BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX/XXXX/XXXX my credit institution ( University XXXX XXXX XXXX via XXXX ) sent me my credit score ( Equifax XXXX ), which was much lower than in the past, indicating I should check my account for fraud. On XXXX/XXXX/XXXX I ran a credit report and saw XXXX XXXX # XXXX ( XXXX ) listed. Balance {$4900.00}, Original Creditor : XXXX ( XXXX XXXX, Placed for collection : XXXX/XXXX/XXXX. I called the collections agency who said they had called and spoken to a " XXXX XXXX '' on XXXX/XXXX/XXXX regarding the account being in collections. I did not receive this call and this is not my account. The collections agency reported the acct was in my name and same last XXXX digits of my social sec # but a different address. I then called XXXX and reported fraud/identity theft and a fraud claim was started ( reference # XXXX ) and notified the collections agency. I also submitted an identity theft claim to XXXX ( file # XXXX ) and Equifax webmail dispute online. I then called and reported this to XXXX County Sheriff 's Dept. ( case # XXXX ). This is not my XXXX account that was sent to collections at XXXX. This is identity theft/fraud. I am requesting it be removed from my credit report and my credit score be reset to what it was prior to this incident. XXXX has investigated this incident and removed the fraudulent claim from my credit report on XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: Specialized Loan Servicing Holdings LLC
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 my bank, XXXX XXXX, sent a check for {$16000.00} to pay down our HELOC balance close to XXXX. Specialized Loan Servicing sat on the check, then returned it to me on XX/XX/XXXX, thinking that it was a loan payoff for a traditional mortgage. Two customer service representatives acknowledged the company 's mistake and agreed to a credit of {$150.00} in interest that I should not have paid due to the delay. 
I have spoken to customer service five times over the last six weeks ( several hours on the phone in total ) and each time they promise to refer my case to a supervisor and call me back. No one has every called me back, and the issue is still unresolved. On XX/XX/XXXX, the customer service representative told me that the HELOC department does not have a supervisor, so there isn't anyone to review the credit request. 
Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
My Tezos suddenly disappeared from my account on Coinbase and their customer service is atrocious. I have tried multiple times to get in touch with them but to no avail. This is not ok and I have no insight as to what happened here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-19
Company: AR Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This collection company is continuing their collection activity on this account on my credit report. I feel they did not validate this account or debt per my request that I sent them in the mail previously. They have not provided signed proof that I incurred this debt, an itemization of the debt and a copy of the underlying account statement and other written validation and explanation of the debt. 

Being that they failed to provide it, this is a clear violation of FDCPA. Proper validation consists of copies of some type of current creditor records, not records which only verify that the collector believes an account is valid. 

They are also violating the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information on my credit report : Account Number : XXXX Original Creditor : XXXX XXXX XXXX Balance : {$700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: EQUIFAX, 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 including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTERXXXXBANKRUPTCYDISCHARGEDXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for assistance in saving my home with Nationstar Mortgage. Nationstar is now evading/refusing to review my loan for assistance stating that I needed to correct what I wrote on my application for my retirement income. I also hired an attorney to help me with the process and my attorney states Nationstar can not evade reviewing me for assistance over one number written on my application that is {$30.00} off from the actual income I receive. My attorney has submitted everything they need to review me for assistance and then called Nationstar and Nationstar is demanding I fill out another entirely new RMA and correct one number I estimated on the original application and was off by {$30.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: CITIBANK, N.A.
State: KY
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
After lowering my credit limit which left me over the credit limit I called to close the account. Before closing the account I want to discuss lowering my rate? Was told to close the account XXXX and then I would be transferred to that department after being transferred I was told since the account was closed the rate could not be lowered?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax XXXX Account Number ( XXXX ) Name ( XXXX ) Total Amount ( {$340.00} ) -- -- -This account is not a legit report. I never recieved a bill from XXXX Hospital. I called and verified that they had the incorrect address. As soon as I found out this account was reported on my credit as a collections I contacted them and paid ASAP. They stated that they apologize but there 's nothing they can do to remove it. If I had received a bill I would 've paid it then. Please remove this from my account as it was not my fault that I did not receive a bill but it is paid and should n't have been in collections to begin with. 

XXXX Account Number ( XXXX ), Name ( XXXX ), Total ( {$86.00} ) This was the same issue. I never received a bill. Then hit with a collection. I paid ASAP because I never knew about it. I asked them to remove it because I never received a bill to pay. I had XXXX other companies that billed me properly from that hospital visit. 


They should n't have even been in collections and the credit reporting agency is not working with me to remove them. I contacted both collector and asked about removing it when I paid and they said that the agency does that and they are failing to do so. I am feeling the effect of this bad credit reporting now and do n't like it as it was not my fault they sent the bill to wrong address on both of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax Information Services , LLC XXXX. XXXX XXXX XXXX, GA XXXX ATTN : Legal Department Recently while conducting a monitor of my credit report I discovered that items were furnished with unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware there is a debt from but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from any third parties. I do not recall giving permission to release my medical information to a third-party. I am aware that HIPPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is two-fold and as follows, Validation of Debt, and HIPAA authorization. 1. Please provide breakdown of fees including any collection costs and medical charges 2. Provide a copy of my signature with the provider of service to release my medical information to you. 3. Cease any credit bureau reporting until debt has been validated by me. 4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any medical provider can be perceived as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. The items that appear on my credit report as : 1. ACCT. NAME : XXXX XXXX, XXXX ( XXXX ) ACCT. BAL : {$140.00} 2. ACCT. NAME : XXXX XXXX XXXX ( XXXX ) ACCT. BAL : {$670.00} 3. ACCT. NAME : XXXX XXXX XXXX ( XXXX ) ACCT. BAL : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2020 I made a deposit for {$46000.00} via atm teller at BMO harris bank. I was advised and given a 7 day hold notice because of the large amount when on average banks take 3 days to verify checked with secured funds. Today is day 7 and I still don't have my funds. On XX/XX/XXXX I spoke with the banks customer service and was told my funds would be available XX/XX/XXXX. I was also told that my check was held at the discretion of the manager not the banks policy and also the notice says written in large deposit. When did it become suspicious for a XXXX to deposit a check. My dad owned a business and had life insurance.

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: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XXXX till XXXX overdraft fees plus extra charges on more overdraft fees

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 2016-09-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
i have asked to have paperwork sent to me in the past two months from SPS so that they can update my file for reaching a agreement for my home. They sent a letter today that they deny me loss mitigation, how can this be done if they did not allow me to present paperwork about how my situation has changed. Can you please help?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: ENCORE CAPITAL GROUP INC.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Roughly 16 months ago I settled an account with Midland Credit Credit Management for roughly 75 % of my balance that was owed at the time. The account had since been deleted from my credit report and Ive been working on stabilizing my credit to buy a new home. Randomly at the start of XXXX  I had an alert for a drop in my credit score ( a BIG drop! Not good when house hunting!! ). I checked and it was due to TWO new reports of collections from Midland. I immediately called the company when I realized it was the account I had previously settled. They were claiming that I still owed the remaining balance etc despite having documents stating the account was settled / closed. I was given the run around for 2 weeks, being told to call back tomorrow and not to dispute anything yet on the credit report because it could delay things. Finally I disputed it because the company was NOT helping me and kept pushing it off like it was nothing. The dispute went through but the collection is still showing on my report because it was reported TWICE and only one was removed. My credit has remained significantly LOWER despite having one of the collections removed, causing trouble with getting mortgage rates that Ive been working so hard for! Terrible terrible TERRIBLE and useless customer service / managers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$31000.00} XXXX XXXX XXXX {$420.00} XXXX   XXXX {$430.00} XXXX XXXX XXXX {$170.00} XXXX XXXX   XXXX {$490.00}

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 2023-02-04
Company: Experian Information Solutions Inc.
State: LA
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:
See attachment detailing fraudulent accounts on my consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
XX/XX/XXXX - Spoke to Capital One Customer Service concerning my request for a credit line increase. My account has been open since XX/XX/XXXX. Since opening my credit card limit I received XXXX automatic credit line increase. My limit is {$1100.00}. My current balance is {$820.00}. Since XX/XX/XXXX I became XXXX  and working with the credit bureaus to increase my credit XXXX score to qualify to purchase a home. I have made Qualifying ( above minimum ) payments for over 12 months. Recently as of XX/XX/XXXX I requested a credit line increase. On XX/XX/XXXX I have been declined for an increase. I have communicated with Capital one XX/XX/XXXX concerning the decline in credit line increase with representatives of Capital One and 2-Sr. Supervisors. The last Sr.  Supervisor I spoke to was XXXX. My account with Capital One was satisfactorily documented. Capital One has stated in writing and verbally in that there is no criteria for anyone specific to deciding on qualifying for a credit line increase. However, I have qualified in general and have met the general criteria for an increase and I have been refused without specificity or guideline on what is necessary to receive a credit line increase. Capital One states in writing ( on the FAQ ) and verbally, " GENERALLY, IF YOU MAKE MORE THAN YOUR MINIMUM MONTHLY PAYMENT ON TIME FOR THREE MONTHS YOU CAN REAPPLY FOR A CREDIT LINE INCREASE. '' I have me this criteria prior and currently and have been declined without justification. I believe this is discriminatory. Capital One states the guideline for credit line increase is the same for All. XXXX was not able to answer to where I come short for a credit increase because they do not have a guideline or number figures to go by in determining an increase for anyone in specificity wherefore, it is only determined by a system and not performed by a human. I believe strongly I qualify for an increase whether requested before XX/XX/XXXX or if I request after XX/XX/XXXX. My Complaint is Capital One has denied me erroneously and discriminated me from an increase in credit line. I kindly request a review of said complaint with a response and answer as to why my account does not deserve a rightful increase in limit based on making qualifying timely ( above minimum ) payments for over 6 mo to 1 year and have reduced my balance as written in the FAQ written documentation. I have attached as Follows and in no specific Order : Credit line increase denial, Payment Activity to date, Statements from XXXX to XXXX reflecting credit lines of {$500.00}, {$600.00} and {$1100.00} over the span of 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: The CBE Group, Inc.
State: KY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
A XXXX account was created in my name in XXXX of 2011, however, I could not have opened this account because I was under the age of XXXX at the time. XXXX has a debt in my name for {$430.00}, which will deny me military access if the debt is not paid or cleared. I have never had XXXX, my identity was stolen and used to purchase XXXX illegally in the name of a minor. In 2011, when the account was opened, I would 've been XXXX years of age. Let me add that the account is registered to XXXX XXXX XXXX, XXXX, Kentucky, XXXX. I have never lived at said address, XXXX XXXX lives at said address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: EQUIFAX, INC.
State: NC
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 discovered that some of the items on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified items without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On two separate occasions now I've paid my monthly mortgage by check and added a significant amount of additional principal. I regularly add an extra {$1000.00} - {$2000.00} toward principal throughout the year without any issues. However, when I send a check that includes an extra {$10000.00} or more, both times it has gotten processed incorrectly, with the extra money not being applied to my loan at all, like it's just missing! My bank shows the full check cashed but my mortgage company payment history shows I only paid the monthly payment! 

The first time I called the mortgage company they said they'd fix it and to wait 3-5 business days, I waited and they money didn't show up credited to my mortgage. So I called again, I felt like the money was missing in thin air, so I threatened to cancel the check and call my bank. The mortgage company seemed OK with me cancelling the check and trying to make the payment again. I said forget that, I want the payment credited back to the date the check processed to get interest credit! 

So they asked me to contact my bank for special transfer numbers. After multiple calls to the mortgage company and my bank to get special payment numbers, the mortgage company finally found my original check payment and applied it correctly. 

We'll see what happens this time around. I submitted the issue to them via contact us online and called them this morning. This morning they said they submitted a request to correct it but couldn't give me a reference number, telling my no worries the call is recorded. So now I wait 5 business days like last time hoping it goes through. Hopefully, 5 days from now I'm not calling back with the same experience as last time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation