BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I requested escrow be removed since the loan to value is less than 80 %. 
I received a letter from Bank of America stating the reason it was denied. 

I then called and spoke to a manager in escrow named XXXX. He then provided a different reason that was Not written on the letter. 

There is something wrong in that Escrow Department. They send in writing a letter saying one thing ( which is incorrect ) and then when it was pointed out their calculation was wrong, XXXX provided a different reason.

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 2023-01-02
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid in full over the phone by credit card in XXXX of XXXX. I am still receiving collection attempt letters that are becoming harassment and this account has not been removed from my credit report and is negatively affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: Experian Information Solutions Inc.
State: UT
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:
Experian is reporting a debt for XXXX XXXX XXXX on a debt I do not owe, and not mine. I have filed a police report, Case # XXXX. Experian is the only one reporting this fraudulent debt.

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 2021-03-01
Company: Experian Information Solutions Inc.
State: LA
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:
Experian did not send me a validation letter to XXXX XXXX and XXXX  need the original contract with my signature to prove its my debit need it remove off my credit report XXXX XXXX and 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 2022-10-06
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I truly appreciate the Credit Bureaus ' efforts in removing a portion of the accounts that I have been disputing for the past 5 months. However, I see here that the action done by the Credit Bureaus is not yet enough to completely remove the disputed accounts from my Credit File. I am now submitting this CFPB Complain to request to the Credit Bureaus once again to remove the disputed accounts from my accounts completely this time. Under the Fair Credit reporting act section 605b, the Credit Bureaus are required to remove the disputed accounts and information from my Credit file that resulted due to identity theft. As I previously complaint about, I require the Credit Bureaus to send me copies of documents bearing my signature as proof of ownership or any proof of verification from the Creditors themselves. However, I have waited long enough and I never received anything from the Credit Bureaus. I previously sent dispute letters to each Credit Bureau on XX/XX/XXXX, with complete attachments of my personal information as well as the ID THEFT REPORT I received from the FTC. Once again, I am requesting the Credit Bureaus to please remove the following accounts completely from my Credit File : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$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 2023-09-28
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or around XX/XX/2023, I fell victim to two multi-layered scam operations run by a XXXX clone entity which involved me making deposits for a total amount of XXXX USD from my XXXX XXXXXXXX XXXX  account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
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 status incorrect

Complaint:
I paid this collection and agree to deleted from my reports. But they wont remove it from my reports. Saying theyre not allowed to deleted

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 2020-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 numerous credit inquiries listed on my Trans Union, XXXX  and XXXX  credit report. The only credit inquiry that should be listed on my credit report is, XXXX XXXX XXXX/XXXX  XXXX. All of the other credit inquiries listed on my credit report are fraudulent, unauthorized and not my credit inquiries. I should only have 1 credit inquiry on my credit report.

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 2020-09-10
Company: College Ave Student Loan Servicing, LLC
State: SC
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 credit inquires on my account that are inaccurate and did not happen with my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: Consumer Portfolio Services, Inc.
State: MO
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:
An inquiry appears on my XXXX  Credit Report that I did not authorize. Consumer Portfolio Services refused to remove the inquiry on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: Tower Loan of Mississippi, Inc.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
The Company ( Towner Loan ) we have a loan with the payment was due on XX/XX/XXXX. 
We intend to pay it on XXXX XXXX. We are 15 days late. 
They threatened to come to our house and take our belongings until they get their money. 


A little FDCAP Violation for someone only 15 days late!

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 2023-05-17
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:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The Items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/20 I made an ATM Deposit because the Branch was closed due to Covid-19 located in XXXX XXXX, California. I deposited {$2000.00} in XXXX dollar bills. The ATM recorded a {$1500.00} deposit, returned {$200.00} Cash and Kept {$300.00}. I immediately contacted customer service and filed a claim. The customer service rep stated it would take approximately 15 working days to investigate the claim. 

After 15 days I contacted the Wells Fargo Claims Department and I asked when it would be resolved. They stated it would take around 45 days to complete the investigation. Which is not was I informed initially. 

On XX/XX/20 I received a letter that they completed their investigation and they state the deposit for {$1500.00} was correct. 

On XX/XX/20 I called the Wells Fargo ATM Claims Dept. at XXXX to dispute their decision and to request copies of the documents used in making their decision. This was around XXXX XXXX. I was on hold for 1 hr and then was disconnected. 

On XX/XX/20 I called Wells Fargo Customer Service and asked to be connected to the Executive Office. I was connected to a Customer Service Agent at the Executive Office and she took my information and attempted to contact an ATM Claims Banker. She placed me on hold for 5 minutes and asked if I wanted to continue to hold. I stated yes and she left me on hold for 1 hour and 15 min. and never returned to speak with me. So I hung up. 

On XX/XX/20 I then called the XXXX XXXX Branch where I made my deposit and asked for a Branch Manager. The Branch Manager was out for the day and XXXX XXXX, Service Manager said she would expedite my claim with the Executive Office. 

On XX/XX/20 I received a call from XXXX with the Executive Office at XXXX XXXX and he stated that I would have to reopen the claim with the ATM Claims Dept. and ask them to re-investigate. He tried to contact the ATM Claims Dept. for 15 minutes and could not get through and directed me to call them again in the morning. 

In summary I've spent at least over 2 and a half hours with Wells Fargo trying to resolve this issue to no avail. 

I submitted a fax to the ATM Claims Dept. requesting the supporting documents.

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 2021-06-22
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:
I am a victim of identity theft and I have accounts reporting inaccurately on my report. I've contacted the credit bureau about these accounts and received no cooperation about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I have a membership with Experian for pulling my three credit reports with scores which cost {$29.00} per month. I was told that they receiving all of the information from all three credit reporting companies-this is not true, I pulled my credit as a tri-merger three times in the last 45 days and was charged XXXX. Each of these credit report pulls, show that XXXX is reporting only one collection, but I pulled my XXXX report directly from XXXX. That report shows 13 negative medical accounts on my credit report. 

When I contacted Experian 's customer support, they informed me that some times they don't get all the information from the other two credit reporting companies. And that their is nothing they can do, but they will refund me one charge. 

Then the rep tried to shut down my account so that I didn't have access to reports anymore.

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 2022-11-18
Company: EQUIFAX, 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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: EQUIFAX, INC.
State: DE
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:
The problem I'm having is I've contacted Equifax ( via ) phone conversation, letters and through XXXX which is a secured link they sent to me to upload additional information. On XX/XX/2018 I mailed a dispute letter to Equifax asking them to validate the inaccurate items, by producing the original signed contract from all data furnishers and to show the process they take to complete their investigation. I also asked that they not validate any items electronically an addition, I requested that if they didnt verify these items they needed to be deleted immediately, by the rules/ laws mandated by the ( FTC ). The items were things like accounts, inquiries and public record bankruptcies. On XX/XX/2018 Equifax sent me a letter explaining their investigation process, which basically stated that they verify information electronically and uses a third-party vendor named XXXX to validate public record items such as judgments, tax liens, and bankruptcies. This is a clear violation of the ( FCRA ) because all items must be validated by the original data furnisher. On XX/XX/2018 I received the results back from Equifax in which they claimed to have verified all of the items I disputed. On page 3 of the  dispute result letter, Equifax explained that they verified all 4 public record bankruptcies from XXXX. This is where Equifax gets caught in their lie and breaks the law at the same time. I mailed a letter to XXXX requesting that they place a security freeze on my XXXX file. They mailed a letter back stating as of XX/XX/2018, a security freeze has been placed on my file and this would prevent XXXX from releasing my XXXX reports. So even if Equifax didn't want to follow the law mandated by the ( FTC ) and verify all information from the original date furnisher, which in this case is the U.S BANKRUPTCY COURTHOUSE. They lied and said they verified the bankruptcy through XXXX, which is impossible because my file was frozen as of XX/XX/2018. I disputed these bankruptcies along with other items on XX/XX/2018. This clearly shows my file with XXXX was frozen for 19 days before my dispute with Equifax on XX/XX/2018. In addition, Equifax verified all of the items past the 30 days allowed by law. So, all of the items I disputed must be deleted. I will upload the dispute letter I sent to Equifax, along with the items I disputed, the letter from XXXX and the dispute results Equifax mailed back. 

I ask that the CFPB assist me in this matter because I need a higher source to mandate the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-16
Company: Aargon Agency, Inc.
State: NV
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:
Between the dates of XXXX XXXX I made a payment in full to XXXX XXXX. A few days after making the payment in full I noticed and collection agency, Aargon Agency reported the debt and was showing the same debt of {$3400.00} was unpaid. I  contacted XXXX XXXX and they confirmed that they do see that the debt was paid, I checked online and the bill is paid. XXXX XXXX also advised that they would report to the debt collection agency that the debt was paid in full. I went the extra step and contacted Aargon Agency and their representative outright bullied  me and claimed I had to pay them when I had already paid XXXX XXXX. So I gathered all of my proof of payment, submitted to XXXX  and XXXX. XXXX is currently working and investigating the dispute. XXXX  however refuses to remove/update my credit report despite me providing receipts and documentation including payment confirmation numbers directly to XXXX XXXX. I have submitted the dispute twice now with the supporting documents and each representative, the last one by  the name of XXXX in XXXX XXXX who refused to give her last name, stated that XXXX verified the debt with Aargon and therefore they would not remove/update my report despite the fact that she sees the payment confirmations.

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 2023-02-23
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: Northstar Location Services, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This debt is highly disputed. Also, retained attorney for BK filing. Please cease and desist all communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: First Credit Services Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
First Credit Services located at XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX-XXXX-XXXX ) has a client by the name of XXXX XXXX located in XXXX, Tx. First Credit Services attached a debt to my credit report on XX/XX/2015 I have never in my life visited a XXXX XXXX. XXXX XXXX has my a different date of birth than I actually have. They also have an incorrect phone number and address. Both XXXX XXXX  and First Credit Services have failed to remove the {$110.00} from my credit report. I have tried to work with both  companies and it seems like there is not much more I can do one my own to fix this. I am asking the CFPB to please assist me in getting this false claim removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: NATIONSTAR MORTGAGE LLC
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I made a request to Nationstar Mortgage to cancel the ongoing private mortgage insurance. A few weeks after a home inspection by an authorized Nationstar approved appraiser, I received a form letter with a reason checked off that my mortgage balance had not reached a qualifying percentage of the " Original Value '' meaning the contract sales price of the property. I called the phone number associated with the appropriate department at Nationstar and was told that the correct percentage is not computed on the home 's contract sales price but on the amount financed through the mortgage. I believe this to be incorrect and attempted to explain my views to no avail. What is the correct way to calculate a balance subject to the PMI? The contract purchase price of the home was {$400000.00} with the remaining balance of approximately {$280000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : o XXXX XXXXXXXX BANK XXXX XXXXXXXX Balance {$360.00} o XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX 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