BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-28
Company: EQUIFAX, INC.
State: NC
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:
This is the 2nd complaint I have had with this issue with Equifax. When I called them directly they informed me they did not have my FTC report and once they received it then they would delete the information off of my report. They were provided a copy of my FTC Theft report and the information remained. I called them on XX/XX/2021 to inquire as to why they were not removed after I followed their directive. I spoke with XXXX ( XXXX ) and informed him of what I was instructed to do. He put me on hold for a minute and came back and informed me my report was invalid and the information wasn't deleted was because the inquiries did not have dates beside them. Once that was done then I needed to submit it again to CFPB and it would be taken care of within five ( 5 ) days. I informed him I didn't understand why since I did not have to do that with the other XXXX bureaus and I was not informed to do that when I called the last time. I also informed him I was sure the calls were recorded so he could check the accuracy of my statements. I informed him I would provide another FTC report and file ANOTHER complaint and upload it on the CFPB website. 
Again I have not had this issue with XXXX or XXXX. They have been extremely helpful in informing me the first time of everything that needed to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Bliksum, LLC
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: Account status incorrect

Complaint:
1-This company called ( Loanme ) is involved in reporting erroneous information about me to XXXX  at the status level where they write : Charge-Off. 
For recall, the account was settled and paid therefore the status shouldn't be charge-off anymore. 
I have attached proof of settlement and paid off on my complaint.

2-This company ( loanme ) is also reporting wrong address information about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: Experian Information Solutions Inc.
State: TX
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:
I disputed on XX/XX/XXXX with the bureaus regarding a late payment that is COMPLETELY inaccurate as well as a collection that no one has yet to verify or validate for me as being accurate, therefore I do not feel I am responsible for it! Since the bureaus didn't correspond with me about anything, I disputed again on XX/XX/XXXX and yet again, the bureaus have ignored my request, this is very negligent and not fair to me as a consumer!

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 2017-05-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I never do this but my disappointment in USAA is extreme. I have been a member for 20 years. I was an employee for 6 years, and for the life of me I ca n't understand the way this bank has changed. Today I made a mobile deposit using a money order. Without prior warning before the deposit, my funds were put on hold for a week. I make this same transaction every month to pay my rent but for whatever reason this time my funds have been placed on hold. I was transferred to the executive resolution team and was told they will review for an exception. I was denied this because, I do n't deposit enough money to get the exception. What kind of treatment is this? I have a direct deposit every  2  weeks, and the solution I was given is to apply for a USAA credit card or borrow the money. Unbelievable USAA. What is the difference between you and  XXXX   XXXX  or  XXXX  or any other big bank that only cares about their profits. Do you even remember what it means to serve? What does  XXXX  stand for USAA. Lesson learned. Sure my rent check will be returned and you will charge a NSF fee as well as whatever fees my landlord is going to charge. Thanks  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXX XXXX  is reporting incorrect information to the credit bureau concerning my monthly payment. They are reporting my regular monthly payments are XXXX when they are XXXX. I have tried to talk to these people, but they insist they are not, and will not change this. I once had an escrow with XXXX, and they did everything in their power to make me have an escrow account with them during the time I had my own mortgage insurance. Now they are saying I have an escrow account with them and the monthly payments are XXXX. This is not true. They are also saying I owe a balance on the escrow when I had them to close it because they were asking me to send them XXXX dollars a year just to sit in an account for mortgage when my yearly insurance premium is only XXXX. So they are reporting this to the credit bureau, which means if my monthly mortgage is XXXX, and something happens to me, and my XXXX  are left behind to pay this mortgage, or pay it off, or even if I decide to pay this off in a lump sum, this will be a problem. If they insist on saying there is a balance on an escrow account, why aren't they saying " previous escrow balance '', and not add it in the mortgage to reflect a increase in my regular monthly payment.

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 2017-05-10
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In   XXXX   I applied for student loans through  XXXX   XXXX  which is now Navient. I am now in debt for about  XXXX . At  XXXX  in   XXXX   I did not establish credit so my parents consigned my loan for me. My parents have always had  XXXX   credit score  but Navient/  XXXX   XXXX   still gave us a very high interest rate of 24 %. It was n't until recently when I lost my job and was able to lower my interest rate. Every time I 've called in the past their only option for me is to refinance the loan or use another loan company to pay off the loan and start paying them. I 've been researching online about the lawsuit out against the private loan company. I feel like I was wrongly represented by Navient and was given a high interest rate off the bat even though my parents had excellent credit. I have been struggling to pay off such a large around and it has affected my credit. If there 's anything that can be done for me to get this loan forgiven I would truly appreciate anything that can help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: Coinbase, Inc.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Bought {$5000.00} worth of  XXXX  from Coinbase on  XXXX   XXXX .  XXXX  was promised to arrive in my Coinbase  XXXX  wallet on  XXXX   XXXX . It is  XXXX   XXXX  today and I still do not have the promised bitcoins. Funds were taken out of my bank account by Coinbase. Coinbase customer service is non existent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: BB&T CORPORATION
State: DC
Product: Credit card
Issue: Transaction issue

