BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-01
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 information incorrect

Complaint:
XXXX and XXXX are continuing to report incorrect information on my credit report regarding a bill that has already been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have the XXXX XXXX  app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my 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 2019-04-13
Company: General Motors Financial Company, Inc.
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XXXX, XXXX I had hail damage to my car. The insurance adjuster made the check out to me and GM Financial. I unknowingly endorsed the check and deposited it. The bank put the deposit on hold until XXXX/XXXX/XXXX. Ill be XXXX XXXX XXXX. Since that time, XX/XX/XXXX, I have spoke with personnel at XXXX XXXX XXXX, they need a waiver signed by GM Financial to release the funds, since I am no longer indebted to them. I spoke with customer service, they told me they wouldnt sign anything and to sue the bank. I sent a registered letter with the waiver I needed signed to XXXX XXXX, VP and chief financial officer on XX/XX/XXXX. The letter was received but I have not had a response. The amount was {$3300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
During our country recession XX/XX/XXXX-XX/XX/XXXX I loss a substantial amount of income due to ex spouse losing employment with XXXX XXXX. I was struggling to pay mortgage to Wells Fargo. I never fill behind two full months. I was never more than 45 days behind in my mortgage payments. I would send my payments in the form of money order or cashier check so that it was like cash they would receive. Long story short Wells Fargo held my payments and pushed foreclosure proceedings fast ahead. Afraid of losing my home I filed bankruptcy. At this point Wells Fargo sent back all my payments that totaled around 1500-1800 dollars. In the meantime this caused me to lose XXXX in equity not to mention attorney fees when I never came close to missing three or more mortgage payments. I often think was this fair and lawful? I wonder how many thousands of other mortgages were falsely foreclosed on due to Wells Fargo using this unfair practice of holding up payments or not applying payments towards the mortgage. I also recall how slow Wells Fargo was in assisting me with Harp to the point where my payments appeared to fall further behind and they never did help. I contacted another organization locally by the name of XXXX XXXX XXXX XXXX by way of my attorney and thats who helped me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
On XX/XX/2020 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-09-10
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I am a victim of predatory lending with this Mortgage company ( Specialized loan servicing ) I requested XXXX times already to send me forms for another loan modification, I believe this company XXXX want to push me to loose my home in foreclouse because of the type of loan that they gave me. I wanted my payments to be low monthly and the company keeps increasing my monthly payments. I do not know what to do anymore because my XXXX XXXX is poor right now and I have problems trying to refinance with any company, I tried asking this company to send me forms to apply for another loan modification and they never send me the papers. Please push this company to finally send me the forms to apply for refinancing or to do another loan modification 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 2018-01-09
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I transferred XXXX bitcoin to my XXXX wallet from another exchange ( XXXX ). In order to do this, Coinbase ( who owns XXXX ) will usually transfer it into my Coinbase wallet, and then it auto-transfers over to the XXXX wallet. 

The Coinbase wallet received the funds fine. I received a confirmation email stating so. Shortly after, however, I received another email from XXXX with the subject line " Attention Required. '' It said the transfer had failed, and to move it over from Coinbase manually. 

I logged on to perform this transfer, only to find that that the Coinbase wallet noted the transfer as " complete, '' and there were no funds in there to manually transfer. On the XXXX side, the transfer was noted as " pending. '' It has been in that state ever since ( over a week now ). It also shows the " estimated payout '' time to always be whatever the present time is when I check it. 

I emailed XXXX support on XXXX/XXXX/XXXX and included all the relevant information ( below ). I received an auto-response giving me a case number ( Case # XXXX ). I have followed up with them by email twice and received no response. I have tried calling and no agent ever comes takes the call, even after 90 minutes on hold. 

I have done other transactions since, but the funds for that transfer remain inaccessible. 

Transfer ID : XXXX BTC transaction hash : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
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:
HELLO AS IT WAS REVISING MY CREDIT SPACE AND I SAW THAT I HAVE MULTIPLE INQUIRES IN MY CREDIT REPORT AND TRY TO COMMUNICATE WITH SUCH COMPANIES BUT DO NOT KNOW HOW TO GIVE ME A SPECIFIC ANSWER PLEASE REMOVE THE CONSULTATIONS THAT I DO NOT RECOGNIZE THANK YOU.

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 2017-11-28
Company: IQOR US INC
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On a given day I could get 10+ calls from Allied Interstate. I pick up, they hang up on me, or when I do get someone they do n't speak English and demand I pay my debt. 
I have asked them not to call repeatedly through out the day, and they continue to call.

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 2021-09-10
Company: Credit Corp Solutions Inc.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I started receiving calls from Credit Corp XX/XX/XXXX. Since I have never initiated contact I didn't answer the calls at first. They contacted me daily, occasionally twice a day. I finally called the number that called me, on XX/XX/XXXX to tell them they were violating privacy rights and to stop calling. I have received calls XXXX, XXXX, XXXX and today, XX/XX/XXXX. This is harassment and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: Nationwide Recovery Systems, Ltd
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call from Nationwide Recovery Systems stating I owe a debt of {$320.00} to XXXX XXXX XXXX XXXX. I contact XXXX XXXX and was informed that I owe them no debt, the rep further informed me that they do not use Nationwide Recovery Systems and they do not sell their collections. They use a Third party company, XXXX XXXX XXXX in XXXX, VA. 

When I spoke with the rep from Nationwide Recovery Systems, I disputed this debt, I requested that they send me a itemize bill with details and dates of service, signed Hippa form and a copy of my ID. I have never received these documents and Nationwide has not verified this debt. I received several alerts that this debt was reported to all three credit reports. 

Nationwide did not verify the debt, but law if I request verification and dispute the debt, Nationwide must provide. At this time I have received no such documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: RFNA, LP
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I got behind on the loan and they had me served with civil court documents. I called and talked with them and was working out a different payment arrangement. I was making smaller payments to them. I was told the process of being sued would be placed on hold. I kept making the smaller payments then about 2 months into makeing the smaller payments i was notified that they proceeded with the lawsuit with no notice i was found in default because i did not appear. Resulting in a lien being placed on my house and they are refusing to subordinate the lien. This company is a snake in the grass. I am willing to work out a repayment plan as long as they subordinate the lien or remove it. I am checking into my options to counter sue because they are going to cause me to loose my house.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-13
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Hi, I kept getting contacted by this company claiming to be a loan servicing agency. They called themselves XXXX XXXX '. I talked to a guy named XXXX and a woman named XXXX. They went into great detail about my loans and how they could help. I ended up believing them and gave them all the information they would need including my social security number and bank routing and account number. 

They already pulled {$120.00} out of my account but I have canceled the request with my bank. What further steps would I need to take to ensure they can't take anymore, scam me, or move forward with identity fraud. 

This happened in XXXX, they claimed to be working with the Dept. of Ed. and their first withdraw from my account happened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: Southwest Credit Systems, L.P.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I submitted a complaint back on XX/XX/2021. 
I am not the owner of the account that is being referred to. This account is not mine, I have reached out to your company and left my contact number with Southwest Credit System

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: DISCOVER BANK
State: MI
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:
Discover financial services- Inquiry XX/XX/2021 This is a fraudulent inquiry on my credit report Ive been trying to get it off for months now I reached out to all 3 credit bureaus and the company about this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-06
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX XXXX ACCOUNT # XXXX THIS COMPANY FAILED TO VALID THE DEBT. THE DEBT IS UNVERIFIED ACCOUNT.

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 2018-03-23
Company: The CMI Group, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have XXXX and XXXX monitoring my credit. I received notification from both that a collection for $ XXXX was submitted on both my XXXX XXXX and XXXX credit reports on behalf of XXXX. The collection agent is Credit Management , LP of XXXX, TX. I called XXXX, and I do not owe them any money and was not even listed on the account that my husband has. They have confirmed that the account that he has is in good standing and being paid automatically each month. I have since gotten a written request to pay this debt by US mail from Credit Management. I have filed a complaint with the US Postal Inspector and will be filing a complaint with the Illinois Attorney General 's Office. I have disputed this item on both credit bueaus. 

I am the XXXX of XXXX at XXXX XXXX XXXX in XXXX, IL. This company is attempting to collect debts not owed by holding credit reports hostage. I will not let them get away with this fraud.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-05
Company: EQUIFAX, 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:
Someone else 's credit information is reporting on my credit reports. I sent a copy of a police report and my ID to the credit reporting agencies in XX/XX/XXXX and they not only denied that my claim was legit but initially the issue was only on one report but now " the agency that made the mistake '' has uploaded this information on all 3 reports. The person whose information they are reporting lives in a completely different state and owns a home and several other accounts that are now reporting on my credit reports, and this is keeping me from purchasing " my own home. '' I have located the persons full social and date of birth which was a typo by the credit reporting agencies because their social is one digit off from mine and their date of birth is two days after mine. I want my credit reports fixed so that this persons information is removed from my reports. I submitted my dispute originally in XXXX of XXXX and as of XX/XX/XXXX the issue has still not been rectified.They even have a company listed on my report as my employer and I have never heard of or worked at this company because " it is not me ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/XXXX I was talking with a scammer on XXXX that supposed to unlock XXXX. 
My wife XXXX was mainly talking with him and captured the messages from where he leads us to pay for the service. We tried to pay as service on XXXX but it didn't go through so we ended up using venmo thinking that they will help us when things go wrong. 
Please see our supporting document that clearly shows that this scammer acted as someone who knows what he is doing and asked us to pay for {$150.00}. He specifically told us to wait a day ( now we know why since this way the payment goes through ). 
XXXX the scammer goes by on XXXX now deactivated his account after got what he wanted ... XXXX XX/XX/XXXX ). We documented as well. 

Currently Venmo is investigating but not going anywhere ... so we decided to open the complaint here. 

Please bring justice to this scammer who is probably hurting others as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
On XX/XX/2019, I asked my bank ( XXXX XXXX ) to obtain a credit report as part of an application for a mortgage loan. Three companies reported : XXXX, TransUnion, and XXXX. Both XXXX and TransUnion referenced several Creditor accounts that were incorrect, that is, the Creditor information was not mine but actually belonged to another person. XXXX  information was mostly correct. I contacted TransUnion to dispute the incorrect information. After two calls, a TransUnion representative took my complaint and initiated the steps to remove the incorrect information. I was not successful in contacting XXXX   either by internet or phone call to rectify the report. I have three fundamental concerns : ( 1 ) how and why was incorrect information added to my identity, ( 2 ) why are credit-rating companies like XXXX and TransUnion permitted access to my personal financial information and have such incompetence in ensuring that the information is correct, ( 3 ) why do financial institutions like XXXX XXXX rely on credit-rating reports when the reports may have inaccuracies? It seems that persons like me are the ones who have to rectify credit-rating problems created by the incompetence of companies like XXXX and TransUnion. My suspicion regarding concern ( 1 ) is that the credit-rating companies are not using a complete set of personal information when they obtain financial information : namely, complete 9-digit social security numbers, current addresses, and birth dates, all correlated to an account held by a person. The incompetence of companies like XXXX  and TransUnion places a terrible burden of proof on the financial status of US citizens. Why are such companies not appropriately regulated by the Federal Government?

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