BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-10
Company: Experian Information Solutions Inc.
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:
My wife has a XXXX XXXX XXXX through XXXX XXXX. I am a co-signer to this vehicle. My wife and I recently lost our jobs due to covid-19 and were receiving unemployment assistance. The unemployment check was late in the month of XXXX. It finally came on the last day of the due date, which was XX/XX/XXXX and we made the payment. XXXX XXXX said that they see it was made on the XXXX but didn't process until the XXXX. I have talked to half a dozen people at XXXX XXXX and they will not help by reporting this to the credit bureaus. I am a XXXX veteran and my wife was a XXXX XXXX  and have been loyal XXXX customers for years. We've never missed a payment and have always been on time yet they treat us like this. They've now ruined 2 people 's credit for the next 7 years because their system didn't process it until the next day. People still need help during the pandemic and XXXX fails to realize this. We all have to help each other out during these times and their approach to customer service is wrong. We will never buy another XXXX vehicle again unless XXXX fixes this.

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 2020-09-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
I was employed by a legit company and according to Bank of America multiple wire transfers I received from this company to my Business Checking in a period time of more than 3 weeks all the transactions funds was made available to me for days until they deactivated my account for what I was told by multiple representative of the bank that was for routine methods. I was told first that it was most likely because my account was fairly new and that due to the large wire transfers they needed to verify where the funds had came from. I provided all the documentation I have in regards to who sent and the reason the funds was sent to me. I have detail email communication between me and the company who sent the money. I provided all the information voluntarily. Once they identified that the transactions was unauthorized they decided to close all my accounts and the only explanation given to me it was because it was a business decision. I was sent a letter from Bank of America that they had reported the  fraud to XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX and that I may be affected by their decision open other accounts with other financial institutions. I believe this is unfair and unethical given the reason I am myself a victim of identity theft by the employment scam and fraudulent activity. I am XXXX XXXX XXXX  and had been under a lot of stress and uncertainty since this happened creating health risks for me and my XXXX   XXXX. I am working on getting my XXXX  license and this situation can affect me in a negative manner or even prevent me from getting my license. Bank of America has all the documentation that clearly shows I am a victim of fraud. I will send any documents via email upon request.

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 2023-02-03
Company: ALLY FINANCIAL INC.
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dear Sir or Madam : I would like to draw your attention to the fraud being perpetrated by Ally Bank. 

Last Fall, I submitted a complaint to the Michigan Attorney Generals Office indicating that amongst other things, Ally was fraudulently trying to collect for damages to a turn in leased automobile. In response to this complaint, Ally responded with the attached letter to me and the Michigan AG whereby it stated in the spirit of customer satisfactionand as a one-time courtesy, we waived the {$180.00} excess wear charge. 

On account of this letter to the Attorney General waiving the wear charges, I made certain reliances including that I would not be made to make any payments. However, Ally has gone back on this representation and now engaged both a collection firm and sought to negatively impact my credit report. Section 807 of the Fair Debt Collection Act prohibits the very fraudulent conduct being conducted by Ally.

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 2018-08-11
Company: BBVA FINANCIAL CORPORATION
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:
I went to bbva compass bank to open only a checking acct and loan officer used deceptive mechanics to have me sign for a credit card when I was clear with her that I just bought my house and didn't want to apply for a credit card knowing I would be declined. She asked me if I wanted a personal loan to pay off the debt of my max credit  cards and I told her NO! I'm trying to repair my credit by paying off my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
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: Account information incorrect

Complaint:
I paid off or paid down 6 accounts on XX/XX/2019. It says on all 3 credit reporting agencies that my accounts were updated on XX/XX/XXXX, yet none of my accounts show that anything was paid on them, but they are showing amounts that are much higher than my available credit line. The most I have gone over was {$1.00} and that was report ONE day after it went over, to the credit reporting agencies, even before I knew and was never notified. It shouldn't take months to update paid down or paid off accounts when going over {$1.00} of a credit limit is reported within a day. I also filed discrepancies, with all 3 credit bureaus, over a year ago, and I was told the discrepancies needed to be addressed within 30 days or be removed. I never heard back from anyone. Unfortunately, the credit bureaus are NOT reliable or trust worthy ... seeing I am an American citizen and have been dealing with this ridiculousness since I started working and illegals, who have NO background, social security, no paying taxes, have 1 small line of credit, if any at all, and have 800+ credit scores. Completely illegal, and discriminatory.

