BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-28
Company: John C. Heath, Attorney at Law, PLLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This evening, XX/XX/XXXX, my son received a message on his phone for my XXXX son stating that my XXXX son was being summoned to court, and he needed to call the number that was given. I called the number back myself because I represent my son whenever possible because he is XXXX unable to represent himself in most cases. The person answering the phone said his name was XXXX and he represented XXXX XXXX. He told me that my son was being summoned to court for a debt from XXXX XXXX XXXX in XXXX for a bill in XXXX. I tried to explain to him that my son is XXXX and that he was covered under XXXX and XXXX for the time in question. He argued with me and said I was wrong. I told him we had been at XXXX XXXX for many XXXX, XXXX or more and that I know there was a mistake because there are no other bills. He continued to be rude saying I would be made a fool of in court, and told me that I must be the reason my son is XXXX. I hung up the phone at that point but told him I would be reporting him.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: Experian Information Solutions Inc.
State: MN
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 have been a member in good standing with the XXXX XXXX XXXX XXXX XXXX and have never had a late payment on any of my loans, or credit card payments. Then in XXXX, XXXX, XXXX, and XXXX of 2017 I was 30 days late on my credit card payment. The reason for that is because I was not receiving electronic payment messages. So I missed these payments. I have since had the credit union send me paper/US Mail notifications when a payment is due. So because of not receiving the electronic payment messages I now have a negative entry on the Credit Bureau Reports. I have never had bad credit before and I am looking to but a retirement home and can't do that currently because of this Credit Mark on my credit reports. I have tried working with the Credit Union on this issue and they tell me they can't do anything about it.

I have also had Experian look into this matter and they say the Credit Union said this is not their fault, even though I did not receive electronic messages regarding due payments. 

Is there anything you can do to get this mark on my Credit Reports removed so I can move forward again with preparing for my retirement? 

Thanks for your assistance in this critical 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 2020-12-15
Company: Experian Information Solutions 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'm a Victim Of identity Theft, someone is using my Personal Information without my Authorization they got in to my Banks accounts and open credit cards using my Name I filed a report to protect me from this situation so this matter will be Resolved

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 2019-04-26
Company: AMERICAN EXPRESS COMPANY
State: CA
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 had attempted to set my account on auto-pay, also attempted to use my reward points towards my bill, both of which does not work on the website, it freezes. Because of that I was charged late fees. Being a customer of several years, I don't normally get late fees, I do not think it was a fair assessment and now have to pay extra late fees on top of the high percentage of interest rates I'm already paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I've only been a customer for citibank for relatively less than a month. They closed my checking account due to alleged fraud '' although there hasnt been any fraud since the account has barely been used. Citibank won't let me know the reasoning behind the closure as well as if I can withdraw my funds and have access to my account. Everytime i call the customer service number im read a pre automated message from a customer service representative and then told that there isn't anything further they can discuss and will disconnect the call. The unprofessionalism and unknowledgement with this company is atrocious. I as a customer should know the reasoning behind my funds being on hold and me not having access to them as well as to why my account is pending closure and the fact that it will take 30-60 days to gain access to those funds again. I have bills to pay I want my money BEFORE 30-60 days!!

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 2019-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
XXXX XXXX I mailed my monthly payment to XXXX as I have always done for my student loan payment. I have always paid my student loans on-time every month with a 100 % on-time payment structure. On XXXX XXXX I receive a notification saying that my five of my accounts with XXXX are 90-140 days past do. I called XXXX and they stated that it was reported as a mistake. They show that I am a full-time student with loans in deferment mode. They showed that they are receiving a {$30.00} payment per month as well. Although, my payments are not required, I still make payments to maintain my good credit score. My score has dropped due to this mistake from a XXXX to XXXX. I have never had a low score and I am asking if someone will please correct this. I struggle to make a monthly payment to XXXX monthly and this is an insult. Thank you for allowing me to place this complaint as something needs to be done in reference to student loans being able to do this to people.

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 2019-10-02
Company: EQUIFAX, INC.
State: NH
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:
Equifax ; XXXX  and XXXX are incorrectly reporting me as an Authorized User on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
MY INFORMATION WAS USED IN A DATA BREACH ACCOUNTS WAS OPENED IN MY NAME WITHOUT ME KNOWING.

