BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-09
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:
Credit report has I name on there I have never went by.

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 2020-09-18
Company: LEXISNEXIS
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:
I sent in a 30 day demand letter on verification of data furnisher reporting on my file and method of verification. I obtained a letter from the reporting data furnisher stating that they do not report information to the credit bureau reporting the information and the credit bureau sent a item verified letter from a reporting company that i had my files suppressed and froze via a certified letter from LexisNexis. see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
15US code and 1681S2 Responsibilities of furniture of information to consumer reporting agencies ( A ) Duties of furniture of information to provide accurate information ( 1 ) Reporting Information with actual Knowledge of errors this away not to have to pay off Any information relating to a customer to any consumer reporting agency if the person knows or has reasonable calls to believe that the information is accurate -- -- -- -Because of -- -- -- -- -- -- -- -- -- In accordance to the fair credit reporting. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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 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 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 Account name # has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a Account with my written instructions 15 U.S.C 1681C. ( A ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other averse item of information other than records of conviction of crime which antedates the report by more than 7 years.

15 U.S.C 1681 - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable calls tor has reasonable call to believe that the information is inaccurate

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 2020-07-07
Company: EQUIFAX, INC.
State: IN
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: Problem getting your free annual credit report

Complaint:
When I attempted to get my free annual report online this morning from Equifax, the response was that I couldn't get it online. No reason was given. I created and logged in to a personal Equifax account. There seemed to be no way to get a printed full report from this site but sections of the report were listed for online viewing. However, the only portion of the report I was able to view was the summary. On the summary, my credit report status was " blocked for promotional reasons. '' I object to having my report blocked for that reason. In addition, the option offered to me after my attempt to get the report online was blocked was to mail a form and copies of ID documents to Equifax. The instructions specified that the documents must be mailed in a # 10 envelope. I think it is an unreasonable burden on the consumer to require that the documents be mailed in a specific size envelope.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: Specialized Loan Servicing Holdings LLC
State: NJ
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:
We completed a loan modification with Specialized Loan quite a while ago, however they continue to report our mortgage as a mortgage in foreclosure. That information is not correct, as this is now a mortgage in good standing. We have asked them to correct this listing multiple times, but they refuse to do so.

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 2021-02-09
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Dear CFPB, today I received a letter in the US mail, supposedly from CHASE. The letter told me that they had not opened the account I requested. I had not requested that CHASE open an account. 

The letter listed two credit reporting firms, XXXX and XXXX, and directed me to call them if I had questions. I dialed one of them to ask what was going on, but thought better of it when I was asked for information.

I called CHASE customer service. They were pleasant, but directed me to stop by my local CHASE branch with the letter and my ID. I don't particularly want to go there, as I am staying home to avoid COVID.

I think this letter is an attempt to get financial information from me. It is not on CHASE stationery - it is a black and white printed letter. It is dated XX/XX/2021 ( today is XX/XX/XXXX ). I would be happy to send you a photo of the letter and envelope if that would be helpful. I am not aware of any problems with my identify or my actual bank accounts, but I thought you should know about what appears to be an attempt to commit fraud. Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Illinois XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: Kriya Capital, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX trough XXXX XXXX, XXXX, manager for XXXX XXXX XXXX called me multiple times to resolve a payment issue between XXXX XXXX and XXXX. I was getting charged for XXXX service which was turned off in XX/XX/XXXX. I was of getting charged for XXXX instead of XXXX  XXXX, which was my new cable provider. While I was assured that this is going to be handled. I was notified that the payments that went to XXXX will be applied to my XXXX  XXXX outstanding balance. The remainder of the balance for XXXX XXXX was paid in full in XX/XX/XXXX. 
While this miss communication was being addressed and handled, we relocated from XXXX XXXX to XXXX NC. The new apartment in NC does not allow any XXXX equipment to be installed on the balconies ( no dishes allowed ). I called in customer service the order to XXXX XXXX and explained the restrictions to the equipment and I was offered and upgrade to my service called XXXX XXXX Now, I was told that will not require any XXXX  placement and will not cost me new activation fees and or old cancellation fees because of the apartment restrictions. 
XXXX XXXX Now payments have been pain on trough auto withdrawal on : XXXX, XXXX of {$69.00}, XXXX XXXX of {$69.00}, XXXX XXXX of & XXXX ... .. so on. 
Called XXXX XXXX on XX/XX/XXXX when I received the XXXX XXXX collection noticed asking them to resolve the matter. The representative from XXXX XXXX, XXXX refused to connect me to a manager and did not review all the notes that were made on the account in XX/XX/XXXX after I asked I requested him to in order to resolve the matter. His advice was " call your bank and dispute the charges because the account is outstanding ''. 
Called the collection agency " Credence '' to explain the situation and ask for resolution the customer service rep to also review the notes on my account. He only had notes on my account from XX/XX/XXXX. He informed me that this outstanding balance is for cancellation fees. 
XXXX XXXX  customer service is telling my account has never received a payment and Collection agency Credence is telling me that this debt is for cancellation fees. Both agencies are not providing adequate information as well as resolution when asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: Professional Debt Mediation, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PROFESSIONAL DEBT attempting to collect alleged debt. 
{$780.00} & {$6000.00} dispute of validity sent XX/XX/2021

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: Experian Information Solutions Inc.
State: IL
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2021-10-06
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX CA XXXX XXXX Tel : XXXX Name of Contact Person : binance.us XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, California XXXX It's been six months since I transferred my XXXX XLM cryptocurrency to my binance.us 's wallet, but I didn't receive that. So I emailed the company, and the answer was : Your request ( XXXX ) has been updated. We wanted to let you know that we are still working on your ticket and apologize for the wait. 

After four months, I asked them again, and the answer was : Your support ticket is # XXXX. We have notified our tech team about this deposit. Please note that this is a manual process, and wait times may vary depending on volume. You should see your deposit credited to your Binance.US account as soon as possible. 

It is XXXX  month waiting to receive my xlm cryptocurrency in my account, and The company looks like playing a game with me. 

I look forward to your reply; please get in touch with me by email : XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Good Evening, On Tuesday, XX/XX/XXXX a series of transactions were requested from XXXX via PayPal While these transactions were getting a cancelled status, they were also being posted. I instantly reached out to PayPal, as well as XXXX, to inform them of this situation. PayPal only has a customer service option via text messages ; it took almost an hour for someone to reply. She recognized a possible scam, but advised that I should reach out to my bank, as theres nothing she can do about it. 

While PayPal confirmed that the payments were processed to XXXX, he continues to argue that no money was received by him. 

With PayPal refusing to take any action on my behalf, I have yet to see these payments returned, as both XXXX and myself agree that this is the right course of action. The second page to last in the attached supporting documents show 's XXXX 's intent to return the funds ( his messages in blue, mine in yellow ). 

