BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On my XXXX credit report there exist two hard inquiries by ( BOA ) Bank of America dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I contacted ( BOA ) spoke with a representative and requested a letter of deletion. They said NO because I requested a credit line increase and the inquiry was valid. It was never disclosed to me at the time of my inquiry that a credit report would be pulled ; and when I asked for proof of said I was told " they can not provide this information to me. I responded by saying " I have a legal right to this information ''. I was agan denied ; and was told that a complaint would be filed. I the spoke with a supervisor who said " They do not have a scripts that require them to inform customers nor are they required to because it is in there terms and conditions. I responded by asking where?, because I could not find this in there terms and conditions. I am affirmed that this encounter was deceptive and violates my right in making an informed decission. My right to disclosure at the time of said is without parallel.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: EQUIFAX, INC.
State: CO
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:
On XXXX XXXX, XXXX, a 33 month business lease in the amount of {$10000.00} was opened by a Texas corporation that has the same name as my company which is a Florida corporation. The lease agreement contains my electronic signature as a co-signor which I never authorized. When I found this lease on my business credit report I contacted the company in XXXX, XXXX and submitted a notarized Affidavit with the company dated XXXX XXXX, XXXX, which verified that this lease was never opened or authorized by my company. On XXXX XXXX, XXXX, the company sent me a letter stating that their investigation deemed my claim to be valid and they would send Universal Data Forms to XXXX and Equifax to request the tradeline be deleted in its entirety from my credit report. Equifax never removed the item. on XXXX XXXX, XXXX, I once again contacted the company and they once again sent the request to Equifax to remove the tradeline. I submitted a Commercial Research Request Form to Equifax on XXXX XXXX, XXXX, stating this was never my account and to please remove it from my report. The lease company was contacted numerous more times and I spoke to their Legal Resolutions Coordinator who stated they would once again send the Universal Data Forms to Equifax. No results from Equifax. I contacted the Legal Resolutions Coordinator Supervisor on XXXX XXXX, XXXX, who telephoned Equifax and spoke to someone in addition to filing a dispute with Equifax stating this was not my account. I received an email on XXXX XXXX, XXXX, from Equifax stating the dispute was being investigated and I would receive the results via email by XXXX XXXX, XXXX. Since I did not receive an email from Equifax as to the results of the dispute I checked the status of the dispute today, XXXX XXXX, XXXX. Equifax states the result of their investigation confirms that this account belongs to me and to contact the lease company for any questions. I once again called the Supervisor of the Legal Resolution department who stated unequivocally that they submitted the information to Equifax that this account does not belong to me and should be removed from my credit report. The lease company does not know what else they can do to get Equifax to remove this item. I am also at a complete loss as to how to get Equifax to remove this item and how they can continue to claim this account belongs to me when they have received numerous information from the lease company that it does not belong to me. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: CURO Intermediate Holdings
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
The day before the payday loan that I had was due my account and card were both locked by Speedy Cash. I was unable to log into the account to make any payments or review loan information. The company said this was an internal security precaution and that I should use an ID to pay in person. After visiting a Speedy Cash branch, I was told that my prepaid debit card had been locked and that it would not be possible to process any future payments. Two years later, on XX/XX/19, a derogatory entry from a collection agency for a Speedy Cash payday loan, suddenly appeared on my credit report. I was not contacted by Speedy Cash in any way and did not receive notice from a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received an addendum to notice of servicing transfer stating that as of XX/XX/XXXXthe principal of my account is {$13000.00} and on XX/XX/XXXXI received a statement showing my outstanding balance is {$15000.00}. I made a payment for XX/XX/XXXXand XX/XX/XXXXso how did my balance increase to that amount? Also what happened to the payments I made from XXXXXX/XX/XXXX? I have been paying on this mortgage for about 40 years and it should have been paid off in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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: Overcharged for something you did purchase with the card

Complaint:
I have spoken with a representative in the Secure Credit Card department regarding my security deposit {$300.00} that I suppose to receive, the representative was extremely rude and when I went over the transaction with her I confirmed with her that my account was not over draft by {$300.00} but only over the credit limit in the amount of {$25.00}. I also advise her the balance of {$25.00} was paid. 

I then call again today XXXX/XXXX/XXXX spoken with another rude representative XXXX ID # : XXXX, she began to talk with me like I was XXXX, when I asked to speak with the legal department she left me on hold and did n't come back to the phone. I also asked her whom can I contact to file a complaint against she then replied who do n't have a legal department, I then ask to speak with her supervisor she turned around and lied to me on the phone and stated she do n't have a supervisor, I requested to speak with her Operations Manager she said she do n't have none of them either. I begin to getting very irate, she act like she didnt want to help anyone by phone. I just want someone from another department that close to the Office of The CEO to handle this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: EQUIFAX, 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:
I disputed several erroneous accounts, address and inquiries in late XX/XX/2018, with all three credit bureaus. I believe I am a victim of identity theft due to multiple security breaches on my personal accounts. I am requesting the incorrect information is removed and blocked immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
on XX/XX/XXXX 2016 I when the XXXX in XXXX XXXX texas XXXX XXXX and they charged me too ( XXXX ) much for basically no treatment just paper work on how I should treat for what I went for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We filed a CFPB complaint against HFC for valuation fraud and they responded by telling me that i didnt send the complaint to the right lender. This is just another attempt by HFC to defraud their clients. I want this STOPPED. It is obvious that i sent both CFPB complaints to the same lender -- SEE ATTACHED COMPLAINTS FILED XX/XX/XXXX AND XX/XX/XXXX WITH LENDER INFO CIRCLED IN RED. They responded to the 1st complaint by stating that they do not have to follow CFPB guidelines. They responded to the 2nd complaint by stating i didnt send the complaint to the  right company. Both of these are examples of misdirection and fraud. It is obvious HFC has no desire to adhere to any kind of moral guidelines, much less following the laws set forth to protect the consumer. I have attached both of the previous CFPB complaints here. It is obvious they were both sent to the same company - HFC. Why is HFC allowed to continue this FRAUD??

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Loan not in my name, grand deed done XX/XX/XXXX and have power of attorney dated XX/XX/XXXX, know loan not in my name but power of attorney is exclusive for the loan, modification etc. faxed paperwork XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX was all complete, have a rep but rarely calls back, always loosing paperwork etc. Called XX/XX/XXXX was on hold for over an hour, per california law loan was never reviewed for modification, rep was on vacation, transferred to 6 different departments, finally loss mitigation rep said would have a manager call me back the XX/XX/XXXX or XX/XX/XXXX, NO CALL! Paperwork was in before sale date, have proof of everything and yet to have a return call WITH MESSAGE LEFT! My cousin has been faxing, calling, faxing, yet no one responds back!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: ALLY FINANCIAL INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I called all of these companies on XX/XX/XXXX to get some understanding of why they was on my XXXX report XX/XX/XXXX as a inquirie. They ask did i apply for a car or co-sign i repeated " No i dont even have a driver license nor did i co sign for anybody ''. They agree to send notice to the Credit Bureau agree to delete. Well here we are XX/XX/XXXX and it is still on there.

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 2022-10-04
Company: Medical Data Systems, Inc.
State: NC
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:
XXXX XXXX failed to bill my insurance company for a date of service under which I was covered by insurance, then subsequently reported my non-public personal information to a non-affiliated third party without my authorization. If somehow they did fraudulently obtain authorization, I was never given the option to opt-out of such reporting. They continue to fail to take responsibility for their error. 

I am emotionally anguished and distressed by constantly attempting to have this error corrected to no avail despite clear and blatant violations of my consumer rights. This false negative reporting has caused credit defamation and I have suffered repeated denials of credit, embarrassment and financial strife.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
There are several accounts that are on my credit report that don't belong to me, I have replaced my ID, disputed these transactions with the company and if its not resolved this time I will be filing a police report. the accounts that are not mine and need to be removed are listed below. XXXX XXXX/XXXX XXXX   : balance XXXX. XXXX XXXX : balance XXXX, XXXX XXXX XXXX : Balance XXXX XXXX XXXX balance XXXX. XXXX  XXXX XXXX : balance XXXX and XXXX. XXXX XXXX XXXX XXXX : balance XXXX. XXXX XXXX XXXX : balance XXXX. XXXX/XXXX XXXX : balance XXXX. XXXX XXXX XXXX : balance 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 2018-01-10
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
written XXXX letters on XX/XX/XXXX, and informed them that I am a victim of XXXX, Experian security breach. Requested that the following inquiries deleted off my credit report. Experian never responded to me. The inquiries doe not belong to me : XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/ XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2019-07-29
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:
I have been locked out of my online social security account from XX/XX/2019 that tried to log in and was unable to create a new account with the help of the SSA because Equifax data was breached and all my security answers to the questions to my file were wrong. 
the addresses, the mortgage loan, etc was unknown to me. 
I tried to contact Equifax as told by SSA to fix this issue but had no response in 4 months. 
Please fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
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: Information belongs to someone else

Complaint:
This account was opened fraudulently as a result of ID theft. Furthermore it was previously dismissed as fraud when XXXX XXXX attempted to illegally collect on the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-10
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Southwest Credit Systems, L.P. on XXXX-2017 that negative item was placed on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Requested Southwest Credit Systems, L.P., to remove incorrect information off my credit report. More importantly, Southwest Credit Systems, LP are in violation of FACTA section 623 ( A ) ( 7 ). Never received any mail from Southwest Credit Systems , L.P .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am saddened to report that Equifax, XXXX and XXXX are reporting fraudulent information on my credit reports. I did my very best to resolve this issue by submitting a FTC report to prove the accounts don't belong to me. However, they continue to blatantly disregard the affidavit. This act of inconsideration and disrespect is causing me extreme anguish and Im strongly considering seeking litigation. Please help me ASAP. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: AR Resources, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This debt was discharged when I filed Bankruptcy. I also received 100 % financial help fr the hospital for the months of XX/XX/XXXX and XX/XX/XXXX. Please remove this debt from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: LoanHero, Inc
State: IA
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:
LoanHero has an account reporting negatively and the account is not me. I called them and was told they were unsure why that was reporting negatively because that company had been shut down.

Company response to consumer: Untimely response
Consumer complaint received 2018-01-10
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have had a Coinbase/XXXX account for approximately 8 months now, as of XX/XX/XXXX my XXXX account was locked with the message " Attention required! Trading functionality has been temporarily suspended on your XXXX account. In order to restore trading functionality, please contact XXXX " when i reached out to support via email or phone all i am being told is that a specialist has to unlock my account but no one can tell me exactly when that would be. I have read reddit and see i am not the only one having this problem, some people claiming to be waiting upwards of 60 days. I had asked for them to write me a check for the amount owed to me which is around {$6900.00}, I do n't have the exact amount due to not having access to my account. But was told nothing could be done till the specialist unlocked my account. Its going on a month that i am unable to withdraw my funds, i would think it would be borderline illegal to be doing so. Without making a valid attempt to retrieve my account and get my assets back into my possession! Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company continues to contact my family and provides information about my personal situation with them. They called every one of my siblings and told them legal action was being pursued against me. This information should not be shared with my family. Each family member received a message on X/XX/18 with my personal information. I have previously sent a cease and desist letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-10
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I accidentally put in an incorrect reference number when i was making an international payment to coinbase for my account, and I have contacted my bank XXXX who have not been able to tell what has happened, only that they are not able to trace the money as coinbase now have it in their system. Coinbase have absolutely no customer service and it is disgraceful, they should not be allowed to operate as the no1 cryptocurrency investment site. I have tried to message their support team on the website providing all my details, I had my bank amend the transaction so the correct reference number was added to the payment but I have heard nothing from coinbase, and I have not been told there has been any interaction between coinbase and XXXX. How can a site as big as coinbase is now not have a telephone service running which I can call? It is shocking and have never experienced anything like this. I simply want my money to be placed into my account and to have some interaction with coinbase as they are leaving others like me in the dark as I am not the only one to have issues with their customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The credit bureau is refusing to delete two collection accounts on my credit report that are not mine. The first account is with " XXXX XXXX XXXX '' for {$3800.00} with account number # XXXX. The second account is with " XXXX XXXX XXXX '' for {$1400.00} with account number # XXXX. I have spoken to representatives at both companies and the records that they have do not match my personal information. I was directed to dispute these errors with the credit bureau to have them deleted from my credit but the credit bureau is coming back telling me that I need to contact them back. I am being given the runaround when the issue is really with the credit bureau who does not want to fix their mistake.

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