BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-04
Company: MoneyLion Inc.
State: GA
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:
Per agreement with XXXX on XX/XX/19 this company was suppose to remove all late inquiries to my credit report. They still continue to report this account late. I got an alert from XXXX  last week and XXXX  today that they have reported 3 late payments and are still updating this account as LATE. I am attaching the agreement that outlines that these late payments are to be removed from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: MoneyLion Inc.
State: GA
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:
Per agreement with XXXX on XX/XX/19 this company was suppose to remove all late inquiries to my credit report. They still continue to report this account late. I got an alert from XXXX last week and XXXX  today that they have reported 3 late payments and are still updating this account as LATE. I am attaching the agreement that outlines that these late payments are to be removed from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: Experian Information Solutions Inc.
State: GA
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:
fraud the account is not mine never to any school

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 2017-11-14
Company: WELLS FARGO & COMPANY
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
A fraudulent purchase was made on my Wells Fargo credit card on XXXX for {$1200.00} for XXXX XXXX. I have since been in contact going back and forth with Wells Fargo disputing this charge. They have made little effort to resolve this issue. I took the initiative to contact XXXX XXXX directly. After many attempts to reach XXXX XXXX, a representative responded. She gave me the information that the charge was for a gift card, the email of the person, and phone number of the person who made this fraudulent charge. Not only is stealing this amount of money a felony, if they use it to cross state borders it could be a federal crime. The person who made the fraudulent charge had my credit card information ( this card has since been cancelled ) and has my home address information. I believe the person who made this fraudulent charge should be investigated and face criminal charges.

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 2017-11-14
Company: Navient Solutions, LLC.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Pioneer Credit Recovery keeps calling my mobile from phone number XXXX and leaving voicemails. They do n't seem to have any information on me yet they continue to call every day, I am positive this is 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 2020-09-24
Company: Experian Information Solutions 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:
XXXX XXXX is reporting a written off account from XXXX  XXXX  without properly verifying its legitimacy. I have conveyed to them that I do not owe this debt or amount yet they continue to report and refuse to give me the contact information on who, how and what methods they used to validate the information being inaccurately reported.

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 2017-07-10
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I currently have a mortgage serviced by OCWEN Loan Servicing, LLC, for a property awarded to my ex-spouse resulting from a divorce. I am listed solely on the note. The ex-spouse was supposed to make timely mortgage payments as agreed upon in the final divorce decree, the property settlement agreement, and the special warranty deed. In XXXX of XXXX the ex-spouse stopped making the mortgage payment. I was made aware of the default in XXXX XXXX, and began correspondence with OCWEN to have my name removed from the note, and sent them a completed package with the divorce decree, property settlement agreement, and special warranty deed. OCWEN rejected that proposal about one month later and placed the property in foreclosure. In XXXX of XXXX, I again contacted OCWEN and requested a loan modification. I sent in my packet along with all the relevant divorce paperwork requesting a modification or forgiveness of a portion of the balance. I explained that I would pay the remainder of the balance in cash in 60 days. In XX/XX/XXXX, OCWEN rejected that offer. I then contacted OCWEN asking how can I remedy this situation, and the customer representative recommended completing a deed in lieu of foreclosure application, which I did on XX/XX/XXXX. I believe that OCWEN is intentionally rejecting these offers because the property is now valued more than owed, and wants to sell the property out from under me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I received my bill from Care Credit ( Synchrony Bank ) and I thought it was too high. I called the number on my bill and was told they couldn't tell me. What? I have never had a credit card that was unable to tell me what I charged! 
I was told to call the merchant but they didn't know who that was! I tried to get on their website, but just went in circles. Now I am afraid to pay it off after this experience.

