BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-28
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company is continuously reporting this invalidated debt to my credit report. It does not belong to me. I have never received any written notification ever about this supposed debt. I have never been given a chance to validate this debt because I never receive any notification besides an alert on my credit report. This does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: U.S. BANCORP
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was experiencing a lot of problems with their website. I had to call their technical support, they too had trouble helping. I then was able to add my checking account, struggled to make a one-time payment, and then setup autopay. 
AutoPay did NOT work and I got stuck with a fee. I immediately logged back in as soon as I received an e-mail from them and paid 4 times as much as the required payment, then again re-setup autopay ( it took two attempts again .... ). I called today to discuss this with the customer service representative whom was extremely rude and provided ZERO assistance. Additionally, it appears that they dropped my credit line without any notice, nor could he say why. Horrible company to work with.

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 2020-05-15
Company: Experian Information Solutions Inc.
State: NC
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:
It all started in XXXX of last year when I got my report from Experian and saw things that was not mine. I decided to work on getting those things off my credit report. From the time I started repairing my credit up until now I have seen my right violated. The beginning of this year my rights has really being violated, and I have had enough! 

I sent out a dispute letter to Experian on XX/XX/2020 which was delivered on XXXX the XXXX disputing 8 inaccurate accounts demanding to see verifiable proof with my signature to verify that these accounts were mine. They had 30 days to reply according to the Fair Credit Reporting Act, which they sent me nothing. They had already violated my rights by being 30 days late. On XX/XX/XXXX I sent out a non-response letter which was delivered on XX/XX/XXXX I put some leg work or to say my DUE DILIGENCE to get them some proof that these accounts was inaccurate on my report. XXXX XXXX refuse to send me anything and XXXX XXXX sent me nothing! I asked Experian the question, If XXXX XXXX, and people refuse to send me anything ; how are you verifying, and validating this information? They finally sent me a one page something on XX/XX/XXXX which all it had on their was a list of accounts I disputed which wasn't all of them, and they had a account on their twice which is now reporting on my credit report twice! That has caused my score to drop badly!! Now that response letter was to the letter I sent on XX/XX/XXXX. 

After sending out that non-response letter on XX/XX/XXXX, they sent me back a response on XX/XX/XXXX with just two creditors on it which was the wrong creditors I never disputed those two accounts and now my two credit cards has been suspended because of this false reporting by Experian, and I really think they did that on purpose!

I just sent out another letter with all the violations of my rights and stated to them that I plan on reporting them to the FTC, CFPB, and the BBB as well as getting a FCRA LAWYER. Experian has really messed up my credit and they are still saying that all has been verified!

PS. If you need more information such as all my files I have I will send it to you, it's a lot of pages to upload.

Hope you can HELP Thanks, 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 2021-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Several accounts on my credit report are fraud opened account. Please look at the attached documents. TransUnion will not remove the fraud accounts even though I have provided proof. Please delete this stuff

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 2019-02-20
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
was contacted by Rushmore Loan service. regarding modification or short sale. 
XXXX XXXX XXXX and XXXX XXXX reached an agreement with the Department of Justice ( DOJ ) to address actions and practices relating to residential backed mortgages. 
when we contact Rushmore Loan Services, we were told to contact XXXX XXXX XXXX who never responds to out faxes, phone calls or emails. we have several good offers with cash buyers and pre-approved. we have submitted the short sale package with no response from the servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: Experian Information Solutions Inc.
State: MS
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:
I refinanced my home with XXXX XXXX XXXX which was fully funded XX/XX/2019 paid off! They reported me late XX/XX/XXXX and XX/XX/XXXX on a paid off loan!! I contacted them several times calling and mailed certified letters! Also with all three credit bureaus they reported back as accurate! How when the loan is paid off

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 2021-01-22
Company: Coinbase, Inc.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I sold my currency in an app called Coinbase, I have money that is listed as available for withdrawal, and every time I try to withdraw my money a box pops up saying I have XXXX dollars available.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-19
Company: Southwest Credit Systems, L.P.
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing to report and bring awareness to a recent letter I received in a fraudulent attempt to collect a debt from me, through a debt collection agency " Southwest Credit. '' Letter was dated XX/XX/2020 After checking with the " Creditor '' I was informed that no debt was ever owed to them and that my account was current. The Creditor also stated that they do not, and have never used this debt collection company to collect any debt. 