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 2021-05-29
Company: Coinbase, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
XX/XX/2021 I was holding XXXX XXXX XXXX tokens in my Trust Wallet. I transferred said tokens to another wallet with no issue. I transferred again to the Coinbase wallet. The XXXX tokens never showed up in the wallet, although the XXXX transaction history shows the proper accounts were used for the transaction and shows successful. Coinbase was contacted through email customer support. Canned response was received saying they needed more info. Response delivered. Another canned response restating more info was needed. Same reply delivered. No action. Another 'case ' was opened after four hours of no response. Same canned responses received, similar replies sent, twice. No action. Another case opened. Same routine. No actual response or human acknowledgement from Coinbase. The value of the transfer at the time of the original transfer to Coinbase wallet was about {$60000.00}. It is now around {$120000.00} and growing. I have screen shots of values, screen shots of transactions, and most importantly the XXXX transaction hash which shows the entire transaction history. In my estimation, Coinbase either needs to pony up and give me the current value or return the XXXX XXXX tokens to my trust wallet. These tokens were sent to the Coinbase wallet, but never credited to said wallet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-18
Company: Experian Information Solutions Inc.
State: TX
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 XX/XX/2018 I submitted a request to Experian to send me all original documents with my signature to me for my verification. In which all accounts were deleted from my Experian credit report. This has left me with no credit rating at all. my credit report says I don't have a credit rating, It is XXXX. I contacted in XX/XX/XXXX by phone and I was told that I was reported as deceased. I asked for someone could explain to me why would I been reported deceased for asking for verification of documents. No one would give me a answer at first, then I told that someone from Experian contact me to fix the problem. 
It is now XX/XX/XXXX and I have not been contacted or can anyone explain why was I reported to be deceased. This is critical to fixing my credit. I have been a victim of identity theft before, now I believe that I am being victimized by Experian also.

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 2018-03-20
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
signature does not match borrowers signature on originial mortgage. i received paperwork that i requested from wells fargo who took over world savings bank loans. my XXXX year old deceased mother was taken advantage of by world savings bank back in XX/XX/XXXX. XXXX XXXX borrower have been arguing back in forth writing letters and i have a response from wells fargo where they responded to her letter dated XX/XX/XXXX. this mortgage is fruadlent. im encolsing proof of signatures and loan documents that i received from wells fargo. please read documents ive provided with this complaint. property address is XXXX XXXX XXXX XXXX XXXX illinois XXXX. IM THE OWNER OF THE PROPERTY LISTED ABOVE. IM TRYING TO MAKE SURE THAT SHE OWES THIS MONEY BEFORE I DO ANY LOAN MODIFICATIONS WITH COMPANY. IM QUESTIONING SIGNATURE ON LOAN DOCUMENTS AND CURRENT AND OLD ID WHO SIGNED MY MOTHERS SIGNATURE. WELLS FARGO SET A SELL DATE ON THE PROPERTY WITHOUT NOTIFYING ME. IM JUST NOT FINDING OUT. MY CONCERN IS TO SEE WHO SIGNED HER NAME. I NEVER APPEARED TO COURT TO OR GOT ANY COURT PAPERS ABOUT FORECLOSOURE OR SELL DATE. ORIGINIAL LOAN WAS GENERATED BACK IN XX/XX/XXXX FOR XXXX MY MOTHER WAS NOT WORKING AT THE TIME WHO WILL GIVE A ELDERLY WOMAN A LOAN WITH RETIREMENT BENEFITS.

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 2017-12-09
Company: EQUIFAX, INC.
State: NM
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:
Equifax is not responding to any of my many requests to investigate, verify and remove accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: FC HoldCo LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
XXXX XXXX XXXX overcharged me, even after requesting payment extensions, providing my XXXX XXXX Orders, and staying the interest rate and penalties were creating hardships. 

As soon as I was notified I was XXXX to XXXX XXXX overseas, in a XXXX XXXX in support of a XXXX XXXX I contacted XXXX XXXX XXXX. I spoke at length with XXXX XXXX on XX/XX/XXXX via email XXXX,  via phone XXXX, and XXXX Ext:XXXX. I emailed and faxed my XXXX and additional Financial Obligations that were impeding my payments. 

Furthermore, I have emails that show I communicated I was XXXX in a XXXX XXXX, I was feeling stressed and harassed. 

On XX/XX/XXXX XXXX XXXX, XXXX sent an email stating couldnt discuss via email, and asked me to call Additionally, emails in which XXXX XXXX XXXX stated on numerous occasions that they could not continue to discuss via email and asked me to call ( XXXX ) XXXX. 

