BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-25
Company: Credit Karma, LLC
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a current Credit Karma money spend & savings account customer. I have been having issues assessing my funds for going on a month now. I never received a physical debit card in the mail so I have been trying to link my virtual card to XXXX XXXX & I get an error message stating it's an error on their end, so I then linked & verified my external business checking account to my CK account so I could at least access my funds that way I was able to transfer money a few times that way & my account keeps getting Frozen then unfrozen. I'm also a small business owner who was affected by Covid, I recently applied & was approved for the EIDL advance loan for {$10000.00} had it deposited into my CK account thinking it would be safe & my loan was reversed reason stating " Account Frozen '' I called CK support bcuz I was so upset not understanding why my account had a freeze on it randomly and how I lost out on {$10000.00} because of it they then want to unfreeze my account after my grant loan money was already returned this is absurd! It will randomly be unfrozen I'll try to transfer money it will say it went through and then it will return it saying that my account 's Frozen again I call them every day sometimes five times a day trying to get resolution and nothing they all say the same thing that they're going to submit a ticket and it's going to be given to the specialized team and they will mark it priority and I will hear back from somebody I never hear back from anybody! I got through to one representative about 4 or 5 days ago she told me that she was able to get a hold of someone in the specialized team they were requesting documents front and back of my ID & a current bank statement from my linked external bank account I provided those documents my account was unfrozen only to be frozen a few hours later AGAIN! NOW I HAVE BEEN CALLING FOR DAYS AND I'M NOT GETTING ANY RESOLUTION NO ONE 'S GETTING BACK TO ME NO ONE WILL GIVE ME ANY ANSWERS AND I CAN'T ACCESS MY FUNDS I AM LITERALLY BROKE RIGHT NOW I DON'T HAVE {$1.00} TO MY NAME I HAVE KIDS THAT ARE HUNGRY I HAVE BILLS THAT I HAVE TO PAY NO GAS IN MY CAR EVERY TIME I CALL THESE PEOPLE I DO NOT GET AN ANSWER AND I'M NOT GETTING ANY RESOLUTION MY ACCOUNT IS STILL FROZEN NOW THIS IS THE LONGEST THAT IT'S GONE BEING FROZEN IT'S BEEN GETTING FROZEN IF THAT MAKES SENSE BUT NOW IT'S NOT BEING UNFROZEN AT ALL I'M NOT GETTING ANY RESPONSE FROM ANYBODY! MY LIVELIHOOD 'S BEING AFFECTED MY BUSINESS HAS BEEN AFFECTED AND MY CHILDREN ARE BEING AFFECTED BY THEM NOT RESOLVING THIS ISSUE AND ALLOWING ME TO ACCESS MY FUNDS! WITH THIS COMPLAINT I'M ATTACHING SCREENSHOTS OF MY CORRESPONDENCE WITH CREDIT KARMA TO PROVE I'M NOT GETTING ANY HELP AND THIS ISN'T EVEN HALF OF THEM THERE'S TOO MANY TO SEND! I just need my money!! PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: Westlake Services, LLC
State: AZ
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:
my credit report was obtained from the following companies without my authorization and is causing extreme damage to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX  insist in reporting a loan late on my credit even after I explain that was due from my ex wife. The divorce decree was provided to the XXXX XXXX and many times contact without a solution. Also the loan was under both our names and it has been reported only on my social security.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: EQUIFAX, INC.
State: CT
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 XXXX XXXX and i am submitting this compliant myself and there is not third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan is writing today to report and issue. 

I pulled my credit report and disputed items on my report to XXXX, EQUIFAX AND XXXX. They have not provided me with any original documents, and they have disregarded the law in saying they have verified the debt. Fair Reporting Act Section 609 ( a ) ( 1 ) ( A ) states you are required by federal law to verify through physical verification of the original signed consumer contract. I asked for verifiable proof ( an original consumer contract with my signature on it on 2 occasions : XX/XX/2021 & XX/XX/2021. The failure to positively these accounts has hurt my ability to obtain credit. They have taken advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt. They have not validated anything they have ruined my character and general reputation by reporting erroneous information on the consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. They act as if they are unaware of what I am requesting or that the law does not apply to them. 

In addition, per the Fair Credit Reporting Act they didnt notify me of the investigation results within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The following are a list of errors being asserted and requests for additional information covered by Regulation X, 12 C.F.R. : 1. Failure to provide an accurate payoff statement in violation of 1026.36 ( c ) ( 3 ). I received a Notice of Reposting and Sale notice from XXXX XXXX XXXX XXXX XXXX, XXXX. ( Exhibit A ) to foreclose on my house on XX/XX/XXXX. I have requested an accurate payoff amount which they have not provided. A Debt Collector in the state of Texas must validate the debt and 5 days prior to a foreclosure they are not able to provide anything. 

2. To date Select Portfolio Servicing ( SPS ) has not provided the historical records from the two previous loan servicers, XXXX and XXXX XXXX XXXX, to support alleged interest owed by me. Again, a current payoff statement has not been provided and a foreclosure is scheduled for XX/XX/XXXX. 

3. The principal amount owed on my note increased by {$7600.00} according to records provided by SPS to the CFPB in previous complaints ( Exhibit B ). SPS has not provided an explanation nor any documentation as to why the principal balance of the note increased by {$7600.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: WELLS FARGO & COMPANY
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Missed a payment got caught up with wells fargo and now they wan na say I'm two months behind

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 2018-01-17
Company: Paramount GR Holdings, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I spoke with XXXX XXXX XXXX XXXX He berated me over the telephone requiring me to send him personal information to prove that I pay for my own car payment and that my family is not receiving outside assistance to pay the monthly payment on my vehicle loan. He demanded much more private and personal information such as my ssn and my bank account number and home address and such. This loan is for my parents and yet I am receiving phone calls over and over and harassing emails from this individual about sending him the correct information including my social security number that I refuse to give.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
This complaint is about Coinbase. On XXXX XXXX XXXX XXXX I initiated a transaction to buy bitcoin. Total amount was {$7500.00}. 
This amount was withdrawn from my bank on XXXX XXXX. But this transaction is still pending as of XXXX XXXX and bitcoin has not been deposited yet. 

I have contacted customer service several times and no response yet. Due to lack of response for CS I am wary of doing any transactions with Coinbase. If a transaction gets stuck there is practically no recourse with this company. This means that all my money from in the account is stuck. 

Customer Support Case id is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
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:
XXXX, TransUnion and XXXX  are reporting incorrect accounts on my credit report. Here are a few details that you should be verifying are accurate : Account Number Creditor Name Open Date Charge off Date Payment History Borrower Names Balance I wrote a letter each of the three credit bureaus stating Ive found incorrect information that needs to be removed. XXXX XXXX, XXXX and 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 2018-10-30
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Debts is being in my credit report since 2013 and original amount is not {$1100.00} they being increasing amount and trying to collect amount not owned and not willing to negotiate. They Often reported it to credit bureaus and make vey hard to get qualified for new credit opportunities and rebuild my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: MOHELA
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
MOHELA reports I have several Student Loans open from XXXX XXXX University and XXXX XXXX XXXX College. I only took one student loan. through my family 's credit union, and it was paid off, and I have never attended XXXX XXXX XXXX College. I have contacted MOHELA to report fraudulent activity every year for the last 10 years, and have been promised a packet of paperwork would be sent to me in order to get the accounts removed from my name, however, MOHELA never sends me the paperwork

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: Ability Recovery Services, LLC
State: MI
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:
THIS COMPANY KEEPS REPORTING TO MY CREDIT FILE THAT I HAVE A DEBT COLLECTION WITH THEM, HOWEVER THAT IS INCORRECT. I ASKED THIS COMPANY BACK IN XX/XX/2019 TO PROVIDE ME WITH DOCUMENTS THAT PROVE THIS IS MY ACCOUNT, WHICH THEY DID NOT DO AND I KNOW THAT I HAVE RIGHTS TO ASK FOR THESE DOCUMENTS AS WELL AS I KNOW THAT CREDIT BUREAUS ARE SUPPOSE TO VERIFY THAT THE ACCOUNT IS MINE, HOWEVER IF THE CREDIT BUREAUS ARE GETTING THESE DOCUMENTS WHY HAVE I NOT SEEN THEM. I HAVE BEEN GOING BACK AND FORTH WITH THIS COMPANY WITH DIFFERENT CREDIT BUREAUS AND THE DEBT GETS DELETED BUT THEN THE DEBT COLLECTOR ADDS IT AGAIN AS ITS A NEW COLLECTION WITH A NEW OPEN DATE BY THE SAME COLLECTOR ( THE ACCOUNT WAS NOT SOLD TO ANOTHER COLLECTOR SO HOW IS THIS POSSIBLE? WHEN IN FACT IT IS NOT. CREDIT BUREAUS NEEDS TO PAY MORE ATTENTION TO WHAT THEY ARE DOING TO PEOPLES CREDIT FILE BECAUSE THERE ARE PEOPLE OUT HERE WHO DEPEND ON THEIR CREDIT. I REFUSE TO KEEP LETTING THIS COLLECTOR RUIN MY CREDIT WITH DEBTS THAT ARE NOT MINE. I WANT TO SEE PROOF AND I HAVE THAT RIGHT TO.AFTER YOU INVESTIGATE THIS MATTER PLEASE FIND A WAY TO HAVE THIS AGENCY STOP REPORTING FALSE DEBTS THAT I DO NOT OWE. THIS COMPANY HAS REPORTED THAT T

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 2019-02-10
Company: Experian Information Solutions Inc.
State: GA
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/XXXX I received my credit report from Experian, XXXX, and XXXX. I realized that there were hard inquiries on my credit fire that were not authorized by myself. These hard inquiries are negatively affecting my credit score and ability to get other sources of credit. Below is a list of the unauthorized hard inquiries on my credit file : 1. XXXX XXXX - XXXX XXXX, XXXX 2. XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX 3. XXXX XXXX - XXXX XXXX, XXXX 4. XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX 5. XXXX XXXX XXXX - XXXX XXXX, XXXX 6. XXXX XXXX XXXX - XXXX XXXX, XXXX 7. XXXX XXXX - XX/XX/XXXX 8. XXXX XXXX XXXX. - XX/XX/XXXX 9. XXXX XXXX - XX/XX/XXXX 10. XXXX XXXX - XX/XX/XXXX 11. XXXX XXXX XXXX - XX/XX/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 explanation
Consumer complaint received 2020-07-23
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Wells Fargo credit card charged off XXXX still appears on my credit report. 

Wells Fargo reaged the debt to make it look like it was charged off XXXX. 
It still remains on my credit file as a currently deliquent account. They have falsely claimed it was charged off XXXX. It was charged off XX/XX/XXXX Which is 7 years ago.

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 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
You didn't really have my issue as one of your options. I have basic and general complaint against Transunion. These credit agencies are terrible companies. They don't do anything to help consumers. They have only screwed me. They don't raise my credit score even if I have 0 collections reported, 100 % payment history. They don't share how they calculate my score yet they use it to allow banks and credit cards to XXXX me on interest rate. My score doesn't go higher with positive actions but if I use a credit card my score goes down substantially. It is a disgrace that banks use this unequal measure to legally discriminate against non rich people. They should be illegal. They really are only in collusion with banks and lenders and the XXXX of consumers. How can the consumer protection bureau allow these companies to XXXX over hard working americans by allowing banks to use a score that is so partial and non objective it is scary. Then they charge me to have access to my own information! How in the heck can that be right? I can get one free report a year? Why not any time I want. It's such a shame they make millions probably billions from my information then charge me for it. How about use some of that money they make and help people get out of debt?

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 2018-01-17
Company: CITIBANK, N.A.
State: FL
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:
In XX/XX/XXXX, I missed the first of my payments on two credit cards I had with Citibank. I was having a XXXX XXXX, and had extreme financial duress. Without the XXXX XXXX, I would n't be able to return to work. I called Citibank monthly to try and attempt setting up a payment plan, as I had successfully done with XXXX XXXX. ( I 've been a Citibank customer for more than 10 yrs ). I was told that unless I could pay the full amount due ( balance, late fees, etc ), they could not help me. I 've called them at least a dozen times in the past year to try and get some sort of payment plan set up, as I went back to work in XX/XX/XXXX. They would not cooperate, same reason. Well, now it 's 12 months later, and they 've allowed the late fees, interest and other fees to accrue, all the while I was n't even able to view my account online any longer because it was in default, and they 've just sent me letters for both accounts and the balance has been sent to a debt collector. The amounts are so much higher than what I owed a year ago, and I feel that this is fraudulent practices on their part. Intentionally leaving an account open, but inaccessible to the customer, and jacking up the fees to buffer their balance is corporate thievery. I was an excellent customer all of those years without any late payments, even while struggling, and this is the return for financial duress.

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 2018-01-12
Company: SYNCHRONY FINANCIAL
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I opened an account with XXXX XXXX via XXXX XXXX inXX/XX/2017, I contacted the lender in XX/XX/XXXX to verify if and when a bill would arrive. I offered to pay the bill in full and assumed this had been done until I received a letter from the debt collector. I called synchrony in an attempt to pay the bill they informed the debt had been charged off and sold to a debt collection service and they told me I would need to speak with the debt collector as it was no longer their responsibility. I then called the debt collect who then offered me to pay double the amount of the bill as a settlement and told me basically to take or leave it but either way I was going to have to pay. I asked if I could dispute the bill and was told no and that this was their only offer.

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 2019-02-10
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I am filing this complaint because Experian did not help me remove the accounts after so many attempts of writing dispute letters.. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-30
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have disputed the collection accounts with Equifax for several attempts, to no avail ( Original Creditor : ) XXXX**, ( Original Creditor : ) XXXX**, ( Original Creditor : ) XXXX**, ( Original Creditor : ) XXXX**, ( Original Creditor : ) XXXX**, ( Original Creditor : ) XXXX**, ( Original Creditor : XXXX XXXX ) XXXX****, ( Original Creditor : ) XXXX**, ( Original Creditor : ) XXXX**, ( Original Creditor : ) XXXX**, ( Original Creditor : ) XXXX**, ( Original Creditor : ) XXXX**, ( Original Creditor : ) XXXX**, ( Original Creditor : ) XXXX**, ( Original Creditor : ) XXXX**,. They did not give me evidence or verification as to why they will not remove the  accounts. The error has affected my credit score tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
About two weeks ago, I recieved a call. The caller didnt identify herself clearly however asked for me repeatedly. She asks for my name and address. I told her Im not sure what this is regarding but to send a dunning letter regarding the debt ; to which she stated she didnt know what that was and hung up. To date, XXXX XXXX XXXX has placed a collections account on my credit report without send a required letter of validation to verify the validity of this collection. I also filed a complaint XX/XX/2018 with the Federal Trade Commision acknowledging my identity had been tampered with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have found incorrect addresses and account details on my credit report. I would like to dispute this information and have it deleted

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