BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-07
Company: EQUIFAX, INC.
State: MD
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
UNAUTHORIZED INQUIRIES ON MY XXXX CREDIT REPORT : XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX Could Not Contact XXXXXXXX XXXX  - XX/XX/XXXX Could Not Contact Bank of America - XX/XX/XXXX Could Not Contact XXXX XXXX XXXX XX/XX/XXXX Could Not Contact I have an open complaint case ( # XXXX ) with XXXX Credit Bureau as of 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 2018-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Account was noted on my account as a chapter XXXX bankruptcy and when I requested XXXX XXXX to fix this issue with the credit bureaus they stated that they informed all three credit bureaus that the account is closed, Per Transunion and XXXX and XXXX the account is still noted with an error with a remark and comment saying account was included in bankruptcy when it was not. XXXX refuse to send me a letter stating that the account was reported in error and that it is closed so that I can forward the letter to the credit bureaus for them to report the information correctly on my credit report. this is for account to which I had a XXXX credit card that was closed by XXXX on XX/XX/2017

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 2018-01-03
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The creditor is Mercantile Adjustment Bureau , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX collecting for XXXX XXXX XXXX They are reporting negatively on my credit report and I have sent them several validation of debt request letters requesting them to furnish signed documentation as a validation of the debt and they have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: Bread Financial Holdings, Inc.
State: NV
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:
Comenitycapital/XXXX Inquiry from XX/XX/2019 Bankcard Comenitycapital/XXXX hard inquiry

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The loan has been sold several time with first sale by XXXX. Each time it was sold, higher interest was added.XXXX tried to foreclose when it went to court the judge dismissed and threw the case out because it was a predatory loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: SYNCHRONY FINANCIAL
State: DC
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:
Ran credit report and found account opened in my name that I did not open, {$66.00} on credit card and limit is {$2000.00}.

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 2022-02-07
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: Account status incorrect

Complaint:
My complaint is with Wells Fargo. The account was opened while on XXXX XXXX. Wells Fargo stated on numerous occasions that my interest rate will change due to the Soldiers Civil Relief Act. They continued to charge my high interest. I even stated that under the Soldiers Civil Relief Act I was unable to keep up with the high interest payments. They then closed my account and it was sent to collections. After no reasoning with the company they reported an incorrect amount that I owed. I finally settled an amount with the company and the rest was reported on my taxes as earned income. They have continue learning to update information on my credit report. This account should have never went to collections. I have also paid the due amount, and I feel this account should be deleted from my credit report.

