BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-05
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 received an email from XXXX XXXX of XXXX XXXX regarding her ability to get me a loan modification for my home. I was referred to her initially from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They charged me in total {$12000.00} to complete this loan modification. They took all of mine and my wife 's personal information ( SSN, DOB, DL #, Utility Bill, Insurance Card, etc. ). Throughout the course of time that I worked with them, they took our information and added fraudulent accounts to our credit files. This included collection accounts and several bankruptcy filings that were not from me or my wife. I caught on to what she was doing after the damage was done and informed her that I will be contacting the police. 

Since then, I have filed a complaint with the Texas attorney general, CFBP, and filed disputes with the credit bureaus. I have also requested information from the courts as well as XXXX since they report public record information. I have also filed a police report, identity theft report, and an identity theft victim 's complaint and affidavit. The court and XXXX both stated that they have no record of bankruptcies under mine or my wife 's name. I supplied all of this information that can serve as evidence of OBVIOUS fraudulent activity to all three credit bureaus to get the items removed. I have been successful in these removals with the exception of the bankruptcy filings reporting to Experian. XXXX  and XXXX have removed all of these same accounts. I know that Experian is independent of the other credit bureaus, but I find it odd that they were able to verify the bankruptcy information that the other bureaus were not. They say that the information was verified through XXXX, but based on my report and conversation with XXXX, this is not accurate. I even arranged a conference call between myself, XXXX, and the Experian fraud department. Even after being told directly from XXXX that this information is not correct, Experian still would not remove this fraudulent information. 

This is a direct violation of my consumer rights and I fully intend to pursue legal action in this matter if it is not resolved. I intend to seek maximum damages possible for all of the distress and suffering this event has caused me throughout the years. I hope by filing this complaint we can come to a resolution.

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 2015-11-11
Company: ERC
State: TX
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 DO N'T KNOW ABOUT THIS DEBT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-29
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021 at XXXX I received a text asking if I attempted to send money through a XXXX transfer. The text began with CHASE FRAUD. I responded " No ''. I tried calling the bank because I was very concerned and they were not opened so I called the number that sent the text. They told me to go online and log in to my XXXX account and type in the word " reversal '' for both transactions. One was for {$3000.00} and one was for {$2000.00}. I felt ok with doing that because I didn't have to enter in an email address or phone number which is what is required if you are paying someone. I then realized a few days later that this was fraudulent and the money came out of my account. I notified the bank and they said because I sent the money they could not give it back. I continued to call and spoke with a Chase Bank employee who looked at what happened and said someone hacked into my account and created the '' beneficiary '' the work he used titled " Reversal '' and that is why I was able to send the money without entering a phone number or email address. I recorded this call where the bank employee said my account was hacked and yet they have said they will not refund the money. Please assist as to what I can do at this time. By the way in the State of Georgia you can record without consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
i contacted equifax in regards to a inaccurate bankruptcy on my report, equifax said the account was verified, so i contacted the courthouse and county clerk sent back document saying they dont verify public records with the credit reporting agencies, so i sent this document to equifax and they basically verified it again, they lied they didnt verify anything, i want this deleted right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: EQUIFAX, 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:
1. On XX/XX/21 I sent a letters regarding inaccurate and unknown things on my credit report. Items from XXXXXXXX XXXX XXXX  and XXXX, XXXX were deleted from my report. On XX/XX/21 after I realized these items came back on my report without me being notified by writing in 5 days which is a direct violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ), I immediately filed another dispute.

2. I know that Both XXXX XXXX XXXXs and XXXX, XXXX have incorrect, unvalidated information because things such as the date of last activity, date opened, account status among other things are not identical across all bureaus. They are in direct violation of Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer.

3. Equifax has 7 derogatory accounts without creditor names on them and medical information! This is another direct violation. How am I supposed to even verify an account if I don't even know who to contact. I also know that all of these offenses should be a {$1000.00} each that the bureaus owe me in compensation. 

4. I feel as if I am being taken advantage of and my disputes are being ignored. They should be deleted they should be deleted promptly. I demand these unverified accounts be deleted, and any late payments that cant be verified be removed and the updated to paid as agreed. My information was also impacted by the Equifax data breach. 

I have done my research and I know I am entitled for compensation for these violations and they must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I've been with this credit card company for many years but got really disappointed on they had set up a cheating scam in the balance transfer offer, that all the purchase balance if ever happened after the balance transfer, will be charged with a high interest rate until you pay off the ENTIRE balance transfer with 0 interest rates. This is totally a scam as the reason you want the balance transfer is about the time to pay, so I made XXXX  of dollars purchase after the balance transfer and I did made XXXX  of dollars of payment try to cover the purchase balance, however these had been putting towards the balance with 0 interest rates. Right now I got a XXXX dollars purchase balance subject to 18 % interest rates forever before I totally pay off the balance transfer because none of my payment had been allocated towards that balance!! 

This is a common cheating scam that few of the small credit card company would do that people should be aware. I've been using balance transfer with other credit card companies for years and I never had that problem. ALL THE PAYMENTS SHOULD BE ALLOCATED TO THE PRIORITY OF BALANCES SUBJECT TO HIGHER INTRESET RATE FIRST!!!! THIS IS THE GOLDEN RULE OF THUMB!!! YOU DON'T TEND TO CHARGE THE CUSTOMER MORE BY SETTING UP SUCH TYPE OF SCAMS!!! 

And even think about this, the customer trust you guys using your card to setup for stuff like autopay, you are going to make them pay for high interest for those purchases forever before they finished paying those balance transfer offers with 0 interest rate? 

The cardmember service stuff who answered the phone had a nasty attitude, refused to help and being very proud of they are doing the right thing, also claiming that's the standard in this industry! Why you are saying that!!! That's so funny. By the way, I think throughout my experience, the customer service attitude for Fidelity credit card is always the worst!!!

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 2021-09-29
Company: Upgrade, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Hello my name is XXXX XXXX I had opened up a loan with Upgrade about a couple months ago and I can NOT access my account to 1 make payments other than my minimum 2 nor see how much grand total I owe after the payments They are charging me every month the minimum but I want to be able to send more but can not access my account I have called customer service 5 times and after being on hold for 30 minutes its automatically hangs up. 
I also have emailed them multiple times and they never respond to me to be able to reset my password or resolve the problem. Twice I have also gotten asked to leave a review for the person thats helped me yet I never once received help when I try to reset my password they say it sends a email and it doesnt. Another issue I saw was that I had aggreed for a loans of XXXX on my XXXX XXXX account it says they gave me a loan of XXXX which Im unaware of I just really need access to my account to be able to manage this and pay it off faster since this company is unreliable and the customer service is terrible

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: ERC
State: CA
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:
The collection agency never contacted me via phone call or letter stating this debt was outstanding and would be reported to the credit reporting agencies. It is now reporting as an open collection on my XXXX credit report as of XX/XX/2016, Because this company did not contact me within the 30 day reporting rules, thus giving me a chance to respond before it was reported to the credit agencies, causing my credit score to drop my credit score XXXX points which now disqualifies me to get a home loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-01-23
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This dispute has been faxed twice already and I have had no response from the CFPB or Equifax. The information required has not been supplied as asked for. A generic answer was supplied but, it does not answer the disputes question. until I get a satisfactory and accurate answer, this question/dispute will be repeated until it is answered. 
The CFPB has ignored my dispute in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
Either XXXX XXXX XXXX XXXX is reporting incorrectly, or TransUnion is listing this account incorrectly. 
2 errors. First, the charged off amount is not XXXX as listed on report. XXXX XXXX showed my chargeoff/remaining balance as XXXX. 
Next error is the date the account info will fall off of credit report. 
By them re-aging the date of original/first delinquency... .it moves the XXXX from XXXX ( see XXXX  letter ) to XXXX. 
As the letter that clearly is titled " NOTICE OF DEFAULT AND INTENT TO CURE '' shows a date of XX/XX/XXXX ... .this is the date of first delinquency, not the one being reported and preventing me from obtaining new credit!! 

This unfair re-aging prevents me from obtaining new credit due to the " recent delinquency ''. This should be removed after 7 years... not 11 years after the date of first delinquency!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-06
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: Information belongs to someone else

Complaint:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 2016-03-21
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The company XXXX is reporting that I have an outstanding balance with XXXX XXXX Apartment, attached you will find that XXXX XXXX responded to XXXX that I do not have an outstanding balance with them. I have disputed this information several times with the credit bureau and they have replied each time that the information that XXXX XXXX is reporting is accurate. If the company has replied stating there is not a balance with them then how is the credit bureau confirming that the information that XXXX XXXX is reporting is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: Park Hill Holdings
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 is incorrect

