BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-13
Company: Experian Information Solutions 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 XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  ( originator XXXX ) Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX. XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX ( originator XXXX 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. Also states a consumer reporting agency can not furnish an 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 2017-08-10
Company: Experian Information Solutions Inc.
State: NY
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 called XXXX today ( X/XX/17 ) to report that a hard inquiry from them appeared on my Experian Credit Report since I have never had a XXXX XXXX account, nor did i ever inquire into getting one. I was passed along to 10 different departments in their fraud department where they determined I, in fact, had no accounts at XXXX in my name and they suggested I file a report here. I would like this hard inquiry removed from credit score ASAP. I 've attached a screenshot of the hard credit inquiry from XXXX XXXX AND XXXX which appeared that same month. XXXX XXXX was able to let me file a complaint through their website, but both should be removed from my credit score 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 non-monetary relief
Consumer complaint received 2020-05-22
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:
On several occasions I have sent disputes regarding fraudulent activity with my Name and address to Experian. The following are fraudulent and need to be deleted from my credit report. 
Name : XXXX XXXX id # XXXX Name : XXXX XXXX XXXX id # XXXX Address : XXXX XXXX XXXX id # XXXX Address : XXXX XXXX XXXX id # XXXX Address : XXXX XXXX  XXXX id # XXXX I have sent my Drivers license/social security card/utility bill with correct name and address to Experian credit Company as this fraudulent activity continues to report without any help. Per the Fair debt reporting act all fraudulent activity should be investigated and items deleted. I have yet had a fair shot at these items to be deleted. All i'm asking for is deletion.I am applying for a mortgage shortly and need all my information to be correct when I apply.

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 2021-02-23
Company: Avant Holding Company, Inc.
State: NY
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 made aware that avant- was showing up on my credit report. However Ive never done business with them. I contacted them only to learn that a account was established using my name social security and other personal information. I contacted them informed them this account was a fraudulent account. I latter learned that the loan amount was {$3100.00} and that XXXX was payed back to them. Ive advised them that it didnt matter cause it wasnt mind and requested proof of verification and identity. To see how the account was established was told it was established online but they cant provide me with the documents I requested. And wouldnt be removing this information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
First of all the PHH Mortgage company is overcharging me for fees and late charges.I didn't know my mortgage was sold to PHH mortgage company in XXXX, XXXX. PHH mortgage had the wrong mailing address, they admitted they received the returned mail I have owned the house for over 17 years and i have never been harassed and charged so many fees. 
I know i have equity in the house and i feel like the mortgage company is purposely trying to make me lose the house and have it go in foreclosure. 
I have set up for automated payments and I had that canceled by them. 
I have also been making the payments and have had late on my credit reporting. This is the reporting for month on XXXX, XXXX & XX/XX/XXXX ( during the coronavirus ) This isn't my first home I have owned. I appreciate any help i can get to investigate this mortgage company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-23
Company: STERLING JEWELERS, INC.
State: NY
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 written XXXX XXXX XXXX XXXX letters to Kay Jewelers regarding their reporting of a fraudulent Kay Jewelers account to the mailing address listed on my credit reports to advise them regarding the fraudulently reporting account. Although the account is reporting a {$0.00} balance, the account does not belong to me and should not be reported on my credit reports because the account is a fraudulent account not belonging to me and credit reports are only supposed to contain accurate information. Despite mailing them the letters, the account continues reporting on my XXXX XXXX XXXX XXXX XXXXXXXX credit reports. The only communication that I have received from Kay Jewelers was a generic letter advising me that the account belongs to me because statements were mailed. I have never received any statements in the mail from Kay Jewelers.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Frontline Asset Strategies, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i Have been contacted by a debt collector on several occasions. Expressed to them that the total debt does not belong to me. After being sent an email to settle for {$700.00} on XX/XX/2020, Original amount was ( XXXX ). I disagreed because most of the debt is late fees that was charged on the account before it went into collections from the original company. I had expressed before account went into collections that this debt does not belong to me because I never used that much line of credit. They continued to ignore me causing the debt to increase because of late payments making it a total of ( XXXX ) which is mostly late fees. After disbursing this online and refusing to pay the {$700.00}, I received a derogatory mark on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i Have been contacted by a debt collector on several occasions. Expressed to them that the total debt does not belong to me. After being sent an email to settle for {$700.00} on XX/XX/2020, Original amount was ( XXXX ). I disagreed because most of the debt is late fees that was charged on the account before it went into collections from the original company. I had expressed before account went into collections that this debt does not belong to me because I never used that much line of credit. They continued to ignore me causing the debt to increase because of late payments making it a total of ( XXXX ) which is mostly late fees. After disbursing this online and refusing to pay the {$700.00}, I received a derogatory mark on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
REPORTING OF ADDRESSES THAT ARE NOT MINE


