BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My hours have been cut due to the covid-19 making it difficult to pay my XXXX mortgage. I called Select Portfolio Servicing and was told that they automatically can put 3 months ( XXXX, XXXX & XXXX ) on the back end of loan. I inquired about not having the three months spread out over the top of the remaining months and I was told that would not be done. I asked if their were penalties and late fees for this and I was told there were none, that the payments are put on the back end of the mortgage. I called last Thursday or Friday, XX/XX/XXXX or XX/XX/XXXX & was told I will hear back in 3-4 days. Today, XX/XX/XXXX I looked online and saw my request was put in and a letter will be sent in 7-15 business days. I called customer service and spoke with a gentleman and was told that it could be up to 3 months before I receive their letter because they are so backed up. He also told me, " so you won't get a surprise '', that they could very well require me to pay the three back mortgage payments along with my XXXX payment. When I asked how I was expected to do that, I was told that " no one is telling you to do this '', it's not up to SPS. I have had 2 totally different conversations within 1 week. It is as if I were speaking with two totally different companies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Credit Card Acquisitions Group
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-04-21
Company: Experian Information Solutions Inc.
State: GA
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. 


Account name : XXXX Account NumberXXXX Account name : XXXX XXXX Account Number:XXXX  Account name : XXXX XXXXXXXX Account Number:XXXX Account name : XXXX XXXX Account NumberXXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-03-28
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 requested for a validation of debt for Auto Insurance XXXX XXXX and was also a victim of identity theft

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 2020-04-03
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:
There are unauthorized inquires on my credit report that should not be there, I did not apply for anything

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 2020-09-24
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
BBVA has a call center in XXXX, which when I called asking for help with fees, impacted due to covid, the representative did not even know about CFPB, FDCPA. I am a XXXX XXXX XXXX employee. The bank is not educating their employees correctly, in order to misinform other XXXX customers, and charge them overdraft fees, thinking every XXXX is uneducated, and can not read terms and conditions. I have been out of work since XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX. At XXXX, we assist customers, returning fees. The bank even saw my stimulus deposit was not received until XX/XX/XXXX. The bank refused to assist me except with 2 overdraft fees. Overall, the bank is intentionally not educating its outsourced call center reps. I had to inform the rep about CFPB, since in XXXX, there is no banking system as organized as ours. The bank charges XXXX for {$1.00} transactions for stash ( less than {$5.00}, and I've called 3 times informing them I never signed up for stash ). I informed them, I'm on XXXX, receiving 70 % of my pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Hello Since XX/XX/2021 Coinbase has suspended all my activities. I can't do anything on the app, nor website. My account is accessible to read and review showing everything current by the day but I CAN NOT SELL OR TRADE ANYTHING. 

[ THESE ARE STRAIGHT COPIED FROM EMAILS ] : *RE : CASE # XXXX XX/XX/2021 Hello XXXX , We have transferred your case to a specialist who will be able to assist you with this specific issue. You will be contacted directly as soon as we have reviewed your case. Please note, these reviews are typically completed within 5-7 business days but may take longer. Best regards, Coinbase Support 2ND EMAIL : Hello XXXX XXXX, Thank you for following up with us. Our team is still reviewing your information. However, we've asked them to expedite their review of your account, but it may still take 24-48 hours to complete. We appreciate your understanding. Regards, Show quoted text Coinbase Support **On XX/XX/XXXX I recieved an email stating my case was resolved and closed. When I Check on the app and online the problem still existed and I was unable to use ANY type of crypto transactions. When I tried to email again and they responded : ( Hi there, Thanks for the response! Wed love to help you further, however, this case has been closed and can not be reopened. Please submit a new ticket to our online support form here for continued assistance : https : //help.coinbase.com/en/contact-us.html Thanks, Coinbase Support ) ***I then OPENED a case with their Consumer Complaints Office. This is there reply : Re : CCO case # XXXX Hi there, Please accept this email as confirmation to receive to your complaint. We will review your complaint you will receive a response by the Consumer Complaints Office within 15 business days. If for any reason we need an extension of time we will email you as his possible. Warm Regards, The Coinbase Team. I have emailed 2 more times in this case # reply and still NO answers at all. It has been 8 weeks of my fund being withheld. 

Also Im NOT able to do anything to sell, trade crypto. I am also handicap? so I have emailed them explaining this stress has really made me feel very bad with my neurological conditions. 

Thank you for your attention to this serious issue, XXXX XXXX XXXX Today 's my approximate portfolio worth is about {$140000.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-21
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Experience has failed to respond in a timely manner to my dispute letter of XX/XX/XXXX and XX/XX/XXXX deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 

A complete investigation was never done. It was past the time and they continue to not have a complete investigation. They send me letters that dont believe its me and Ive verified its me by sending proof.

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 2022-04-14
Company: Sequium Asset Solutions, LLC
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX, now XXXX XXXX failed to pro rate my cable bill in violation of Maine Law XXXX The law is pending legal review, but at this point the Federal Appeals court has upheld the law requiring the pro rating of the cable bill. The charge is for approximately {$39.00}. 

XXXX was told not to contact me in 2020. They violated the XXXX  by calling at least 2 more times. They turned it over to a debt collection agency, which contacted me by phone again. A complaint was filed with CFPB at that time and a confirmation was received. 