I XXXX with a XXXX XXXX in support of a XXXX XXXX. I was in a XXXX XXXX. I was originally told that once XXXX the payments would be suspended for the length of the XXXX XXXX. I also provided documentation that the penalties, late fees, and excess interest was causing a severe financial hardship. 

( B ) during the period of military service, in the case of any other obligation or liability. 

( 2 ) Forgiveness of interest in excess of 6 percent. Interest at a rate in excess of 6 percent per year that would otherwise be incurred but for the prohibition in paragraph ( 1 ) is forgiven. 


The definition of an obligation as either a mortgage debt or any other obligation was an amendment established by 2203 of P.L. 111-289, effective XX/XX/XXXX. 

( i ) for a change of permanent station ( I ) from a location in the continental United States to a location outside the continental United States ; or ( II ) from a location in a State outside the continental United States to any  location outside that State ; or ( ii ) to deploy with a military unit or as an individual in support of a military operation for a period of not less than 180 days. ( c )

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 2018-02-12
Company: Colony Brands, Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX showing on my credit report was filed in Bankruptcy court on XX/XX/ 2013, and discharged.  They are reporting inaccurate information.

Company response to consumer: Untimely response
Consumer complaint received 2021-06-09
Company: Experian Information Solutions Inc.
State: MS
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: Problem with personal statement of dispute

Complaint:
I have not able to reach the Company XXXX XXXX, I have mailed them a letter and called XXXX with no response, this company does not exist since I dis not get a response for months. The address for XXXX XXXX is incorrect and the letter I wrote them has been sent back to me, please tell me how did you verify the debt and I wasn't able to contact them by mail.

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 2021-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
These inquires ae not mine, some of them are from different areas I never once applied to. They are fraudulent inquires made on my credit report from XXXX.. 
XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX IL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, IL XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, KS XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA 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 2020-12-15
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: Account information incorrect

Complaint:
XXXX XXXX XXXX is incorrectly reporting that my auto loan was delinquent in XXXX, XXXX, and XXXX of 2020. However, actually, this account has never been past due. I have repeatedly asked XXXX to properly update my account history to show that my payments were not late in XXXX, XXXX, and XXXX of 2020 ; but they have yet to take action to make the correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
My card was sent to the wrong address.

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 2021-05-29
Company: EQUIFAX, INC.
State: MD
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:
As usual, Equifax has target me and incorrectly reported/verified information. 
My credit utilization ACCORDING TO THEM is 45 % and that is NOT true! 
My utilization is EXACTLY 2 % ON PURPOSE. Im as to which previously I kept at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 contacted the Clerk of Court in XXXX, La. to see if Transunion attempted to validate my complaint that my file indeed was filled with erroneous information. I was told by the officer of the court that they DO NOT validate bankruptcy information. So again Transunion say they have investigated and updated my files that they are reporting to be accurate, this ca n't be possible. Are they able to just lie and get away with that and steadily do harm to ones credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: U.S. BANCORP
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Ok I had to hang up on the lady today but us bank still trying to collect a debt that was forgiven and they issued me a 1099 c ... .I kept telling the lady on the phone the debt is forgiven and I got a 1099 c and still telling me I owe the bank over 16000 dollars and also I requested a title for the vehicle that got repossessed due to parking in a wrong spot and us bank still not trying to give me the title ... they still giving false info to XXXX about the balance and even they said once the debt is forgiven and got a 1099c the balance should still be XXXX and they steady reporting the balance I used to owe, but us bank need to get their priorities straight and know the difference between owing and the debt was forgiven ...

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 2020-07-29
Company: HYUNDAI CAPITAL AMERICA
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: Account status incorrect

Complaint:
On XX/XX/XXXX, my husband and I purchased a vehicle at XXXX XXXX XXXX. We owned the vehicle less than 24 hours. The vehicle was returned for service issues on XX/XX/XXXX and I was given a loaner vehicle. On Friday, XX/XX/XXXX the loaner vehicle was returned to XXXX XXXX XXXX and I went home with my original XXXX due to negligence on the dealer 's part. I did not take home the XXXX XXXX - however, I received a statement dated XX/XX/XXXX about the XXXX. I contacted XXXX fiancing to see why this account was still open. I am reporting this account as fraudulent as I do not own this vehicle. It was returned 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