BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-07
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XX/XX/ i went to the bank to deposit XXXX. I filled out the deposit form with that amount and passed it to the teller and she asked me for the money, the teller called 2 more colleagues to help her count the money, the 3 people manipulated the money and passed it through the bill counting machine, they stamped it with the bank advisors and said it was ok, they proceeded to take it to the back where I do not have it in sight and 1/2 hour later the teller came out and told me that she had to count the money again and that this time XXXX usd was missing. 

In the end they only consigned me XXXX usd and they stole the XXXX usd. I have made claims to the bank, XXXX but they only give me information by phone where they tell me that they checked everything and that the amount that they consigned me is the amount that I spent when it is not so I spent XXXX usd. 

I denounce the bad protocol of the bank by allowing 3 different people to manipulate the money going in and out, I denounce that they tell me what is missing when I lost sight of the money because they did not say it to my face when they counted the money. 

I request that you help me to mediate with the bank to actually do the investigation, share a copy of the security video with me or give me a guide on how to proceed in such a situation.

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 2023-01-20
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:
I submitted a letter to the 3 Credit Bureaus on XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$1600.00}

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 2023-01-20
Company: Experian Information Solutions Inc.
State: NC
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 are several delinquencies, missed payments and accounts 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 2023-02-23
Company: Experian Information Solutions Inc.
State: PA
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:
Im in the process of buying a home and found fraudulent accounts from DEPTEDXXXX  on my credit report in XXXX so I disputed them. The credit bureau did not conduct an investigation. I called twice and both of the customer service representatives told me that they refuse to investigate because there were several payments made on the accounts, so the DEPTEDXXXX accounts are mine and will not be remove. This credit bureau violated the Fair Credit Reporting Act! This unlawful conduct has cost me a lot of stress and financial hardship. 

The DEPTEDXXXX tradelines on my credit report are fraudulent, inaccurate and incomplete. 
I do not have an account with DEPTEDXXXX DEPTEDXXXX accounts have no alleged credit limit, no terms, no scheduled payments and have an incomplete name or a not an actual entity. 

DEPTEDXXXX account # XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX  account # XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX account # XXXX CFPB please require this credit bureau to abide by FCRA and conduct a through investigation.

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 2023-01-20
Company: EQUIFAX, 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:
According to my research about FCRA 605, credit bureau are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$110.00} ; XXXX XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$3800.00} ; XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$3800.00} ; XXXX XXXX XXXX XXXXXXXX Date XXXX XXXX XX/XX/XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXXXXXX Date opened XXXX XX/XX/XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$6900.00} ; XXXX  Inquired on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I C SYSTEM Keep calling saying their attorney attempting to collect a debt that i had no knowledge of, i asked for proof in XX/XX/2022 still up till now i haven't received anything, I'm tired of the harassing calls this the only thing i have on my credit I'm trying to buy a house this year and this is holding me up. Please assistance me i have been battling with this for over 2yrs, they call before hours and after callout time i have recordings

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 2023-03-07
Company: I.C. System, Inc.
State: MI
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 tried to reached out to this company to ask for proof of validation or any contracts tying me to this company and disputed the account but has not received any answer or information from the company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Experian Information Solutions Inc.
State: CA
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:
When I first decided to exercise my rights under the Fair Credit Reporting Act, it was with an eye on challenging any information found in credit reports that are not accurate. I am ensuring the information on my consumer report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This is just an allegation. There is no proof that I'm delinquent or derogatory, so how can they report this? 

In accordance with the FRCA, the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

ACCT NAME : XXXX XXXX SER ACCT XXXX : XXXX XXXX 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 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 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 2023-03-01
Company: SLM CORPORATION
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have tried to work with Sallie Mae, I fell very sick in Fall of XXXX. Continued to decline in XXXX of XXXX and began receiving treatment at XXXX XXXX. I was still in school trying to attend my classes virtually all while dealing with my sickness. Prior to XXXX I was a healthy college athlete on an XXXX and XXXX XXXX at my university. In XXXX of XXXX my care was transferred from XXXX XXXX XXXX XXXX XXXX, whom I am currently under their care. I am still in and out of the hospital every month, trying to get better. I have called Sallie Mae several times, in which they told me the only thing they can do is put me in a repayment plan of {$350.00} a month. I am not working, my parents are covering my extreme medical bills, and I can not afford this! I explained that to them, as well as my mother. She even told them if they could do {$100.00} a month, she would try to find a way to pay that despite all of my medical bills that they are paying for me. I am going back to college in Fall of this year. I did not lose my XXXX or XXXX XXXX. Sallie Mae did not want to work with me. I explained my financial situation along with the fact that I am going back in the fall, coupled with the fact I am not losing my scholarships either. They told there is no way they can help me despite my current medical situation other than paying the large sum of {$350.00} a month. This is discriminatory as I can't help my medical situation, but if I die the debt is no longer there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: EQUIFAX, 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 need the XXXX  XXXX credit to be readded To my Equifax credit file, Equifax took off my credit report I did not ask Equifax to remove this account please reinsert my XXXX  XXXX account last four of that account number is XXXX, please add this back it was not supposed to be taking off this is the second time this has happen

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Commencing on or around XXXX XXXX, 2022, i fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX BTC from my Bank account to Coinbase at the instructions of the XXXX. 

