BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-07
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:
This is not a regular complaint, as Ive now filled a complaint with the federal trade commission and the better business bureau. This is becoming extremely unacceptable and I demand these accounts be deleted immediately. Ive sent in multiple letters and even have tried calling an enormous amount of times. Equifax refuse to abide by the law and Im demanding something be done about this. It has been a very stressful process, their infringing on my right to privacy and has now cost me thousands of dollars. Ive never given any consumer reporting agency the right or ability to furnish ANY information of mine. Please have them delete these accounts as I will be forced to file for litigation due to the damages and stress caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Sent 1 of 3 packages, ASSUMPTION, MODIFICATION, LOAN PACKAGE, letter said COMPLETE packages foreclosure on hold????? Never get a call or anything, WHY! what is status why foreclosure if all 3 packages sent!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Several items were removed from my credit report after investigations and me paying several debts in full from my credit report as of XXXX 2017. Equifax removed several items because of letters from companies advising that they were to be removed. Equifax also updated all of my credit card payments up to date as of XXXX 2017. On X/XX/17, my credit report was correct and included XXXX collection, XXXX inquiries, & XXXX negative items. The next morning I woke up to XXXX negavtive items, XXXX collections, & XXXX inquiries which is SEVERELY incorrect! Equifax even removed my payment histories for my credit cards that were last updated in XX/XX/XXXX and put the last updates as XX/XX/XXXX. The removed some credit accounts all together. It was as if my credit report fully converted back to XXXX of 2017. I  called and spoke to reps for hours who refused to help as I advised that there was something wrong. They assured me that there was no technical errors or glitches. I advised them that I pay them monthly for a credit service & I review my report everyday. I let them know that my payments on all my cards were showing last updated X/2017 & that now they were showing last updated X/2017 which is definitely incorrect as that date is in the past. I advised that the credit report just the day prior listed all my accounts and they were all now gone & now included stuff that they received letters to erase & that their own investigation had deleted. I proceeded to call several of the companies now showing on my report and they advised the last notifications they sent to equifax was to remove the debts months ago and that they had sent nothing new. This is soley on equifax and is their error, not the companies error as they did their part correctly. Equifax is reporting incorrect information and erasing pertinent info and has now destryed my credit and haulted my home buying process. They refused to escalate or even pull up or accept any report from the day prior as proof of what I was saying.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/2022 {$6400.00} was fraudulently withdrawn from a Wells Fargo branch in XXXX, Alabama by someone illegally using my personal identification and information. The bank found no fraud and refused to pull the surveillance footage.

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 2019-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I placed a complaint to the CFPB regarding Transunion and XXXX XXXX on XX/XX/XXXX and still to date, the complaint is opened because Transunion did not do a proper investigation and has allowed the creditor XXXX  XXXX to stay on my credit report after they failed to reply to the dispute/complaint within 30 days. It has been well over 30 days since I placed the complaint and since Transunion responded on XX/XX/XXXX that they are still waiting on information from the creditor named XXXX XXXX. XXXX XXXX has not responded to Transunion regarding my complaint of my account having fraudulent charges, due to identity theft and about the charges still not being settled and regarding my balances on both credit card accounts ending in XXXX and XXXX being incorrect. The balances are incorrect and I am asking that Transunion remove the XXXX XXXX balances from my credit report. XXXX XXXX was given plenty of time to respond to Transunion and the CFPB and they have not. It's been over 40 days since my complaint and dispute. This is a serious dispute because my identity was stolen and fraudulent charges were made on my XXXX XXXX account and still to date, after 40 days, Transunion has allowed it to stay on my report, even without the creditor XXXX XXXX not responding after 30 days.

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 2021-09-16
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am trying to report scam email looking to commit fraud by having chase consumers log in with their credentials. It inevitably led me here, which doesnt feel right. 

I am not a chase member but still got the email.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: Credit Protection Association, L.P.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
When i moved out of my apartment at XXXX XXXX XXXX XXXX ky XXXX on XX/XX/2015 i called and had my XXXX XXXX XXXX set up to be disconnected but then on XX/XX/2015 when i tryed to move in a new apartment i couldnt put XXXX XXXX XXXX in my name cause i found out XXXX XXXX XXXX never turned the electric off and called and told them and they said all they could do was go shut off so no more money builds up they said they couldnt do anything about it cause the apartment complex told them i was living there still

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 2022-02-07
Company: Sezzle Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sezzle , Inc., a group I am unaware of or what they do, opened an account in my name giving someone a small line of credit. Acct XXXX. Apparently, it became delinquent and I saw it on my XXXX credit report. XXXX contacted the company and Sezzle said the debt is mine. I had two other fraud accounts opened in the approximate same time frame, both of which were closed out. 

I want the account closed and removed for fraud. I have thousands of dollars in credit available to me, all of which are paid on time.. I would not open an account for {$200.00} and not pay. I would simply use my debit card. I have never received an email or bill or anything else on this account. 

They do not answer the phone or respond to email. The phone number on the website is XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Comenity Capital reported to the credit bureaus that my account was late in XXXX of 2017, when it was not. I contacted Comenity Capital and they apologized for the error, but said the only way it could be fixed was to dispute my pay history with the credit bureaus. I did that, and Comenity Capital told the credit bureaus my account was delinquent in XX/XX/XXXX. I called Comenity Capital back and asked them why they verified the delinquency when it was an error, and they could not give me an answer. They said they were sorry, but there was nothing they could do. They said I had to dispute it with the credit bureaus again. This just is n't right. Comenity Capital has the control over the information they report to the credit bureaus, not me. It should be their responsibility to report correct information, not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have XXXX student loans and am entering my XXXX year of college. I withdrew from my last semester due on XX/XX/17 due to health reasons and reapplied for the XXXX 2017 semester and was accepted for readmission by the end of XXXX XXXX. Navient, however, has put all my loans into " Grace Period '' and has been charging me interest on XXXX of my loans. I have emailed them twice. My first email advised them of my status at which time their correspondence to them was simply " your loans are in the grace period ''. I then called them to obtain a mailing address and fax them after which I faxed to them THREE times on XX/XX/17 a verification letter from my university detailing my years of enrollment and continued enrollment. Following the fax, I emailed them again on XX/XX/17 telling them to stop charging me interest and take my loans out of grace period since I am a current student. I have not heard anything back from Navient and the record of all my correspondence from them is not detailed in my account. There DO NOT KEEP ANY RECORD of my emails to them so I can prove what I sent them. Their response to me did not include any of my correspondence to them so I can not prove what I wrote to them. This is complete and utter deception by them aside from the fact that they continue to charge me interest although I am enrolled. They have completely ignored by request two days ago. This is a sleazy disgusting company and I will further be contacting my state Senators to complain about their shady business practices. I want my loans removed from their grace period and ALL THE ACCRUED INTEREST ELIMINATED since I have been a student continuously.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a problem with Transunion and their scoring method, it seems every time a negative item comes off my credit report instead of my score going up it drops substantially. I have complained about this before to no avail. The government is supposed to protect the consumer from this type of prejudicial system. Its mind boggling that I reach a certain plateau and they will not let my score get any higher and then drop it close to 90 points without ever increasing it the same as it was dropped. I am convinced that there is some corruption in their system. This is the last time I'm submitting a complaint. Next I will hire an attorney to investigate there practices based on age, race and other factors. To compare others

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 2022-02-07
Company: Coinbase, Inc.
State: MT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was contacted via email that someone was attempting to purchase a large amt of product from XXXX and there was identity theft suspected. A phone number was included so I called it. They said I had reached XXXX XXXX XXXX and that there indeed was identity theft. I would need to do what they directed to closed all the accts that were open in my name and cancel the expenses. 
I was directed to open several apps on my phone and to go to different sites, purchase XXXX XXXX, XXXX, gift cards and XXXX and then the company ( XXXX XXXX ) would cancel the orders and protect my identity further. 
I did as they directed because they sent text msgs stating there were several deposits to my acct to cover the expenses. 
The total is over {$6000.00}. No deposits were made. 
Here is the info I was provided : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, TX Phone number he contacted me with is : XXXX. 
I have all the info photographed in my phone if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
After reviewing my recent credit Reports XX/XX/XXXX ; I noticed for the third time deficiencies of reporting and inaccurate information on XXXX and Experian credit reports in violation of the Fair Credit Reporting Act Section 611 ( 15 USC 1681 I ) 15 USC 1681 section 602 A, Section 604 A Section 2, 15 USC 1681c ( a ) ( 5 ) and 15 USC 1681s 2 ( A ) ( 1 ). 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX is NOT my address ; I never lived there! I have filed an identity theft report regarding this address. ( please see attached ) Additionally I respectfully request a proper investigation of UPDATED XX/XX/XXXX  XXXX XXXX XXXXndividual account Balance {$3000.00} having no Account number, on XXXX Credit Report. 

I AM NEVER LATE on my verified accounts and I am entitled to 100 % accurate reporting on all my credit reports with the credit bureaus. Hard Inquires : XXXX, XXXX XXXX, EXPERIAN XXXX XXXX XXXX and XXXX were reported to companies and please see attached FTC Identity theft report. Im concerned my personal information may have been breached in a data breach. I HERE NOW EXERCISE my consumer RIGHTS to DEMAND that ONLY FACTUALLY PERFECT TRUE CORRECT VERIFIED VALIDATED CLAIMS that are CERTIFIED COMPLIANTLY be REPORTED. SINCERE THANKS FOR YOUR TIME AND ATTENTION.

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 2021-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
all not mine fcra violations : XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX XXXX XXXX  XXXX XXXX Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX XXXX XXXX  XXXX XXXX Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX Account XXXX The information you disputed h

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 2020-02-12
Company: SIMMONS FIRST NATIONAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I paid off my loan and received my car title, so am sharing this information in order to protect other customers who may be experiencing the same issue without their knowledge.

I made six payments to 1st Simmons ( Arkansas ) over the course of several weeks, each time stipulating that the entire amount be applied to principal. In every case Simmons applied as a regular payment, not toward the principal. I exchanged over twenty emails with Simmons to correct the misapplications. The person handling my complaints to correct the misapplications was very professional and very helpful but the problem continued to recur.

1st Simmons website has no mechanism, no special button to click, to apply the payment to principal as is the case with the websites of other lending institutions with which I have loans. Instead, the Simmons website has a notepad on the payment screen. On each payment that I made I entered a message to apply the entire amount to principal. On each occasion the payment was not applied to principal. Making a principal payment over the phone with Simmons requires an extra fee. 

If I had not followed through to check that my payment went to principal as I requested, I would have paid more on my loan. This may be happening to other Simmons customers.

After final payment and receiving my title, I sent an email, requesting that the email be forwarded to management, explaining my concerns and th
at I felt obliged to make other potential customers aware of the situation I experienced with Simmons. I received a reply back ten days ago saying that my email had been forwarded to  management. I have not received a response from management.

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 2019-07-31
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 information incorrect

Complaint:
hello, i have been making monthly payments on this account for months. said payments are automatically sent via bill pay from my bank on the same day each month. 

the payments are not reflected on my credit reports. is that legal??? 

also, my credit report shows that i am late. while the payment isn't what " you '' want from me, it is something. it is what i can afford. is it legal to report late each month when payments are being made? 

at least i am making an effort, an attempt, and doing the best i can to pay. 

i have phoned XXXX in an attempt to speak with the gal who answered my last cfpb complaint, yet no one knows who she is so therefore no one can get a message to her. perhaps she is using a fake name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Revolut Technologies Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
My card and pin was stolen by a friend, revolut staff claims they investigated but they did not, because if they did they would have looked at the ATM AND MERCHANT VIDEO SURVEILLANCE CAMERAS AND OBSERVE IT WAS NOT ME AND THESE WERE UNAUTHORIZED TRANSACTIONS WHICH WAS THEFT AND FRAUD.AND THE STAFF OF REVOLUT IS XXXX THEY THINK XXXX XXXX XXXX XXXXXXXX THAT I AM RICH THIS IS NOT TRUE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$610.00} was stolen out of my account and they just won't take any responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: Experian Information Solutions 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 was informed that Experian on their credit report had an open invoice balance from XXXX. This was an incorrect charge being bill extra months after the service with XXXX was terminated. After notifying credit agency about the incorrect billing, they just contact XXXX to verify that this has been charged and perform no other investigation. When inquired how do they know if this a correct bill, their response that is not the credit agencies responsibility. They only take information from companies reported to them and do not take any contra info from consumer. I also spoke to XXXX to try to get it resolved. I asked XXXX how they know that this an accurate bill and its not incorrectly being charged, their only response is that it was invoiced. I asked how you know that the invoice is correct. They have no response to this. I also asked to go back and see per the records and tell me the last time I made a call or used their service in order to prove that I was missed billed. Their response they dont keep this record, but they have ever call and conversation that we tried to get this resolved. The credit agency should be responsible for the information they are reporting to make sure its accurate. As noted above they accept the information from XXXX as true with no verification, but do not allow for any dispute procedure with the consumer to be recorded on file. They only go back to XXXX and get a statement from XXXX that it was investigated per FCRA and have no copies of the FCRA investigation on file. In fact, I believe as a consumer you cant obtain a copy of the FCRA investigation without a subpoena. At minimum they should allow the consumer to have a rebuttal to the disputed charge and when companies look at the credit report see that this is a disputed item.

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