BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX Equifax data does n't match so all credit apps are given false info and I cant get an accurate report cause the reports are incorrect.I cant dispute cause I cant obtain report Im authorizing my attorney to obtain my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with CB/VICSCRT and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX and CB/VICSCRT and XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: GOLDMAN SACHS BANK USA
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I made a transfer from Goldman Sachs USA and the receiving banking institution claims they never received it yet the banking receipt shows it was received

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: R.M. Galicia, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}, {$4300.00}, {$1600.00}, {$4500.00}, {$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 on XX/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. 

-- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 


-- CLOSED ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: ENOVA INTERNATIONAL, INC.
State: OH
Product: Payday loan
Issue: Can't contact lender

Complaint:
XXXX XXXX XXXX at XXXX, XXXX XXXX, calls claiming to represent Cashnet. I have not received written documentation from this company, only a verbal claim that they represent CashNet USA. 

Even worse, this man called my son on his cell phone! My son is in no way connected to this situation. Yet this man threatened him with legal action, garnishment thru his employer and more. 

Is a debt collector permitted to call any number he so chooses??? 

Please also note that I have contacted CashnetUSA a number of times over several months asking for written documentation as to whom represents them. I have not rec ; d anything. 

Is it not my right to know whom I should pay?

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 2020-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have paid off several debts on my credit they have not been removed, old information keeps appearing. I will post a copy of my credit report with receipts showing that they where paid in full yet they keep appearing Paid in full yet won't remove XXXX XXXX All federal student loans XXXX paid in full XXXX XXXX XXXX XXXX XXXX XXXX loans paid in full founder 's federal credit XXXX paid in full through 3 part  collections XXXX My public health information keeps appearing which I paid yet is also a violation to my hippa rights this needs to be removed

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 2020-08-09
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My account XXXX There's {$150.00} in it.I need to withdraw money. My account has been more than 180 days since the last payment, but there are still some restrictions that prevent me from withdrawing money.When I withdraw my money Tip : Sorry, something is wrong. Please try again later. Please help me deal with it, thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-09
Company: Seterus, Inc.
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
As of XXXX XXXX Seterus, Inc. purchased my mortgage from XXXX. I have never missed a payment or even been late making a payment. XXXX, XXXX I received a statement from Seterus stating that a payment was not due in XXXX, XXXX. I called them and ask if they were sure this was correct. They assured me I would not get into trouble I could skip the month of XXXX. Great news I could buy XXXX for my entire family and pay my taxes. Last SaturdayXXXX XXXX, XXXX I receive a letter stating I am in default and owe {$610.00}. I called the company XXXX. This girl and I went round and round. She said I had n't made a payment for XXXX. Isaid I am looking at the statement-it cleared XXXX XXXX and that I had mailed a payment for XXXX on XXXX XXXX. They had not received it at that time. The girl said wait just a minute which turned into 30 minutes. She came back on the line and said that Seterus had applied someone else 's payment to my account in XXXX and so told me I did not have to pay, but they found the mistake and now I must pay it and she was going to let me speak to her supervisor because it was n't my fault. So XXXX XXXX, supervisor, got on the line. I was so angry. I understand mistakes happen, but I am XXXX years old, retired on Social Security and XXXX small pensions and have no extra money. I told XXXX XXXX this and he agreed that I could pay {$50.00} extra a month until it is caught up ( more when I do n't have to pay gas bill ). He said if anyone gave me trouble to talk to him. So yesterday I receive two statements from Seterus one due XXXX XXXX for {$1200.00} and one due XXXX XXXX for {$1800.00}, so they are tacking on penalties and interest. Can they do this to me? They have 3 locations Physical address in XXXX, OR, payment address in XXXX XXXX, and correspondence in XXXX, CT. Thank you for any assistance you can give. My name is XXXX XXXX and the loan number is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-09
Company: CarMax, Inc.
State: NC
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 have paid off several debts on my credit they have not been removed, old information keeps appearing. I will post a copy of my credit report with receipts showing that they where paid in full yet they keep appearing Paid in full yet won't remove XXXX XXXX All federal student loans Carmax paid in full XXXX XXXX XXXX XXXX XXXX XXXX loans paid in full XXXX  's XXXX  XXXX XXXX paid in full through 3 part  collections XXXX My public health information keeps appearing which I paid yet is also a violation to my hippa rights this needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The company sent a letter stating they were stopping all collections on this account and it has been deleted from XXXX and XXXX but experian will not delete the account falter submission of the letter from the creditor and proof that it has been deleted from the other credit bureaus. Also submitted proof that other collections accounts have been deleted from my XXXX and XXXX reports but experian still has them on my report which is keeping my score 50+ points below what the other reporting agencies have. Ive submitted this prof in a dispute To experian and theres still no Change

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 2015-07-22
Company: WELLS FARGO & COMPANY
State: SC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
On XXXX XXXX, 2015 I responded to a letter from Wells Fargo offering XXXX a line of credit, inquiring as to what I could be approved for and at what rate ; an audio recording of that call, provided by Wells Fargo, is attached to this email as well as a transcript of relevant dialogue below. In short, I only wanted to know what rates would be available to me and made very clear that I did not agree to take on any line. After this conversation Wells Fargo began sending me information in the mail about my " new line of credit and credit card ''. I contacted them and told them I never wanted this line, that I did not agree to take on this line, and that I needed it closed as they opened it in error. After nearly XXXX months of communication with them they stated that this very call is the call where they feel I " verbally agreed '' to take on the note, they then said they would close the line noting it as " closed by customer request. '' I have told them this solution is unacceptable and they have not resolved it any further. Now it appears on my XXXX credit report that I opened and closed a line of credit, which as you know, looks bad XXXX. 

As you will hear in this call, I never agreed to take on a line of credit XXXX and want this line expunged from my record. There should be no record on my XXXX credit report that I opened and closed a line ; Wells Fargo opened a line in my XXXX name fraudulently and I want it removed and noted as fraud so as to keep my XXXX credit record clean. 

Thank you so much.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26
Company: Radius Global Solutions LLC
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I settled with a debt collector regarding a medical debt totaling {$1800.00}. We agreed I would pay {$1200.00} which I did on XX/XX/2020. The debt collector was XXXX XXXX XXXX and the gentleman offering the settlement was named XXXX XXXX, phone number XXXX. 
I recently rec 'd a letter from a different debt collector, Radius Global Solutions, stating I owe the difference of {$540.00}. I do not. I've attempted to contact XXXX  by phone and no one answers, I tried chat.. no one answers. I've called the original creditor , XXXX XXXX XXXX, who can see that a debt settlement was reached in 2020, but would not help any further with the debt collector.

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 2022-01-26
Company: EQUIFAX, INC.
State: MA
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 CRAs/XXXX/Equifax ; XXXX ; Please see the attachments for detail. I was reviewing my credit report today with my family & noticed all those accounts below still reporting on my credit report as-is. Therefore, its telling me that you never conducted a truthfully investigation with your organization but however you continue to send me random pre-printed templates responses. Those items below continue to report with multiple inaccuracies and violations and they are incomplete and therefore unverifiable. 
Still continue to report multiple inaccuracies, incomplete, & unverifiable info! Different dates of XXXX, XXXX, XXXX, questionable balance, and inconsistent payment history and payment status. Delete for still multiple inaccuracies. DELETE!!! 

XXXX XXXX XXXX XXXX XXXX inaccuracies, DELETE! 
XXXX  XXXXXXXX XXXX XXXXXXXX inaccuracies, DELETE! 
XXXX XXXX XXXXXXXX inaccuracies, DELETE! 
XXXX XXXX XXXX XXXX # XXXX inaccuracies, DELETE! 
XXXX XXXX XXXX XXXXXXXX inaccuracies, DELETE! 
XXXX XXXX XXXX XXXX # XXXX inaccuracies, DELETE! 
XXXX XXXX XXXX  XXXX inaccuracies, DELETE! 
XXXX XXXXXXXX XXXX XXXXXXXX inaccuracies, DELETE! 


I was also reading some new findings from cfpb about your level of investigation. And I quoted " CFPB Released a recent report detailing deficiencies of the XXXX major credit reporting agencies : Equifax, XXXX, and XXXX relied heavily on template complaint responses instead of providing meaningful and thorough responses to consumers, despite having up to 60 calendar days to respond. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: Harris & Harris, Ltd.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Harris & Harris Debt Collection Agency calls my home number nearly on a daily basis and has been for several months. My credit is in perfect standing. At first I assumed it was a mistake, but I continue to have robo messages left on my answering machine and asking me ( only using the word you, not my name specifically ) to  call them. First off, it 's difficult for me to take a business seriously who is trying to collect a debt using an automated call. Second, in light of my 1st statement, how do I know this is n't a deception by a criminal attempting to dupe me into giving out my hard earned money. Lastly, I 'm looked at as a tier 1 borrower and all my lenders are in good standing and if Harris & Harris is a legitimate business they need to quit harassing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Based in XXXX, I have had an account with coinbase, I have used it to purchase cryptocurrency up to now. 
About three weeks ago the account blocked me from trading, buying or selling bitcoin and ether, it erased my payment methods saying that I need to add another credit debit card but it wont allow me to add a card. ( Tried all three of my cards ) I have tried many times to contact them and written to coinbase via their customer service but it just goes around and around in circles. 
I have over {$6000.00} US dollars stuck in a portfolio in this account, my life savings and I really dont know what to do. 
I have another XXXX account that works perfectly without issue. 
Please can someone help me to retrieve my funds blocked in my coinbase portfollio

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-26
Company: Experian Information Solutions Inc.
State: MA
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 CRAs/XXXX ; Experian ; Please see the attachments for detail. I was reviewing my credit report today with my family & noticed all those accounts below still reporting on my credit report as-is. Therefore, its telling me that you never conducted a truthfully investigation with your organization but however you continue to send me random pre-printed templates responses. Those items below continue to report with multiple inaccuracies and violations and they are incomplete and therefore unverifiable. 
Still continue to report multiple inaccuracies, incomplete, & unverifiable info! Different dates of XXXX, XXXX, XXXX, questionable balance, and inconsistent payment history and payment status. Delete for still multiple inaccuracies. DELETE!!! 

XXXX XXXX XXXX XXXX XXXXMultiple inaccuracies, DELETE! 
XXXX XXXX XXXX XXXXMultiple inaccuracies, DELETE! 
XXXX XXXX XXXXMultiple inaccuracies, DELETE! 
XXXX XXXX XXXX XXXX # XXXXMultiple inaccuracies, DELETE! 
XXXX XXXX # XXXXMultiple inaccuracies, DELETE! 
XXXX XXXX XXXX XXXX # XXXXMultiple inaccuracies, DELETE! 
XXXX XXXX # XXXXMultiple inaccuracies, DELETE! 
XXXX XXXX # XXXXMultiple inaccuracies, DELETE! 


I was also reading some new findings from cfpb about your level of investigation. And I quoted " CFPB Released a recent report detailing deficiencies of the 3 major credit reporting agencies : XXXX, Experian, and XXXX relied heavily on template complaint responses instead of providing meaningful and thorough responses to consumers, despite having up to 60 calendar days to respond. ''

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 2022-07-20
Company: Blackhawk Network Holdings Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have a prepaid XXXX  Debit card from myprepaidcenter.com and issued by XXXX in the amount of {$75.00} which expired on XX/XX/22. I tried to use the card and was not able to due the expiration. I called the company and was told those funds are lost and can not be re-issued.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-07
Company: Credit Associates, Inc. (MO)
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I sent 31 requests for validation of collection accounts to Credit Associates Inc. by USPS Certified Mail. I have the mail receipts and the USPS tracking verification that all 31 letters were received by Credit Associates Inc at their mailing address on XX/XX/XXXX. As of XX/XX/XXXX, Credit Associates Inc has not responded to any of the my written requests for account validation and for proof that they have authority or right to collect the debt for the original creditors, and also that they are legally authorized and licensed to collect debts in the state of Washington. Additionally, of the 31 accounts I requested validation for, they did not update 10 of the accounts to disputed status with the credit bureaus within 30 days as required by law.
By not responding to my letters within 30 days of receipt they are guilty of 10 separate violations of FDCPA Section 807 ( 8 ) ( they did not update 10 of the accounts to dispute status within 30 days of receiving the validation letters ), 26 separate violations of FDCPA Section 805 ( c ) ( 5 of the accounts were previously paid by me to try to avoid negative credit ) and 26 separate violations of 809 ( b ) for continuing to try to collect a debt that has not been validated after receiving a validation request.

Company response to consumer: Closed with explanation