I am reaching out to you because nobody is enforcing this return of funds. XXXX can continue to argue that he didnt receive anything, all while PayPal confirms that he did.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-19
Company: EQUIFAX, INC.
State: NY
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:
The following unauthorized inquiries appear on my respective credit reports : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: COAST PROFESSIONAL INC
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I received a bill from Coast Professional Inc. I owed XXXX I sent a letter XX/XX/XXXX to inquire verification of debt. I asked them in writing for more information on the their company as well along a copy of the judgement against me. I did go to University of XXXX for a semester XX/XX/XXXX, my cost was to be XXXX. I paid back around XXXX .Cost sent me another bill from them XXXX. along with a generic promissory note with a date XX/XX/XXXX which I went to school XX/XX/XXXX. I just want to know what they are charging me for, I want a breakdown of what I am paying for and they will not give 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 2020-11-23
Company: Pro Com Services of Illinois, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My XXXX XXXX provider XXXX XXXX XXXX routinely treats me and has done so most of my life. I have one six-digit account number assigned by XXXX XXXX XXXX for all billing purposes, $ balance varies. PRO COM SERVICES OF ILLINOIS, INC XXXX, IL XXXX, is a debt collector and is listed on my credit report ( see attached ), under collections - PRO COM SERVICES OF ILLINOIS , INC shows six bogus account numbers assigned to each Original Creditor XXXX XXXX - collection account with sum total for {$710.00} Balance, dates are spread out from XX/XX/XXXX to XX/XX/XXXX. Last two collections for XX/XX/XXXX. XXXX list the same account number XXXX, first one shows {$90.00} and second one shows $ XXXX.I am told PRO COM is also a Furnisher - entity that furnishes information relating to consumers by definition 12 CODE of FEDERAL - CFR 1022.41, to one or more consumer reporting agencies for inclusion in a consumer report. Information provided as shown on my credit report lacks Accuracy and Integrity, materially misleading in evaluating my consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics or mode of living and Appendix E to 12 CFR Part 1022 Concerning ACCURACY and INTEGRITY of INFORMATION Furnished to Consumer Reporting Agencies -CRA . Intentional Multiple Listings is most harmful.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: U.S. BANCORP
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
1 ) The mortgage servicer US Bank Home Mortgage has failed to accept and permit the submission and review for Mortgage Assistance to XXXX XXXX XXXX. XXXX XXXX RMA application was denied on XX/XX/XXXX. US Bank Home Mortgage stated that no options were available based on insufficient income. An appeal period of XX/XX/XXXX was provided. The appeal was issued to US Bank Home Mortgage on XX/XX/XXXX, within the required grace period. US Bank Home Mortgage chose to ignore the appeal and furthermore state appeal was never received. US Bank Home Mortgage then entered a sale date of XX/XX/XXXX. 

2 ) US Bank Home Mortgage also denied and rejected mortgage assistance application submitted on XX/XX/XXXX. US Bank Home Mortgage previously stated they would honor the application since it was seven business days before the scheduled sale date of XX/XX/XXXX. However, the very next day US Bank Home Mortgage denied application stating application was not complete. US Bank Home Mortgage requested information that was not required for completion of file. Based on my XXXX Tax Return, US Bank requested a P & L statement of two business that were no longer in operation. Which was also explained in the Letter of Explanation dated for XX/XX/XXXX. 

3 ) US Bank Home Mortgage improperly started the foreclosure process prior to the customer, XXXX XXXX being 120 days delinquent. Federal Law requires a 120-day Pre-foreclosure period by CFPB mortgage assistance guidelines, ( per 12 CFR 1024.31 ) The promissory note or any other loan contract does not contain a due-on-sale provision, thus 120-day rule is in effect. 

4 ) In addition, this constitutes dual tracking, based on the process starting before the 120-day delinquency period and US Bank Home Mortgage stated that file would be reviewed for mortgage assistance programs ; however instead of being reviewed, file was denied and continued to press sale date 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 non-monetary relief
Consumer complaint received 2018-09-24
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Recently Wells Fargo has changed the way they charged overdraft fees on my account. Previously, Ive never been charged if my account was negative due to pending withdrawals, as long as my daily ending balance was positive. Now Im being charged fees if the account has items clear while pending items show my available balance as negative. Ive called multiple times to see if there was an official change in the policy, but every agent that Ive spoken to has told me that this is how theyve always processed overdraft fees, which from my personal experience it is not how it was done before. My main concern is that Ill be charged fees for pending transactions that could never actually post to my account, such as using my card to book a hotel room, or if I use it for setting up automatic payments that result in a {$1.00} authorization that Im never actually charged. I wouldnt mind if they would just tell me that they made this change, but no one will admit to it so it feels extremely underhanded as they will be collecting fees until consumers become aware of the change. The most recent time that Ive seen this happen was today ( XX/XX/XXXX ) when I had a car payment post to my account on Friday ( XX/XX/XXXX ) and then received an overdraft fee even though my account had a posted balance of {$310.00} for the end of the day on Friday. I see no reason to have both a posted balance and an available balance when the posted balance has no bearing on my account.

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 2021-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
My mother fell ill and I became her main caregiver, while on FMLA and short term XXXX. During this time, I was in the middle of a divorce. This became challenging to pay the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: CCS Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Insurance company has my name for an account that isnt my account. 

Company is Harrasing me and has this incorrect information on My credit reports : XXXX XXXX XXXX XXXX  Incorrect information is impacting my credit score.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation