BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-23
Company: Universal Fidelity LP
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Reviewer, All the sudden I started receiving letters from XXXX XXXX ( a/k/a XXXX  XXXX XXXX ) claiming I owe them {$33.00} for some coin that they supposedly sent to me, and more importantly something I did not receive, and i never ordered. I called them and informed them that I have no idea what coin they are talking about, and I never ordered such item. I asked them to provide me " PROOF '' that I ordered such item, but I never received such prove. Next, I 'm receiving the attached collection letters from XXXX XXXX XXXX ( corp. attorney ) for Universal Fidelity LP. I called this Universal Fidelity LP disputing the alleged debt, and the representative on the phone said we will notify their client and get back to me, but i never heard back from them and all the sudden they seem to sell this improper debt to another collection agency. Also he said the collection efforts will continue and maybe reported it to my credit report ( basically threatening me to pay ). At this point, I was self assured that this is a pure SCAM to force citizens like myself to pay this amount, and the sad part some people will probably pay it, simply to not deal with it. But not me, I will inform the proper authority to investigate this SCAM and fraudulent practices. Again, I never ordered any coins, and never received such coins alleged here. This company and agency are purely motivated to collect fraudulent alleged debt without any legal ground and proof of such debt. Furthermore, when I did a simple search on XXXX XXXX XXXX, there are hundreds and hundreds of complains and scam scheme reviews with hundred of victims defrauded by these companies. I respectfully ask the consumer financial protection bureau, and any other applicable authority by law to investigate these wrong doings and fraudulent practices by The XXXX XXXX, and XXXX XXXX XXXX ( corp. attorney ) for Universal Fidelity LP to force people pay for products that they never ordered, and threaten them to be reported on their credit report. I have attached the Letters I received from XXXX XXXX XXXX ( corp. attorney ) for Universal Fidelity LP. Thank you for your attention to this matter Respectfully Yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Company: EQUIFAX, INC.
State: NC
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 previously submitted a complaint against XXXX XXXX XXXX XXXX located at XXXX XXXX, XXXX, OH XXXX for incorrectly reporting an account that was included in my bankruptcy as a charged off account. The president of the company wrote back to the CFPB stating that my account had indeed been marked as included in bankruptcy even though he did not address the fact that his company would periodically change the remarks on the account and had not yet updated the reporting on Equifax and XXXX. I then submitted disputes to both agencies regarding this account because I had spoken to an XXXX XXXX employee about a month after the president sent the letter, and she told me that they were not going to reflect my account as part of the bankruptcy. I have had no contact with the company except to dispute mistakes on my credit report so this account should have fallen off my credit report XX/XX/XXXX ( seven year mark ). All other bankruptcy related accounts have already dropped off. But every time my XXXX XXXX changes the reporting on my account, the date of last activity changes, and the date of removal is pushed back another year. 
In one day, my credit score dropped almost 100 points for negative activity that occurred in XX/XX/XXXX. When they update my account, it makes it seem as if the negative activity occurred recently not in XX/XX/XXXX. This account is scheduled to remain until XX/XX/XXXX; I asked both agencies to remove it citing the bankruptcy, and they did not. All they did was update the account as included in bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was discriminated, racial profiling and not allowing access to my banking account at Wells Fargo three times. I am a XXXX-year-old XXXX XXXX, XXXX, XXXX citizen who has been banking with the same account for 31 years. 
I have no negative marks on my account such as overdraft and I have never in 31 years deposited a bad check into my account. 
On XX/XX/XXXX at approximately XXXX at the Wells Fargo Bank . I was discriminated against and racial profiled for the third time. I tried to do a simple deposit into my account and was denied access to do the deposit. I was told by the teller she would not do it because she did not feel comfortable with me depositing the check into my account! I then ask for her supervisor and she refused to do the deposit also. I had proper federal and state id and my bank card, but because of the color of my skin I was told three time they would not do the deposit. So, I took my deposit check and put it into the ATM and made the deposit. The ATM machine did not care what color my skin was it just needed my bank card and pin number. I filed a complaint with Wells Fargo customer complaint department a complaint for discriminating against me, racial profiling and not allowing a customer to do banking or have access to my account! 
I received a complaint number from there customer complaint department and was told they would investigate my complaint but they did noting. 
Finally. This is XXXX and as a XXXX man in XXXX I sill don't have the right to go into my bank and do business! My account is in good standing and on Monday XX/XX/XXXX a Wells Fargo bank rep. told me the policy for deposits are simple : State or Federal ID and account number and If they can not verify a check, they will still deposit it and just place a hold on it. I was denied my right to deposit my check into my account based on the color of my skin not because I did something wrong.

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 2020-04-21
Company: Flagstar Bank, N.A.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home in XX/XX/2020 and my new lender through a title company paid the previous lender ( Flagstar Bank ) in full on XX/XX/2020 via the " payoff '' amount that was provided by Flagstar. However, Flagstar has refused to payoff the mortgage citing they need to inspect my home before they will accept the payoff. They are no reporting me late to the credit bureaus and threatening me with foreclosure. They have given me documentation that shows they have my {$400000.00} payoff and they admit they received the funds via federal wire on XX/XX/2020 but they refuse to payoff the loan. 
Now according to the county recorder I have 2 mortgages because they won't process the payment and my credit scores are destroyed tumbling over 100 points, this is threatening my ability to borrow, my application for student loans have been rejected for my children and it could affect my employment.

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: Experian Information Solutions 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:
After reviewing my credit report, I discovered some items that were incorrectly reported. The XXXX has given me the authority to dispute and change information in my credit report that I believe is incorrect.

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 2022-06-11
Company: Experian Information Solutions Inc.
State: NY
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 have inquiries, i have no knowledge of. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-03
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: Their investigation did not fix an error on your report

Complaint:
Equifax, XXXX, and XXXX continue to report an unverified Account to my credit report and are in violation for NOT investigating this with the furnisher! XXXX is furnishing information that does NOT belong to me and are in violation of HIPPA laws for releasing personal information that is NOT mine! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: ATLANTIC COAST MORTGAGE, LLC
State: WV
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I closed on a home purchase XX/XX/2022. My wife and I were the only ones there to close with the attorney. Atlantic Coast Mortgage charged me {$18000.00} in " loan fees '' with a VA loan. I've never had to pay anything up front with a VA loan. When I asked for an explanation I was ignored. 

Atlantic Mortgage XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX  XXXX {$8900.00} XX/XX/XXXX this account is unknown to me. 
XXXX XXXX XXXXXXXX {$8900.00} XX/XX/XXXX this account is unknown to me. 
XXXX XXXX XXXX XXXX {$67.00} XX/XX/XXXX this account is unknown to me. 
XXXX {$67.00} XX/XX/XXXX, XXXXThis account is unknown to me. 

XXXX XXXX XX/XX/XXXX. This inquiry was not authorized by me. 
XXXX XXXX XX/XX/XXXX. This inquiry was not authorized by me. 
XXXX XX/XX/XXXX. This inquiry was not authoized by me XXXX XXXX XX/XX/XXXX. This inquiry was not authorized by me. 
US SM BUS ADMIN ODA XX/XX/XXXX. This inquiry was not authoized by me.

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 2022-06-11
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act DPT EDXXXX Account # XXXX, DPT EDXXXX Account # XXXX, DPT EDXXXX Account # XXXX, DPT EDXXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-06-11
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act DPT EDXXXX Account # XXXX, DPT ED/XXXX Account # XXXX, DPT ED/XXXX Account # XXXX, DPT EDXXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX  Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
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:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
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: Account information incorrect

Complaint:
XXXX XXXX  XXXX {$8900.00} XX/XX/XXXX this account is unknown to me. 
XXXX XXXX XXXXXXXX {$8900.00} XX/XX/XXXX this account is unknown to me. 
XXXX XXXX XXXX XXXX {$67.00} XX/XX/XXXX this account is unknown to me. 
XXXX {$67.00} XX/XX/XXXX, XXXX account is unknown to me. 

