BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-08
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have tried to correct inaccurate information on my credit report. However, XXXX  XXXX XXXX XXXX doesn't allow me to dispute it on their website. There's always a technical error for the past 6 months.. This is what the apps says. 
Something went wrong. 

We encountered an error while trying to process your request and your dispute was not successfully submitted. We apologize for the inconvenience. 

You can go directly to XXXX  to file this dispute Return back to 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 2023-05-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-14
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My Equifax and XXXX  accounts vary by XXXX points. I have called equifax several times to discuss the fact that they do not show any of my current credit and they consistently tell me it takes a while for this to happen. Well I have been more than patient waiting around four months and still nothing. One account I can buy a car and the other I cant even buy a candy bar! Equifax also has listed a debt which was paid and was supposed to be removed. I am beyond frustrated!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: EQUIFAX, 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:
There was an account opened on XX/XX/2019 with XXXX XXXX XXXX XXXX with a balance of {$16000.00}. I made payments on this account while trying to get it disputed. As well on XX/XX/2019 another account was opened with XXXX XXXX XXXX XXXX with a Balance of {$20000.00}. I made payments on this account while trying to get it disputed. This is a fraudulent account results of Identity theft. I was told from the company that these accounts were registered in XXXX, XXXX and I reside in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Coinbase, Inc.
State: TX
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 might of been hacked or hacked and have been reaching out to XXXX  support about the issue since XX/XX/XXXX. I lost access to my XXXX phone number that is tied to my coinbase and coinbase pro accounts. I used XXXX XXXX  for XXXX  authentication and when I set that up I saved my recovery key in case my phone was lost, stollen etc. On my new phone I used the recovery key to generate the authentication codes on my new phone but the keys are invalid. I filled a complaint with the XXXX after getting a response via email saying my issue has been escalated and a specialist will be in contact with me within five days. I do not get contacted back about my issue until I sent multiple replies asking why it is taking so long. It has been almost six months and I still can not get access to my account I have had with coinbase since around XXXX or XXXX. The help desk contacted me back finally and asked me to make a temporary account and only upload my ID and take a selfie with my webcam to verify my identity so they could verify my account and add my new phone number. I did this over a week ago, I have done everything they asked of me ; including following all the FAQs. I have sent replies asking about a time frame to update my account and have yet to get a reply back when the help desk specialist said they would.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-16
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Keep getting phone calls from a company wanting to lower my interest rates on credit cards for wells Fargo Chase XXXX XXXX XXXX XXXX XXXX XXXX. I do not have any credit cards. Also was called wanting to take out an extensive warranty on a car I do not own. How do I resolve these issues?

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 2019-02-25
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 fraud alerts or security freezes

Complaint:
On XX/XX//19 I tried to request a hard copy of my 3 credit reports from " XXXX '' and had to call 4 times due to the automated system not " understanding '' or my birth date was requested repeatedly until I had to close the call. Uncertain of whether they had the correct information, I requested to view my credit reports online which I learned never to do again. I am a victim of identity theft and due to too many personal questions when I need to make doctor 's appointments as well as the XXXX disaster I froze my credit reports. I requested to view all three bureau 's reports and was able to view XXXX 's report which was fine but when I requested to view my TransUnion report I was asked security questions one of which was ridiculous. The question was a telephone number I used with a land line for a brief time but it has been ten years since I closed my land line account and use only my cell phone from that time to the present. TransUnion refused to let me view my report on line and " alerted XXXX  to block me. When I viewed my history page I was enraged when I read " fraud alert! Fraud alert! They placed a fake fraud alert online due to one inappropriate question and there was no one to contact to correct the situation who understands XXXX English at their off time customer service number ( this was a weekend ). Today I could not get a number in the USA to speak to a fellow citizen which is outrageous. As an American citizen I truly resent a corporation who hides their phone numbers here in the states. Online all they want is to sell some service I neither want nor need-why waste time with a person they can't make money from??? This is a truly " dark '' moment for XXXX Civilization and I'm aware of it's painful demise. Trans Union was once a lovely company but now they seem to be in hiding. They need to undo any damage they caused with the fake online " fraud alert '' created by an over zealous employee! I had a similar problem with their overseas employees several years ago! they must make USA phone numbers available! No one in XXXX or XXXX who works for them would give me a USA number.I feel abused and the treatment I received was contemptible. An apology would be nice but I doubt that will happen unless I pay for it. Horrible!