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 2022-12-30
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
experian has incorrect information on my report. i have contacted them via / phone and email with no cooperation. The incorrect info belongs to someone else with a similar name. the following info must be removed within 30 days... 

DELETE ALL THE FOLLOWING ITEMS I have never had a " XXXX XXXX '' card XXXX XXXX ( Finance ) XXXX XXXX, XXXX  XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXXXXXX XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXXL ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/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 2018-08-11
Company: Shellpoint Partners, LLC
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am writing concerning my escrow account. Information regarding my escrow payments have changed, which require lower escrow payments. I contacted the company and provided proof of the lowered payments on my behalf, however, despite contacting the company and speaking with representatives who assured me that the payments should indeed be lowered, that they would be lowered, the statement/bill remains the same. I am tasked to pay the original escrow, and told that the company reviews its escrow once a year and then the account will be reviewed and changes addressed. This is not so, I have requested and explanation of the way the mortgage payments are set up, they have changed where more money goes to interest and not principal, why??? I want to pay my mortgage in accordance with the lowered escrow and want my loan to be compiled and pay with more funds to principal than mortgage, how can the mortgage company arbitrarily change the way my mortgage is funded and not allow me to pay my lowered escrow payments immediately. 
NOTE : I have already submitted to the company all information/data that is pertinent to the payment of lowered escrow payments to the company and it was verified received by representatives ( 3 ) that have claimed to forward the issue to be addressed and resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: EQUIFAX, 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:
While studying my report I have come across a number of mistakes and inaccuracies that the credit bureau, XXXX, Equifax, and XXXX, are reporting. I have disputed the unverified discrepancies on my credit report, with all three credit bureaus, XXXX, Equifax, and XXXX, multiple times and have not received any proof of a copy of any original documentation, a consumer contract with my signature on it, and the original creditors documentation on file to verify that this information is mine and is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: Tidalwave Finance Corporation
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 is missing that should be on the report

Complaint:
I purchased a used car in a used car dealership as is. I was aproved for a loan from tidalwave finance corp for the ammount of {$8500.00} plus interest. My first payment was on XX/XX/2019 for the amount of {$310.00}. ever since then ive made my payments on time if not in advance. 3 payments were rejected by the bank the month and date of XX/XX/2019 do to use of a debit card from another family member, Other then that my monthly payments have been in full and on time. I contacted TIDALWAVE FINANCE CORP a few moths after my loan was approved and asked why my loan did NOT show  in my credit history and i was told that they made the reports once i was done paying my entire loan. I accepted the answer at the time but i looked into credit reporting for more info and realized my loan should have been reported to the 3 credit bureaos since the account was opened. Im now wondering if my auto loan should have been reported or if it ever will be. I would like for the report to show in my credit along with my payment history and my pending balance. SHOULD I WAIT AND SEE IF IT SHOWS WHEN IM DONE PAYING THE LOAN? WHAT IF THEY NEVER REPORT MY LOAN OR PAYMENT HISTORY TO THE CREDIT BUREAU. THERE HAVE BEEN NO UPDATES IN MY CREDIT HISTORY SINCE THE LOAN WAS APPROVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: Experian Information Solutions Inc.
State: AZ
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:
This is a follow up from dispute XXXX submitted on XXXX/XXXX/2020 I have resubmitted my claim along with the requested documentation I have included a copy of my social security card, drivers license, birth certificate, utility bill verifying I XXXX XXXX am submitting this dispute.On XXXX/XXXX/2020 I mailed a letter to experian disputing my account with XXXX XXXX XXXX and the company the debt was sold to XXXX XXXX XXXX. On XXXX/XXXX/2020 I received a copy of my credit report stating iteam remains unchanged from our processing of your dispute in XXXX 2020. On XXXX/XXXX/2020 I mailed in a letter requesting their method of verification a week later I received a post card in the mail stating they would investigate on XXXX/XXXX/2020 I received a copy of my credit report again and in the account was updated from the dispute in XXXX/2020 on XXXX/XXXX/2020 I mailed in a letter stating XXXX has been found guilty in a court of law of predatory lending practices and fraud and has been ordered to remove all negative information from my credit file along with the court documentation from the Arizona State Attorney Generals office. On XXXX/XXXX/2020 I received a copy of my credit report experian updated the comments stating I was recalled to active military duty. I have never claimed to be in the military nor did I state I have been called to active military duty wich would require me sending in documentation from the government or a military ID. Experian is not doing their job and properly verifying information on my account at this point they are making up stuff I have been negatively affected by their negligence I have been denied numerous job and housing opportunities due to experian not properly verifying information on my credit report. On XX/XX/XXXX I submitted a complaint XXXX with CFPB and experian once again refused to investigate my complaint their reasoning was they did not believe it was me submitting this 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 explanation
Consumer complaint received 2023-01-27
Company: EQUIFAX, INC.
State: PA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying XXXXm using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

