BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-21
Company: Experian Information Solutions Inc.
State: UT
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 is reporting on my credit late payments on my credit files which i was never late with them i was all ways on time even early then i got a new car and the new company paid the rest of car off which arrived by the due date so even the other dealerships payment was never late. 

Account number 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 2020-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$3200.00}

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 2020-08-28
Company: Upgrade, Inc.
State: NY
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 a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: CHARLES SCHWAB CORPORATION, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Charles Schwab Bank XXXX NV holds a checking account where I have had several questionable EFT transactions occur since XX/XX/2020. I first talked with a representative of Charles Schwab Bank in XX/XX/2020 about a suspcious debit of {$2500.00} out of my bank account. The Schwab Bank representative records will show agreed with my assessment and reversed the debit to my checking account. This unauthorized debit occurred once again on XX/XX/2020 ( Schwab once again credited my acct. ) and then again on XX/XX/2020 for the same amount {$2500.00}. At this time XXXX XXXX at Schwab Bank told me via email and on the phone that the previous Schwab representatives did not handle the debit/credit to my bank account correctly ( see emails ). He then told me he would file a Fraud Claim and process the credit of {$2500.00} back to me in a " couple of days ''. At this point it has been several weeks with no response from Schwab Bank and Mr. XXXX. Schwab Bank accordingly to research I did through the Federal Reserve Bank is holding my {$2500.00} and is not releasing the monies back to me.

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 2020-12-31
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This is the second time Experian has failed to temporarily lift my credit freeze when requested ( using the website 's online form an PIN number ). 

Today at XXXX I used the experian website to temporairly lift my freeze starting immediately today XXXX XX/XX/2020 ). 

I tried to apply for a small loan that uses Experian ; they said that the freeze was still active. I tried again 4 hours after requesting the freeze lift, but the freeze was still in place. 

I called Experian and the automated phone system says that I still have the freeze in place even though I made the request to lift 4 hours ago. 

I tried to re-request a freeze lift with the phone system and it says I need to write them a letter to lift the freeze. 

A similar thing happened in XXXX : refinance interest rates were lowered, so I lifted the temporary freeze, but Experian took 24 hours to lift it. As a result I could not take advantage of the lower interest rates. 

Experian, like the other unethical credit bureaus that make money by collecting and selling our personal information, is required by law to lift security freezes within 1 hour when requested online or by phone. Experian simply refuses to follow the law. 

Where can I get recourse? How is this 1 hour law enforced? Do I need to sue Experian since they aren't following the law or is there a system in place to fine them for refusal to comply?

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 2020-05-25
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Navient is my student loan provider. I know that there was legislation passed for student loans providing for at least 90 days of deferment and waiving of late fees. I have two loan providers. one of them auto enrolled me into the deferment, whereas navient has kept the loan active and has been charging me late fees. I have attempted to call them on several occasions and receive a message that the office is closed and am then disconnected. 

Call attempts XX/XX/2020 @ XXXX XX/XX/2020 @ XXXX XX/XX/2020 @ XXXX XX/XX/2020 @ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: AFNI INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
my delinquent account is with AFNI Collection Inc. i am regularly paying {$50.00} a month no payment short but still i received calls from their office ask me to verify my DOB or SS. I told them aim paying as agreed and no payment is short then why i am receiving call. But they just have a good day and hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: Experian Information Solutions Inc.
State: AZ
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 has reported via Experian an erroneous late 30 days in XXXX XXXX and a late 90 days in XX/XX/XXXX. All payments were made on time until the sale of the home shortly thereafter. Current information is inaccurate and harming my ability to purchase a new home 6+ years later.

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 2020-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I became a victim of identity theft in XXXX and I have been trying to resolve issues with various banks regarding bank accounts being opened in my name. I have disputed the accounts through XXXX XXXX, XXXX, etc and I have not been successful in getting the accounts removed due to fraud. The banks in question or Bank of America, XXXX XXXX, and XXXX. I have contacted these banks numerous times with the past 4-5 years. I have been given the runaround or that the debt is too old and can't be disputed. This has caused me to not be able to open a bank account due to the negative information being associated with my driver 's license number or social security number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
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:
Rash Curtis & Associates reported an inquiry on my XXXX  credit report in XXXX, XXXX  without my authorization after my wife called to pay them off. That served no benefit for them to do that other than to demonstrate an abuse of power. Please note, they have never put an inquiry on my report before. It was only after having me in collections for a few years, and a phone to pay off the debt decided to do that. they don't offer any credit or loans for them to put a hard inquiry on report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: Sequium Asset Solutions, LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been getting repeated calls and messages from this company. I have explained my situation with my income/bills after loosing my home in the flood, and they still keep calling. Also, I have received calls before XXXX on a Saturday.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
This is a Capitol one prepaid card. The problem was that they said I was late paying and I was not late... They recorded it late.
It was on XX/XX/2016 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My account has been restricted for well over a month and no person from the entire company can say what the problem is either in writing or by phone. I guess I am entitled to some kind of response from the company that I have been doing business with and making payments for a long time.

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 2018-07-06
Company: Capital Markets Cooporative, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
As of my XX/XX/XXXX statement, I am under 80 % loan to value. I submitted a request via their online messaging system for PMI to be canceled, as there was nothing on their website anywhere explaining how to cancel PMI. 

Their online system requires a secure login and account to be set up, so it verifies my identity. However, they wouldn't do anything based on this request. Instead, the response told me that a request had to be submitted in writing via mail or fax. There was no form or template provided -- just that I had to include the account number. 

My partner and I wrote the request using the CFPB website information and an online template, and we never heard back. I sent another email message a couple of weeks ago via their electronic system and was told they would reply in writing. No information was provided. Another week has gone by without anything being received, and I just called in. 

They're now saying that I have to give them permission to do a BPO and pay {$140.00} to {$170.00} fee for them to do it. My loan ( and appraisal ) is less than two years old. When we bought the house, it also apprised for more than what we paid. This information could have been provided when I first asked about canceling PMI, and it wasn't. 

Even after verifying my identity twice, they also wouldn't let me authorize the BPO. They also claim they are allowed to require me to use their vendor and pay their fee as part of the cancelation process, but I didn't see anything like that on the CFPB website. 

I also asked if they would credit back the additional PMI payments being made from their failure to properly inform me of their process, and I was told they wouldn't. 

To me, this just feels like the mortgage company doesn't actually want to cancel the PMI and is dragging out the process. I would appreciate assistance from the CFPB with getting my mortgage company to actually cancel my PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: John C. Heath, Attorney at Law, PLLC
State: ID
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I received an e-mail that was by nature meant to instill fear in me. One statement says, " You might be immediately sacked by your employer as they will be notified. '' This is a direct statement that I have copied and pasted here from the e-mail I received. According to the law, they may contact my employer to gain information, but they can not notify them of the nature of the debt. This statement is meant to make me fear that they will intentionally try to get me, " XXXX, '' by my employer. 

Additionally, I have not had any contact regarding this account until today. They have made false statements to attempt to instill fear into me. Below is a copy of the e-mail ( minus personal information ). 

We already contacted you several times regarding your unpaid loan account but failed to receive any response from your side. 

We are ready to file a lawsuit against you and report this to major credit bureaus and inform the IRS regarding this lawsuit. 

You will have to face severe consequences like : 1. You might be immediately sacked by your employer as they will be notified. 

2. Your credit will be ruined. 

3. Your wages can be garnished. 

4. Your bank accounts/credit cards will immediately freeze. 

5. The IRS will put a hold on your Tax return. 


Before proceeding ahead, this is your final chance to settle this debt outside the courthouse. 

We just want to know your clear intention in regards to the above mentioned loan account whether you are willing to take care of it or not? 

We are also willing to provide you with a payment arrangement or one time settlement according to your convenience. 

Please respond ASAP as you have two business days to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: CAINE & WEINER COMPANY, 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:
After viewing my credit report, I found this item reporting negatively an account that I have never applied for. In my recent letter I mentioned that I want you to send to me a proof or documentation bearing my signature that I have legal binding agreement to pay your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: Experian Information Solutions Inc.
State: NY
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:
Information on my Experian credit report does not belong to me.

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 2020-01-27
Company: CORELOGIC INC
State: MO
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 havent authorized this financial institue to obtain my credit report. I have clearly mentioned lender not to use this financial institute for auto loan purposes. This is seriously damaging my credit score. I would like the financial institute to remove this hard inquiry on credit report. I have previously sent out letters to this company to remove the inquiry and they failed to remove it. I'm demanding to provide proof of authorization that made personally to this company or else remove it immediately. 
Inquiry made on XX/XX/2019 ( 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 2021-07-04
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Common Wealth Debt Collection in amount of {$1500.00} is a fraudulent collection due being a victim of identity theft. 
I now have fraud alerts attached to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: Winklevoss Exchange LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Around XXXX I made a Gemini account connected my bank account to the app. It let purchase cryptos. I went through verification process it is XX/XX/XXXX today and still no verification. Over {$200.00} stuck cant transfer out at all. When I try to withdraw or re verify it tells me to wait for an email and keep shopping. Ive tried emailing them directly and get no answer or anything. I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: CITIBANK, N.A.
State: NY
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:
these accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 
4. Identity Theft MACYSDSNB Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: EQUIFAX, 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:
I am in disagreement with the items listed below which still appear on my credit report, even after Credit Bureau Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
1. The wrong amount is being reported XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. Mistaken Identity XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove this account from my credit report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: EQUIFAX, 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 information incorrect

Complaint:
Item disputed XXXX XXXX XXXX Issue This inquiry is fraudulent. 

Item disputed XXXX XXXX XXXX Issue This inquiry is fraudulent. 

Item disputed XXXX XXXX Issue This inquiry is fraudulent. 

Item disputed XXXX XXXX Issue This inquiry is fraudulent. 

NEED TO BE REMOVED FROM MY CREDIT PROFILE FOR FRAUD. I DID NOT REQUEST, AUTHORIZED OR WAS INFORMED ABOUT THIS. THE CREDIT COMPANY ITSELF MAILED A LETTER OUT XX/XX/21 TO HAVE IT REMOVE BUT IT'S STILL BEING REPORTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
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:
I have reached out to each of the Credit Bureaus and they have failed to respond to any of my disputes. I reached out to them on XX/XX/2020 and informed them that I was a victim of Identity theft and that the accounts on my report did not belong to me. They have refused to respond to my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am trying to request some statements and credit card agreement from XXXX XXXX ( Comenity Bank ). However, I am told that they are unable to mail me my credit card agreement because they are no longer my lender. I've tried requesting twice via phone on XX/XX/2021. I made a call at XXXX and I tried again at XXXX. 

According to CFPB, " By law, the issuer must make your agreement available to you upon request. If you are having trouble getting your agreement, let us know by submitting a complaint. '' For this reason, I am submitting a complaint.

Company response to consumer: Closed with explanation