BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-09
Company: TRUIST FINANCIAL CORPORATION
State: NC
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:
There was an investigation in Truist as well as in XXXX XXXX here in NC.

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 2023-09-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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:
I had credit cards with Capital One and XXXX XXXX back in XXXX  and I couldn't pay off the balance because of a job loss. The creditors had charged off on the balance owed, and they started to report the debt again every month to my credit bureau decreasing my FICO score and I couldn't get a car loan. Please see the attachments for reference. Thank you very much for your help.

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 2021-04-21
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have been trading on Coinbase for a couple months now and have about 6K in various currencies there. I went to try and sell a couple for profit this morning and have kept getting the same Account Restricted message. It states I can not buy or sell crypto and I have no idea why this would be. They ask you to contact customer support but they do not have live customer support. I have even messaged their system and verified my ID multiple times in the last couple hours to try and get this resolved but it appears to be going nowhere. I also have read others have had similar issues and their accounts being locked for months on end. I understand financial sites tend to lean on the safe side with any supposed issues but at this point with no human or even chat contact to speak with over there, I fear this is now borderline fraudulent and criminal behavior to tie up my money and prohibit me from my own research/profits I'm owed. They will simply not not let me access or sell it when I am more than willing to provide any verification or documentation in order to comply with what they need to verify my information. Yet I still get no answer? Given the amount of money tied up in there, I may even have to seek legal counsel if this is not resolved soon, but I am hoping the XXXX  and others can step in and make this right. In fact I am hopeful if enough people bring this to your attention it will proctor Coinbase ( a real time trading platform ) to get real time customer support to alleviate this confusion and frankly criminal service they are currently providing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-27
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: Their investigation did not fix an error on your report

Complaint:
I have tried three times within this month, three separate disputes with Experian, to remove an erroneous credit account with XXXX/XXXX. I have never had a XXXX account, the woman I spoke to at Experian associated this account with " XXXX '' ( I don't know anyone named XXXX ), the account shows opened in 1966 ( I was XXXX at the time ). I have looked at XXXX, the account is not there. The account is not mine, I have no knowledge of it. Experian will not give me contact information so I can dispute it with XXXX/XXXX. Please help.

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 2023-04-27
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid {$1000.00}, check # XXXX, dated XXXX. This check cleared my bank XX/XX/XXXX. I became aware the payment had not been credited in late XX/XX/XXXX when they declined a purchase. I called to try to resolve the missing payment. They sent me a letter dated XX/XX/XXXX stating they were researching the missing payment and to allow up to 90 days to complete their investigation. I called XXXX  and spoke with XXXX, she was not able to assist me until my husband authorized me to speak about this account. I called back with my husband on XXXX My husband gave permanent permission for me to communicate with the bank on this account. We/I spoke with XXXX. She told me to submit a copy of the cancelled check on the website. Their webpage to submit documents popped up " page not available ''. I mailed a copy of the canceled check with a copy of their letter dated XX/XX/XXXX to XXXX XXXX XXXX, XXXX, OH XXXX ( the address on the letter ). On XX/XX/XXXX, I received a letter dated XX/XX/XXXX, stating they received and credited my XX/XX/XXXX payment. This is NOT the payment they did not credit to my account. I checked the website. The missing {$1000.00} has not been credited to my account. I have spent 5 months trying to resolve a missing payment that I made 7 months ago. I expect them to credit the missing payment and the interest charged for the 7 months they had the payment and did not credit it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I initially filed a complaint with this company. I asked for information verifying the debt. I received information such as a bill and invoice information. However, I do not recall this debt in question. Now, I am asking for validation of this debt. I need a document that shows my signature stating that I owe and will pay this debt to this company. I do not recall this debt. I have attached a letter stating the information needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I bank with Chime an online bank for over 3 years. On XX/XX/2023 I received a text message that my phone number has been changed on my account and to call member services if I did not change information on account. So I called and advised that I did not make the changes over XXXX of my money was spent unauthorized charges on my account Chime has been denying my claim saying that there are no error found and I have requested documentation of their decision they said it takes 10 days and yet and still I have yet to get these documents and they will not replace my funds they keep denying my claim and 2 rebuttals I have sent them police report I have sent them screen shots I of the merchants advising to have the bank charge the funds back nothing please if you can assist in anyway possible!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-21
Company: DISCOVER BANK
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was told if I paid my credit card bill on time and never late for a year I would get my deposit back. Of XXXX dollars. I complied completely. I was told in a email that my deposit will be sent to me. I waited over 30 days and still have not received the check. I called multiple times and was told the check was mailed. So I see that statement as a lie. So I want the XXXX balance either handed to me in person. Or credit my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-21
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: IQOR US INC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
COLLECTOR KEEPS CALLING MY CELL AND BUSINESS LINE.

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 2021-04-21
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for the Barclays XXXX XXXX XXXX card and was denied solely for too many recently opened accounts. However, the rest of my credit history and income supports my qualification for the card. Additionally, I have over a year of credit history, as well as a variety of good-standing credit accounts. I believe that with all of this, I am qualified for the card.

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 2022-01-03
Company: CCS Financial Services, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been contacting the 3 Credit Bureaus requesting a complete payment history with this account. Despite the multiple previous written requests. Below are the accounts that are reported, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
CREDIT COLL ( XXXX XXXX ) XXXX Balance {$320.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: InterLinc Mortgage Services, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My name is XXXX XXXX and I have been working on purchasing a home with Interlink Mortgage. I agreed to have my credit pulled XX/XX/XXXX and one more time XX/XX/XXXX. I was highly upset when I say they have been pulling my credit monthly since the process. I was never told or asked about obtaining a new credit report every month and now due to the number of inquires it's having a huge impact on my scores. I am XXXX and they had no right or authorization to request my credit every single month without permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: NJ
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct this immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Self Financial Inc.
State: CA
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:
PLEASE DO NOT CANCEL THIS COMPLAINT, AS A DUPLICATE. 
BECAUSE IT IS NOT A DUPLICATE COMPLAINT. 

