BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent numerous letters to XXXX regarding the inaccuracy being reported under my XXXX XXXX account. What doesn't make sense is that IF the data furnisher is reporting this accurately for TransUnion and XXXX, why isn't is being reported accurately for XXXX. Also, after providing proof, XXXX still hasn't done anything about it as per their obligation. The payment status is WRONG. The status should be Current as it was not late when the account was closed. 

Also, TransUnion has not addressed my complaint regarding my XXXX XXXX XXXX XXXX XXXX XXXX. I challenged the account and XXXX and XXXX   removed it, but TransUnion did not. How is it that the same account was challenged and resulted in different outcomes IF the account was investigated by the same data furnisher?

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 2020-01-21
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:
Hello there is an open XXXX account for XXXX $ on my credit. I called XXXX and they say it was opened before I even turned XXXX. Its been in my credit since the day I turned XXXX XXXX XXXX. And this isnt something I wouldve or shouldve been able to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Experian Information Solutions Inc.
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:
I had called to move my payment out because with COVID, I knew I was going to be late because unemployment hadn't kicked in yet and I was laid off due to the Pandemic. 
I have since made my payments and everything is now current but I had explained this to XXXX and there should have been an agreement and leniency due to what is going on in the world. 
I do not feel that this should have hit my credit this way as I explained and tried to make arrangements.

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 2020-08-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My husband and I applied for a refinance on a conventional home mortgage with Wells Fargo Bank in XX/XX/XXXX on a rental property. We have been approved of the refinance. Today marks 8 months since we started this refinancing process. We are financially stable, have multiple income streams, and have 800+ credit scores. We have been a customer of theirs for 20 years, have had a previous mortgage with them and have NEVER missed a payment. However, as of XX/XX/XXXX, Wells Fargo still has not been able to close on our loan due to inefficiencies, delays and egregious mistakes in their process. We have been asked to provide our pay stubs every other month, have lost contact with loan officers, and have been handed off to multiple processors at Wells Fargo. Anytime we have been asked for additional/repeated documentation, we have turned it in in less than 24 hours. We have been asked to provide XXXX and XXXX tax statements repeatedly, which they should have in the file to begin with. No one is able to give us clear answers why they were not able to get the loan closed. We have 9 months worth of email trails of them apologizing and admitting that the delays were solely their fault. Due to the delays, we have been paying $ 700+ more monthly on the old rate. We could've saved $ 5k+ had Wells Fargo done their jobs. We have not been offered any remediation as of today.

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 2020-11-13
Company: BSI Financial Holdings, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I advised BSI Financial Services, XXXX XXXX XXXX, XXXX, PA XXXX to immediately cancel my Automatic Payment Plan ( ACH ) after I received a letter dated XX/XX/2020, for the following reasons : 1. BSI 's Website does not allow customers to change their payment date, 2. BSI 's ACH does not allow me to pay electronically from my bank directly to BSI, 3. BSI 's Website did not disclose all possible fees in advance, 4. Despite repeated attempts to contact BSI 's Customer Service, including 40 minutes on hold attempting to get an explanation of these issues, finally the recording said I would receive a call back, but after 10 days, I received no call back, I have determined dealing with BSI 's ACH is just not worth it. 

I am filing this complaint to share my anger at receiving this level of customer service, my home loan was sold to BSI without any input from me. I have a very high credit rating and would think that signing up for auto pay is something BSI would welcome and make it easy for all parties, not send threats of penalties and strict rules and not even answering their phone. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: Second Round Limited Partnership, Austin, TX Branch
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Second Round Lp is trying to collect {$2200.00} for a XXXX XXXX XXXX account that was charged off XX/XX/XXXX for {$1700.00}. They listed the debt as " XXXX '' but when I called to verify debt, they said it was for XXXX XXXX and could not verify the account. I have requested they verify the debt and they are not able to the debt is listed on my credit report. I have attached my credit report. Under 'NEGATIVE '' items you will see : XXXX/XXXX XXXX reported to all 3 bureaus and if you look under collections you will see 01 XXXX XXXX they are for the same debt ( both listed on pg 3 of my credit report ). You will find the original XXXX XXXX account on pg 63 ( showing last updated on XX/XX/XXXX eventho it charged off XX/XX/XXXX ) You will find Second Round new charge on page 74. It will only show XXXX XXXX and when you call they say it is the XXXX XXXX account, they give an amount of XXXX but can not verify the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: Coinbase, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I wired {$7000.00} to my Coinbase account and it never showed up. The company said they could not complete the wire, even though it originated from the same account linked to my Coinbase account.
To resolve the issue, they said they would reverse the transfer and send it back to my bank account and that I should see it in three business days. The money never showed up. I would like the {$7000.00} returned to my bank account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XX/XX/2019 - Debt collector shared my information with the front desk over the phone and bashed my character. 
XXXX XXXX with PBCM at XXXX XXXX follow up call for collections regarding your son.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: National Collection Systems, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have repeatedly requested that National Credit Management provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: ORG GC GP Buyer, LLC
State: MA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was recently contacted by a collection agency. 

I asked for verification of the debt and no was sent. I then received several additional mailings, but no verification of the debt. 

They are obligated to send me information so I can further investigate who is terrorizing me. This has happened several times in the past and I am now concerned that they respond to my verification request by going away for a few years. Then they make another attempt. 

They need to stop this trolling behavior. 