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 2019-11-04
Company: EQUIFAX, 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:
EQUIFAX IS A SCOFFLAW REGARDING THE FCRA AND MANY OTHER LAWS OF THE USA.I AM SUING EQUIFAX IF THEY DO NOT PAY ME DAMAGES OF {$10000.00} WITHIN 5 DAYS OF RECEIPT OF MY DEMAND. 
DEPT OF ED LOAN, ACCT XXXX IS NOT MINE, YET EQUIFAX HAS VERIFIED IT MORE THAN 10 TIMES.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: SUNTRUST BANKS, INC.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Counterfeit checks were passed through our SunTrust account XXXX XXXX XXXX. On XXXX/XXXX/2017, ck # XXXX was cashed for {$230.00}, on XXXX/XXXX/2017 ck # XXXX was cashed for {$330.00}, onXX/XX/XXXXck # XXXX was cashed for {$390.00}, on XXXX/XXXX/2017 ck # XXXX was cashed for {$360.00}. These checks were obviously counterfeit with no signatures. I first sat with a bank officer on XXXX/XXXX/2017 questioning why the account balance was so low. I told her I had not received previous month 's statement through the mail. She reset the account so that statements would be received in the future. On XXXX/XXXX/2017, I  received a statement which was dated XXXX/XXXX/2017, and I immediately went to the bank reporting this fraud. On XXXX/XXXX/2017 I received a letter from a Sun Trust Fraud Investigator stating, " we regret that we are unable to honor your claim ''. I can furnish copies of checks and copies of my letter of appeal faxed to Sun Trust, XXXX, this morning. I have filed a report with the XXXX police.

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 2017-07-10
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX has incorrect hard inquiries on my Equifax credit report. They are showing inquiries from XX/XX/XXXX. Inquiries that I did not authorize I do not know what XXXX is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquiries from my Equifax report. The inquiry date is XX/XX/XXXX. I would like this inquiry removed immediately as I did not authorize it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: CORELOGIC INC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I will try my best English : Few weeks ago I could recover from my computer 2 web pages from my home of 24 years : an AVM CORELOGIC Appraisal. In the morning of the XX/XX/2009 the price of our home was {$200000.00} and in the late Afternoon the price was {$180000.00} a drop of {$21000.00} in one day. Before I discovered this problem, XXXX XXXX  give me a HELOC account with {$60000.00} so I start construction in the home and on my business building. Shortly after this story XXXX XXXX close our HELOC account and I could not even pay the construction company. I am sure that XXXX was confused by this numbers and I think the HELOC closing was correct. CORELOGIC will not give me the answer why this happening and I finally run in the Foreclosure and lost my home of 24 years after 7 years in the court, because I could not find the proof what I now recovered. CORELOGIC refer the answer to the lender in my case : XXXX XXXX  who is out of Business. I am asking to recover my {$190000.00} of my home from CORELOGIC. This is not the first time CORELOGIC make internet mistakes and the Banks believe in this AVM System. I also have to ad, that at XXXX   XXXX XXXX XXXX XXXX was responsible For the CORELOGIC Internet. XXXX XXXX XXXX XXXX and CORELOGIC announced the formal separation of the two companies XX/XX/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 2019-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
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:
they are reporting a Delinquent Account but i'm in good with the company i think the report is on my son we are at the same mailing address XXXX XXXX XXXX XXXX XXXX XXXX kansas XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: EQUIFAX, INC.
State: FL
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:
This company is reporting erroneous information on my credit report and negatively affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my civil rights according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This company is reporting erroneous information on my credit report and negatively affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my civil rights according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I withdrew {$10000.00} ( {$9900.00} after fees ) from coinbase.com on XXXX XXXX, 2017, using wire transfer to my bank ( XXXX, checking account ending in XXXX ). Coinbase says they 've been having wire delay issues, but says the issue was resolved on XXXX XXXX. It 's XXXX XXXX today and I still have n't received my money. Coinbase website shows status " complete ''. I reached out many times through customer support ( Coinbase support case number is XXXX ) and only got automated responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
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: Account status incorrect

Complaint:
This account back on XX/XX/XXXX was showing as closed account, Now it is showing as an open account and i was not notified of any update to this account stating it would be reopened. I am supposed to be notified in writing 5 days before that this account would be shown as open and readded to my credit report. Now it is showing 21 late payments when back in XXXX it was not showing any at all. Why is this company readding information and re opening this account status and i was not notified before hand. This company in the past has been known to report inaccurate data and no one will remove this account off my report because of that

