BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-08
Company: WELLS FARGO & COMPANY
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
I have a line of credit, /credit card with Wells Fargo . I lost my credit card XX/XX/2023. I called to speak to a customer service representative to report the card lost. I spoke with a representative to review a list of charges before sending me a new card. I lost my card XX/XX/XXXX. When the representation/customer service went to review the summary of charges, they found that for {$3300.00} from XXXX XXXXXXXX XXXX XXXXXXXX was charged on my card which I did not authorize on XX/XX/2023. ( Several days after it was noted that my card was lost which was XX/XX/2023. Wells Fargo initially went through with my fraud claim, but later rejected it. This is the first time I seen a XXXX XXXX XXXX XXXX charge with my Wells Fargo account. I have never made CC charges with the XXXX XXXX XXXX XXXX merchant in the past. The unauthorized fraud charge of {$3300.00} from XXXX XXXX XXXX XXXX is still on my Wells Fargo CC 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 2021-07-28
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: Their investigation did not fix an error on your report

Complaint:
Please review new information related to my dispute of XXXX account # XXXX As per the attached copy of the bank statement provided to me by XXXX, the circled XXXX  number of my address on the statement ( XXXX ) does not match my actual XXXX XXXX as per the copy of the relevant page of my Experian credit report. 
Therefore, this account is fraud, please delete it asap.

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 2021-07-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
In XX/XX/XXXX I sent a physical letter to XXXX, Equifax and XXXX XXXX informing them there were inaccuracies in my credit report and that I was requesting a copy of my free credit report of which I am entitled as per the FCRA.The only company to send my report was XXXX, It has now been more than 90 days and I still have not received a copy of my credit report from Equifax or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I would like to report about error in my profile. Suddenly there appeared one account and few inquires that do not belong to me. I was chocked to them in my profile. I would be very grateful if you can check them and let me know and if yo figure out that they are not mine just remove them after your check. I am telling to you that they are not mine and I do not want have something that do not belong to 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 2019-07-11
Company: Glasser and Glasser, PLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX Glass and Glass P. L. C. 
XXXX XXXX. XXXX XXXX XXXX, Virginia XXXX To whom it may concern back in XXXX I advice this company XXXX XXXX XXXX, that I had become XXXX XXXXXXXX and out of work. They have since threaten me on number ours occussion and now they have turn this account over too this law firm which has summoned me to court on XX/XX/XXXX. 

When I first became disable I turned in XXXX benefits forms and they denied me benefits. Im XXXX XXXX  XXXX and on Social Security Benefits. My husband became XXXX back in XXXX and currently in a chair. I have spoken with this company numerous time with no fair results. 

This bill should have been written off under the XXXX benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX Balance : {$14000.00} XXXX XXXXXXXX XXXX Balance : {$550.00} XXXX XXXXXXXX XXXX Balance : {$490.00} XXXX XXXXXXXX XXXX Balance : {$3400.00}

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 2021-07-28
Company: EQUIFAX, INC.
State: PA
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 previously, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: SIMM Associates, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call multiple times a day and when I ask them to stop or contact me only through mail delivery they hang up. I am not sure who they are but the company is SIMM ASSOCIATES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XXXX/XXXX/XXXX I noticed on my XXXX Account that XXXX XXXX had sent in a report for 60 days late and when checking the amount the charged by checking on the phone on the amount vs the late fee exceeded federal limits. I personally do not have a XXXX XXXX XXXX credit card, but my wife does and it is not a joint account. I discussed this with my wife and she has not used this card in XXXX at all. In direct violation and prohibited by the XXXX XXXX XXXX XXXX. XXXX sent no statements and made no phone calls. The made no attempt to notify of any amount owed. Nor did they send emails or communications simply placed it as late on the credit report for charges we never made. In putting dispute information in the is insufficient space to list all the details. We contacted XXXX XXXX who has been fined billions of dollars for illegal credit practices in the last few years and investigated by numerous state and federal officials. CFR section XXXX lists these practices as direct violations of federal law. We contacted XXXX and filed a fraud complaint on unauthorize used of the card on XXXX. On XX/XX/XXXX we paid the charged balance and XXXX waived the late fees and found the amount was about XXXX dollars charged. My wife, whose credit report shows contact, address and phone number information that does not belong to her and never did whose name is XXXX XXXX XXXX of birth XX/XX/XXXX Address XXXX XXXX XXXX, XXXX, XXXX  XXXX. Phone number ( XXXX ) XXXX showed someone elses information completely on her credit report. On XX/XX/XXXX we paid the amount to avoid any more negative reports on our credit report, and it should never have been placed on mine as the account is not joint, we then as someone else is using the account cancelled the credit line. We have prohibited all our employees, and our purchasing agent from purchasing, visiting or even going into a XXXX XXXX XXXX because although I do not have a credit card do have a pro rewards card for my business which employees 40 people. Thank you, see that these violations are properly investigated and please have the negative information removed from all three credit bureaus as the practice being followed by XXXX is prohibited under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There seems to have been a billing error with my banking company which led to a late payment for the account XXXX XXXX. I have attached the letter from XXXX to XXXX bank informing them of this error. I was informed to send a letter or dispute to expedite the removal of the late payment since this has been ongoing. According to the FCRA this incorrect late payment reporting in XX/XX/XXXX ' is to be removed due to a billing error. I sent a dispute letter over 8 months ago and this information is still reporting. I will attach the letter that was sent XX/XX/ which is dated and time stamped. Please update this account to paid as agreed, never late. I have attached all relevant documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-19
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Good afternoon, My Wife and I refinanced our mortgage back in XX/XX/2019. The loan was payed in full on XX/XX/XXXX. 

