BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-22
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$200.00}, {$400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX XXXX XXXX  and the subsequent response received on XXXX XXXX XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$200.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not 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 explanation
Consumer complaint received 2019-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX # XXXX is reporting a debt I do not owe. This is paid off and should not be reporting a balance. I would like for this to be removed off of credit as it is already paid and is reporting incorrectly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
As a XXXX XXXX, I receive funds for XXXX XXXX. A customer paid with certified funds which the bank informed me the certified funds was counterfeit, I filed a police report which provide all information about the client that issued the fraudulent form of payment for work rendered. 

After that I conformed to pre paid cards to avoid such situations. 

I went from being an XXXX XXXX to having my XXXX XXXX. Todyay I tried to open an business account and was informed that the situation I thought was handle in 2014 was not

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 2017-07-31
Company: SUNTRUST BANKS, INC.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XXXX XXXX, 2017 I fell behind on my mortgage payments in the amount of XXXX XXXX because of an increase in my monthly HOA dues and a temporary reduction in my household income. On XX/XX/XXXX, I submitted an application to my lender, Sun Trust Bank requesting options that might be available to help assist me with bringing my loan current. I asked the bank if they could temporarily give me time to pay my monthly payments and if they were willing to forebear some of delinquent amount until I am able to bring my account current. In the interim, the bank continues to charge me late fees and other assessments thus making it harder for me to catch up. It is has now, XX/XX/XXXX, nearly 90 days and the bank has n't offered an alternative resolution or any assistance. Instead, I have been getting the runaround from its Home Preservation Department ; they are ones responsible for expediting my paperwork. They constantly make threatening and harassing phone calls and keep telling me documents are missing from my file and it is incomplete. I continually keep submitting and resubmitting the same documents over and over. It is becoming a never-ending paper chase. When I ask to speak to a supervisor I am told I have to wait 24 hours for someone to call me back. I have n't been able to reach a supervisor and one has not returned my calls. I would like for someone from the bank to explain why my paperwork keeps getting lost and why my documents are not being uploaded and put into my file for review. On XX/XX/XXXX, I spoke to a representative, which I will refer to as badge number XXXX. I have attached the following documents that the bank claim they are in need of along with my complaint. I 've also sent a copy of these documents to the Home Save and Debt Counseling Specialist with which I am working with at 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 2018-01-25
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Case # XXXX. My name is XXXX XXXX and this complaint is regarding an outgoing wire that was I was told would occur on XX/XX/XXXX. OnXX/XX/XXXXI wired XXXX USD to Coinbase XXXX from my XXXX account which is under the name XXXX XXXX ( this is my maiden name ). The federal reference number for this wire was XXXX. On XX/XX/XXXX Coinbase sent me an email informing me that they did received the wire ; however, due to a name mismatch ( my maiden name vs my married name ) they would be reversing the wire. 

It is nearly 20 days later and my wire has not been reversed. I have followed-up with them on the status of this matter multiple times ( at least 10 ) to no avail. I have conducted multiple wires during the course of my lifetime and never has it taken longer than 3 days. Normally 1 to 2 days. 

Not only has it been nearly 20 days since I was told that I would receive my wire and have not received my wire, but they are grossly negligent in their communication. On 2 occasions I have been sent an email saying that they will have someone look into the problem with absolutely no follow-up or accountability. This concerns me because if you look on social media and the internet at large ( I am certain that you 've received other complaints ) Coinbase has a history of taking peoples money ( not giving them access via account freezes, or wire disputes ) for VERY long periods of time without any communication. This is completely unacceptable and I have never experienced such blatant disregard by a financial institution of their fiduciary responsibility. This is borderline grossly negligent. Please keep in mind that the while I have been waiting for 20 days, there are others that have had this problem for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We short sold our house in XXXX and BofA is reporting late payments in 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 2020-04-27
Company: Experian Information Solutions Inc.
State: OH
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 had a issue with someone using my personal information I have several inquires that I never made from the following companies please delete the following INQUIRES : XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX. I do not have any loans or services with any of them. Errors please delete.

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 2020-10-09
Company: Selene Holdings LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am not in foreclosure. I also received a demand letter on or about XX/XX/XXXX, that my mortgage would be accelerated by XX/XX/XXXX if payment was not paid in full for the arrears. The XXXX, a federal agency, issued a ban on evictions until XXXX due to the XXXX Pandemic. 

I was not offered a solution as required under Executive Order from XXXX XXXX due to the XXXX Pandemic prior to these threatening notices. I feel that the notice taped to my front door was a threat to prematurely lock me out of my own home which is not legal under the laws of ANY state or federal entity. I feel that an additional threat to call my mortgage due on XX/XX/XXXX is another violation under the current order issued from the XXXX. 

I tried contacting the loan servicer who was not able to provide information to me regarding the XXXX XXXX notice to secure my property in the next few days. However, they did own the threat of calling my mortgage due by XX/XX/XXXX in spite of the Executive Order issued from the XXXX. 

Finally, I have force placed insurance on the property for which I am being charged. I have requested a copy of the actual policy on at least 3 occasions. I have not been provided a copy of the policy still. I received instead a copy of the declaration page only. I live in a hurricane corridor which began in XXXX and I am entitled to the actual policy for which I am being charged. I had issue with the declaration page because it describes the policy as " FIRE '' insurance coverage. I was not able to get the issue resolved by phone neither written requests to Selene Finance. I received a letter dated XX/XX/XXXX and again XX/XX/XXXX that my written requests had been received. I have yet to receive a copy of the policy for which I am being charged every month. Moreover, I do not believe that I have hurricane/ windstorm coverage or homeowners insurance coverage protection although XXXX continue to be charged. Hence I file these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2019-09-17
Company: AmeriCollect
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2019 I got collection record in my XXXX XXXX  report. It was {$110.00} amount they reported as a collection but I was not even informed before they did this and other person from XXXX XXXX   called and I already paid them money. I don't know why did they put it for collection. I want to dispute on this collection record.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: EQUIFAX, INC.
State: SC
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 REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THOSE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION, BECAUSE OF THIS IT HAS CAUSED A GREAT HARM TO MY CREDIT AND IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
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 VICTIM OF AN IDENTITY THEFT AND FOR OVER 6 MONTHS I HAVE BEEN TRYING TO HAVE EQUIFAX TO REMOVE THE FRAUDULENT 2 ACCOUNTS FROM MY CREDIT REPORT. AT THIS POINT I AM NOT REALLY SURE HOW ELSE TO PROVE THAT I AM VICTIM OF AN IDENTITY THEFT. I FELL LIKE AT THIS POINT EQUIFAX IS DISCRIMINATING AGAINST ME. I HAVE SENT THEM A POLICE REPORT, IDENTITY THEFT REPORT. NOTARIZED DOCUMENTS AND FOR 6 MONTHS THEY HAVE NOT DONE ANYTHING. THE SAME ACCOUNTS WERE REMOVED FROM XXXX AND  XXXX XXXX. SOMEONE STOLE MY INFORMATION, PRETENDED TO BE ME AND OPENED ACCOUNTS FRAUDULENTLY, NOW I HAVE BEEN BEGGING EQUIFAX TO HAVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REORT. I HAVE ALSO REACHED OUT TO XXXX XXXX XXXXXXXX AND TO XXXX XXXX  LINE OF CRED, THEY BOTH CONFIRM THAT EQUIFAX HAS NOT SUBMITTED ANYTHING TO THEM. NOW I FEEL LIKE EQUIFAX HAS SOMETHING TO DO WITH THE FRAUDULENT PERSON THATS WHY THEY ARE NOT REMOVING THE ACCOUNTS, ITS BEEN 6 MONTHS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 had a issue with someone using my personal information I have several inquires that I never made from the following companies please delete the following INQUIRES : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX. I do not have any loans or services with any of them. Errors please delete.

