BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-25
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: Investigation took more than 30 days

Complaint:
FCRA violations : XXXX XXXX SENT over 12 months ago : XXXX XXXX XXXX, TX, XXXX any Questions pls contact me at : XXXX Please ask XXXX XXXX XXXX send signed documents : verify signature with Notary or one of their Facilities that they Trust please verify signature : Have XXXX XXXX send loan documents to me of Match : XXXX XXXX {$0.00} Closed 11 charge-offs

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
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: Investigation took more than 30 days

Complaint:
I wrote certified letters to all three bureaus to remove all inacurrate data XX/XX/XXXX and todate nothing. 
I am escalating as i know it should not take over 30 days to get results or responses from bureaus. Can you help me please

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 2021-05-20
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: Was not notified of investigation status or results

Complaint:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: Capio Partners, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
in XX/XX/XXXX i had a car accident after that i went to the XXXX XXXX Hospital which is located in XXXX pa to be checked. i had a vailed auto insurance. i have never been contacted about any bills or debt. in XX/XX/XXXX the posted the amount of XXXX on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-29
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: Account information incorrect

Complaint:
Hello, In XX/XX/2018 I received a call from XXXX XXXX credit card stating my credit card bill was 30 day late. Prior to the call I had called XXXX because I was worried I had not received a bill. I was directed to call XXXX. I spoke to someone and they stated I would be receiving a bill in a few days. I had received a bill from XXXX in the past when promotions would alert, if credit card used you will get back 5 % .other wise I would just pay with my dept card. I then logged into XXXX websight for the first time to set up acct. to view for next time. I continued to wait for my bill, so I can set up direct bill pay with my bank. About two weeks I received a call from XXXX bank stating my bill was now late. I stated I never received a bill. The employee stated I was set up paperless billing. I stated I didn't but according to the IT dep. at XXXX the web sight is auto checked when creating XXXX  acct. It auto enters a check mark, if not un-checked you will not receive a bill. The XXXX  bank caller was very understanding about the issue. I made the payment by phone and was also told that the late fee would be waved. I later logged back into XXXX websight and made sure check mark for paperless billing was un-checked. XXXX mo. later I find out it was reported to Experian as a 30 day late. I was never called or alerted that it was late, check marks on paperless billing should not be auto filled. XXXX verified the calls and confirmed recorded conversation but refuses to remove the 30 day late. This is the only bad record in my credit report ever entered in my life. They have ruined my credit for a $ XXXX payment that I never received. I'm reaching out to you in hopes that this can be resolved and 30 day late can be removed from my credit report. Thank you for your time.

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 2020-05-15
Company: Caliber Home Loans, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I called XXXX in XXXX XXXX in WA to try and secure a conventional loan using their physicians loan program. While working with the one of the XXXX branch managers, XXXX XXXX XXXX, told me he would hook me up with a way better loan than XXXX XXXX  could offer because I sounded like a 'good guy '. The manager assured me the both he and his loan guy where once professional athletes, which made them very trustworthy. I was confused by this but decided to give his recommendation a try given how hard it is to buy a home in XXXX, WA, every advantage helps. The person he recommended me to worked for another loan company called Caliber Loans, his name was XXXX XXXX XXXX ID # XXXX. I told him I wanted a physicians loan and he assured me that they offered a physicians loan product so I proceeded to give him all of my financial information and allow him to run my credit. A day later after my credit had been ran the XXXX XXXX informed me they no longer provide a Physician 's Loan program and instead tried to push me towards a jumbo loan with low % down with a second loan at a very high rate in order to fund the first. XXXX lied directly to me about the types of loans he would be able to fund. My wife and I are well qualified buyers and very discouraged by this whole process. This is fraud and I want these fraudsters held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021, Select Portfolio Servicing received our written request under RESPA law. SPS failed to acknowledged our request within the statutory time. As of today we have not receive acknowledgment from the servicer. SPS must comply with the RESPA written request and provide copy of the loan modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since XX/XX/XXXX USAA / XXXX been tacking on unwarranted late fees to my mortgage principal. There have been thirty two such late fees and USAA has used principal only payments to pay for the supposed late fees. The problem with the late fees is i have never made a late payment -- USAA receives an electronic payment from my XXXX XXXX XXXX account for {$1200.00} on the first of each month -- USAA applies late fees after theXXXX of the month. I have spent many hours on the phone trying to get this problem corrected without success. 
Today, XX/XX/XXXX, i happened to noticed a {$62.00} late fee added to my upcoming XX/XX/XXXX payment of $ XXXX that's a late fee on a payment yet to be made. I called USAA and spoke to a supervisor, Ms. XXXX XXXX and she immediately removed the {$62.00} fee. Ms. XXXX provided her direct phone number : XXXX. A Mr. XXXX XXXX responded to a XXXX complaint ( complaint number XXXX ) i made but has not contacted me as promised. Mr. XXXX did not provide his title nor any contact information. I have had two homeowners policies and two auto policies plus the mortgage loan simultaneously with USAA and pay on time and in full. I consider these late fee to be fraudulent and wonder how many other vets this is happening too.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of i tems which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on 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 Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Balance : {$0.00} ' XXXX XXXX XXXX XXXX XXXX .... Balance : {$0.00} ' XXXX XXXX XXXX XXXX... Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX... Balance : {$740.00} XXXX XXXX XXXX XXXX .... Balance : {$1100.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1000.00} ' XXXX XXXX XXXX XXXX XXXX XXXX Date filed XX/XX/XXXX ' XXXX XXXX XXXX XXXX Filed on XX/XX/XXXX XXXX number : XXXX XXXX : XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

