BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-29
Company: EQUIFAX, 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:
On XX/XX/XXXX I submitted a complaint to Equifax in reference to XXXX XXXX  not reporting information correctly on my credit report. 

Prior to the current complaint, I contacted Equifax via mail about the inaccuracies on my credit report, however, I did not receive a response. I requested that Equifax, verify the account and perform an investigation per the FCRA. 

On XX/XX/XXXX Equifax completed their investigation and verified that the account is accurate and being reported correctly. HOWEVER, upon looking over my credit report, it is very clear that the investigation that was performed was not done so in a through manner. There are Discrepancies between my Equifax and my XXXX reports. The late payment dates are inaccurate. 

These findings indicate that a through investigation was not conducted. I would like to view the detailed information regarding the steps and procedures on how this investigation was initiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Experian Information Solutions 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 have been requesting that all three credit bureaus fix inaccurate information across my credit reports for months since XXXX XXXX and they said that these accounts was verified as accurate how can this be if all the reports are difference in there reporting.I have given the the chance to do there job.

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 2020-03-17
Company: Ideal Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I need help. I want to report that IDEAL COLLECTION SERVICES, INC is committing multiple violations to the Fair Credit Reporting Act and this is hugely affecting me. 

I want to mention two serious violations : 1. Reporting an incorrect opening date 2. Charge-off interest. 

Damages : legal advice expenses, not being able to obtain loan, emotional stress. 

Please forward the attached documents to IDEAL COLLECTION SERVICES , INC . 

Thank you so much, CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: PNC Bank N.A.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied the refinance through PNC Mortgage couple months ago. The loan application was preapproved and appraisal was done. However, couple weeks later, a mail was received saying the loan was denied. I tried to call the loan agent. He never picked up my phone or return my phone call back. I attempted to call multiply times to try to explain that some of the information that showing in the application was not correct during the application process and after the I received the mail. No responses. And the problem of insufficient income causing the loan to be rejected was never communicated to me before the appraisal appointment was set and after the loan denial. I wasted around 700 dollars for a non useful appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
Dear XXXX : After diligently trying to resolve a billing issue with Experian Credit Monitoring through their customer service department known as XXXX I have received no help and would like to ask that you look into the matter. 
In XXXX I signed up for their service, I called to cancel 2 years later not needing it anymore. A rep offered me a lower rate of XXXX down from XXXX. I accepted. Two years later in XXXX XXXX the company started billing me XXXX again. I did n't catch it until XXXX XXXX. I have attempted to resolve this overbilling with them but all they did was tell me they would refund one month which they have not ( been almost 1 month since then ). They state that I was on a trial when in fact my trial month was way back in XXXX. I was in fact on a reduced rate with no given expiration. I am very distressed that this criminal business practice is not prosecuted. I 'm looking to you for your help. All correspondence is included below. 

As you can see from the bills uploaded, XXXX/XXXX/XXXX as well as bills from XXXX and XXXX of XXXX ( new doc XXXX ) my rate was XXXX, more than 2 months before it went up, proving I was not on a 30 day trial. Additionally, I still have received NO REFUND as they stated they would give me 1 month as a courtesy. This disreputable business has taken my money and wasted my time. Please help. 

XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-18
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have not been able to find anyone at the credit reporting agencies whom can assist me. I am seeing " soft '' credit inquiries on my report that I am not authorizing. Companies are doing soft credit checks then sending catalogs out I am not asking for. By sending these catalogs out, it opens the door for someone other than me to use credit in my name. It then becomes burden of proof I did n't request it. There are multiple inquiries that are sister company 's of XXXX wards. 
I do not authorize anyone with out proven written evidence I have authorized a credit check.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-11
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was on the Harp program with Citimrtgage and I got behind and asked for help in adjusting a payment for two months and they refused. I appealed the ruling and they placed me on Harp 2 which resulted in my loan being saved by XXXX XXXX. Throughout the process of re mod I paid a trial payment but Citimortgage put negative late payments on my credit while I was paying the trial payments. I want these late payments removed from my credit adapt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have mailed a dispute to Credit bureau and company I mailed out validation letter and they didnt validate proof that the accounts are mine they didnt provide proof Explaining and calculated what they say I owe. 
They didnt provide me with copys showing I agreed to pay what they say I owe. 
Dont provide statue of limitations hasnt expired. 
Show me that there license to collect in my state. 
Nor provide me with a license #. 
Nor signature on agreed contract. 
they mailed me a bill what they say I owe not valid proof

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: CrossCountry Mortgage LLC
State: MA
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:
My husband and I refinanced our mortgage in XX/XX/XXXX with Cross Country. Since then, we decided to refinance with a small bank on XX/XX/XXXX but this time to take money out. 

