BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I contacted XXXX as I noticed a few inquiries on my report I didnt inquire about they did not want to help nor resolve the problem. The person was very rude. Needs to be resolved and then reprimanded.

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 2018-03-22
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Checked my Equifax credit report and found inaccurate information that I wanted to dispute. I called the company that is filing the correct information and started getting things covered on that end and they're trying to take care of it, but I also wanted to submit a dispute with the credit reporting agency to make them aware from my end as well. However, they direct you to the website - https : //www.ai.equifax.com/ - to submit a report. This website does not load, just states " please wait for website to load '' and after 15 minutes in XXXX XXXX, XXXX, or XXXX, it did not load. There is no other way given to report a dispute. When a credit report can affect your ability to get a job, a place to live, or basically any aspect of life not being able to correct inaccuracies can have a devastating effect on people 's lives. I would like to report equifax for this issue, as well as would like to be contacted with another way to file the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Have reached out to my servicer on numerous occasions to have our property taxes paid. Our house sits in a dual county area and requires taxes to be paid to 2 different assessors. We have our taxes set up to be escrowed and the correct amount is being taken to pay the entire amount. Our taxes are now 4 months past due and have added an additional $ 400+ in late fees as well. We have called multiple times since XX/XX/XXXX and this issue has yet to be rectified.

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 2020-06-06
Company: Experian Information Solutions Inc.
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: Old information reappears or never goes away

Complaint:
It was determined on XX/XX/2019 that a loan with XXXX XXXX XXXX was fraudulent and the account was deleted from my credit report. But then I just received an alert from Experian on XX/XX/XXXX that dispute results are ready pertaining to this same account that was removed from my credit report. In addition I never filed a dispute for this account due to the fact it was removed 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 2022-08-11
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX Balance Owed : {$2900.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$1200.00} ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX  XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 2019-11-18
Company: CMRE Financial Services, Inc.
State: CA
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:
I originally contacted this company because I was confused about the nature of the bill. Soon I discovered that my insurance company through my employer had not paid my ER visit to the hospital. Also I want to add that the hospital never mentioned that I was outside of network.it took nearly two years for me to discover that I had not been covered because I XXXX  XXXX in XXXX.Upon my XXXX  I contacted this collection agency, I had no idea what this was about. The man on the phone was very rude and unprofessional he treated me like a XXXX  also stated that this account will never be removed and that it would remain damaging my credit and that if I didnt pay this that it would continue to increase and that there is nothing I can do but give full payment and that it would still not be removed from my credit.It has really impacted my ability to XXXX  myself since I cant even find a place to live since this account continues to increase in cost that I can not afford to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I find out that my information has been used fraudulent by a phone call the last call I received was on XX/XX/XXXX, I check my credit I had the issue before in XXXX, I dispute the fraudulent account, I did not received any money to go to school in XXXX, or XXXX, The Company XXXX, ask me to send some papers with my identification, I been sending the same information, for 9 years now, They and Experian refuse to remove it from my credit report, and is affecting me know, I have to move to another place the Landlord got so sick and has to sell the property, due to the negative of the student loan my score is low, I submit a request to experian with a police report, they refuse to delete it from my credit report, I submit the same request to XXXX  and XXXX XXXX, they work well with me and help me to resolve the Issue, I been calling and sending proofs to Experian and XXXX, but they refuse to remove those accounts from my credit. 
I request please for them to remove those student loans that I did not apply for or get any money from any one.

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 2021-02-03
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was recently taken over by Mr. Cooper home mortgage loans XX/XX/XXXX. In that time they have double charged me twice, when disputing payments that were never authorized on my behalf nor scheduled on my behalf they charge me fees to dispute. When contacted them in XXXX for XXXX XXXX charge they instructed it could not be waived, even though the disputed charge was never scheduled on my behalf. Again  XX/XX/XXXX another duplicate payment was made not authorized by me, I have confirmation emails showing my one monthly payment only. When contacted company to dispute they yet again charged me another non-waivable fee for a payment they made an error on. When asked if this was going to occur every month I schedule a payment they had no response. When asked to speak to a manager they changed the subject and ended the call. When scheduled a call back on Monday XX/XX/XXXX a call back was never received. I now have XXXX XXXX worth of disputed fees attached to payments I never authorized in the 2 months they have had my loan. I have reported to XXXX but have not heard back in regards to this matter. I want to be able to pay my monthly mortgage payment without having to worry about being double charged, lied to, and made a fool when I have been a homeowner for 13 years I have never experienced issues and customer service more horrendous than Mr. Cooper. They should not be in business let alone doing this to hardworking people who pay and have impeccable credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: EQUIFAX, 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 status incorrect

Complaint:
Account is reporting multiple inaccuracies and violations of my consumer rights. I have disputed this with the bureaus and the creditor, both of which have failed to remove or correct any of this information. Creditor has also failed to mark this account as disputed and is reporting a derogatory/collection status which is inaccurate, this account should reflect as " PAID AS AGREED ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24
Company: Experian Information Solutions Inc.
State: MA
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 asked Experian to change the status or ad a statement saying that XXXX account was paid or is closed, not unknown. 

They have not fixed., They are very irresponsible toward citizens creditworthiness. The government should put more attention to the work ethic, treatment, and professionalism of this bureau.

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 2021-09-10
Company: EQUIFAX, INC.
State: NJ
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:
XXXX said account was not derogatory/owed however sold to Fair collections outsourcing during Covid-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a loan, when I asked for my appraisal letter I was informed that it was not ordered therefore no letter, I was not happy with the handling of the procedure and told the company I will go elsewhere since they have taken my money but haven't rendered services I paid for, was told on XX/XX/2021 that they will cancel my application and refund my money in a few days. I have not gotten any payment back or received confirmation that they were refunding my money.

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 2021-06-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have contact well fargo and transaction made online on my debit card over XXXX $ and welfargo denied my claim i dont made purchases online I only purchase to the store only I need them to do something about it they can denied my claim over XXXX thats a lot of money to be denied they need to reimburse me the money

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 2019-04-16
Company: ID Analytics, Inc.
State: TN
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:
I have been turned down for credit. The letter was from XXXX XXXX. out of California. I have never even heard of this company. To get a copy of my credit from them I am required to send hard copies of my personal information to them by mail or fax. Well that opens me up to identity theft. Who are these people? What happened to XXXX, XXXX & XXXX. Why is it companies can access this information from who knows what company about me but I can not? This isn't the first time I have had problems. Companies can access this information on me in detail in a matter of minutes. They are showing my credit score lower than any of the other credit bureaus. Really? How many more anonymous companies are out there making up junk on me? And they are not even signed up with the Consumer Financial Protection Bureau. Who gives them the right to handle credit?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have an account that was closed on XX/XX/XXXX approximately to a 0 balance. It is reflecting late payments in XXXX of XXXX and XXXX of XXXX as far as I could see on XXXX XXXX. Another Credit report which I have submitted screen shots for shows more late payments on different dates. 

I have called XXXX XXXX XXXX XXXX XXXX XXXX and spoke with them and they stated it was closed out then and not further action has been taken. Since this has reported time and time again. I am unsure if they have been furnishing the other institutions with incorrect data. 

I have disputed this problem with Equifax time and time again. XXXX  is also in violation of this. They aren't doing a proper investigation into this and are reporting incorrect information purposefully.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: Coinbase, Inc.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have a Coinbase account, with a Coinbase " wallet '' and a " XXXX '' in which I store bitcoin. 

The XXXX functions as an additional safety measure, and requires verification from 2 different email addresses prior to authorizing the transfer/withdraw. 

Over the past week, I have been trying repeatedly to transfer the full balance of my XXXX  to my Wallet. The link to my primary email ( XXXX ) works fine. However, the link to my secondary email ( an XXXX account, XXXX ) does not work. Anytime I click the link it tells me that " this action has already been performed '' even though it has not. As a result of this, my money is essentially trapped in the XXXX. Searching the internet, it seems that many other people have had this issue using XXXX/XXXX   accounts, and is a result of the additional security measures these email serves utilize. When I created the account, there was no warning to avoid using these accounts. 

Over the past 2 weeks, I have submitted 5 complaints to Coinbase. All were given an automated response which did not resolve the issue. I finally got an authentic response, and was asked if I wanted Coinbase to manually transfer the money back into my Wallet, and then delete the XXXX. I responded that yes, I wanted this to happen. Even though I responded promptly ( and have the email to prove it ) days later I got an email from them saying that I needed to respond within 48 hours or my complaint would be closed. I replied within 2 hours of receiving this email, nevertheless, I received an immediate response from them saying that my ticket had been closed, and that I needed to file another complaint. 

So essentially, my money has been trapped for 2 weeks, with very disappointing effort from Coinbase to help remedy the issue -- despite multiple attempts on my part. Any assistance you could provide in helping fix this issue would be much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, TRANSUNION AND XXXX  HAS SOME ITEMS ON MY CREDIT REPORT. THAT ARE INACCURATE/NOTMINE/FRAUD. THAT THEY REFUSED TO REMOVE OR 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 2019-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I'm a XXXX XXXX XXXX  and had two ( 2 ) business checking accounts with Bank of America, and without any give reason Bank of America closed our accounts saying that " After reviewing your bank relationships we have decided to close your account. '' Adding that they did so on the same grounds that we ( I ) could close the account for no stated reason. I was not given a warning of any improper usage or abuse of the account. When called for an explanation they refused to give me any explanation or reasons. They gave me 15 days to stop all transactions on the account. However, having the account funds still available, I can not use the card nor I can a write a check towards the funds available. 
I think this practice is abusive and discriminatory. Please do something.

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 2018-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
All my inquiries have been hard pulls and its affecting my credit I got a full credit report and dont recognize none of these inquiries done by me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: J&L Collection Services
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Multiple calls daily to my number. 
Also called a third party and told them they were a debt collector

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 2019-04-16
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was answering to an add at XXXX to purchase hay for my animals. XXXX texted me at XXXX that he doesn't have any more hay available, but his friend in Ohio has some he would ship to me. He gave me a quote over {$1300.00} and asked to pay him via XXXX. He texted me from XXXX and told me to use his email XXXX to send the money via XXXX . I have not received a bill, an invoice or a name. The phone is not registered and this email is marked as a scam email. He ceased contact and dies not answer his phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On Tuesday, XX/XX/2020, Somebody hacked my Cash App account and sent {$650.00} at XXXX XXXX. To a unknown person. I received a notification on my phone immediately and contact the cash app about the unauthorized transaction. The only way to contact Ca $ h Out is via email I sent an email regarding the On authorized transaction and reached out via XXXX. They told me they would not help me due to this unknown device has logging onto my account before. I stated that I can show the serial numbers to my phone to prove that was not me authorizing this transaction, I also have face recognition on my phone.After I sent the following email I Heard no response from Cash app. I googled the persons name the money was sent to and it looks like a fake person account. If you look at my previous history Ive never sent money to this person in the past.This is not fair to me as a customer whos had a long standing relationship with cash app. Ive never had this issue happened in the past and nobody is trying to help me

Company response to consumer: Closed with explanation