XXXX XXXX XX/XX/XXXX. This inquiry was not authorized by me. 
XXXX XXXX XX/XX/XXXX. This inquiry was not authorized by me. 
XXXX XX/XX/XXXX. This inquiry was not authoized by me XXXX XXXX XX/XX/XXXX. This inquiry was not authorized by me. 
US SM BUS ADMIN ODA XX/XX/XXXX. This inquiry was not authoized by me.

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 2021-07-01
Company: Commonwealth Financial Systems, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Commonwealth Financial reported this erroneous debt to my credit reports. This is a debt that I do not owe! This debt was purchased by Commonwealth financial from another junk debt collector named XXXX XXXX XXXX whom was unsuccessful in attempting to collect this alleged debt because of their failure to Validate this debt in accordance with the Fair Debt Collection Practices Act. To add insult to injury, Commonwealth Financial did not send me a written notice in regard to the debt, and also failed to notify me of my right under the Fair Debt Collection Practices Act to dispute this erroneous debt before inserting it on my credit reports. Failure to properly Validate this debt in accordance with the FDCPA ( which you can't do, I don't owe you anything ) will result in my filing a small claims suit against your company for multiple violations of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a checking account online with chase bank I was told I was appoved for a simple checking account. Upon attempting to access the phone application my access had been blocked. I called customer service and they stated that I would be getting a letter with an explanation. After receiving the letter it stated that they closed the account but there was no actual justification stated I was advised to check my credit report. I also attempted to go to a branch where I was given a phone number to call. They simply stated they have a right to close an account for any reason and didnt offer any further assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I filed complaints XXXX, XXXX and XXXX. While the results from XXXX re investigation end in removal of the accounts in question from my credit report something is terribly wrong between the CBs investigations or the company XXXX XXXX XXXX XXXX XXXX XXXX is deliberately reporting different information to the different credit bureaus ... .someone is providing false information because Transunion claims to have updated the information. Furthermore, the accounts in question have yet to be removed from my reports in complaint XXXX. I try and have patience regarding these matters but the CBs seem not to have a problem putting the information on my report the same day it should be removed as well in a timely manner. I refuse to allow this to keep happening and will continue to complain until this matter has been satisfied. If the accounts are verified as mine then I will not deny them but playing around with my credit is doing serious damage to my credit and the next step will be a law suit. I have tried contacting Transunion by phone and the website and it says that the system can not access my account due to on going disputes but claims I can view the status ..but will not let me as of X/XX/2017

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XXXX the XXXX I withdrew exactly XXXX XXXX to my personal account from Coinbase via a XXXX  transfer, since then coinbase has not responded to any of my support tickets and has now been over a month. The lack of communication and lack of support makes me to believe this company is withholding my XXXX for their own benefit and completely lacks any customer care or support. I have contacted my bank ( XXXX ) and they have responded that the transfer was actually returned to Coinbase themselves. So therefore they need to credit my account with exactly XXXX XXXX. I 'm frustrated and angry with this lack of communication as it 's a lot of money, I 'm hoping you can help resolve my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have inquiries, i have no knowledge of. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX US SM Bus Admin XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-11
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: Account information incorrect

Complaint:
InXX/XX/XXXX XXXX XXXX closed my account with me still making payments after they had closed the account then on XX/XX/2019 Open the account back up and came to repo the XXXX XXXX XXXX from me and closed the account again. Then reported it to the credit agency as a {$0.00} balance then reported a {$3400.00} balance and now reporting a {$9900.00} balance. When trying to get the car back I was given the incorrect information about where the vehicle was located. I was given your information from Experian Yesterday after fight with them all this time!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Trying to remove unknown inquiries from my credit report. 
I have no knowledge of these listed. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief