BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-21
Company: The Outsource Group, Inc
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The offending company is Medicredit. They are claiming to be trying to collect a debt on behalf of XXXX XXXX XXXX. The amount they are falsely claiming is XXXX. However, my most recent statement from XXXX clearly shows a balance of XXXX. I sent a copy of the statement showing the XXXX  balance to Medicredit, but they replied by insisting that I owe the XXXX. I suspect fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Unauthorized hard pull inquiries by companies listed below : XXXX XXXXXX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX-XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-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 2017-08-23
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I initiated a wire transfer for {$12000.00} from my XXXX account over to CoinBase ( a digital currency exchange ). This wire transfer still has not hit my account in CoinBase and I have no access to my funds. I have actually successfully wired funds from the same XXXX account to the same CoinBase account in the past but for some reason, this wire is being held up on the CoinBase side. I followed all of the instructions CoinBase provides. This is exactly what it states on the CoinBase ( XXXX  ) page when setting up a wire transfer : " Bank wire transfers may be credited to your XXXX account on the same day if submitted by XXXX PT. Otherwise, funds will be available after one business day. '' My wire was submitted on XX/XX/XXXX at XXXX Est so it should have hit CoinBase the same day. I contacted XXXX and they show the transfer was completed on their side with no issues.I was provided this information from XXXX : Transaction number : XXXX and Fed reference number : XXXX As of XX/XX/XXXX at XXXX Est I still have no access to these funds. They are being held on the CoinBase side. I have tried to contact CoinBase numerous times. They have no phone number to call. On their website, the only option to contact them is by a web form. I have sent in a few requests on this web form. I have only received one generic response on XX/XX/XXXX that said this : " Thanks for contacting us, and sorry for the difficulty with your wire transfer. We are aware of an issue with incoming wires, and our engineers are working to resolve it as quickly as possible. We will follow up with you as soon as you we have an update. '' I have had no other responses from them. I have also sent them numerous private message on XXXX to their support department. They have not responded there either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2019 I was seen a charge appear on my credit card notification from a merchant I use often, XXXX. The charge was for {$440.00} and I immediately contacted XXXX customer service to let them know that I was not authorizing the purchase and that someone had my account information. The representative told me that I needed to contact my credit card company and I then called Fifth Third Bank ( 5/3 ), the credit card department, to inform them of the incident. 5/3 told me that I needed to file a dispute and but I had to wait for the charge to go from pending to posted on my account. 

Once the charge posted I contacted 5/3 again to open the dispute, they cancelled my credit card and sent me a new one. On XX/XX/2019 I noticed 5/3 added the charge to my new credit card and I immediately called the credit card company again to see why the charge was added on my account. The representative that took my call told me that I was seeing the charge on my account because they spoke to the merchant and the merchant agreed to refund the charge my card. I was told they didnt want me to receive two reimbursements so they had to add the {$440.00} back to my new card. The representative told me that that I would be seeing the XXXX credit appear in a few days which will balance out the charge being added back. 

As time went by I called 5/3 multiple time letting each representative know that I had not yet received the credit from the merchant and that the balance carried on the card was affecting my credit/debt ratio which ultimately affects my credit score. The  representative then told me that I was not receiving a credit because the dispute was closed as final. She told me that in order to get my credit I needed to reopen the dispute and send an email to XXXX letting the department know why the charge was not valid. I sent this email back on XX/XX/2019 and put my case number XXXX in the subject line. After sending this email I had to contact the company several times to inquire about the case and was told repeatedly that they never received the email. I then threatened to contact CFPB regarding how they were handling the case and I was connect to a supervisor who said the document was received and that they needed time to complete the investigation. 

