BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells fargo removed $ XXXX from my bank account. I have been given different information regarding where the funds are.

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 2019-04-03
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I am trying to work with PNC. They are impossible to work with on my home equity line of credit. First and foremost, this loan was put into bankruptcy. I tried to call them numerous times in order to get a statement. I never received statements from them, and all of a sudden I receive a statement for XXXX plus dollars. I paid them XXXX a month for over 7 years, because they never stated what they wanted to be paid. 
I called them and asked for a hardship package. They sent it to me. I filled out the paperwork, and almost IMMEDIATELY, they send me a letter saying my line of credit is charged off. Even though after the bankruptcy they sent me an astronimacal amount to pay. They never give me any statement, even when I go into the bank to pay. 
Every other bank sends consumers statements stating that this statement is for INFORMATIONAL PURPOSES only, but they won't give me anything. 
Finally, on their application p 13/17 I authorized XXXX XXXX to speak on my behalf. Of course, when she calls, they tell her she is not authorized to speak. What is the purpose of having this page if no one even acknowledges that the person is authorized and they have to spend 20 minutes trying to get someone to speak to her.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: General Motors Financial Company, Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
THE LENDER OFFER DEFERRED PAYMENTS FOR A ( FEE ). THE LENDER FAILED TO INFORM US WHEN ACCEPTING THE OFFER THAT IN THE EVENT OF A TOTAL LOSS ANY GAP CLAIM WOULD BE DENIED. WE HAD AN ACCIDENT XX/XX/XXXX RESULTING IN A TOTAL LOSS AND WHEN I CONTACTED GM FINANCIAL TO INFORM THEM I WOULD BE MAKING A GAP CLAIM THE REPRESENTATIVE INFORMED ME THAT IT WILL BE DENIED DUE TO THE FACT WE ACCEPTED THEIR OFFER OF DEFERRING PAYMENTS ON THREE SEPARATE OCCASIONS. I ASKED WHY WAS THIS NOT DISCLOSED BEFORE AND I WAS TOLD THEY HAD NO WAY OF KNOWING I WOULD BE IN AN ACCIDENT. XX/XX/XXXX THE GAP COVERAGE WAS DENIED AND GAP INSURANCE CANCELED. MY INSURANCE MADE A PAYMENT OF {$8600.00} LEAVING A BALANCE OF {$2600.00} I CALLED GM FINANCIAL AND AGREED TO PAY ANY LATE FEES BUT REQUESTED THE REMAINING BALANCE BE WAIVED DUE TO THEIR FAILURE TO DISCLOSE INFORMATION THAT WOULD FINANCIALLY IMPACT ME. HAD SPEAKING TO SOMEONE WAS VERY DIFFICULT AS THE REPRESENTATIVES HAD NO TRAINING ON HOW TO HANDLE THE MATTER AND WOULD CONSTANTLY INTERRUPT ME AND TALK OVER ME. I WAS HUNG UP ON AND HAD TO CALL BACK A TOTAL OF FOUR TIMES TO GET A SUPERVISORS VM ( THAT NEVER CALLED BACK ) I WAS TOLD TO WRITE A LETTER WHICH I DID XX/XX/XXXX AND THE FOLLOWING MONTH CALLED BACK AND SPOKE WITH XXXX ( ID XXXX ) WHO TRANSFERRED ME TO HER SUPERVISOR XXXX XXXX  VM ( STILL NO CALL BACK ) I REACHED OUT TO AN ATTORNEY AND SUBMITTED A LETTER WHICH HAS NOT BEEN ANSWERED. OUR NEXT STEP IS TO FILE WITH SMALL CLAIMS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I dont know exactly what date but I dont know why they are contacting me when I have my Social Security number which is an account number and they still try to collect from the Individual

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX requested a credit limit increase on XX/XX/2018 and below attached will be the reasons for the denial in the letter provided by XXXX stating " Past and or Present delinquent credit obligation as reported by agency bureau reports. '' XXXX XXXX XXXX had items negatively reporting due to a mistaken identity ( similiar name ) in XXXX of 2018. These item 's were disputed and removed. But yet these item 's are reporting still to XXXX XXXX XXXX 's lenders. Please investigate and have this resolved. Below will be a copy of the denial letter, along with current copies of XXXX XXXX XXXX 's transunion credit report. And a fico snap shot of where his score dropped in XXXX due to the fraud on his credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
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: Problem with personal statement of dispute

Complaint:
There are hard inquires which I did not authorize. 
I requested investigation, but they never started investigation. 
Want to finally fix this error

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 2017-12-02
Company: Sortis Financial, Inc.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received a " Monthly Loan Statement '' from Clear Spring Loan Services each month for several months stating I have an outstanding principle balance of {$70000.00}. This supposed debt/loan is not identified in any way and is addressed with an incorrect middle initial. I have absolutely no outstanding debts that are not current and that I am not fully aware of. Therefore, this loan either belongs to someone else, is a fraud/scam, or is an attempt to collect a debt that has been paid/discharge. 

Despite the fact that I expressed this to Clear Spring in writing one month ago, I just received another Loan Statement dated XX/XX/2017 and have received absolutely no response to my concerns. I would like this practice to stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: CAPITAL ONE FINANCIAL 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:
I did not authorize anyone employed by CAPITAL ONE USA NA OR ANY OTHER COMPANY, and including the agency copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts I got, and placed a security freeze to my credit file. XXXX is the only out of 3 agencies that have not put the freeze as requested, that both XXXX and XXXX did, and this in addition to several other inquiries started after the XXXX data breach publicly known. I am a client from Capital One but this multiple inquiries were not authorized on XX/XX/2019 and XX/XX/2019.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-03
Company: EQUIFAX, INC.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am trying to dispute a collection debt with EQUIFAX, but it seems they do not have my credit file ..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I SUBMITTED A REQUEST TO REMOVE BANKRUPTCY INFORMATION THAT IS INCORRECT ON MY CREDIT REPORT. I DID NOT FILE BANKRUPTCY, A LETTER WAS SENT SAYING THAT THE INFORMATION WAS VERIFIED BUT THERE WAS NO PROOF THAT THE INFORMATION HAD BEEN CHECKED AN VERIFIED.

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 2018-12-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently made some changes to improve my credit score. I started monitoring more and noticed a calculation error on Equifax 's website. I paid down my debt to 25 % which is correctly reflected on the report. However, the score is still under XXXX. 

When I go to the score estimator, for some reason it's scoring my information with a 45 % credit card utilization. If I adjust their score estimator to reflect 25 % ( as it shows on the actual report ), it says my score range should be 708-728. To some creditors, that's a big difference. I don't know where they are even pulling a 45 % utilization value. Please see the attached screenshots. 

I have tried calling Equifax several times in the past few months and they think I'm trying to change my score. I just want it calculated correctly, and it looks like a calculation error. 
If it's happening to me, it's happening to a lot of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: Coinbase, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Late in the evening on XX/XX/XXXX and first thing in the morning on the XX/XX/XXXX I am still unable to make purchases through Coinbase. It says my account is XXXX and I was making purchases earlier this week without any issues. How convenient that the system was down when the price was down and how convenient the system was down when the price was up

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 Identity Fraud. I reviewed a copy of my credit report and ( XXXX XXXX XXXX  XXXX and XXXX ) ran unauthorized credit inquiries on me on, XX/XX/XXXX and on XX/XX/XXXX. 
I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as violation of my rights to privacy. Ive reported this to the XXXX Police Department. Please contact ( XXXX XXXX XXXX  XXXX and XXXX ) and investigate such occurrence.

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 2019-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 checked my credit report and noticed that I had 4 Hard Inquires so I called the XXXX XXXX XXXX XXXX XXXX, I called the company and the rep. told me that XXXX XXXX ran my Credit on XXXX. I never gave this company any authorization to run my credit I was never in the store, I spoke with a finance manger XXXX, and he said that my son told them that I have him authorization, I told him that was not true and I will like for it to be deleted of my credit and he said he would do it because by son said it was ok, I also notice that they ran my credit with another company 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 2018-12-05
Company: Experian Information Solutions Inc.
State: ID
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:
Account XXXX XXXX XXXX wasn't paid late. Under the Fair Credit Reporting Act, unverifiable accounts must be removed. I requested XXXX   to make the necessary corrections but I did not get a reply. CFPB please help me out and correct this 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 2021-04-11
Company: EQUIFAX, INC.
State: MD
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:
There is incorrect information on my reports with Equifax and XXXX pertaining to date reported or status date on four accounts that were included in a Bankruptcy last year, XXXX XXXX. These dates are very important in calculating my credit score. The accounts in question, have been improperly re-aged as a result of a dispute through the above mentioned credit bureaus ... the accounts took the derogatory status XXXX XXXX when I filed for XXXX XXXX XXXX My credit report lists the dates more recently which appears to credit models that I had a recent derogatory event, when in fact there hasnt been any derogatory events since filing the bankruptcy. Im in the process of rebuilding my credit and these mistakes are preventing my credit score from improving..When I disputed this information with XXXX they were able to fix the errors internally, and my score improved significantly and immediately. The accounts with the incorrect information are XXXX XXXX, which reports XX/XX/XXXX, XXXX separate XXXX XXXX accounts with date reported as XX/XX/XXXX, and XXXX XXXX XXXX which list date reported as recent as XX/XX/XXXX. All of which should have status date or date reported as XX/XX/XXXX, because that is the date the accounts took the derogatory status, not any time recently. I reached out to Companies to update this information with no success. Additionally, Ive disputed with the bureaus multiple times without success, each time the status dates or date reported are showing even more recent.. This is really affecting my life.. as Im actually eligible to get a home loan while going through my XXXX XXXX, but again due to the erroneous reporting, my scores are not improving.. Please help me resolve this matter.. I only want the correct information to show.. the accounts took the derogatory status more than a year ago.. The only bureau reporting correctly is XXXX Filing this complaint is my last hope to get these errors fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX of XXXX an aggressive and violent tenant, one whom has made multiple physical threats unprovoked and constantly had a man with a known violent criminal record stay with her committed assault and battery against me. The police were called, I had open wounds on my face from where I was clawed and recommended to go to the hospital. I wrote the apartment, XXXX XXXX, a letter and presented proof of the violent assault that took place. As over half a dozen noise complaints had been filed, police have shown up to their residence for unknown reasons, often needing to knock the door down, the threat was forseable. XXXX XXXX violated the terms of our lease agreement and not only failed to provide a quiet and safe environment, but acted negligently in allowing the situation to escalate despite ours and others warnings. Office manager XXXX XXXX agreed. I moved out completely on XX/XX/XXXX and was asked to pay for both XXXX and XXXX rent amounts. As the contract was legally void I offered to not sue for negligence and pay a pro rated amount until XX/XX/XXXX. The keys had been returned to them on XX/XX/XXXX when the incident was reported. I am XXXX and did not leave my apartment unless absolutely necessary. 

I have not heard a single thing, received for any mail or email or evening phone call since. As of XX/XX/XXXX there is a {$1200.00} collection on my 3 credit reports from FAIR COLLECTIONS & OUT with the only information provided being the name and the amount listed as derogatory. 

With absolutely nothing to go on I disputed with the three credit report agencies and they directed me to file a report with the FTC. I have done all that I was asked to, sent a letter on XX/XX/XXXX to the debt collector that was generated by the FTC. By this time I had found an address after XXXX the information. No email or phone number were provided to me to this day. 

They have not reached back out to me, but they have responded to the disputes I filed with the reporting agencies regarding their accuracy and requesting information be sent to me at my provided home address. 

They added an account number and date of first delinquency : XXXX ; XX/XX/XXXX. 

The letter is very detailed and in each dispute I made with all three credit reporting agencies I made it clear I have never been notified of any past due amount, sent a bill, or contacted about this. 

XXXX XXXX employees have been a nightmare to deal with when I did live there. After my last contact with them I do not want further contact, and will have to sue for Negligence and fraud by early XXXX if no one will actually verify they contacted me, or made any attempt to contact me as if they had I would have responded before this became a legal issue I cant afford with this epidemic living in 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 2019-04-03
Company: CHECK INTO CASH INC.
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Called and said I owed check into cash XXXX $ and XXXX XXXX XXXX out of XXXX, tx. Stated they were going to file felony charges at the end of businesses today. I would face up to 2 years In jail and a warrant would be issued. They refused to provode any written communication or validation of the debt. They also refused to provide an address for the business. They called my father in law and told him I was a criminal. When trying to further communicate with the business I was told my only option was to pay or go turn myself in.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: Colony Brands, Inc.
State: IL
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:
On XX/XX/2018 notice XXXX XXXX balance of {$260.00} stating I owed on my XXXX, XXXX, and XXXX  credit report. I requested documents bearing my signature in a letter I sent to the company.

Company response to consumer: Untimely response
Consumer complaint received 2018-06-06
Company: EQUIFAX, INC.
State: TN
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:
I have requested the original contract from Equifax, XXXX, and XXXX on a collections account in my credit report. Each time I have tried to contact them dating back to XX/XX/2018 none of the three could verify that the actual debt was valid. Which leads me to believe all three, Equifax XXXX and XXXX are all miss informing creditors of my information, and in violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: BB&T CORPORATION
State: MD
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:
Regional acceptance corporation has and hard inquiry on my credit report from XX/XX/2018 can not get incontact with this company, I have never went into any car dealer to purchase a vehicle called the number that's on my credit report and it just goes to voice mail 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 2019-04-03
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: Account information incorrect

Complaint:
There has been on time payment data removed from my credit file.

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