BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-29
Company: Capital Accounts, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I called the collection companies and told them that I had not received any written debt notice. They said to contact the medical office. Then I contacted the medical office and they said to contact debt collection companies. They are not cooperative at all. Nobody knows what to say. The medical office says to contact the debt collection office and the debt collection company says to contact the medical office.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
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: Investigation took more than 30 days

Complaint:
XXXX XXXX was hired less than 3mos ago for 9mos stretch.some items removed ... other inconsistently across all three major bureaus.THis is a fcra violation.

recently I have sent all 3 demand for dispute multiple times. Certified mail, uncertified mail, email, FAX ... etc. I am lied to my face about if certified mail has been sent with the hard card and USPS mailing card in my hands. 

My files remain uncorrected. creditor contacted take sweet time in getting back to me beyond 30 day limit and then begin to make claim that debts are accurate after extorting me for over 12 mos. This said, upright law was on retainer last year for around 9mos until I discovered they were scamming me. debt collections should have ceased, irregardless if anything was filed w the courthouse. If I must, I will hire another attorney to do it again and I will pay cash. The problem is the bureaus repeated refusal and noncompliance. They make claims yet are unsupported by evidence NOT sent to me, and supported by the FCRA itself which nobody at any bureau has bothered to read. I have skimmed the entire document in full looking for violations and found over 10 per credit bureau over the past 10 years. accounts I demanded removed ( 2007 ) repeatedly mo after mo I am sent and they are still there. accounts are " confirmed '' w no evidence as to HOW sent to me.

I am repeatedly asked for my blood type each ( week now ) time I dispute anything w anyone and then the reply is DENIED, INCOMPLETE, YOU ARENT YOU and YOU DONT LIVE THERE..or my files are changed behind my back wo my permission.I have had unlawful freezes multiple times in the past I did not authorize. bureaus are now refusing to freeze my files. my online access has been denied and locked up " in investigations '' that take years to unlock. 

FINAL NOTICE BEFORE SUMMONS of ENTIRE COMPANIES before XXXX COUNTY JUDGE for non-compliance. I HAVE INCHES OF PAPERWORK -- I had years worth in XXXX XXXX that got stolen.I had loads more last year. Law firms such as listed online refuse my case even though I have one against the bureau and then run thier mouth at me for reasserting my valid claim.

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 2020-10-07
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/20 Equifax website for lifting a credit freeze is not operational. 

XX/XX/20 Equifax website for lifting a credit freeze is still not operational. I finally reached a customer service representative who told me I had to mail a request ( including my social security and drivers license information XXXX to have the freeze lifted. I tried to explain the time sensitive nature of the request to no avail. I repeatedly asked to speak with someone else to resolve the issue and was denied. The representative eventually hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: National Asset Direct, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Summary : iServe locked a rate for us and when interest rates went up they would not honor the 3.875 % locked rate. 
We worked for months with iserve to obtain a refinance on our home. We were not taking money out. In fact, we were putting money in and financing less that the previous loan, which had a balloon payment due XX/XX/XXXX. We started the process in XX/XX/XXXX. We started working with XXXX a " Senior Loan Officer ''. He had some sort of falling out with iserve, and we were restarted in XX/XX/XXXX with a new office and only had contact from a loan assistant, XXXX, for the first 2 months. They claimed they did not have any of the documents I had submitted to XXXX, and the whole process was started again. Despite how slow things were going, at least XXXX would return phone calls and emails when I asked for updates on the process. XXXX also had a problem and left iserve, at which time XXXX, a " Branch Manager '' took over communicating with me. It took until XX/XX/XXXX for them to make any progress, and we finally locked our rate at 3.875 % on XX/XX/XXXX. We were flexible all along with the loan amount. We started out asking for the complete amount owed, about {$250000.00}, but later were told we could qualify for a {$200000.00} loan and we would bring approximately {$50000.00} to the close. They knew I had other available funds and was flexible on how much I could bring to the close. All along I left multiple phone messages and email requests for updates from XXXX. She would go silent on us for weeks on end. She said she had ongoing family problems. Our problem was that everything was moving so slowly, and after the rate was locked I could not get in touch with her for information on the planned late XX/XX/XXXX close. She finally told me by phone that this loan would n't work. I asked if we could qualify for a lower amount. She said she would check on that and get back to me. I was never able to make any contact with her again, not by cell phone, office phone ( no one would answer the office line ), not by text message or email. Interest rates had a big bump up after the early XX/XX/XXXX presidential election and we believe that iServe did not want to honor the rate lock and so refused any contact with us. We had to start the process again with another company. I started the process with the new company in mid XX/XX/XXXX and we closed on our loan with on XX/XX/XXXX at an interest rate of 4.25 %

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: U.S. BANCORP
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In the past 3 years I have contacted this company at least 3 times to have this late payment information removed from my credit report. I was told that they couldn't do anything. Here I am. I have had an excellent credit score until I accidentally missed one payment on this credit card. I was in the midst of a move and the mail did not get to me in time and having so much to do and on my mind, the charge was forgotten. When notified, I immediately paid the balance which I don't clearly remember but I think it was approximately {$100.00} and was not given a chance to continue using the card. I opened the account in XX/XX/XXXX and paid on time EVERY time, but on XX/XX/XXXX I made my last payment and the company closed my account. It was 120 days late. Not fair! My credit score went down significantly due to this mistake and I understand it will stay down for at least 4 more years. Please help! I would really appreciate it if you could clear this up and restore my good credit again. Thanks in advance!!

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 2020-02-18
Company: CL Holdings LLC
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: Old information reappears or never goes away

Complaint:
Jefferson Capital Systems located at XXXX XXXX XXXX XXXX XXXX, MN XXXX purchased a debt that is more than 3 years years old and reported on my credit of a new account with new delinquent payments in XX/XX/2019 as if to appear that it is a new account when in fact it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: CMRE Financial Services, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Trying to get a payment history to see if payments have been properly applied to account. Representative has stated company does not send out that type of report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I'm trying to pay a vendor that provides XXXX XXXX services and they only accept Bitcoin. I signed up with Cash App as recommended by the vendor and connected my Bank Account to the app via my debit card. I then applied to send the vendor a Bitcoin payment and was told I needed to provide further verification of my identity. They then asked that I submit a front and back set of photos of my Drivers License for the purpose of verifying my identity. I did this process twice ( once on XX/XX/2022 and the second time on XX/XX/2022 ) and both times got an email about 20 minutes later saying I was not approved for Bitcoin use on the site. I called the Customer Service number and got a live person on the line to see what the problem was. The amount of the transaction with the vendor is {$89.00} USD and I had transferred {$100.00} from by bank account into my Cash App account to cover this transaction. After 20 minutes of back and forth emailing between the customer service rep ( " XXXX '' ) she said that the Identity verification department was denying my ability to use the Bitcoin part of their app. I asked to speak with the Identity verification department and the CSR said they didn't communicate via phone, only via email to all other departments. I then asked to speak to a manager or someone else in the company that could sort this out and was told that the decision was final and this service was not available to me. When I asked for further clarification on the reason I wasn't being allowed to use this service the CSR said she could not provide any other information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX  a debt collector has taken me to court over an account that is identity theft. I have requested the account number, details, and 609 fair credit act information and the company has fail to comply. I also was sued this past summer and the case was just reopened! The company has a reputation for harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXX 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 2020-02-18
Company: Remitly, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
i used the service of a company name Remitly and requested a transfer on XX/XX/XXXX of Usd XXXX, the website said that the money will be available XX/XX/XXXX. On XX/XX/XXXX i called because the website changed from available to IN PROGRESS, I was told that the bank is trying to contact the person but no answer. This is not correct, nobody has trying to call the person or contact. 

they said that they will try but not gurantee. At this point i said if they can't process the transfer i want my money back and they said that i need to do a refund process and it can take day or weeks. This is not acceptable since they use my money and have stayed with the money for more than a week. 

I have used their services in the past and always is something. The previous times the person received less money i sent an email but they never responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have contacted Transunion on four different occasions in regards to accounts being reported on my credit file. The accounts are XXXX {$1700.00}, After properly disputing this account four times i received a letter from transunion stating that i needed to contact the collection company, and that the account had been verified and will stay on my credit report. I have contacted the collection company and they responded with a letter stating that they have already verified these accounts and sent a billing statement. I have NEVER received any verification from this company and i sent Transunion the letter i received. Transunion still refuses to remove this account from my file even after getting proof that the account can not be verified.As per the FCRA verification of accounts must include contract or original signature, in which this company XXXX has not provided either one. Billing summaries ARE NOT considered to be valid verification of accounts. Transunion has not sent me information in regards to how they have verified this account and this is against the FCRA. I have the right to request information that is being reported in my credit file, and the right to receive documentation on how these accounts were verified. Neither documentation has been sent to me and that is a violation. FCRA 611:6b Notice of reinvestigations states that i SHOULD receive a notice of investigation, and that a description of the procedure used to determine the accuracy and completeness of the information shall be provided to me. I have not received any of this information which leads to me to believe that Transunion is willfully withholding information in my credit file from me. This is my last and final attempt to resolve these issues before i contact the FTC and Attorney General 's office. I have been completly ignored by this company and my disputes has gone unverified.

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 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance with the Fair Credit Reporting Act. Section 611 ( a ) ( 1 ) ( A ) Account # XXXX ( XX/XX/2022 ) 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 I have recently been informed that there is negative information reported by [ XXXX XXXX # XXXX ] in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing [ Collection accounts- XXXX XXXX was put in chargedoff {$1100.00} ] in [ XX/XX/2022 ]. 
I challenge the accuracy, compliance and reportability of this listing. Please validate this information with [ XXXX XXXX ] and provide me with copies of any documentation associated with this account, bearing my signature.

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 2020-02-18
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In the early XX/XX/XXXXs I had a checking account with Wells Fargo Bank. That account was closed in XX/XX/XXXX or earlier. From XX/XX/XXXX to XX/XX/XXXX I had no business relationship with Wells Fargo Bank.

In XX/XX/XXXX I refinanced my mortgage and the refinanced mortgage was sold to Wells Fargo. When attempting to retrieve tax forms online in early XX/XX/XXXX I was unable to verify my phone number. Upon deeper inspection I found my account 's permanent address and phone number listed was that of my college apartment that I moved out of in XX/XX/XXXX. It was not the address and phone number associated with my newly refinanced mortgage. I attempted to call Wells Fargo to address this and was told that there is a verbal password on my account. I never set a verbal password on my mortgage account. 

I spent numerous hours on the phone with Wells Fargo fighting about this password. I do not remember was this password is but my only guess is that it is related to the checking account that was closed 15 years ago. After being hung up on numerous times for not knowing this password I eventually reached XXXX XXXX at the executive office ( XXXX ). XXXX stated that I need to complete a notarized " Customer Level Password Removal Request '' form to get the password removed. This is because there are no Wells Fargo branches in the State of Michigan or within hundreds of miles from my location. 

Per XXXX XXXX 's direction I found a local notary public, completed the password removal form, and sent it back to Wells Fargo. A month later I get a letter back from Wells Fargo stating that they can not remove the password on my account because there is no password. When I attempt to call Wells Fargo back on this they continue to state that there is a password on my account and refuse to help me because they can't validate my account. They tell me the only options to fix this are to visit a Wells Fargo branch ( none exist ) or complete the password removal request form which I previously did and was rejected. 

I am unfortunately placed in a position where I am unable to fully manage my mortgage account and fearful that if I do experience any other issues with my account I will be unable to address them because Wells Fargo refuses to assist me or remove the password from my account. 

Upon request I can provide the mortgage account number and a case ID number from XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: I.C. System, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I just got notification from my credit report that I had a " NEW '' collections from a company called " I.C. System, INC added to my account. When I looked at the detail it was for a company I spoke to last week because I received a letter from them in the mail that I owed them money. When I called I was told it was for an old debt with XXXX XXXX XXXX from years ago. I asked them to send me information to validate this debt because I do not owe XXXX XXXX XXXX any money and I do not have anything validating the debt and now its on my credit report? I do not owe XXXX XXXX XXXX any money as I spoke to them on the same day of that phone call and spoke to their customer service representative on XX/XX/21 that told me I not owe them anything. I have her customer ID written down at work if it is needed. Now, back years ago I was an XXXX XXXX XXXX customer and they were running a promotion to switch to their XXXX XXXX side so I did. I had an issue after this promotion that they were attempting to collect a balance on which was incorrect since I was still a paying XXXX XXXX  XXXX XXXX customer. I spoke to them/wrote a letter which I assume they still have all on file and it was all taken care of and I never heard of anything again because I had been a continuous customer for years of XXXX XXXX XXXX XXXX customer until actually just recent when I am in the process of moving. This company is attempting to collect a debt that is not valid and is 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 2017-08-30
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:
On or around XX/XX/XXXX, I submitted documents to XXXX and Transunion showing that I demanded debt validation from XXXX XXXX XXXX XXXX. XXXX and Transunion concluded the matter by stating that the collection company claimed to have verified the debt. By law, the bureau and the collection company are suppose to have in their immediate possession, a contract with signatures from original creditor and consumer along with the consumer 's state ID. When the original creditor submitted the new account to the bureaus, they were suppose to provide the contract, application and ID to the bureau so account could be validated when/if it falls into a bad debt. Most original creditors have not provided these required documents to the bureau or collection companies that they sell debts to. Therefore, it is against the law for the bureaus to have these debts on consumer 's credit reports and it is against the law for collection company 's, such as XXXX XXXX XXXX, XXXX, to try to collect on a debt that they have no legal right to collect.

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