BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-09
Company: Deutsche Bank
State: NJ
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:
Dear WSFS, Thank you for attached XX/XX/2021 Response Letter to CFPB Complaint # XXXX. 

Kindly please provide a corrected 1099 for account # XXXX for the property : XXXX XXXX XXXX XXXX, FL XXXX The attached IRS Form 1099 received from XXXX XXXX XXXX, notes that it is the lender for account # XXXX for the above referenced property. 

As there is no account # XXXX noted on the attached XXXXXXXX XXXX XXXX XXXX  loan schedule and as there is no evidence that XXXX XXXX XXXX was the lender, we are requesting a corrected 1099 from XXXX XXXX XXXX XXXX XXXX XXXX, D/B/A XXXX XXXX not in its Individual Capacity but Solely As Trustee for the XXXXXXXX XXXX XXXX XXXX. 

Please send a corrected IRS Form 1099A. 

Thank you very much for your immediate attention to this IRS reporting matter XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: EQUIFAX, INC.
State: TX
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:
Not able to submit disputes online from Equifax website is always down regardless when I try to do it. 
Incorrect information in my credit file and due to this security questions hard to pass bc these accounts are not mines

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove fraudulent/unauthorized inquiries from my credit reports/files that were not initiated by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: CREDIT ACCEPTANCE CORPORATION
State: WI
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 Credit Acceptance reported on my credit report that I was current and up to date on my payments. On XX/XX/XXXX Credit Acceptance reported that I was delinquent on my account which dropped my credit score tremendously. I contacted Credit Acceptance multiple time speaking with XXXX and XXXX and they both stated that was an error because they only report if you are 30 days late. I'm am currently in the process of purchasing a home and they are also going to pay the vehicle off as to why I haven't paid my current balance of XXXX but both stated that it still isn't 30 days late because my due date is on XX/XX/XXXX and it's only 7 days late due to being paid off when I close on my home. I asked for something in writing just to inform my mortgage company that this was an error and they stated that they were not able to put anything in writing because they don't have the proper format to write a letter and that I would have to dispute it. I'm set to close on my home on XX/XX/XXXX. 

Signed very upset,

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 2021-04-07
Company: Coinbase, Inc.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/2021 I received an email from my account on coinbase telling me there was two withdrawals from one of my crypto coins that took money away from me and the email stated they have collected funds from a failed transfer but the email did not specify when or how much this transfer was for. 
Received another email at the same time from coinbase saying there was suspicious activity on my card and they have to increase the holding time of my funds being able to get back to me. 
Received another email from coinbase also at the same time stating they have to remove my card from coinbase due that type of card no longer being supported. 

I am now unable to buy or sell on coinbase, I can not add any new cards and I can not get to the money I have still in my account. The money has been there for weeks and it says I can only take out a small percentage due to the rest pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: I.Q. DATA INTERNATIONAL, INC.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dont understand why I have this collection on my credit. False amounts being said that I owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: Experian Information Solutions Inc.
State: NJ
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:
HIPAA Privacy Violation In a letter dated XX/XX/2021 I advised the credit bureaus ( XXXX XXXX, XXXX, EXPERIAN ) that I requested validation ( not verification ) of an item being reported to them by XXXX XXXX XXXX. The credit bureaus as well as XXXX XXXX XXXX responded with the items being " verified '' which puts them in violation of my HIPAA rights. XXXX did not validate this item being reported or provide a HIPAA release.

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 2019-10-22
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Multiple names are reporting on my credit reports that are incorrect. My date of birth is reporting incorrectly on my credit reports. 

XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Multiple addresses are reporting on my credit report that is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL 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 2019-09-18
Company: Specialized Loan Servicing Holdings LLC
State: RI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
SLS ( Specialized Loan Servicing ) is not giving the proper credit to principal. This has happened every month since XXXX XXXX XXXX sold or transferred the loan to SLS. I want to know why there is a difference between my calculations and SLS. My calculation for the recording of the XXXX payment, received by SLS on XX/XX/19 is : 27 days x {$290000.00} x daily interest of .000113 - {$1300.00} = {$430.00} the principal amount paid. I only received credit for XXXX, a shortage of {$110.00}.

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 2019-02-11
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hi my name is XXXX XXXX i have a bank account with pentagon federal credit union bank first when I opened my account with this bank they told me u gona have 5 day hold on your account for all your check deposit and i been deposited some checks in my account and one of the check come back I dont know for what reason and i got the call from bank from fraud department and the banker started accusing me that i am doing fraudulent check deposit and we end heated argument and then i hang the phone because she was accusing me again and again she is no one to accuse me without verifying the fect then she call me again and said listen mr XXXX i am going to freeze your account and send all the check back that what she did without verifying the fact and later on few checks which was cleared before that bank said they gon na hold funds till XX/XX/2019 i said ok and today i called then to check my account they said you have to get the bank statement from check issuers bank and letter from bank that show before check deposit statements and after deposit statements i dont understand one thing which of your clients give you access for there bank account to there vender what is bank doing with that money if fund not good send it back to check issuers bank and close my account and if fund are good then give the access to account holder but no they are not doing non of that and just hold ..please help me to get my money from this banking mafia i am not rich person who can afford legal team to fight the case in court i work 12 hr every day to make that money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have worked as a XXXX XXXX sinceXX/XX/XXXX to present. I worked for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX toXX/XX/XXXX and for the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX from XX/XX/XXXXto present. I certified both employers with the PSLF program. I have been making payments on my loans since XX/XX/XXXX without interruptions, deferrals, forbearances, or late/incorrect payments. On XX/XX/XXXX, I received a payment-tracking letter stating that I had made 40 qualifying payments from XX/XX/XXXX to XX/XX/XXXX. This is incorrect. I have made 51 qualifying payments from XX/XX/XXXX to XX/XX/XXXX ( 4 years and 3 months = 51 months ). I made numerous calls to inquire about the 11 missing payments and onXX/XX/XXXX, and XXXX XXXX XXXX  requested an audit to correct the payment tracker. It is now more than 10 months since the audit was requested and I have not yet received the results of the audit.

Although the payment tracker is missing 11 payments, a XXXX XXXX XXXX  agent ( Employee ID XXXX ) told me that following 9 payments are the only payments at issue : 1. XX/XX/XXXX- XXXX XXXX XXXX 2XX/XX/XXXX- XXXX XXXX XXXX 3. XX/XX/XXXX- XXXX 4. XX/XX/XXXX- XXXX  5. XX/XX/XXXX- XXXX  6. XX/XX/XXXX- XXXX  7. XX/XX/XXXX- XXXX  8. XX/XX/XXXX - XXXX XXXX 9.XX/XX/XXXX- XXXX XXXX XXXX  I have uploaded all the documentation I have to XXXX XXXX showing that these payments were properly made. Every month I call to follow-up on the audit and I am told that all missing payments are still at issue they can not tell me when the audit will be complete. There is a Massachusetts law suit brought by the MA attorney general about this same issue. In addition, numerous classmates I have contacted in CA report similar issues with their payment tracker being incorrect and being unable to resolve this issue with XXXX ( despite having documentation showing payments were properly made ). Please let me know if you need any additional documentation.

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: Optio Solutions, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Attempted to acquire written proof of debt as allowed by law. Company refused. Company refusing to take any payment less than the full amount or likewise. Company acting unprofessionally making threats to damage my credit. Company does not appear to be licensed in the state of California under assumed name and company refused to provide licensing information. Company tactics are meant to scare and demean person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: WELLS FARGO & COMPANY
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was involved in online romance scam starting XX/XX/XXXX. This guy named XXXX XXXX XXXX ( fake name ), was in XXXX XXXX and needed money to get out. Asked me to send the money with four different account in cash from the date of XX/XX/XXXX to XX/XX/XXXX. I sent cash as he said it is urgent and cash works the best and faster to save his life. After I sent money, this guy kept asking more and more money. Then, I realized I got scammed. I went to the Wells Fargo Bank branch XXXX XXXX and asked to freeze their account as they took my cash under false pretense. I asked them to reverse the money as they are online predators and criminals. But, the bank told me they can not reverse the money without the account holders consent which they are not going to as they are scammers they already got my cash money. At this point, I think Wells Fargo Bank is harboring criminals doing online scamming and money laundering. I have all the evidence and the money transferred receipt. Despite of that, Well Fargo Bank is not willing to reverse the money. Please help. I try to reach out to attorney general of Nevada, police, and FBI, as well as lawyers. But, no one is willing to help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: EQUIFAX, INC.
State: WI
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:
After my divorce was finalized on XX/XX/XXXX and my ex-husband took full financial responsibility for the mortgage, but before he completed the sale of the condo on XX/XX/XXXX, he stopped paying the mortgage payments resulting in two months of nonpayment on a {$140000.00} mortgage. 

It is now reflected on my credit score and XXXX XXXX has declined to make any effort to rectify my credit score even though I was not legally liable for the mortgage payment per my divorce settlement. 

I have filed disputes with the three credit reporting agencies and provided my court-stamped marital settlement document : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and Equifax ( XX/XX/XXXX ). During their investigation, XXXXXXXX XXXX   confirmed that the mortgage was in my name and the credit reporting agencies closed the dispute. 

Per the marital settlement, I did not have legal authority to conduct or otherwise speed up the sale of the property while my ex-husband was failing to pay the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: MA
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 have reached out to the credit bureaus about negative items showing my credit report and they have not responded in the 30 day time frame based on the FCRA. 

Account Name : XXXX XXXX XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX were all on time. 

XXXX XXXX XXXX XXXX Name : EQUIFAX MORT Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXXXXXX XXXX  Inquiry Date : XX/XX/XXXX Unverified account EQUIFAX CREDIT BUREAU Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX were all on time. 


Account Name XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Unverified account Creditor Name : EQUIFAX MORTGAGE XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX were all on time. 

Also, please remove all non-account holding inquiries over 30 days old and add a XXXX Suppression to my credit file. 

Creditor Name : EQUIFAXXXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX - XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX XXXX account Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Unverified account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Asked for Validation Letter not Verification. Never received validation that this debt belongs 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 monetary relief
Consumer complaint received 2019-02-11
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid off the collection LVNV FUNDING, LLC of {$50.00}, but it is still showing on all three credit bureaus as a derogatory mark due to past late payments. This is hurting my credit score and need it removed permanently. I am in the process of buying a home and this collection is hurting my chances of receiving a loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-07
Company: Experian Information Solutions Inc.
State: TN
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 mailed in a dispute letter to all 3 credit bureaus for Department of EdXXXX to verify that the account belongs to me. They sent me a credit report with no verifying documents, just saying verified. They have yet to send in any proof that the account belongs to me, instead XXXX has made my score drop and my payment history drop. It said one late payment and now it has 8 late payments, ruining my credit and making it hard for me to get approved for things because of this account. XXXX took the late payment ( 1 ) off..made it current then changed it back to late and dropped my score 10 points..they did this twice in one day for a total of 20 points! Today I was notified that it changed to 8 missed payments! Their customer service is horrible to talk to, you can never get anywhere so that's why I went the route of contacting all 3 bureaus and they still didnt resolve the issue and instead of XXXX verifying the account all they did was add late payments and ruin my score more!

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 2023-03-27
Company: Experian Information Solutions Inc.
State: MS
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:
UNAUTHORIZED CREDIT INQUIRIES ON MY REPORT. 

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 non-monetary relief
Consumer complaint received 2019-02-11
Company: EQUIFAX, INC.
State: NY
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 XX/XX/2018, I discovered that my ex husband opened a joint credit card account without my knowledge, which I was alerted to when it impacted my credit score negatively. I filed an Identity Theft Report with the FTC, the 3 credit reporting bureaus and XXXX card ( the issuing creditor ) on XX/XX/18. XXXX claimed to " investigate '' the matter but did so without contacting me at all. Their determination was that the account was opened online without my signature but with my correct personal information, had been open for 4 years so they claim it is a valid joint account, the credit card information went back on my credit report and is again affecting my credit score negatively. 

I NEVER gave permission or consent to be a joint member on this account. I have never used this credit card account, not one single purchase. I never saw one credit card statement that came to the house. This account didn't exist to my knowledge prior to XX/XX/2018. It was opened over the internet, not in person ; there is nothing to indicate I am a willing member of this joint account. My ex husband had my personal information because we were once a couple, pure and simple ; he then used that information fraudulently. I want XXXX to recognize this is legitimate fraud, to remove my liability from this debt and remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: Experian Information Solutions Inc.
State: CA
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:
NOWCOM/WESTLAKE FINANCA 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