BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-16
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
XXXX Your Notice of Default and Notice of Intent to Foreclosure letter dated XXXX of past due balance of XXXX is invalid. Please see XXXX  XXXX XXXX XXXX dated XXXX confirming that all payments have been made on time and the correction requested by XXXX  XXXX XXXX to Specialized Loan Servicing of {$88.00} to complete the misapplied payment correction to our account. No payments have been missed before or after loan transfer on XX/XX/2019. In addition, our credit report for XX/XX/XXXXreported by XXXX  XXXX XXXX has been reported as current. 

All supporting documents are attached. Please correct the misapplied payments, past due balance, and payments history to all credit bureau agencies. 

Thanks

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 2023-07-24
Company: Winklevoss Exchange LLC
State: WA
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 set up a crypto account over a year ago. It is/was linked to one of my bank accounts which funded the bitcoin purchases. I needed to withdraw and sell my bitcoin today to find that I no longer have an account linked to send money to, only able to send money to Gemini. No one home to answer the phone, only a chat bot that suggests multiple reasons my account would be locked, none of which are applicable and nothing specific provided. I emailed support and was told that I need a wallet address to withdraw to, and while I can purchase bitcoin via my bank account, they tell me that I can't withdraw back to my bank account, then provide no service to obtain or set up this 'wallet '. Reviewed online of complaints and clearly Gemini has done this to thousands of people who have put out horrible reviews with same issue. I hope you can only compel a resolution. I am also hoping that you can provide me with some direction aside from hiring an attorney to get my money back ( i.e. crypto overview agencies or other resources that may be able to assist? ) Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identify theft and i have been trying to get inquires and other debt collections off my report for months and no luck and i continue to get credit inquires on my credit report XX/XX/18 XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/18 AND XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX XXXX  XX/XX/18 XXXX XX/XX/18 JPMORGAN CHASE BANK XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX  XX/XX/18 XXXX XXXX XXXX XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: CITIBANK, N.A.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I received notice on my credit report on XX/XX/19. That my credit score was lowered by hundred points from XXXX XXXX and XXXX. XXXX  report showed a 35 point drop. This was because I was more 30 days past due on my Best Buy Citibank Visa card for a {$8.00} dollar balance. I called Citibank and told them I was unaware of the balance. And was not receiving bills and no one from the company reached out to me to let me know of the balance. I ask Citibank to send the credit bureau that this was a mistake. But the company refused taken no responsibility for the mess up. I paid off the {$8.00} dollar balance and closed the account.

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 2017-12-11
Company: EQUIFAX, INC.
State: OH
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 's way too many unauthorized hard inquires on my credit report. Only a hand full of those inquires are actually done by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Associated Credit Services, Inc.
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I have been sent to a debt collector by XXXX XXXX XXXX XXXX XXXX regarding a consumer loan for equipment purchased from XXXX XXXX XXXX systems. I XXXX XXXX XXXX, and I closed my account with both companies in XX/XX/2022. I received written notification from XXXX stating they closed my account and sent the information to XXXX to close my debt and that the equipment was returned. I have contact XXXX  multiple times average once a month since XX/XX/2022, I was told it could take up to 30 days for the information to reach them and the account to be closed. Every attempt to resolve this issue with XXXX has resulted with them hanging up on me or never answering the phone. On XX/XX/XXXX I was on the phone with XXXX and XXXX customer service ( Conference call ) for 48 min. The XXXX XXXX told the XXXX rep that my account was closed and that I shouldn't owe any money, I then informed the XXXX XXXX that they actually owed me money due to them continuously pulling money out of my account for almost a year until I finally put a stop payment on them thru my bank. About a min after I informed them of this the call was dropped. I have now been sent a letter from Associated Credit Services , INC that I owe {$1600.00}. 
Please assist me in this and let me know what else you need from me. 

Thank you very much XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian reporting a account that do not belong to me 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
Consumer complaint received 2018-08-20
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: Account status incorrect

Complaint:
The student loan was opened XX/XX/XXXX in question was put in forbearance/sold to another DOE Servicer and I was told at the time of applying for the forbearance, " don't worry about the late, that the system will catch up and back date the late ( s ) and an update to the credit bureaus, would be made ... just give it some time ''. The account has been showing 150 days past due on Experian since XX/XX/XXXX and 30, 60, 90 late is on XXXX. I cant seem to get the Servicer to communicate to Bureaus to resolve accurately. I have disputed numerous times. I have been working for nearly 4 years to get this resolved to no avail.

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 2023-05-11
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 a 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 XXXXXXXX 1

5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The student loan was opened XX/XX/XXXX in question was put in forbearance/sold to another DOE Servicer and I was told at the time of applying for the forbearance, " don't worry about the late, that the system will catch up and back date the late ( s ) and an update to the credit bureaus, would be made ... just give it some time ''. The account has been showing 120 days past due on Transunion since XXXX although the account was transferred to another servicer as reported with XXXX  XX/XX/XXXX. I cant seem to get the Servicer to communicate or resolve satisfactorily. I have disputed numerous times. I have been working for nearly several years to get this resolved to no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2020 I tried to login into my online banking account with Bank of America. During this process I noticed that the XXXX request to login into the account was not encrypted and my login credentials were passed over the internet in plain text ( not encrypted ). I called Bank of America and was told that they did not have the capability to encrypt the request. This is 100 % false and a HUGE security breach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: ALLY FINANCIAL INC.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have contacted Ally Financial numerous times for a co-singer release. I need my name removed to avoid contact with this person for the safety and well-being of my family and myself. They will not make an exception and remove my name for my safety

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 2020-07-10
Company: BBVA FINANCIAL CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 I attempted to withdrawal XXXX out of my account out of the drive through of Bbva compass and was pressured with questions where did I receive this large deposit from and I said its a sba loan and she persisted to ask me do I have a business and I stated yes you can check with my leader they wanted my application for the loan I contacted sba and they said the only thing I have to disclose to them is my disclosure of my loan because they are XXXX party by law I dont have to verify anything else with them. After I gave them the paperwork one lady called and started asking me a lot of questions and I felt attacked because I was just told I didnt have to tell them all of that my agreement is between me and my lender. I need access to my funds but my account is frozen. I have been reaching out to XXXX XXXX on my complaint with the teller but no help so far. I explained to her that I would be reaching out to you guys and that I contacted sba as well. My thing is the day before I got XXXX out and it was no problem I dont see why its a problem for me to use my own money. They where being prejudice and unprofessional during this entire situation I even complained with the company and this is not my first time going through this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
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: Account information incorrect

Complaint:
This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across three bureaus. Equifax shows XX/XX/2020, and XXXX  has XX/XX/2020 and XXXX  HAS NOTHING CHANGE! Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 

Account Name : XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$890.00}

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 non-monetary relief
Consumer complaint received 2020-10-16
Company: Conn's, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was laid off an unable to pay. I receive 10 calls per day on each phone number on the account everyday. I have communicated with them and attempted to set a payment plan they offered, {$140.00} a month until the account is paid off. They modify what they are willing to accept as a repayment plan and change the terms. The calls continue and Im told they will only stop if I authorize a payment today, not when I agreed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19
Company: Innovate Managed Holdings, LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I originally entered into a contract payment with a local car lot that later went out of business and sold the loan to a company whom I have documented evidence of receiving my full payment of XXXX $ for every scheduled payment to date. But I have received notice of a repossession of my car that I need to get to work if they do not receive an amount of XXXX $ I would like to ask what can be done in defense of the integrity of my career

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have made multiple large payments towards principal over the last several months. Wells Fargo has erroneously applied two of the payments towards regular payments. When asked to reverse these, only the most recent payments were reversed, resulting in an overpayment of interest by about $ XXXX. When this was brought to their attention ( multiple times resulting in several reversals of payments ) the remaining principal has only INCREASED by close to $ XXXX. Despite nearly 2 months of emails and phone calls and countless lost hours, the issue has not been resolved.

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 2020-12-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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:
I was alerted by Bank of America on XX/XX/XXXX of possible fraudulent charges to my Bank of America Travel Rewards card. I quickly logged in electronically and verified that the 10 charges were fraudulent. I was out of town in North Carolina at the time and had my card in my possession. Surprisingly and startlingly, Bank of America denied my claims. I asked them to reopen the case as it was IMPOSSIBLE that the charges were mine. I just received notification that they denied my request again. It is physically impossible that I made the charges or signed for them. No one else was in possession of my credit card. I have received absolutely no proof that they have that I made the charges ... because I DID NOT MAKE THEM. I am frustrated by the customer service on this issue for a bank I have done business with for over 30 years.

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 2018-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports/files that do not belong to 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 2020-09-11
Company: Southwest Credit Systems, L.P.
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On a recent review of my credit reports, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.

Company response to consumer: Closed with explanation