Complaint:
XX/XX/XXXX BB & T Bank XXXX XXXX XXXX XXXX, NC XXXX XXXX : XXXX XXXX Credit Card account SS # XXXX, DOB XX/XX/XXXX This letter is a formal complaint that you are reporting inaccurate credit information to all XXXX credit bureaus. I have made many attempts requesting that you correct this with no response from BB & T. 
1. I 'm requesting that you remove all 30 day late payments this was a bank error. 
2. Please contact the branch that handles my accounts the payments were set up on auto draft. 
3. Your contact person is XXXX XXXX located at BB & T XXXX her direct number is 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 2017-05-10
Company: UMPQUA HOLDINGS CORPORATION
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I file a complaint, your case number,  XXXX , and all that 's sufficient for you is for this bank to respond regardless of their response. Does n't matter that I am satisfied from the wrongdoing this bank did. They respond, you close the case. That 's good enough for the CONSUMER FINANCIAL PROTECTION BUREAU? And then I ca n't even respond or give you feedback because that link is broken. Pathetic. You 've effectively created a website that serves little to no purpose. I 'm still not satisfied and fully expect you to force this bank for a complete and full refund

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 2017-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
HELLO, THIS HAS PREVIOUSLY REPORTED AN ACCOUNT IN ERROR LISTED AS  XXXX   XXXX  ,  XXXX . '' I HAD NO BUISNESS WITH "  XXXX   XXXX   XXXX  OR   XXXX   XXXX   XXXX   '' AND THIS MATTER WAS REMOVED FROM ALL  XXXX  REPORTS, AND NOW PLACED ON MY REPORT AGAIN.     I REQUEST CFPB LOOK INTO THE MATTER AS THIS SHOULD NOT OCCUR AND THIS IS NOT MINE OR IS NOT CORRECT.     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 2017-05-10
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
HELLO, THIS HAS PREVIOUSLY REPORTED AN ACCOUNT IN ERROR LISTED AS  XXXX   XXXX   XXXX   XXXX . '' I HAD NO BUISNESS WITH "  XXXX   XXXX   XXXX  OR   XXXX   XXXX   XXXX   '' AND THIS MATTER WAS REMOVED FROM ALL  XXXX  REPORTS, AND NOW PLACED ON MY REPORT AGAIN.     I REQUEST CFPB LOOK INTO THE MATTER AS THIS SHOULD NOT OCCUR AND THIS IS NOT MINE OR IS NOT CORRECT.     THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
1-This company called ( XXXX ) is involved in reporting erroneous information about me to experian at the status level where they write : XXXX. 
For recall, the account was settled and paid therefore the status shouldn't be charge-off anymore. 
I have attached proof of settlement and paid off on my complaint. 

2-This company ( XXXX ) is also reporting wrong address information about 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 2021-12-28
Company: Experian Information Solutions Inc.
State: NY
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 XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Experian efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Experian is reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must 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 explanation
Consumer complaint received 2016-08-19
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had a debit that was included in my chapter XXXX BK, almost two years letter this item showed on my credit reports under collection status for Midwest Recovery Systems. This dropped my credit score XXXX points. I called them and they said their client had n't informed them that it was included in BK, but the damage had already been done. It took them 30 days to remove this incorrectly put item on my credit reports. Its still showing up on my XXXX. I thought this was against the law for them to do that since I am protected by BK laws. They should be fined for this. I should sue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: DriveTime
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry by DT CREDIT on XXXX/XXXX/2016 that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. If you believe that you posses sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity.

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 2017-05-10
Company: WELLS FARGO & COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I opened a checking and savings account with  Wells Fargo  late  XXXX   XXXX . I specifically said I only wanted a checking and savings account and nothing else. A couple of weeks later in  XXXX   XXXX  a credit card shows up at my door step. I specifically did not ask/want the credit card. I activated it a couple of weeks later. I called them  XXXX   XXXX  and asked where the card came from, no good response. I called them  XXXX   XXXX , after the whole banking scandal, no good response.     I then checked my credit report  XXXX   XXXX  and saw that that they did a hard credit pull on my account for that credit card. I called them and told them I did not authorize it and they did not tell me they did a hard pull on the account.  XXXX   XXXX ,  XXXX  I talked to one of their customer service reps and the guy said if you cancel the card we can send a letter to the credit bureaus and retract the credit pull. I said fair deal. I got a call today  XXXX   XXXX ,  XXXX  and the guy was from " executive '' relations and he said that is not something they 're going to do because I " benefited. '' Well they 're not removing the credit pull, I closed the card, and I lost the points I accumulated.     Basically, it 's the worst customer service I 've ever had and least amount of answers to my questions. I 've NEVER, EVER had a credit card or bank account for less than a year from opening. I 'm usually the type that rolls with the punches but  Wells Fargo  was really good at driving me away.

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 2017-05-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Got a call from a stranger ab out 2 weeks ago saying  that he can view all my business account information. I thought that it was just a scam but then he emailed me screenshots with all the transactions I have but under his login page. The I called Bank of America and after talking to the customer service for more than an hour, they finally found that my account is " mis-linked '' to someone that I have never met before!!! The lady told me that the case will pass to   " Privacy Department '' and they will investigate and get back to me soon.
As you can guess by reading this message, nothing has happened. All of my account transactions are  XXXX  in f  ront of someone I did not authorize to is bad. What 's even worse, that customer service lady is longer taking/returning my call despite of the few follow-up messages I left for her in the past few weeks ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
On XX/XX/2016 I filed with Quicken Loans to refinance my mortgage. I paid {$500.00} for the adjuster to give me price on my house. I currently have a FHA Loan at 3.5 % I sent every paper they asked for. Called them every few weeks for update on closing. On XX/XX/XXXX they told me the loan could not be finalized at the rate I was promised because too much time had lapsed. It is not my fault time lapsed. I want my {$500.00} for the adjuster that I paid in full as requested by Quicken Loan and than they cancel?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: Quality Recovery Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have  sent Quality re covery services, inc money orders showing I did not live in   XXXX   XXXX   in  XXXX  of   XXXX   they keep sending me a lease from  XXXX  like that proves something. I sent them proof that it was n't the first time this complex has tried to say I owed them when I did n't. they changed management many times because of their not so ethical tactics. I have never owed or ever paid my rent late, I 've told this collection agency that this is false information and not true and to remove this off of my credit report. I know that they do not have a contract that I signed with them, showing me an old lease is not sufficient especially since I sent proof of money orders paid to another complex in  XXXX  of   XXXX  . Please have them remove this information from my credit report. Thank you, sincerely

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: EQUIFAX, INC.
State: FL
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 am XXXX XXXX and there is no third party involved. I am filing this compliant for misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
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:
B of A ( VISA-XXXX ) new card. XXXX 1. B of A never notified me of FIRST payment due by email or post, even though I called weeks before. Mailed bill arrives XX/XX/XXXX with payment due date XXXX XXXX {$110.00} interest for late payment 2. XX/XX/XXXX call. I asked interest to be reversed or I would close account. They would not reverse fee and I closed account by phone and paid off entire balance with associate by phone. I was told I could no longer access the account on-line but it was closed so no problem. Zero  balance. I understand/ accept their business decision 3. XX/XX/XXXX I received mailed statement showing overpayment balance of - {$9900.00} with my bank account debited XX/XX/XXXX. 
4. I call, 45 minute wait. talk to two agents, one supervisor XXXX ( ID : XXXX ). I explain the situation. He states the B of A algorithms are correct and there is no problem and money will be refunded, but he can not tell me when. " B of A will not pay any interest because their processes are ok. '' 5. I ask for interest for the money B of A borrowed from my account. he says " Good Luck with that. ''

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 2015-11-23
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I disputed this account with Commonwealth Financial Systems via certified return receipt letter ( attached ) on XX/XX/XXXX. The company has failed to verify the account belongs to me and I have no knowledge of this account. It has not been deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
issue started with hsbc i n  XX/XX/XXXX / XX/XX/XXXX  and several collection companies. finally after years of being harassed I got it taken care of thru your agency. But like a bad dream it is back on as a new credit card collection syarting in  XX/XX/XXXX  and companies are harassing and threating me. I had documents from HSBC that were  destroyed in hurricane that was letter from company back years ago stating not mine. it is now being reported as new collection from several companies.  One  company is  XXXX   XXXX    XXXX     XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   tx  XXXX   XXXX  in my old file with you last year is a copy of the letter from them.. this account is over  9 years o  ld a nd continues to come back and ruin my credit. please contact me asap  XXXX

Company response to consumer: Closed with explanation