BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-24
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: Account information incorrect

Complaint:
I disputed some in correct information on my credit report. I disputed with Bureau whom verified as account reporting accurately on my report. I sent a follow up letter asking for verification and to ensure proper reporting. This Bureau is not properly following Metro 2 and E-Oscar compliance protocol.

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 2019-01-28
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: Account information incorrect

Complaint:
The information reported by XXXX XXXX is FALSE. XXXX XXXX  was contacted several times to request a payment arrangement on the account due to loss of employment. Please note that as requested, XXXX XXXX was also provided with proof of unemployment. After waiting to hear back from XXXX XXXX ( because there was no response to the letter or the fax that was sent to them ), I then called again and was told that I was eligible for a special benefit program that covered events such as loss of employment but in order to qualify the account would have to be closed. It was my understanding that due to the " qualifying event '' the account was being closed without any further obligation by the consumer. However, the attached letter from XXXX XXXX stated that they EMAILED me a payment plan offer that I did not respond to which again is false. I am requesting to have XXXX XXXX   provide proof of the allege emailed that was sent so that I can have it investigated by XXXX/XXXX. Additionally, I am requesting to have the negative remarks removed from all three credit bureau reports and have the account updated to " closed/never late '' because the account is still reporting as late each month although it has been closed by the creditor.

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 2021-02-10
Company: Self Financial Inc.
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: Account information incorrect

Complaint:
Self Financial, Inc. Is in violation of the Fair Credit Reporting Act due to negligence on your behalf and failure to report accurate and updated information to the credit bureaus. You have failed to update my Self Credit Builder account. This account has not been updated to any of my consumer reports with either reporting agency, such as XXXX XXXX, and XXXX. The account shouldve been closed out on XX/XX/XXXX, and sent to each reporting agency. You have yet to send the reporting agencies anything about my account since XX/XX/XXXX. Within that time I made two ( 2 ) more payments on XX/XX/XXXX, I paid {$400.00} and interest payment of {$4.00}. Nothing has been updated and sent to the reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14
Company: CAVALRY INVESTMENTS, LLC
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: Account information incorrect

Complaint:
Calvary Portfolio is frequently updating my XXXX credit report - showing date reported as most recent asXX/XX/XXXX. According to XXXX this account in question was first reported as a collection account in XX/XX/XXXX. I was alerted by a lender that I had recent collection accounts and determined this was part of the reason. This cost me a lower credit limit, denied credit and limit increase and a denied auto loan. 

XXXX XXXX  is also frequently updating my XXXX credit report - showing date reported as most recent as XX/XX/XXXX. According to XXXX this account in question was first reported as a collection account in XX/XX/XXXX-XX/XX/XXXX. Same as above I was alerted by a lender that I had recent collection accounts and determined this was part of the reason. This also cost me a lower credit limit, denied credit and limit increase and a denied auto loan. 

I disputed this and they responded the information was accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
HSBC STOP SENDING ME MY CREDIT CARD STATEMENTS, AND NOBODY AT HSBC PICKS UP THE PHONE. I'VE BEEN ON HOLD OVER 2 HOURS AT A TIME. THEN THEY GAVE EVERYTHING TO A DEBT COLLECTOR, THAT GAVE ME A NEW STATEMENT WITH OVER {$1300.00} INCREASE ON IT. WHEN I ASKED " WHY '', THEY WON'T TELL ME AND ARE DEMANDING PAYMENT. The DEBT COLLECTOR IS XXXX XXXX : As per my conversation with Mr. XXXX XXXX at XXXX on XX/XX/2019, I had indicated that I need to see copies of the Statements for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, since none were provided to XXXX XXXX. I also need to know why there was a difference of over {$1300.00} on the account from our last statement of XX/XX/XXXX to XX/XX/2019, when the card was not even used. As per my conversation today with Mr. XXXX XXXX, he indicates that I never brought up the issue of {$1300.00} difference. Without this information, no individual can do a proper settlement. This is unlawfully holding back important information regarding about the account. Neither HSBC nor XXXX XXXX are helping with this matter. Mr. XXXX indicated that HSBC will settle at " 50 % '', but 50 % of what? With an wrongful higher number, then ofcourse the settlement will be higher. With a proper number, then the amount would be lower. Note, HSBC has destroyed my credit report, purposely, and the lack of the information requested shows negligence on XXXX XXXX ' part.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
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: Information belongs to someone else

Complaint:
XXXX inquiryon my Experian credit report was not authorized and does not belong to me. Pleas remove XXXX  inquiries off my Experian credit report immediately.

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 2021-10-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a financial statement in the mail from Citizens One. I do not have an account with citizens one. The financial statement at the top says XXXX XXXX XXXX Purchased at XXXX XXXX. There are two transaction on the statement, on for XXXX and one for XXXX. The last four digits on the account are XXXX. I tried to call citizens one yesterday and they asked for my 16 digit account number. I don't know the 16 digit account number because I never opened the account to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: M&T BANK CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a checking account with M $ T bank and enrolled in a bonus promotion of {$250.00} when I meet the following requirement. 

Account Number : XXXX Open an M & T MyChoice Plus or Premium checking account and receive a sign up bonus of {$250.00} when you set up a qualifying direct deposit of {$500.00} or more within 90 days of account opening. Promo code : TL. 

I made a direct deposit on XX/XX/2018 and the bonus has not been posted yet. The XXXX XXXX XXXX customer care admitted that I met the requirements for the bonus. It is been almost 90 days and I have not received the bonus.

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 2019-01-28
Company: SYNCHRONY FINANCIAL
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My brother, XXXX XXXX, is receiving calls to his phone number ( XXXX ) repeatedly from the phone number XXXX saying that they are " serving documents '' to XXXX XXXX ( me ). They are calling once or twice a month for the past 3 months. In additional to my email I attached screenshots of the voice mails they are leaving. Calling back the XXXX number goes directly to some call center saying they are a law firm. They left the number XXXX in the latest email. We have asked numerous times to stop calling and to put on the Do Not Call List and they just hang up. 

Calls so far : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  " This message is solely intended for XXXX XXXX. This is XXXX I'm a courier with the??? tasked??? serving you documents that you will need pertaining to an upcoming court appearance this is my second attempt to locate you at your residence or place of employment to obtain your signature if this is a???? it will resolve and a missed court appearance on your behalf. To stop the process of being served or prevent a missed court appearance I recommend that you contact the filing party at 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 2017-12-08
Company: Experian Information Solutions Inc.
State: NE
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:
Have sent Experian all information according to FTC for identity theft. Including : FTC Identity Theft Report Proof of identity Copy of Credit Report Fair Credit Reporting Act Section 605B Also, included is a local police report Experian received in the mail on or about XXXX/XXXX/2017. I have since recieved a report that one item is not being removed from my report because verified a accurate. When someone uses my identity that info would be my info and would be accurate. I refer Experian Fair Credit Reporting Act Section 605B section ( a ).

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 2019-01-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter in mail from an attorney saying I am being sued by Wells Fargo, it is dated and states a judgement was made for a time I did not have a Wells Fargo account.I had only recently heard of Wells Fargo and opened an account for my husband and I and for my XXXX, .I had no other Wells Fargo account before XX/XX/XXXX.I have proof of everything and the exact dates, it is quite lengthy.I was in an accident in XXXX and could not XXXX for years, I recently started XXXX  in XXXX of XXXX. It was shortly after from when I had opened a Wells Fargo acct.The lawsuit says judegemet was made against me years ago in XX/XX/XXXX. I have no idea what this is about, they said they would garnish all my wages and property and belongings, my family and I have been homeless due to the devastation from the identity theft and me being unable to work did receive any benefits.I was a victim of identity theft more than once and reported it to FTC, I was even a victim of identity theft in my whole background, a lawyer contacted me about the XXXX case that wrongfully accused me as well.Please help me I am finally recovering physically and awakened to these debts I did not make

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 2018-04-14
Company: The Outsource Group, Inc
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have health insurance and I discovered a debt in collections through my credit report. I have a collection showing for XXXX in the amount of {$140.00}. This debt is not legitimate. I have requested debt validation and verification which has not been provided to me. I have also never received anything showing where this comes from. I believe it is an error.

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 2019-01-28
Company: JH Portfolio Debt Equities, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Calling me at my place of employment. I am afraid this will get me fired. I dont think this is a legal way to contact 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 2018-06-08
Company: Specialized Loan Servicing Holdings LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Specialized loan servicing has not sent me modification papers to fill out and I don't even think they are the company that has the right to

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 2018-02-02
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I opened a coinbase account in XX/XX/XXXX. On XX/XX/XXXX i locked my account by typing in the wrong password too many times. It has been a month, i have received XXXX response or update on what is going on and my account is completely locked. I have {$5000.00} in my account with their company and it was used to purchase XXXX Lite coin which is a form of crypto currency. I bought the Litecoin for a est of {$250.00} and since the month in which they have ignored me and not given me access to my account Lite coin has since dropped to {$140.00}, causing my money to evaporate. Coinbase is a company supposedly based in XXXX XXXX. Their response is that they are back logged which is not a excuse seeing how it has now been a month. They brag about how they made Millions of dollars this year, but customers are kept waiting for months for them to address accounts that they have locked. I contacted the BBB, DCA, CFPB, and will be filing a small claims lawsuit on them next week to recoup any assests lost due to unfair business practices in which they are conducting, if my account is still locked. If you can help me please do. After looking into other complaints that have been filed by other customers this behavior with coinbase seems to be rampant and the norm, which should not be allowed by a United States company. I look forward to hearing back from the CFPB on this mattter. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient. 

Tried to auto enroll me in deferment of payments. 

My loan provider has changed multiple times unnecessarly since first beginning payments. 

I have selected an automatic payment option to focus on the highest interest loan first. Worked out fine for a couple months. Now it's not paying the other loans, allowing them to default and causing high fees. THEIR AUTO PAYMENT OPTION. 

Automatically changing my address unless I call them. I haven't moved. I can only assume this is to XXXX people over on their tax deductions. 

Tired of baby sitting them. Grade A corrupt business practices at every turn. Selling all my investments ( my entire nest egg ) to clear out of this debt which is suppose to just be 3-5 % APR but it's just not with all their XXXX. Going to encourage my son and anyone else who's interested in college to steer clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2017 ( all 3 bureaus ) 60 days late as of XX/XX/2017 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX  XXXX {$0.00}

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 2018-04-14
Company: Prosper Marketplace, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX and XXXX is reporting a balance of {$5000.00} with Prosper account. This balance is incorrect. This account has been paid in full and the balance that should be reporting is {$0.00}. I would like Prosper to send the correct balance of {$0.00} to XXXX and XXXX. I would like XXXX and XXXX to correct Prosper account balance from {$5000.00} to {$0.00} immediately based on the federal fair reporting act. This account has been paid in full and is in excellent standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14
Company: Rocket Mortgage, LLC
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:
I have a hard credit pull from the company below on XX/XX/2018. This is not something that I authorized or permitted but it has been showing up on my credit report. While I have contacted this company to have it removed they deny that they have any knowledge of this and will not take action. 

XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: Financial Business and Consumer Solutions.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
FBCS calls me repeatedly at XXXX, despite my numerous requests that they stop. Today, they did it once again by calling me at XXXX and refused to address the issue once I called. This has had a major impact on my quality of life and is taking a toll on my health by waking me at an unreasonable hour.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: ALLY FINANCIAL 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:
Ally Financial has incorrectly reported that I had a past due status which I did not. My truck was completely totaled out by my insurance in XX/XX/2016. They are stating I was late which resulted in my credit score dropping 50+ on each side. I have contacted them and the credit companies.

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 2019-08-27
Company: SUNTRUST BANKS, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I requested information from my mortgage company to provide to NYS Housing Map. 
The application was approved by the state to assist in providing financial assistance for default taxes. 

The state has requested information from the mortgage company and to date has not received it. Once the mortgage company provides the state with the information needed, the state will payoff the default amount of taxes to the mortgage company. 

I have contacted executive services several times and no one will return a call. 
This situation now puts my residence in jeopardy of foreclosure because of the banks lack of information to provide to the state.

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