BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-06
Company: PENNYMAC LOAN SERVICES, LLC.
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We had a mortgage takeover by a LLC that is responsible for paying a mortgage for a home they own and we do not pay for anymore. They fell behind on payments multiple times from XXXX to XXXX. So we had gotten paperwork for a foreclosure then the company finally decided to catch up on the payments but the damage to our credit was done by them not us and we want that corrected as it was not a direct result of our doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: Bread Financial Holdings, Inc.
State: HI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My wallet had been stolen from me on XX/XX/XXXX, around XXXX PST. Once I realized my wallet had been stolen, which had my Victoria 's Secret Credit card in it, which is issued by Comenity Bank, I called the toll-free number provided by Comenity to report my card stolen. Customer representatives were not available, but an automated service provided the option to report my card stolen. I followed all the correct prompts but at the end of the prompts, the automated service told me it could not assist me with my reporting my card stolen. I called again, and followed the same prompts to report my card stolen and was told again that the automated service was not able to report my cards stolen. So, I decided to wait to call back when a customer service rep. would be available. A week later I received notification from XXXX, that XXXX and XXXX reported there was a change to my account, which was that my Victoria 's Secret credit card account had been closed as of XXXX/XXXX/2017.
I reached out to Comenity Bank who confirmed that my account had been closed by their automated system, and the only option to remedy this was for me to re-apply for the Victoria 's Secret card again. I have been a cardholder with them for 4 years. Even though the mistake was their own, they had no solutions to remedy the injury they caused me. Now, I have a closed account on my credit report because of a mistake that their automated system caused. This will impact my credit score, and I refuse to reapply because reapplying for the credit card will also affect my credit score when it pulls a hard inquiry to determine my approval for the card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-02
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I believe that the CFPB has prematurely closed my previous complaint XXXX Wells Fargo 's response was incomplete and 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 explanation
Consumer complaint received 2019-11-15
Company: CAINE & WEINER COMPANY, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX added a debt to my credit report that was not mine. They also sent it to Crain and Weiner. I had to file a complaint against them for harassment. They have stop calling me but put it back on my credit report. I called XXXX XXXX and they are saying that the collection added it back on. I feel like this is just more harassment because I filed a complaint against them. I want this taken off my credit report completely. 
This form of retaliation has to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: SYNCHRONY FINANCIAL
State: IL
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 got an email from XXXX XXXX stating that I had a new Hard Inquiry from SYNCB National Credit Cards / Airlines and that if I wanted to dispute it the best way was to submit a complaint through you  guys. I did not authorize this Hard Inquiry and do not know who SYNC B is. I have not applied for any forms of credit or authorized anyone to run my credit recently. I looked up the company online and have seen numerous other complaints about a " Fake company '' Called SYNCB national credit cards / airlines appearing on other peoples XXXX XXXX accounts as hard inquiries, so I am going through you. Any help would be greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act Account XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, Merchants Credit Guide located in XXXX, Illinois, showed a collection for {$220.00} on my credit reports. Prior to the collection appearing on my credit reports I had no knowledge of the debt. Since, I have disputed this collection with XXXX ; XXXX XXXX ; and XXXX. All but XXXX removed the collection from my credit report. On XX/XX/XXXX, I spoke with three individuals at Merchants Credit Guide over the phone. I told them that I would pay the {$220.00} just as soon as they could provide documentation to support the validity of the debt. Every time I asked for documentation to support the debt or support their claim of attempting to contact me in the past, the individuals immediately became defensive and would transfer me to another individual. After speaking to the last individual who represented himself as a manager, I was told the best that could be done was another bill would be sent to my address. It is my opinion that a bill from Merchants Credit Guide does not support their attempt to collect a debt from me that I have no knowledge of. I told Merchants Credit Guide that I would not be paying the " debt, '' however, if they would like to mail me documentation from the debt that they claim to be collecting I would pay it. The manager told me that he was putting a cease and desist on the account and I would not be hearing from them again.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
After submitting verifying documents to remove fraudulent activity from my report, XXXX reinsert removed items back on my report, failing to notify me in writing that they were reinserting those items back on my credit report. 
Several items are in access of 7.8 years and other items added back to report has no supporting documentation of me signing nor entering into an agreement with creditors.

