BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-05
Company: EQUIFAX, INC.
State: FL
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:
in accordance with the fair credit act XXXX account # XXXX XXXX  XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States i have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am XXXX. I need an advocate to assist me in obtaining my interest in the fathers estate. My brother, XXXX XXXX XXXX, was named as executor of my fathers estate, The estate of XXXX XXXX XXXX XXXX Attorney XXXX was assisting my brother in Michigan XXXX My brother was also receiving help from an attorney, XXXX XXXX, Attorney XXXX XXXX of Georgia because my father died while living in Georgia. To the best of my knowledge my fathers estate is without oversight. The assets were in a variety of financial instruments in excess of {$12.00}, XXXX. I need assistance to fairly and independently sort through and finalize my fathers estate. My only desire is to ensure the trust be divided equitably divided among the beneficiaries. I have copies of all the critical communication among the siblings. The accounts originated from within XXXX XXXX out of Georgia and then transferred into Wells Forgo in Michigan. I also have critical communication between XXXX and both XXXX XXXX and XXXX XXXX regarding the my fathers estate. Thank you XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I will include in my next email XXXX XXXX XXXX XXXX Michigan 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 2021-04-13
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I'm being sued for {$25000.00} by XXXX XXXX XXXX for loans from XXXX and XXXX. 

They do not have evidence that had such a loan included in their trust before bringing on the suit. They said I made a payment in XXXX but have no records of it. 

The lawsuit came out of nowhere. I am currently a student and unemployed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: SERVICEMAC, LLC
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I tried to contact my mortgage company ( ServiceMac Mortgage ) and their 'customer service ' number does not give you any option to speak with any type of customer service rep. It only takes you around in circles and offers no additional numbers or contact information to ANYONE! 

My online account shows a difference in what my payment amount is so I don't know if their amount is incorrect or if something changed making mine incorrect. 

I have a super credit score and don't want this discrepancy to cause a bigger issue in the future. 

Below is what they have on their website : Contact Us Information : _______________________________________________________________________ Contact Us Our goal is to provide 24/7 access to your loan information. 

To access your loan information : Call our XXXX XXXX XXXX XXXX form any touch-tone phone XXXX. 

If you have questions or concerns : Call to speak with a Customer Service associate. 


Customer Service : XXXX Email Address : XXXX Address : XXXX XXXX XXXX XXXX, Georgia 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 2021-05-18
Company: COMPUTER SCIENCES CORPORATION
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Hi, what happened? For 6 years I have been on auto pay on the XXXX of every month. Check my account. Meanwhile I just got a letter stating my last car payment was past due.. Why was that not taking automatically from the account. I just paid online via XXXX XXXX for {$330.00} which should be my LAST payment since maturity date is XX/XX/2021. This is a glitch on your end and you guys should have automatically taken out the last one ... Why also was it {$330.00} and not the usual {$330.00}? Lastly, not only was this a glitch on your end, you also should not be reporting it to the credit bureau since I just paid online well within 30 days. .Please confirm and explain what went wrong. Also concerned you may start trying to continue to take from my account. I need the title and lien release. This car is now officially paid off. I should have a zero balance now.. please send all paper work for release of title, lien, etc.. 

I have been doing automatic since DAY 1 for 6 years!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 
Also you guys have a TON OF XXXX complaints. This better not go on my record. Looks like you just did same to someone else. This is your issue. 
This looks like attorney general should get involved. You have 36 complaints at XXXX  and looks like you have issues with releasing liens and people are losing transactions. Someone else you did same thing.. took money out yet told them they were past due. With me.. I was set up for automatic with drawl and you didnt pull the money out.. why not? 


SCARY.. these are your complaints. I believe your regulated by federal trade commission. Enough complaints there should be a class action.. attorney general and bank regulators will be contacted..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be l have not been able to get help from them for months but I just remembered I could file a report on here as 1 tool they are not doing their job properly and it is effecting me a great deal as used PayPal quite frequently My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: Coinbase, Inc.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have had a pending digital asset deposit worth a lot of money stuck in limbo for a very long time. The exchange ( XXXXCoinbase ) refuses to respond to my messages and I can not get in contact with customer support about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted this credit repository through a dispute letter dated XXXX XXXX, XXXX to dispute the INCORRECT and INACCURATE information being reported in my file. Attached to this complaint is a copy of my second letter I will be sending to this credit repository since Inaccurate and incorrect information are still reporting, from the status, payment history to the account opened and closed date and also the highest balance being reported. All these information are incorrect and inaccurate. This violates the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Recently, we paid off our mortgage with Wells Fargo when we sold our home. We were communicated that our escrow funds were going on the XXXX of XXXX. I have not received the funds to date. When I contacted them, they said they hold the check internally for XXXX business days before mailing and could n't confirm when it was in the mail. This seems like they are holding my money to earn more interest in the meantime. I 'm sure it 's not a lot in terms of my loan, but would add up with many others.

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 2021-05-18
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/2019, I tried to transfer a little part of my American Express Membership Rewards that I earned by using American Express credit cards to my XXXX XXXX  account. When I initiated the transfer online on the American Express official website, I got declined because they claimed that my points are under review. I then called the customer service number, and talked to them for over an hour, during which they transferred me back and forth among the same two or three departments. In the end, they were still not able to help me transfer this very small amount of points over to XXXX XXXX account. 

I have been a loyal American Express card user, and I earned these points by using my credit card, and I have always been paying the balance on time -- never missed once. I have not used or transferred my Membership Reward points in a very long time. And for this one time I wanted to transfer a tiny part of the points, I was refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: Hampton & Hampton Collections LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On Saturday, XX/XX/2019 I received a certified letter in the mail from Hampton & Hampton Collections LLC attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX XXXX XXXX. 

I located an email between my husband and this Homeowner 's Association advising that we have a rental management company, but not directing them to send HOA statements there. 

On Monday, XX/XX/2019 I called the number of the HOA and spoke with XXXX. He said that he sent the statements to the address we provided for the rental management company and didn't hear back, so he took it to collections. He said that in some cases the mail sent was returned. 

I asked why they didn't contact us instead because we would have been happy to pay immediately. He said it was against their collection policy and State Law. He said it was because we directed him to send it to the rental agency, which we did not. I have the email, which the HOA acknowledged. He, in fact, had our email addresses. He also had our current mailing address, as we received the certified letter here. 

I told XXXX I wanted to pay the amount we owe today. He said he wouldn't tell me how much we owe and wouldn't let me pay because the collection agency has it. I asked why he couldn't tell us how much is on our ledger with the HOA and he said that it was against policy. 

I asked him to send me a copy of the policy and the law, and he has not done so. 

In short, we have a debt taken to a collection agency without ever having received a statement. I have never paid a bill late in my life and am willing to pay this now. They not only did not contact me, but are not allowing me to pay my bill and are impacting my very high credit rating.

Company response to consumer: Untimely response
Consumer complaint received 2022-04-05
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX is violating of my rights as a consumer, they have not validated the debt but continue to report to the credit reporting agencies FDCPA Section 809 ( b ). Also, they are in violation of FDCPA Section 807 ( 8 ). 

Telling me that the account was opened with a valid contract is not validating a debt. Where is the contract?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: Experian Information Solutions Inc.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I tried to submit an error in esperian credit report, and the phone agent told me to upload files that solve the issue at https : //www.experian.comXXXX. The upload did not work. Then i was told to challenge this error on experian.com as a member at the dispute center. The dispute center said that it was having technical issues. I was told again by the phone agent that they had been having troubles and to keep trying and " maybe it will start to work ''. This issue has extended for days. 

The impact to me is that we are in the process of getting loans, and waiting 30 days plus is not acceptable. If Esperian has incorrect credit information, it should have a functioning process to immediately receive information and resolve the issue. 

From their actions, and many days that it has not been working, it seems they are not taking this seriously and do not have the best interest of the consumer at heart. I can only speak for the days I have tried to use their system. It could have been broken for weeks or months.

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 2017-10-05
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I agreed with Homedepot to replace my roof in XXXX XXXX. I applied for their credit card because the interest free offer for 24 months. I charge {$11000.00} for the complete job on the credit card.

The job was not done and the contractor stop responding to my requests to complete the repair. I called all the contacts I have for Homedepot and no one responded so I tried to dispute {$2700.00} of the charge on the credit card but the credit card would not want to initiate the dispute. I came here and file a complaint ( XXXX ). The credit card responded by initiate the dispute. 

The letter stated that it will take 120 days, which has passed for the investigation. As of today, XXXX XXXX, I did not receive a corresponding that the dispute is resolved. I have called them continuously for an answer and they flaunted with me by saying they need three weeks more or three days more to give me a resolution of the dispute. 

Today they said that they sent a letter to me in XXXX ( which I never received otherwise I would not have continuously call ). The person answered the phone at XXXX said XXXX XXXX is not available but someone else said that the dispute was closed in XXXX in favor of Homedepot. 

However, I received a letter dated XXXX XXXX, XXXX stating the dispute is only for {$2000.00}.

Homedepot did not complete the work and a contractor will charge me {$2000.00} to finish the work. Initially {$2700.00} but Homedepot does not want to pay for a damaged Sky window their contractor cemented closed on the roof that got damaged when I try to open it on a nice day.

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 2017-10-05
Company: Experian Information Solutions Inc.
State: NY
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:
For three months Experian has denied me access to my credit report online subsequent a previous dispute. The report number is -- -- -- ( on email files attached-note various dates XXXX. Screenshots ( note XXXX data ) supporting the denials are also attached. 

According to info supplied by a credit card company, there have been unauthorized hard inquiries placed on my credit report XXXX only Experian, no other credit reporting agencies XXXX which negatively impact my credit score by XXXX points ; although my credit is still in the very good to excellent category with all three credit reporting agencies. 

However, Experian continues to deny me online access while simultaneously trying to sell me products and/or services of XXXX ( screenshot attached XXXX ; and I am unable to obtain the identity of the inquiries.

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 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I, XXXX XXXX, sent a letter to the 3 bureaus asking them to look into an item on my report that is false and misleading. It has been over 45 days since i sent my letter to XXXX, XXXX and Transunion. I have not heard back yet. I am aware that the bureaus have 30 day to investigate and send me an updated report with their response or they have to delete the items 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 non-monetary relief
Consumer complaint received 2021-11-30
Company: EQUIFAX, INC.
State: NC
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 request Equifax on 4 different occasions to remove the dispute remarks from XXXX XXXX ending in XXXX and the XXXX account. On both accounts I have never disputed them, I agree with the balances and the payment history on both accounts. I have received notices from Equifax that they have resolved when my issue when no they haven't. They keep working on the wrong accounts and not paying attention to the two accounts I have questioned for them to remove the dispute comments from. So, I have attached the two accounts I pulled them right from the Equifax website for my credit report and as you can see there are dispute comments on both accounts and they need to be removed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Crown Asset Management , LLC That debt is not mine. The account only shows an account number XXXX or original vendor. Misrepresented is all over. The other misrepresentation in this letter is that they are charging {$870.00} for principal. {$170.00} for interest and fees for {$240.00} in fees. 
Federal law prohibits the collector to charge interest & fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've been a victim of identity theft. The inquiries listed should be removed for these are fraudulent and inaccurate. Inquiries : 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 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 2022-04-05
Company: EQUIFAX, INC.
State: GA
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:
In regards to a mixed credit file. I have a twin brother and our reports were mixed up quite some time ago and the issue has not even remotely been solved. In fact, Equifax is the ONLY bureau continuing to mix our information. 

The documents requested have already been sent in, numerous times. 
On XX/XX/2022 I sent a copy of my passport and a copy of my social CERTIFIED and have receipt that it was picked up and signed for. 

Tracking # : XXXX XXXX XXXX XXXX XXXX XXXX Priority Mail 1-Day Mailed on the XXXX of XXXX and received on the XXXX of XXXX, signed for XXXX XXXX XXXX. 

Within the past month, I have called Equifax almost every day and the moment I get through, I am hung up on. Ive made it to a supervisor and also was hung up on. 

I have also requested that proof of ownership for all inaccurate accounts be sent to the address on file and that has also not happened. My file can not be located but it obviously exists since things keep being added to it.

Company response to consumer: Closed with explanation