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 2021-10-12
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 was looking at my credit report and I see that my credit score is very low. I have no idea why you put this information on my account. I'm shocked. I don't know what should I do with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
My credit report on TransUnion.com show 100 points more then what companies are pulling from the same company

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 2019-06-14
Company: Convergent Resources, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Regarding {$370.00} Balance with XXXX XXXX History : My divorce was finalized XX/XX/XXXX. I was not living at the marital home for a year prior to that date. My ex-husband according to the decree was responsible for the house and expenses. When he moved out 2 years later in XX/XX/XXXX, he decided to not to continue paying the XXXX XXXX bill. 

Dispute : XX/XX/XXXX XXXX XXXX reported the debt using a collection agency appearing as XXXX. I disputed this and submitted my divorce decree. The debt was removed from my XXXX and XXXX  reports. 

Then this year, XXXX XXXX has reported on my XXXX  credit report using a collection agency appearing as Convergent for the same amount ( {$370.00} ) DATED XX/XX/XXXX - Thus negatively RE-AGING the debt ( against the law for those who don't know. ) XXXX was no help in solving this, as they only confirmed with Convergent as to what they already filed. Convergent is standing by their claim that the age of the debt is correct and that my divorce does not 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 explanation
Consumer complaint received 2019-11-04
Company: Thrivepoint Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
RENOVATE AMERICA ( NOW ON YOUR DATABASE AND FILES ) HAS SENT WRITTEN REPLIES IN THIS SITE AND BY LETTERS TO US, BUT HAVE NOT ADDRESSED THE MAIN FOCUS OF OUR COMPLAINTS WHICH ARE THE HIDDEN FEES OR CHARGES THAT WE CONSIDER EXPLOITATION AND ELDERLY ABUSE, FRAUD IN DISGUISE TO CHEAT CUSTOMERS. 
THESE HIDDEN CHARGES ARE AS FOLLOWS : 1 ) DAILY INTEREST CHARGES, 2 ) BONDING FEES BY XXXX XXXX XXXX XXXX  FROM XXXX, CA, 3 ) DOCUMENTATION FEES OF {$50.00}. 
JUST TO OBTAIN OUR CURRENT BALANCES .NO REFUNDS BY DRAFTS AND OR CHECKS AS THEY PROMISED ARRIVED TO DATE OF THIS WRITING. THEIR ESCALATING CHARGES PUTS US IN A NEVER ENDING VICIOUS CYCLE OF ILLEGAL DEBT AND FINANCIAL STRESS AND UNENDING MENTAL PAIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: Experian Information Solutions Inc.
State: PA
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 tradeline is being reported after I have disputed more than 90 day ago. Pursuant 15 U.S. Code 1681 a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. This account was open XXXX XXXX. I filled an FTC report on XXXX XXXX. Pursuant 16 CFR 433.2 NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. I am asserting my right against XXXX XXXX. This contract is fraudulent.

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 2019-04-02
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am trying to get the correct information on my credit report and can not seem to get the credit agency to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: Specialized Loan Servicing Holdings LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage loan is currently serviced by Specialized Loan Servicing ( SLS ). I have tried to obtain a loan modification from the them for many years and was recently was advised that a trial loan modification offer was sent out on XX/XX/XXXX,  which I never received The offer called for monthly payments of {$2100.00}, beginning XX/XX/XXXX with a 280 month term. This is an offer I would have gladly accepted since I am able to afford the payments. SLS advised that the offer was sent via USPS regular mail, so there is no way to track the package. Since I never received the modification offer, there has been a serious lack of transparency in the process, since a single point of contact was never assigned to the case. Per the CFPB mortgage servicing laws, transparency and a single point of contact are a requirement. I am requesting the SLS reset the trial loan modification offer, since they failed to abide by the the CFPB law. Per Indiana Code 32-30-10.5, mediation is a requirement prior to foreclosure, which SLS is trying to bypass as well. Since SLS has set a foreclosure sale date of XX/XX/XXXX, I am seeking your assistance on this 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 explanation