BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-11
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:
OnXX/XX/XXXX, I sent a letter to Equifax regarding 4 accounts being reported by XXXX XXXX XXXX XXXX in the amount of {$75.00}. I have attempted to contact the collection agency several times by phone and mail to get validation this debt, to no avail. I have disputed this account several times with Equifax due to the address listed on my credit report being incorrect and the phone number being disconnected. I even called Equifax about this problem onXX/XX/XXXX and was told that they would reinverstigate. OnXX/XX/XXXX, I sent a certified letter to the collection agency to the address listed on the report and the letter was returned as undeliverable. ( see copy attached ). However, despite this, I received another letter from Equifax, dated XX/XX/XXXX, wherein they claimed to have verified the account and listed the same undeliverable address and disconnected phone number. ( see report # XXXX attached ) After sending yet another dispute on XX/XX/XXXX, Equifax changed the address listed on my report dated XXXXXX/XX/XXXX.  However, a review of the State of Florida Division of Corporations website revealed that the fictitious name filing for XXXX XXXX XXXX XXXX XXXX, which lists the same address as the Equifax credit report, expired in XXXX. Therefore, this company is not even authorized to do business in Florida. ( see attached Division of Corporation document ) As part of my dispute on XX/XX/XXXX, I sent copies of my XXXX and XXXX reports which showed that both bureaus deleted these XXXX XXXX XXXX accounts months ago as I 'm sure they experienced the same problems I had with verifying these accounts. ( see attached XXXX and XXXX reports )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Unifin Inc.
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom it May Concern : This problem began 5-6 years ago, when XXXX had a promotion where they would pay any cancellation fees to our current carrier if we were to switch to them. Having multiple lines at the time, we knew this was a good deal, as it would lower our monthly phone bill significantly. After going through the long process of moving all of our lines to XXXX, we were instructed to go down the hall to XXXX XXXX this was in a mall ) and just start the cancellation process and that afterwards any fees would be " taken care of ''. 

It all sounded straight up, and I still don't feel that XXXX  was being dishonest or misleading. What we believe happened was that XXXX didn't like the marketing strategy and started some maneuvers to fight back, leaving we, the consumers, holding the bag, while two giants duked it out with all their legal mumbo jumbo that we couldn't keep up with. We also ended up in a mess right at this time when my husband lost his job- we were simply fighting to stay afloat. No time or resources to address this phone issue. 

We have given a very condensed version of events but hope this gives a good picture of what is going on. We initially talked to XXXX, who gave a small payout for compensation, which we don't remember what happened with it. XXXX was even less willing to work with us. Regardless, we believe that this is a debt we do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
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 home equity line of credit with XXXX XXXX. the limit is XXXX k. 
I owed XXXX and on XX/XX/XXXX i paid XXXX k down. 
For the month of XXXX, XXXX and XXXX XXXX XXXX is reporting that i owe XXXX k and this puts my at 40 % credit usage and my credit score is  going down significantly. 

I disputed with experian and on XX/XX/XXXX i received confirmation that my dispute was completed and nothing was changed. 

I complained to the bank several times and every time i'm being told that they are investigating but meanwhile my credit score has gone down over 15 points that will most likely take me a year to get back. 

this is a simple fix, just report the correct information but i cant get anyone from experian or XXXX XXXX to listen.

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 2021-05-19
Company: Foris DAX, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Description : I opened an account online with Crypto.com a few months ago. Its under XXXX. Made electronic. ACH deposits from my XXXX XXXX to crypto.com. Purchased BTC and etherium. I have sold positions into their XXXX XXXX. I was shocked when I could only Transfer out back to my XXXX XXXX just {$5000.00} daily limit. I still have roughly {$12000.00} still and received an email from crypto stating I violated their rules and locked me out of my account. Ive sent over 20 emails, chatting on their computer help chat line. No access at all as of Wednesday XX/XX/21. Ive emailed them as I said over and over. Many times. No help. They do not have a phone # to call. Please help me get the {$12000.00} returned to my checking account ASAP Thank you. 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 non-monetary relief
Consumer complaint received 2022-07-30
Company: GLA Collection Company, Inc.
State: KY
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:
have sent 3 certified letters to both companys with no solution to the problems, per 15 USC 1692g this company was to notify me of this account, i was not notifited as the original creditor only i can validate this debt. i do not validate this debt therfor this account must be deleted.

the reporting of this account is in violation of 15 usc 1681 and the fair credit reporting act 15 usc 1681 ( a ) ( 2 ) ( B ) furthermore, Regulation F Under the FDCPA section 1006.30 ( a ) generally prohibits debt collectors from furnishing information to a consumer reporting agency before debt collector either speaks to the consumer, and or sends validation notice and waits a reasonable time to receive notice of undeliverable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
TRANSUNION broke the law with not responding to me I have mail tracking proof and they verified my accounts which is against law 's usc 15 1609 fdcpa please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 


Bankruptcy XXXX XX/XX/XXXX DELETE XXXX XXXX XXXX  XX/XX/XXXX DELETE XXXX XXXX DELETE THE FOLLOWING ACCOUNT SHOULD BE ON TIME AND OPEN NOT CLOSED XXXX XXXX XXXX THIS ACCOUNT IS CURRENT AN ON TIME NEVER LATE UPDATE TO OPEN XXXX THIS ACCOUNT IS CURRENT ON TIME NEVER LATE UPDATE TO OPEN

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 2020-05-23
Company: Comerica
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020, the debit card company, Direct Express, which handles my SSA funds, allowed a fraudulent charge to pass through them. I reported this to the company that day and ordered a new debit card. They, and I, had to wait 5 business days for the " pending '' status to close ( keep in mind the $ was already removed ), at a total of {$310.00}. The company which withdrew the $ is called XXXX and is located in XXXX, XXXX. The debit card transaction line is ridiculous. Hold for usually hours, and usually get hung up on 'accidentally '. On XX/XX/2020 they closed it and the $ was redeposited. On XX/XX/XXXX, however, they allowed the same company to do the same thing with my old debit card # and took the $ from the new. They refuse to give me their address to write a hardcopy letter to them for myself as directed by many sites regarding fraudulent debit card activity and which would also allow me to file a complaint with law enforcement. It's now XX/XX/XXXX. They told me on the XXXX that now I must file a report with them and that they were sending out a time-sensitive packet that I must complete and said that it would arrive within 3-5 days. It has not arrived and this information they 'need ' is due in days. I do not know who to turn to and I honestly need this $ returned. I can't even buy my medication or any necessity at present because of this fiasco. Can you please help me?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Bank of America approved to us a merchant account - E-commerce- through XXXX using XXXX XXXX. In XX/XX/XXXX they didnt deposit {$2000.00}, and the next day we received a email from XXXX they solicited some information about some processes, and we responded immediately. One week later, after several emails and calls, they sent us other email soliciting the same information. They never answered what happened with our money, only we received two calls from Ms XXXX XXXX from XXXX XXXX, she said that our case is in process, but what? We called and sent several email, but they didnt answer. In XX/XX/XXXX we received by mail XXXX Notice of Termination and Reserve. They decided keep our money for long time to protect of chargebacks. We sent email with the Payment authorizations from all our transactions, 13 in total. Its no fair, they have these authorizations, they have to deposit the money in our account. Our clients received their products satisfactorily. Our first transaction was in XX/XX/XXXX and last XX/XX/XXXX, but the merchant withdrawaled {$210.00} dollars for one month of fess and services, incredible!!!!

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 2020-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE.THESE DEROGATORY ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I AM IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S ACTIONS AND I HAVE BEEN LEFT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA AS TO HOW MY PERSONAL INFORMATION WAS OBTAINED BY THIS INDIVIDUAL TO BE ABLE TO DO SUCH A THING TO MY CREDIT FILE. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING SO DAMAGED. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE DEROGATORY ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE DEROGATORY ACCOUNTS AND INQUIRIES DO NOT BELONG TO 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 2020-07-07
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:
My husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items from my report. XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$390.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

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 2019-10-22
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: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2021-06-28
Company: EQUIFAX, INC.
State: AL
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/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Company of concern : Bayview Loan Servicing XXXX XXXX XXXX XXXX MI XXXX complaint : After a refi, this company took over servicing from the lender that closed the loan. During the loan closing process and after the loan closed Bayview has been repeatedly requesting that we supply them with proof of hazard insurance. We have provided ( myself and my insurance agency ) to the whomever the person from Bayview requesting the docs at the time of inquiry. I've emailed on several occasions and even used their online portal system to submit the docs. I've requested several times from Bayview that someone please acknowledge my proof of insurance and remove me from the " final notice '' list. They send me a letter every month explaining they need proof. They also state they will auto draw an absorbent amount from my account to cover the cost of insurance. 

I'm at a loss and don't know how to move forward with this company. I'm hoping my complaint will help solve the service issue I'm experiencing. To be honest, these tactics feel predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
discover is taking an unreasonable amount of time with a balance transfer. The im trying to transfer a balance of XXXX but nothing is happening and I have no idea why its taking so long.the first one was started XX/XX/XXXX but i closed it and started a new one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: Experian Information Solutions 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:
XXXX and Experian are fraudulent on my credit accounts : DEPT OF EDUCATION/XXXX is fraudulent on my credit Account # XXXX DEPT OF EDUCATION/XXXX is fraudulent on my credit Account # XXXX DEPT OF EDUCATION/XXXX is  fraudulent on my credit Account # XXXX DEPT OF EDUCATION/XXXX is fraudulent on my credit Account # XXXX DEPT OF EDUCATION/XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # 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 2020-09-07
Company: Experian Information Solutions Inc.
State: OR
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:
Experian shows a 22 pt drop on my score. I have tried to call 3 different numbers and only have gotten an automated answer.

I finally found a number to call online and purport that I am a business to get to actually speak to someone, and when I called that number, the message said there would be a 2 hour wait.

My score is excellent, but this kind of drop with no explanation, in these times, made me very worried.

This is no way to run a consumer support business!

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 2017-08-11
Company: WELLS FARGO & COMPANY
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Acct XXXX My used XXXX XXXX XXXX, that I bought in XX/XX/XXXX, financed by Wells Fargo Dealer Services ( sold by XXXX XXXX XXXX, XXXX, OH ) was totaled on XX/XX/XXXX, in an accident. I have no car now. From the day I purchased this used car, I have already paid {$8900.00} till XX/XX/XXXX to Wells Fargo in down payment and monthly payments. My auto Insurance, XXXX paid Wells Fargo {$5800.00} and GAP insurance from XXXX paid Wells Fargo another {$4000.00} So, Wells Fargo has received now a total of {$19000.00} for a car valued at {$880.00} Wells Fargo owes me {$5300.00} in over payments ... .but when I requested that amount to be paid to me ... I got a shock when THEY want more money from me for crying out loud ' Sadly, Wells Fargo wants me to pay them another {$1100.00} for some trumped up bogus charges. I know it is Fraud because the car was valued at {$9800.00} and Wells Fargo received about twice or more than that .... BEFORE EVEN THE CONTRACT WAS OVER. THIS IS FRAUDULENT BUSINESS PRACTICE BY THIS GREEDY COMPANY. I AM RETIRED AND ON SOCIAL SECURITY. I AM AGHAST and devastated AT THEIR DISHONEST BUSINESS PRACTICES. WHO WOULD HELP ME? WILL YOU? Wells Fargo twists facts and muddles figures as needed for their nefarious and evil business agendas and engage in unlawful activities to exhort money from American citizens at the heavy cost to the plain truth. Even today, the media broadcast the news where this company defrauded millions of customers regarding the auto insurance. Fraudulent business practices is in its ' blood. FACTS. Wells Fargo received a total of {$20000.00} ( approx ). from me, for a XXXX used vehicle worth {$8900.00} 4 years before it was supposed to have received the money. It is collecting compound interest and will keep on accruing on it for the next 4 years. Still it is trying to twist figures through high profile crooked accountants in its employ and trying to BLACKMAIL the consumer ( me ) into arm twisting for MORE MONEY. This is illegal and this company 's employees involved in this charade must be punished to the full extent of the law.

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