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 2023-07-08
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:
Ive identified information and accounts on my personal credit as a result of identity theft. these accounts and transaction were not made by me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I received my credit report from Equifax yesterday credit file dated XX/XX/XXXX confirmation # XXXX a three party consumer reporting entity : XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, GA XXXX is reporting incorrect information on my credit file : Bankruptcy filed XX/XX/XXXX and XX/XX/XXXX needs to be deleted from my credit report immediately. 

This is interring with my able to secure safe and affordability housing. Although this is the second request, it still appears to be on my credit report. 

Enclosed is a copy of a page from the incorrect credit report, letter from the XXXX Bankruptcy Court, and a letter I wrote to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/2021 I am very distressed with this matter. I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not recived a response yet. I did my own due diligence and I know the credit bureas have 30 days to reply back and they havent. I feel like the credit bureas are taking advantage of me by ignoring my disputes I took time to send them. Sectyion 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. Or I will file litigation due to the stress they cause me. My information was impacted by the XXXX  data breach may have got into the hands of the wrong person. I am begging for help at this point.

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 2020-09-17
Company: Sequium Asset Solutions, LLC
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 information incorrect

Complaint:
I had a collection account with sequiem asset solutions. The debt has been recalled. I tried disputing it and they have not fixed the issue. I called in XX/XX/17 and spoke with a manager and request it be removed. She offered if I paid in full they can update it and it will be removed. I confirmed with her that the debt has been recalled and they no longer have collection authority. I asked they why they would keep reporting. They said its accurate along with the balance it is reflectiing. I can not have two accounts trying to collect the same debt. It is illegal. I told her I was upset and just wanted it resolved. She said I was only upset because she is giving me answers i don't want. Please have them verify collection authority if they are continuing to report or delete it asap

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: ENOVA INTERNATIONAL, INC.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Observed on my credit report a company that is trying to collect a debt from me that I did not sign any kind of contract with, and have never received any kind of notification from them and also says the debt was charged off/sold to another company. This collection on my credit report is keeping my score low and is not correct

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX and I agreed to a settlement amount for an account I was listed as a cosigner on. They assured me that the status would be updated with all three credit bureaus to reflect the paid with a XXXX   balance. I spoke with all three credit bureaus who stated that an update was not submitted. I was treated like a tennis ball in a tennis match regarding this matter by them and the credit bureaus. Each one off them begin to blame one another as being at fault for the inaccurate information being reported and reluctance to make the changes accordingly. The amount that is currently reported on my credit reports for this creditor is {$7400.00} with a status of written off as bad debt/collection which is inaccurate.

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 2019-05-29
Company: Experian Information Solutions Inc.
State: NH
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:
This is the error : XXXX XXXX XXXX XXXX I don't have or even never have had an account with them.

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 2021-03-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
PORTFOLIO RECOVERY for XXXX XXXX Acct ending in XXXX is reporting false debt due on my credit report. The account is in good standing - it is part of a Federal Debt Relief Program where the balance was negotiated, and is almost paid off. They need to reclassify and not consider this account a major delinquency when monthly payments are being made on time. I am attaching a letter in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I sent a typed dispute letter to Transunion, for verification on an item on my report and information on the person they spoke with to verify information. They sent me back a letter to say that it was illegible but clearly it was a typed and also typed in a way that a person could read it. I did not submit to e-oscar verification or any other electronic method of verification so I am unsure how a clearly typed letter is illegible.

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 2017-12-23
Company: Big Picture Loans, LLC
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was not expecting to pay for this long I was in need of a few hundred dollars to pay my rent so that me and my children would not be left out in the cold streets of Minnesota. I was not told of the interest when I talked on the phone with the person and was told that I could pay it off in full one I have the chance but it would me less. The interest rate is not what I was told it would be on the phone. once I received the documents the loan was already processed and I could not get out of it. Now I am struggling even more to pay my monthly bills because they are taking out XXXX every two weeks.

Pmt Order Due Date Beginning Balance Principal Balance Payment Amount Interest Ending Amount Payment Status Delinquency Status 01XX/XX/XXXX {$470.00} {$43.00} {$110.00} {$72.00} {$430.00} Regular Current 02 XX/XX/XXXX{$430.00} {$0.00} {$110.00} {$110.00} {$430.00} Regular Current 03 XX/XX/XXXX {$430.00} {$0.00} {$110.00} {$110.00} {$430.00} Regular Current 04 XX/XX/XXXX{$430.00} {$0.00} {$110.00} {$110.00} {$430.00} Regular Current 05 XX/XX/XXXX {$430.00} {$0.00} {$110.00} {$110.00} {$420.00} Regular Current 06 XX/XX/XXXX{$420.00} {$0.00} {$110.00} {$110.00} {$420.00} Regular 07 XX/XX/XXXX {$420.00} {$0.00} {$110.00} {$110.00} {$420.00} None 08 XX/XX/XXXX {$420.00} {$1.00} {$110.00} {$110.00} {$420.00} None 09 XX/XX/XXXX{$420.00} {$1.00} {$110.00} {$110.00} {$420.00} None 10 XX/XX/XXXX {$420.00} {$2.00} {$110.00} {$110.00} {$420.00} None 11XX/XX/XXXX {$420.00} {$2.00} {$110.00} {$110.00} {$420.00} None 12 XX/XX/XXXX {$420.00} {$3.00} {$110.00} {$110.00} {$410.00} None 13XX/XX/XXXX {$410.00} {$4.00} {$110.00} {$110.00} {$410.00} None 14 XX/XX/XXXX {$410.00} {$5.00} {$110.00} {$110.00} {$400.00} None 15 XX/XX/XXXX {$400.00} {$6.00} {$110.00} {$100.00} {$400.00} None 16XX/XX/XXXX {$400.00} {$8.00} {$110.00} {$100.00} {$390.00} None 17 XX/XX/XXXX {$390.00} {$10.00} {$110.00} {$100.00} {$380.00} None 18XX/XX/XXXX {$380.00} {$13.00} {$110.00} {$100.00} {$360.00} None 19 XX/XX/XXXX{$360.00} {$17.00} {$110.00} {$99.00} {$350.00} None 20 XX/XX/XXXX {$350.00} {$21.00} {$110.00} {$94.00} {$330.00} None 21 XX/XX/XXXX {$330.00} {$27.00} {$110.00} {$88.00} {$300.00} None 22 XX/XX/XXXX {$300.00} {$34.00} {$110.00} {$81.00} {$260.00} None 23 XX/XX/XXXX {$260.00} {$44.00} {$110.00} {$71.00} {$220.00} None 24 XX/XX/XXXX {$220.00} {$55.00} {$110.00} {$60.00} {$160.00} None 25XX/XX/XXXX {$160.00} {$70.00} {$110.00} {$45.00} {$97.00} None 26 XX/XX/XXXX {$97.00} {$97.00} {$120.00} {$26.00} {$0.00} None

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
You have illegally been calling my job since XXXX. I have not authorized you to call me at my job or does my company allow it. My company has keep all the records of your phone calls. I will take legal action if need be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-03
Company: Coinbase, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On or about XX/XX/18 I wanted to place a limit order for a trade on Coinbase. I was instructed by Coinbase that I needed to go thru XXXX. I did that and opened an account at XXXX. Since then my Coinbase account has been restricted pending review of my application at XXXX. These people have no clue what they doing. I am locked out of an account in which I have trading assets. the value of trades I have been prevented to make exceeds {$10000.00}.

Company response to consumer: Closed with explanation