This is MY RESPONSE COMPLAINT regarding " CFPB '' Complaint Case # XXXX that SELF LENDER has responded to. 

PLEASE DO NOT CANCEL THIS COMPLAINT .... 

I have Submitted a Brand New Letter Request and 2nd Request for Self Lender. 

This Complaint is my response to SELF LENDER 's Response. 

15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report. 
( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

SELF LENDER IS willfully reporting Incorrect Information on my Consumer Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: UMB FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
There is a free ride violation that was placed on my account on XX/XX/12 related to the purchase and sale of securities. At least since then, I have been unable to move money between my non-retirement brokerage accounts. This is money is that is readily available in my account and is not tied to any pending activity. To get around the issue, XXXX has instructed me to contact a rep online or through the phone to move the money and has been unable to provide a clear reason why this is the case. I have spoken to 5 reps either through chat or on the phone and 3 of the 5 have stated this problem is due to the free ride violation. I have asked for the specific text on regulation T of the federal reserve board and they were not able to provide it. I have read over the text of the regulation and it at no point dictates that a bank should restrict the movement of money between accounts. It does however deal with margin requirements and the sale and purchase of securities when funds are not available to fully make the purchase. The funds moving between accounts are not related to margin or the purchase or sale of securities.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
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: Personal information incorrect

Complaint:
I have disputed address information with Equifax. I have also received three different credit reports from Equifax showing they have deleted the former addresses. They still currently appear on my Equifax credit report. They are refusing to remove the old addresses even though dispute is completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: WELLS FARGO & COMPANY
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was having hardship after covid spoke to a foreigner who could barely talk said they have no programs to assist. Once my XXXX kicked in made a payment but account now closed. Catch up plan was a plan to make payments every freaking XXXX weeks say if u didn't agree they would close account so I agreed to save account. In the past I've never had problem but soon as I need hardship option nothing available to me.Been a good on time paying customer

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 2022-03-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/ 2022, I spoke with a counselor at XXXX XXXX XXXX and Select Portfolio Servicing inc. a conversation that was recorded ( please see complaint # XXXX ). During the conversation the representatirive from SPS told me that I was going to be three months behind and facing foreclosure soon even though I was in forbearance. They told me that they had started a special account of unapplied accounts and that I had a balance of over {$400.00} and that if I paid {$350.00} dollars that suddenly I would not be 3 months behind in my mortgage payment, but rather only two. This was a secret that the representative said SPS didnt really want her telling me. My mother who is retired and does not have much income wanted to stop SPS from foreclosing on me. She was generous enough to pay {$350.00} to SPS on XXXX2022. This is how SPS tricked me and my mother into paying them an extra {$350.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I sent the money to my sister in XXXX on XX/XX/XXXX to have been received in XX/XX/XXXX. When she cashed the money A mistake was made on her name listing her both as the sender and receiver and we have not been able to receive the money ever since. We called, 14 times. Conversations were recorded. I filed an online complaint on XX/XX/XXXX and XXXX and as today XX/XX/XXXX. I do not have a response. They are holding my money hostage which was desperately needed by my sister and are not telling us why the money is being held, complaints are not being answered and they are hanging up on us when we call. They are also refusing to refund the money. MoneyGram is being careless with our needs and refusing to solve an issue caused by them. They are also refusing to tell us what is wrong with the file and why the money is being held. I am just looking my funds to be released and I would like other to know that this is company is not safe if you need to send money. They do not care about its clients wellbeing and mental health. They do not adhere to the practices they post in their website and do not respect the law or consumers. XXXX forbids there is a mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: EQUIFAX, INC.
State: IN
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/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XXXX Never got invoiced by the company send to collections agency and apparently owe {$8900.00} & XXXX never asked to get medical help or attention and believe this is scam since never recieved invoice till now

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: Experian Information Solutions 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 RECENTLY SENT LEGAL DOCUMENTATION TO CFPB AS WELL TO EXPERIAN REPORT # XXXX INVESTIGATION ID 01 PROVING THAT XXXX XXXX  DOES NOT MEET THE FAIR CREDIT REPORTING ACT AND REMOVE SUCH IMMEDIATELY NETHER  YOU CFPB OR EXPERIAN IS IS ENFORCING FEDERAL GUIDELINES AS WELL SENT XXXX XXXX XXXX ORDER NOT MY ACCOUNT OR RESPONSIBILITY ANYMORE AND WAS PUT ON NOTICE PRIOR TO NEGATIVE REPORTING COURT ORDER IS A COURT ORDER SIGNED BY JUDGE THIS IS MY LAST ATTEMPT TO GET REMOVED OR ALL WILL BE HIT WITH A LAW SUIT FOR BLUNT DISREGARD OF MY DEMAND PLEASE NOTE EXPERIAN HAS LOCKED ME OUT OF THE REINVESTIGATION AFTER BOTHE THEM AND CFPB RECIEVED DOCUMENTATION SEE ATTACHED STATES WILL NOT PROCESS A DUPLICATE DISPUTE SHOWS THERE BLUNT DISREGUARD OF COURT DOCUMENTATION

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