BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-29
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:
I have a few accounts, including XXXX XXXX, XXXX, and XXXX that have been paid off and accounts closed. The report is showing current late payments to at least one of these accounts. Other credit reports do not have these accounts listed any further.

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 2018-12-12
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX/XXXX  ( XXXX ) This account was opened in XX/XX/XXXX XXXX last payment was XX/XX/XXXX and should have been closed or charged off 90 days after starting the clock for the 7 years of charge off reporting XXXX XXXX  re-aged the account to show closed on XX/XX/XXXX as a Charge off.

I also contacted the big 3 credit comps. and they wont change it even though the dates are reporting for my last payment. 

This account should be removed from my reporting due to age of 10 years plus from last payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Specialized Loan Servicing Holdings LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Many attempts to short sale my home through a local realtor who has found a buyer and done everything possible to sell the home, but the Mortgage company has repeatedly made us jump through hoop after hoop and has taken too long in responding to our submissions and thus we have missed deadlines through the fault of the mortgage company not us!!!! This has happened over an extended period of time ... .and both the realtor, the buyer through the short sale, and myself have reached our limits with the mortgage company. We need help desperately in getting this company to adhere to their own deadlines and quit beating around the bush. I will end up foreclosing on this house and it worries me tremendously because I have done everything I can to keep this from happening but the mortgage company has been sloooowwww as molasses in helping this sale to occur. I am enclosing information for your review and hope against hope that you can help. 

SIncerely, 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 explanation
Consumer complaint received 2020-08-23
Company: Experian Information Solutions Inc.
State: OH
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:
While checking my credit report I discovered unverifiedinformation. I believe under the Fair Debt CollectionsPractices Act., I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partiestorelease myinformation toathirdparty.

1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 
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 explanation
Consumer complaint received 2018-12-12
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I've requested my yearly credit report from XXXX for several years and have been unsuccessful. I've called Equifax several times and they actually tried to charge me {$14.00} for one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-12
Company: Diverse Funding Associates LLC
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a certified written request on XX/XX/2018 for Validation of this account. I have not yet received a response from this company and therefore this account should be removed from my credit report IMMEDIATELY. Per FCRA if debt is not validated within 30 days of written notice account must be removed.

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 2018-12-12
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX XXXX XXXX has committed fdcpa violations, they continuously use offensive language towards me and doesn't properly verify me most of the time. This has been going on for over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: EQUIFAX, INC.
State: OH
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:
While checking my credit report I discovered unverifiedinformation. I believe under the Fair Debt CollectionsPractices Act., I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partiestorelease myinformation toathirdparty.

1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: PNC Bank N.A.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Pnc bank isnt connected with XXXX XXXX so I cant transfer money to them so I have to do a wire and thats way harder XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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:
First husband died did not know he had a loan for truck and had put me on as well I was told if I paid the debt that they would finish putting paid as agreed never late because it was late due to me having no idea about the lone on the other two accounts mortage and credit card my Id and all personal information was stolen because Im on ss it took me awhile to catch it up in fact Im current but I took from other bills and paid mortage cause was told once it was current they would take off the fees as well as off report and put paid as agreed still not done on credit card also cause of robbery tried to make minimum payment till they did investigation on what was mine or the theft said wouldnt take a payment cause it would cause the fraud case to stop tried several times to paid in various ways was told it wouldnt go on credit report nope they reported it late for months that they were working on it infact I had auto pay set up and the money was in bank they never took I do not feel I should be punished in any of these cases I pay ontime always as well as do not normally keep balance more then 30 days as it shows on report now Ive got maxed out cards and bad credit for nothing to do with me not paying they ran so high and stole so much money that Im struggling to keep up all the mortage and credit cards fault they said theyd take off that was in XX/XX/XXXX still there as of XX/XX/XXXX plz help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-07
Company: Diversified Consultants, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Report states that I had service from XX/XX/2018 and date deliquiate was XX/XX/2018. Have tried to dispute, no contract, debt is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: EQUIFAX, INC.
State: CA
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 applied for a XXXX credit card about two weeks ago and was not approved then today XX/XX/20 I got a letter in the mail saying that the reason I was not approved was because there were accounts and inquiries reflecting badly on my credit. I looked at each of those accounts/inquires and I realized that none of them belong to me. I did not open any of the accounts that have been listed on this report nor did I give anyone permission to open them in my name. I do not have any contract or agreement with any of these companies and I am not affiliated with them in any way. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not contribute to any payments that might have been made towards those accounts. I don't know who could have stolen my personal information to open these accounts but I have already filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Was informed that someone fraudulently attempted to open an account under my name with XXXX XXXX. Fortunately, the account was not opened, however I wished to have the fraudulent inquiry removed from my report with Experian. The letter I received from the bank provided a number to contact with Experian to have the information removed. I have spent the past 2 hours attempting to get a live person on the phone, always ending in the same dead end on the phone tree with no help/options for this issue. When I attempted to dispute online, through the credit bureaus website, I was ultimately provided with a phone number to call to lodge my dispute. When I call that number, it ultimately leads me to the same dead end. This leaves me with zero recourse for the dispute.

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 2018-12-06
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I applied for a TD bank card for 0 % charge for 15 months on balance transfers. I have the original paperwork. They now state it was only 12 months and are charging Interest at an extremely high rate. I contacted them to solve the problem and spoke with a supervisor who was not able to resolve the issue. I think they do this to scam people into using their card then charging high interest prior to end of agreement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-09
Company: EQUIFAX, 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 status incorrect

Complaint:
XXXX sent me a copy of my credit report with no scores and no deletions of errors on XX/XX/XXXX. I checked all the inaccuracy with a check mark and also implemented and added it the correct information on my credit report.
I sent the copy of corrections by US Postal Mail Priority m
ail to XXXX on XX/XX/XXXX Priority Mail.
Evidence is submitted to Federal Government filed complaint..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was trying to resolve all the errors on my credit report but the credit bureaus don't investigate about my case. I want to fix the inaccuracies because my credit score is getting lower.

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 2018-04-25
Company: Coinbase, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have two accounts with Coinbase.com and have contributed about {$30000.00} to my account. Coinbase isn't allowing me to withdraw my holdings out of my accounts and is showing less money in my account than I contributed. I have reached out to them numerous times over the past 10 days and haven't gotten any resolution. i don't know what to do. I need my money immediately for a home purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: Knight Adjustment Bureau
State: UT
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: Problem with personal statement of dispute

Complaint:
I disputed debt from a bank account. I didn't use my bank card nor did I have my card. When a finally received my bank statement, due to me moving I didn't receive it for awhile, I noticed I was in the hole {$2000.00} I believe. At that time I went to my wallet only to find that my card was gone. I contacted my bank but because it had been a certain amount of days I could no longer get dispute it. I do not believe it's right to be on my credit report due to the fact that I did not authorize withdrawals from my account I know owe {$2600.00} to knight adjustment bureau and they refused my dispute. I'm very unhappy with this decision because I don't think it's fair for me to pay back something I didn't spend. It's been sense XX/XX/XXXX that this has been on my report and it happened back In XX/XX/XXXXor XX/XX/XXXX I believe when my account was actually closed at the bank and XX/XX/XXXX I believe when I contacted my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 there was an Unrecognized Withdrawal for {$11.00} that Chase has Not credited and why Chase closed account. There is also a {$110.00} credit from XXXX along with {$3.00} monthly credits from XXXX that I have not received along with disputes I previously put through 1 year ago that Chase does nothing about.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
chase let XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States charge my account i showed them proof i never received the item XXXX XXXX XXXX Manager said it 's not her problem let chase and XXXX handle it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: PRESTIGE FINANCIAL SERVICES INC
State: IL
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 first dispute Letter was Sent XX/XX/XXXX.

My second dispute letter was sent XX/XX/XXXX.

My third dispute letter was sent was sent XX/XX/XXXX XXXX continues to report unverified accounts and have not provided this consumer with a copy of the original creditors documentation or Contract bearing my signature.

XXXX has not provided this consumer with the information of who Verified these accounts by virtue of proper documentation containing my signature concerning a debt that is owed.

XXXX is now in violation of the FCRA and noncomplient.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2020, I paid my friend using the XXXX app. I had done this previously without any issues. This time, Bank of America charged a {$10.00} cash equivalency fee as well as categorized it as a cash advance, which assesses a higher interest rate. This is something that had never been done before. The bank made no effort to advise me about the change in policy. I called Bank of America on XX/XX/XXXX and spoke to XXXX who refused to waive the fee. I asked to speak to a supervisor at which point she hung up on me. I then called back and spoke to XXXX who transferred me to her supervisor, XXXX who then transferred me to her supervisor, XXXX. In each case they refused to waive the fee and refused to reclassify the transaction as a regular purchase. While I understand the bank has changed their policy regarding charges made through XXXX and XXXX. This had never been communicated to me in the past. I feel it is dishonest of Bank of America to arbitrarily change its policies to charge additional fees without providing any forewarning. I understand the policy now, but feel the bank should waive the past fee and reclassify the transaction as a standard purchase.

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 2018-12-12
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
The consumer has a XXXX XXXX XXXX XXXX XXXX XXXX and is trying to have their escrow payments and withholding adjusted accordingly. 

The lender has been unwilling to work with the consumer to resolve the issue. 

XX/XX/2018 : XXXX XXXX XXXX XXXX XXXX XXXX date. 

XX/XX/2018 : The Property Appraiser was emailed the award letter and confirmed receipt via phone. 

XX/XX/2018 : The consumer contacted Loan Depot via phone and was informed that all required actions had been taken by the consumer to ensure an accurate real property bill. The XXXX letter was initially provided to Loan Depot at this time. 

XX/XX/2018 : The consumer contacted Loan Depot via phone to ensure a proper real property bill. 

The consumer emailed the XXXX  XXXX XXXX XXXX letter again because they were informed at this time that the letter was never initially received. The consumer confirmed receipt with Loan Depot via phone. 

XX/XX/2018 : The consumer received a letter stating they required a copy of the tax bill. Loan Depot asked that the real property tax bill be faxed to XXXX, which it was. 

XX/XX/2018 : The consumer called Loan Depot to confirm receipt of the faxed real property tax bill as the lender requested. Fax confirmations were retained. 

When the consumer contacted Loan Depot the employee who only identified himself as, XXXX XXXX informed the consumer the fax was never received and the consumer needed to correct the discrepancy with the county. 

The consumer told the Loan Depot employee that the county officials had informed the consumer differently. The consumer tried to explain the letter received from Loan Depot to the employee but the employee was dismissive and uninterested in his companys correspondence. 

When the consumer asked when the over withholding of escrow overage funds would be returned, the employee stated that they would not be. 

At this time the consumer asked to speak with a supervisor. The employee became hostile and began to verbally assault the consumer. 

The employee refused the consumers request to speak to a supervisor and then hung up on the consumer. 

Enclosed please find the XXXX  XXXX award letter and copies of the emails sent to the property appraiser and Loan Depot. 

The consumer has NEVER been late in paying any of his mortgages.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation