BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-12
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a XXXX investigation going on with Equifax. I had investigated around XXXX things on my credit file that were deleted. This is my personal opinion, when I setup a investigation throw you all it seem like my item were deleted faster from my report. When I viewed my Equifax credit report they even remove all my good credit. I have at least XXXX items that stated paid as agreed never late. Now every negative thing that was deleted off my credit report is now reporting back on their again. The only thing Equifax did not put back on their was good credit. When I call Equifax they were very nasty to me not professional at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Have a state tax lien that is not mine I already disputed on the XXXX credit bureaus and called the franchise tax board and as of last week the clerk said the lien would be removed in 104 days and she verified the name of my ex husband and his address as I believe he is the one who committed this fraud XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My wife XXXX XXXX went to apply for credit at XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX/2016. We usually get 's a text message letting us know that we applied for credit. However, the inquiry went to my text message, and credit and not my wife 's credit. I do n't understand how my wife 's information with her social security number is going to my credit report. This should not be happening. I contacted the Credit Reporting agencies and they are not doing anything about it and they told me that it 's legal to merge our credit reports and I disagree with this. My wife is her own person, and I am my own person, our credit reports should not be merged at all. I want them to fix them immediately. This is affecting me and my husband 's credit report and obtaining credit. When I put my SSN in for credit it should not be reporting to my wife 's credit and her should not be reporting to my credit report. Equifax just recently changed my name to my wife 's name on my credit report, I do n't understand that. This is affecting both of us really bad. This is illegal, we never gave them authorization, to change my name to my wife 's name. I need all of this cleared up from happening again. This is causing us a lot of problems with our credit. I have so many inquiries that are not mines, and she has so many inquiries that are not hers. Please help us, someone must be accountable for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I switched cell phones and can not get into my coinbase account. Ive tried to contact the company and the two way authentication does not work. The company debits and removes money from my bank account each month but I can not get into my coinbase account and the company has been totally unresponsive. Ive gone through their process for complaints and I only get robot replies and I cant get into my account. This has been going on for months. I need to get into my account. Help. This company needs to be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been disputing this issue with Equifax since XXXX. I have had a mortgage on my home since XXXX. XXXX  ( XXXX XXXX XXXX ) is my current mortgage holder and has been for the last several years. For some reason in XXXX, Equifax deleted XXXX off of my credit report. XXXX was finally added back on this year, but a few weeks later I received a message from my credit monitoring company that it had been deleted again. This is my third complaint to CFPB. Im not sure what your purpose is at this point. I have checked with XXXX  and they assured me that they are reporting to Equifax every month. XXXX  and XXXX  has it right, but for some reason Equifax can not get it right. This is damaging my credit score as it is lowering my credit age and my credit mix is not accurate. Also, this mortgage has never been late so I want the benefit of all my on time payments for the almost 15 years. I have sent Equifax a total of 5 letters and they still have not address why they are not reporting my mortgage. At this point I am ready to hire an attorney because the level of incompetence is ridiculous. There are several other items that are incorrect on my credit report but I need Equifax to fix this one first. I am attaching my XX/XX/XXXX statement from XXXX as proof that I have a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
NOTICE SOME ITEMS ON MY REPORT THAT DONT BELONG TO ME! IN THE PROCESS OF REMOVING ALL THESE ITMES. NOTICE THESE ITEMS IN THE BEGINNING OF XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: Lewis, McDonnell & Associates
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XXXX, at or around XXXX XXXX MST, XXXX XXXX, On behalf of Lewis , McDonnell & Associates, XXXX XXXX XXXX XXXX, XXXX CA, XXXX XXXX, Initiated a call to my Sister to collect on a debt that was Charged Off as of XXXX. 

She Misrepresented herself and stated that they had been trying to reach my sister and I to collect on this debt. My sister had cosigned for me and that is how they were able to reach her. 

They then threatened her, and stated that they were currently in talks via XXXX with the courthouse and were actively attempting to serve my sister and I subpoenas to appear in court for this Debt. 
They misinformed my sister and I that they would Garnish our wages, Take our stimulus and even put a Lien on my sisters house for the amount. 
The Legal Assistant who spoke with me, Informed me that someone had already reached my sister and was in the works of making a deal to forgive the debt. 

MY sister paid an amount of {$2300.00} to Lewis, Mcdonnell, and Associates after they sent her a collection notice with the amount owed. 
The letter also failed to comply with Federal Law when it failed to include that this was an old Debt ( Older than 4 years in Texas ) and as such, We the consumers, Are not legally obligated to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: I.C. System, Inc.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
IC System sent me a letter dated XX/XX/XXXX stating they were a collection agency and that I owed {$110.00}. I responded in writing on XX/XX/XXXX that I was disputing this dept and would like verification of the debt or a copy of the judgement. I then received a letter on XX/XX/XXXX stating that my debt was now {$230.00} due additional charges being incurred. I have no idea who I owe this money too and have not received a verification of this debt nor do I know what additional expenses have occurred to increase this 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 2017-02-09
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I wanted to buy a home.I shopped around a lot for the best rate.I authorized 3 companies to pull my credit. I went from an 814 credit score to a 740. I have no debt except the house.Several companies pulled my credit after I specifically told them not to as it would affect my XXXX score for some reason I do not understand.XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX were not authorized.One online one I closed the page the minute they asked to run my credit & they still checked my credit.Its a way to ruin our credit to make a higher interest rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a validation letter out to the company ( paramount recovery systems ) more then 45days ago. They have yet to send me back any and all validation documents.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/XXXX I has furloughed due to Covid19 and I have placed a called to Capital One to notify I will be making my payment late due to the loss of income and asked not to report late to credit bureau back in XX/XX/XXXX my work XXXX  shut down. The rep told me she would notify the acct and it would not be reported on credit report. I have made a payment in XX/XX/XXXX. I have received notification the late was reported to credit bureau. According to the CARES ACT negative report are not to be reported to credit bureau. I am at the end of refinancing my home and was notified of the late being reported and this halted the refinance process. I understand Capital One did not follow the CARES ACT that is in place due to COVID19 after speaking with the rep from Capital One I was informed this would not happen due to making the late payment. I am back working fulltime and back on track. I would like to have the 30 day late revised and reported to credit bureaus removed. XX/XX/XXXX spoke with XXXX ID # XXXX have informed me see the payment made in XXXX and the late should not have been reported since I have talked to someone and informed them I was effective due to COVID19.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-24
Company: JPMORGAN CHASE & CO.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
I went into Chase Bank XXXX, XXXX location on XX/XX/2021 around or close to XXXX XXXX XXXX to deposit my convenience check pursuant 26 CFR 1.6050W-1 ( 5 ) ( ii ). When I walked in I was greeted by XXXX XXXX. There wasnt any bankers available so I waited until XXXX XXXX told me that she was available. I told her I wanted to deposit my check and because she was familiar with my convenience check she called her back office for assistance. Whomever she spoke with told her it was ok to deposit the check and she did exactly that. I told her I wasnt sure that it could be done or not that I had been studying and after reading the company agreement I thought to give it a try. I was amazed that it was really a thing. ( XXXX ) days later I came back with more because and was told I couldnt deposit my checks after ( XXXX ) days prior I was told I could. I was embarrassed how the employees handled me on XX/XX/2021. I asked if I could get something in writing as to why I could not deposit my check and the branch manager XXXX XXXX told me no. On XX/XX/2021 I went to swipe my card and it was declined. I went to check my mobile app and an error message popped up stating " we locked your account due to suspicious activity. I immediately called the number they provided and there was a XXXX hour hold so I went into a the closes branch to where I was at that time. The lady that was there was phenomenal and tried her very best to assist me. She called her back office and we spoke to a guy by the name of XXXX if Im not mistaken. He couldnt really help so after being there for around XXXX in a half hours I left. I am not sure why I am being punished for depositing my check when I was told that I could? I have had other reach out stating that they called in to that exact same branch in XXXX and was told that I scammed the bank. I have been stressed, my XXXX XXXX has been extremely high, and on top of that my lights have been disconnected because I could not pay my bill due to the bank holding my personal funds. I have not been able to feed my children and I will be seeking litigation for the damages. I did no wrong. If it was against chase bank policy to deposit convenience checks I would have appreciated XXXX just saying that. Now Im without a bank account. They closed my son account, and it now seem to be a block on my business bank account. My application was an instrument used to open the account. That instrument is sold as a security and with closing my account I ask for my original instrument back. I will look up Chase bank XXXX XXXX and file a lawsuit again them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: Fay Servicing, LLC
State: AL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The condo at XXXX, XXXX, FL XXXX was abandoned by the owner in XX/XX/XXXX, and has sat empty since. XXXX held the mortgage, and repeated attempts to get them to foreclose failed. In XX/XX/XXXX the mortgage was sold to XXXX. 

After nine years the condo fees for this unit now total more than {$100000.00} ... an expense that has had to be shared by our 39 other owners. This particular condo was bought at the height of the real estate boom, and it is unlikely the property value will ever return to that level, especially considering a new subdivision next door will soon block our view of the water and lower the property values. 

Bottom line, the likelihood of the bank making a profit on this mortgage would seem to be very slim. 

Our 39 other owners have had to pick up the fees and expenses on this unit. Since several are XXXX, this has been a hard financial burden. 

It has been nine years since the owner abandoned the condo, and several legal attempts to get the foreclosure process started have failed. It makes no sense for any bank to continue paying property tax while our owners assume the expenses of this unit, with no end in sight. A foreclosure will at least end what is a money losing proposition for all parties. 

We respectfully request that those with the power to start the foreclosure process do so in order for the unit to be sold. We realize we will lose most of the fees, but this will at least put a new owner in the unit, one who will assume their fair share of the complex expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am XXXX XXXX and XXXX am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
The end of XXXX I applied for a capital one business card, I already have XXXX other credit cards with them a credit card for XXXX I've had since XXXX and a Capital one XXXX for XXXX since XXXX. I applied for the business card for my XXXX business. When i applied through XXXX XXXX for the card, XXXX XXXX did most oXXXX XXXX, where i only had to fill in a couple of blanks. they approved me for the card XXXX limit and they also sent the card, with the card i got 2 other letters stating that those other XXXX accounts had been deactivated. the next day i recieved a letter stating that the business card i was just approved for deactivated also. the letters gave a number and also had 3 different case numbers. they stated that it was a concern about Fraud and needed to verify information. XX/XX/XXXX I sent in 3 most recent bank statements and proof of my business, i did that a couple days later i was told to send in my ss card and ID front and back. i done that, next couple of days heard from the person who stated that they were over the account and she never ask for ss card or ID, at that point i stated that if capital one did not want me to have a business card then that was fine, and i was just wanting to know about my other XXXX cards, i have also contacted XXXX and they letter i got back was the same stating fraud and information needed. they were stating my bank statements were not real until i had a rep call the bank and i verified information so the rep could get info on bank statements and they recieved the same 3 month statements, Now they are saying they want my personal bank statements. I have already been approved for the card and its on my capital one account and on my credit. my other credit cards with them are at XXXX always,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: PA
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:
To Whom It May Concern : I received a copy of my credit report and am disputing some items that need to be deleted. I have listed the account, the opening date, and account number, when possible, below. The reasons why these items should be deleted are indicated below : ACCOUNT NAME : XXXX. XXXX XX/XX/XXXX XXXX # XXXX XXXX. XXXX XX/XX/XXXX - # XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have credit inquiries on my Equifax report that were previously removed from my XXXX report and now have appeared on my Equifax again that I did not authorize. I would like them to be removed permanently as soon as possible to reflect the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02
Company: Seterus, Inc.
State: WY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Seterus force-placed insurance on our mortgage, despite the fact that my insurer has twice faxed proof of hazard insurance on the subject property, and my insurance company shows that Seterus paid the policy over two months ago. The forced-placed insurance added to my mortgage has caused my Seterus mortgage payment to increase by almost $ XXXX/month -- an increase of over XXXX %.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I think my claim falls under XXXX bullets : Report improperly shared by credit reporting agency and report provided to company without my authorization. XXXX XXXX pulled my credit report XXXX on XX/XX/XXXX and XX/XX/XXXX without my permission. When I made purchases from them I selected the ValuePay option. This option is highly promoted on the TV channel as a way to pay off the item interest free in XXXX monthly payments as long as you provide your credit card. I DID NOT select an option to apply for credit. I also DID NOT provide my social security number and DID NOT provide them with permission in any way for them to pull my credit. I was notificed there were XXXX hard inquiries on my credit report when I checked my credit report earlier this week. I have made purchases from this Company before and this has never been an issue. If I would have known they checked my credit I would have never selected the Value Pay option.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX broke our contract themselves by trying to rip me off and way overcharging me, forcing me to leave them and go with XXXX ( which is better any way ). I do n't owe them anything. If anyone owes anyone, they owe me the cost of having to purchase a phone though XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I just received, and the co-owner of my home also received, a credit card from Wells Fargo. The XXXX cards had the same account number. Neither one of us requested such a card or applied for such a card. I have never had an account with Wells Fargo. Since Wells Fargo had already been fined for such activity, this is really unacceptable. Clearly the fine for their unethical activity was far too small since they continue to start accounts which were never requested.

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