BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-06
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:
I was pulling my credit to looking into buying a home this year and I seen that there was quite a few unauthorized accounts on my Trans Union,  XXXX, XXXX reports. I have not access my credit file since XXXX or XXXX and it seem as if someone use my personal information to access utilities and cable bills. I do not recognize these accounts that are listed on my credit file XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX ... I no longer live at the follow addresses I have been the victim of ID Theft so please remove the following address : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX SQ, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 2021-09-14
Company: Amsher Collection Services, Inc.
State: WV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I don't know where that account come from because I have never had any account with XXXX ( the original creditor ) at all. This is a mistake, please start an investigation to delete that collection account from my credit report. I don't even know what kind of service are they talking or for how long that account was opened. I never receive any letter letting me know about any details from Amsher Collection Services Inc. ( the collection agency ). I found out about this collection account because I have XXXX XXXX to track my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Wellsfargo proceeded with a temporary deposit RETURN- removal on my account in regards to a scam. 
This is what happened, I had agreed with the seller on two orders of XXXX gloves. Totaling XXXX gloves. However, instead, seller sent a total of XXXX gloves. Seller sent XXXX gloves for each order, totaling XXXX gloves.Seller did not sent the XXXX that were agreed on both orders. 

I submitted proof that the seller sent wrong quantity. I proceeded with a return. The items were packaged and shipped as instructed and APPROVED by the seller and shipped. I have attached proof of conversation with seller in regard to return instruction agreement. 

Now, wellsfargo a bank I been with for almost 8 years have sided with a scammer and charged me two disputed transactions of {$900.00} each Totalling {$1800.00} charged on my account from a temporary deposit RETURN

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 2020-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi On XX/XX/2020 I have submitted a dispute against the credit bureaus to eliminate some erroneous accounts in my credit report, but so far I have not received any responses from them. I have sent letters month after month since XXXX and I still haven't received any responses. I need help to know the status of my disputes. 

I enclose the first round of letters sent to the bureaus.

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 2020-02-12
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:
I pulled my credit profile for the first time in 4 years, and I saw several unknown suspicious accounts that are not mine. I have never applied or seen these accounts in my life. Please remove these fraudulent accounts from my report. I need my identity back. I been having to many problems over this situation I am having. 

XXXX XXXX XXXX  XXXX XXXX XXXX {$850.00} XXXX  XXXX XXXX XXXX   XXXX {$630.00} XXXX XXXX XXXX XXXX ORXXXXXXXXXXX {$60.00}

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 explanation
Consumer complaint received 2020-02-12
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: Information belongs to someone else

Complaint:
I pulled my credit profile for the first time in 4 years, and I saw several unknown suspicious accounts that are not mine. I have never applied or seen these accounts in my life. Please remove these fraudulent accounts from my report. I need my identity back. I been having to many problems over this situation I am having. 

XXXX XXXX XXXX  XXXX XXXX XXXX {$850.00} XXXX  XXXX XXXX XXXX   XXXX {$630.00} XXXX XXXX XXXX XXXX ORXXXXXXXXXXX {$60.00}

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 explanation
Consumer complaint received 2020-02-12
Company: Early Warning Services, LLC
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was told in XX/XX/2019 that I was listed in a company called Early Warning Services when I went to open a bank account. I have never done anything wrong with any bank whatsoever and Ive tried several times to contact this company with no reply. This is unfair and unjust!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
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: Investigation took more than 30 days

Complaint:
I submitted 4 dispute requests, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in regards to tax liens on my credit report. They were not verified but were not deleted from my report. Under the new law effective XXXX XXXX, 2017 any public record data must include name, address, SSN and DOB in order for it o appear on your credit file. The credit bureau does not have the verifiable information and the Tax liens should be deleted from 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 2018-01-06
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:
1-On XX/XX/XXXX i opened a bank account with XXXX XXXX 2-As i was managing my account on line a pop up appeared suggesting i apply for a credit card with XXXX. 
3- The pop up made it clear that my application will not affect my credit score ( i am attaching their pages as it appears and as it prints out attachments A1 and A2 ). Which implicitly meant hard inquiry will not appear on my credit report ) 4- Immediately my experian monitor reported that i had made a hard inquiry and that my score dropped 4 points due to this inquiry.

5- I immediately sent XXXX and email explaining them the situation and asking them to remove the hard inquiry. they answered in 2 days saying they ca n't do it and i have to contact another department 6- I sent XXXX a letter on XX/XX/XXXX about the issue requesting them to delete that hard inquiry ( see attachment A3 ... ). they answered with a letter to send more information about the issue. 
7- I sent a letter to Experian on XX/XX/XXXX ( A4.. ) of the incident and other incidents asking them to delete that hard inquiry especially that my written and or verbal consent is required as per the stipulations of the law. 
8-Received letter from Experian that though companies do not have my written or verbal consent they still can report a hard inquiry and i should object with your office. 
9- I sent XXXX second letter attachment A5 ) with more info.

10- XXXX sent letter ( attachment A6 ) refusing to remove the inquiry.

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 2018-01-06
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Its about XXXX. 
Date XXXX Sold my BTC like every other time to Coinbase ( it sould arrive on the XXXX ). That time it did not charge any fees but also is now listed as : Sent BTC to Coinbase ... and not ( like every other day ) Sold BTC using EUR wallet. ( screenshot 1 ) already filed a support ticket ( more than 1 ), been rly patiently and explained everything in detail. But every time I get a respond from a bot or something else .. they did not read my request and told something complete different to what i had send to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
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:
XXXX, Experian and XXXX is reporting inaccurate information on my consumer credit report. They continue to furnish inaccurate information that was open fraudulently and/or reported inaccurately. This is causing adverse action to be taking against me. My personal information has been brought and sold to other persons. I did not give these CRA 's permission to do so or to advertise any fraudulent or inaccurate information. The furnisher duty is to investigate inaccurate information and conduct a proper investigation under the FRCA requirements. In regard to 15 USC 1681S-2 they have violated the law. The furnished information needs to be modified, deleted or permanently blocking the reporting of all disputed information According to the federal law ( 15 USC 1681 ) it states that consumer reporting agencies must ensure their right to report on the consumers report with fairness, impartiality and to respect the consumers right to privacy with regards to confidentiality, accuracy, relevancy, and proper utilization of information. They have failed to follow the federal law which is affecting my credit worthiness and reputation etc.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/2021 I paid Capital One {$290.00} on my credit card bill. This was my error, I should have paid {$960.00}. This left a balance of {$670.00}. 

I was assessed interest of {$28.00} which I paid on the following month on XX/XX/2021 along with my balance of {$2400.00} and before the due date. 

However I was assessed a ADDITIONAL interest of a {$24.00}. Thats a total of {$54.00} for the one month short payment of {$670.00}. This is a interest rate of OVER 96 %. 

Their published interest rate is 17.9 % annual rate. 17.9 % of {$670.00} is {$120.00} or {$10.00} per month. 

My charge of {$54.00} amounted to a overcharge of {$43.00}. ( Note : Even though with creative book keeping they were somehow able to charge interest for 2 months it would have only been {$20.00} at the 17.9 % annual rate. ) My complaint to them resulted in a written denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX and my complaint is with chase mortgage company. Two years ago we received a fha loan mod from this co. According to our loan docs our loan is considered in good standing unless it falls 90 days behind. We are currently 2 months behind because of financial difficulties. We tried to make a payment to keep us from falling 90 days behind and they are refusing the payment. They want our house. We are planning on selling the home within the next 6 months as we have a lot of equity. Please help they are trying to take our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: Experian Information Solutions 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 status incorrect

Complaint:
The company called me and told me I was past due on my payment I made the payment on time but was never notify that my escrow account went up and was told by the company my escrow account should of never went up so they have put a XXXX day late on my credit for XX/XX/XXXX and XX/XX/XXXX I have asked them to be remove and it still has not been done yet.

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 2020-02-12
Company: Self Lender 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 status incorrect

Complaint:
I noticed that I had a ding on my credit report for a account that was 30 days late it was reported for the month of XX/XX/2020. It was for my Self secured credit card. I sent them a chat request this morning of XX/XX/2020 to inquire about this because It has to be a mistake. My payments are due on the XX/XX/XXXX of every month I was late but only by 3 days for the month of XX/XX/XXXX and XX/XX/XXXX I made my payments on the XX/XX/XXXX of both of those months. I was trying to chat with them about why they reported me being over 30 days late when that is not possible since i was only 3 days past my due date. But they could not give me a reasonable answer I was well aware of the late fee and excepted the fee I paid all the fees and my minimum payment and then some. I told them that this was being reported on my credit report as inaccurate information and is a deformation of character and not a true picture of what is really being done and all I was told was that since I made the payment after the due date the statement was closed and it is not possible to make a payment to that statement and therefore I am 30 days late. I told them that is a deformation of character and is inaccurate and to please update it to not late and i was told to have a nice day and the chat was ended.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
TO WHOM IT MAY CONCERN, I AM WRITTING TO YOU BECAUSE IM SICK AND TIRED OF RUSHMORE LOAN MANAGEMENT SERVICES. I PLACED MY HOME UNDER A SHORT SALE DUE TO A HARDSHIP THAT IM GOING WITH MY FAMILY.

IT WAS VERY HARD FOR US TO LET THE HOUSE GO SINCE WE HAVE NUMEROUS MEMORIES WITH OUR FAMILY HOWEVER IT WAS TIME TO MOVE ON.

RUSHMORE LOAN MANAGEMENT SERVICES AGREED TO APPROVE THE SHORT SALE SINCE THE PROPERTY WAS ALREADY ON THE MARKET. WE ACCEPTED AN OFFER AND BUYER ORDERED HIS APPRAISAL WHICH IT CAME BACK LESS THAN THE OFFERED AMOUNT.

WE CALLED RUSHMORE LOAN MANAGEMENT SERVICES AND  TOLD THEM THAT BUYERS APPRAISAL WAS LESS THAN THE OFFERED AMOUNT ( XXXX ) CONSIDERING THE ORIGINAL OFFERED AMOUNT CONSIDERING THE BUYERS OFFER WAS {$610000.00}.

RUSHMORE LOAN MANAGEMENT SERVICES SAID THAT THEY WILL STILL CONTINUE TO RE ISSUE THE SHORT SALE APPROVAL AT {$61000.00} EVENTHOUGH THE VALUE CAME LESS OUR JOB WAS TO FIND ANOTHER BUYER WHO WILL OVER PAY ANDFORCE TO PAY THE DIFFERENCE.

MY REALTO HAD NO CHOICE TO PUT THE PROPERTY BACK ON THE MARKETWHICH WE FINALLY FOUND ANOTHER BUYER WHO WAS WILLING TO PAY FOR THE DIFFERNCE FROM THE CURRENT VALUE OF {>= $1,000,000} ( PER APPRAISAL ) TO THE RUSHMORE LOAN MANAGEMENT SERVICES SHORT SALE APPROVAL AMOUNT {$610000.00}. 

NOW THAT WE HAVE A BUYER THAT AGREED TO THOSE TERMS, RUSHMORE LOAN MANAGEMENT SERVICES IS NOW ASKING FOR A HIGHER AMOUNT OF {$620000.00} WHICH TO MY UNDERSTANDING THEY ARE TRYING TO TAKE ADVANTAGE OF THE BUYERS. WHEN RUSHMORE LOAN MANAGEMENT SERVICES ALREADY HAD AGREED TO {$610000.00} TO SELL THE PROPERTY.

I FEEL THIS IS NOT FAIR FOR ME OR MY FAMILY CONSIDERING WE ARE TRYING TO MOVE ON AND RUSHMORE LOAN MANAGEMENT SERVICES IS JUST LOOKING TO TAKE ADVANTAGE OF MY FAMILY AND THE BUYERS. 

PLEASE HELP I DONT KNOW WHAT TO DO CONSIDERING I HAVE DONE EVERYTHING TO MOVE ON. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
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: Public record information inaccurate

Complaint:
Hello : I contacted the bankruptcy court in my jurisdiction, XXXX, CA, and asked them about the bankruptcy reporting to the credit bureau. They stated that they do not provide the credit bureaus with this information. I then contacted Equifax, because they list a bankruptcy on my credit report ****with an account/docket number that is not mine*** and which I do not know at all. I sent two letters in XXXX of XXXX, stating that the account number is incorrect and that the Bankruptcy court, according to the bankruptcy court, does not provide information to the credit bureaus. Since this information is inaccurate, I want it deleted. 


Equifax states that they conducted an investigation, but this is false on its face. The reason is the following : If you look at the date verified, you will find the date of : XXXX/XXXX/XXXX. So, how is an investigation being conducted at all if my TWO letters are sent to them in XXXX of XXXX? ( Please see attached where it states : Date Verified ).

Equifax violates Section 611 of the FCRA which states : " In general, subject to to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file is a consumer reporting agency is disputed by the consumer and the consumer notifes the agency directly ... the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and the record THE CURRENT STATUS of the disputed information, or delete the item from the file in accordance with paragraph 5 ... '' Equifax also violates Section 609 of the FCRA which states in section " ( 3 ) ( A ) Identification of each person ( including each end-user identified under section 607 ( 1 ) [ 1681 e ] that procured a consumer report. '' Also, how does Equifax explain the inconsistency of me being told that they do not verify with the bankruptcy court -- -and then they ( Equifax ) list on the bankruptcy reporting that. 

Furthermore, and finally, according to the FCRA my report is supposed to be completely accurate. I do NOT know " Docket XXXX '' ... if that is my docket number, show me any documents that I have which state so. But I believe, otherwise, it must be deleted. 

Finally, and a more minor thing, Equifax has a hard inquiry of XXXX account, but when I asked for documents of this -- -since I do n't have knowledge of it -- -they " verified '' it. I would like them to produce copies of my signature for CFPB and me alike ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021 after XXXX, I tried making a {$700.00} withdrawal from a stand alone Wells Fargo ATM. The process was almost complete until the machine was about to give me the money. The machine froze and then restarted and my money was never withdrawn from the machine. I immediately received an email error message telling me to call if i didn't receive my money. I called, made a claim, and waited for the 2-3 days for investigation they told me to wait. After about 4-5 days I called for an update and they asked me if i was referring to the double charge on my account and i told them no. " It is about the one time charge but no money was given to me '', I told them. They told me to give them 10 days and I later received an email that my claim was over and i was denied my money. I called again and a representative told me he would do another claim because they probably submitted the wrong claim of double charge which is why i was denied. I then spoke to a resolution specialist which told me they couldn't help me and to look for outside sources to try to get my money. I waited again and called several days later and they told me it was closed and denied again. I went to the bank and a banker called claims and spoke with a Supervisor and he made another claim. It has been 3 weeks and i have not received my money. Luckily I am not in need of money but I feel for customers that go through this and are short in 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