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 2020-12-22
Company: Dovenmuehle Mortgage, Inc.
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We paid off our mortgage and moved to a different house. The Lender failed to update my new mailing address and mailed my escrow refund, which was around XXXX dollars, to my old address. On XX/XX/XXXX, after not having received the check, I called the vendor and they confirmed they had the mailed the check to the old address and would reissue the check on XX/XX/XXXX allowing for XXXX business days before they can re-issue. I updated the address on this call. After not receiving the check by XX/XX/XXXX, I sent an email to find out where it was. I was told to call customer service. On XX/XX/XXXX, I called customer service and was told the check that was issued on XX/XX/XXXX was ALSO sent to the old address. I confirmed that they did this, even though my new address was on file. I was then told I would have to wait another 30 days for the check to be re-issued. This is a fraudulent attempt to keep the money and hope I get wore down while they earn interest on the money. I forwarded my mail a week before we even moved, and I have received other mail from this company, such as escrow analysis, etc.. I am confident that they have not even mailed ANY checks, otherwise it would have been auto-forwarded to my new address like the other things they have sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Best Capital Funding
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a mortgage loan with Best Capital Funding ( BCF ) XXXX. Loan amount {$170000.00} I did not receive my mortgage statement for XXXX, nor I received any correspondence from BCF regarding to my loan. I contacted BCF twice on XX/XX/XXXX and XX/XX/XXXX via BCF online secured message. They replied to me today XX/XX/XXXX that they sold my loan on XX/XX/XXXX. I did not receive any notification regarding the transfer of my loan. Therefore, I'd like to file a complaint on Best Cap Funding for not notifying homeowner when their loan being sold to another mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: Statewide Credit Services Corp.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I realized just about a month ago when my credit report was pulled that I had a collection for a medical bill that was fully paid by my primary insurance. The collection was from XXXX XXXX Medical Center in New York and the claim was for {$200.00}. As soon as I was made aware of this outstanding bill I had, I contacted my primary health insurance company to see if they had knowledge of a claim that was submitted and if I owed any sort of deductible payment. It wasn't even 12 hours later when I was contacted incessantly by Statewide Credit Services out of XXXX XXXX New York. I tried to make a good faith effort to resolve this issue and was met with such abusive and demeaning responses when they did reply to my communication. The other half of the time they completely ignored me and offered nothing but ultimatums basically threatening to make my life miserable and turn this into a vendetta. I am not used to such business dealings with unethical treatment. This was just probably something that was coded wrong by a health care biller and it has turned into an issue that has been stressing me out to the point of exhaustion. I really wasn't aware that collections agencies were immune to a code of ethics or could outright make threats, and handle business with outright abusive personnel. I really am unsure how they have a rating with the XXXX if they treat everyone like this. I really can't handle the downright duplicity in their claims and treatment of my account. I am asking that the CFPB intervene on my behalf. 
Respectfully,

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: EQUIFAX, INC.
State: TX
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:
In XX/XX/2019 I noticed several hard inquiries that I didn't recognize. Called the credit bureau to dispute them and they are still on my credit report. Bureaus response are they are a factual part of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: Experian Information Solutions Inc.
State: OH
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:
Called Experian, XXXX, XXXX multiple times and requested all addresses be deleted other than my physical address and my mailing address. My phone request was met with all denials that I couldnt dispute personal information, Statements, fraud alerts, or personal inquires or accounts. Ive attached my dispute resolution

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 2019-05-15
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 went to my bank to see apply for a loan to purchase a home for my family and my mom. My banker told me that I did not qualify because of my credit. She gave me a copy of my report and I also went a pulled it myself and there are items on my credit that are not mine. Please remove from my credit XXXX XXXX. XXXX XXXX XXXX XXXX  system. XXXX. Ere. XXXX. XXXX XXXXt and XXXX XXXX. I have contacted the FTC and my local police. Im doing this on my own behalf.

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