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 2020-08-28
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX {$8500.00} XXXX XXXX {$0.00} XXXX XXXX {$3700.00} XXXX XXXX {$390.00} XXXX  XXXX XXXX {$0.00}

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 2018-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XX/XX/2017, disputed all accounts negatively impacting my credit due to old accounts still showing up and incorrect account information about balances and payments and identity theft and false statements on accounts.

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 2021-02-21
Company: EVERBANK, NATIONAL ASSOCIATION
State: AZ
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:
TIAA bank sold my mortgage to their sub-servicer, XXXX. My credit immediately dropped 15 points from XXXX  and XXXX because it shows my mortgage as closed. I made a complaint with TIAA, all three credit bureaus, and consumer finance. I received a notice of remarks on my credit reports for XXXX and XXXX, but XXXX is the only one that went back to normal ( above XXXX ). Now, XXXX shows my credit dropping 30 points for the mortgage falsley being reported as closed!!! I'm now in a separate credit worthiness bracket!! This is unacceptable for a financial institution. Please correct this incompetence ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: Commonwealth Financial Systems, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Common Wealth Financial has reported a Collection account on my credit reports for {$180.00} that does not belong to me. This has caused my credit score to drop and is causing issues. This does not belong to me. I have never received any communication from them regarding this matter nor do I know anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX is a collections company and it is against XXXX to transfer information that is not mine. It was removed from XXXX, XXXX and Equifax Keep removing and placing the information back on my credit. It should be removed immediately as it is not mine and it is medical sold to a third Party. I was a part of the major Equifax breech and i strongly believe this is a part of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: Experian Information Solutions Inc.
State: NC
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:
wrong information on reports incorrect address name birthdate phone numbers collection that is does not belong to me inquires that i didnt do

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 2020-05-17
Company: Nelnet, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Due to the COVID-19 I have reached out to Nelnet student loan service to ask whats options I had in a assistance with financial stress. I was given the option to place my loan in forbearance for 90 days, which I opted to do. The company did not let me know that they would be placing a note on each credit reporting agency under their debt the consumer has been affected by a natural disaster in which has dropped my score by about 20 points on each. I asked to have this removed to no avail due to the negative effect is has had on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: NAVY FEDERAL CREDIT UNION
State: CO
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:
This is following up on my previous claim which was closed. I now have proof that my ex husband has tried to remove me via an assumption ( per Navy Federal this is the only way to remove me ) and they WILL NOT LET HIM do this! 

In XX/XX/XXXX my husband and I got a divorce. Per speaking to a Navy Federal representative prior to our divorce we were told we needed to provide a divorce decree and quit claim deed removing me from the home and then I would be let off the mortgage. After we completed all of this and then submitted this paperwork I was informed that their rules had changed and I would not be allowed off the mortgage until my ex husband did a few other things. I am unable to get him to do any of those things as we were divorced at that point. I have contacted Navy Federal and disputed this being reported on my credit for years however it still remains. In XXXX my ex husband was permitted to extend the mortgage for an additional 10 years to a 40 year mortgage and add some personal debt to it. I did not sign this paperwork and his sister is the notary who notarized it. I disputed this again given that I do not know how this could have even been legal however have been turned down again. My ex husband does not pay the mortgage on time, does not live in the home and this is literally ruining my life. I can never get approved for anything and if I do it is at the cost of a ridiculous rate. I want this mortgage which was unethically and possibly even illegally extended and added to without my consent removed from my credit reporting

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX {$8500.00} XXXX XXXX {$0.00} XXXX XXXX {$3700.00} XXXX XXXX {$390.00} XXXX  XXXX XXXX {$0.00}

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 2021-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX XXXX XXXX XXXX is refusing to allow my ex husband to do an assumption to remove me from the mortgage on a house we used to own together. Per our divorce decree he is the only one that is financially responsible for the house and XXXX XXXX is not allowing him to to remove me. 

This is the same as my former 4 complaints however I just received the proof that he has been trying to do an assumption ( which what XXXX XXXX says he needs to do to remove me ) but they will not let him.

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 2021-02-02
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I am contacting this agency for the third time in regard to the same problem, but with complaints about the said resolution of the institute at fault. My original issue was the forgery of my signature and the disbursement of my funds to an unknown and not intended for individual. All I have asked since I was made aware of his problem was documentation from Citibank as to where my funds were deposited. Please refer to complaint ID numbers XXXX and XXXX. The most recent response from the Citibank Executive Response team on XX/XX/21 was 1 ) a lie about my complaint and sending me a copy of the check in question 2. ) giving me a {$50.00} credit for their mistake. I have made it known to them that I have done everything they asked to resolve this issue and still an avoidance of answering where my check was deposited. I have repeatedly advised them that what was at issue here was the theft of my identity. Apparently, to them, my identity is only worth {$50.00}. I believe now that their bill payment system needs to be taken down as their clients can not trust that their money will be sent to who it was intended and they will never be held accountable for it. I have now submitted my complaint to the FTC and will continue moving up the ladder. Unfortunately, as much as government agencies were created to help the average consumer, I have not found that to be true. I'll finish by saying that I too work for the government and I am proud to help serve the residents of my community, after all that is my job and I do it with diligence and respect..

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 2018-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
Capital one said they would remove late payments if I verified with my bank the reason my payments werent through. Once is did that and got back to them and told them it was because the payment account I was using to pay them was non transactional they said there was nothing they should do. Even though technically I did initiate the payments in time and was being charged late fees all the while.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-02
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XXXX XXXX, 2017 at XXXX I initiated a transfer on Coinbase exchange of XXXX XXXX from my Coinbase Multi-syg vault to my Coinbase XXXX wallet. My intent was to transfer this amount to my XXXX Wallet and then transfer off the exchange prior to XX/XX/XXXX, in order to receive XXXX  currency during the XX/XX/XXXX XXXX XXXX. Coinbase previously sent instruction that if users wanted to obtain XXXX currency they would need to transfer money off the exchange as Coinbase was not supporting XXXX. Legally it is questionable whether Coinbase has the ability to even withhold XXXX. Common law dictates that products of an asset belong to the owner of the original asset. Furthermore, Coinbase, Inc has not explained what it plans to do with the valuable XXXX tokens it acquired following the hard fork. However due to Coinbases ' instruction, on XX/XX/XXXX, it led me to transfer the funds on two occasions from my Coinbase vault to my XXXX wallet using the protocol offered by them. However, on both occasions I received an error message when I clicked the approval button. In response, I decided to cancel the transfer the coin, while I obtained customer support ( I clearly stated in my customer support ticket on XX/XX/XXXX that my intent was to secure XXXX currency ). After canceling the transaction by selecting the cancel option I received a confirmation email to confirm the transaction was canceled. However, since that time my XXXX multi-syg vault and XXXX wallet both show {$0.00} balance and I have lost access to the XXXX XXXX funds. My account continues to show the transaction as waiting for approval yet provides no options. I have written numerous support tickets in an attempt to resolve the issue, that have not been responded to by Coinbase support. I attempted to use XXXX mult-syg tool in order to also obtain access to my multi-syg vault, using my public/private keys yet the tool was ineffective. I repeatedly wrote tickets to XXXX support for over 5 consecutive days yet have received no response other than an automated response acknowledging receipt of ticket. Due to Coinbase negligence and unresponsiveness I was unable to gain access to my funds prior to the XX/XX/XXXX XXXX and therefore unable to obtain my XXXX coins. It has caused me significant emotional stress and inability to utilize my funds.
I still have not heard back from Customer Support.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: TRANSWORLD SYSTEMS INC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a debt collection letter from Transworld Systems for {$370.00} for an apartment application fee. I did not apply for an apartment in that building or at that time. I told Transworld that this was identity theft and they sent me a packet of information, by mail, to complete a report about the identity theft. The packet also included the original apartment application that someone submitted on my behalf without my permission. The apartment application includes the last four digits of my social security number, my state driver 's license and my prior address ( which was my current address at the time of the application date ). It also provides a reference of a " friend, '' a name I do not recognize and a person I do not know. The paperwork in the packet asks for my social security information.

Company response to consumer: Closed with explanation