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 2020-01-31
Company: CCS Financial Services, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have submitted a certified letter to this creditor requesting validation of this debt and I specified please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. This creditor failed to provide that documentation. The only information they sent was my name, the account number and the amount owed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: ID Analytics, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Please consider this note an official complaint against XXXX , XXXX, due to their lack of transparency and the barriers they raise for customers, like me, who want to get a copy of their credit report, opt out of unsolicited offers, or place a security freeze. 

I hadn't heard about XXXX until today. I applied for a car loan approximately two weeks ago using company makes competition between multiple lenders possible. My credit scores with the 3 main credit reporting companies - XXXX, XXXX, and XXXX - has been between XXXX for the past 3 years or so. So I was surprised to receive a letter today, XX/XX/2018, indicating I was denied credit by one of the competing companies, XXXX, because of a score from a company I had never heard of, XXXX , XXXX. 

My issue is not the score itself, but the lack of transparency and barriers to getting basic information to fix an manage my credit. Upon receiving the letter, I looked up their website and attempted to obtain my credit report ( so I could assess if it was accurate ), place a security freeze ( due to the XXXX  security breach ), and opt out of unsolicited offers. 

While all other credit reporting companies allow consumers to do this online, XXXX, does not. Instead, they required a signed letter with my photo ID, social security number, and a host of other details. I only disclose my social security number in writing once a year, when I pay my taxes. Otherwise, I avoid providing my social security number in writing to anyone, especially to companies I never engaged with or solicited services from. The request for someone to provide information in writing, especially personally identifiable information is an extreme deterrent. It certainly was and is a deterrent for me. Any randomized control trial will demonstrate that. I'm certain XXXX will claim I did not attempt to resolve my dispute with them first. But what XXXX has done is place an unreasonable burden on consumers in order to deter legitimate complaints and disputes. 

Moreover, the XXXX practice of requesting a photo ID, social security number, and a written, signed letter for to access what they recorded about me is absolutely backwards. XXXX does not have a right my data. I do. XXXX does not have the right to place the burden proof on me. XXXX does not have my permission to collect my information, much less disseminate it for advertising. XXXX does not have the right to burden me with fixing my credit. And XXXX does not have the right to make it burdensome for consumers to access the information they collected, or make it difficult to place security freezes. They never asked for nor did they receive my permission in writing.

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 2017-09-19
Company: EQUIFAX, 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:
Unauthorized Inquiries on my personal credit report : 1.XXXX XXXX 2.XXXX 3XXXX 4.XXXX 5.XXXX XXXX XXXX 6.XXXX XXXX XXXX.
7.XXXX  8.XXXX XXXX XXXX XXXX 9.XXXX XXXX  10.XXXX XXXX 11.XXXX XXXX 12.XXXX 13XXXXXXXX XXXX 14XXXX 15.XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was purchasing a timeshare but due to a tragic death of my husband and myself being unable to use it because I was XXXX XXXX XXXX XXXX XXXX XXXXXXXX  I was forced to sell the timeshare. 
After the sale, the timeshare company billed for the monthly charge and maintenance fees. I notified XXXX of the mistake and notified the credit card company, Barclays, of this as well. XXXX said they would notify the credit card company and after I notified Barclays the error was to be adjusted. Barclays never made the adjustments and added late charges and fees and sending a bill each month. I, and family members have made multiple calls to Barclays to get this resolved and have been told it is a XXXX balance and late fees are reversed but they continue to bill each month with a credit and additional fees. 
They have reported my account to the credit burials and have ruined my excellent credit. And they canceled the card, not that I used 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 2023-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
My personal information was used in identity theft I have never applied or signed for any credit cards, insurance or loans which I am disputing. I currently filed with the FTC and local police authorities both have assigned a case and file number to investigate. I discovered the information on my credit report XX/XX/2023 which I notice Capital One Card on my credit report for fraudulent amount XXXX I have called Capital One Card with no resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-08
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Fraud-Unauthorized checking and savings Money mule scheme/identity theft Please contact PNC Bank 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 response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Regions Banks are reporting that account was opened on XX/XX/2015 when this account was declined but was reported to XXXX XXXX XXXX XXXX I have never had an account with Regions Bank and they are reporting inaccurate information that may have other financial institutes decline or refused to extend me offer for the next 7 years. Regions Bank pleae provided all methods used by you to report this as accurate to XXXX XXXX XXXX Account Number 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 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
n accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 and other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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 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 2020-09-11
Company: Credit Service of Central Washington, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Hello. I attended a XXXX  XXXX  school called XXXX XXXX with XXXX XXXX as the teacher. A small class program through her home. My responsibilities as a mother pulled me away from becoming a XXXX  XXXX. My eldest has XXXX and struggles with XXXX XXXX at home and at school. Therefore exhausting my energy throughout the week. I was able to pay the teacher over half of the debt. Over {$5000.00}. Financial circumstances led me to get behind on the debt and it was given to Central Bonded Collectors. I tried to work with them but, now they are threatening suing for more by garnishing my husband 's wages. With attorney XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, WA XXXX. We are on a tight budget that's even tighter now that the pandemic has reduced my husband 's income. I would love all the help I can get to resolve this issue. I've learned that certain debts over six years are too old to collect on. Please let me know what I can do. I'm very busy with schooling my children at home with a XXXX XXXX XXXX but, absolutely will do what it takes to figure this problem out. Thanks so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a notice of servicing transfer from Loancare LLC for my home loan on XX/XX/XXXX and at that time I started making payments through them. Beginning XX/XX/XXXX, I started receiving notifications that I needed to obtain flood insurance for my property. I mailed, faxed and eventually directly uploaded to the Loancare website documentation of current flood insurance held by the HOA ( I live in a condo ) to no avail. The same correspondence kept getting sent. In XX/XX/XXXX I called Loancare customer service and they said that a glitch had occurred that kept my account from being updated and it was fine, the HOA insurance was sufficient and I would receive no further correspondence. 

On XX/XX/XXXX, I received an email that lender placed flood policy had been charged to my escrow account resulting in a balance of - {$530.00}. I called Loancare immediately and was notified that this was a mistake and my account would be adjusted by XX/XX/XXXX. I received a letter dated XX/XX/XXXX confirming that the lender placed insurance had been cancelled. On XX/XX/XXXX, I received a statement dated XX/XX/XXXX noting that my escrow account is now - {$700.00} ( with no explanation how ) and my monthly payments would be increased to cover the overage. I just called LoanCare LLC again and after about an hour of being bounced back and forth between their insurance department and mortgage support personnel was given no explanation of why I received this statement and an explanation that the company had not completed an " analysis '' of my loan to determine how much flood insurance I need. Please keep in mind I live in a severe drought area of central CA and it would literally take biblical proportion rain for a flood to occur here. 

This company continues to harass me with threats of forced placed lender insurance and charges my escrow account at their leisure, without any warning. At no point did they offer me the option of obtaining my own flood insurance ( which I would not need, I only need " walls-in '' coverage and my HOA carries flood insurance on the outside of the property ) and attempted to charge me over twice the normal flood premium with their lender placed insurance. I don't know if I would be even able to obtain flood insurance as I live on the 2nd floor of the unit and technically do not own the part of the building that would be affected by flood. I want LoanCare to cease their attempts to fraudulently place insurance on my loan. 

For what it's worth, LoanCare has a known history of engaging in excessive force placed insurance as evidenced by a class action settlement reached on XX/XX/XXXX. It seems that they continue to persist in this behavior despite the court ruling.

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 2021-04-07
Company: AmeriCollect
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2017, XXXX, {$1200.00}, Americollect is saying I owe them. This debt has been removed off of my XX/XX/XXXX account. Fraudulent information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation