BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-17
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2020 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

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 2021-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
A negative balance was incurred on the credit card ( i.e. XXXX took money from my checking account and drove the credit card balance below zero, in effect overpaying off the credit card by an amount of XXXX. Then a service charge was unexpectedly incurred, effectively taking a portion of the money the bank owes me from a value of XXXX to XXXX. So in effect Bank of America utilized a service fee to negate the fact that it functionally owes me money ( since their automatic payment service transferred money from a checking account of their competitor 's to themselves ). In summary, BOA siphoned money from a checking account to pay off a credit card sitting at a balance of XXXX, then is negating their error by charging service fees to return overall balance to XXXX. In common sense terms, if deliberate, it's petty theft. If in error, it's a terrible mistake.

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 monetary relief
Consumer complaint received 2020-11-16
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: Credit inquiries on your report that you don't recognize

Complaint:
I am unable to contact Equifax in reference to several Hard Inquiries that were observed on my credit report. These hard inquiries were unauthorized, fraudulent and were done without my consent. Please delete from my credit report immediately as this is damaging my credit score. I am also requesting for the security alert to be removed from my credit report. As I am unable to contact Equifax. A security freeze will be applied by me once the security alert is removed. 

XXXX XXXX XXXX ( 2 ) XXXX- XXXX - ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: Experian Information Solutions Inc.
State: NY
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: Investigation took more than 30 days

Complaint:
I sent letters to the credit bureaus because I have inquiries that I didn't authorized,, and negative accounts that should not be on my credit report. i want to open an investigation about my case and solve my problem.

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 2020-08-27
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 wrote several letters to this company asking them to send me a copy of the documentation they have on file that was used to verify the items they have posted on my credit report. They ignored my request. Instead they sent me back a Piece of paper that has nothing to do with my request. Again I wrote them to inform them of my rights under 609 fcra disclosure to the consumer. They Again ignored my request. All I ask for from this company, is to send me a copy of the physical form that was used to verify the accuracy of the accounts they listed. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent 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 2020-08-27
Company: EQUIFAX, INC.
State: NC
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:
Equifax has deleted my credit history as of XX/XX/2020. I called Equifax on XX/XX/2020 at XXXX XXXX. ( XXXX ) XXXX and they had me to purchase a product on XX/XX/2020 for {$10.00}. The website is www.myservice.equifax.com I was told that was the only way I could check my credit report online. The site didn't work no longer than 15 mins. Only two of my credit items was on that report. Also, they've added over 10 inquiries that doesn't belongs to me. That happened on XX/XX/2020 as well. They didn't make me aware that my credit history had been part of the data breach. I believe this is why I'm having problems!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: WELLS FARGO & COMPANY
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of 2020 I made a payment to Wells Fargo for our 1st mortgage. The statement showing this transaction shows a principal balance on our mortgage of {$270000.00}. This is a conventional 30 year mortgage. 

I accepted payment forgiveness ( COVID 19 ) from Wells Fargo and did not make a payment in XXXX or XX/XX/2020. Wells Fargo said there would be no fees or interest on this short term no payment period. The statements sent at this time showed the same {$270000.00} balance AND a 2nd principal balance of the payment that wasn't made that month. So, every month that went by - they are charging me the FULL mortgage payment that wasn't paid AND putting it on top of my regular mortgage principal - like a {$2100.00} Fee they are charging each month and adding to my balance. 

In XXXX, we made a payment. After the payment went thru - Wells said I now have a principal balance of {$270000.00}. 

After skipping 2 payments at no charge and making a payment - my total principal balance should be XXXX. Instead, thru XX/XX/2020 Wells Fargo has added {$2700.00} to my principal balance. 

I contacted them, they " resolved '' the issue by calling me a month later XXXX and telling me I'm wrong and they are correct. 

What they are doing is " adding '' the payments to the end of the mortgage. In reality, they are increasing the payoff of the house by thousands of dollars. If I sold this house in 5 years, I would have to pay these payments on top of the principal. 

I'm sure they are pulling the same thing with Millions of other people who may not be looking as closely as I am.

