BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-08
Company: ERC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MS
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 contacted XXXX XXXX regarding a public record. They told me the information was verified but did not tell me how. According, to the FCRA this information have to be provided with physical documentation. Also, this information have to be verified with the courts and the courts have to verify it. Third party sources such as XXXX does n't count as verification. I ask if could be removed Upon viewing my credit report I found many inaccuracies and they refuse to remove it from credit report that 's violating FCRA I 'm in the market to purchase a home and need these removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Good afternoon, I have made several attempts to get validity of the accounts from Wakefield & Associates. They have 3 accounts listed on my credit and when I disputed this on several occasions they would never provide me proof of the debt. As I stated to them I have never signed an agreement with them and to please provide me proof of an agreement. I have issues because they were initially charging me interest on a debt that they would not validate. Finally the other week they decreased the interest off of the debt, but to no avail they have not sent me anything to validate this agreement I supposed to have with them. I am asking that they send me copies of agreements signed by me or delete this off my credit. They are causing my credit score to decrease everytime they add interest on this debt in which can not be verified. Please help me with having this company send me contracts in which I signed otherwise I want this removed from my credit and to cease from adding interest on a charge that has not been validated. How can you charge interest on an account that you can't validate and then send a message back saying you are reporting according to the FCRA guidelines. I have rights as a consumer and I am asking for documented proof of this debt and a signed agreement in which Wakefield & Associates and I have ever had an agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: FIRST ADVANTAGE CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
I applied for a XXXX  position with XXXX XXXX in XX/XX/2018. I was deemed ineligible for employment due to a criminal charge that does not belong to me. The criminal charge is that of my twin brother. I am in XXXX XXXX and have been for the last 13 years. There are also some addresses in which have never been a place of residence for me. As of right now there is false and inaccurate information with their findings and it needs to be corrected ASAP. I also states on the report that my former name is that of my twin brother. I have never had a name change and again this information is completely false.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX, Commonwealth Financial Systems reported a negative medical debt that was sent to collections before the original Debt owner XXXX XXXX XXXX XXXX secured payment from my medical Insurance provider who paid the medical bill in XX/XX/XXXX. The amount posted on my XXXX and XXXX credit report states that I am delinquent to the debt of {$700.00}. This was clearly paid and annotated on my medical Explanation of Benefits statement dated XX/XX/XXXX. After repeatedly disputing this with the two mentioned CRA, The Debt collection Agengy ( Commonwealth Financial Systems XXXX XXXX XXXX, XXXX XXXX PA XXXX ) replied without investigating that the amount reported on credit report is correct. I then contacted the original Debt reporter ( XXXX XXXX XXXX XXXX ) who sold the account to Commonwealth Financial System and was given another amount owed that is not correct. Requesting a bill, I then received billing statement with another amount different from the {$700.00} previous reported on my credit report. This information came from Commonwealth Financial Systems XXXX XXXX XXXX, XXXX XXXX PA XXXX in a letter shortly after I contacted XXXX XXXX XXXX XXXX. The information being reported is not correct and I have acquired enough documentation to show that XXXX XXXX XXXX XXXX is trying to collect money not owed that was paid by my insurance and the third party Collection agency is reporting this debt erroneously and using my credit report as a ransom to get me to pay what is not legally owed due to bad billing from the original debtor XXXX XXXX XXXX XXXX. I feel this tactic is to coerce me to pay something or I would otherwise have a negative comment on my Credit report until XX/XX/XXXX. I can send all documentations after I hear back and know I can trust a secure means to send it to your office.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 in one or more ways. 

XXXX XXXX  AXXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX & XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-07-21
Company: REGIONS FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have an account with regions bank and I am being charged excessive withdrawals fee incorrectly. Whenever I contact them in regards to this, they do not want to credit this back to my account. I have also received discriminating remarks from there staff in the Florida area and North Carolina area. So I would like for this to be resolved.

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 2017-10-23
Company: Financial Recovery Services, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX. XXXX XXXX. The number was Unknown name XXXX. The person who called was XXXX XXXX. He was looking for a family member that does not live here. I told them the person does not live here at this number. I asked him to remove this number. He continued to harass me asking me questions. I told him I was being harassed, and he needed to remember that he was on a recorded line. I was place on hold and someone else came on the line an XXXX XXXX. I asked for their information she told me they were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MInnesota. She apologize and agreed that XXXX XXXX should have apologized and hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: Supreme Lending
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX of XXXX I began the process for the Home Affordable Modification Program ( RMA ) Request for Mortgage Assistance due to a loss of employment the year prior which caused a lot of financial strain. The loa modification was complete in XXXX of XXXX. 

In XXXX of XXXX I reached out to Supreme Lending to try and do a cash-out refinance to pay off credit card bills and other pending expenses. The gentleman that assisted me in the process asked about the loan modification done in XXXX on multiple occasions throughout the process. I am by no means a mortgage expert so i trusted him in the process to guide me in the right direction. The cash out refinance was complete XX/XX/XXXX. 

In XX/XX/XXXX I received a letter in the mail from the US department of HUD stating there was a debt to be paid. I reached out to them directly and was not successful in getting in touch with anyone that could clarify to me why I had an outstanding mortgage debt if the only mortgage I had was my current home. Since I could not get a hold of anyone I reached out to the person that assistem me with the refinance but he never called me back. After a few more unsuccessful attempts to get clarification I reached out to a credit bureau to dispute the amount thinking it may be fraud. It wasn't until late XXXX when I was able to speak with someone from HUD in which they explained what happened. 

The loan modification done in XXXX split the amount owned on my home into two liens. The second lien did not have to begin being paid until the first one was paid off. This was able to lower my monthly mortgage payment to make it more affordable at the time. When the refinance was done in XXXX, only one lien was refinanced in the process. That triggered an early payoff on the second lien. I've consulted with multiple loan officers and they've all agreed that is not common practice. The person who was assisting me with the refinance should have caught that there were two liens on the home and advised me. I trusted in him and I feel he took advantage of that. 

I reached out to Supreme Lending in XX/XX/XXXX and have been dealing with a Compliance Specialist for their company. It is now late XXXX and have no resolution in the matter. I've emailed and called to try and get a resolution, but it feels like I'm getting the runaround. In the meantime, HUD has began to garnish my wages which is putting a heavy financial burden on my family and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 do not owe XXXX University or Federal Perkins Loans. Amounts shown on the statements I uploaded show {$300.00} payment made back to Federal Perkins for {$1200.00}. And that I have a XXXX balance with XXXX University. Everything should have been cleared up after the FTC settlement agreement against XXXX University. But instead it was applied to my credit report twice with different account numbers. Ive been disputing this for years and have not been able to resolve it and now Im trying to go back to school and this is stopping me. Please correct this issue for me as soon as possible.

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 2021-02-17
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received a call early in the a.m., I never answer, I let them go to voice mail, then if they leave a message of importance, I call back. The message said they were investigating a possible fraudulent charge on my Amazon Card, saying to reach my account I could input the last 4 of my SS number, I did so, half asleep. The call sounded legit. The electronic voice, then said, as I recall, I could input my SS number to reach my account, I think I may have inputted the entire number before I awoke and got suspicious. I then called Amazon, or the bank that is on the card. They said I was all paid up and no new charges ... .so folks I'm concerned I was unfortunately had by scammers, but fortunately I didn't send money or pay out on some fraudulent claim. 

Thanks for your help ...

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 2017-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX   XXXX ,  2017  Consumer Financial Protection Bureau : TransUnion is inaccurately reporting information on my credit file.   The account number in question is #  XXXX , & the company is  XXXX   XXXX .   This account is not mine.   I do not owe  XXXX   XXXX  {$890.00}.   I have a police report regarding this incident & provided TransUnion a copy of it.   TransUnion said they investigated the incident but did n't find anything wrong with the  XXXX  account.   I requeste d Method of Verification  & asked for a copy of the documents they used to determine there decision.   I have n't received them yet & they are still inaccurately & illegally reporting this account on my credit report.   I called  XXXX   XXXX  on  XXXX   XXXX ,  2017 .  XXXX  confirmed they have no records of this account.   However, TransUnion is reporting that I owe  XXXX   XXXX   XXXX .   In closing, I want TransUnion to investigate this incident & provide me with the 'Method of Verification ' used to determine the facts of the matter.   XXXX  I want this account removed from my credit file.

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 2021-07-21
Company: Coinbase, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I opened an account with Coinbase and over the course of a year+ I slowly purchased a wide range of crypto currencies. At the end of XXXX I went to purchase {$100.00} worth of Bitcoin. The purchase fell to an old debit card I had on file with them. The payment couldn't go through on that card but I had my new card on file as well which was fine the purchase actually did go through on that. Coinbase claimed they never got the money. They did. They then shut down my account at the end of XXXX completely cutting off access to the XXXX I had in my account. 

It's been two months since this has happen and I've filed 10+ tickets, complaints with them, I've tried calling, tweeting at them and filed complaints with : the SEC , Coinbase, XXXX and FTC .

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-02
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX,, XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXXXXXX account XXXX XXXX, XXXX XXXXXXXX  XXXX account XXXX XXXX, XXXX XXXXXXXX account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXXXXXX Account XXXX XXXX, XXXX XXXXXXXX XXXX XXXXY XXXX Ref XXXX # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Closed an account with Amex in XX/XX/XXXX. A charge was charged to the closed account in XXXX. Amex did not send any statements. Noticed in XX/XX/XXXX that the credit report has a transaction 60 days past due. Called Amex, paid, and asked to reverse the credit reporting since they did not notify or sent any statements to me. Looking at the credit report, reporting for XX/XX/XXXX for this account still shows 30 days past due

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Experian Information Solutions Inc.
State: SC
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 XXXX XXXX Last four of account number is XXXX. This account has so much incorrect information on it and it is hurting my credit score. First the payment status on Experian shows 30 days past due but the other two show that it's charged off. The high credit on XXXX shows XXXX but the other two show XXXX. The date last active is different on all three. XXXX shows XXXX, Experian shows XXXX and XXXX shows 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 2017-10-23
Company: Sequoia Financial Services
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a letter from Sequoia Financial Services ( based in XXXX XXXX, CA ) a few months ago that my wife owed a debt of {$1500.00} to " XXXX XXXX XXXX '' that they were trying to collect. My wife and I have never been to that city, and are both on top of our debts. I ignored the letter. 
Received another letter ( dated XXXX/XXXX/XXXX ) that they were adding interest and would ding our credit score if we did not pay. I looked up Sequoia Financial on XXXX and all the reviews said this company is a scam. I checked both of our credit reports, and both are fine, no missed payments. I ignored the letter. 
Have now received two phone calls from this company, asking for my wife to contact them. We have not returned the phone calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2018-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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: Overcharged for something you did purchase with the card

Complaint:
have been disputing a portion of a charge with Bank of America on purchase of {$190.00} for the past month with no success. I have advised Bank of America on numerous times that I have not received or singed a receipt from the merchant on this transaction and I only remember spending about {$79.00}. Bank of America refused to ask the merchant to produce a signed receipt for the charge and credit the unauthorized amount back to my account. I think bank of America is in violation of my billing rights under Reg Z.

The company still refused to remove the charge even though there is no singed receipt for the amount. company is claiming that are complying with interchange.

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