I received an email from Sequium Asset Solutions today regarding this debt. I called them to advise of the prior XXXX. I believe this is another violation of the XXXX filed in writing to the original creditor, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I did pay for all three reporting agencies, but once I reached XXXX I dropped TransUnion and XXXX and just kept XXXX. Then XXXX of my accounts closed, and they said it was because of my XXXX XXXX. So, I opened TransUnion and XXXX up and saw that they were reporting my scores as TransUnion-622, XXXX  XXXX XXXX and XXXX. I thought that this was odd because I monitored XXXX at least XXXX times a week, and it never fell below XXXX, and at present it is XXXX. The only reason could be that TransUnion and XXXX were changing the XXXX score on their own and not reporting the actual score for XXXX. Then I called TransUnion, and they told me that they could do that and that there was nothing wrong in doing it. That meant that XXXX was not checking XXXX either when I ordered my three reports, so they are just as guilty in reporting false scores. Then, when I ask to speak to a superior, TransUnion told me that they were not going to change it. This has caused me to lose my XXXX account and my XXXX account, and has dropped my credit score and caused me to be denied for credit cards. This has really damage my credit.

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 2018-04-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I attempted to transfer money from my Wells Fargo account to my Father 's XXXX XXXX account via XXXX. I had previously received a transfer from my sister via XXXX and had no problems. I entered my fathers name and cell phone number into the system and transferred {$870.00} to him to be done immediately. A confirmation number of the transfer was sent to my fathers phone number from XXXX   XXXX XXXX. My father not having the funds in his account contacted me to follow up. I contacted Wells Fargo and reported the funds were not received by my father at XXXX XXXX and that he received a notice from XXXX XXXX XXXX confirming the transfer. Wells Fargo said they would investigate. My father received a phone call on his cellphone in the next couple of days from XXXX  XXXX XXXX indicating that there was fraudulent activity on the account. When he contacted XXXX  XXXX XXXX they told him that they could not discuss the matter with him as he had no account there. Wells Fargo sent me a letter about 2 weeks later stating that they had completed the transfer as asked and disclaimed all responsibility in the transaction. In fact the person who I talked to on the phone after receiving the letter indicated that " I had to learn the hard way on how to deal with XXXX. Wells Fargo claimed that the name on the XXXX XXXX XXXX account and the cellphone matched so they were absolved of any responsibility. Apparently there is no verification of the name on the account by XXXX upon transfers. XXXX XXXX XXXX refuses to confirm the identity of the individual whose account the funds were transferred into as well. Meanwhile I am stuck out {$870.00} for transferring funds to my father whose cellphone was on him and has received all the confirmations of the transfer as some random party was given the funds.

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 2023-04-12
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2020-04-03
Company: EQUIFAX, INC.
State: MD
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:
On XX/XX/2020 I received an alert from Equifax stating that my address had been changed. I check my report and validated with my current creditors non of which has requested an address change for me. I had OPT outs placed on my credit reports and freezes since XX/XX/2020 so did not understand how an inquiry was run and my address changed. Only 1 hard credit pull appeared on my report by a collection agency ( 3rd party ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, who is not a valid creditor which is why they had to do a hard pull and that was done without my authorization. Creditors perform soft pulls that are authorized. I have no collections or judgments on my credit report and at no time were they authorized to change my address. I " refroze '' my credit file again that day and had them put my address back as it has been for a few years now. I asked the credit bureaus to provide for me the name of the " creditor '' who requested the address change for me back to a property I no longer own or live in and they refused to provide that information. 

Again to day XX/XX/2020 I have received alert notifications that my address has been changed again with the same company being the only want inquiring about my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX. Again I have no account with them and no collects on my credit file. But even if I did this is clearly abuse of the system to lower my credit score and the law is clear " A person submitting a false change of address form may be imprisoned for up to 5 years plus subject to a {>= $1,000,000} fine ''. I again began to write and call the credit bureaus demanding to know who submitted a change of address for me and was told by " XXXX '' at XXXX  that they don't track or keep who makes this type of request. '' I find it difficult to believe as this would leave consumers open to fraud, identity theft, etc. I am asking that the credit bureaus provide the name of the agency who has changed my address 2 times in the last thirty days so that I can take appropriate action. 

I would also like this complaint to include XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX - Attorney XXXX XXXX XXXX ( XXXX ) XXXX, and I need to know who gave them expressed permission to perform a hard pull of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: VA
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. 

XXXX XXXX XXXX # XXXXXXXX XXXX # XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2018-09-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Last XX/XX/2018, I sent this credit repository a letter via fax requesting the XXXXXXXX XXXX account ref # XXXX to be removed and blocked from my credit report pursuant to FCRA 605B. Pursuant to FCRA 605B a reported fraudulent account MUST be removed from a consumer 's credit report within 4 business days. Attached to this complaint is a copy of my Police Report and FTC ID theft report and copy of the letter faxed to this credit 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 non-monetary relief
Consumer complaint received 2021-03-02
Company: EQUIFAX, INC.
State: IL
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 the frustration I'm dealing with due to the inaccurate and unknown items on my credit report. It has been passed 45 days and I still have yet to receive a response on my request. I'm not sure if my request is being ignored, but I'm sure feeling that way. According to the FRCA Section 611 ( a ), failure to investigate these items within 30 days makes them obligated to delete the items in question. I am demanding that these items be deleted immediately or I will be forced to file litigations due to the frustration I'm dealing with. My information was impacted by the Equifax data breach and I'm almost sure that's where these erroneous accounts were accumulated.

Company response to consumer: Closed with explanation