BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-17
Company: CORELOGIC INC
State: IN
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:
My XXXX app says my score is XXXX. I go to a dealer, who runs a score through Credco, and they send my score back as XXXX through XXXX. I go online and get my XXXX score from them at XXXX, AFTER the dealer ran 4 scores ( I told them 1 or 2 max ) I called Credco to find out the discrepancy. She says they use a FICO score 5 and that's sometimes harder. Sends me to XXXX, I paid {$35.00} or so to see my XXXX report there and it STILL says a score 5 is either XXXX XXXX. I understand that different types of loans look at different things to decide whether or not to lend you money, but if they are telling you to go here and use this score number and it isn't what they sent, something is wrong. It cost me a few extra hard hits on my credit and a couple of percentage points in interest! Plus the {$35.00} to still be confused!!!

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 2021-03-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I recieved notices dated XX/XX/2021 and XX/XX/2021 XXXX the Denial Letters XXXX whereby lender denied my request to subordinate my second position loan ( the XXXX XXXX  XXXX ) to a new first position mortgage. I have also sent a letter dated XX/XX/2021 in response to XXXX XXXX  's initial denial letter. 

Within the Denial Letters, the reason given for denial is that it was based on a business decision. I am currently experiencing a financial hardship and request that that Select Portfolio Servicing and XXXX XXXX  reconsider my request to subordinate my loan to reduce my monthly interest in the refinance of my property which will reduce my monthly payment without changing the XXXX XXXX  loan whatsoever. On XX/XX/2021 I sent XXXX XXXX a recent notice by my employer regarding a reduction in my salary XXXX 20 % reduction ) due to the present economic environment. I am trying to amicably reduce my expenses and thus far, I have managed to keep current on my mortgage. To be clear, I am not claiming a COVID financial hardship, and I request that XXXX XXXX  do not report my account as a COVID financial hardship. Hence, SPS or XXXX XXXX  may not mark my account as a COVID hardship and doing so will cancel my ability to refinance my home. 

I have previously shown that the refinance of the property will save me more than the payment to SPS or XXXX XXXX. I have encouraged XXXX XXXX  to accept the subordination agreement to avoid unnecessary action on my part. 

I am concerned that I will not be able to make the payment, particularly if XXXX XXXX XXXX and XXXX XXXX  continue to refuse to subordinate the loan to a new first mortgage. 

Although XXXX XXXX  has asserted that the denial of the subordination of my XXXX XXXX loan is based on a business decision, it would seem to me that the best business decision would be the one that would mitigate risk to the mortgage owner. Not only would consenting to the subordination of my mortgage facilitate a lower interest rate and lower payment, the denial of the subordination would only serve to increase the risk of affordability, especially during the current climate of economic uncertainty due to the XXXX pandemic. 

I have advised XXXX XXXX  that time is of the essence in the refinance of my first mortgage as I do not want to lose the opportunity of closing at my current rate lock.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Experian Information Solutions Inc.
State: IL
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 did not consent nor authorize any person or company to benefit from my credit. As a consumer I requested proof of claim for the account listed below and the company failed to answer my request. 

Account Name. Account number 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 2021-03-16
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I have been subject of theft and financial crimes. My account was with the firm called Coinbase, Due to no help form coinbase I hired qualified Private investigator which found the suspect, I have even informed coinbase and asked them to help me with reporting to law enforcement which they do not, Please note that the private investigator mentioned to Me that aside from my coins, the suspect had approximately {>= $1,000,000} worth stolen crypto coins in his account as of XXXX, 2020. Using todays valuations, this translates into over {>= $1,000,000}. 
I have exhausted all procedures made available to me by coinbase, all computer-generated responses to request the un-freezing of my account. Companys responses have been disappointing and unprofessional, to say the least. Furthermore, your lack of timely attention for assisting me to unfreeze and gain access to his account is on the level of obstructing justice, as it is preventing me from cooperating and providing information to law enforcement, It is also preventing him from meeting his tax compliance responsibilities. We further believe that the manner in which Coinbase handles such issues is conducive, advantageous, and beneficial to the thieves who are hacking accounts held by you in their exchange. Through these events, we have come to realize that your policies and terms of services are unfair and unconscionable business practices. They are unilaterally self serving, and have placed me and other account holders, in a similar situation, at risk of being defraud ed. We b elieve this constitutes a breach of agreements and fiduciary duties on your part.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Experian Information Solutions Inc.
State: IL
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 respectfully ask that you eliminate this incorrect account from my credit report since I never authorized its creation and it's not mine. The supporting documents, which validate my claim, are attached.

Company response to consumer: In progress
Consumer complaint received 2021-03-17
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We applied for covid relief in XXXX which was approved. XXXX added {$4000.00} for deferred principal XX/XX/XXXX, which XXXX on XXXX and XXXX XXXX was applied to escrow, XXXX on XX/XX/XXXX and XXXX on XXXX was applied to principal, XXXX difference was not applied anywhere. 
Than lender added another XXXX to deferred principal which that money was not applied anywhere. 
They also charged us XXXX for late fees on XXXX and XXXX. 
Fees were suppose to be waived.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: WAKEFIELD & ASSOCIATES, INC.
State: VA
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 account on my credit report should be removed as soon as possible I did not authorize anybody to sign me up for this account this account is fraudulent activity if this doesnt get resolved as soon as possible I will use legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
State: NV
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 am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2023-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 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 2022-01-24
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I submitted disputes to XXXX, Equifax in regards to ( 2 ) closed account XXXX XXXX ( XXXX ) & XXXX XXXX ( XXXX ) for inaccuracy and failure to send me the status of the investigation within 30days. I asked that you assist me in contacting XXXX and Equifax and have them removed the above said closed accounts. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: DISCOVER BANK
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
A company verbally told me a lesser fee *much smaller than they charged ( XXXX vs XXXX ) and gave no receipt, operates under no real name and has had a lot of these complaints over the past two years. 
I made two purchases in their store ( same day and time ) and one XXXX blocked them from the overcharge, and carefully researched and allowed my dispute, the second Discover Card did not. 

One researched carefully ( XXXX ) one did not ( discover ) or I wouldn't have two different outcomes on same fraudulent activities. 

Discover told me they were provided a signed receipt, I argue this is a fraudulent receipt because I didn't sign one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Southwest Credit Systems, L.P.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I used to be a XXXX  customer and happened to getting internet service only from the company until on XX/XX/XXXX I've decided to leave the company after increasing my bill for up to over 50 % of the original package which was $ XXXX/month I had with the company when I first signed up with them back to XXXX. On XX/XX/XXXX I have made a payment in the amount of {$190.00} with XXXX which was the amount due on my internet bill at that time and to my knowledge my XXXX account for my internet services should automatically become current but that payment had never reflected on my account ; therefore I have switched to XXXXXXXX on XX/XX/XXXX which is the first bill I have received from the company. However, I've decided not to pay the month of XX/XX/XXXX with XXXX due to the fact I have contacted XXXX and paid for new internet services ; therefore XXXX has disconnected my services in the first week of XX/XX/XXXX then sent me a notice of disconnection on XX/XX/XXXX for past due balance of {$100.00}. On XX/XX/XXXX XXXX has released my bill report to a collection agency called Southwest Credit stating that I owe the company {$220.00} which is totally false and I have proof that my account was paid and current with XXXX on XX/XX/XXXX and besides XXXX has charged my account again for unreturned equipment which was returned in XX/XX/XXXX and I have a confirmation email from XXXX as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I've continued to receiving notice that Transunion has " Verified As Accurate '' all Us Dept of Education student items on my Consumer report. How are they saying Verified it belongs to me. First I've never disowned the ownership of the student loans I've simply tried excising my rights to Inquire information since these have been placed on my credit report. I can not get a great paying job even though I am college educated because I have XXXX Student loans in Collections reporting inaccurate and incomplete. Theres a hand full of violations but Transunion continues to ignore my disputes and my factual disputes I've sent in. 

Student Loans are classified as Collections but reporting a " Late '' payment after being closed It's a violation to have a " Monthly '' payment being reported on a collection It's a violation to have a " Balance '' being reported on a collection It's a violation with the account is " Closed '' but activity continues being reported on a collection It's a violation to continue reporting " COL '' every month on a collection It is a Violation to continue changing my " Date of Last Activity '' all because the collector wants to illegally collect. 

1. US Dept. of Education XXXX  2. US Dept. of Education XXXX  3. US Dept. of Education XXXX  4. US Dept. of Education XXXX 5. US Dept. of Education XXXX  6. US Dept. of Education XXXX  7. US Dept. of Education XXXX  8. US Dept. of Education XXXX  9. US Dept. of Education XXXX  10. US Dept. of Education XXXX  11. US Dept. of EducatioXXXX XXXX XXXX. US Dept. of Education XXXX XXXX. US Dept. of Education XXXX Please tell me how and what you did to Verify? Please do a independent Investigation.. After you have investigated send me everything pertaining to the investigation.. If it's not thorough please Delete because this is killing my ability to provide for my family.. I have a new born son with no job, no car to get him to doctor appointments. 

No one with finance or extend credit with this being reported inaccurate and incomplete Please have empathy and do the right thing..

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 2021-03-15
Company: National Credit Adjusters, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have attempted on multiple occasions to resolve this issue with NCA. NCA has violated section FCRA 809 ( a ) notice of debt. I was not notified in writing of any debt or presumed debt prior to credit reporting in XX/XX/2020. I also was not provided a 30 day period to dispute and validate the debt. I initiated contact about what was reported to the credit bureau in XX/XX/2020. 
NCAA has continued to change the timing of notification yet has been unable to provide any proof of written notification, after 5 complaints with the CFPB. Misleading representation of validated debt has been recorded via credit reporting agencies and and resulted in damages to my credit file and credit reputation. If removal of all reporting is not done immediately I will seek civil liability and report these violations to the FTC within 10 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: CITIBANK, N.A.
State: IN
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:
My Citibank credit card is lost or stolen, and I decided to close the account. I have a bill, but I do not have the complete credit card number. I contacted Citibank on XX/XX/XXXX, but as soon as I told the representative that I wanted to close the account, I was put on hold. Eventually, the call was dropped, and I had to call back. This has happened multiple times. At this point, I am not able to reach a representative. I have been on hold for as long as two hours, and I estimate that I have spent over six hours on the phone. 

On my last bill it give the hours that you are able to reach a representative as XXXX XXXX to XXXX XXXX on Saturday and XXXX XXXX to XXXX XXXX on Sunday. It is not possible to close your account!

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 2022-11-02
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX XXXX XXXX  In accordance with the Fair Credit Reporting act XXXX  Account # 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

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 2022-01-24
Company: AMERICAN EXPRESS COMPANY
State: CT
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:
American Express XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX. XX/XX/2022 I applied for American Express Gold Card 2. I was electronically denied for a credit card 3. I received an adverse action on Tuesday XX/XX/2022 letter stating that I was not approved 4. I called American Express and they informed me that I would have to contact XXXX directly Pursuant to federal law, title 15 Chapter 41, there are statues that inform me that as the original creditor I should not be denied an extension of my own credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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