BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-27
Company: EQUIFAX, INC.
State: OR
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:
On XX/XX/XXXX an erroneous collection was added to my credit report and my score dropped XXXX points across all bureaus. I contacted the original creditor and collection agency and the account was successfully deleted from my report- however my credit score was never corrected to compensate for the XXXX point drop. 
My score before the item was added was : XXXX XXXX XXXX Equifax XXXX XXXX The item was successfully removed yet my score at this time is : XXXX XXXX XXXX Equifax XXXX XXXX Please correct my credit score. 
The account that was added in error was successfully removed however the impact to my credit score has not been corrected. At this time the credit score on my accounts is in violation of the FCRA as it reflects what my score dropped to and has not been updated to reflect my score prior to the erroneous account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Cares act Mortgage forbearance States that your credit score will not be affected in forbearance however my Mortgage company ( Carrington Mortgage ) got around this by increasing the amount owed on the loan  stating that the unpaid interest was added to the loan amount increasing the amount of the loan reported to the credit agency 's thus showing a higher debt to income ratio and lowering my credit score. which the cares act states should not happen So I'm being punished if I use forbearance

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have inaccuracies on my report. It shows Judgments that have been settled as being still open and Student loans that have been paid as open accounts, I would like them to review and update my entire 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 non-monetary relief
Consumer complaint received 2016-02-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian keeps re-validating a charged off credit card debt since 2009 by allowing original creditor and the collectors it sold debt to renewing and changing the charged off date to be current instead of 2009. The debt is already past the statute of limitations and also the credit reporting time but credit bureau re validates it every year so it shows it just got charged off contrary to 2009.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27
Company: Foris DAX, Inc.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have an account with crypto.com that I keep aout XXXX USD in. They charged me XXXX to ship a debit card I did not want. It has been over a month since they charged for the debit card and they never shipped it. I requested a refund for the XXXX USD fee since they never shipped. They refuse to issue a refund. 

Come to find out policy does not require one to order a new card and the CEO has since suspended the fee for debit cards going forward. However they will not refund the XXXX USD for my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a Citibank gold checking promotion that offered XXXX miles XXXX miles after meeting specific spend and bill pay requirements. After completing the requirements, I called citigold service once and talked through online chat to Citi twice to confirm that I had successfully completed the Citigold checking promotion. And the citi representatives had confirmed that I 've got the offer and need to file further investigation in order to reply the details, but I never got the reply since the representatives said they had replied me, and they filed a investigation again. My account has fully completed the requirements for the XXXX XXXX miles from the promotion I signed up for the citigold checking account. With the XXXX bill pays and {$1000.00} debit transactions completed. The airline miles would be deposited into my account after 90 days from the date of completing the program 's requirements. More than 90 days past without having the promotional miles deposited into my account.

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 2022-05-27
Company: Coinbase, Inc.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
It first occured on around XX/XX/XXXX, i fell victim to a multilayered XXXX hijacking operation orchestrated by a sophisticated con-artist ( the Scammer ), who hacked my computer to Connect my Coinbase XXXX. 

I did not authorize the COINBASE TRANSACTIONS. 
I was not the one making them. 

I lost XXXX ETH

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
WELL, MY ACCOUNT WITH SEARS CITIMASTERCARD WAS OPENED BACK IN 2013 WITH AN ORIGINAL CREDIT LIMIT LINE OF {$5000.00}. NOW, FOR REASONS UNKNOWN OR FOR REASONS OUT OF SPITE OR DISRESPECT, MY CREDITOR JUST RECENTLY LOWERED MY CREDIT LIMIT LINE DOWN TO {$4200.00}?! NOW, WHAT THAT MEANS, IS THAT CITIMASTERCARD WILL CONTINUE CHARGING MY FEES FOR BEING OVER THE LIMIT AT NO FAULT OF MY OWN!! UNLESS I FILE BANKRUPTCY? I TRULY BELIEVE THAT CITIMASTERCARD ENGAGES IN USARY & CHACANERY & FRAUD!

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 2015-11-05
Company: MORGAN STANLEY & CO. LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Saxon sold our borrowers loan to XXXX and I have been trying to get a release, XXXX got back to me and said yes. The release dept discovered that yes they did receive this file from Saxon when they closed but Saxon had already liquidated and charged off the account so all XXXX did was upload the file and did nothing on it as they realized Saxon sent them an already closed out file. They said they have several like this. With Saxon no longer in business, XXXX did give me XXXX number that is still in use where they just handle archived files. I called that number and it is nothing more than a message and it states if you are looking for a release you have to mail it in and gave a XXXX then says thank you goodbye and hangs up. You can not get a live person at all. I can mail it out however I can not even do XXXX with a XXXX. Just let me know what you would like me to do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have had autopay schedule for the years I have been with bank of america. I checked my account and noticed I was charged a late fee for no payment. I called to inform them that I had autopay scheduled and that it was in error, and they told me that it was my responsibility no matter and that the fee was valid even if the autopay did not work. I find this reprehensible and demand that they reimburse me the fee, and take off any negative comment from my credit score. XXXX, from Texas assisted me. The statement was paid off 2 days after the due date.

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 2015-09-05
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Issue: Billing disputes

Complaint:
I have a My Best Buy credit card issued by Citi Bank, N.A. Last week, I noticed a {$13.00} charge for " XXXX XXXX Insurance Fee. '' I never signed up for XXXX XXXX Insurance and I 've been charged for it every month since XXXX XXXX, 2014. I called the My Best Buy Customer Service and told them that I never signed up for this service. I told them I wanted to cancel it and that I wanted a refund. Best Buy Customer Service cancelled the service, but refused to issue a refund. I never agreed to pay for this service, so I should n't have to pay for it. These unauthorized charges add up to {$140.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-02
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have disputed the federal tax lien on my credit report with all XXXX agencies. Experian has removed the file from record but XXXX and XXXX refuse to remove the lien even after i have given then written proof of its dismissal. I have enclosed a copy of the Certificate of Release that is on file with the XXXX County Recorder. I would appreciate any help in removing this from my credit file for good.

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 2022-05-27
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX my home equity loan was sold by XXXX XXXX to Rushmore Loan Management Service ( " Rushmore '' ). The amount owed was paid in full on/or before XXXX, XXXX. As a matter of fact, the amount was overpaid and Rushmore refunded the difference. On XX/XX/XXXX, Rushmore sent correspondence requesting a payoff fee {$200.00} to close the loan and cancel the lien.

Your attention to this matter will be greatly appreciated. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: Experian Information Solutions Inc.
State: MA
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:
Not only this is taken more than 60 days to respond, but their investigation even prior to this didn't resolve my concerns. How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

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 2016-02-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX XXXX, 2015 I disputed an unauthorized inquiry on my report. I was unsuccessful in receiving a response from XXXX XXXX XXXX after not receiving a response, I sent my letter of concern to the XXXX credit bureaus addressing my concern. XXXX XXXX XXXX responded after the 30 day time frame only to ask to send additional information I have already provided. See information attached and remove this from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-22
Company: CAINE & WEINER COMPANY, INC.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Im demanding that this company remove this negative item from my credit report, as it was paid in full. Im also requesting a full detailed itemized report of the process of reinvestigation if they insist on reporting inaccurate information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: Convergent Resources, Inc.
State: MI
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:
XX/XX/22 - {$560.00} This account has been paid in full and it's still showing up on my credit report causing a negative affect. I wish to have this removed immediately. In accordance with the Fair Credit Report act. CONVERGENT OUTSOURCING, INC. has violated my rights, 15 U.S.C 1681 section 602 A states that i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 also states that 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 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have 5 employer listings that are completely wrong and need to be deleted and one account that does not belong to me and one account I was never late on and one account that is marked as a charge off which is false, I fully expect these items to be deleted

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: Experian Information Solutions Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX and again on XX/XX/XXXX. Today is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2016-02-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have a collection record on my credit report with Experian. This collection is regarding a medical bill. The reason that this bill is not paid on time is that I was never informed that I have this unpaid bill by either the hospital or collection company. 

First, I have never been contacted by hospital for this bill, and I thought it is paid by my insurance company. Second, after the bill was transferred to the collection company, XXXX XXXX, this collection company never contacted me regarding this bill as well. In fact, I never know this unpaid bill was existing until the landlord told me I had a collection in credit report when I applied the apartment in 2014. 

It is the hospital and collection company 's fault for not contacting me, while not my fault to refuse to pay it. My insurance company can cover the bill directly, so that I do not have motivation to default on it. Both XXXX and Experian have removed this wrong information after I dispute with them. 

Experian is the only agency that refused to remove it after I disputed with them twice. I strongly believe that Experian does not do their investigation and due diligence well, and allows this wrong information to continue shows on my credit record to indicate I had a bad record to pay the bill, which is clearly not the truth according to the facts I listed above.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XXXX of 2020 I received an email from Capital One that my online access to my accounts was blocked as they needed to verify my identity. I contacted them and submitted the requested documents. DL, SS Card and a letter to update all accounts. I was told that an old closed account from the XXXX that was in my previous maiden name was throwing a mismatch to their system. As of today, XX/XX/XXXX, I still have no online access to my accounts and at this time their system will not allow any payments to be made to my accounts even with the assistance of a customer service representative in any fashion. I have called frequently over the last 6 months and have been continually told that the case has been escalated to their " back office '' team and is still under investigation. Prior to XXXX I could make payments via phone with a rep. Now my accounts are locked for any kind of payments. Therefore, I am now incurring late fees and in 2 weeks will receive a 30 late credit reporting as they can not process payments.This is beyond frustrating and ridiculous now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-04
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experianis reporting XXXX from my credit report its 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 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
FCRA violations : inquires not mine XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX CARD Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX record until XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX record XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX FCRA violations : accounts not mine XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$450.00} written off. 
XXXX XXXX XXXX negative Date opened XX/XX/XXXX XXXX {$12000.00} XXXX Account charged off. {$19000.00} written off. {$12000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX negative Date opened XX/XX/XXXX XXXX {$0.00} Status Closed. {$23000.00} written off. 
XXXX  XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX type XXXX complex XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Resident XXXX Single XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Single XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Single family XXXX LOT XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident XXXX XXXX family XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident type Single 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 non-monetary relief