BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-03
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
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:
Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.

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 2017-07-25
Company: DISCOVER BANK
State: OR
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:
On XX/XX/16, Discover bank informed me about dispatch of new credit card with updated chip technology. On XX/XX/16 I found there were 4 charges on my account which I did n't make. The charges were : XX/XX/16 : XXXX XXXX ( XXXX CA ) - {$320.00} XX/XX/16 : XXXX ( XXXX CA ) - {$610.00} XX/XX/16 : XXXX ( XXXX, CA ) - {$620.00} XX/XX/16 XXXX ( XXXX XXXX XXXX, CA ) - {$810.00} The total amount of unauthorized charges was {$2300.00}. On the same day I reported Discover bank about it and froze the account and few days later I approached local police department ( Case : XXXX ). Bank did investigation on their part and held me responsible for the above charges because the new card was sent to my address and was activated on XX/XX/16 using my phone number. To prove my innocence I submitted my call records but they said that is n't enough and asking for proof like video footage of person who made those transactions. Fortunately, XXXX CA police managed to get video footage of the person making transaction of {$610.00} on XX/XX/16. In their report they described that person and mentioned that the person is n't me. ( XXXX : XXXX ) Even with all these proofs, Discover bank is holding me responsible for those unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
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:
It's not my account, i never applied for this company.

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 2022-08-17
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I XXXX XXXX XXXX did not apply for a loan from XXXX they dont have my signature or premission on anything

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 2022-08-17
Company: FIRST HORIZON BANK
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX, the day of my house sale the bank first horizon charged mete total of XXXX and XXXX is the collection of more than.The debt and I have tried to talk with the bank about the extra charge and they want to talk with me.Iwant my XXXX back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: Navient Solutions, LLC.
State: IN
Product: Other financial service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
I attempted to contact Navient to discuss my student loan at  XXXX . The person answering the phone presented himself to be a representative of my student loan account and proceeded to ask me to give him information to identify myself to him so that he could look up my account information. I answered his questions with my personal information, including my social security number, and then asked him to identify himself to me again. The line went silent for a few seconds and then he began to ask me further questions. I asked him again to identify himself and asked if he was in fact a Navient representative and the line went silent and then he hung up on me. I have been receiving multiple calls from numbers claiming to be  XXXX   XXXX   XXXX   XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I closed on a HELO C   on  X/XX/17  with a  bank representative,  XXXX   XXXX  at US Bank. At the time of closing it was disclosed that there was a {$500.00} early closure fee, and this came as a huge surprise to us. This fee was never properly explained to us, even after having explained to the inbound sales representative,  XXXX   XXXX , many times that we would be selling our home in about a year. I have escalated the issue and have spoken at length about the situation with  XXXX   XXXX  and  XXXX   XXXX . They informed me tod ay,  X/XX/17 , that th ey are unwilling to waive the early closure fee of {$500.00}. I feel that this is a huge injustice to me as the consumer as it was not fully and clearly explained. They claim it was disclosed, but i have no proof of that, and they are unwilling to provide that proof. If it was explained properly, you would think that they would have made sure that I understood the terms since it was stated multiple times that we would be selling our home within the year, triggering the early closure fee. I was told tha t the District manager,   XXXX   XXXX  was unwilling to waive this fee and it was his decision. I truly feel that we were mistreated and duped into buying a product that incurred unnecessary costs. I feel that this should be waived and there should be action taken against US Bank in this matter.

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 2020-04-22
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
I created a account with coin base less then a month ago. Funded my account using ACH XXXX XXXX. I put 500 $ and purchase XXXX. A couple of days later I put {$50.00}. And then couple days after that {$50.00} again. I verified my account with my photo ID and a selfie that they required. They disabled my buying, selling, and transferring to my digital wallet, Ive called my bank and they verified that there were no issues on my banks end, yet when I do get a response from coin base they say that I can withdrawal my shares into XXXX or send it to another address. And that I cant buy or trade my XXXX. I didnt do any thing wrong I provided all the information that they asked for. They told me that I can send my XXXX to a wallet and I can not do that, but instead all I can do is sell my shares for cash thats not fair or right when I havent given them any reason. I have contacted them over and over and same response. At this point all I want to be able to do is transfer my XXXX  to my ledger. As they said I could from the beginning but its disabled. They arent communicating with me and its frustrating. They are just telling me it takes 5-7 business days and that they can not continue a relationship with me buying and selling. For no reason! I have read online this is something that happens all the time and I dont think its right. I am just someone trying to invest in some cryptocurrency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home in XXXX with Carrington mortgage. At the time of the refinance I didn't have an escrow with my mortgage. I was lead to believe after closing I could remove the escrow account. In XX/XX/XXXX I sent written request and evidence of prepaid home owners insurance. The request was denied. I was told the mortgage had to be 6 months old. I wouldn't be eligible until XX/XX/XXXX. On or about XX/XX/XXXX I called customer service and they told me I was eligible as of XX/XX/XXXX to close the escrow account. I faxed over the request and it was denied. Carrington said I was more than 30 days late and the account had to be bought current. I researched and found contrary information. I've called and spoken to customer service, the escalation team and the corporate office. No one has been able to provide the statues or regulation that support their decision. According to what I can find my escrow should have been closed back in XXXX. I am exempt from personal property tax because I am aXXXX XXXX XXXX XXXX veteran. My homeowner 's insurance was paid in full in XXXX of XXXX and will be paid again in full in XXXX of XXXX. I have no need for an escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold from XXXX to Loancare XX/XX/19. Loancare processed my XX/XX/19 payment but has not posted my XXXX - XXXX payments. XXXX XXXX  has sent twice proof of payment but Loancare has not responded. The XXXX has sent a complaint to them but with no response. From all the other complaints on the XXXX website, I think this company is involved in mass deception and fraud. 
I can not get through to anyone person who is handling the case. There are letters coming to me but no person, email or extension that I can contact. 
Is this another company who will be claiming bankrupcy with our money? 
please look into this

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 2017-07-25
Company: Experian Information Solutions Inc.
State: OK
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 currently have two damaging negative remarks on my credit files, these companies have no other intent other than keep me bound by loans. These two companies apparently have paid the credit companies money too re enter bad information on my credit worthiness, I am tired of being violated when there are FRCA rights and the credit companies should pay up for damages on each time. "? I am seeking justice now, I have fought this for years too the end. I have countless of copies of my credit files that clearly show that negative remarks were re entered way beyond the 7 year period. I think it is time I get money for damages and being violated. The credit companies claim oh the year on the date removed is not here yet. Well it was long passed long ago, I seek answers and stop violating me now. Please contact me and all these crooks, I want too sue for damages but need money for lawyers. I guess if multi million dollar companies can violate people due their un lack of money, then they need too pay up. XXXX my ph # Please contact all the credit reporting companies and stop this non sense.

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 2017-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 currently have two damaging negative remarks on my credit files, these companies have no other intent other than keep me bound by loans. These two companies apparently have paid the credit companies money too re enter bad information on my credit worthiness, I am tired of being violated when there are FRCA rights and the credit companies should pay up for damages on each time. "? I am seeking justice now, I have fought this for years too the end. I have countless of copies of my credit files that clearly show that negative remarks were re entered way beyond the 7 year period. I think it is time I get money for damages and being violated. The credit companies claim oh the year on the date removed is not here yet. Well it was long passed long ago, I seek answers and stop violating me now. Please contact me and all these crooks, I want too sue for damages but need money for lawyers. I guess if multi million dollar  companies can violate people due their un lack of money, then they need too pay up. XXXX my ph # Please contact all the credit reporting companies and stop this non sense.

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 2019-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I am a XXXX year old XXXX  veteran living in Maryland that fell prey to a robocall scam that involved providing my bank account information. They convinced me that my account was over-credited by {$39000.00} on XX/XX/19. On that date I went to my Bank of America Branch ( BOA ) and talked with the bank manager about needing to wire this {$39000.00} back to the account number that was provided to me. I had never had transaction like this before and had just put money into this account to pay for my wife 's memory care facility and my assisted care facility expenses. The Bank Manager 's only question to me was whether I knew the recipient. I said I didn't but that I trusted him. BOA initiated the wire of the funds from my account. That night I realized that this was likely a scam and contacted BOA at XXXX XXXX  on XX/XX/19. BOA sent out some type of Money Recall Notice to the recipient Bank - ( XXXX XXXX  in XXXX, AL ) that on or around XXXX am on XX/XX/19. I have now been contacted by BOA fraud department and sent a Release and Indemnity Agreement that I am required to sign if I want BOA to assist in the recovery. The Agreement provides for waiving rights with respect to the initial wire and the recovery efforts, and a confidentiality provision that restricts me from talking about it with the press or anyone else. I have no other way to attempt to retrieve the defrauded funds or to even find out if the funds have been frozen by XXXX XXXX  and subject to recovery. I have no real idea of what efforts they will take or what rights I am giving up if they are not able to recover the funds from XXXX XXXX. I really have no choice but to sign this document.

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 2022-05-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-22
Company: ENCORE CAPITAL GROUP INC.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt is not mine. I explained this to XXXX XXXX and Midland Funding and now an attorney they got involved. This was due to fraud. I disputed this with them as well as the credit agency 's. I explained the fraud as well as asked for validation of the debt. It has been well over 3 months since I started disputing and no proof mailed in yet and this is still reporting on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I received a credit monitoring alert that a new address was added to my Equifax credit report. When I checked my credit report, Equifax is showing an incorrect address of :  XXXX   XXXX   XXXX ,  XXXX , GA  XXXX . That is NOT my address. I demand that this incorrect address is removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Experian Information Solutions Inc.
State: MO
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 submittin this CFPB Complaint to follow up the most recent CFPB complaint I submitted last XX/XX/2022. The Credit Reporting agencies have failed to comply with the Federal statute and continued reporting the disputed items wihout sending me copies of proof of verification. This action of the Credit Bureaus is a clear violation of a consumer 's rights which is protected by the Federal regulation. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$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 non-monetary relief