BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-12
Company: Experian Information Solutions Inc.
State: FL
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 sent a letter regarding On XXXX2021There have been fraudulent Inquires on my credit report. to this day over 60 days later I have not received a response yet. please remove the Inquires from my credit report They should be deleted before further action is taking I will file for litigation. Please resolve this matter I feel I'm 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 2024-01-11
Company: U.S. BANCORP
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2024, I made a monthly payment on my US Bank credit card account. I didn't include the statement with the payment because the statement was stolen out of my apartment, but I did include the account number on the money order I provided for the payment ; now their saying that they haven't received my payment. I pay this way ( by money order ) once a month and never have a problem making the payment on ( account number XXXX ). Can you please help me?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted XXXX banker who helped me with the mortgage on the existing house I purchased back in XX/XX/XXXX in XXXX XXXX. Since our family decided to move to XXXX XXXX, I contacted the same banker at XXXX to obtain another loan for the XXXX house and explained my plan to keep the current house till XX/XX/XXXX until my child finishes school here, then also be able to get capital gain exemption ( 2 years holding period ). To make a story short, XXXX banker told me and my realtor that the loan is approved, and we could remove loan contingency. Then a few days before our planned closing date, XXXX suddenly told me that I needed to lease my existing house for 1 year to get the loan. At that point, it was too late to do anything, and I was going to lose my deposit ( {$72000.00} ) if I did not purchase this house in XXXX. I had to sell all of my stock holdings in IRA to make enough cash to purchase the house so I could purchase the house and not lose {$72000.00} deposit. Now I have to pay for huge income tax and penalty on the IRA early withdrawal. XXXX or any financial institutions need to be liable when they " release loan contingency '' and do not fulfill their commitment to provide the loan. It puts us home buyers at huge financial risks and they need to be liable for any financial damages they caused by authorizing borrowers to release loan contingency.

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 2021-05-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX has two accounts showing two different amounts on my credit report. I wrote to XXXX, XXXX, and Experian to have these accounts removed. I wrote to XXXX XXXX and they are not showing I have any accounts with their company. 

I disputed both accounts, I disputed owing the debt, I have sent three letters to each credit bureau, and I have asked each company to provide proof of the contract I signed to show this debt and the amount of the debt belonged to me. 

This is my final attempt to have the Credit bureau show proof the debt belongs to me. They have had a total of 120 days to show proof the debt is valid. This is my final attempt before taking all three credit bureaus to State Court for false reporting. 
I started my dispute process with all three credit bureaus on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX. When reviewing the information the date of the last activity was on XX/XX/XXXX. My last contact date with XXXX XXXX was in XX/XX/XXXX. This would make the account more than 10 years old. 

All three credit bureaus are not reporting the same information. Therefore, the information is not accurate and up to date.

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 2021-05-12
Company: EQUIFAX, INC.
State: SC
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 contacted EQUIFAX several times in attempt to remove incorrect and inaccurate information on my consumer file. I have been harmed from there improper use of my consumer report by reporting and sharing my non public information without my consent. I have a late payment on showing on my consumer from XX/XX/XXXX that is incorrect. I have reached out to XXXX XXXX to have them update the information and they sent me a letter per the CFPB apologizing and stating that they would update the information with the CRA 's. However EQUIFAX has not updated my consumer file and is reporting incorrect and inaccurate information which is causing me harm to my character and reputation which is a direct violation of Federal law states pursuant to 15 USC 1681 ( a ) ( 1 ) and 15 USC 1681 ( a ) ( 2 ). EQUIFAX is deliberately breaking the law and reporting information on my credit worthiness that is not accurate. I have attached a copy of the letter that was sent to me from XXXX XXXX stating that they have updated the information dated on XX/XX/XXXX. This inaccurate information being reported is preventing me from using my credit to get approved for financing for a much needed medical procedure. This is unfair and causing me the consumer harm which makes EQUIFAX not be in compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: I.C. System, Inc.
State: SC
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:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2023-11-17
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I did a recent check on my credit report, and I found out that Experian has my personal information which is my address wrong. 

I need for them to address this matter. Correct my address.

Company response to consumer: In progress
Consumer complaint received 2022-01-10
Company: PNC Bank N.A.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I tried to close my accounts at PNC Bank in XX/XX/2021. They refunded my deposit, but would not close down my credit debit cards. See attached declaration.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-10
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Sent over money to CB on the XXXX of XXXX Withdrawal ACH Coinbase.com TYPE : XXXX ID : XXXX CO : Coinbase.com ACH Trace Number : XXXX in the amount of - {$3000.00} Withdrawal ACH Coinbase.com TYPE : XXXX ID : XXXX CO : Coinbase.com ACH Trace Number : XXXX in the amount of - {$1000.00} They are claiming that they haven't received funds and demanding I pay back XXXX to use my account. This is extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: BAM Management US Holdings Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
On XX/XX/2021, I submitted a ticket to Binance.US requesting deactivation of Two-Factor Authentication on my account. This was necessary because my phone was replaced suddenly and wiped by my employer which prevents my access to XXXX Authenticator. Binance.US responded initially same-day with an automated email requesting 1. a photo of the ID I used to register my account ( drivers license ) 2. a selfie of myself holding the drivers license 3. a video of myself holding the driver license saying : " Today is XX/XX/2021, I am requesting to reset my account XXXX for my Binance.US account associated with XXXX. '' This information was gathered and immediately sent to Binance.US support via email. I have heard nothing back from Binance.US. My additional emails to them only create new tickets with automated responses. Today is XX/XX/XXXX and while I haven't been waiting nearly as long as other people, reports of Binance.US abysmal support compels me to begin this process so I can regain access to the ~ $ XXXX held in my account on the Binance.US exchange. 

Original ticket # # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i been trying out of good faith t pay two medical bills from phoenix financial service my last payment made on XX/XX/XXXX of XXXX dollars was not applied i have my bank statements and it shows on their website it was recieved yet my balance did not go down, i attempetd to call them evry other day they are very rude and wont help specially the woman floor manager at this point i have my proof papaerwork and have tried doing my part

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Receivables Management Partners, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Receivables Management Partners , LLC at XXXX XXXX XXXX XXXX XXXX, TX XXXX has been sending me collection notices in the amount of {$1100.00} the collection has been reported as past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: Thaxton Investment Corporation
State: AR
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:
I previously filed a complaint with Covington credit/SMC  due to inaccurate information on my report. Upon reviewing my credit report I did not recognize this account. I initially sent a request for XXXX  to validate the account, and send proof such as a copy of a signed agreement or any other documentation to validate the information being reported was indeed mine or correct. After 4 different attempts they have failed to provide me proof of this account. I have disputed this information four times, and have given them warning that if it could not be validated, to remove it from my report or i would be filing a formal complaint. In addition the information XXXX  is reporting did not match the information that was reported by the other credit agencies. XXXX, AS WELL as XXXX  could not provide validation so they removed it from my account but XXXX  still has not done anything about this. They responded to the complaint stating they mailed a copy of my signature which i did not receive and they did not provide with response. I gave them ample time and opportunity to resolve this issue before having to take this route of filing a complaint. If after this complaint it is not removed I will be seeking legal actions. Below i have attached the inaccurate report. From a report on XX/XX/XXXX with all three bureaus reporting inaccurately to the report from XX/XX/XXXX with only XXXX  reporting. Please remove this from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to you for the second time to address the persisting issue of fraudulent items on my credit report. Despite my previous efforts, the items in question remain, and I find it necessary to bring this matter to your attention once again. 

In my initial dispute, I provided detailed information and supporting documentation to demonstrate that the items on my credit report are indeed fraudulent. Regrettably, I have yet to see any resolution or removal of these inaccuracies. 

The fraudulent items are adversely affecting my credit standing, and I am concerned about the potential repercussions this may have on my financial well-being. I have taken all necessary steps to comply with your procedures and have submitted the required documentation to verify my claims. 

I kindly request that you conduct a thorough and expedited review of my dispute, taking into consideration the evidence I have previously submitted. Transparency in the resolution process is crucial, and I expect clear communication regarding the progress and outcome of your investigation. 

