BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-01
Company: EQUIFAX, 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 have disputed the below items and the credit bureaus failed to invesigate and failed to send me the investigation result within the XXXX period prescribed by 15 U.S. Code 1681i and failed to obtain verification pursuant to 15 U.S. Code 1681s2 XXXX XXXX XXXX  Auto Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report.

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from EQUIFAX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report.

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: Greeting Team, LLC DBA Customer Care Global
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
On XX/XX/2023 I received two text messages from someone named XXXX with Customer Care Global stating they received a notice from their website that I submitted a dispute, which I did not. One text message was sent at XXXX and another text with the same exact message at XXXX. I have never contacted this agency before. These messages continued to wake me up and felt very pushy. I have never received a validation notice from this agency yet they have continued to contact me about this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX 2021

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 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found multiple fraudulent accounts on my credit report. This has been hurting me as I am in the process of buying a new home for my family. Please remove the fraudulent accounts from my credit report immediately.

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 2023-01-13
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Contacted bluebird about money missing from my account and t told them it was numerous charges that drained my account went over all the charges and then ended conversation. Days later find out only one charge was filed. That charge was found in my favor and money was put on my account called bluebird to get rest of charges disputed filed those charges after gettting bounced around department to department. Days later told I need to file a fraud paperwork and I did that and days later get email saying not accepted, file again they say I didnt file it, ask for email again they give me wrong email, ( all on recorded line ). Sent to right email from my investigation and then l they say denied claim. Even though exact similar charge was accepted and refund given back to me from earlier so doesnt make sense they cant have proof of claim and have proof of denied claim because now only difference is amount. I got lied to and mislead.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had a mortgage with Wells Fargo. I had got behind on monthly payments. We were in the process of remolding the house in order to sale it. While away XXXX week, we returned home to find the house had all the locks changed. The house had been winterized and electrical tools were missing. I had contacted the police and they said the mortgage company had changed the locks. I contacted Wells Fargo. They said that when someone gets behind on payments, they sent someone out to see if the house is still being lived in. They said the house appears to be XXXX. I explained to them that we were in the process of remodeling the house. All of our personal belongings were still in the house and we had XXXX  and tools in the main living area. XXXX informed them that some of the XXXX XXXX  were missing. We changed the locks back and continued with the remodeling. The following month, we had to be out of town again for a week and when we returned home, they had changed the locks again. Called them again and they repeated the same thing. I received a letter telling me I had to pay over {$10000.00} to make the mortgage current. This amount included all types of extra fees and the cost of sending people out to change the locks and winterize the house. We were only behind XXXX months on payments. This mortgage was under my XXXX name of 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 2021-12-06
Company: EQUIFAX, INC.
State: LA
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$6200.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: EQUIFAX, INC.
State: KY
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 XX/XX/XXXX I sent a letter disputing multiple inquiries to All credit reporting agencies including XXXX. They responded sending me a letter explaining what a inquiry was. I again sent a more detailed letter outlining that I did n't authorize multiple inquiries on my report via certified mail and fax also on XX/XX/XXXX. They again resent a letter explaining what a inquiry is. They have failed to respond to two requests now to research and delete inquiries on my credit report that are inaccurate. These inquiries do not match any accounts on my account etc.
I sent seperate letter along with above in seperate letter and fax on same dates above removing incorrect addresses, employers, phone numbers and names. They sent me copy of an unchanged credit report both times with zero updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: EQUIFAX, INC.
State: WI
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 numerous inquires that were not done by me. I submitted the documentation as asked by the credit bureau and they refuse to delete them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: EQUIFAX, 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: Account information incorrect

Complaint:
try fixing these FCRA violation 3 times reporting inaccurate information cost me higher rate on loans I just received Equifax, XXXX, and XXXX need to correct this asap

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On or around XX/XX/, there was a fraudulent transaction on a checking account owned by XXXX XXXX As a result of the fraud BMO Harris Bank closed the checking account and the related savings account and blocked all access to the accounts and the account information. 
I, XXXX XXXX in this time period had telephone conversations with BMO Harris Bank requesting that the funds be released. At some point, BMO Harris became unresponsive to XXXX telephone calls or promising to research the matter and not following up. 
I estimate that the funds in question, between the checking and savings accounts, may be in excess of {$3000.00}. 
In late XXXX XXXX  XXXX asked his father, XXXX XXXX to help resolve the matter. XXXX authorized his father to act on his behalf in a letter dated XXXX XXXX XXXX 
In XXXX XXXX XXXX XXXX attempted several telephone calls to BMO Harris Bank spending several hours on hold trying to get additional information on the status of the accounts. 
The closing of the accounts, the loss of funds, and the unresponsiveness of BMO Harris Bank resulted in XXXX being evicted from his apartment and becoming homeless. In XX/XX/ XXXXXXXX XXXX XXXX  in XXXX for 4 days. This series of events forced XXXX to return to his family home in XXXX XXXX XXXX XXXX XXXX 
Having been frustrated with trying to communicate with BMO Harris Bank, XXXX XXXX with formal written authorization from XXXX XXXX sent letters to BMO Harris Bank on the following dates : XX/XX/ by USPS Certified Mail XX/XX/ by USPS Certified Mail XX/XX/ by XXXX Copies of all correspondence are attached as a PDF file. 
The formal correspondence asked for specific information on the fraud and an accounting of the money involved. To date, BMO Harris has been silent. Please note that all correspondence includes full and complete contact information.

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 2023-05-01
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My issue is with Mr. Cooper, and I am hoping this complaint reaches management and they are able to help. My issue is I have been trying to get a loan modification for 2 years now and they keep refusing to give me the modification which is causing me to owe more and more money, and this could have been easily resolved. On their website they have a link that says the federal government has a program that can help you with behind payments and I have applied for that program in my state witch is Florida, I have a HUD counselor that is working with Florida program and they have stated they would pay up to {$50000.00} towards my mortgage witch would help erase some of my debt and put me ahead in payments so I don't fall behind again. But in order for them to pay the money Mr. Cooper has to grant me a loan modification and push what I owe to the back of my loan, and they will make the payment, they have stated they will not make the payment while I am in default as it would be a waste of funds if they proceed with the foreclosure. I am asking management to please review my case and grant me one more loan modification, so that way the program can pay the {$50000.00} towards my mortgage and I can keep my home, if there is a program willing to help my mortgage, why would you guys not accept the loan modification as this helps both parties, because I get to keep my home and you guys still get paid. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: Experian Information Solutions Inc.
State: TX
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 : # 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-19
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
Coinbase sent a very intimidating email regarding trades being suspended on coins that I had inside my wallet. It stated that Coinbase would no longer be supporting these coins because of regular monitoring and said that suspension would be eminent on all their platforms. 

This email is attached and wants to read you can see how scary it is, however, an agent said that funds will still be accessible to trade in transfer, which makes it completely misleading and confusing. 

Within 25 minutes of receiving the email I got very scared and sold all the assets I had. And within the next 48 hours that same coin had risen 70 %, its completely unfair that Coinbase scares their customers with these tactics to manipulate the market in their favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: SYNCHRONY FINANCIAL
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:
Each month I set a automatic payment in the amount of {$100.00} to PayPal Credit- my minum payment is {$48.00} or lower and anything over the minum payment should go to my special finacing purchase automatically. But I have to call every month to have them to move the extra money to my special financing. Also they are messing with my credit by lowering my credit limit with them - example - If I have a {$2500.00} limit and my balance is {$1700.00} but then out of the blue they will lower my credit limit to {$1900.00} and that makes it look like I am maxing out my credit with them which in turn lowers my credit score. I have not been late on any of my bills but I do have medical bills that are on my credit report and student loans. But none of my credit cards, mortgage, car payments etc are late. This should be illegal!

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 2023-03-19
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
LexisNexis is not granting my request I have sent in by U.S. mail, phone, and online at XXXX XXXX XXXXlexisnexis.comXXXX and XXXX XXXX XXXXXXXXlexisnexis.com/, for a Consumer Disclosure Report and a LexisNexis Opt-Out in XXXX and XXXX and XX/XX/XXXX. Their results are requesting the same accurate information to verify my identity that I previous sent in to them by U.S mail and I sent in the same information over the phone. LexisNexis also have an incorrect spelling of my first name from a different request in XXXX of a LexisNexis Opt-Out, after notifying them about it, they still continue to not correct it by updating the error of my first name. The incorrect first name is : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: PRIMARY RESIDENTIAL MORTGAGE
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Morgage company XXXX has now misplaced three cashiers checks. A second payment was made in XXXX for XXXX and one in XXXX for XXXX. We also sent a replacement money order from our bank in the amount of XXXX with and other monthly of XXXX sent certified mail. They applied the XXXX and lost the replacement for the originals they lost. We have provided them a notorized letter from bank saying they cashed the original payment. They have sent letters admitting fault and refuse to correct the account or my credit score. I will attach documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
According to my most recent credit reports,  XXXX  has reported    XXXX    student loans (   XXXX   federal,   XXXX   private ) as receiving late payments. This is inaccurate.
According to my reports from all   XXXX   credit reporting agencies, I had two pay  ments 90 days late i n  XX/XX/XXXX .  According to the  XXXX  service rep and my account history, this reporting was caused by the system marking me 90-days late as of   XX/XX/XXXX this d  a te is less than six weeks from my leave from  XXXX   XXXX  University, and marking me again as 90 days late on   XX/XX/XXXX t  his  date is less than 90 days from the prior reported date and well before the end of the 6 month grace period that should have been in effect after I left  XXXX   XXXX  University in   XX/XX/XXXX .      These items did not appear on my credit report until this year, which is odd, since they were not reported at the time of alleged late payment. These items furthermore do not match the records in my   XXXX    history. I have made on time, auto-pay payments consistently since I began repayment and have an otherwise perfect payment record. I am not sure why these are reported as late years after the fact.     I sent a dispute letter to  XXXX  on   XX/XX/XXXX .   XXXX  responded that they had investigated and confirmed the accuracy of the 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 2021-09-19
Company: Experian Information Solutions Inc.
State: OR
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:
XXXX XXXX  reported a credit card belonging to my ex wife was discharged in XXXX of XXXX. 
It was not. It was discharged in XXXX. 

I have a divorce decree that shows I am not responsible for any accounts that belong to my ex wife and that I was to be removed. 
XXXX XXXX  did not remove me. 

XXXX XXXX  still reports it incorrectly on my credit bureaus and in my name. As well as false information. 

XXXX XXXX  has duplicated the discharge 2 times which is not legal in the first place and incorrect. 
And can not be in in my name per legal documents which they did. 

The XX/XX/XXXX reporting needs to be removed and the card and information needs to be removed off my name. 

Please have them follow all legal avenues and remove the duplicate information as well as off my name.

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