BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-26
Company: Experian Information Solutions 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:
On my credit report its showes wrong public record which is bankruptcy filed it not belong to me i also have a FTC report filed about identhithy theft and have a fraud alert on my report Try to contact all tree credit bueros but they did not fix it they told that is acurate and updated but when im trying to get answer where they got this information thay are telling me that they get the public record information from 3rd party which is by law i call the bankruptcy court to check any information related to my social security but they told me that they are not sharing any personal information to anyone most they are not gaving information to all credit beuaros so im trying to get answer where are they got this info and place it on my credit report it is not my public record it must be removed please help me to resolve this Thank you

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 2018-06-26
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Hi I was a victim of identity theft and my XXXX credit score was at XXXX and I open up a dispute with my credit bureau and I received a email alert from American expresss and they lower my spending limit to XXXX due to my credit score is low and I explain to them that I paid my credit cards on time and I have few accounts on my experian credit report are fraud American Expres told me that I need to to fax in my tax returns and my bank statement and they are closing my account soon and didnt want listen to my situation and made it so hard for me ... .. and I spoke to a supervisor and he was rude to me and called it night and I called XXXX fraud dept and told them about my American Express account and they didnt want to assist me and hung up on me three time and stated that I need to call the next day because they will be closing in 15 mins .... and experian refused to assist me and American Express dont want to contact experian ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
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:
SOMEONE USED MY IDENTITY AND APPLIED FOR THESE ACCOUNTS ON MY CREDIT PROFILE THAT DOES NOT BELONG TO ME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAS.  On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-11-15
Company: Experian Information Solutions Inc.
State: IL
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:
Experian will not respond to my request to remove a credit freeze. They requested identification by mail in order to unlock my online account so that the credit freeze can be removed. They are unresponsive by US mail or online contact.

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 2018-06-26
Company: STERLING JEWELERS, 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:
I have a loan with XXXX XXXX/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX   and XXXX XXXX/XXXX with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX/XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: Early Warning Services, LLC
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I contacted early warning services and XXXX XXXX XXXX in reference to my checking account. I resolved all of my responsibilities. I experienced major issues with XXXX XXXX XXXXXXXX improperly noting my account from a deposit error. They charged excessive fees, I paid even though it was erroneous just to restore my good name. Im a XXXX XXXX, 100 %. Im not rich. I was recently still denied a new checking account because after contacting both companies no repair has been made. Ive now been constantly battling identity theft since 2001. Its disheartening and exhausting. Please compel this corporation to remove the negative reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: S&S Physician Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX XXXX has opened an account on my credit of {$1900.00}. I am unaware of this charge and I would like it disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: Westlake Services, LLC
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found a late payment on XX/XX/2020. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account on the month that you marked me late on my 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 2020-08-20
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have XXXX XXXX Coins with a current value of {$4700.00} that is stored in a vault on Coinbase and I attempted to withdraw the balance to my wallet on XX/XX/XXXX. When the request was made the company sent emails to my primary and secondary email accounts to approve the withdrawal. I clicked on the link in my primary email account and it worked fine ; however, when I clicked on the link in my secondary email it brought me to the Coinbase website, but did not approve the withdrawal. It states that " You have already performed this function '' and yet the action remains unapproved. I attempted this several times over the past 3 days with the same results. I filed the Coinbase automated customer service form and received automated responses of no real assistance. I have attempted to reach them over the past three days without a response. The company does not accept phone calls except for compromised accounts and you can not email them directly. This is a bad link and should be any easy fix. This is a problem mentioned by many people on several review sites like XXXX dating back to XXXX, so they are aware of it and simply don't fix it. This is an exchange for trading and if it is not timely, you lose money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX, XXXX Ohio XXXX I recievd a copy of my consumer report with the intentions to improve my credit and noticed a account that i want a little more explanation on im not saying it is reporting rite or wrong im just not 100 % sure if it is. I also read somthing called the Fair Credit Reporting Act where it give me the rights to challenge anything i am not sure is 100 % accurate. In 15USC it states if you caint provide proof this account must be deleted. Well i want this account deleted if it is not reporting 100 % accuate. I heard by law you have 30 days to investigate this dispute. 

XXXX XXXX XXXX Please investigate this account and remove if theres anything missing XXXX XXXXXXXX Please investigate this account and remove if theres anything missing XXXX XXXX XXXX Please investigate this account and remove if theres anything missing

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: National Credit Systems,Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been contacted several times by this law office about debt and requested several times that they send me the information. The guy on the phone stated that they had and someone signed for it and I repeatedly told him I had not received anything. They proceeded to list this account on my credit report and I have SCRA protection from canceling this lease so they are reporting a debt I am not liable for through National Credit Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I tried to refinance my auto loan today XX/XX/20 but unfortunately I was unable to because when they ran my credit I was told that there were many accounts in negative standing appearing on my credit history. I had no idea what accounts they were referring to since I have always paid all of my credit cards and loans on time. I looked through my credit report myself and I saw accounts and inquiries from several different companies that do not belong to me. I'm not sure who these accounts belong to but I have never given anyone permission to open them in my name using my personal information. I am not affiliated to any of the companies listed on this report nor did I benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any payments towards these accounts. I have already filed a police report regarding these suspicious accounts and inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
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: Was not notified of investigation status or results

Complaint:
I sent correspondence to the XXXX, XXXX and Experian and have received no response.

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 2021-05-26
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I've been an upstanding JCPenney customer for years with a credit limit of {$700.00} and I've always paid my bill on time and my purchases have always stayed at XXXX XXXX of my limit or less. I just found out that they reduced my limit from XXXX to XXXX because my credit score dropped due to an inquiry. They are the only one of my merchants to do this and I have an excellent record for paying all of my bills on time. I called JCPenney to discuss this and I even spoke to a manager but they said there was nothing they could do.

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 2021-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
As previously notified, I am a victim of identity theft

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 2020-08-22
Company: Westlake Services, LLC
State: IL
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2018-05-03
Company: Dovenmuehle Mortgage, Inc.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The bank discriminate against me took my name of the mortgage refuse to give me any information about the loan and how i can save the house and trying to forclose on it .they been so hateful to me telling me they do not know me but yet i got a letter from.the lawyer that they are foreclosing on the house and i cant get involved in saving it and told me do what you have to do we do not care i do have the name and the number of the guy that refuse to deal with me And they need to wuit sending buyers to lool aroumd and remodeling compagnies for estimates ome of them destroyed my plumbimg and electric when i m tryimg to get help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: AMERICAN EXPRESS COMPANY
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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Experian Information Solutions Inc.
State: PR
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:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : CALL XXXX 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
Consumer complaint received 2021-05-26
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage with another company and my Suntrust XXXX now Truist ) mortgage was paid in full on XX/XX/XXXX. I was told a check for {$6500.00} would be mailed to me for the overage in my escrow account. I called Suntrust to verify the amount and they told me the check was mailed on XX/XX/XXXX. I called on or around XX/XX/XXXX to see why I hadnt received the check yet. Suntrust said the mail was slow but if I didnt receive it by XX/XX/XXXX I could request a stop payment and have the check reissued. I called again on about XX/XX/XXXX and told them I still hadnt received. Again I was told the mail was slow and nothing could be done until XX/XX/XXXX. I called on XX/XX/XXXX and said I still didnt have the check. Suntrust said they would stop the payment and reissue. On XX/XX/XXXX I received a check and cashed it. Today XX/XX/XXXX my bank charged me for a returned check fee because that check didnt clear. I called Suntrust on XX/XX/XXXX to ask why the check didnt clear and was told that the check I cashed was the original check mailed 38 days prior on XX/XX/XXXX and that Suntrust had identified an issue in XXXX where statements and checks did not print like they were supposed to. That issue caused statements and checks to be delayed in getting sent out. I asked the rep why in all the calls I had placed had no one told me this was an issue so I could have expected the check to arrive late, not requested a stop payment, and not thought the check received on XX/XX/XXXX was the replacement check. This has now cost me money with my bank and hours on the phone. Where was the communication and transparency from Suntrust that the check was late because of an identified issue on their end. It is XX/XX/XXXX and I still do not have my money.

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 2016-01-20
Company: Ocwen Financial Corporation
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Owen Loan Servicing is reporting a foreclosure and a charge-off XXXX mortgage on my credit reports with varying dates of last activity depending on the credit reporting agency. I contacted Ocwen 's Consumer Ombudsman office requesting payment history on these accounts. The representative was helpful and mailed my request in a prompt manner. The payment history reflected a date of last activity of XXXX, XXXX. I forwarded these documents to XXXX, XXXX, and XXXX upon receipt, yet they advised me that for the corrections to my credit reports to be made that they need Ocwen to forward these documents directly - I certainly understand their requirement due to the possibility of the documents being altered by a XXXX party. At this point, I contacted Ocwen asking that they mail the payment history to all XXXX CRA 's ( which one would think would be a reasonable and simple request ). XXXX, the ombudsmen representative called me on XXXX/XXXX/XXXX stating that they can only send information electronically. I advised her that the electronic information is incorrect, yet she refused to honor my simple request and stated she could not help me any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have had this credit card since 2018. I very responsible client and I pay all my credits on time. Today by a credit report I realized that I owe a money to one of my credit card ( at this moment I was surprise about this debt ). I started to check all my credit cards finding out which card was due. Then, I realized that the card that I owe was my XXXX card. This card I have not use it for a long time, but they charged the annual fee. After that, I went to the credit card website to pay, however I couldn't pay because I was already closed. I chat with somebody from the bank and this person gave me a phone number to solve the issue. I called and the agent told me that he cant solve the problem. I explained both of them that I didn't receive any information by post-mail, text, or e-mail. I really feel this situation very unfair because I want to solve the situation and pay the annual fee and continue being a client. Unfortunately, the miscommunication caused a problem with my credit score. I think they were not effective in communicate the issue with the annual fee.

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