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 2017-07-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have contacted each credit bureau several times about incorrect names and addresses on my report. My name is oft-times misspelled by creditors and reported wrong. I 've submitted my drivers ' license and passport to show each credit bureau the correct spelling and styling of my name as well as my address. I 've requested to have my reports updated. To date, this has not happened. I want my name ( s ) corrected. The only names that should be on my report are my maiden and former married name : XXXX XXXX XXXX XXXX I DO NOT HAVE A MIDDLE NAME. My former married name has a hyphen, not a space between the maiden and married name ( s ), nor do the two names run together with no space. The name is hyphenated. ( XXXX XXXX XXXX. <P/>
The ONLY addresses on my report should be my current residential address : XXXX XXXX XXXX XXXX XXXX GA XXXX *My mailing address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX *and my former residential address : XXXX XXXX XXXX XXXX , GA 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 2022-10-14
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Coinbase, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
In XXXX, XXXX, I entered into an investment contract with XXXX XXXX XXXX : XXXX XXXX  Crypto ( the Scammer ) to transfer XXXX XXXX. Entering the online trading sphere comes with many hopes but due to Companys Shady activities and dealings, I lost my money within a very short period of time. 
I advised Coinbase of this fact on XX/XX/XXXX and I didnt receive any satisfactory response so far. 
I am a victim of Fraud as I was under a lot of pressure and coerced through very sophisticated methods specifically created by these criminals. I reiterate that there was no trading account and no trading actually took place. This was all a scam and the recipient simply pocketed the money. 
Since XX/XX/XXXX, I have been attempting to resolve this matter with Coinbase, but they have failed to settle this matter satisfactorily. I have been dealing with Coinbase in good faith and am deeply disappointed in how they have handled this matter thus far. 
I must emphasize an important point that I was not experienced, wanted a long-term investment during the difficult period of circuit breaker, but instead, the Merchants so-called guided strategy staked with my money. Their promised bonus credits and repeated reassurances of making returns did not materialize but had lured my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was under the impression that when my loan reach 78 % loan to value ratio based on actual payments the servicer would be legally obligated to remove the PMI. They are choosing to require a valuation and 2 years of payments first.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Equifax is the subject of this complaint : 1. Equifax was notifed and provided all supporting legal documentation in support of my name change. My name is not XXXX XXXX XXXX, however Equifax continues to report this incorrect name 2. The correct spelling of my name is XXXX XXXX XXXX. 3. There is a hyphen between my two middle names. 4.  There is an upper tier underscored XXXX  followed by a capital XXXX in XXXX. 5. Equifax is erroneously reporting XXXX XXXX as late. This car payment has never been late. 6. Equifax is reporting an XXXX XXXX past due balance of {$20000.00}, when the payment is not past due. 7. Equifax and XXXX XXXX are over reporting the current loan balance of {$17000.00}. 8. Equifax is reporting unauthorized hard credit inquiries from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I did not authorize any hard inquiries from these institution, but I was contacted by each regarding pre-authorized card offers which [ they each ] promised would not impact my credit score. 9. Equifax is improperly reporting XXXX XXXX, XXXX XXXX and XXXX as my employer when none of the aforementioned are my employer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-28
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We have an apartment complex ( XXXX ) that we lived at and moved out of and at the time we did not owe any money. Later we noticed on our credit report that the apartment complex sent a collection amount to a collection agency ( National Credit Systems Inc. ) for over XXXX dollars, we contacted the collection agency and tried to get clarification of the amount owed and who actually owed it. They stated that there were XXXX different social security numbers attached to the debt, but did not know what amounts belong to witch social security numbers. we then contacted the XXXX and asked for clarification, they would not send us any information. All they stated was that all people with the last name of XXXX was put into XXXX file and then sent to a collection agency. National Credit Systems did state that some of the charges was a security deposit. How can a security deposit be charged after a move out. We have asked several times for the original documents and XXXX and the collection agency have never provided them. We are trying to buy a house and this is preventing us from doing so.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I've repeatedly attempted to have inaccuracies on my report deleted but, no one seems to care so, here we are. Please only communicate with me through CFPB. ALL REPLIES AND CORRESPONDANCE SHOULD BE STRICTLY THROUGH THIS PORTAL AND BY NO OTHER MEANS. IF YOU CONTACT ME BY ANY OTHER MEANS, I WILL CONSIDER IT HARRASMENT. TIA

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 2018-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On or about XX/XX/XXXX I received a notice of default from Bank of America. I immediately began contacting their loss mitigation department. My call were all routed to a voice mail of XXXX XXXX. I left an upwards of 75 voice mails for XXXX XXXX over 45 days without any contact back from her. In early XX/XX/XXXX I received a loss mitigation application from BOA. I promptly completed it and faxed it to them on XX/XX/XXXX which is 54 days before my initial sale date. On or about XX/XX/XXXX I received a rule 120 summons from their counsel XXXX XXXX XXXX XXXX XXXX. The attorneys were XXXX XXXX and XXXX XXXX. I immediately let them know that I was seeking loss mitigation and they stated they have no way of contacting their client to let them know that. I forwarded them the application as well so that all was informed of my intentions. The summons from the law firm was received on XX/XX/XXXX and required an answer be filed on XX/XX/XXXX which in itself was impossible. I continued to communicate with the law firm as could n't get anyone from BOA to speak with me. Finally on XX/XX/XXXX I received a voice mail from a new single point of Contact XXXX XXXX. I promptly called her back but we have yet to speak as of the date of this complaint. On XXXXXX/XX/XXXX i received written confirmation that they received my application and would not proceed with a foreclosure sale and if any other documents were needed they would provide a date in which I would need to get those to them. 
Fast forward they are proceeding with a foreclosure sale and have provided no date in which I must get them the items. They are dual tracking my mortgage and colluding with XXXX XXXX XXXX to foreclose my mortgage. I beg the CFPB to intervene and assist in helping me. I had my application to them 54 days in advance of the sale date and statute only requires 37 days. Furthermore they confirmed in writing they received it and are failing to honor their written committment 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 2019-07-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The number that calls me nonstop for 18+ months now, sometimes up to 8 times a day!!! Is XXXX ( XXXX ) XXXX along with about 150 other numbers Ive had to continuously block as new ones call me. Portfolio Recovery is the name of this collector, and no exaggeration I have 2 separate lists of contacts named collections 1 and spam 1 both contacts have had over 100 # s added to them, which makes blocking them easier, but that is overkill!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-07
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 status incorrect

Complaint:
I've repeatedly attempted to have inaccuracies on my report deleted but, no one seems to care so, here we are. Please only communicate with me through CFPB. ALL REPLIES AND CORRESPONDANCE SHOULD BE STRICTLY THROUGH THIS PORTAL AND BY NO OTHER MEANS. IF YOU CONTACT ME BY ANY OTHER MEANS, I WILL CONSIDER IT HARRASMENT. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: AMERICAN EXPRESS COMPANY
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
I've been using american express serve for several years. Earlier this year me and my significant other both became unemployed due to coronavirus pandemic. Her claim was under investigation for some time and finally in XXXX she was awarded back payment for the prior months she wasn't paid. Since she has no bank account at the time we decided to just use my amex serve account to have the funds direct deposit into my account. We were both unaware that was a violation of terms. American express allowed the direct deposit. I even withdrew {$2500.00} the following day. The next day when I tried to log into my account with no success I call them and they inform me that my account has been suspended permanently for violation of terms and I have no access to the remaining funds in my account which were roughly a little over {$1500.00}. They said they will not release any remaining funds until I provide them with a letter of indemnity from the issuing bank. Well for anyone who doesn't know it is pretty much impossible to speak with anyone at the unemployment office in Kentucky right now because of the surge in claims due to the Coronavirus. My girlfriend and I both have tried to contact the unemployment office to explain to them the situation and have had no success. We just want our money back. We have already been served with an eviction because we haven't been able to afford rent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-17
Company: Colony Brands, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I ordered some items from the XXXX XXXX catalogue never received the items I ordered contacted XXXX XXXX letting them know I never received the items then in found they reported it on my credit reports they told me they would take care of it and never did

Company response to consumer: Untimely response
Consumer complaint received 2019-10-01
Company: M&T BANK CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Applied to refinance our home with XXXX XXXX NMLS # XXXX at M & T Bank. 
We were never told about paying points. When estimate came to us it had {$3700.00} in points on it. It took us emailing and calling 10 days to XXXX with finally a response. XXXX tells us on the phone dont worry about it because our appraisal ( we paid for {$550.00} on XX/XX/XXXX to M & T ), the LTV was so great, we dont have to pay points anyways. XXXX told us to sign the estimate docs to keep process moving forward and he will fix it. This refinance is going on almost a 2 month process. The next estimate we get from title company still has points. XXXX XXXX, Mortgage Processor NMLS # XXXX, was assigned and I told her from the start the points were supposed to be fixed to Zero points before the settlement estimate is completed. XXXX tells me that on XX/XX/XXXX the underwriter submitted the change and she never followed up. XXXX tells me she never heard back from us-I shouldnt have to constantly keep on top of M & T Bank to make sure they are doing their jobs. We have back and forth emails with us asking them is it fixed? When can we close? Etc. XXXX follows up and tells us XXXX lowered the points by half ( which would still be {$1800.00} approx ) out of our pocket and he also reduced our loan amount by {$500.00} without speaking to us! XXXX has never followed up or spoke to us since XX/XX/XXXX. All communication has been through XXXX since this date. XXXX has requested XXXX to contact us twice in which he has failed to do so. This whole process has wasted almost 2 months of our 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 monetary relief
Consumer complaint received 2022-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX / XXXX / {$11000.00} XXXX XXXX XXXX XXXX / {$0.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the XXXX period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).

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