On XXXX XX/XX/2022, coinbase response to my complaint with the below email Your Formal Complaint to Coinbase We are responding to a complaint you submitted on XXXX XXXX 2022, ( Complaint ) to Coinbase regarding a Coinbase customer who you believe defrauded you. 


Coinbase is investigating your report. However, we are unable to share any information regarding a Coinbase customer account without a valid, enforceable court order. 


Coinbase is very sympathetic to the situation in which you find yourself. We encourage you to continue to work with your bank to resolve this matter. Additionally, your local law enforcement may also be of assistance to you, including the FBIs Internet Crime Complaint Center ( www.ic3.gov ). Coinbase fully cooperates with law enforcement investigations. 


Coinbase considers your complaint closed. 


Kind Regards, XXXX Coinbase Customer Complaint Officer Please attached is the full details in a pdf letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have an all cash offer to pay my PHH mortgage in full and I asked for an extension of the foreclosure sale date due to title issues. My mother, deceased in 2012 was still on title.

I also provided PHH all the documentation requested PRIOR to the foreclosure sale date which were : - Proof of funds in escrow - Sales contract And they still refused to extend the foreclosure sale date. So I also filed bankruptcy to stop the sale and buy time, and they still sold the house to a third party and are now having to rescind the sale. 

This is the fourth complaint I have filed against this unscrupulous mortgage company. I am a XXXX yo XXXX woman on dialysis trying to realize the generational wealth my parents left me and these people are doing their best to prevent that from happening. 

I need time to handle the title issue and have retained an attorney to do that. My cash investor is willing to wait until we can go through expedited probate. 

PHH will get their 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 2023-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
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:
had 2 late payments due to covid 19 epidemic was laid off from work was late in XXXX of XXXX and XXXX of XXXX never missed any other payments trying to buy a home and late payments are really hurting XXXX XXXX account is now and always has been current with NO other late payments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-05
Company: United Revenue Corporation
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I noticed on XX/XX/XXXX when I pulled my credit report there had been a medical bill in collections for almost three years. I called the collections agency to request what I had been billed for. All they could provide me with was a bill for {$730.00}. They couldnt provide any more details or told me I would have to get a lawyer so they could get into the file if I wanted more information. They couldnt give me a breakdown of the debt I owe or proof that they mailed me collections bill ( which I have never received in three years its been on my credit ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: CCS Financial Services, Inc.
State: SC
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 HAVE CONTACTED CREDIT CONTROL SERVICES SEVERAL TIMES AND THEY HAVE KNOWLEDGE I HAVE NO ACCOUNTS WITH XXXX PERSONALLY. THEY HAD REMOVE THIS ACCOUNT SEVERAL TIMES AND KEEP PUTTING IT BACK. IF THIS ACCOUNT IS NOT REMOVED FROM MY CREDIT FILES I WILL FILE SUIT ASAP AND REPORT THEM TO THE INSURANCE COMMISSIONER FOR ABUSE TO SENOIR AND TRYING TO RECEIVE MONIES UNDER FALSE.. WHICH IS FRAUD

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: CAINE & WEINER COMPANY, INC.
State: AZ
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 XXXX  account XXXX XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We purchased a house in XXXX of XX/XX/XXXX and used a reputable realtor and title company. We purchased the house free and clear. In XXXX of this year Chase put our home up for auction and listed it on the XXXX County website. Our mortgage is not with Chase. Our title company researched it and told us it had been removed from auction and that Chase admitted they made a mistake. Two months later we received a letter from an attorney offering help with our foreclosure. We immediately checked the XXXX county website and sure enough our house was listed to go up for auction, again by Chase who does not own the loan on the home. We purchased it from XXXX XXXX with XXXX. He bought it from XXXX XXXX who was deeded the home by XXXX XXXX. XXXX died in XX/XX/XXXX. Chase is trying to foreclose on a loan from XXXX XXXX and/or XXXX XXXX. Our title company ran a check on liens and it was free and clear for us to purchase. Chase needs to fix their mistake and stop harassing us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Experian Information Solutions 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, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX  account XXXX  XXXX, XXXX XXXX  account XXXX XXXXXXXX, XXXX account XXXX XXXXXXXX, XXXX XXXX XXXX XXXX  account XXXX XXXXXXXX XXXX XXXX account XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX account 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 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 explanation
Consumer complaint received 2023-02-18
Company: NCB Management Services Inc.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
IVE BEEN A VICTIM OF IDENTITY THEFT, SOMEONE WHO STOLEN MY IDENTITY OBTAIN A LOAN WITH NCB MANAGEMENT SERVICE Original creditor : XXXX XXXX XXXX ON XX/XX/2018 IVE TRIED COMUNCATE WITH THEM REGARD THAT FRAUDULENT ACCOUNT NEVER GOT A RESPONSE FROM THEM. I WROTE LETTERS AND HAD TO MAKE A POLICE REPORT MAIL IT TO THEM AND NEVER GOT A RESPONSE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: EQUIFAX, INC.
State: NY
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:
I was denied from applying for a auto loan due to the amount of hard inquiries I have on my report that i didnt consent which also has affected my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Unidentified person applied for credit using my personal information with XXXX XXXXXXXX. Resulting in a hard inquiry & drop in my credit score. I would like this removed so that my score can 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 non-monetary relief
Consumer complaint received 2023-03-07
Company: CarMax, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have had my credit pulled 32 times from a numerous amount of different companys without my permission

Company response to consumer: Closed with explanation