BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-22
Company: CUSTOMERS BANCORP, INC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received an alert of two hard inquiries to my credit. I have not applied for any credit cards or loans. The companies the had the inquiries are XXXX XXXX XXXX and XXXX / XXXX XXXX. I could not reach XXXX and XXXX stated they didn't show anything. Contacted XXXX to dispute it.

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 2021-12-01
Company: GOLDMAN SACHS BANK USA
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX XXXX suggested I apply for another card to increase my credit rating. They recommended an Apple Pay card. I was not aware that I had to use this card with the wallet application or I never would have applied for it. 

My credit went down because I applied for this card. 

The card requires me to use my phone. I believe this is an effort by apple to get you to buy XXXX. 

I tried to follow the requests on support and now my phone comes up with an apple pay screen every time I try to use my phone! Support blamed me for this even though I did not write the software. I am afraid this is could cause charges to my card. I want out of this agreement but my credit will be damaged due to no fault of my own! 

I do not know how to undo the changes I made to my phone. No one should be forced into something like this. I called them when I saw that they wanted me to use my phone and they said that they could send me a physical card instead. This was not totally true. I still need to use the wallet on my phone. 

This should be illegal. Why does your credit go down before you even use it???

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
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:
I am filing this report because today XX/XX/20 I was made aware of some accounts on my credit report that do not belong to me. The way I found out was that I applied to refinance my car and I was not able to do so due to these accounts. I have listed all of the accounts names, numbers and balances on this report. I don't know who is responsible for opening these accounts in my name without my permission but I have already filed a police report, contacted the companies and filed a complaint with the CFPB. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I never made any payments towards any of these accounts. I do not have any contract or affiliation to these companies and I have never given them permission to access my credit nor personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: Experian Information Solutions Inc.
State: UT
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:
US bankruptcy court in XXXX XXXX XXXX has wrongfully reported someone else bankruptcy on my credit report who has a similar name as mine. the inaccuracy is showing as a bankruptcy discharged in XX/XX/2011 on my credit and having a negative impact on my credit score. I have submitted documentation from the court to prove that it is not my bankruptcy and experian says that the people who reported the public record shows that it is accurate. which I'm sure the information is correct ... but its on my credit report not theirs. it needs to be removed off my credit report and added to theirs.

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 2021-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This company did not complete an investigation for the fraudulent inquiry on my credit report. I have submitted my FTC report along with dispute letters since XX/XX/2021.

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 2021-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I received a text message about a potentail fraudulent bank transfer through XXXX from my Bank of America bank account to which I responded no I did not authorize. When I responded I received a phone call from a person claiming to be a Bank of America Employee. The fake employee called from the Bank of America customer service line XXXX and said that someone had authorized a transfer of {$3500.00} and that they were with Fraud Prevention at Bank of America. The fake employee then walked me through steps and proceeded to trick me into sending them money via the XXXX  application to their bank account. After I hung up I called Bank of America again and found out that they had not called me and that I had been scammed. When I was transferred over to the real Bank of America Fraud Prevention, they essentially told me they could not help me but they would open a ticket in my name. That ticket number is XXXX. I want help getting my money back, just because I was scammed by someone who claims to be a Bank of America employee does not mean that I should have lost {$3500.00} which is a lot of money for someone of my financial standing. Any help in this process would be appreciated.

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 2020-10-09
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I applied and was approved for a commercial credit account. I was given a reference number to use for purchases before the card arrived in the mail. At the store, this reference number found my account, but was giving errors and could not be used. Corporate employees did not understand the issue when both myself and in store employees explained the issue. 

Apparently the account had somehow been made half commercial and half consumer and would not function despite all attempts from the in-store employees. 

After XXXX hours at the help desk, we decided to try clearing the entire account and starting a new application. The new application was rejected due to the previous 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 2019-07-09
Company: Experian Information Solutions Inc.
State: TX
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:
My complaint is with experian credit bureau i keep dispute items on my credit report and they keep putting things on there from my sons i have XXXX sons with the same name but i am a sr and every time i call to get information about my credit they tell me i had the wrong information and wont let me on my credit file it a shame that i have to look at my credit on XXXX XXXX to see what is on their and then they putting all these hard inquires on my credit that i didnt give permission and i keep asking them to update their information when i apply for credit i ask them to run my credit 1 time and they end up sending it to 40 or 50 people

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 2021-08-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Experian continues to report me as an authorized user on a XXXX XXXX XXXX that isn't mine, nor did I authorize. XXXX  and XXXX have removed it. 

Account 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 2021-08-17
Company: LAKEVIEW LOAN SERVICING, LLC
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Eleven months ago I received a XXXX XXXX package inviting me to refinance using a streamlined mortgage. Last week after what was hardly a streamlined process I withdrew my application. 

This process was the most cumbersome mortgage application it has ever been my misfortune to have been a participant. XXXX XXXX XXXX has made mistakes at every level of this process, including, but not limited to non payment of insurance, for which I was nearly placed in an assigned risk pool. Non payment of taxes for which I nearly had a lien placed on my house. I was insulted and discriminated against. I was asked for cancelled checks which were impossible to produce since I pay on line. I was accused of fabricating the documents. Even though I have had a sterling payment record since it became my responsibility I certainly understand their doubts regarding my ability to pay. They did not ask for income so what was the problem. This is only the tip of the iceberg. I can not believe this of a loan origination company. I also found that my application was the oldest. The only one. Why? The last thing they asked for I needed to produce in ten days. It would have taken more than a month. 

The irony is that I was taking no equity out of the house. With a lower rate and a lower payment it would be easier for me to continue with on time payments. Thereby making me a better risk. 

I thought you should know how XXXX XXXX XXXX  does business. Up to now, we have had a good relationship. Since XXXX XXXX is out of the picture, I have every reason to believe that It it will continue. 
Sincerely, XXXX XXXX XXXX Loan : XXXX XXXX XXXX XXXX XXXX XXXX, CT. 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 2021-02-16
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My wife and I maintain freezes all of our credit report unless we need them open. If so, we open them temporally and then freeze them again. We are strict about this following the Equifax hack, especially after it came out how irresponsible they were with all of our personal data. 

We have decided to refinance our mortgage, and went to lift all 6 of our freezes. The only freeze that can not lift was my wife 's Equifax report. First, their website locked her out without explanation, second, their automated phone system is both very cumbersome and sensitive to background noise which resulted in her being locked out of her account unless she faxed or mailed documentation to Equifax. There is no way to speak to a US based call center, and no expedited process for users needing urgent support. 

Equifax has placed an unjust burden on consumers like my wife and I, and are effectively holding us XXXX in the face of a rising rate environment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Hello Sir/Mam I would like to bring your attention to an issue I have with Coinbase payments that first took place on the XXXX of XXXX 2021. I have been victimized by a multilayered scam operation. The funds were transferred utilizing Coinbase 's services in the total amount of over 10,300 euros. I would also like to point out that on the XXXX of XXXX 2021. I filed a dispute with Coinbase. They did not alert me to a potential scam or fraud, exhibiting that there was no issue with the recipient hence, Coinbase went ahead - and transferred the funds. Knowing that all the checks and confirmations are taking place before every transaction is being carried, these seems to be simply non efficient at all. If Coinbase would have performed a simple online search on scammers, they would have seen all the warnings, bad reviews, and alerts. Due to the fact that there are growing strong warnings against scammers and cybercrimes worldwide, I believe that Coinbase failed with their duty of care at this stage. I expect Coinbase to take full responsibility for my lost funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was on XXXX website looking up tickets for XXXX to XXXX and an American Express offer popped up that if I apply and get approved for the Delta Skymiles card, I would get {$250.00} credit towards my XXXX ticket purchase if made within 30 days of account opening, also get XXXX miles if {$3000.00} in purchases was made within 3 months of account opening. I applied and followed the instructions on the prompt and was approved immediately with a welcome letter. I was given a {$1000.00} temp credit to purchase my ticket then and given my account number to use. I got the card in the mail with {$20000.00} credit line and spent {$4000.00} in first month and paid it in full. I never got the {$250.00} Delta airlines credit or the XXXX bonus miles. When American express was contacted regarding issue via phone on XX/XX/19, I was informed that I wasn't eligible for the offer and they will investigate further. I never received any letter or indication on the prompts that I was not eligible for the offer, especially since they gave me the temporary card number and {$1000.00} to use for my XXXX XXXX purchase. On XX/XX/19, I contacted American Express again and they had completed their investigation and said the same thing again. They could not provide me with any proof that I was not eligible for this offer, then why approve me? My welcome letter indicated no such information of ineligibility, which should have been if the case was such so. This is false advertising and I was scammed into opening their card and paying a higher fee for an airline ticket thinking I was getting credit when I could have bought with another airline for half the price.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
From XX/XX/XXXX through XX/XX/XXXX XXXX XXXX, the holder of my mortgage since XX/XX/XXXXincorrectly reported 4 late payments on my mortgage payment. The attached Trans Union credit report clearly shows that each month there were payments made in the equivalent or greater than the scheduled payment. Each month although payments were made XXXX XXXX reported and Trans Union posted 30 day late payments. This has had a financial impact on me personally due to the significant credit score impacts.

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 2019-05-15
Company: Financial Business and Consumer Solutions.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Two days ago, on XX/XX/2019, I received a letter from FBCS, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX ( XXXX ) requesting a payment of {$430.00}. Their letter stated that my account had been refered to them by a medical office where I receive treatment. They stated that my failure to remit the payment would result in further collection attempts. 

I have verified, with the medical office named in the letter, that I do not owe, and have never owed, this amount and that they have never referred any of my information to FBCS. The medical office requested, and has received, a copy of the FBCS letter for their efforts and records. 

Though this FBCS company has my address and my medical office name correct, it miss spelled my last name as XXXX and does not offer the address of my medical office. If they truly had documentation from my medical office, they would have this information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND A ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRY HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRY AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRY DOES NOT RELATE TO ANY TRANSACTIONS MADE 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 2021-08-17
Company: 21ST MORTGAGE CORP.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Starting in XX/XX/XXXX, when my late husband and I signed the paperwork that we oped to pay bi-weekly the amount of {$620.00} that 21st offered. For 4 1/2 years, we were constately harrassed and verbally abused. When we paid on time bi-weekly, they always said we were late. Then we started paying monthly the amount they wanted to stop the harrassment. Last year in XXXX of XXXX, my husband was working with XXXX XXXX, the company attorney. He was the " go between '' to get a resolution. Finally, my husband agreed to pay them the amount they wanted. He sent a check for {$4400.00} to just have piece of mind. This way we could start with a " clean '' slate. They sent us 3 payments back as in 3 checks. These were full payments we had paid and had cleared the bank. We never cashed them but they backed it out of their system. Now they are saying are behind again. Since XXXX of XXXX when we had a " clean slate '', I have paid a total of 14 payments. In XX/XX/XXXX my husband passed. When I called to let them know in case they needed to death certificate, they LAUGHED! Then they started yelling asking wo is gon na pay. I kept trying to tell them I am. They kept over talking me and kept asking about his kids. Finally I hung up because in my state of mind and still in shock, I hung up. Now they have their attorney involved again. In early XXXX he is wanting a resolution again. He told me they stopped payment on the 3 checks but their paperwork shows they never put it back in. I have all my payments where they cleared the bank. 

Mr. XXXX is now saying he doesn't " remember '' the agreement in XX/XX/XXXX. I do remember because we would NOT pay XXXX for no reason. They are taking advantage of my husbands passing because he can't speak. I remember seeing the check and paperwork in his things. ( I will have to look again ). 

I am having anxiety attacks and on medication now. This constant harrassment plus me trying to grieve for XXXX has got to stop. My doctor told me I am at XXXX level now. Please make this stop. I have read many reviews and this is what 21st Mortgage does.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: Global Payments Check Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
we have a settlement and they wont pay me XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
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:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: JPMORGAN CHASE & 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: Information belongs to someone else

Complaint:
XXXX is showing inquiries on my credit report that i did not authorize and i have contacted XXXX about correct and removing these items.

Company response to consumer: Closed with non-monetary relief