If there are any additional steps or documentation required from my end, please notify me promptly so that I may provide the necessary information to expedite the resolution process. I am committed to cooperating fully to ensure the accurate and fair reporting of my credit information. I am asking for your assistance to remove the following fraud items in my credit file : XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/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 XXXX XX/XX/XXXX.

Company response to consumer: In progress
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: In progress
Consumer complaint received 2021-05-11
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I refinanced my home loan with Penny Mac, the holder of the previous mortgage. 
I settled that refi on XX/XX/XXXX. 

The gentleman who came to my home to execute the settlement told me that I would have a six day period to rescind the agreement.I signed a disclosure that he kept. The copy of the same document in my packet was blank.

I called PennyMac on XX/XX/XXXX to rescind and could not get a call back. After four attempts, a PennyMac rep told me that I missed the rescind period by one day -- that yesterday, XX/XX/XXXX - was the " distribution day. '' I'm not sure what the " distribution '' was, since no money has appeared in my bank account as of today and the balance of a XXXX loan the PennyMac refi was supposed to cover had not been paid as of 6/11 either.

I also believe PennyMac is engaging in the following unethical practices : I learned ( too late! ) that they are charging about twice the average cost for a refi. I paid $ XXXX for a $ XXXX refi. I thought this was normal until I shared it with someone and they explained how crazy that was! I know it is a " buyer beware '' situation and I'm the XXXX who went in trusting folks, but still, it seems out of range that they should be able to charge that much.

PennyMac automatically " rounded up '' my refi loan by {$2000.00} ( cash back to me ) even though I did not request this at any point. When I asked why I was getting $ XXXX back nobody could explain it beyond saying " Sometimes it just comes out like that ... '' Do I have any grounds for having this refi reversed, or am I stuck at this point? 

Thank you for any help you can provide! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm asking you to change this doubtful data a number of times. I will file a lawsuit against you because I believe you failed to verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my prior COMPLAINT #, and I'm including it once more. Please don't disregard my plea to correct these false entries in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX, My husband and I financed a vehicle through XXXX XXXX XXXX. During the loan XXXX XXXX Now illegally activated a remote disable device on my vehicle preventing medical transportation, and violating state pandemic protections. XXXX of Illinois XXXX order number XXXX to be more precise. 

In XX/XX/XXXX, my husband and I fell ill with XXXX. Unable to properly access healthcare, because of issues with transportation his XXXX unfortunately relapsed and he now requires permanent XXXX and XXXX which he will have to be on for the rest of his life. 

We notified XXXX Now of our hardship due to the pandemic and the financial burden it had caused. We voluntarily surrendered the vehicle on XX/XX/XXXX, as instructed. However XXXX XXXX Now unlawfully garnished my husbands wages without notice or a valid court order. Then a month later they returned a portion of what they had his job garnish. To this day we're still confused as to how they came up with the amount question why the amount and why the return of a portion of it. We asked them in our certified letter to explain this as well. Before sending the certified letter to XXXX Now, My husband made a call to the XXXX Now office to request information on the amounts stated on our credit files. We wanted to know if the vehicle was sold because if so, we werent given credit for it, as well as questions regarding the wage garnishments. The woman he was speaking with in the finance office, literally laughed when my husband was trying to explain his illness. This is very discerning. She referred to him as not being truthful about his XXXX and the XXXX issues we experienced. Not only have they violated so many laws and regulations but to laugh at someone being seriously ill is beyond comprehension as well as professionalism. 

We disputed this improper debt collection and requested validation, which XXXX Now failed to provide, violating the FDCPA. The invalid repossession also continues damaging both of our credit unlawfully. 

XXXX Nows willful disregard of the FDCPA, state debt collection laws, wage garnishment laws, and pandemic protections have unjustly harmed us. I request an investigation and enforcement action against XXXX Now for : - Illegally disabling my vehicle during state pandemic restrictions- Unlawful wage garnishment without notice or court order - Failure to validate disputed debt as required by federal law - Inaccurate credit reporting and wrongful repossession notation, collections - Lack of response to consumer complaints and violations

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