BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-20
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The " verification '' they sent me does n't list my name anywhere. It only lists " XXXX XXXX '' on the bill, which is not my name and never has been.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: EQUIFAX, 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:
It appears that my credit has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove & block any account and information which was found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please remove these files. Please remove the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If the Credit Bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Experian Information Solutions Inc.
State: VA
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'm XXXX XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get deleted. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) XXXX Balance : {$90.00} XXXX XXXX Balance : {$90.00} XXXX XXXX Balance : {$8500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-12
Company: Shermeta Law Group, PLLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXXXXXX started increasing my interest rates drastically after I closed my account in XXXX of XXXX The reason I closed my account was due to the interest over XXXX and the payment was XXXX I ask them why did they increase the interest rate that was already at XXXX and I was paying on time and they gave me no answer. The lady that spoke to me said, just increase your payment. I told her I am unable to increase my payment due to me being on Social security. Because I wasn't able to pay that amount with an additional XXXX in fees, they have started harassing me everyday in the morning and in the evening after XXXX. With that amount I was paying for interest and fees only. Nothing going to the principal. Now they are saying, I will sue you. For what? just because I am unable to pay their high interest rates and fees? Nothing going to the principal? 
Another credit card company that I have quickly put me into a program where they lowered the payment and didn't charge any fees. They understand my situation and they take the payment out monthly. Now I am almost finish paying for that card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: EQUIFAX, INC.
State: WA
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:
My report says on one of my credit cards that I have a missed payment when I know for a fact I have never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My property is scheduled for sale for this Monday, XXXX XXXX at XXXX for XXXX. It is currently valued at XXXX. I am ready, willing and able to resume monthly payments with a modified loan but an official told me today in a tape recorded telephone call that they refuse to do so. I need time. Thank you for your help in stopping this sale!! 
I have been attempting to modify my loan since XXXX of 2011. I have needed to hire XXXX lawyers, XXXX for modification and XXXX for bankruptcy during this time period because of a lack of cooperation and honesty from Wells Fargo and my mortgage holder. I have been denied modification because of lack of hardship, which is untrue, and now a high income XXXX. They have had no intention of granting a modification, since a meeting with the mortgage holders, but have been continuously requesting monthly payments. An official I spoke with in 2013 said my mortgage holder does not give more than XXXX modification, yet they have accepted modification paperwork continuously as my monthly payments have compounded. 
My original mortgage was XXXX plus an additional loan of XXXX. The XXXX loan was needed to be able to purchase the house. Because of the predatory nature of this loan, it was modified from 8 % to 4 %. The XXXX loan was forgiven this year. 
At that time I experienced extreme hardship. I was also paying off my house mortgage in XXXX. I was unable to rent that house because the town did not approve of having renters. We had moved to XXXX after being put on XXXX as a XXXX. My wife was also XXXX during that time, but became XXXX due to school construction XXXX.. My wife was awarded social security XXXX because of her incurred XXXX. She is of XXXX and has been a victim of prejudice professionally and even in this loan process. My parents and mother in law have died during our hardship and we have been taking care of my father in law, a XXXX XXXX victim. 
Wells Fargo refuses to work with me in this loan modification, even though they have received XXXX of dollars to help home owners. Please help me to delay this sale so I can resume payments again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My wife received a letter from the Navy Federal Credit Union dated XXXX that stated " we have received notification from the Social Security Administration of the passing of XXXX XXXX XXXX. " This letter contained 2 lies I was not dead and the Social Security Administration stated they did notTell the NFCU I was dead. 
Then on XXXX/XXXX/15 the NFCU transferred {$2100.00} from my joint checking account to my checking account. 
Then stole the {$3300.00} from my checking account and closed my account. The record shows my money went to a DEBIT. 
Three checks were paid by my overdraft account and charge me {$1.00}. at lease one check bounced, I was not informed of this by NFCU. The first week in XXXX When the electric company turned off my electricity and informed me that my check bounced and I had to pay a reconnect fee, and a deposit would be required to establish my credit and get my electric turned back on. 
On XXXX XXXX after having my debit card refused I went to the NFCU to find I was listed as DEAD. 
# XXXX XXXX. Also on XXXX/XXXX/15 the NFCU reopened and deposit {$3300.00} in my checking account, this was a replacement for the funds stolen on XXXX/XXXX/15. On XXXX/XXXX/15 {$1400.00} was deposit in my checking account as my benefit check. This amount ( {$1400.00} XXXX was transferred to the NFCU as an adjustment XXXX XXXX. on XXXX {$1400.00} was deposited as my normal monthly deposit. But my $ XXXXAnd {$450.00} retirement pay was not. 
On XXXX/XXXX/15 the NFCU deposited {$1800.00} in my account as an adjustment cr. This brought my totalTo the correct amount {$6000.00}. XXXX NOTE : the NFCU is calling this an error credit ) THE NFCU asked and received two MONTHLY PAYMENTS {$2800.00} FROM my benefit payee. 
THIS PAYMENT WAS PAID ON XXXX/XXXX/2015. THIS REQUEST AND PAYMENT WAS IN ERROE. 
THE REQUEST SHOULD HAVE BEEN TO MY RETIREMENT PAYEE! TWO MONTHY PAYMENTSWOULD COME TO {$3700.00}. 
THE PROBLEM NOW IS THE NFCU have posted 4 monthly payments from my benefit payee over a 2 month period. AND ZERO ( 0 ) PAYMENTS FROM MY RETIREMENT PAYEE, OVER THE SAME PERIOD. 
ON XXXX/XXXX/2015 we return to normal direct deposit. Then onOn XXXX/XXXX/2015 {$1400.00} is taken out of my account and given to adjustment XXXX andOn XXXX/XXXX/2015 {$1800.00} is taken out of my account and given to adjustment XXXX XXXX 
These two adjustment total {$3300.00}, the same total as the amount stolen from my account on XXXX/XXXX/2015. 
THE NAVY FEDERAL CREDIT UNION IS NOT CAPABLE OF MANAGING A DIRECT DEPOSIT. 
XXXX XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: General Motors Financial Company, Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I returned the leased car on XX/XX/XXXX to GM financial. In XXXX I received a letter stating that I owed {$1100.00} for excess wear and tear, ending lease fee, etc. I called GM Financial and they agreed to give me a discount so that I now owed {$910.00}. I was told that they would be sending out a new bill with the NEW amount owed on it. A few days later I received a letter saying that I owed the same amount. I tried to call back, but could not get through to anyone. 

Then at the beginning of XXXX, I got an alert on my credit report that I was reported to be 30 day late on a payment to GM Financial. I immediately called and they told me that when I called in XXXX, they " verbally '' told me that they couldn't send out a bill with the corrected amount on it, which they never said. Before I hung up, I paid the balance. I am not worried about the payment I had to make, I am concerned with my credit score losing 80 points because of their lack of communication. 

I tried to explain to the manager that I am a loyal customer of 4 years. I've had two cars leased through GM Financial and STILL have a lease and a loan with them. I have never missed a single payment. I want the 30 day late payment taken off my report and they kept telling me they couldn't do anything about it. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-28
Company: EQUIFAX, INC.
State: WA
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:
XXXX XXXX should not be reporting to Equifax ; XXXX  and XXXX  that I am ( 30 ) plus days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached for reference the Forbearance Agreement dated XX/XX/2020 along with the Forbearance Letter confirming the forbearance was granted dated XX/XX/2020. This letter specifically states the following - you are not required to make any payments during the forbearance. The three bureaus are reporting the lates in error and it is seriously harming my credit score. These line items need to be removed and/or updated to report accurate information. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: EQUIFAX, INC.
State: UT
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:
XXXX  XXXX # XXXX is reporting an account to my credit with a balance that is already paid off. This has been paid for some time and is still reporting a balance and I need this removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started a refinance on XX/XX/XXXX. I have subsequently had to have the rate extended 6 times because TDBank failed to complete steps on their part for the subordination agreement. They first filled it incorrectly according to XXXX, then sat on it for a few weeks and then subsequently didn't know who at TDBank needed to fix it. Two of their internal employees went back and forth for 3 days starting XX/XX/XXXX with me on the email thread trying to figure out who from TD bank needed to what steps and then they both went unresponsive. My last email from them was on XX/XX/XXXX. 

I then tried for several days to get a hold of someone at TD Bank and escalated to the individual managers and heard nothing from any of them. I finally had a manager ( XXXX ) reach out to me XX/XX/XXXX and they told me they would expedite it. They reached out to me again on XX/XX/XXXX and told me they should be able to get it close by following week. They then stopped updating me even after I sent multiple emails. The then had someone else finally reached out to me on XX/XX/XXXX saying this might take a couple of months. I have since been asking for my refund and can't get anyone to email or call me. 

Here are the list of people I have attempted to work with at TD Bank : Loan Officer : " XXXX, XXXX XXXX NMLS XXXX '' XXXX Manager : XXXX Manager : " XXXX, XXXX XXXX  NMLS XXXX '' XXXX Manager : XXXX Manager : XXXX I believe my only costs so far is {$22.00}. I have spoken to TD Bank twice on phone in past 4 weeks and they said only the people listed above could approve the refund and they would pass along the message. I have also asked them several times and gotten no responses. I do continue to get rate lock extensions documents to sign every few days and requests for update information such as paystubs because the ones I have already provided several times are outdated. 