MY NAME IS XXXX XXXX XXXX 


MY ADDRESS IS 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
MY PHONE NUMBER IS

XXXX XXXX XXXX

MY EMAIL ADDRESS IS

XXXX


MY SECOND HOME ADDRESS IS 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX


15 U.S. Code  1681i

THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE

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 2020-01-22
Company: AES/PHEAA
State: NY
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 have called FedLoan multiple times since the last time I filed a CFPB complaint and they have been unable to fix an issue in which my account shows I owe money when I do not. 

In summary, over the past few months FedLoan gave me incorrect information and accidentally approved me for a repayment plan they were not supposed to approve me for which held up placing all of my loans in a REPAYE plan. I filed a CFPB complaint last month about this issue and they finally placed all of my loans in a REPAYE plan and stated on XX/XX/XXXX in their response to the complaint that " Forbearance has been applied to your loans through XX/XX/XXXX. '' Since that time, I have received multiple notices stating I owe {$3500.00} even though a forbearance was supposed to cover all payments prior to XX/XX/XXXX. I am not supposed to owe any money for the time period during which Fedloan was fixing their issue and my account is not reflecting this. Therefore, a forbearance was not applied to my loans even though their response to my last complaint said it was. 

On XX/XX/XXXX I spoke to an agent with ID # XXXX who told me the forbearance was being processed and it would take 10 days. Over 10 business days later, the forbearance was not in place. I called back on XX/XX/XXXX and spoke with agent XXXX ( ID # XXXX ) who assured me my forbearance extension forms were in place and that by the end of the business day of XX/XX/XXXX my account should have adjusted. My account did not adjust. Today on XX/XX/XXXX, I called Fedloan again. I spoke to agent XXXX ( ID # XXXX ) who stated " the incorrect forms were filed. '' He assured me that he now filed the correct forms and said at this time it will be another 2 weeks until these forms are processed for my forbearance to be applied to all loans through XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent a dispute to remove inaccurate information and the credit bureau still has not removed this information nor have they sent any proof to verify that this information is accurate.

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 2020-07-09
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:
These ppl are XXXX  of the earth I faxed over mailed copies of my SSN card driver license number card and utility bill iny name they still can't verify me let alone obtain annual credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: Bread Financial Holdings, Inc.
State: ID
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I got a Credit card with XXXX XXXX on XX/XX/XXXX. Only to get {$15.00} off of my purchase and I gave them the cash for the item so I wouldnt have to pay anything off on the credit card. I was confused the first time to have a payment which is why I paid it late, but when I did pay it I had the customer service with XXXX XXXX tell me the full amount I owed, then I paid it off in full and had her close my account on XX/XX/XXXX. There is absolutely no reason why I should owe them {$210.00} when I paid off the amount I owed and closed the account because I used he card only that one time when I first got it. I dont have money to pay for something I shouldnt owe.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have filed many complaints and police reports for a Wellsfargo account that is being reported to my XXXX  and today finally I was able to actually speak to someone in the ( special services department I was informed that since my file was previously mixed with someone else that that department would now always be the only ones to take my calls she also told me that I was not able to dispute an address on my file that was clearly fraudulent and did not belong to mw because it was tied to the Wellsfargo account! she refused to dispute that address for me and she said there was nothing I can doing asked her for her supervisor which is yet to call me her nam was MsXXXX in team XXXX  she also refused to assist me with other accounts that they are reporting wrong although the creditor is verifying with them that it is wrong! XXXX XXXX they are reporting late and self lender and bother creditors say that they can. not help me because thats not what they reflect on their end so what am I supposed to do? she also explained to me that she was not accepting my police report because I called them and out to my home how else was I supposed to inform them of what the problem was the report was in person but she still refused to accept it!

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 2018-02-07
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Since XXXX of 2017, Coinbase had sequestered all of my cash in my account and prevented me from accessing it. I had no control over my funds. I could not transfer or withdraw my cash which was not invested in any products. After being neglected for 2 months, Coinbase responded only after I filed a CFPB complaint. The issue has not yet been resolved because {$2500.00} USD is currently being frozen inside the account and I have no access to it. Even the technician  assigned to help my case was unaware of this. By viewing my transaction history, and using an API Key to track transactions, I have proof that {$2500.00} of my money is currently trapped in Coinbase and I need it back. I don't know why it was sequestered and no reason was given, even the technician seemed confused. Unprofessional and negligent, how did Coinbase pass the pre-requisites to handle financial assets? Coinbase does not seem to be capable of handling financial assets.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: ERC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, I see that you have reported inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. Right now Im demanding validation of this account : Enhanced Recovery Services Account # : XXXX Amount : {$2400.00} Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( Fields v. Wilber Law Firm Coppola v Arrow Financial Services ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( 73 Am Jr sect. 93 ) & ( Gearing v Check Brokerage Corporation ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started the process with Citi Mortgage on XX/XX/2021. At the time of this complaint, XX/XX/XXXX, I still have not finished the process of refinancing. 

The loan processing team and the underwriting team has a long queue time, with turnaround times usually around 2 to 4 weeks. 

However, they repeatedly denied my application over random documents. Each time, they file a " Notice of Incomplete Action Package ''. In total it was denied 6 times. 

The first time was in XX/XX/2021, second time was in XX/XX/2021, third time was in XX/XX/2021, forth time was in XX/XX/2021, fifth time in XX/XX/2021, XXXX time in XX/XX/2021, and XXXX time in XX/XX/2021. 

Each time the asks were mostly documents that I had already provided, but became outdated because of the long wait. Sometimes it was a document that I had already submitted, but for some reason they couldn't find it in the package. Sometimes it was a random inquiry on what my credit checks or financial transactions were, which is going to happen in a 6 months time span regardless. 

They took my {$860.00} fee that I paid in back in XX/XX/2021, and just never approved my loan. Me and my partner had over XXXX in annual income, and XXXX in liquid assets, and yet they could not approve a simple refinance. 

From what I heard, they were outsourcing their processing and underwriting team to XXXX. So I now have American information in a foreign country. I would have never signed up for this if I knew that the underwriting team was in a completely different country. How is there no privacy issues or identity theft issues when I sent all my sensitive documents to this company? 

If you are financing with Citi, stop and go to another company. They do not care about you, only about money. They will do whatever they can to abuse you. 

My Mortgage officer was XXXX XXXX XXXX, my Loan Processor was 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 2021-01-28
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX These unauthorized inquires I've sent on XX/XX/21 have been affecting my credit profile, and costing me XXXX  of dollars in interest that I cant get back, and also have been costing me job opportunities. It's been embarrassing for me and my family. It's already stressful during these times of covid, and I dont think I should be penalized for it. This is not a regular dispute. I have filed a complaint with the FTC and XXXX, and to my knowledge, I do not recall giving consent or written agreement for any of these inquiries. According to 15 US 1681 ( n ), and 1681 ( o ) this a direct violation of the law, and the fair credit reporting act. I need this problem to be handled expeditiously. I can not wait for another 30 to 45 days in the name of covid. I demand these accounts be removed immediately, please. I will file for litigation due to the stress thats being caused. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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: Other problem getting your report or credit score

Complaint:
I paid my car loan off on time and paid off other bills on my credit report and my credit score drop down very low from XXXX to XXXX when you pay bills off on time how they take my score down .now I can not get a car loan because my sore is very low .I was told my score will go up it went down.I talked to the three credit XXXX  transunion, XXXX. I talk to them around XXXX 2017-XXXXXX2017 ..

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