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 2021-07-01
Company: EQUIFAX, INC.
State: AL
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was forced to pay a debt that wasnt mines. I ask to send the contract that matches my address and they didnt. I was told that that debtvwas at my current address which is frivolous. I dont have never had XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Experian Information Solutions Inc.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian continues to report false information my credit report - On XX/XX/XXXX, their system decrease my credit score by 18 points, without any reasons. I have called them on several occasion and asked for the points decrease, and they continue to tell me that it is done automatically in their system and they do not know why and can not fix it. On XX/XX/XXXX & XX/XX/XXXX, there was a positive reports on my file by my creditors, XXXX XXXX, they should raise mu fico score by double digits, for paying down the balance and satisfying the account paid in full, their system didn't increase my fico score, instead lowered it by 1 point. 

I called several time to Experian and tired to speak with their dispute department and the membership department, but no luck. Instead they just coninuei to take my membership fees and resolve any issues.

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 2020-01-27
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I reviewed my credit report on XX/XX/2019 and discovered Procollect , Inc collection account # XXXX. 

XX/XX/2019- Sent Validation request to Procollect XXXX Reviewed XXXX  credit report Procollect account is still reflecting, although I I received no validation of debt from Procollect

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 2018-02-14
Company: Coinbase, Inc.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Money wire deposit not received. 

I sent a wire deposit to Coinbase in the amount of {$26000.00} on XX/XX/XXXX, It is now XX/XX/XXXX. They state on their website that money wires typically take 1-2 days. This fiasco cost me {$94000.00} and counting on just one investment. I am utterly disgusted with them and they make me wan na XXXX every single day. If they cant handle to take on extra business then they should not allow new customers until they get properly staffed. I absolutely hate incompetence. It wasnt till after I read all the other complaints on XXXX about customers with the same issue before I realized I had a real, and even more serious problem. Some customers havent received their money going on two months! Im hearing rumors that Coinbase is a Ponzi scheme, that they are borrowing our money as long as they can interest free, etc. Im going with fraud/scam though because I havent received it as promised. 

People involved are XXXX XXXX and Coinbase. XXXX XXXX confirmed that Coinbase received the wire, but when I call Coinbase they tell me they have no record of it. I also have no record of any pending transaction on coinbase. So either XXXX XXXX   blatantly lied, Coinbase has it but dont want to release it to me, or XXXX has it. Thats for you guys to figure out. In this case I really hope XXXX has it because I heard if you give, you shall receive 10 fold. That would give me my losses back and some. 

My next step is to file a complaint with the BBB and FBI. If you suggest any other avenues of approach please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Received unemployment funds and advance from SBA and Bank of America flagged my account for Fraud and immediately closed the account. These transactions occurred on XX/XX/XXXX and XX/XX/XXXX. No funds were ever released to me. I contacted the State and SBA and they both stated that Bank of America had the funds. When I called Bank of America they said that the funds were sent back to these other institutions. So I was basically getting the run around. On today, XX/XX/XXXX I received an email from SBA to complete an application for another advance, as I completed the application I noticed that my information had populated in the application to include the previous advance amount that I never received from Bank of America.

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 monetary relief
Consumer complaint received 2021-07-01
Company: Experian Information Solutions Inc.
State: IN
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:
Hi, I contacted XXXX ( XXXX XXXX XXXX XXXX, FL XXXX ) three times to dispute their fraudulent tradeline on my credit report. I also disputed with the credit bureaus. They haven't remove the tradeline. Because this issue is damaging my credit rating I offer XXXX a payment of {$750.00} to settle the account but they didn't accept. At this point I need help from your agency to help me remove this unknown tradeline from this company.

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 2021-07-01
Company: EQUIFAX, INC.
State: IN
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:
Hi, I contacted XXXX ( XXXX XXXX XXXX XXXX, FL XXXX ) three times to dispute their fraudulent tradeline on my credit report. I also disputed with the credit bureaus. They haven't remove the tradeline. Because this issue is damaging my credit rating I offer XXXX a payment of {$750.00} to settle the account but they didn't accept. At this point I need help from your agency to help me remove this unknown tradeline from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Chime Financial Inc
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to send money to another person

Complaint:
On the XXXX of XXXX I received an email from Chime saying my account has been put on hold due to suspicious activity but there isnt any suspicious activity. My back pay from the Georgia Department of Labor was direct deposited into my account and I didnt have a physical card anymore because the last direct deposit I had was in XXXX ... therefore I only had a virtual card and my birthday was Thursday and when my boyfriend took me on a lil birthday trip over the weekend the only way I could access funds was to send him money via XXXX  or through email or his phone. Im XXXX and I cant even access my funds and I have bills due

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was a resident at XXXX XXXX XXXX XXXX apartment complex in XXXX, MO. When I moved out XX/XX/XXXX I paid all applicable fees ( rent and included utilities ) and had a {$0.00} balance. XX/XX/XXXX I received a collections notice from Fair Collections and Out stating I had a debt of {$140.00} due to XXXX XXXX. I immediately called and advised this was not my debt as my balance was paid when I vacated the property to the property manager XXXX XXXX. I also made a call to XXXX XXXX XXXX XXXX and spoke with XXXX as XXXX XXXX was no longer with the company, who advised I have a {$0.00} balance and the debt was an error. Since this I have not received any collections calls but this debt is still reporting incorrectly on my credit report. I spoke with the debt collector on XX/XX/XXXX and asked to send proof that this debt belongs to me and was advised they don't do that. They only have to verify with XXXX XXXX and if they say I owe it then that is what they go by but no one can send me any proof that this debt is factual.

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 2018-07-03
Company: Byrider Franchising, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
This is about XXXX and XXXX reps for cnac aka jd byrider. They call after and before collection hours are rude use foul lange and threaten me. They call text and email myself and the co buyer on the loan. They have even taken an unauthorized payment from an accou t that was not mine and then reversed it because it was not authorized. This company sold me a car that gas no air needs to be jumped everytime and then continue to harass me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: CITIBANK, N.A.
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:
In last three complaints XXXX, XXXX, XXXX XXXX/CITIBANK has not addressed my concern. XXXX/CITIBANK has admitted they had wrong mailing address and wrong contact phone number on their file which is why Plastic cards or statements never delivered. 

XXXX/CITIBANK still not admitting they gave the TEMPORARY CARDS ( with my name ) to wrong person or XXXXs employee misused it. 
CITIBANK or XXXX ( merchant ) has not given me any evidence the temporary card was handover to me. I already mentioned in my last three previous complaints - I applied for the cards but temporary cards were not issued, reason given was computer issues. I need direction from CITIBANK/XXXX to tell me what they need from me to prove that? Isn't the incomplete address/wrong phone number no hint enough on your side.

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 monetary relief
Consumer complaint received 2021-09-02
Company: Experian Information Solutions Inc.
State: NC
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 reported that this closed negative XXXX phone account was open fraudulent and ask for it to be removed during my further investigation of the company and addresses there was no valid address or phone to contact this company to submit my claims I dont understand why and how the bureaus are getting in contact with this company to support this fraudulent account on my report the address for this company is XXXX. XXXX XXXX XXXX TX XXXX I have submitted supporting documentation showing who I am and my address during the time this account was 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 2018-07-03
Company: Crow Creek Sioux Tribe
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I agreed to a loan from this company, only to find out that they are not a legal lender in my state ( XXXX ). 

After repaying the principal amount, as well as a significant amount of interest, I advised this company that the borrowed principal was paid back and that I was revoking ACH authorization and requesting acknowledgement that the account was paid in full. 

As of this date, this request has not yet been satisfied.

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 2021-07-01
Company: Frontline Asset Strategies, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter in the mail from Frontline AS on XX/XX/2021 notifying me of this debt. They stated that I had 30 days to disput the validity of the debt before they reported it to the credit bureaus. I mailed them a Validation request, via certified mail, with tracking number XXXX, it was signed for and received by Frontline on XXXX. 

I have not received any validation documents, or any contact from Frontline since that time. However, they have recently reported a collections account to the credit bureaus which is a clear violation of the FCRA. 

This is a strongarm tactic to try to get me to pay an unvalidated debt and should be punished as I'm sure I am not the first person they have done this to.

Company response to consumer: Closed with explanation