At this point I am working with another bank on my refinance. TDBank service motto of " Legendary Service '' is terrible and I think each of the folks above, specifically XXXX, XXXX and XXXX should be terminated because they are incompetent. I will not do business or recommend TDBank to anyone because the company does not have a process by which customers can raise concerns. They unfortunately rely on their managers to do the right thing but that would assume they aren't hiring incompetence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-18
Company: CITIBANK, N.A.
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
On XXXX XXXX I made an on demand transfer from my PrePaid Citi US account to my XXXX Citibank currenty account for the amount of {$2500.00}. The money never reachd its destination. This transfer had been performed on many other occassions over the last 3 years with no problems, however this time the money is missing in cyberspace and I find the reaction of Citibank, or XXXX who appear to be doing the investigation as unsatisfactory. It has almost been 2 months that my money is missing, they have acknowledged that the transfer money was taken out of my account and say that this is being investigated but this is really not good enough as I am suffering as a result. This money should be returned to my account and they can deal with their administrative mistake afterwards. This has put me in a very tight financial situation and has left me without being able to pay my bills - I have since received charges from the bank from unpaid direct debits and have had to ask for an overdraft - this is very stressful and upsetting and through no fault of my own.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-28
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hello, Since few days my My account coinbase is retricted, I try to ckeck control Identity but Don't work and Coinbase don't respond to my case, so I can do nothing with my account ; I don't unstand why? eveything work fine before. 
this one of my case number open to COINBASE : XXXX. 
can you help me to fixe my issue please. 
thak you best regard.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: Experian Information Solutions Inc.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Experian has and continues to provide my financial data to parties that do not have legitimate use or purpose. 

In order to see how long this has been happening I filed a complaint with CFPB in XXXX of 2020 requesting this information from Experian ( case number XXXX ). Experian closed the complaint XX/XX/2020 requesting more information. This information was provided -- -such as ID and a more complete description but they would not deliver an extended view of those looking at my credit after multiple attempts. 

XX/XX/2020 I filed a complaint with the State of West Virginia Attorney General. Experian would not respond to the Attorney General of West Virginia.

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 2017-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
1 Tax Lien XX/XX/2015 not mine XXXX Tax lien XX/XX/2015 not mine XXXX XXXX not mine XXXX Specialized Loan Home Equity not mine

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 2020-12-28
Company: EQUIFAX, INC.
State: WA
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:
XXXX should not be reporting to Equifax and XXXX  a collection/chargeoff in the amount of {$1600.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I contacted XXXX and informed them that I was being XXXX. This account should have been cancelled and not be reporting an outstanding balance due. Pursuant to the Servicemembers Civil Relief ACT ( S.C.R.A. ) - Benefits offered by the SCRA include : Lets you terminate your telecom contracts ( telephone, cable, internet, video & audio streaming, etc. ) if you relocate for at least 90 days to a location that doesn't have coverage under your current provider. 
I was XXXX for several months and upon returning I had moved and no services were provided in my new location. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
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: Information is missing that should be on the report

Complaint:
Experian Is Not Reporting all my Credit Cards or Credit History in the Open Trade Lines of Credit Reporting. Over two months ago I was added as an authorized user of One XXXX  XXXX card with a 12 year Credit History, another XXXX XXXX XXXX with a 4 year Credit History and another XXXX XXXX XXXX with a 4 year credit history. I need ALL of these cards reported to my Experian Credit Report on a monthly basis and currently for over 2 months these cards have not been reported on my Experian Credit History. I am in the market to buy a Home and this issue is preventing me from moving forward to purchase a new home! I need Experian to report these Lines of Credit that I am an authorized user IMMEDIATELY!

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 2017-02-11
Company: PNC Bank N.A.
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Over the years I have enjoyed doing my banking. However, over the years when I walk into a bank, I am constantly being solicted for products. It seems as though the employees are even uncomfortabel trying to push sales on customers. The retail banking environment has completely changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
STARTED SINCE XX/XX/2018 WHEN I FIRST CONTACTED BANK OF AMERICA TO VERIFY THE ACCOUNT THEY WERE REPORTING IN MY CREDIT REPORT. 
ITS BEEN OVER 2 YEARS, THEY STILL DID NOT FIX THE PROBLEM, NEITHER PROVIDE DOCUMENTATION TO SUPPORT THEIR DECISION. 

CREDIT BUREAUS XXXX, XXXX, XXXX  ARE INCLUDED AND ALSO HAS FAILED THE LAW TO VERIFY THE. INFORMATION BEING REPORTED IN MY CREDIT REPORT. 

I HAVE. BEEN IN CONTACT WITH CREDIT BUREAS ALSO AND HAVE ALL DATA AND DOCUMENTS SAVED FOR MY RECORDS. 

PLEASE HELP ME WITH THIS MATTER. 

RESOLUTIONS REQUEST IS : DELETE THE ACCOUNT. IMMEDIATELY FROM MY THREE CREDIT REPORTS.

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