BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-25
Company: EQUIFAX, INC.
State: AL
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:
Im having trouble with equifax I have 19 Fradulemt hard inquiry that dont belong to me. I have tried to file a dispute with Equifax about these fradulent inquiry but I never heard any thing back and I want them to be removed. I also see a couple of item that was removed show back up on my credit report and thats not right and I will like those to be removed because those are also fradulent those account are 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX  And XXXX XXXX  was removed and show back up on my credit report Im taking action and my own hand because inaccurate information is on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: Santander Consumer USA Holdings Inc.
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XXXX XXXX, 2017 the loan was paid in full never having had a late payment. I received notice that the loan was paid in full with an over payment of {$320.00}. A refund check would be sent within 30 days. I have tried to call and see where the refund for the over payment was and have been told by several Santander employees that the refund was sent by XXXX. I do not know what XXXX has to do with it, but my agreement is with Santander. The refund has never been received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-21
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/ 2019 I was overdrawn on my checking acct. ending in XXXX and I asked my husband to quick pay me enough money to cover. Now we have the same bank, Chase bank, same location and all so he quick payed me the money and my acct. was current. The next day I checked my acct and I was charged two {$34.00} overdraft fees! I called the bank right away and they said I didn't get the money to my bank on time??? I told them it was before XXXX XXXX eastern time and they said I had to have it on central time! Who the XXXX has the time to look into that?? When I check my acct. that day I was fine. I am tired if these banks finding every way possible to charge fees! They were able to credit the one fee but, I was requesting the other one as well because my bank was ok when it cleared! I want my {$34.00} back on my acct.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-11
Company: EQUIFAX, INC.
State: IL
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 Reporting act XXXX XXXX Account # XXXX, 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 without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have been having issues with Coinbase for over 9 months that my money was stuck with them, at first I couldnt login into my account which took way too long, after about 7 months I was allowed to long in into my account which i was happy that finally I can get my money out. I try to withdraw all my money out into another wallet address which I was told they wouldn't allow be to withdraw my money via Cryptocurrency except I add a bank account. It took them several days after I was able to login before they can respond back to me. 

Now I tried adding another bank account to get my money immediately which i transferred part of my money to the new bank, Now i am trying to add another bank account or my XXXX account to Coinbase which i realized again they locked me out from adding any form of payment. 

I am tired with the way coinbase operate I need to get my money out and be done with that company. I really need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
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: Investigation took more than 30 days

Complaint:
XXXX is reporting inaccurate information to consumer reporting agencies. XX/XX/2017 XXXX closed a account and charged off incorrect balance. XXXX charged off a account as {$19000.00}. This is incorrect according to the surplus and deficiency letter obtained by the XXXX. XXXX NEVER responded to any written letter of validation from me ( consumer ). XXXX refuses to delete even though they committed a FEDERAL CRIME by reporting false information to the IRS. I am contacting the IRS as well. They wrote off the inital price of the loan {$19000.00} instead of the approx XXXX that was stated on the information XXXX provided the XXXX. This is tax fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
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: Old information reappears or never goes away

Complaint:
The account with XXXX XXXX XXXX was closed and charged off back in XX/XX/XXXX and on XX/XX/XXXX it was removed from my credit report and they placed it back on my credit report this year XX/XX/XXXX and should be off on XX/XX/XXXX i want this account removed from my report because I even called the collection office and they dont even have an account for me because that account was written off back in XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I contacted EQUIFAX, XXXX, and XXXX on XX/XX/2021 about them colluding with the accounts on my credit report to commit identity theft and fraud. As a consumer and natural person EQUIFAX, XXXX, AND XXXX had no written consent from me to furnish this account on my report therefore they are in major violation of my consumer rights. Pursuant to 15 USC 1681 b ( a ) ( 2 ) : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I, the consumer, gave NO written consent to furnish this account on my credit report. Also, pursuant to 15 USC 1681 ( a ) ( 4 ) : Accuracy and fairness of credit reporting. The Congress makes the following findings : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. By furnishing this account on my report without the express written consent of me, the consumer and natural living person, you are engaging in unfair and unethical practices as a consumer reporting agency. So I, the consumer, demand that EQUIFAX, XXXX, AND XXXX remove this account from my credit report right now or face legal action. Finally, pursuant to 15 U.S. Code 1681c2 ( a ) ( 3 ) - Block of information resulting from identity theft - Except as otherwise provided in this section, aconsumer reporting agencyshall block the reporting of any information in thefileof aconsumerthat theconsumeridentifies as information that resulted from an allegedidentity theft, not later than 4 business days after the date of receipt by such agency of the identification of such information by theconsumer. Therefore they have 4 business days, and Congress states EVERY day is a business day, to remove this " XXXX '' account from my credit report or be in further violation of my consumer rights and face heftier fines/fees and legal action. The account in question is attached to this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
sequium asset solutions Did not send out a letter in the mail During the 1st communication about the debt This violates the FDCPA Within five days of its first communication to you, the debt collector is required to send a written debt validation notice to you. ... The FDCPA allows the collector to include the debt validation notice in the initial communication if that communication is a letter

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a Capital One account, and had a balance transfer promotion on the account per a bathroom remodel. My line of credit on the card is $ XXXX, and the balance as of XX/XX/XXXX was {$8500.00}. I have since paid {$8100.00}. 

My issue is as follows : I moved in to temporary housing in XX/XX/XXXX and requested a change of address. The address was not changed and as a result I did not receive statements until the XXXX statement was forwarded by the post office. The account has been on auto pay since the commencement of the balance transfer promotion, which included a balance transfer fee. Capital One was receiving payments all along. I since called Cap One due to the forwarding label and old address reflected on the statement and they confirmed the address had not been changed as requested, but they would proceed to make the update. 

The address change issue led to my account being charged interest I believe for the months of XXXX, XXXX, XXXX, and XXXX due to the balance transfer offer having expired. I had no other transactions other than the promo. I called the customer service department twice speaking with XXXX and XXXX ( ID XXXX ). Both acknowledged the address issues and non receipt of statements being very apologetic. Yet, they indicated Cap One does not adjust interest charged. They totally refused to escalate the call indicating they are sr. representatives and that is where it stops because they do not have the ability to transfer calls to their own supervisor or to escalate matters further. 

I called the executive office as I feel I have been treated unfairly and discriminated against and they advised me that all escalations have to go through their general customer service department. This is a large bank and it is unfathmable that this is the way they operate their business and treat customers. I am requesting that the interest charged of {$350.00} be adjusted. Credit card companies are required to provide monthly billing statements to customers, and the fact that Cap One did not do this and conveniently the Balance Transfer promo was to expire makes me believe that it was intentional. I am disputing the interest charged and am requesting an immediate refund for the amount. This will bring my account balance to XXXX. 

I hope that you can assist me with this matter. 

Should you have any questions, I can be reached at ( XXXX XXXX XXXX. My new address is XXXX XXXX XXXX XXXX, XXXX DE XXXX. But, the new mailing address is XXXX. XXXX XXXX, XXXX  DE XXXX. 

Thank you kindly, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I have inquiries on my report that have been giving me problems for almost 2 years now.It is from XXXX XXXX XX/XX/XXXX and XX/XX/XXXX.This is a duplicate along with others from companies that have been getting me denied for lines of 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 2019-02-21
Company: Ditech Financial LLC
State: OH
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company letterhead known as " ditech Home Loans '' has been sending letters trying to collect a debt that was and is not ours.They have been called and I have told them that we never had a loan or mortgage with them. They then say that they bought our mortgage from XXXX XXXX and again we told them that I never heard of that company nor had any financial doings with a company of that name. Our mortgage was settled with payment in full back in 2013 and was not with either of the complaining companies. I have been a victim of identity theft and this is being reported to my already damaged credit.The letteres that they are sending are coming on a monthly basis and when I call them I get nothing but excuses and more fake information, even being vulgar at most times.Please help me stop this harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Two to three months ago I contacted PennyMac to inform them that my income decreased and I would not be able to make a payment ( before the payment was due ), this is where is conflicting of information started. One representative told me I would have to be atleast 10 payments behind for any foreclosure procedures to start so I should be fine ( that sounded odd to me ). I called back a week later when I received an automated call from PennyMac, I spoke with a rep whom stated I would be mailed a mod packet. I was denied for the modification, we are now into the next month and I make a payment ( still one payment behind ). 

The mod rep calls me to let me know I am denied, I ask if there are any other payment options and she tells me to wait until collections commence ( which will happen after the mod denial ). I get another automated call and I call back the next rep I spoke to tells me I am eligible for forbearance, I told her no one contacted me and told me that so how was I supposed to know? She said if I accept the forbearance she would update my account and someone from PennyMac would call me in 3 business days. I am still wondering how was I to know about the forbearance if no one called, if I did not call I wouldn't have known. 

Three business days go by no call. I call PennyMac again, a rep then tells me someone should be calling me in 3-5 business. Five business days go by and no one calls. I call back to speak to a rep and she says a mod packet has been mailed to you???? A mod packet I ask, I am waiting for a call regarding something different. I don't tell her it for forbearance but I did ask her to review notes on my account and tell me what has been documented from the last 3 times I called. She said she didn't see anything noted on my account about forbearance. I'm agitated at this point and ask to speak with a supervisor, she ask me why-I TELL HER BECAUSE I KEEP GETTING CONFLICTING INFORMATION EVERYTIME I CALL!! 

Supervisor gets on the phone goes over my account and says he does see info about the forbearance being under review. He claims he called over to the forbearance department and someone will- '' WILL '' call me back early afternoon about my account. Well its the next day and I have not heard from anyone. This is ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/21 Mr. Cooper d/b/a Nationstar Mortgage, LLC debited a total of {$2500.00} in 3 separate transactions from my bank account, when only a single mortgage payment of {$840.00} is scheduled for XX/XX/21. My bank was thankfully able to restore the funds. However, in a pandemic when everyone is experiencing financial hardship, this is glaringly-shameful example of corporate negligence for which Mr. Cooper d/b/a Nationstar Mortgage, LLC should be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX IS REPORTING A REPO. ON MY CREDIT REPORT, I HAVE NEVER HAD A AUTO ACCOUNT WITH XXXX. THIS ACCOUNT IS CURRENTLY IN LITIGATION AND IS EFFECTING MY ABILITY TO PURCHASE A AUTOMOBILE ALSO KEEPING MY CREDIT SCORE BELOW XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
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:
I submitted a letter to the 3 Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

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 2021-02-24
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: Information belongs to someone else

Complaint:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an items on the report that is inaccurate. The account in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. I did not Authorize this Account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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 have a loan with XXXX XXXX XXXX and CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and XXXX XXXX XXXX and CAPITAL ONE with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01
Company: Navient Solutions, LLC.
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have had been a Navient student loan customer since XX/XX/2013. My total amount that I supposedly owe is through the roof. I called them several times to see if I qualified for loan forgiveness an they told me I had to make 6 months to a year worth of payments. I thought that was wrong so I called consolidating program an they told me that they have my loan on lock down because Navient was being sued. I didnt think it was fair for me to suffer to pay when them getting sued isnt my fault. Im asking this could I please have help with this matter.

Company response to consumer: Closed with explanation