BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I recently open several disputes with Equifax. Most of them are finish, the problem is I haven't been able to see the results for any of them. Equifax has been sending me emails stating to see the results to go online but for some reason EQUIFAX has had my account locked out this entire time even now. The emails Im receiving now saying I have until the XXXX of this month to see the result. I HAVE CALLED THEM SEVERAL TIMES OVER FOR HELP!! AND HAVE BEEN LIED TOO AND MOST OF ALL I STILL DON'T KNOW WHATS GOING ON. I just got off the phone with them. I was told my information was NOT IN THEIR SYSTEM!! IM SO CONFUSE. I NEED HELP!! THANKS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
original judgment date entered on XX/XX/2011 total judgment {$7200.00} + interest after judgment total {$14000.00} What happened was I paid this collection off 6 -8 yrs ago. My credit report show that I have paid off all my collections but its been so long I have lost proof of payment.

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 2022-03-18
Company: Grain Technology, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was charged a {$200.00} security deposit on XX/XX/23. I was supposed to get a {$400.00} credit line but I have not been able to withdraw any funds from my account.I have contacted them several times but they never respond to any email and the phone is just for instructions that will lead you back to the email to support who never answer it..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Transunion is reporting my account XXXX  XXXX XXXX balance {$250.00}, this account has been paid for almost 2 months. They are saying that it hasnt been updated since XXXX, but I have contacted the credit card company and they have updated this balance 3 times. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time transunion claims they have not received these updates. This is really hurting my Score. I have contacted them almost 30 times within the last 2 weeks. I have not been able to get anything resolved with them, and I think they are not reporting my information correctly.

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 2016-10-27
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage thru Ocwen matures XX/XX/2016, Loan # XXXX XXXX. I went to their website secured sign on and got a payoff quote valid thru XX/XX/2016. I then called Ocwen about how to submit payment as I bank with XXXX XXXX and that is also their bank. I could simply go on line to payoff loan. However, I was told it had to be paid either by certified funds via overnight mail or their preferred method by bank wire transfer. My wife then called Ocwen and was told the same thing. I went to XXXX XXXX to make wire transfer and my personal banker thought the wire transfer was inappropriate as both accounts were with XXXX XXXX. Her idea was a direct deposit from my account to Ocwen. She also called Ocwen and was told that was not acceptable, that only wire transfer or certified funds were allowed. So we submitted the wire transfer, which had a {$30.00} fee. She noticed an unusual entry upon doing the wire transfer and called her supervisor for clarification. Ocwen actually has a stop on allowing direct deposit transfers. My complaint is simply paying a wire fee is an unneeded expense and additional waste of time. I feel this an added burden imposed by mortgage companies. Ocwen also does n't accept emails, as I wanted to contact them about this problem. Finally, their customer service is apparently outsourced to XXXX and understanding their operators can be very difficult. Thank You : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Experian Information Solutions Inc.
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:
I've been disputing this account for. Early 5 months and they fail to provide factual documents of doing an investigation such such as who they talk to what day what time and documents. Instead they just say verified a few times they said who verified it when I called but when I called the company they stated they didn't verify it and forwarded information to the company stating it should be removed because it's not accurate. Now they saying the same company again XXXX XXXX verified ans they sent me the documents that was sent to the credit bureaus that said it should be removed because it's not verified. I just want an answer which is proof or method of verification vs sayinf verified and keeping inaccurate info on my credit report. I'm taking all the necessary steps so if it's verified please show supporting documents if you can't. Then please remove inaccurate info. I'm tired of getting he run around. I've contained documents to follow up with the things you guys tell me. Not to mention which I've highlight in previously letters that that case number isn't even a real number. Which is another inaccurate detail

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 2017-01-06
Company: CURO Intermediate Holdings
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2016 I filled out a survey for XXXX to receive a free XXXX player. Once completed there was a {$2.00} shipping fee, which I paid using my Opt+ XXXX card. Within seconds I received a text for a charge from XXXX charging my card {$37.00}. I immediately called my bank to dispute the charge. I told the bank that I had taken a survey for XXXX and was only supposed to pay a {$2.00} shipping fee and apparently this XXXX company stole my card information. I told the bank I do not know this company and I did not order anything from them. No where on my receipt, that I printed out and sent to the bank, does it say anything about XXXX. It says the receipt is for an XXXX player. The bank then sent me back a bunch of XXXX that XXXX sent to them that I have never seen before. Even XXXX told them that I was filling out a survey for a free XXXX player, that I never ordered their product and that they never sent me anything. XXXX told me that they sent a chargeback to my bank however it was never put back into my account. Now granted {$37.00} is not going to make or break me, it 's the principle. Opt+ should be looking out for my best interest not XXXX XXXX. Again, I do not know this company, I never ordered anything from them, I never received anything from them and I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX {$2100.00} UD DEP ED XXXX {$9200.00} XXXX XXXX {$2000.00} XXXX   XXXX {$4000.00} US DEPT ED XXXX {$6800.00} XXXX XXXX {$4000.00} US DEP ED XXXX {$4000.00} XXXX XXXX XXXX XXXX {$610.00} XXXX  XXXX {$200.00} XXXX   XXXX {$200.00} XXXX  XXXX {$240.00} XXXX  XXXX {$150.00} XXXX  XXXX {$320.00} XXXX  XXXX {$220.00} XXXX   XXXX {$300.00} XXXX XXXX {$1200.00} XXXX XXXX XXXX {$180.00} XXXX   XXXX  XXXX {$610.00} XXXX XXXX XXXX {$820.00} XXXX   XXXX {$480.00} DPT ED/XXXX XXXX {$2300.00} DEPT OF ED/XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX {$240.00} US DEPT OF ED/XXXX/XXXX  XXXX {$560.00} XXXX XXXX XXXX {$1400.00}

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 2021-08-27
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I had an account with Coinbase for a short time. I tried to withdraw my money, but due to the deceptive way their website is set up, I actually transferred more money to them. I tried to contact customer service and they didnt respond. I Finally found out how to close my account and I did on XX/XX/2021. It is the XXXX of XXXX and my funds ( XXXX US dollars ) have still not been deposited to my bank account. Multiple customer service messages have not been answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: CREDIT ACCEPTANCE CORPORATION
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing with regard to three late payments reported in XXXX, XXXX and XXXX of XXXX. I lost my job at XXXX  XXXX XXXX in due to COVID-19. As a result, I missed my XXXX payment. I continued to make one payment as I could monthly, but because of the first missed payment, it shows that I continued to be behind one payment. A payment was made on XX/XX/XXXX ( {$330.00} ), XX/XX/XXXX, ( {$330.00} ), XX/XX/XXXX ( {$330.00} ), XX/XX/XXXX ( {$330.00} ), and XX/XX/XXXX XXXX {$330.00} ). I contacted Credit Acceptance shortly after I lost my job to inquire about payment options due to COVID, and I was told and received a notification that payments would still be due and that nothing could be done. I called again, explaining everything above, and was told by a male representative that I should dispute the missing payment with the credit bureaus. I did so, and the dispute was denied. I called again after this on XX/XX/XXXX, and was told by a representative that my account was placed under the COVID protected status, and that she did not understand why the payments were reporting late because of the status. I have done my research, and have found that many customers are being affected by the late payments being reported while in the COVID protected status. 

The late payments, reporting with all 3 bureaus, have caused my credit score to drop severely. I have been able to get a better job with a new company, and have been able to get back on track with my auto loan payments. I am in the process of purchasing a new home for myself and my two children, and it has come to my attention that the late marks prevent me from taking full advantage of the best interest rates available. I am requesting that you please give me a second chance at a positive credit rating by revising the late payments. I sincerely hope that there is redemption at Credit Acceptance, and I plead for such consideration.