Since then we have not yet received the refund of our escrow balance which was held with our prior servicer. The value in full is approx {$5200.00}. 

I have spoken with our prior servicer ( New Rez ), and they informed me that it may take over 60 business days from the loan payoff date before a refund check is issued. 

When looking into the matter myself, I noted that in the CFR 1024.34, service providers are required to refund escrow balances within 20 days of the loan closing. When I informed New Rez of this regulation, they stated that they have their own internal policy and are not aware of the regulation. 

To me this is a direct violation of the CFR as it pertains to servicers and the handling of the escrow refunds. Your assistance with the matter is greatly appreciated. For your convenience I have put the full style of New Rez below. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX PA XXXX XXXX - XXXX XXXX  XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
After disputing a medical collection through XXXX, XXXX and Equifax I received a debt validation letter from XXXX XXXX XXXX. The letter includes my treatment information and charges, my symptoms, my vital signs and more information about my health which is a violation of my privacy under 15 USC 1681 ( A ) ( 4 ) and includes multiple HIPAA violations. I have filed a complaint with HIPAA ( see attachments ) and now I am filing a complaint with the CFPB. This information should not be shared with a debt collector and therefor makes this debt invald and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-15
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: Information belongs to someone else

Complaint:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/2021 I went to log in to my Coinbase account and got a " Your account has been temporarily disabled '' message. I immediately went to their support site and filed case XXXX. Since then I have filed about 20 new cases. I've followed all the automated response directions. I've reached out to every employee I can find on XXXX, XXXX and XXXX. I've filed complaints with the SEC and FTC. I have lost XXXX XXXX XXXX of dollars in potential gains as the market has risen and fallen over the months. Coinbase has NO support options. No one you can talk to. As a publicly traded company I can not imagine how they are getting away with this. Can you imagine having no access to your XXXX XXXX account for 4 months with zero support available? I'm not rich and realize that crypto currency is a bit of a gamble but what should not be a gamble is having access to your account and funds. Filing a complaint here in the hopes that anything can be done. Thank you very much for your service!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-21
Company: CITIBANK, N.A.
State: GA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Regarding : Citibank card : Cardmember since XXXX Account ending in XXXX I had a fraudulent charge on my card in California. I live in GA. I called them. They said they would remove it, cancel the card and send me a new one. They did send me a new card ending in XXXX. I have not even activated it yet! And there are ALREADY NINE fraudulent charges with XXXX and XXXX XXXX in California. I have called them and used their website. It will not let me dispute the charges online, so I used the chat function last night and again today. They keep giving me the runaround and are allowing these charges to continue

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 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I am submitting this without any influence and this is not a XXXX  party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.

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 2021-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Today I spoke with a representative from both Bank Of America and XXXXXXXX XXXX XXXX  about funds that should have been returned to me on XX/XX/2021. The Representative from Bank of America refused to transfer me to a Manager she flat out refused because she determined that my concerns and Finances were none of Bank of Americas concerns even though ID XXXX XXXX ( Associate Lied Directly to me ) and Failed to me ID 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 monetary relief
Consumer complaint received 2023-03-21
Company: EdFinancial Services
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I submitted a refund request for my student loan payments made during COVID forbearance on XX/XX/XXXX - I was originally given a timeline of 150 days to receive this refund for a total of {$21000.00}. 

A customer service representative then told me in XXXX, XXXX, that my refund request was still being processed. 

I had another chat with customer service on XX/XX/XXXX. I was originally told that they could not locate my refund request. After I pressed the representative on this issues, I was told they found my original request and that it was still in processing. I was told that there was nothing more that they could do because my request was in the hands of the Department of Education. 

I had another chat with customer service on XX/XX/XXXX. I was again told my refund request could not be found. After pressing the representative on the issue, I was told that my original request was erroneously entered as a request for a payment history report instead of a request for refund. 

It took 7 months and several chat with customer service to discover that my original refund request ( for over {$20000.00} ) was never submitted due to an error from the company. I was effectively lied to by the company on three separate occasions, and these lies have caused significant financial hardship. 

I made it very clear on several occasions that I was expecting a refund from the company, and I was told on each occasion that the refund was being processed. The company never once reached out to me to inform me that there was an error with my original request. Because of this, I will likely go several more months without receiving compensation.

Company response to consumer: Closed with explanation