking account and my personal checking account. I opened my personal checking account a couple of months ago and have maintained a {$500.00} balance for the past month. The account still holds a {$500.00} balance that is unreasonably frozen. My business checking account was opened on XX/XX/XXXX and received a {$300.00} credit on XX/XX/XXXX. The account was inexplicably frozen last week and I'm not given any information as to why. 

I called Suntrust twice on Friday, XX/XX/XXXX. The first time, I was told that my accounts had been frozen and that I'd need to go into a branch and that was all the info they could provide me. The second time, I was told a similar thing but that the office that handles the issues was closed for the afternoon and so I should call back on Monday. I called back on Monday, XX/XX/XXXX and, again, I was told that I'd need to go in a branch and no information could be provided to me over the phone. 

I am currently in Texas and do not have the opportunity to go into a branch. The nearest branch is an 8 hour drive away. I need both accounts to be unfrozen so that I can access these funds.

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 2021-07-17
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: Investigation took more than 30 days

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been sending letters to Equifax for months now and I have repeated myself over and over again. I am extremely concerned about the actions Equifax is having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I do not own XXXX  XXXX, XXXX XXXX, Chapter XXXX Bankruptcy Dismissed XXXX-XXXX-XX/XX/14

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I filed for Bankruptcy XX/XX/2018 and went on to all three credit bureaus to make sure debts were showing such and if they didnt I disputed them and asked the bureaus to please update or delete the account. All creditors were notified by the US Bankruptcy court XXXX and XXXX did their part and either updated or deleted where Equifax has given me the hardest time getting this one account of my credit report and I disputed it three times since doing the bankruptcy as the confirmed the account that has be included in the bankruptcy and I told the creditor and Equifax on numerous times they are violating the us bankruptcy act but not updating the account to show XXXX balance and included in bankruptcy along with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Colorado XXXX-XXXX  on account # XXXX original creditor American Physicians who already had taken their file off my three reports but this collection agency refuses even after numerous calls to them. Equifax is all refusing and aftr three disputes and I saying that I was filing a Dispute with your agency they want my ID and social security card to make things more hard on me. After completing the last investigation and threats of me filing this dispute items that were removed where put back on my credit file which were included in bankruptcy tonight the added then back down to drop my credit score 128 points in retaliation knowing they were included in bankruptcy under XXXX XXXX. They violating Fair credit reporting act and should be held accountable

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
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 has had the wrong information reporting on my credit report for since 2017. They are reporting that the same loan was charged off twice, once each year. In fact, the company was paid in full and still reported this on my report. They harassed me at my place of employment by showing up and made a big scene in front of my HR supervisor at XXXX XXXX XXXX XXXX in XXXX CA at XXXX XXXX XXXX. 

Please remove the negative account for breaking the law of fair debt collection practices and contacting my work and harassing me and also false reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: BB&T CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
When my ex-husband left me ; he left the BB & T account in a negative balance. At the time I had no access to the account. I was only a signer. I had my own personal account at the time. I received notification that my personal account would be drafted unless the account that my husband used was paid off. I immediately took head and begin to pay this account off. I paid {$20.00} a week for almost a year to get it cleared up. I took care of the account ; paid it off in hopes that everything that needed to be done with this account was clear. I managed to keep my personal account in tact. 
Early XX/XX/2018, I tried to open up a new account ; I couldn't open it because of this old account. The reason was that this account was closed and charged off by the contributor, in whole or part and or account abuse. 

This is the primary reason why I can not open a new account. I filed a dispute in XX/XX/XXXX, it was updated as paid BUT the reason did not change. After explaining this to BB & T and potential banks ; THEY STILL have not updated it correctly. I feel at this time ; this negative should be removed my consumer report ( XXXX   XXXX XXXX and XXXX XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: EQUIFAX, INC.
State: CA
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:
Hi. I have disputed an authorized user account with Equifax credit reporting agency asking them to remove that account from my credit. And Equifax says that they can not remove an authorized user account from my credit file. The authorized account that shows in my credit report does not belong to me. Besides that there is a law in FCRA that says the authorized user accounts do not have to be reported in to consumers credit files. And Equifax do not cares about any federal laws. They just say " we have our own policy about our own company and we will do everything the way we think is good to do ''. 
They just refuse to remove an authorized user account from my credit report. It has been months I am asking Equifax to remove the account from my credit file. I have disputed that account for 3 times. I am sick and tired of disputing it. No changes so far. The authorized user account still reports in my credit file and it DOES NOT BELONG TO ME. 
Equifax is violating the FCRA law. 
XXXX  and XXXX XXXX have verified and removed that account from my credit file. 
But Equifax ... 
Please HELP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-05
Company: National Credit Adjusters, LLC
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/ 2015 they reported to XXXX  again every 2 mths waa a fraud case but XXXX does not see it that way police report and ftc was given to them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
Company stating that they wrote {$640.00} off of the loan. This is untrue as I paid the entire amount in full. I have disputed this twice and Wells Fargo dealer services has refused to update with the correct information.

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 monetary relief