BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX GEORGIA XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : 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 2021-05-19
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Dear Sir/Mdm, I set up a crypto currency digital wallet with Coinbase on XX/XX/2021. 
Bought some crypto coins and transfer into the wallet. 
On XX/XX/2021, i realised that most of the coins were missing from the wallet and i tried to log out and log in again using the 12 words recovery seed. The coins remains missing and the original wallet also went missing and was changed to another public address. 
I contacted Coinbase since then, they are unable to resolve this issue or recover my coins. 
I believe that there is a Coinbase system glitch that results in my missing wallet and ask for compensation in terms of number of coins that were in my wallet before they went missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The number I listed below call 's the above listed business number XXXX to XXXX times a day and when the phone is answered on my end the line is disconnected. This go 's on 7 days a week. Our answering massage states " Thank You for calling XXXX XXXX ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
To Whomever This May Concern : I need my balances updated via the credit bureaus please for XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. They are reporting incorrect balances on the bureaus. I need them to update them.

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 2016-02-11
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
My first one was modified under the government program by XXXX in 2011. Immediately after that I filed a modification request with my then bank, PNC mortgage. PNC mortgage, instead of doing a loan modification under the government 's XXXX program, they just kept asking me for a lot of paperwork over and over again. After fulfilling all of their requirements and demands, they sent me a settlement offer asking me for a 25 % amount. I contacted them and told them that, that 's not what I asked for. I asked for a modification under the government program. after yelling at me for not taking the 25 % settlement offer, they finally asked me to re-file my paperwork for the government 's XXXX modification. The process started all over again. They requested all kind of paperwork. I fulfilled all of their demands. After waiting for a while ( 90 days ) they told me that the paperwork that I send them has no expired and I would need to file again. and I complied and do that again. This process repeated several times over the course of one and half year. after doing his own and over again, I received a letter that they have transferred servicing of my loan to another service. I tried very hard to work with them just as previously I had worked in XXXX XXXX and PNC mortgage bank. 

My loan is still owned by PNC bank. However after trying for so many years I have never gotten any review under the federal government 's XXXX program for home equity line of credit. Currently, XXXX of the collections agency, XXXX, is trying to foreclose on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I am consumer who may have been victimized by collusion among XXXX industry regulated professionals from Wells Fargo Bank, XXXX and their chosen real estate appraiser. Please refer to the participants listed below that are subject to this CPFB complaint. 

Buyer/Realtor/Borrower ( same person ) made an offer to complainant to purchase a property. Complainant in this matter is also the Seller and a licensed Realtor selling his own property. 

Buyer and loan officer have a close and personal relationship. The same loan officer has represented to Seller that he has performed prior mortgage transactions for this same Buyer/Borrower in the recent past. 

Lender ordered an appraisal which was conducted on XXXX XXXX, XX/XX/2015. Indicated value was $ 60K below contractual purchase price in an otherwise very vibrant and thriving market where the subject property is located. Abundant supporting comparable sales data exists. 

The appraiser seemed to go out of his way to select very old and outdated and inappropriate comparable sales data in what appears to be in an intentional effort to drive the property value down. The appraisal report is attached to this complaint. 

Seller requested, in writing, that Wells Fargo Bank issue a challenge to the appraisal report. Complaintant also requested that Wells Fargo Bank arrange a customary supervisory field review. Wells Fargo did not act upon the Seller request. Instead, the Buyer/Realtor/Borrower insisted upon renegotiating the purchase price relying upon an obviously flawed and frivolous appraisal report. Seller/Realtor did not acquiesce. 

An egregious attempt was made to bring about intentional economic disadvantage to the Seller. 

There outward appearance of intentional collusion exists between the parties. 


Buyer ( also acting as her own Realtor ) XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Agent - XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX # XXXXWells Fargo Bank Loan Officer ( and personal friend of Buyer/Realtor ) XXXX XXXX Mortgage Consultant, XXXX ID XXXX XXXX XXXX Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX | Cell XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXXXXXXXXXX ( XXXX ) XXXX Appraiser Certification : XXXXComplainant : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Good afternoon, we have about 3 credits cards that refuse to wok with us due to the corona virus, I retract that 2 helped in the beginning but we are still not 100 % back to work as our governors has a mask mandate in place and my husband and I have a medical condition and can not wear a mask and most of our customers are requiring masks to be worn in their homes. At first some did postpone payments however the interest kept on being added and some late fees, which this brought us passed our credit limit, now that they have stopped and are wanting payments to resume they want $ XXXX to {$1700.00} up front which of course still not working 100 % it almost impossible to do, so now late fees are piling on, reporting to credit bureaus are still going on ( which they did even when they were not requiring payments ) My XXXX XXXX XXXX   MasterCard - XXXX XXXX  XXXX Costco - Citicards XXXX BestBuy Credit Services XXXX I also have credit companies that have reduced or closed my accounts even when there was no balances or was never late and still making payments i.e. The home depot card ( which we use for business ) XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX   and several others. 
I have no problem making payments to these companies but they have to be reasonable with payments as this is NOT something we caused, I have told them we can probably do $ XXXX {$150.00} per month and we even asked for them to reduce interest and stop late payments but they will not work with us. 
Thank you XXXX XXXX XXXX XXXX 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 2020-03-07
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX. 
Dob- XX/XX/XXXX Last 4 ss- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx, XXXX I XXXX XXXX am writing to dispute the following unauthorized Inquiries that are listed in my credit report. 
I do not recognize nor have I done business with any of the accounts listed below and Im requesting that all inquiries listed below be immediately removed. 

XXXX XXXX Inquiry date : XXXX XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
After sending out multiple letters attempting to receive a response and have the information on my credit report updated correctly, I am being ignored and not given any correspondence from the bureau. I understand they have 30 days to complete their investigation and as of yet I have not received information in the mail and also I have not had the items changed to the correct status. I am very distressed and in need of some correspondence. I sent letters on XX/XX/20 and after not receiving any results I followed up with an additional letter XX/XX/20. It is now XXXX and I have heard nothing. I will be sending out another letter to attempt to have these erroneous items addressed and hope to receive a response and corrections. I will also attach the letter I am sending today. Thank you.

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 2017-02-25
Company: CAVALRY INVESTMENTS, LLC
State: NJ
Product: Credit card
Issue: Other

Complaint:
I have been fighting with Cavalry SPV I LLC regarding their practice of illegally re-aging my collection account in an effort to cause undo financial hardship on me. This seems to be a common practice with today 's debt collects where they buy a debt that has aged out 5-6 years and then re-report it on your credit report as of the date they purchase it. The problem is by law ( in most states ) the collection account is only valid on a personal credit report for a total of 7 years. When the collection company re-ages it, the consumers credit scores takes a significant drop ( in my case over XXXX points ) as the debt looks like it just went to collection. Secondly, they do this so they can have the debt on your credit report for an additional 7 years. This Company should be investigated for their practices not only in my case but in all the consumers they have affected. I have went thru the expense of hiring an attorney to assist in this as well but it seems to fall on deaf ears. The Company 's lawyer ( who I will list below for CFPB to contact ) claims her client knows nothing about the issue and refuses to address it. So here we are, hopefully the CFPB can address this promptly and all the consumers who have been violated under the law will take some form of satisfaction in seeing Cavalry SPV get what they have coming to them. {$1000.00} fine for each violation. The max allowable by law. 
Attorney for Cavalry : XXXX, XXXX. 
XXXX , XXXX 
XXXX, NJ Office : XXXX, XXXX, NJ XXXX Tel : XXXX Fax : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: Amscot Corporation
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have told them numerous times that I am not the female they keep asking for. I have explained to them I will be reporting them. I have told them to record all my conversations with them and to put my complaint in their computer. I just received another phone call today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: College Foundation, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I previously sent College Foundation a cease-and-desist letter letting them know to stop contacting my family members and friends about the debt they say I owe but yet after I sent them to cease and desist letter  they're sending me this letter dated XX/XX/2020 which is a violation of the cease-and-desist letter that I sent them certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX US DEPT OF ED/XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
We are a XXXX XXXX and were told by the store manager that we WOULD NOT BE CHARGED INTEREST on this account which has now been paid off. She told us it was a same as cash offer and said we would receive this incentive for opening the account. Our XX/XX/2016 statement shows they charged us {$230.00} in interest for 2016. Our account number is XXXX. I want a refund check for {$230.00} sent to us immediately. If they do not send our money, we plan to seek legal action. 
Thank you, XXXX 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 monetary relief
Consumer complaint received 2022-09-17
Company: Experian Information Solutions Inc.
State: IL
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 been trying to fix my credit reports I cant access them because of auto loans I dont have Someone used my name to get apartment There are credit card and loans dont belong to me Ive wrote XXXX XXXX XXXX and Experian I have complained to ftc and police this has been reported for past 5 years nothing

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 2022-09-17
Company: EQUIFAX, INC.
State: MD
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 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 UPDATED. 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 corrected. 
XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: JPMORGAN CHASE & CO.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have an Auto Loan with chase, however in XXXX, when making the XXXX payment, the payment went to the principal due to an error in the system. I never wanted to pay the principal, I was just making my monthly payment normally. I can't speak to Chase on the phone. I ask that the payment made in XXXX be reversed and applied to the payment due in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: EQUIFAX, INC.
State: IL
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:
This is proof Equifax is not doing a proper investigation and XXXX is using E-Oscar to submit information without providing any proof they're providing accurate information. I have submitted multiple documents that prove they can't validate the information they're providing and they need to be reported to the FTC. XXXX and Equifax are in violation and I need to be compensated for this continued violation at {$1000.00} per month. I have been disputing this inaccurate information for over 18 months and Equifax and XXXX are both liable for the damage to my credit that has occurred. I'm asking for {$27000.00} from both companies as they're aware they're committing this violation and realize there aren't any consequences for this known violation. Hold them responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
What happened was I recently started taking a look at my credit reports after being denied credit and I am concerned to find an account reporting incorrectly by LVNV FUNDING LLC. I sent multiply letters to them regarding this issue telling them that this information is invalid in the amount of {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: ACS Education Services
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
ACS was the servicer of my old loan and XXXX took over the loan in 2014 and the balance was paid to XXXX . I filed a dispute with ACS because of incorrect payment history on my credit report. The dispute was finished and the some of the payment history was deleted but then then the loan turned into a collection with a XXXX balance, which is highly incorrect and illegal. The original loan balance was no more than XXXX so I know the balance is incorrect. ACS just put a random balance on my credit report. I need proof of this amount and I need ACS to send the paper info with all included loan balances and payments to me. This is highly against FCRA law and I 've file multiple disputes with them and the credit bureaus. I need ALL NEGATIVE payment info submitted by ACS to deleted ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-03-16
Company: LOBEL FINANCIAL CORPORATION
State: TX
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:
Pulling up old addresses where I dont live sending letters and unwanted phone calls

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: U.S. BANCORP
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They have called and threaten to seize my accounts, to come to my work and home if i do n't pay the account by  XXXX   XXXX  today. I 've asked them not to call as well as told them this has already been paid, in  XXXX . They refuse to give me the name of their company and when I look it up it is a cell phone they are calling from. Last contact was today  XXXX / XXXX / XXXX  around  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