What can your organization do to help?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
When the COVID-19 pandemic first occurred I called the company, Credit Acceptance, when I first lost my job and they told me that the only thing that could be done for me is they would erase late payments. So as soon I as I received any financial assistance I made sure it was one of the first bills I took care of because it was showing up as a late account on my credit report. That was in XXXX. In XXXX the account was up to date. I kept checking my credit report and it has not been updated since XX/XX/XXXX. I have been in contact with them 4 different times and they have given me different answers every time. I called XX/XX/XXXX and they told me there was a freeze on my account and they were going to take it off so my credit would be reported on the XXXX on XXXX. I then received an email XX/XX/XXXX and it said they were not reporting until XX/XX/XXXX. Now they just told me I have to fill out a form to take the freeze off. I also have disputed this with each of the credit bureaus and they told me the information was accurate and nothing about a freeze.

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 2018-05-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My original lender and servicer was XXXX. Several years ago when the economy crashed and we lost income, we were unable to pay the property taxes. They are not escrowed in our contract. We pay them ourselves. XXXX was kind enough to pay them for us and we were instructed that money would be moved to the back of the loan. Its never come up or been an issue since, and we've even had other servicers take over the account since then. Several months ago, SPS took over the servicing. Now out of the blue they are saying we owe this money now and their " records '' don't indicate it was moved to the end of the loan. This is either an outright lie on their part or records were not transferred properly. I'm so ill with servicers taking over our mortgage and then claiming their own rules. I had an established agreement with XXXX and even the next servicer, XXXX XXXX XXXX, never had an issue with my original arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: High Point Asset Inc
State: MD
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been contacted several times in regards to collecting a debt from me for a payday loan that I do not recall obtaining. This loan supposedly happened in 2013. I have never received any written documents in regards to this payday loan. For about a year now I have been receiving threatening phone calls from different numbers regarding this payday loan. The calls are coming to my home phone number and my cell phone number. When I ignore the calls it seems as though they come more frequently and more threatening. Also after ignoring the calls from one number for a while, the calls start coming from different numbers. These calls are becoming a nuisance and I would like for them to stop. These people are trying to get me to pay/settle on a loan that I do not remember and pretty sure that I have not taken out. I have a list of the different numbers that they have been calling me from as well as the different companys involved in the harassment. In my last contact with the company involved I obtained the name of one of their representatives. The companys involved are : Highpoint Asset, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Phone numbers involved are XXXX, XXXX, & XXXX. I would greatly appreciated if these calls will stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
This is my second dispute notice and as I was going over my credit report once again I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. Other accounts have been transferred to other offices and are now showing up twice on my credit report. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : - 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 2023-02-24
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried opening an account with chase and they said it wasn't possible due to closing of a previous account but i never had an account with them prior

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The IRS sent Equifax a " Withdrawal of Filed Notice of Federal Tax Lien '' on XXXX/XXXX/2013. It recently came to my attention that they did not remove it. I filed a dispute. They still would not remove it because they determined the lien was released. It was WITHDRAWN. They do n't seem to know the difference between RELEASED and WITHDRAWN. It should be removed from my file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX and XXXX XXXX XXXX from Minnesota has sent a letter on my behalf requesting for Equifax to delete the following accounts from my Equifax credit report : XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX, MN Child Support XXXX XXXX, University XXXX XXXX : XXXX, XXXX Bank : XXXX, and XXXX Credit Consultants, due to me being a veteran XXXX and a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
loan was not with this company, im diputing information being reported to the credit bureaus i am not aware of this loan being refinanced with this company late payments are innacurate as well

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: FORD MOTOR CREDIT CO.
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:
I had called to move my payment out because with COVID, I knew I was going to be late because unemployment hadn't kicked in yet and I was laid off due to the Pandemic. 
I have since made my payments and everything is now current but I had explained this to Ford and there should have been an agreement and leniency due to what is going on in the world. 
I do not feel that this should have hit my credit this way as I explained and tried to make arrangements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-02
Company: NAVY FEDERAL CREDIT UNION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have beena member of NFCU for over 5 years now. Building a relationship with your bank must not be a thing anymore. I applied for the XXXX card which promotes ESTABLISHING CREDIT & RE-BUILDING CREDIT. I am in the rebuilding process. Here is my issue, I have build this relationship with NFCU & I fir the qualifications for the secured card and I get denied. On average people use between $ XXXX {$500.00} as their deposit for a secured card I used {$2000.00}. So riddle me this how does be using {$2000.00} of my own money pose any riskto NFCU? And if it did who looses in the end if I default? I do. Marketing these cards to rebuild credit is extremely asinine due to the perplexed and flummoxed advertising of the card. I usually would like a review of my application, but in this situation I am ok. NFCU will never see a dime of my money again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Hi my XXXX loans are up to date and they are showing delinquent. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had XXXX for some years. So they offered me a package to watch for being a good customer. The only terms was I was to cancel the package before the ending period..which i did. 
But XXXX still charged me for the package that I canceled before the ending date..this account is over 6 years old now. 
Also it 's the 3 or 4th time that they are trying to collect a debt that I do not owe

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2020-07-02
Company: CITIBANK, N.A.
State: CA
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 contacted Best Buy Credit on XXXX XXXX for a credit report update, from a mistake that they have made in XXXX of XXXX when they accidentally reported a late payment to XXXX. They did not report this late payment to any of the other Credit Bureaus because it was a billing address issue that was resolved. They have notes in their records from XX/XX/2015 that the billing issue was resolved. Their reasoning for not being able to correct this dispute is because " their records don't go that far back. '' However, I have TWO recorded conversations with Best Buy credit that the reporting of the late payment was a mistake because it was already resolved. The resolution date is XXXX XXXX, per a phone conversation with 2 different Best Buy credit employees. I just want them to correct this late fee with XXXX so it does not show up on my report, as it doesn't show up on XXXX  or XXXX. The only thing Best Buy keeps saying is that they can not go back more than 6-12 months. This is unacceptable because their mistake is affecting my credit score.

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