BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
Transfer fee electronically online several of time. I was being penalized for at one time. Overdrafts fees too

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 2022-03-03
Company: CREDIT ACCEPTANCE CORPORATION
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 information incorrect

Complaint:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. CREDIT ACCEPTANCE CO The creditor replied they would remove the disputed item but the bureau is still reporting the 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 2021-03-02
Company: EQUIFAX, 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN A FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Our company initiated an ACH payment to a trusted vendor in the amount of {$55000.00} through our financial institution Bank of America. Someone impersonating the company we were paying intercepted email communication and assumed a fake identity. We were obviously not aware of the imposter, so we proceeded with payment to our vendor. Once discovering this, we immediately contacted Bank of America and our software company XXXX. After three weeks of back and forth, everyone pointed their fingers at one another and said it was on me ... What protections do we have from our financial institutions from cyber criminals? We are a very small business than this loss will set us back nearly 6 months in revenue.

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 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In XX/XX/2023 I had a collection account placed on my credit reports. The company, XXXX XXXX advised they were attempting to collect a debt on an account that is not mine. I have placed fraud alerts on my credit reports and disputed the erroneous information. I also have completed a FTC XXXX affidavit as recommended and attached. Also is correspondence from the collection agency indicating they would be removing this information from my credit reports. Please see attachments.

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 2023-12-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 inquiries i dont recognize that i need removed immediatley. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: Self Lender Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I paid my account off on XX/XX/2018 and I am being told that it would take 10 to 14 days before I get my funds back on the account. This excessive time frame was never disclosed. When closing an account out at a bank it does not take 10 to 14 days. Typically a bank will give you your funds the same day the account is closed. I called an asked for an explanation of the 10 to 14 days and no good explanation was given. According the to the person I got on the phone the bank has some sort of things they need to check on the account which does not make any sense. Rep could not explain any thing further.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Bread Financial Holdings, Inc.
State: PA
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 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 fumnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Coinbase, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Coinbase tech support contacted me, same day, as the complaint I recorded on Coinbase tech support page. The original issue was problems logging in. Tech support said they needed access to my computer. When they did they did suddenly the first week of XX/XX/2021 ; my Coinbase account was drained of over {$3000.00} invested in XXXX. I registered a complaint ( ref : XXXX ) When I returned the call of the tech, named " XXXX '' ( phone # : XXXX ). He said that this was standard procedure and the money would return after the lockout was solved. [ I suspect Coinbase or associates just outright STOLE MY MONEY ] Now weeks later the response to my login is " the account is suspended and I should contact " tech support ''. This is a vicious cycle! 
Coinbase.com has only responded to my complaint with bot responses. NO ACTION!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: CA
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 was checking my credit report on XXXX XXXX on XX/XX/XXXX and I noticed a few inquiries that I do not recall applying for. There are four inquiries that I did not apply for that are showing up on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX was reported on my credit report on XX/XX/XXXX and XXXXXXXX XXXX XXXX was reported on my credit report on XX/XX/XXXX. XXXX XXXX was reported on XX/XX/XXXX and XXXX XXXX XXXX XXXX on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I, XXXX XXXX have applied for mortgage assistance with Select Portfolio Servicing XXXX Inc. on two occasions. Our loan is maturing on XXXX XXXX and we are unable to pay the lump sum in full. A loan modification for the balance was requested. 

My husband and I had been battling severe illnesses since XXXX. XXXX had XXXX for XXXX XXXX and was out of work. After he returned to work XX/XX/XXXX XXXX caused a lack of work and our finances were strained over the next year. 

I had a total XXXX XXXX XXXX in XXXX that became XXXX  and caused injuries to my XXXX, XXXX and cXXXX XXXX. The XXXX injury lead to XXXX XXXXXXXX XXXX. XXXX lost wages during my illness while assisting me. 

Payments were late at times.But during the past three years we still kept the mortgage out of default/foreclosure by putting all we had into keeping our home. 

As of XX/XX/XXXX XXXX and I separated and he moved out of the home. I submitted legal separation documents as well.I have even asked Select Portfolio Servicing for a modification based on the current occupants. I live in the home with my brother who contributes to the household expenses. 

The first decision was that we were current on the loan so the modification was denied. However the maturity date still needed to be addressed. The second response from the relationship manager was that we were denied because of a delinquency. I was told that there are no retention options. This servicing company and investor seem to be determined to foreclose on my only home because it is worth much more than what is owed on it. They have not shown any interest in assisting homeowners. 

I have the ability to keep up with a modification and have sent proof of my income as well as my brothers signed contributions statement. 

If there is any assistance you can render to help me save my home from what seems to be a predatory lender would be greatly appreciated. 

Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone stole my ID and Social and later used it to open the following account : XXXX and XXXX XXXX XXXX XXXX Opened : XX/XX/2018 Amt. XXXX Please include my Police Report and Identity Theft Report that you have on file to the Dispute.

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 2017-12-07
Company: The CBE Group, Inc.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CBE Group just reported to my credit a week ago and I have no idea what it is for. I never got a notice and I have tried to call them at least 20 times and no matter what option I push the recording just loops back. I can not reach anyone to even try to see what this is for. This is a violation because they should send a 30 day write to dispute notice for one, they ca n't just put something on my credit because they want to. Plus my name is common and I have had multiple mixed files in the past due to that. 
They put it on your credit then you can not ever reach them. How are they even allowed to do this!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm 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 30 days gives a reason to immediately remove those items from my credit report it has been over 30 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, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-19
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:
Someone stole my ID and Social and later used it to open the following account : XXXX and XXXX XXXX XXXX XXXX Opened : XX/XX/2018 Amt. XXXX Please include my Police Report and Identity Theft Report that you have on file to the Dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone stole my ID and Social and later used it to open the following account : XXXX XXXX  XXXX XXXX XXXX XXXX Opened : XX/XX/2018 Amt. XXXX Please include my Police Report and Identity Theft Report that you have on file to the Dispute.

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 2020-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I have an email from an employee of XXXX XXXX XXXX XXXX by the name of XXXX XXXX who analyzed my credit report and gave me a summary of the repairs that would be made on my credit report. 
On XX/XX/XXXX, I received an email from XXXX XXXX, Senior Consultant, employee of XXXX XXXX XXXX XXXX who informed me that XXXX XXXX was no longer employed by them and that he would be assisting me. 
On XXXX, I received another email from XXXX XXXX and telephonic communication who helped me to sign my contract through a company by the name of NOTARIZE through live video and audio conference call. 
On XX/XX/XXXX payment of {$500.00} deposit, XX/XX/XXXX payment of {$400.00} and XX/XX/XXXX payment of {$400.00}. 
As of XX/XX/XXXX, It was my belief that XXXX XXXX began to repair my credit. I was told by XXXX XXXX that they were going to place fraud alerts with the bureaus so that my credit would not be accessed as they were attempting to repair. As the months passed, I received lots of emails from the bureaus and saw an increase in my credit score. At some point, I had a question regarding a creditor on my credit report and was unable to contact XXXX XXXX. I kept calling and finally got an agent who told me that they were having some technical issues with their website but that they were working on it and that she would contact the back office to inform them of my concerns. I never heard from XXXX XXXX from that point. As I review my credit score now, it appears that my score has dropped to the score or below the score that I originally had when I first contacted XXXX XXXX. I'm not sure if XXXX  reversed the scores or if the bureaus reversed the score, but I would like it to be investigated.

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 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Fraudulent Accounts appearing and Inquiries on Credit Report. 


Inquiries fraudulent accounts and inquiries appearing on credit report. Inquiries 1XXXX XXXX XXXX 2.XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX 6. XXXX 7 XXXX XXXX XXXX 8 XXXX 9 XXXX XXXX XXXX 10 XXXX 11 XXXX XXXX XXXX 12. 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 non-monetary relief
Consumer complaint received 2023-01-20
Company: SYNCHRONY FINANCIAL
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX I sent {$10.00} to Sychrony from XXXX attracted by their advertised 3.75 % rate on a high yield savings account. After this posted, I then sent {$4900.00} on XX/XX/XXXX. 

I opened an account with them after reading decent reviews, but after doing more research, I have found lots of negative reviews and I do not have reason to trust this bank. 

Today, on XX/XX/XXXX am trying to close my account with Synchrony and return the funds to the account that I funded my Synchrony account with ( my trusted XXXX bank account ). Here is the rub. I am currently overseas living in XXXX on a work visa XXXX XXXX XXXX XXXXXXXX XXXX. I do not have access to my US phone number while physcially in XXXX and can not pass their 2 factor authentication to log into my account and make a transfer and close the account. When I called their account, they told me they had to confer with the back office in and make a decision. They did not provide a case number, just a name of a supervisor along with their extension. This seemed suspicious to me. I read more reviews of their negative customer service and now I am worried about my money. I want it back in the bank account ( XXXX ) I used to fund this account and I want to close my account with them.

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 2021-03-02
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I noticed that XXXX XXXX XXXX Loancare '' had debited my escrow account {$2900.00}. They claimed the amount was sent for my taxes to XXXX. The problem is that I no longer owe taxes on my home due to laws in Texas for vets, XXXX and elderly. When I called and told them that I owed no taxes and asked them for a bill, they could not provide one. They admitted that they had never been billed by my tax authority and had no idea where the amount came from. They " started '' a process to fix it. I waited two weeks. I contacted them again. They had done nothing on the account. This time the customer service rep was rude, she screamed at me. She claimed that I was at fault for them sending the amount because " you have only been with us two years and you must not know how much your taxes are and if you don't owe taxes it is up to you to stop us from sending money each year. '' When I said that was bogus, she blamed the postal service. When I wouldn't accept that, she left me on hold for an hour and hung up. I made a complaint to the XXXX  They restarted the 30 day period but still did nothing. I had to call XXXX, the tax authority when they got the check from the escrow on XX/XX/XXXX. I had to ask them to refund it and resent it to the escrow. That has been done. Loancare has still not credited the account. I sent Loancare, on XX/XX/XXXX, the copy of the tax bill showing that I don't owe taxes last year and won't owe them this year. My escrow review is this month and they have had more than two months two fix this. They have done nothing. They are intentionally trying to triple my escrow payments to make money on my escrow. They have not fixed my 2021 estimated taxes. They have not fixed the issue with them sending ( with no tax bill ) all of my escrow account to an entity that did not even have money owed. They continue to make promises over many, many phone calls but do not make a single change to the account. They have far surpassed the 30 days they have by law to fix and reply.

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 2023-06-03
Company: Capstone Credit & Collection, LLC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Capstone collection is fraudulently adding collection accounts my credit report without providing the liable signature document showing proof of ownership to the collection account, I never lived or applied at XXXX XXXX and they added a collection to my credit report without attempting to call to verify nor did I receive any mail

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: EQUIFAX, INC.
State: AL
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: Investigation took more than 30 days

Complaint:
I sent a letter certified to Equifax, XXXX, and XXXX  on XX/XX/2020 I would like to know why I have not received any response. From my understanding they have 30 days to respond it is now 60 days and according to FCRA if no response all unverifiable, inaccurate information must be removed. This is causing me stress as I am already getting over CVOID and I can't handle any more stress. I asked that you follow the law as you expect me to do and address my concerns in my letter.

Company response to consumer: Closed with explanation