BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 contacted XXXX credit reporting agency today X/X/2018 to verify that there are no negative accounts reporting on my credit report. I had a few accounts that did not belong on my credit report and disputed them. XXXX did there investigation and it was confirmed to delete the negative accounts. I am very pleased that it was confirmed there are no negative accounts on my XXXX  credit report however upon checking my kohl 's account there is a history code with a number 1 next  to it which means there was a late payment I resolved this issue with kohls directly months ago and it was agreed they would remove that code which they still did not do. Upon speaking with the XXXX  rep I was advised that some of my accounts are not reporting a history code. I was advised to contact the creditors to ask them to please report the history code on these accounts as they are all accounts that are positive and in excellent standing which helps my credit score. I did not get anywhere so I am complaining to the cfpb in hopes of resolving this issue. The accounts that are not listing my history is " XXXX 's card '' I have 2 accounts with them. Another account is Capital One '' I also have 2 accounts with them as well. Another account is my XXXX/XXXX XXXX/XXXX  accounts that are also not reporting the history. All of these accounts on my part are showing as Paid as Agreed Never Late however on XXXX 's part this information is not showing. I was advised if my credit is pulled they will not see these comments. Which would affect me in obtaining credit. I am doing as I was advised by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: EQUIFAX, 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:
Contacted Equifax to dispute inquiries on my credit report not authorized by myself. 
equifax refused to investigate and dispute these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-04
Company: Convergent Resources, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company " Convergent " using number XXXX keeps calling me everyday sometimes multiple times of day for over a week for some person I do not know and does not nor has every resided with me or has every even known me. I got this number back on XXXX XXXX, 2017 and explained to them to remove my number and stop calling me. Now they have told me I 'm lying and refused to also not record me when I told them not to, they also no matter how many times I tell them to give me their manager never give me a manager, they just deflect and try to phish for my personal information. Which they have no right to have as I 've never done any business or have contacted them. Yet they are rude and hangup when asking for their manager.

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 2019-07-30
Company: PNC Bank N.A.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
PNC Bank - We have banked with the same bank for several decades. About five years ago we obtained a home equity line of credit from PNC Bank. Recently, my husband and I requested an increase to our home equity line of credit because we were looking to purchase and move to a new primary residence. 

A couple years ago, my husband and I purchased a small house as a rental property. We also purchased a tiny condo up north around the same time. Both of these purchases were cash purchases. 

Now, we are trying to obtain a mortgage for a portion of the new primary residence that we intend to buy ( until we are able to sell our primary residence ). PNC has repeatedly asked for more and more documentation from us. ( more pay stubs, IRA account statements, insurance on all the dwellings, closing documents for purchase of the other properties, etc. ) Our loan officer at PNC recently went on medical leave. They claimed that they couldn't find much of the documentation that we already sent, so we sent it again. Now they are asking for the Master Deed for the COMPLEX where our condo is located. 

It just seems like they are asking for documents that are inappropriate for the size of the loan that we are taking out. ( Our IRAs would more than cover the entire cost of the loan amount ). They told us yesterday that we probably won't make our closing date which is three weeks away. We started this process a month and a half ago! 

We told them that we are thinking of not borrowing at all from PNC Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: Choice Recovery, Inc.
State: PA
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:
In 2015 I went to the emergency room out of state. I have insurance through XXXX that my insurance said is covered in and out of state. Almost two years after this visit I got a bill for over 300 dollars. I contacted my insurance and the hospitals billing department. My insurance said that they needed something called a rendering XXXX number from the hospital and the hospital said that whatever doctor I saw that day didn’t have that number out of state. So basically both parties wouldn’t comply with one another. If my insurance is telling me I’m covered and that the hospital is failing to comply and the hospital is saying that’s not true there was nothing left for me to do. My insurance filed claims over and over again until the hospital was past due on the timeline my insurance would of covered this bill so it went into collections. XXXX, whom I spoke to from Choice Recovery was so rude to me. The official letter came to my parents house but when I spoke to her she did not tell me that I have the right to dispute it. She told me my only option was to pay the bill unless I wanted my credit to be reuined. She didn’t listen to the issue and she refused to call my insurance company. My insurance company said they would be happy to speak with her and explain the situation but she said she wouldn’t do it but wouldn’t give me a valid reason as to why not yet her manager said they are allowed to do so. She gave me an attitude and brushed me off and didn’t offer me solutions. This company’s job is to investigate the situation and work with you to try to help and figure out the issue instead she bullied me and was no help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
As a single mother I purchased my home in XX/XX/XXXX with XXXX. Around XX/XX/XXXX I was targeted by a Wells Fargo representative to refinance my home which I stupidly did. He told me that I could take out {$20000.00} equity but at the end I came out the loser with no money back, within three months my mortgage went from {$1300.00} a month to {$1700.00}, then {$2100.00}. The mortgage amount kept changing every month to the point I could n't afford my mortgage anymore. I asked Wells Fargo for a loan modification, I was offered two modifications where the amounts were still almost the same. I told the representatives at Wells Fargo that they were setting me up for failure. They told me to take it or leave it, sell the home or face foreclosure. I wanted to keep my home so I felt that I signed under duress. I was approached by an attorney who told me that he 's done many loan modifications. I thought I was saved. He took my money and left me to face Wells Fargo on my own. Now I 'm facing foreclosure once again and I can not get anywhere with them. One representative tells me I 'm eligible for a loan modification, I faxed my paperwork once again to speak with other representatives who told me that I was n't eligible. They 've been rude, condescending. I was told to do a deed in lieu or face foreclosure. I received a land court letter, now the home is in active foreclosure with no sale date. I have been in lobo with WF for so long that I 'm unable to function properly leaving me with XXXX that I ca n't shake. Please help me in any way you can.

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 2019-03-01
Company: Selene Finance LP
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I obtained a modification with XXXX on XXXX XXXX. In XX/XX/XXXX, the loan was transferred to Selene Financial. I began to pay the new mortgage company XXXX. In XXXX of XXXX, I was told that the payments will be increased from XXXX to XXXX effective XX/XX/XXXX. I attempted to contact Selene to discuss the matter but was told an attorney was on file and they could not allow me to discuss this important increase of mortgage of XXXX. The attorney that was on file withdrew in XXXX of XXXX. I presented a copy of the notification and was finally able to discuss the matter. 

After discussing the increase, it was explained to me that the loan was acquired by Selene having a shortage which had to be added to the loan as well an the substantial increase in property taxes, which I believe to be an error by the XXXX county assessors office. During the conversation with Selene, I noticed however that the loan should not have had such a large shortage which ultimately had to be added to the loan when combined with the property taxes resulting in an increase of my mortgage monthly payments of over XXXX per month. I believe that when a loan is modified correctly, it may result in minor increases or shortages that should not be increased to an amount of over XXXX dollars during a span of only ten months. Please review this complaint. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: Experian Information Solutions Inc.
State: MD
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:
My name is XXXX XXXX. I pulled my credit report and noticed some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and their investigation did not fix the an error on 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 non-monetary relief
Consumer complaint received 2017-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I reached out to XXXX on XX/XX/XXXX and I spoke to a manger and I advised him that the inquiries listed do not belong to me and I have no knowledge of them. Of course he advised me to call each one of them and ask for removal. I did contact each one and was left with nothing, each of them told me they had no knowledge of what I was asking and could not help me nor could they verify that I allowed them to run my credit. I called XXXX back asking them to speak to someone in fraud about this and they transferred me over to be told there is nothing they can do and creditors can run my credit when they chose. I know this is incorrect and they suggested a fraud alert but I am in the market for a home and do not want to do that. I have attached a list of the inquiries that the manager told me to call. Please assist me with removing these.

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 2019-05-03
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently noticed a collection account listed on my credit reports from Transworld for {$310.00}. I am not aware of where this collection came from and I am requesting debt validation. Please provide copies of a signed contract and copies of billing transactions to validate this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: CURO Intermediate Holdings
State: LA
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 was open without my knowledge, I have been trying to get this remove from my credit it was not mine, it was open in XX/XX/2015, I have disputed it and no one will help me, I never received the money, and this is hurting my ability to by a home. our anything else

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: Coinbase, Inc.
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I did a password reset from my laptop to access my account on XX/XX/XXXX. It said it didn't recognize my laptop or phone I'm using as a registered device. I submitted a ticket on XX/XX/XXXX and an auto response said 4-5 days to review. I haven't had any response since even on XXXX  and XXXX. There is no customer support to talk to. Currently I have over XXXX in the account and I need to access account for taxes. This is very stressful. Please help, thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-23
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX ; Experian and XXXX  are incorrectly reporting me as an Authorized User on the XXXX XXXX XXXX - partial account number ****XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be 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 2021-12-28
Company: Experian Information Solutions 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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on 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 non-monetary relief
Consumer complaint received 2021-09-15
Company: DISCOVER BANK
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
XXXX co-signer release form invalid signature. 

New application started. 
XX/XX/2021 co-signer release application call us letter. I called and the costumer service operator advised no information was needed and the application was goi g to be processed. 

XXXX co-signer release application call is letter expiring letter. 

XX/XX/2021 co-signer release reapply letter. 

I called on XX/XX/2021 at approximately XXXX hours because the system stopped sending me emails when I have new messages on their website. The last message I received was in XX/XX/2021. 

The operator advised me that they took too long to process the application and it expired, and they have to start over. She said I had to send me a new reapply letter and I would have to start over and they were going to pull my credit report again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 needed to go to the doctor. I contacted XXXX XXXX to schedule an appointment with my primary care doctor to get a XXXX shot. The representative who answered advised me to go a closer office. I went to the office on XXXX XXXX as directed. My insurance company, XXXX, did not pay the bill because the doctor who saw me was not my primary care physician. XXXX XXXX then sent the bill to collections due to non payment. It was later determined that this was an error on the part of XXXX XXXX. They corrected the issue and the bill was subsequently paid by the insurance company. 

This office visit took place on XX/XX/2017. At that time, my credit scores for TransUnion and XXXX  were XXXX and XXXX respectively. Since this item was incorrectly transferred to a collection agency, my score dropped to XXXX and XXXX. Since this was an error and was not my fault, and has been rectified, I believe that my score should be restored to where it was before this error took place.

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 2017-07-27
Company: Collection Specialists
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
on XX/XX/2017 I received a call from a debt collection agency stating I owed {$1200.00} for an old apartment. They refused to give valid information about the debt, or the company I am alleged to owe this money too. I was on a month to month contract with this old aprtment complex & can not understand how a XXXX/mo bill turns into XXXX. They did not validate whom they were speaking with and I could have been a 3rd party. I am concerned that they may have given my personal information out to other parties in violation of my rights by disclosing debt to unauthorized parties. The name of this company is Collections Specialist Inc. owned by XXXX XXXX @ XXXX XXXX XXXX XXXX IN XXXX. Their phoine number is XXXX XXXX

Company response to consumer: Closed with explanation