BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Trans Union is reporting items on the credit report that are incorrect. I have made numerous attempts to correct this matter with them. Sent via unites States Registered Mail RF 451 834 866 US To Whom It may Concern : Social Security number ends in XXXX email : XXXX Pursuant to 15 USC 1681 a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card under 15USC 1681 is the same as it is under 15USC 1602 ( I ) which is " the term '' credit card '' means any card, plate, coupon book or other credit device existing for the purpose obtaining, money, property, labor or services on credit. '' Notice, Congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681 a ( 2 ) ( B ). I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title XXXX Chapter XXXX. The accounts they are reporting that need to be deleted permanently/removed permanently are as follows : Account holder not borrower XXXX XXXX Account # XXXX Account holder not borrowerXXXX XXXX Account # XXXX Account holder not borrower XXXX Account # XXXX Account holder not borrower XXXX XXXX Account # XXXX Account holder not borrower XXXX XXXX Account # XXXX Account holder not borrower XXXX XXXX Account # XXXX Account holder not borrower XXXX XXXX  Account # XXXX Account holder not borrower XXXX XXXX Account # XXXX Account holder not borrower XXXX XXXX Account # XXXX Account holder not borrower XXXX XXXX Account # XXXX Account holder not borrower XXXX XXXX XXXX Account # XXXX Account holder not borrower XXXX Account # XXXX Account holder not borrower XXXX Account # XXXX Account holder not borrower XXXX XXXX Account # XXXX Account holder not borrower XXXX Account # XXXX Account holder not borrower XXXX XXXX XXXX Account # XXXX Account holder not borrower XXXX XXXX Account # XXXX Account holder not borrower XXXX XXXX XXXX Account # XXXX Account holder not borrower XXXX  XXXX Account # 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 2021-05-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My sister got a call on XX/XX/XXXX from a a company claiming to be XXXX XXXX XXXX XXXX XXXX  and gave her a file number and told her to relay the message to me and call them at ( XXXX ). I called them back and they told me they were trying to collect on a debt I settled with XXXX XXXX XXXX in XXXX. They told me I had 24 hours to fax them the info to ( XXXX ). And if I had any other questions to call XXXX XXXX at ( XXXX ). I called XXXX the next day and asked if could get the address to their location. He refused to give me the address stating they work from home due to covid. To settle it I faxed them my papers that I had paid it off in XXXX. When I originally spoke to them the first time they had all my information ss number and all

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 2020-09-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have filed disputes with Experian, XXXX and XXXX  back in XXXX this is almost XXXX and I still haven't received anything. This is not fair that it is taking so long to get my results. I know they are supposed to reply within 30 days and they have not.

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 2021-07-17
Company: Resurgent Capital Services L.P.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XX/XX/XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have filed disputes with XXXX, Transunion and XXXX  back in XXXX this is almost XXXX and I still haven't received anything. This is not fair that it is taking so long to get my results. I know they are supposed to reply within 30 days and they have not.

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 2021-05-08
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: Was not notified of investigation status or results

Complaint:
I mailed Equifax a dispute on XX/XX/2021 for reporting inaccurate information. I was not been notified of investigation status or results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: Experian Information Solutions Inc.
State: TX
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 below information was also sent directly to XXXX XXXX on XX/XX/ XX/XX/XXXX. I have yet to receive a response from them. When I called a few weeks ago to check in, the agent said my paperwork was " lost '' but that they found my fax and were working on it. I have been very patient but felt it was now necessary to report this through the CFPB. -- -- -- -- -- On Monday, XX/XX/XX/XX/XXXX, I was informed about an offer to add authorized users to my Platinum card. I was informed by several agents both with Platinum Customer Service and New Accounts that adding authorized users would not result in a hard inquiry for myself or the authorized users. Therefore, I went ahead and added an authorized user to my account. Later in the week of XX/XX/XXXX, I was notified that I had received a hard credit inquiry. After learning about the hard inquiry, I contacted XXXX XXXX on XX/XX/XXXX to understand the situation. Several agents again said they had never heard of hard inquiries resulting from adding authorized users. I am requesting that this hard inquiry be removed from my Experian account. I was directly informed by multiple agents on recorded calls that adding authorized users would not result in a hard credit for either myself or my authorized users.

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 2020-09-23
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Between Customer and Quicken Loans 1 ) Customer : We received a letter from XXXX that stated the mortgage company was amended to quicken loans effective XX/XX/XXXX - there was no closing date set, and earlier correspondence only indicated target closing by XX/XX/XXXX. We've received this for our home insurance and earthquake insurance, and I've attached examples for both. Did the loan underwriter specifically ask for both our home insurance and earthquake insurance to be updated? 
Quicken Loans : We request these just because were paying off the old loan and establishing the new loan. 

Customer : There never was a closing date set that would have permitted the change to be set up, and our insurance company has flagged fraudulent activity and incorrect records. 

Quicken Loans : The closing date we have on file is an estimated closing date, as we move a little bit closer to getting this wrapped up and completed for you someone from our closing team is going to be in touch with you as to a good time and a good date to close! 

Customer Concerns : the loan still had not closed as of XX/XX/XXXX, at which point SafeCo insurance had reflected Quicken as the current lienholder for over a month, as requested by Quicken loans in late XXXX. 
Our insurance agent would be happy to speak further about their POV that this is fraud by quicken loans. 

2 ) Customer : Can you provide an explanation of where we specifically agreed in writing to allow credit to automatically pull again due to the timing lapsed in the loan? 
( credit was originally pulled XX/XX/XXXX XXXX Quicken Loans : The credit report that we originally had on file is valid for about 90 days, once the credit report has hit that mark then we must repull a new one and get the updated report on file. It looks like due to a recent credit inquiry on XX/XX/XXXX we were verifying no new debt or further credit was extended to either of you. 

Customer Concerns : The credit report is said to be valid for 90 days, but credit was re-pulled at 60 days. And we did not receive a clear explanation of where we authorized automatic credit pull in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
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: Account status incorrect

Complaint:
I sent the dispute through the credit agencies. XXXX changed it but the others have not. XXXX XXXX private student loan was charged off. Then they forgave the entire amount sent me a 1099M for XXXX and I claimed it on my Taxes in XXXX of XXXX. 

Its still currently showing up on my credit report as charged off in Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: Collins & Hilton Asset Group, LLC
State: GA
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:
Dear Collector : I just noticed that your company is reporting the following account listed below on my credit report. 
Creditor : Account : This letter is not a refusal to pay. However, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request validation from third party collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1. Proof that you either own or were assigned the debt from the creditor.

2. Proof that you have the right to collect this debt in my state.

3. Proof that your company carries a bond.

4. Proof of how your company assessed the outstanding debt.

5. Payment history from the original creditor.

6. Name and address from the original creditor.

7. Copy of the original contract bearing my signature.

8. Chain of title on this debt.

9. Proof that you can collect this debt from me.

10.Do you own or is this debt assigned?

11.Copies of all letters sent to me from you and the original creditor regarding this debt.

12.How much did you buy the debt for?

13.When was the last date a payment was made on this debt?

14.What fees/interest was tacked onto the debt?

15.How were the fees determined?

Thank you for your time and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
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: Their investigation did not fix an error on your report

Complaint:
My first letter to Equifax was on XXXX, This inaccurate information is continuing to damage my credit and inability to obtain credit. 
Equifax is reporting XXXXXXXX XXXX # XXXX, {$3200.00} as a charge off This loan was paid off in XX/XX/XXXX never late. 

They are also reporting an inaccurate address : XXXX XXXX XXXX, XXXX, AL XXXX even though I sent an affidavit of correct information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-13
Company: General Motors Financial Company, Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had an auto loan through GM Financial in 2013. Unfortunately one month after I purchased the vehicle my husband was hit by another car on his way to work and the car was totalled. I was toldby my insurance company that the car was being totalled and they were sending the full payment to pay off the balance of the auto loan. GM financial marked my account as late during that time. 

It is now 5 years later but this account still shows the status as " 60 days late '' on my credit report. I have attempted to dispute this information through the credit bureaus and GM Financial refuses to correct the current account status. Account status should be paid in full. 

This has been negatively impacting my credit for years which is extremely unfair when I didn't even do anything wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-23
Company: Capital Accounts, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed the account on numerous occasions and it always come back verified so I asked the company to send me verification including a copy of my signature and I haven't received anything. By law this account is to be deleted if there's no verification. 

Capital Accts # XXXX XXXX  XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XX/XX/2016 *date first reported* XXXX *reported amount*

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 2021-07-17
Company: Commonwealth Financial Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My child was seen at a hospital XXXX  XXXX XXXX XXXX in XXXX he was seen numerous times before. My son had insurance XXXX and I have proof that he was insured. The hospital did not bill his insurance even after I called with information when they tried to bill me privately. Instead they sold my information to bill collectors and did not resolve. I have disputed multiple companies that are trying to collect this charge and now I have two companies on my report for the same thing. This should have been dropped from my report. I should have filed a grievance thru my insurance and maybe they would have been forced to bill my sons insurance and therefore I wouldnt be dealing with harassment from XXXX agency XXXX XXXX  XXXX. COMMONWEALTH FINANCIAL OPENED TWO COLLECTIONS AGAINST ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: WELLS FARGO & COMPANY
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I applied for loan for through credit karma and got a call from a representative claiming that the loan amount I applied for was accepted. And that his name was from XXXX XXXX. And I was approve for the amount of installment loan. And can have it available in the next business day. This sound right because I have used other loan companies and this is the steps that were used. He verified my bank account and rounting number. And then I got a email with a update account notices I tried to discuss with them that I didnt and email with the repayment plain. And he placed me on hold. I started to receive notifications of a claim being on my account. For incorrect amount of A little after that I received a XXXX confirmation transfer for a person I dont know contacted Wells Fargo and explain the problem. That claim was made by me and was not need that was a pass rent payment. And the XXXX transfer is another fraud charge I had to have my account frozen and new open account open but wells Fargo still apply the same transfer to the new account. I everytime I block this company they will make a new number and call and text again.

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 2018-02-14
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have an account with Coinbase since XX/XX/2017. My identity got verified, and I started adding money to this wallet and transacting in cryptocurrencies. On XX/XX/XXXX, trading was XXXX on my account when I tried to add a new bank account. I sent in requests to check what the issue was, but I never received a response. After a few days on XX/XX/XXXX, I finally was able to get a hold of a customer care rep on the phone after holding for XXXX hours, who gave me a case # XXXX. She told me that she had expedited my case and specialists would be looking into the matter, and it should be solved within XXXX business days. By this time, I was not able to log into my coinbase or XXXX account. I was not able to access any of the funds in my account, conduct any transactions of buys/sells, or transfer my money to a different platform. I didn't hear from them for another month. I called customer service again on XX/XX/XXXX to check in, and the customer service rep was confused about why the case was taking so long or what the issue was, but said that specialists were still looking at my account and would be in touch when the issue had been resolved. It's been 15 days since then XXXX XX/XX/XXXX today ), and I haven't received any communication from their side. I still can not log into my account or access my funds. Coinbase is taking an obnoxiously long time to enable trading on my account again. I should at lease be able to log into my account and move the funds away if I want to. This is absolutely frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is the Fifth time I am re opening the Complaint. The company keeps responding and closing the ticket. The response is not per my expectation. I want the company to look for the evidence where the customer service rep had taken notes about forgiving the late fee. My Home Mortgage was initially with MB financial Bank. Last year in XXXX MB Financial was acquired by Fifth Third Bank. Back in Summer XXXX, due to a payroll system upgrade in my company i got paid on the last day of the month. Since i was getting paid on the last day of the month, i called MB financial to explain my situation and request that since this not a permanent situation they should not charge me late fee since i will be making payments on the last day or the XXXX of each month. The customer service representative at MB financial agreed to my request and mentioned that they have made a note in the system with my request and the reason for the request. Now when i get my statements it shows that i have past due late fee balance of {$1000.00} which is not correct. I called Fifth Third a couple of times in the past for this issue. The customer service representative always said that they dont see anything at their end in the system. I was under the impression that the matter has been taken care of and i would start receiving updated statements with no balance due. I am still receiving the statements that show i have {$1000.00} past due amount. On XX/XX/XXXX, i spoke to the supervisor at Fifth Third Bank and upon further investigation she found the note that explained my situation back in XXXX but she mentioned she was not able to find the note that said they would waive my late fee. The note she had in the system was incomplete. She also mentioned that {$500.00} late fee was carried over by MB financial to Fifth Third Bank. I am having issues with Fifth Third Bank customer service. Just last month they had but my mortgage in forbearance plan whereas i had called to request them not to put my mortgage in forbearance plan. The customer service is not making notes correctly and for my late fee up until Friday XX/XX/XXXX they kept saying they dont see any late fee in the system but on escalating the issue to the supervisor she found the late fee and the incomplete note. In this pandemic, i am trying to save on my money and paying {$1000.00} as late fee for no fault of mine is unfair. The customer service representative have failed to provide the service i have requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I applied for the Apple credit card and was notified that all I needed to do was added XXXX XXXX wlet to use. Apple XXXX keeps making me apply again because I not using the correct apple ID. Contact apple to notify them that I never open through a different apple I'd but she in the process of fixing it The person that open account already called and close the account. They are able to pull up my social is so that I have had an account open but show that it was closed. Now theyre not allowing me to open up a new account because he keeps on denying me. Purchases which also made all my XXXX XXXX XXXX do you Apple and XXXX And I provide them all information and they are still unable to pull up any information even though I have receipts proving it. The person is calling in changing information and blocking my accounts so Im unable to access them and purchase anything to Apple. I have 10 college and I need to purchase equipment in order to finish my degree in an able to need assistance

Company response to consumer: Closed with explanation