BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-07
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
THE DISPUTED INQUIRIES LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME, THESE INACCURACIES ARE DUE FOR REMOVAL OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Foris DAX, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I HAD STAKED {$400.00} 180 DAYS AGO, WHICH ONCE THOSE DAYS WERE UP I WOULD BE ABLE TO UNSTAKE AND WITHDRAWL. CRYPTO.COM REFUSES TO LET ME WITHDRAW MY COINS.

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

Complaint:
LAW DOES NOT ALLOW TO TREATING SOMEONE TO SUE FOR DEBT OWED AMEX VIOLATIONS ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: EQUIFAX, INC.
State: SD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
this is an account that should be of my report years ago. I contacted the state that started and closed this account. They state the account is closed, no balance as of XXXX. And, they are not reporting to any credit agency. I disputed this account with Equifax in XXXX 2016. There investigation reports, that this account will be removed 7 yrs after the account is closed with zero balance. So, it should n't be on my report as of XXXX 2016. So, I do n't know where to turn to get this resolved and its keeping my score down

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have been trying to get a copy of my credit report from equifax for months. I tried annual credit report.com no such luck it told me I did n't answer the questions correctly. Which tells me something is on it that should n't be because the questions were about mortgages and I do n't have a mortgage. I have called them. Did n't get anyone that I could understand and I sent in a form and got it back telling me I did n't send ID and attached to the form is a copy of my ID. I tried to sign up for the plan at equifax.com and get it online. no such luck. I 've also tried for several weeks to get the pin number to remove the freeze from several years ago. No such luck there either. I keep getting the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I requested my credit report thru annual credit report. After filling out the info and answering the security questions, TransUnion 's report did show up. I went to save and print and it kicked me off the page and said I needed to request by mail or phone. The next report, XXXX, said they could not process my request and to send them copies of my social, Drivers license, mort papers, utility bills, etc. Are you kidding me? I am not sending my personal info in the mail like that, that is how identities get stolen. I am completely shocked this credit agency would ask me to send these things, especially when they know this info already. Needless to say I did not get a single report and now have to wait 12 months to request another XXXX unless I pay.

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 2022-05-05
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
In my attempt to assist me in rebuilding my credit, I acquired a Secured Credit card from DISCOVER. 
I gave them XXXX for my credit line and have used it since it opened some months ago. 

I recently made a XXXX Payment and my available credit showed- {$6.00} When I called the company they stated they are sending me an IRS form XXXX to review my income. 

This is a Secured Card using my own funds to charge against in order to build my credit Why they are suspending charging privileges contingent on my transcripts is beyond me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Genesis FS Card Services, Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has validated my rights 15 USC 1681Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A section:2 It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/ 2011 account was closed, reached out to capital one and was told their was nothing they could do because it was charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: The CBE Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am disputing the item that was placed on my credit reports. I do not use XXXX nor have I used XXXX in over 15 years. I do not owe them. I have no idea what this is. They need to remove it from my credit. I was not contacted about this debt before collection was placed on my credit.. They simply placed an amount on my credit. This is not my debt. Remove it. Details {$1100.00}. XXXX XXXX Date assigned XX/XX/2022 Agency CBE GROUP Status date XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I never lived outside the state of XXXX except for when I was in the XXXX and then it was not in the state of XXXX. XXXX was in XXXX and my XXXX was in XXXX and I was XXXX in XXXX. I never lived in XXXX. I reported this to the credit bureau once before.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: CITIBANK, N.A.
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
This dispute is for an overcharge by XXXX. 

I bought a Green House for {$320.00}. I had {$230.00} in rewards points/credits on my Wayfair account from my XXXX credit card XXXX So during check out, I applied the {$230.00} points to the {$320.00} item which would be {$97.00} total plus tax ( 8 % is {$7.00} ) on the {$97.00} = {$100.00}. This is what I authorized to be charged on my card XXXX XXXX credit card during check out which is what i used to pay the difference. 

However, I find today that Wayfair charged {$350.00} ( {$320.00} plus tax ) to my XXXX XXXX card and did not apply the {$230.00} in rewards/credit as it was when I checked out during the purchase. I have been over charged {$250.00} because they refuse to apply my Wayfair points. 

I have also advised XXXX that I am unable to use any points during check out and there is something wrong with my account. My pleas to resolve this go unanswered. 

I called Wayfair customer service line at XXXX who told me that they could not help me and that my account would be handled by the " XXXX XXXX XXXX ''. I asked that the XXXX XXXX XXXX call me due to my XXXX in accordance with the Americans with XXXX XXXX. Instead someone by the name of XXXX XXXX from Wayfair started to email me and refused to apply the Wayfair points/credits in my account giving no reason why. They asked for documents showing the points and I gave them the same as I am giving you here. XXXX XXXX just closed the case and did nothing to fix the overcharge or apply the Wayfair points. I spent four hours on the phone and in emails with Wayfair and they refused to correct the overcharge. 

I did NOT agree to the {$350.00} charge on my XXXX XXXX credit card, it just showed up on my XXXX account today. The correct amount I was to be charged for this item was {$100.00} NOT {$350.00}. 

Not being able to use my Wayfair credit card rewards is a violation of the terms and agreement of the Wayfair credit card issued by Citibank N.A.

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 2020-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
LAW DOES NOT ALLOW TO TREATING SOMEONE TO SUE FOR DEBT OWED XXXX   VIOLATIONS ATTACHED

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 2019-10-21
Company: Experian Information Solutions 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:
Incorrect information reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have tried repeatedly to have my security freeze temporarily lift. Equifax refuses to lift it. I have supplied them the PIN #, my drivers license, social security card, and bank statement. I have also paid the required fee. I am unable to obtain credit due to Equifax system issues. I have called them repeatedly. I got no help from their call center in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I originated a Mortgage Loan with XXXX XXXX XXXX in XXXX XXXX, filed for Bankruptcy in XXXX XXXX, and the loan was discharged. The lien survived and was attached to the property. XXXX XXXX XXXX has been reporting inaccurately on my credit report, they are reporting Date Reported XXXX XXXX, this has to change to reflect the Bankruptcy Discharge of XXXX XXXX. I have attempted to resolve this issue for over a year and nothing has been changed. The inaccuracy has been effecting my credit and have not been able to obtain better credit offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Equifax has ignored to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past the 30 day mark and can not verify this account, under section XXXX ( XXXX ) ( A ) of the XXXX they are required to " ... promptly delete all information which can not be verified, that I have disputed. Please resolve this manner as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: Seterus, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
The borrower, XXXX XXXX was approved for a XXXX My City trial modification in XXXX 2015, to be completed XXXX 2015. He successfully completed the trial and has been waiting for the last 4 months to get his final modification documents. This is the XXXX client I 've had with Seterus that has experienced a ridiculously long delay in receiving final modification documents. This is also the XXXX complaint against Seterus that I have filed with CFPB. The standard turaround time for permanent modification documents is 30-60 days. I checked with XXXX and they confirmed that it is up to the servicer to create the modification documents and then it 's forwarded to the investor for approval. Seterus has n't even gotten to that part of the process yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX A XXXX .... Balance : {$130.00} ; XXXX  XXXX .... Balance : {$85000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: EQUIFAX, INC.
State: OH
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: LEXISNEXIS
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX XXXX XXXX I am filing a complaint over unknown address on my credit report I have been trying to block access to my credit report do to the fact that someone is using my personal information. I am requesting a Block/Freeze on my file until I can get things straight. Please remove the following addresses from my credit file they are not mine : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX I have number on my report that are not my please remove/delete the following : XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: LoanCare, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXXMY LOAN CAREXXXX bought my mortgage loan from XXXX last year. Since XXXX I have been having problems with the new mortgage company. I have been making monthly payments and the mortgage company keeps saying they never received it. I called my personal bank and obtained proof that the money was in fact received by XXXX accordingly and they still stating they never did. Now they are charging me 4 months of payments and late fees. They have also reported me to credit bureau and has affected me tremendously. 

I have confirmation of each payment and proof from my bank. XXXX will not acknowledge my proofs. I don't know what else to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: WELLS FARGO & COMPANY
State: ME
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
We paid off our mortgage with wells fargo on XXXX/XXXX/15. On the evening of XXXX/XXXX/15 I received a letter stating that I had to call them to cancel my auto withdrawal of my mortgage payment. I checked my account and noticed that they had tried to withdraw the mortgage payment, so we were charged XXXX XXXX. insufficient funds charge. I called them XXXX and told them to cancel my auto withdrawal. On XXXX they tried to withdraw again. We got another XXXX charge, plus a recurring insufficient funds charge of XXXX. So now we 're up to XXXX dollars in our account. I called wells fargo again, and the girl kept saying I have no record of your call, you never told us not to take the money, and there 's nothing we can do about it, you need to put a stop payment on your account. Also that they would n't refund the fees. So, I called XXXX bank and told them what was happening and she told me that, sure, they could put stop payments on those amounts, but it would cost XXXX for each XXXX. At this point I told her to close my account. She said she could n't close it until I paid the fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12
Company: WELLS FARGO & COMPANY
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
After Wells Fargo erroneously reported my account as delinquent to the credit reporting agencies, I setup auto-draft for my payment. After setting up the auto-draft, I received a email confirmation that only the payment amount would be drafted. When the payment drafted, it was more than double my payment and what was stated in the email confirmation. The next month, the same thing happened and I received a call that all would be resolved and never received another response as promised by the caller. After following up due to how funds were missapplied and reapplied, I finally received a letter that contained 2 previous letters that I somehow did not receive, letters I am sure were doctored and backdated after my last correspondence with them. The letters admitted that funds were erroneously applied, but also stated that I agreed to have late charges drafted out of my account, which I never did. They included a letter from XX/XX/XXXX that I never received, so when I went to check my wells fargo account inbox to validate that this " letter '' sent XX/XX/XXXX ( supposedly ) via regular mail was the same as the electronic confirmation that I received in my account inbox, S\surprisingly, the confirmation from the auto-draft is no longer in my inbox. I find everything that this bank has done as highly suspicious and more than despicable business practices. If they just admitted that they misapplied payments that they drafted, I could possibly understand, but to mislead consumers in electronic communication, state that they sent letters that I happen to never received ( I am sure the letters included in their last correspondence were falsified documents ), and then offer no remediation for their callous and unscrupulous behavior is appalling considering their recent scams. However, I guess I should not be surprised. Additionally, they have reported that my account was one month late when I paid the account before a month had expired, therefore the payment was not one month late. Although I have explained this several times, I find it hard to believe that a company full of bankers can not count or can not determine when a full month has elapsed. However, I guess no one can expect much from such a criminal bank such as Wells Fargo.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo reported wrong about payments made on their equity loan for XX/XX/XXXX and XX/XX/XXXX to the XXXX credit bureaus. They processed a XX/XX/XXXX payment before they processed a XX/XX/XXXX payment. This caused a 30 day late reporting to the different credit bureaus. In addition after forcing us to turn off paper statements so that THEY CAN SAVE MONEY, they continuously publish false information on their websites for when payments are due as well as their statements ( assuming one downloads them from the website ). They did the same thing for an XX/XX/XXXX payment for the same equity line when they published both on their website and their statements that payments were due by the XX/XX/XXXX when in fact they knew or should have known that this would create a false reporting of a 30 day late payment on all of our credit reports. This has cost both my husband XXXX XXXX and Myself {$1000.00} 's of dollars in higher credit interest charges and has made it impossible to refinance our existing mortgages. We have attempted to have Wells Fargo to fix this with at least 10 X notification that they have been reporting wrong. They have the duty to post accurate information on both their statements and their website..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation