BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-08
Company: Experian Information Solutions Inc.
State: WI
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:
On XX/XX/2018, I submitted a written dispute to Experian. While they addressed my most of my concerns and removed the accounts that I had no knowledge of, there is one account that I disputed that is still showing on my report and does not appear to have been investigated. While I am certain it is merely an oversight, I do need the account with XXXX XXXX removed from my credit reports immediately. I have contacted the creditor directly and they have been unable to provide any form of debt validation or verification of the debt. For your convenience and swift processing, I have included a copy of my original dispute letter and a copy of my results from XXXX showing that they also deleted this erroneous account from my credit reports after further investigating the matter.

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 2022-12-02
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I had a notification from the XXXX XXXX department  that there was an online transaction that was blocked as it was an out-of-state transaction. 

Then I noticed that my debit card was added to XXXX XXXX XXXX, which I do not use in the first place, as my devices are only XXXX based. Then I saw that there were multiple transactions being done from ATM withdrawals using the XXXX XXXX wallet from my account. 

There are three transactions of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  done on XXXX XXXX. I called the bank and asked them to close the debit card and issue a new one, in addition to removing the digital wallets my card was associated with. 

Then on the next day, XX/XX/XXXX, there were similar transactions made out of a new debit card to which I had no access, but linked to my account. The transactions were XXXX $ and XXXX $ each. 

I specifically pointed out to the Chase team to block the digital wallets and filed claims stating that the wallet used was nowhere related to me. But then, the claims were rejected stating the fact that they were digital transactions made through a tokenized system. 

The point here is the transactions were not made by me and the bank has a pretty poor response that it was not their responsibility. I feel scammed by the bank as it was supposed to have better security.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-07
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My account can not connect to XXXX XXXX, XXXX, XXXX XXXX. Why are these restrictions on my bank account?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: BBVA FINANCIAL CORPORATION
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX/BBVA USA add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authori zation Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: EQUIFAX, INC.
State: HI
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 made two separate complaints to XXXX  and Equifax about information being reported twice from the XXXX XXXX  since early XXXX closing date. It shows that I HAVE TWO MORTGAGES with XXXX, which absolutely incorrect. Im receiving phone calls and correspondence about one mortgage loan being past due and contacted XXXX XXXX  and nothing has been resolved? The reported balances is {$280000.00} and the other {$270000.00}, which makes it appear on my credit report as over extended credit. Please let me know how to correct this error on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
These are not my accounts. Please remove them.

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: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of 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 2023-05-16
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Relocating to a different state, looked to rent a house. Been denied to few of them, finding out, that our credit score went down from over 800 score to XXXX never been informed about this changes. Would like to know reason why our credit score lost over 100 points. We are seniors, in the XXXX 's. So, please help us to solve this issue. Thank you. XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
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 are 3 hard inquiries on my reports from Bank of America, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not apply for any credit cards. I spoke with Bank of America. The credit application has all my personal information but is using a different phone number and possible different address.

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 2019-06-18
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These companies have fail to removed these hard inquiries on my XXXX  reporting before XX/XX/XXXX and its XXXX of XXXX and most of these items still showing up as a hard inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: Walwick, Inc
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have received calls on an almost daily basis from XXXX XXXX XXXX  about a debt I should not owe. In the fall of XXXX, I was injured playing a XXXX Volleyball for my university- XXXX XXXX XXXX XXXX XXXX XXXX PA. Since my insurance ( XXXX XXXX XXXX ) was based in WA and I attended school in PA, my insurance recommended I go to the ER so that I could be covered for an XXXX if the doctor deemed it necessary, which they did. I have the documents from the Doctor explaining his thoughts on the injury. The Hospital administrator was on the phone with XXXX XXXX XXXX trying to get the authorization that night but they assured him it would get covered eventually and a few days later it was cleared so I got both tests done. A month later, I was injured again and my insurance decided they would not cover the new XXXX and were going to back out of paying the first one too. Since I had secondary insurance as an athlete ( Through XXXX XXXX  XXXX ) I submitted my claims to both ( XXXX XXXX XXXX and XXXX XXXX XXXX ) so that XXXX XXXX could deny it and then provide an EOB so XXXX XXXX  XXXX could Approve the coverage. The Hospital ( XXXX XXXX ) refused or chose not to bill my insurance in the proper order, meaning that I had to call several times a week ( including calls to XXXX XXXX XXXX and XXXX XXXX XXXX ) to try to get it sorted out. After months of calling, they were able to properly bill my primary and secondary insurance on some smaller charges but still did not do that for the larger amount, regardless of how many times I called. Each of the places I called would all point to the other as the source of the error. For about 6-8 months I did not receive any communication from the Hospital and assumed the bills had finally been distributed properly. Apparently the Hospital decided to send my debt to a collector without my knowledge even though they were at fault for not billing the insurance in the proper order, which I gave them numerous times. Now I get pestered by XXXX for a large bill I should n't even owe. They have told me that it will damage my credit multiple times and have even found a way to contact my family members without my permission or knowledge.

Company response to consumer: Untimely response
Consumer complaint received 2018-09-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon reviewing my credit file to determine the status as well as cause for the status, I noticed several companies that I have no recollection of having any business nor having had/sign any contracts with one being Portfolio Recovery. As you questioned, yes Ive attempted to rectify the issue on my own by 1 ) requested validation via the credit reporting agencies directly on XX/XX/XXXX ... the  responses I received were verified except for XXXX who to date, has yet to respond ( I have sent them an additional follow up on XX/XX/XXXX ). I then took it upon myself to contact them ( Portfolio Recovery ) directly on or about XX/XX/XXXX ( attached ). I also pointed out in my letter to them that as per Florida ( where I live ) state licensing that per my credit file, they started reporting this information prior to their current licensing being in active status. They responded providing me with minimal details received from the original creditor ( XXXX XXXX w/whom I currently have an active account ) when they purchased the file XX/XX/XXXX ( as  per their letter which is also attached ). On or about XX/XX/XXXX I followed up to their response advising that while I received their correspondence, I received nothing VALIDATINGanything. They simply replied that they already responded ( attached ). Im simply seeking assistance in getting this matter resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-30
Company: AES/PHEAA
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 status incorrect

Complaint:
After dismissing an adversary proceeding XX/XX/18, I was told by attorneys including AES attorney that they would work with me regarding paying back loan. I am currently unemployed. AES only agreed for reduction of payments for 9 months MGRS which is not helpful. The interest accumulates. I have other private loans. I asked for another solution and AES said nothing else was available. My loans went back to XXXX Bank  the original lender. XX/XX/18 XXXX offered forbearance but the form had to be mailed to me. XXXX XXXX XXXX from XXXX put account on hold waiting for forbearance. I filled out the form and faxed it to AES on XXXX as I was advised to and was told again by AES that forbearance was not available. XX/XX/18 received letter from AES that forbearance was approved. XX/XX/18 spoke to XXXX and told her my credit report was showing delinquent but my loans were in forbearance from XX/XX/18 to XX/XX/18. I am constantly given the wrong information by AES even though they escalate the call. I was told by AES that XXXX bank didn't know that I had no options available.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX AND EXPERIAN HAS SOME ITEMS ON MY CREDIT REPORT. THAT ARE INACCURATE/NOTMINE/FRAUD. THAT THEY REFUSED TO REMOVE OR DELETE.

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 2019-06-18
Company: SUNTRUST BANKS, INC.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I signed up with XXXX XXXX aka XXXX XXXX to bid on a XXXX XXXX XXXX, they charged me a deposit for bidding on the vehicle of {$900.00} enabling a maximum bid limit of {$9000.00}. 

Enclosed are bidders IPs etc XXXX XXXX XXXX and XXXX repeated bid my bidder account past all other legitimate bids of {$7000.00} up to may max allowed limit of {$9000.00}, No other bidders than my bid via XXXX XXXX XXXX the Vehicle up It bid up my own bids fraudulently. 

I tried to resolve this with XXXX and XXXX to reduce the price to the proper last legitimate bid of {$7000.00} but they refused. 

I refused to honor the shill fraud bid with Fees from XXXX and XXXX added up to {$10000.00} they are theives XXXX XXXX then kept my deposit of {$900.00} for a relist Fee for Car I filed a dispute with my bank Suntrust and they declined the dispute This was fraud I should be protected from fraud via the terms of my Visa account I have fraud Fraud theft Complaints on XXXX and XXXX with various law enforcement agencies FTC, FBI, Stage AGs and Florida Auto Dealer License

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 2021-09-02
Company: Nelnet, Inc.
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
FIRSTMARK took over our 8 loans ( XX/XX/2021 ) when XXXX XXXX sold our loans. We have twin daughters, XXXX XXXX XXXX and XXXX XXXX XXXX. We, XXXX XXXX and XXXX XXXX XXXX, parents and co-signers. Account Numbers : XXXX and/or XXXX and/or XXXX. Payments made : XX/XX/2021 {$30.00} & {$450.00} & $ XXXX XX/XX/2021 {$480.00} & {$430.00} /XXXX XXXX XXXX {$480.00} & {$430.00} / The process has been ridden with errors and misinformation, Our on time payments were reversed when FIRSTMARK used former banking info from 6 years ago. We did supply FIRSTMARK with the correct banking intuition, I have called to make payments and also made payments at the FIRSTMARK website. We are being inundated with phone calls and e-mails from FIRSTMARK requesting payments. I have answered all calls, given each FIRSTMARK rep the correct/updated info. Our credit rating is being affected. We want to manage these loans, make payments on time, receive and give the correct and updated information. I have e-mailed Firstmark, phoned customer service, waited on hold, reached out for help and have had NO RESPONSE from FIRSTMARK. This company has called me over and over and over again requesting a payment that was MADE ON TIME. The calls are all recorded, please listen to me explain over and over again, request a supervisor to correct or ask for help.. I have requested paper statements, told were not available to print and send. No person has ever called or reached out to us XXXX XXXX, we never had a problem with, Firstmark has the worst customer service I personally have had the misfortune to work with. We have made three payments to Firstmark since XXXX of just under {$1000.00} each month. No action has been taken by Firstmark other than to continuously call and e-mail. Also, there are statements dated XX/XX/2021 for a XXXX XXXX, XXXX XXXX, in New Jersey. This is not me. This entire process borders on harassment. Please I need help. I thank you for your time. Please advise if you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: Home Point Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello I refinanced my mortgage in XX/XX/2021 and my new service provider became Home Point Financial Corporation ( a/c XXXX ). In a welcome letter Home Point encourage me to register my account online at hpfc.com where I can among other services schedule my mortgage payments. 
I did so on XXXX XXXX as my mortgage payment is due on XXXX XX/XX/2021. 
While I have no problem registering my account online, my payment capabilities were suspended, not sure why. 
Contacted Home Point on Monday XX/XX/2021, but still was denied without any particular reasons. 
Was offering to pay over the phone, but I was not comfortable to provide my financial information over unsecured phone line. 
The only option is to pay via bill pay through my bank, since I don't have any available checks to send, and since I was intended to added an additional principle payment this will cause a financial harm, not to mention I feel that Home Pint discriminate against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I wired money to my coinbase account from my XXXX XXXX XXXX account. One {$2000.00} wire transfer and one {$3000.00} transfer. The money was stolen from my coinbase account and sent to someones XXXX  waller. I have called and reported several fraud and unauthorized charges with coinbase and was told there is nothing they can do. I was told to contact the beneficiary directly. I have not been able to recover any if my money especially when someone hacked my account and stole all my money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is XXXX XXXX who is submitting this CFPB complaint myself. This item is reporting late, yet it is closed and the balance is zero as reported in Transunion. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( 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 2023-05-12
Company: Experian Information Solutions 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:
I was never late on the account listed blow. please show me documentation showing proof of transaction showing that I was ever late to support your in accurate reporting on my account. if you can not supply this please delete this allegedly late payment from my credit report. the reason for my dispute is that this is a invalid late payment The FCRA allows 30 days for this to be rectified. 

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 explanation