When going through the refinance process with the new bank, Cross Country wanted to compete with the rate both me and my husband were offered by the small bank. Cross Country did not want to lose us as customers. We sent them the rate information we received from the small bank to see what they could counter. Cross Country said they could beat the rate we were offered ( based on our old records ) by the small bank but at that ran a hard inquiry without warning or approval from myself and my husband. We never heard back from Cross Country as to that rate was. I=Both myself and my husband received a hard inquiry notification from XXXX XXXX on XX/XX/XXXX and it wasn't until the next day that I decided to contact Cross Country about that. I contacted them on XX/XX/XXXX about the hard inquiry. The woman who answered took my information and said someone would return my call within a few business days. It is now XX/XX/XXXX and I still have not heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
THIS CREDIT CARD WITH CAPTIAL ONE I FULL OF FRDUALENT CHARGES. THE REFUSED TO WORK WITH ME, AND HAVE SENT THIS ACCOUNT TO COLLECTION, IVE TRIED TO DISUPTE THE CHARGES AND EERY THING THEY REFUSE TO COOPER ATE I EVEN OFFERED TO SETTLE THE DEBT WITH THE COLLECTION COMPANY AND THEY REFUSED TO DISCUSS THE MATTER. THEY SENT IT TO A LAW FIRM, WHO SENDS YOU OFFERS OF SETTLE MENT, AND WHEN YOU GET THE MONDY AND CALL IN THEY INCREASE THE AMOUNT AND SAY THAT OFFER IS NO LONGER AVAIALBE. I HAVE NEVER HAD SO MANY ISSUES WITH A CREDIT CARD IN MY LIFE. THEY ARE A BILL BULLY, AND STAFF ARE RUDE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: WELLS FARGO & COMPANY
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 call WF CRD SVC today about this Business type Bank Credit Cards I didn't apply for I don't bank with Wells Fargo never have open up account with them they ask me for my name and social security number see if I have a account with them it came I don't someone have a bank credit cards in my name it on my credit report and this XXXX XXXX XXXX to someone apply for some type Business Bank Credit Cards I don't know this bank

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 2022-08-16
Company: Experian Information Solutions Inc.
State: VA
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:
n accordance with the Fair Credit Reporting act XXXX Account # 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 2 : It also states a consumer reporting agency can not furnish a 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 2021-08-26
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have tryed to contact this company ( Coinbase ) over 65 times, you can not contact them by phone only email, they will not let me access my account, and they will not send me security codes to my phone .WE have gone back and forth with this company for 5 months, they are such a scam artist company,,, what kind of company has no live customer phone service?, that should have been my 1 st clue that they were fraudulent, i have contact New york State banking commission , and other agencys, i will serve them with acompliant if you cant help me. I transfered {$1000.00} back in XX/XX/2021 to them, and its been a nightmare ever since. I will contact my bank to see if there any recourse., but im sure they wont be able to, ,please forward this case to any other agencies thyat you think might be able to help me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-19
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have Wells Fargo mortgage and the insurance company. After deciding to switch homeowner insurance companies. Wells Fargo suggested we use their company. We found out they do n't have an insurance company, and instead uses XXXX 's. We were paying the insurance company directly, then wanted to see how it work if Wells Fargo paid through an escrow. When we tried to close the escrow account, Wells Fargo claimed we agreed to pay escrow for the " life of the loan '' which is neither a legal requirement nor a contractual one. They sent a copy of the papers which do not confirm their statement. In fact, our mortgage agreement states " XXXX '' is due for escrow. The mortgage was created in XX/XX/XXXX, and the escrow account in XX/XX/XXXX. Attached is the monthly payment agreement page from our contract. 

Your agency is not looking at the papers, and Wells Fargo is aware that you are not reviewing them. Wells Fargo is engaging in fraud by submitting false documents under of the pretense of compliance. We have no contractual obligation to keep an escrow account especially since they are holding three times the legal limit RESPA sets. 

PLEASE CONDUCT AN INVESTIGATION.

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 2022-08-04
Company: Experian Information Solutions Inc.
State: WI
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 everything has to be 100 % accurate on my credit report. 
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate? 
This is grounds for removal. 
They also violated my rights under 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 15 U.S.C 1692c Section A : States that without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2020-03-17
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I started going to school at XXXX College in XXXX County, IL in XXXX. When given the pitch about the college, they claimed to be able to put 98 % percent of their students into the field that they would be studying for. On top of that, they also claimed that at any time, I could return to the school for free retraining after graduation. 

It was not until I graduated that I learned that it was not an accredited school, so if I were to continue my education elsewhere, I could not use the college credits. When they attempted to put me in my field, they kept trying to put me in customer service positions, such as a XXXX  XXXX  at a XXXX  XXXX down the block from the school, or giving me tiny XXXX  jobs, for companies that I believe don't even exist, due to looking them up and nothing about said company ever appeared. An example for this was a XXXX  XXXX  for a company called 'XXXX XXXX XXXX ', I have never heard of that company before or ever since. 

When attempting to find a position in XXXX XXXX  of XXXX  XXXX, a majority of employers would simply not call me back, give me the excuse that they were still looking, but in one instance when I asked if the head of the building was in, and was given an interview on the spot. When given my resume, they proceeded to laugh at after seeing that I went to XXXX. This prompted to do some investigation and found that there were many lawsuits and even ones that were won for their criminal justice students in XXXX for the sum of XXXX XXXX dollars. 

That being said, if this was the case for the criminal justice students, shouldn't it also be the case for all the other XXXX students as they have been found to not be keeping their promises and were essentially successfully sued for it by the attorney general of Illinois at the time, XXXX XXXX. 

I feel as though I should not be held responsible for paying back the student loans as given the information above, any and all XXXX College students should of been contacted or made aware of these lawsuits and given the chance to get in on them so that they may be absolved of the debt that they were wrongly put into.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: MA
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:
I am a natural person, I am a living human being, I have rights under 15 usc 1681.

Equifax is a govern by 15 usc 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed According to 15 usc 1681 : I have the right to privacy and I did not give equifax written permission to furnish these accounts. 
Accounts number XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: CITIBANK, N.A.
State: MD
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:
Citifinacial reporting false information to all XXXX credit reporting agencies twice under XXXX account # 's and never gave me the opportunity to dispute the debt before it was added to my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This past XXXX my husband called XXXX  XXXX  to inquire how much longer we had to be with them before we canceled and be penalized? I was standing in the room listening as their representative stated that we could cancel then without any penalty. He stated to package everything up and send. We did as he stated. Time has passed and now its XXXX and I receive a letter from Credence Resource Management that XXXX XXXX XXXX that I owe a huge amount ( {$230.00} ) and its delinquent. I disagree Totally!!!! I am striving every day to make my credit better and once again I hit a pitfall. We would have never canceled if he had not told us no penalty would be applied and why wait 4 months without receiving any billing statements?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-26
Company: Experian Information Solutions Inc.
State: HI
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 demand this account be deleted from my credit report, XXXX XXXX account is being reported with inaccurate information and after being disputed nothing has been done by the credit bureaus, leaving the innacurate information on my credit report is a direct violation of the FCRA, all information on my credit report must 100 % accurate and verifiable across all bureaus or be removed. 
XXXX ) inaccurate information being reported across Experian and XXXX is as follows a ) high credit limit - inaccurate b ) credit limit- inaccurate c ) date last reported - inaccurate d ) date last active-inaccurate XXXX ) date of the last payment-inaccurate f ) no notice of dispute on this account g ) payment status on XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX is being reported inaccurately which is a major violation of the FCRA and should be removed immediately.

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