BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I placed a security freeze on all 3 credit bureaus as I was a victim of identity theft. No one is supposed to be pulling my credit report or extending lines of credit without calling my first and no such thing has occurred. The only inquires on my report that are valid are the ones coming from XXXX XXXX Bank, XXXX, and XXXX XXXX XXXX Bank. All other inquiries were unauthorized and I have reached out to the credit bureaus to investigate but have received no help on the matter.

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 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am requesting and I would like to submit my CFPB Complaint regarding these fraudulent items on my report that are still inaccurate. I had submitted already my complaint on my previous letter but still there was no further actions. I want some investigations regarding to this matter. I need the following items be remove on my credit file immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-16
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account XXXX XXXX, XXXX XXXX account XXXX XXXX, XXXX  account # XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I have opened my account with Capital one on XX/XX/XXXX, using promo code XXXX and deposited {$100000.00}, as advertised from my XXXX account. Per terms of advertisement if I keep my money for 90 days, I will get {$1000.00} as sign on bonus. I kept my money in account until XX/XX/XXXX ( i.e. 94 days ). I call bank on XX/XX/2023 and asked when I will get my bonus customer support told me I am not eligible, I argued with them and then transferred to supervisor. The supervisor told me I am eligible and will get my bonus on XX/XX/XXXX ( ref number for call : XXXX ). Today on XX/XX/XXXX, I didn't receive my bonus. I called bank again and spoke to supervisor. She told me, other supervisor mentioned I might be eligible and she didn't guarantee. I remember she did mentioned I will get it as it is per the term. I asked to listen to recording and file a complain for it ( ref number for call : XXXX ) As next step bank will take 30 more days to resolve this whether I will bonus or not. So, I want to raise this complain with CFPB as well. Happy to provide all relevant information as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-14
Company: Selene Finance LP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My loan was transferred to Selene Finance on XX/XX/2018 from XXXX XXXX  whom I had gone thru the loss mitigation process and had been approved for a repayment plan, a signed repayment agreement was sent along with the initial payment as requested. Selene miss handled my account for months, I called practically everyday had to resend documents multiple times cause they either lost them or claimed to have never received them, their staff was incompetent in handling even the most basic of questions and request. Supervisors never returned my calls and finally over 5 months later I received a notice that my repayment plan had been canceled due to lack of payment even though they had a check that sat there for months uncashed and numerous times I was told by their representatives to hold onto the funds until they completed the account transfer. I then applied for foreclosure assistance thru my county and once again to get any documents the county needed or their cooperation was futile. I was approved for assistance on  XX/XX/2018 and the only requirement needed by the county was a XXXX in order to release the funds, weeks later, many phone calls, written request for this simple form and I am about at my deadline for the county funding and still no cooperation despite my constant follow up on a daily basis and my clear expression of the urgency of the matter. This company should not be allowed to continue doing buisness as they treat their clients with no priority and they have been sued and have tons of complaints against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: BROKER SOLUTIONS, INC.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I reached out to New American Funding to gather information about a home equity loan on XX/XX/XXXX. I explained to the agent I was working and that the call was going to be short due to my work obligations. The agent agreed to call me back on XX/XX/XXXX to continue the conversation and answer questions. On XX/XX/XXXX I received an email from the agent 's XXXX asking how my loan process was going. I responded the agent never called me back. On XX/XX/XXXX my wife and myself both received alerts that a hard inquiry credit check was performed. The agent called me after the unauthorized credit check ; I returned the call and advised I never gave him permission to pull credit. I later spoke to the XXXX and filed a complaint. The XXXX later called me back, stated he reviewed the original call with the agent, and stated he agreed that I never authorized the credit check. The XXXX advised at this point customer service will take over. That evening I received a call from customer service that was later transferred to the XXXX XXXX ( XXXX ). The VP would not acknowledge any wrongdoing and stated I implied permission to pull credit checks on my wife and myself. The XXXX denied FCRA was violated. I asked for compensation to correct the issue myself and was denied. The VP advised the only help XXXX XXXX XXXX will offer is to correct the issue with the credit bureaus themselves and that it would require me to authorize power of attorney so they can operate on my behalf. 
I never gave verbal or written permission for my credit check to be pulled. 
At no time in this process did anyone speak to my wife and she never gave verbal or written permission for her credit check to be pulled.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
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: Their investigation did not fix an error on your report

Complaint:
I filled for bankruptcy XX/XX/2016 discharged XX/XX/2016. 
An Account on my credit report suddenly after more than 2 years now sent an update in XXXX and my time since negative has now plummeted to less than 1 month from nearly 3 years. 

Since this is a clear violation of the fair credit reporting act Transunion should not allow information that shows this account was included in bankruptcy and then report negative information after the filing date. 

I have disputed this with Transunion multiple times, they acknowledge you can not report negative information after the filing date but refuse to resolve the problem. They said they disputed it and the creditor verified the information.

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 2023-01-11
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:
In accordance with the fair credit act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX # XXXX has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
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: Personal information incorrect

Complaint:
I have information that i disputed. Months ago, that is still their. Experian told me that they deleted it but it is still showing. I should only have XXXX address on file not XXXX old address.

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 2018-11-13
Company: Grant & Weber
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:
On my XXXX credit report, there is a collections item from Grant & Weber, which is a collections agency from a doctor 's office by the name of XXXX XXXX. I have never seen this doctor, and have no idea what this is for. Both the collection agency and doctor 's office are unresponsive to my calls.