Today is XX/XX/2019 and the charge of {$440.00} is still showing on my account. As a consumer I am not sure what there is left to do. I explained to the bank and the merchant that I was using the XXXX services often and I believe someone had intercepted my information. The merchant nor the bank is willing to fix this issue. I do not know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: NAVY FEDERAL CREDIT UNION
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
First part of XX/XX/2020, I applied for a mortgage. NFCU sent me a denial letter and asked for it to be signed and returned back electronically. The decision states I owe obligations to others and something related to income which may be debt to income related. However, the information is so vague and I needed more explanations. I called and spoke to a representative who informed me NFCU didnt pull my full credit report as I asked for a copy of the report to try and obtain another lender. NFCU stated they didn't have it. I asked for NFCU to help me understand the decision with more detailed explanation and they refuse to help 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 2021-07-21
Company: FISERV INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter from TRS recovery services/XXXX  - Address:XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, telephone XXXX, XXXX. Letter states they're communicating from a debt collector and its an attempt to collect debt and that any information obtained will be used for that purpose. Reason Check returned, account closed. The amount they are trying to collect is TRS/XXXX  for {$28.00}, fee {$25.00} total amount due {$53.00}. It also states to send the money to Return Mail Processing Center, XXXX. XXXX XXXX, XXXX, GA XXXX. I called my bank and they warned me that it was fraud because another customer had reported the same. I call XXXX and they did have the correct amount but I did not owe them anything because my purchase had gone through ok.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: FORD MOTOR CREDIT CO.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I contacted the following creditors who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 
Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. I request you to show me PROOF how the following hard inquiries are factual records! Show me a signed credit application, giving them permission to access my credit file or DELETE the following hard inquiries. 
My lawyer will be waiting for your results from your bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Dear Sir/Madam : I am the victim of a violent crime, and have XXXX  XXXX of which I am working on. My salary as a XXXX went from $ XXXXmonth to $ XXXX/month in XXXX XXXX Disability payments. XXXX XXXX WORKED with me during the extreme hardship with a balance over the {$500.00} limit, I only had to pay three ( 3 ) {$50.00} payments to put my balance at XXXX. 

I phone Synchrony Bank, regarding my Care Credit Card over and over and over. To include today, XX/XX/XXXX. On XX/XX/XXXX I was attacked unfortunately by a XXXX Driver. It is a Battery case. I phoned Care Credit ( Synchrony Bank ) SEVERAL times ignorantly hopefully expecting them to work with me as XXXX XXXX DID. They offered me a plan of " {$61.00} '' a month for 6 months due on the XX/XX/XXXX. Let me EMPHASIZE due on the XX/XX/XXXX. Unfortunately and obviously I can not pay the {$61.00} for 6 months nor do my bi monthly XXXX deposits come regularly on " the XX/XX/XXXX. '' I was continuously frustrated by the XXXX women in Customer Service for both their lack of thinking out side of the box and lack of empathy. To get to the point, on XX/XX/XXXX I made a full {$58.00} payment " TO KEEP MY ACCOUNT OPEN, '' as according to Customer Service. That was my food money. 
Then, in XX/XX/XXXX, I made a {$5.00} good faith payment. Two good faith payments. I just logged onto XXXX, and to my utter surprise, THEY CLOSED MY ACCOUNT. All of my efforts. All of my calls. All of my attempts to please work with me. The {$58.00} I sorely needed. I NEEDED THAT MONEY - all for naught. They have closed my account and have not even told me. I found out by looking at my report. 
I just spoke with a smug, unsympathetic robot, a man, in Escalation at the Bank. 

He was not interested in anything I had to say. 

I'm disgusted that during such enormous trauma, and with XXXX that I tried so hard and they just closed me. 

Shame on them. I wish I could close them. They NEVER offered to waive {$30.00} or {$37.00} fees, to assist me in catching up. They never offered anything to assist me. Now my account is closed. More trauma. Synchrony Bank you are bad people. I should have never even tried. 
You're not suffering from trauma. SHAME ON YOU for not keeping up with other credit cards, their empathy. You lack integrity.

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 2017-04-24
Company: Recovery One, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
**This not a duplicate Complaint. The information attached** Recovery One Responded to Complaint #  XXXX  on  XXXX   XXXX  , 2017.      The company stated that they will cease collections efforts and send out delete notices to all credit bureaus. ( Attached ) I will like this company to send the delete notice to all credit bureaus again due to  XXXX  is still reporting this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I want to report  XXXX  credit card companies that keep disputing me and reporting me to the credit bureaus and making my credit very very bad. I have a socre of less than  XXXX  when I should have a  XXXX  or higher. I swear to you and the government that I never was late on any bill in my life. My husband late  XXXX   XXXX   XXXX   XXXX  was  XXXX  of   XXXX   XXXX   and we pay our bills even after he  XXXX . I have a Problem with  XXXX  and  Citic be cause I file a FTC report with Federal mCommission which my grandchild did for me and I also file police report 2 times and sent to both companies and still they fight me and will not remove from  XXXX ,  XXXX , and  XXXX . I have the files where I sent information. They sent  thousand of pag es of statements to me but no signature where I started the accounts. I swear I did not do this then they say my children or son in law do this but then I asked them for proof that it was my family and they did not sent and told me it was proof from transfer to another fraudulent account that is also on my credit. Then they say that I have funds transferred to a bank account at  XXXX  also that I did not open up.  Pldease, I am  retired and on benefits from my deceased husband who died of   XXXX   XXXX   XXXX   and I can not afford an attorney to fight this. This has caused me so much stress over the years and I am sorry for the companies that have been wronged with credit use and loss of money but I did not do this!!! I will go as far as an attorney if you can find a legal aid for a retired person on low income because I am not liable and I do not like my name is ruined because of these things on my credit bureau. I have never used my credit that much in the last 20 years except  XXXX ,   XXXX   XXXX   XXXX   and I assure you, I was never late for those or  XXXX  and  XXXX . I never was late on any bills ever. I had  XXXX  card with my husband ove r 20 or 30 y ears ago and never was late.  I had Sears  and  XXXX   XXXX  cards and never was late either. Please investigate for me.    XXXX   sent over one hunder eds of papers with statements and none with my signature on it. Citi said I transferred money to a  XXXX  account but I did n't even know they have a bank account in my name. I have talked to all of my family members and they did not do this because they say family did it and if so, then so be it. Whoever is responsible should pay for it not me. I need help with this please.

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 2022-05-02
Company: EQUIFAX, 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:
Collection account from XXXX XXXX with account # XXXX and a balance of {$410.00}. 

Collection account from XXXX XXXX with account # XXXX and a balance of {$210.00}. 

Collection account from XXXX XXXX with account # XXXX and a balance of {$150.00}. 

Collection account from XXXX XXXX with account # XXXX and a balance of {$410.00}. 

I filed a credit dispute on these items with Equifax, XXXX, and XXXX, the company XXXX XXXX is 100 % unresponsive to the credit bureaus and myself, I have sent settlement offers for the accounts and received no response, I then filed disputes with all XXXX credit bureaus and XXXX XXXX never responded to XXXX or XXXX, but Equifax claims to have verified the accounts, then refused to reinvestigate the accounts in XXXX of XXXX. I again sent correspondence to XXXX XXXX as of XX/XX/XXXX about the accounts and again no response, here is the letter sent to XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Ohio XXXX To whom it may concern My name is XXXX XXXX my date of birth is XX/XX/XXXX and my social security number Your company said I allegedly owe you money for these accounts, XXXX # ( XXXX ) {$150.00}, ( XXXX ) {$210.00}, ( XXXX ) {$410.00}, ( XXXX ) {$410.00}. 
I will pay under one condition if can provide : 1. Validation of the debt, that is, the actual accounting. 
2. Verification of a signed Invoice. 
3. A copy of the contract binding both parties ( you and them ) in a letter by certified mail so that there is an independent witness to it having been delivered. 
There is no way that Equifax verified any information with this company when they will not respond to XXXX or XXXX or certified letter mail from myself, these accounts should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: MoneyLion 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:
XXXX  is continuing to report a Credit Builder Plus loan XXXX loan with Moneylion Inc as two payments past due. This loan has never been past due. MONEYLION IS ON VIOLATION OF FCRA and UDAAP. 
Moneylion is practicing predatory lending practices and Abusive practices. By reporting Current loan as DEFAULTED or past due on customers credit. It is egregious and terrible in the middle of a global pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: D&A Services, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX I received a call about a debt they said that I owed to XXXX in the amount of {$6100.00}. I told them that I did not owe any money to XXXX and that the last time I had dealt with XXXX was inXX/XX/XXXXwhen I closed my credit card account with a balance of XXXX. 

When they tried to push this again, I tolad them that they either had the wrong person or a fraudulent account. It told them to stop harassing me as the debt was not mine. I never heard from them again. 

Last month a different company contacted me about the same debt. The caught my attention because my credit score dropped by XXXX points. Again I told them that the account was not mine and filed a complaint with the CREDIT Bureau. After researching it as little as they did, the credit bureau said that the complaint was real. 

I asked the collection company to show me proof that I opened this account.. They said that they would. In the meantime, I contacted XXXX and they had no record of my having a delinquent account. This time the collection company sent copies of two statements looking like a XXXX statement. The first one had several problems. Number one was that my first name was misspelled. Number two it showed that supposedly I made a payment to them in the amount of {$110.00} on XX/XX/XXXX. I took that information to my bank and asked for a copy of my bank statement from XX/XX/XXXX through XX/XX/XXXX There was no payment made to anyone for that amount, and no payments of any kind to XXXX. During this time I received a copy of my credit report and there was no XXXX account reported open in the credit report after XXXX. I have reported this as fraud to the collection company they are now labeling this as a possible fraud account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
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: Was not notified of investigation status or results

Complaint:
I was requested Verifiable Proof for the attached accounts. Per section 609 of Fair Credit Act. That information was never received or provided. I request this accounts be removed as it has been over 35 days and no real investigation ever took place.

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