The name listed on the attached " collection letter '' is also not my full, legal name and not the name I have listed through the " Creditor. '' After contacting the debt collection agency " Southwest Credit, '' I inquired about the debt and how they got my information. The person on their toll free line stated they had " obtained it through the DMV, as people tend to move and they need a current address. '' I knew this statement was untrue, as my full name through The Department of Motor Vehicles is not what was listed on their letter. 

I am writing in the hope that people will not be taken advantage of by scams such as this. Many people whom do owe money may have not been aware or taken the steps to investigate the legitimacy of this intent and would have been taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: Payward Ventures Inc. dba Kraken
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Customer service does not have a contact phone number and takes an excessively long time to respond. 
Customer service is deceptive, unresponsive, and frequently inaccurate in their response. Multiple attempts at wire transfers failed to a previously authorized account. Inaccurate instructions were provided for 5 weeks in an attempt to resolve resulting in funds that are trapped with this supposed exchange. 
Inability to wire funds to New York State or Washington Site unavailable for over 10 days due to failed software update No ability to withdraw funds via manual check forcing additional fees to send money to another exchange if your bank account is in Washington or New York!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
XX/XX/XXXX - sent a XXXX XXXX XXXX  ( XXXX  ) check in the mail to our homeowners association ( HOA ) in the amount of {$1900.00} XX/XX/2018 - Check was deposited at Wells Fargo ; not the bank used by our HOA XX/XX/2018 - Received a letter from the HOA stating we were delinquent ; no check received - Filed fraud case with XXXX, case # XXXX - Filed case with United States Postal Inspection Service, case # XXXXXX/XX/XXXX - XXXX  requested documentation for the claim XX/XX/2018 - Requested documents sent to XXXX XX/XX/XXXXXX/XX/2018- Called XXXX for update and to try and get my money back so I can pay the HOA, XXXX stated they have tried to contact Wells Fargo, but there has been no response. ( There has been no response initiated by either XXXX or Wells Fargo to us, and no funds have been recouped by us as of XX/XX/2018).

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 2020-05-15
Company: Experian Information Solutions Inc.
State: GA
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 accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

I am attaching all the documentation that was submitted to all 3 bureaus ... ..none of the items were investigated or blocked and removed within the 4 day window to block and or remove per the Identity Theft Affidavit submitted or the 30 days allowed to investigate and therefore all the items listed in the attached documents by law should be deleted immediately.

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 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

I am attaching all the documentation that was submitted to all 3 bureaus ... ..none of the items were investigated or blocked and removed within the 4 day window to block and or remove per the Identity Theft Affidavit submitted or the 30 days allowed to investigate and therefore all the items listed in the attached documents by law should be deleted immediately.

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 2022-08-06
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have already tried to fix this issue with Experian in writing in XX/XX/2022 and also in XX/XX/2022. 

I have asked to update my XXXXXXXX XXXX Account on my Experian credit report to " PAID AS AGREED ''. 

This account continues to show lates and I was not late. 

The other 2 bureaus, XXXX XXXX XXXX XXXX already show that my account is PAID AS AGREED... it is Experian that hasn't updated this info yet. 

This is keeping my score down and affecting my ability to get credit and also insurance. 

Thank you for your help in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was charged a {$19.00} member fee from Capital One in XX/XX/2018. I was not notified of this, and had not used the card at all for months prior. Three months later ( XX/XX/2018 ), they reported me to the credit bureau for not paying what was now a bill of {$110.00} due to late fees.

This drastically dropped my credit score and has prevented me from buying a house. I do not think this is justified because I have never made a late payment before and I paid the full fee of {$110.00} on XX/XX/2018 immediately after realizing I had an unpaid balance. 

I would like this removed from my credit report as quickly as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
XXXX, XXXX XX/XX/2020 my account was the target of fraud and someone went to a ATM without my physical credit card and withdrew {$1000.00} from XXXX XXXX, CA. I submitted a claim to Bank Of America EDD and was presented with an adjustment credit of {$1000.00} to my account on XXXX XXXX 2020. I received a notice in the mail on XX/XX/2020 that my claim # XXXX was closed because it was believed to have been a subject of fraud and then temporary {$1000.00} credit was then adjusted out of my account on XXXX the XXXX, 2020. I still received my unemployment benefits to my EDD card and have not been able to access the last two deposits due to this negative balance that has resulted from the adjustment. I would like to have my claim reopened as I am in need of my funds and I do not know what else is needed to further substantiate my fraud claim. Speedy assistance and response is greatly appreciated

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 2021-11-29
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 entered into a contract to have my negative account deleted off my credit reports after I paid the entire balance of the account. the part of the agreement that was supposed to be upheld by the company has not. Therefore they have breached the contract

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 applied for a Capital One card, and got approved but they never sent the card to my house. Apparently they sent the card to someone because they claim I owe $XXXX.How I could owe $XXXX when I never received the card in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: VANDERBILT MORTGAGE & FINANCE, INC
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 status incorrect

Complaint:
During the loan I had late payments as I got near to paying off loan I requested that late payments be updated in agreement with paying loan off early. Vanderbilt company representive agreed to update my account status but informed me that it would take 30 days. I agreed for payment to post to pay of account XXXX XXXX 2017. I currently applied to pre qualify for a home loan and was informed that late payment was still on credit report. At this time I contacted Vanderbilt Mortgage and have received the worst service which I feel its because I do not have a open account being transferred from person to person being placed on hold for extended periods of time on several occasions from XXXX 2017 to XXXX XXXX 2017 DAILY. This company has provided me with the worst service and refuse to honor agreement 1. Because I am no longer a customer ( But offered to consider removal if I was applying for another home loan through Vanderbilt Mortgage ). 2. I 'm a XXXX XXXX Veterans that suffers with XXXX, XXXX XXXX and other XXXX XXXX which is triggered when I 'm spoken to aggressively which the representative have done repeatedly. 3. As a XXXX XXXX Male they show no concern for anything i have to say but I have listen to them talk to other XXXX customers and they are very respectful and courteous. I continue to ask that my late late payments be removed as agreed upon and honor my request quickly.

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 2020-10-28
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2020 or XX/XX/2020, I went to the XXXX car lot located on XXXX XXXX XXXX TX XXXX in XXXX Tx with my girlfriend wanting to get estimates on what it would take to purchase a truck with them. We were working with a new sales agent who told us that we could get purchase estimates without having to pull our credit. We said ok cool. She went to speak with her XXXX XXXX whom then came over and told us that they need to pull our credit to get the best estimates for us. We specifically told XXXX that if we were to finance, we would finance through XXXX XXXX  or XXXX. We specifically asked that they only run our credit through XXXX. We also specifically asked and verified that there would only be 1 inquiry placed on my credit report. XXXX told us that yes it would only be 1 inquiry. As they went to run my credit, I received notifications from my credit monitoring service saying that my credit has been pulled several times from companies that we never authorized. Not 1 of the inquiries was for XXXX. All of the inquiries were from other unauthorized companies. We never authorized these companies to obtain a copy of my credit report. The unauthorized companies are XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. They apologized for the mistake and basically told us there was nothing they can do. We requested something in writing stating that we did not authorize those inquiries and that it was a mistake on their end but they would not provide that. I would like for these unauthorized inquiries to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: EQUIFAX, INC.
State: MN
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 fair credit reporting act. the list of accounts shown below have violated my federally protected consumer rights to privacy and confidentially under 15 usc 1681 XXXX  account has violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX usc 1681section602a states i have a right to privacy.15 usc1681 section604a section2 it also states a consumer reporting agency can not furnish account without my written instructions, and i did not give written consent.15 usc 1681c ( a ) ( 5 ) 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 crime which antedates the report by more than 7 years.

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

Company response to consumer: Closed with explanation