BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
" There should be no monthly payment on an this disputed XXXX XXXX XXXX account if payments are not being made nor if the account is closed or charged off ; DELETE immedately ''

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 2022-12-01
Company: LoanCare, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My house loan contract says if I can pay of mortgage to 20 % of loan value the pmi will be cancelled as long as the the house was accessed to not drop below value. I saved all year to get to this point. I have requested and sent them XXXX $ fee for bpo as they requested. They sent me back an email saying that they refused to even evaluate or to remove PMI because I had not done significant upgrades to the house. Nowhere in the contract is anything mentioned about upgrades. I think this is dishonest and basically theft. The loan is managed by loancare. This is the last email I was sent " Unfortunately, we will not be able to proceed with your request. XXXX XXXX requires significant upgrades in order to proceed because your loan is under two years old. I have attached their guidelines for you to review. You may have to copy and paste if the link if doesnt open. Please be advised that once the loan is two years old, the list is no longer required to proceed. You will be refunded the {$100.00} paid for the BPO. ''

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 2019-10-07
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2019 I thought I was making a purchase safely through my banking mobile account but it went through XXXX and I later found out the company was fraudulent. Company website XXXX ( XXXX ) has been suspended. I lost {$490.00} through XXXX and called Wells Fargo to file a complaint and was told that they cant get my money back because the transaction was completed! Please help me, I thought I was making a safe transaction but it was a scam!

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 2023-02-10
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: EQUIFAX, INC.
State: NY
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:
The following accounts are not mine and need to be deleted from my consumer report. 

The following accounts are against law 15 U.S.C. 1681 602 A states I have a right to privacy.15 USC 1681 604 A SECTION 2 : also states a consumer reporting agency can not furnish a account without my written instructions These accounts are in violation of this law and needs to be deleted from consumer report. 

XXXX XXXX inquiry XXXX XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX inquiry XX/XX/XXXX ACCOUNT XXXX XXXX XXXX OPENED XX/XX/XXXX is not mine.please delete from consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: Lil' Wave Financial, Inc.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX setup to run payroll with Wave Financial ( waveapps.com ) and entered all banking information required for a direct deposit to one of our employees. The direct deposit was supposed to be completed by XX/XX/XXXX. On XX/XX/XXXX, received an email stating Payroll error and while chatting with their representative asked me to re-enter info. I explained the info entered before is 100 % accurate and how re-entering is going to help. Representative told me, that is the only way to see if it works and it will take 1 business day for success or 5 business days for a failure. 

This is not acceptable as the employee do not get any salary and my company money is further locked for 5 more business days. Also, they do not have any mechanism to do a test direct deposit to verify their system works. This should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I was logged out of my coinbase.com account and lost access to it. This was because my phone number was sim swapped and someone got my personal information. I was sim swapped on XX/XX/XXXX and this happened on the XXXX of XXXX of this year ( 2021 ). I had close to {$8000.00} in Bitcoin in my account. I emailed Coinbase.com multiple times but no response has been received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-01
Company: EQUIFAX, INC.
State: AZ
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:
In accordance with the Fair Credit Reporting act : XXXX XXXXXXXX XXXX aka XXXX XXXX In/ aka XXXX XXXX ) # XXXX XXXX XXXX XXXX ( aka XXXX XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In approximately XXXX my wife and I were notified by courier that we are late/in default on our payments and our home is in jeopardy of foreclosure, and we are {$18000.00} behind in our payments with late fees being accumulated daily. Our loan was with Wells Fargo and we had auto withdrawal every month. We were never notified by Wells Fargo of the intentions to sell the loan to another servicer or of the intent to discontinue our auto payments. Their customer service claims a letter was sent. Nothing was ever received. The first we heard of this was when we were contacted by XX/XX/XXXX 

XXXX XXXX XXXX agreed to a 3 month trial loan modification because this was the only option to stay out of foreclosure, which we did successfully and received a mortgage agreement for a rate of 5.25 %. The initial modification agreement showed it would be 4.25 %. We asked for a second review and were denied for an adjustment after the review. 

We have no intentions to default on our loan, nor do we have any intention ceasing making payments. We have always worked hard to keep our credit in good standing. 

XX/XX/XXXX is unwilling to correct our credit, or adjust the rate. There must be some sort of requirement that we were to be properly notified by Wells Fargo prior to cancelling auto pay or changing service providers. 

I have attached the response to our review request which we don't feel is correct.

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 2020-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I have a number of inquiries that do not apply to me on my Credit Report. I reached out to all 3 Credit Bureaus with a formal letter on XX/XX/2020 and I have not received any correspondence since then about the inquiries. I also sent a letter asking them to respond as they have 30 days to do so. I have a copy of the letters I sent on XX/XX/2020.

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 2020-09-12
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have written all 3 credit reporting agencies and also the loan company about this issue over the course of about 3-4 years. I spoke with a credit reporting company last year and they informed me that this would be off my credit and it is still showing up and is incorrect and is causing my credit score to keep decreasing making it hard for me to obtain things and making it hard in me and my family financially. I need this information removed from my credit as soon as possible.

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 2022-12-15
Company: EQUIFAX, 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, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX To Whom it May Concern : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CXXXX 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  XX/XX/XXXX XXXX XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: Credit Services Corporation, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I have a an installment loan with HCS Loans, XXXX XXXX. XXXX XXXX, XXXX, NC XXXX for services from XXXX XXXX XXXX XXXX. I have a promotional loan of {$110.00} per month, for a total loan of {$3100.00}. The promotion expires on XX/XX/XXXX. 

I began making payment in XXXX, XXXX. My payments are made through my bank, XXXX XXXX, Georgia. As HCS will not provide electronic banking information for electronic ( ACH ) payments, I have my bank process a timely check for payment. I have requested this information from HCS, but they have advised me that they want MY bank account information for autopay, and I won't release that confidential information to them. 

For the XXXX, XXXX payment, I had confirmed that XXXX mailed a timely check. On XX/XX/XXXX and XXXX, a representative from HCS called me to inquire about my payment. I had advised them that my bank made a timely payment by check. The representatives, both on recorded lines, advised me that it could take 7 to 10 days to credit my account if payment is made by check. They noted my response to them in my account log. 

On Monday, XX/XX/XXXX, I had received 2 calls from HCS about my XXXX payment. I confirmed with my bank that the payment was sent on XX/XX/XXXX. HCS recorded my statement that day. On XX/XX/XXXX, HCS called me 4 times inquiring about the same payment. Upon my investigation, HCS received it on XX/XX/XXXX ( the due date ) and deposited the check into their account with XXXX XXXX XXXX. The check clearly has my account number, name, and address on it. In my final call that day to XXXX, I was advised to provide them with a copy of the cancelled check, both front and back, and fax it to them at XXXX. I faxed it immediately to them. 

On Saturday, XX/XX/XXXX, I received my XXXX statement from HCS, and it indicates non-payment for XXXX and a late fee of {$35.00} added to my account. 

I had advised HCS in an attached letter when I provided the copy of the check that I will no longer endure any further harassment from them and if they want an electronic payment, they must provide me with the XXXX XXXX XXXX account number and ABA/Transit number promptly. 

All of my account payments and debts are paid timely through my bank, and without incident, so this insane process must stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: LD Holdings Group, LLC
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 status incorrect

Complaint:
XX/XX/2020 we did mortgage covid relief, house sold XX/XX/2020, fast forward to XXXX XXXX tried to bid on house, found that loan depot counted forbearance as late mortgage payments which has stopped our loan completely. XXXX XXXX today we have tried every day for hours to get someone to help since its illegal but nothing and nobody will help us. We can not buy a house due to this. My life is on hold and my lease on rental is up in one month. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: Huntington Debt Holding LLC
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Loan was an illegal tribal loan that has been sold multiple times to non-tribal collection agencies that do not have any legal authority to collect. They refuse to provide anything. They are threatening to take my car and house despite neither being collateral for the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report. 

See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

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 2022-12-01
Company: Experian Information Solutions Inc.
State: IL
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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXX XXXX and XXXXXXXX XXXX XXXX XXXXXXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-03-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: Experian Information Solutions Inc.
State: MO
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:
on XX/XX/2019 i sent a factual dispute letter disputing an account. on XX/XX/2019 i received a letter stating that the account was updated. on XX/XX/2019 I followed up with a letter asking to provide all information used in their investigation. I did not receive a response. On XX/XX/2019 i sent a second written request asking again to send information used to verify and validate this account in their investigation. On XX/XX/2019 i received a letter stating that unless i send additional relevant information to support my claim, they will not reinvestigate this account again/

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 2022-12-01
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: Reporting company used your report improperly

Complaint:
Gave dealer my info to contact me about a vehicle. They submitted my info without my consent.

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 2020-07-25
Company: EQUIFAX, INC.
State: MD
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 several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX XXXX XXXX from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a home and making it impossible to move forward with my life. 

1. XXXX  XXXX XXXX XXXX - balance is showing charged offed ; was {$8800.00}, account number not listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
They are reporting me as being late and now I have a negative mark on my credit report. I have paid on time every month even ahead of time. I am enrolled in autopay. They have taken my credit score down 10pts due to this false negative reporting on my account. My payment is due on 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