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 2017-05-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have  XXXX  account on my credit report that should not be on there never opened a car loan.        XXXX   XXXX   XXXX  Last reported :  XXXX   XXXX ,  2017  {$40000.00} Good  XXXX   XXXX   XXXX  Last reported :  XXXX   XXXX ,  2017  {$40000.00} Good This account is paid in full.      XXXX  Last reported :  XXXX   XXXX ,  2017  {$7500.00} This account  is 7 years old an d should have been deleted.      XXXX   XXXX    XXXX   XXXX   Last reported :  XX/XX/XXXX    {$3000.00} In Collections/Charge-off

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was a victim of identity theft, when a fraudulent company deposit a check in my Bank of America account which was closed and trying to obtain a checking account at other bank and being denied saying Bank of America did XXXX $ charge off that I was unaware when closed account, please I have direct deposit that urgently needs a bank account to be deposited.

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 monetary relief
Consumer complaint received 2021-08-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I HAVE AN ACCOUNT REPORTING ON MY CREDIT REPORT THAT I DISPUTED WITH THE CREDIT BUREAUS BUT I HAVE NOT HEARD ANYTHING FROM THEM AND IT'S BEEN OVER 3 MONTHS

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 2018-01-04
Company: First Financial Credit, Inc
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This company is still falsely reporting payments made in am attempt to extend the life the loan on XXXX credit report. They are rwpoetinf that a payment was made XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. NONE OF THESE PAYMENTS WERE MADE. They repeatedly keep marking my credit as payments made when they have NOT in aN attempt to restart the 7 yr process. This is fraudulent activity. They are also in violation the of the florida credit report act and federal fair credit reporting act.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2  months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within XXXX  days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: EQUIFAX, 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:
1.Account Name : XXXX XXXX XXXX Account Number : XXXX  Amount XXXX Date opened XX/XX/XXXX 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
CCB/PPC XX/XX/2016XXXX. 

I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I did not authorize. I have previously disputed this item and it was removed from my credit. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent a letter certified mail because I need a prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: Alorica Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I bought a cell phone ( XXXX ) from XXXX on base at XXXX XXXX GA when i first got stationed there. The phone service was very insufficient so i returned the phone within the 14 day grace period and went to another cell phone company. The XXXX vendors failed to process my return correctly. So after 6 months of me not knowing, i started getting phone calls from a collection agency for the phone i had returned. They put a {$710.00} debt collection on my credit. I went back the next day after i found out after 6 months. They submitted a claim that took another 6 months to follow through. And at which that 6 months i continuously received phone calls and told them of the issue. Which every time they called they said it was no problem and they will fix the issue, which was a lie they also told for 6 months. Finally after a year, the debt was paid by XXXX but the collection debt hurt my credit and has not been removed. It has been paid, but not removed from my credit files. They made the mistake and now my credit score has been penalized for it. Actions need to be taken to not only removed what they have done, but also to prevent this sort of issue from happening to others.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-19
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX of 2020 i had a number of transactions affect my bank accounts and my credit cards. 
unfortunately i had my wallet stolen as well. i have had my bank account loose about XXXX i have reported this with Wells Fargo but due to the loss of my identification i have not been about to recover. i have contacted life lock as well but since my account has been closed i have had no luck improving my situation other then my own due diligence

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 2022-07-05
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: Their investigation did not fix an error on your report

Complaint:
XXXX payment history is reporting inconsistently. 

XX/XX/2018 XXXX says 'ok ' XX/XX/2018 XXXX says late 'XXXX ' XX/XX/2018 Experian says 'ok ' XX/XX/2018 XXXX says late 'XXXX ' XX/XX/2018 Experian says late 'XXXX ' XX/XX/2018 XXXX says late 'XXXX '

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Despite all my payments being on time and having thousands of dollars in my escrow account, Mr. Cooper failed to pay my homeowners insurance resulting in it being cancelled. They mailed me a letter saying that they are going to purchase likely expensive insurance on my behalf. My insurance agent said that they claimed to have the incorrect policy number, and he has been reaching out to them to try to get them to pay for over a week and they have not. They did not pay my homeowners insurance from escrow despite sufficient funds, which led to it being cancelled and a lapse in coverage. They also have failed to pay for a new homeowners insurance policy that I was forced to purchase because my old policy was ineligible for renewal after lack of payment. Mr. Cooper has locked me out of my online account and will not speak to me about my account on the phone because it is "under litigation" (likely for building violations that I am resolving with the city and are unrelated to my ability to pay the mortgage).

Company response to consumer: Closed with explanation