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 2020-12-06
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: Information belongs to someone else

Complaint:
I went to my local police department to file a claim for a identity theft report but the officers were unable to assist because i didnt know who was responsible for stealing my identity. 

Listed accounts were removed but the credit bureaus put them back on my profile after 90 days. 


XXXX XXXX XXXX  XXXX  XXXX XXXX Both accounts were removed and after 90 days placed back on my credit profile. 
Under the FCRA they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Experian Information Solutions Inc.
State: VA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2018-03-02
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
Hello, I used Coinbase application.

On my Coinbase Account i had XXXX left, so i ordered to send them to my XXXX account on XX/XX/XXXX. 

I have never received the money on my account, so i sent them several emails to aware them. without any response. 

here is the information : Account : XXXX Coinbase account : XXXX Order : Send XXXX From Coinbase acount To XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your help, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: EQUIFAX, INC.
State: PA
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 was recently reviewing my credit report and came across this inquiry that was unrecognized. I reached out to the company itself with no success and when I took it to the credit bureau I did not get a response. I have no recollection of this company or why they would need to pull my credit as I have a very limited credit profile and am normally ontop of things like this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax first letter was sent and received. XXXX XXXX number XXXX XXXX XXXX XXXX XXXX I received a response asking for valid form of ID ( which I included in the first letter - photo ID LEGIBLE and a utility bill for proof of address ). That second letter was sent and received and I still have not heard anything back. 

XXXX XXXX number XXXX XXXX XXXX XXXX XXXX At this point, my rights as a consumer to fair and accurate credit reporting is being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My Bank of America checking account ( checking # : XXXX XXXX XXXX ) was closed without any notice and any explanation. I called the customer service several times and asked why and they told me no reason for this closure just because some term of agreement notes the bank can close the checking without any reason ( case XXXX # : XXXX ). That's annoying but that's Ok. 

However, they first told me they will refund the remaining balance ( {$1500.00} ) to me soon but later When I called again because I never received the refund, they told me it's need reviewing and then can be refund to me and let me wait. So I waited as they instructed me and called again and again, they always told me still in review and ask me to call again after several days or one week. It's almost 2 months past since XX/XX/2020 but still no any proceeding about that. that's crazy thing. 

As we all know, most people are facing financial despair in such difficult and hard time with COVID-19 with recent Minnesota cutdown again for 4 weeks. This money was come from deposit of my husband 's unemployment pandemic Assistance ( $ XXXX/week ) and my partial bi-weekly payroll. it's definitely and completely legal. however, those fund in my checking account was frozen by the bank and without any reason for closure and now the bank are just keeping my money in their hand with just excuse of reviewing. I just need my money back to help me in such crazy and despaired condition. That's ridiculous and unreasonable to alway keep me money with limitless period time 's review. I am crazy waiting for too long time and still not know when to get back my money to maintain my life. 

So, please just quicken processing to finish your review and return my money ASAP!! I need my fund to support my family living, including my XXXX-year-old daughter.

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