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 2018-07-23
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
My mortgage account with Wells Fargo Home Mortgage should be showing closed with a balance of XXXX, because a settlement agreement was reached. On XX/XX/2018 a consent judgement was finalized with a " waiver of deficiency '' in the XXXX Circuit Court of XXXX County Florida ( Court Document Attached - item # 7 - Waiver of Deficiency ). 

In spite of the court ruling, Wells Fargo continues to report my account as delinquent with a deficiency of over {$70000.00}. This report by Wells Fargo is fraudulent and contrary to the courts ' ruling.

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 2018-04-03
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I entrusted Coinbase with {$34000.00} to do as they advertised : allow me to buy and sell bitcoin. Over a month ago, they locked my account from buying and selling bitcoin, and I could not cash out when the price went up. Now, I have lost over {$20000.00} from price drops and no reason was given other than a few days ago, when they finally assured me that my account was unlocked. They claimed they locked my account because I did not send my articles of incorporation when emailed about it by a team member, even though my account was initially approved for the first few months of use without any trouble. I have not broken any of their terms of service, and access to MY MONEY was stripped from me and still is, even though they said they unlocked my account. IT IS STILL RESTRICTED FROM SELLING MY OWN COIN. Coinbase is a scam company and should be avoided at all costs. I have no choice other than to file a lawsuit at this stage as I was not able to get access to my money when I needed it and have lost XXXX XXXX dollars and increasing in value, also due to other business troubles because I do not having my money when I need it immediately. These frauds should not be in business and I will be compensated for all losses and then some. I recommend that anyone else having problems with these scam artists find a lawyer who will work pro bono.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I called The credit bureaus on XX/XX/XXXX after noticing some inquiries on my report that do not belong to me regarding mortgage lending. I asked for them to be removed as according to the FCRA, legally these unverified and unauthorized items 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 2017-09-22
Company: GreenSky, LLC
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 information incorrect

Complaint:
An account with Greensky Trade Credit , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA was established for financing a home repair project via XXXX. I never received a bill for the completed project therefore, I had to personally contact the establishment to inquire. During my telephone conversation with Greensky, I was directly told the specific reason was directly due to an improper mailing address. They further stated that the correspondences had been returned to them a period of five months had elapsed. XXXX financed the project via Greensky. Therefore, there are two addresses listed on all documents. There are a physical address of the property and are my mailing address. These addresses were established at the initially from the onset of financing the construction. I repeatedly asked a representative of the company during my conversation with her why an invoice had not been sent. She justified action due to an incorrect mailing address. Prior to ending the conversation, I was told that an invoice would be mailed. To date, I have still not received the documents. A day after my conversation with the company representative I received an email alert notification of an adverse thirty-day delinquent credit report. In addition, a second adverse repot was listed on my credit report. An individual from the company whom identified as XXXX telephoned and left me a voice message in references to the account. The voice message directed me to return the telephone call. Upon retrieving the message I immediately returned the call. However, I did not speak with XXXX directly but another representative. I provided the reason I was calling and an email for any additional communications. The representative assured me that the message would be relayed and I left a voice message to ensure full communication of the issue. The company still refuses to provide me an invoice and any additional documents but they are being allowed to submit two adverse thirty-day delinquent credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-10
Company: WELLS FARGO & COMPANY
State: MI
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:
On XX/XX/XXXX, I called to make my monthly payment to Wells Fargo Bank for my XXXX XXXX account which was due on XX/XX/XXXX. I had missed a payment in XXXX due to COVID19 however I was prepared to offer a blanket payment to catch up. The gentleman on the phone offered me a pandemic deferral on my account as I was suffering financial hardship. We agreed to the deferral, he refunded my XXXX late fee and told me that they would report my accounts as current/paid as agreed and I could make payments when I could. The deferral period would end on XX/XX/XXXX. On XX/XX/XXXX, Wells Fargo listed my account in XXXX and XXXX as thirty days late and closed my accounts for non payment. I didn't notice this until XX/XX/XXXX when I reached out to Wells Fargo, paid my past due ( even though I was in deferral ) and waited. On XX/XX/XXXX, I was marked late again by Wells Fargo even though I was in deferral and had made a payment. Effectively ruining my credit, through a program they offered. I spoke to a two young ladies who verbally agreed that what I was saying was correct, but that they could only dispute with the credit reporting agency and to see if there was any discrepancies on their side, which there wont be as Wells Fargo is reporting the wrong information to the credit bureaus.

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 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX Balance Owed : {$530.00} ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.

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 2021-07-07
Company: Specialized Loan Servicing Holdings LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My complaint is with SLS - Specialized Loan Servicing. They have been in constant contact with my ex-mother in-law ( XXXX XXXX ) over my mortgage and has left me out of decisions by not contacting me. My husband and I were co-borrowers of the mortgage. My husband ( XXXX XXXX ) passed away in XXXX and she was appointed as the executor of the estate for 6 months in XXXX. The reason for this was I had underage children and I was incarcerated. I was incarcerated from XXXX. To complicate the matters, my husband and I divorced in XXXX and I deeded the house over to him. He was suppose to re-finance the house and buy me out but never did. from XXXX, Decisions were made on my behalf without my knowledge and consent. I was only made aware there was a problem in late XXXX when my ex- mother in-law told me she did not know what to do. SLS had stopped accepting the mortgage payments in XX/XX/XXXX. When it was brought to my attention, I for filed a loan modification and on numerous times was told my application was incomplete ( at times, the correspondences were not even addressed to me or to my mailing address ) I continued to get second hand information. SLS continued to ask for XXXX XXXX 's information even though she was not on the mortgage or was applying to be. My application was denied because her information was not sent, I have sufficient income to cover my mortgage payments and wish to keep my home. I believe I am a victim in unscrupulous practices and possibly fraud.

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