Complaint:
I applied for two apartments and they stated that I was denied based on my rental history and bankruptcy. I retrieved my SafeRent report and it states that for XXXX at XXXX, I owe {$480.00} from XX/XX/XXXX and {$1100.00} for XX/XX/XXXX. This was paid, I never went to court and the aformentioned apartment complex, I stayed in with a roommate ( who does not have this on her credit report ), we did not renew our lease in XX/XX/XXXX and moved out and paid all and any past due balances. I have rented in XXXX and this was never on my file, why all of a sudden, is this on my file now. I never went to court and was never evicted and have e-mails to show we left on good terms. This is outdated information and needs to be updated. I'm not sure why bankruptcy would show up as if I am currently in bankruptcy when it was discharged in XX/XX/XXXX. I filed in XX/XX/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 2015-09-20
Company: CORELOGIC INC
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
when I moved out of my apartment I owed the owner XXXX dollars. they took the money out of my check every pay period until they got the hole balance so every time I apply for an apartment I get denied. so I called the credit people and they said the owner was still on there. I really need that off I fax the credit people the proof that I payed it.so I really wana no can you take that off thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After Disputing my credit with Equfax by phone and on line the online report became unavailable. They continue to report multiple accounts it took 3 weeks to get them to send me a copy of my report by mail. They refuse to update my address information and are still reporting an address I have never had which ccould be associated with Idenity theft XXXX XXXX XXXX, XXXX Tx XXXX I have disuted this address several times. I never lived here or know how it has come to be on my report. They contine to report my student loans multiple times when I called the collection agencyes who they show to be reporting them I was told thet the reason they are showing up on my report is because Equifax is sending them repeated investigations ect but that they should have droped off after 30 days as they are no longer reporting them the loans have been discharged and I no longer owe them. They are reporting them 9 times.While there were only XXXX loans that have been completley dicharged. Also they have elected to now only report my negative credit and have erased all of good credit. which is only being reported by Transunion and experian. They wiped it off since 2013 when I last disputed my credit with them. Now because off their missreporting the amounts of inaccurate debts that were part of Identy theft XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX. They continue to report these account along with the collection agencey who continue to harrass me in regards to the stolen credit cards.By doubleing the accounts and in the case of the student loans trippleing the number of negative accounts tremendousley effecting my credit score. After contacting the above original creditors they have all told me they have no rights to the accounts they have long been sold and are not updating or any longer reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I called Seterus my loan servicer to inquirer about a possible Deed in lieu. They told me they would have a specialist call me within 72 hrs. Never heard from anyone so I called back and spoke to someone else. We discussed some things and he told me he will send out a application to fill out and for me to send back. In the meantime he will have some one call me to discuss my concerns, which was if I even qualify since i '' m not behind on my Mortgage. In the meantime I get a phone call and a mortgage statement that says I owe {$530.00} for legal expenses and that I do n't qualify. I inquired and they say the following. They did a title search, and see that I owe some money for Maintence fee '' s. I never told them to pull tile, I never signed a consent to pull title and all I was trying to do is inquire information. They are now telling me they pulled title to see if the person quilifys. But we were n't even to that point yet to go forward. besides who is to say that I cant pay the maintence fee that is owed. But my main concern is, who gave the right to go and spend on my behalf with out letting me know there will be charges. I know the note gives them the right to pay for force insurance, but even then they send you letter letting you know before they spend it. I know if I was behind in the mortgage it gives them the right to hire a attorney to pursue me. In this case I '' m not behind and I was only inquiring.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In 2015 Well Fargo froze my funds in my account because a {$2200.00} check was deposited into my account. The freeze on my account prevented me from withdrawing my funds for bills that I had to pay. I was late on my rent which was {$1000.00}, my car notes one was {$430.00} and the other was {$530.00} and my light bill {$200.00} due to this issue. When I called to inquire about this matter, I was told that the check that was deposited seemed fraudulent. In addition, they could not release any of my personal funds outside of the check that was deposited. The funds were released XXXX to XXXX weeks later and the account was automatically closed by Wells Fargo with no explanation. 

The funds were finally released almost 21 days later but that didn't stop the charges that I had to pay for being late and to the stress that it caused me.

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 2021-09-29
Company: Coinbase, Inc.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/21 my Coinbase.com account was compromised. The hacker logged in to my Coinbase account and sent XXXX XXXX and XXXX XXXX to their own wallet. The cash value was {$210000.00} USD. 

The Coinbase.com daily 'send ' limit on my account was {$1000.00}. Sending more than {$1000.00} in crypto should not have been possible. There were no emails, calls, or text messages from Coinbase asking for my approval.

Coinbase has accepted zero responsibility for their role in this fraudulent use of my account and has offered zero help in the recovery of the stolen funds.

Company response to consumer: Closed with explanation