BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-15
Company: EQUIFAX, 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:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX. 
Enclosures : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: WELLS FARGO & COMPANY
State: NC
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 company is serving papers to my husband whom Im legally separated from rental property in XXXX North Carolina, that I dont live at. My mailing address and living address are both different from whatever address they are using to sue me and try to collect judgments. I was also the victim of credit card fraud massively in 2019 with all my other creditors, and had put a block on my credit at that point because someone else charged all of the debt and I do not owe it.

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 2017-06-14
Company: WELLS FARGO & COMPANY
State: WY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have been directed to the presidents office several times and was even told they would contact me regarding my loan, no one has contacted me from wells fargo dealer services

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 2017-06-03
Company: Experian Information Solutions 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:
Experian has launched a investigation on the same creditor many many times and keeps getting it wrong. theres duplicate accounts one is right and one is always wrong. the first account from XXXX XXXX XXXX XXXX depicts the information paid and closed. The second shows it was included in a bankruptcy and was late in 2015. after the Bankruptcy was over and it was paid in full. please help me this has been going on for 2 years with no end in site. its  experians responsibility to report information correct and i do n't believe they are.

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 2017-06-03
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received an offer from Chase for the  XXXX  Premier Visa ( R ) Card. The offer was " Earn a {$200.00} statement credit after you spend {$500.00} on purchases in the first 3 months from account opening. '' I applied and was accepted on   XXXX   XXXX   XXXX  .
I charged my   XXXX   XXXX   XXXX   Tickets for {$990.00} on   XXXX   XXXX   XXXX  .
I checked my statement on   XXXX   XXXX   XXXX   and the statement credit had not been applied.
I called Chase on   XXXX   XXXX   XXXX  . They informed me that I was being sent a   XXXX   Gift Card instead. I told them that I do not need a  XXXX  Gift Card and asked for my statement credit instead. They told me that it needed to go through Marketing and that I would not be able to speak with Marketing directly.
I called on   XXXX   XXXX   XXXX   to follow up. I was told that there was no further information and that my 'request ' had been submitted.
I called on   XXXX   XXXX   XXXX   to further follow up and was told that the 'request ' was submitted but no further information was available.
I called on   XXXX   XXXX   XXXX   and was told that my 'request ' was denied and that the  XXXX  Gift Card was canceled.
I now have nothing but a {$49.00} fee from Chase. This is a classic 'bait and switch '.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-25
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My  Wife add ed me to her   XXXX   XXXX   card Issued by  XXXX    XXXX   last month. The card came  in 3 weeks ago however I recently pulled my report and I was told that It would show up on report as an Authorized user However it has not. I was wondering if that was going to happen before months end (   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 non-monetary relief
Consumer complaint received 2021-11-15
Company: EQUIFAX, INC.
State: NY
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:
There was a fraudulent account from XXXX XXXX listed on my credit reports from XXXX, XXXX and Equifax. The account was an installment loan. I did not obtain or authorize any such loan. I disputed the information with the credit reporting agencies and further filed an identity theft report with the FTC. The credit reporting agencies presumably conducted an investigation into the account, but the results of the investigation did not modify the fraudulent and incorrect information listed in my credit reports. I have made multiple attempts to contact XXXX XXXX. In my email communications with them, a customer service representative directs me to call a hotline and can not help me via email. However, the " dedicated '' hotline has a wait time of 300 minutes ( 5 hours ). It seems to me that XXXX does not want to solve the problem. It also appears to me that the credit reporting agencies did not actually conduct an investigation and did not provide any useful information on the fraudulent account beyond a generic status update. Since this fraudulent account is now flagged as overdue, my credit score has dropped over 100 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: General Motors Financial Company, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have numerous Auto Hard inquiries on my Credit report I did not authorize. I notified XXXX numerous times certified letters and calls, even placed Identity theft notification on my report. I have called the companies to advise identity theft to remove these inquires and they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX under the name XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Sectign 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions All Accounts in Violation XXXX  XXXXXXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Shellpoint Partners, LLC
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My home mortgage with Newrez started from XX/XX/XXXX, and my 1st payment was XX/XX/XXXX1. Because my initial Loan-to-Value ( LTV ) Ratio is above 80 %, I paid PMI of {$67.00} each month in XX/XX/XXXX and XX/XX/XXXX. In XXXX, I paid additional principal, so LTV ratio dropped to below 78 % as of XX/XX/XXXX. I talked to an agent of Newrez around XX/XX/XXXX. They confirmed me that I would not have to pay monthly PMI of {$67.00} from XX/XX/XXXX, these amount of {$67.00} would go to my Escrow account, and my monthly statement would be the same. However, Newrez still charged me monthly PMI from XXXX to XXXX until my loan was transferred to another service provider in XXXX. Furthermore, my new loan service provider received wrong information and still charged me monthly PMI. 

I talked Newrez for reimbursement on XX/XX/XXXX. They refused to give me reimbursement because they were no longer the loan provider. 

I now request Newrez to reimburse me the overpaid PMI of three month ( XXXX, XXXX, XXXX ), which is $ XXXX = {$200.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I provided Statements from the Credit Card company showing the date of my first delinquency ( in XX/XX/XXXX and another in XX/XX/XXXX ). I also provided a letter from the Credit Card Company demanding payment and the current past due status of my account. This clearly showed my delinquency occurred in XX/XX/XXXX, and this is when the clock should start ticking regarding the 7 years this negative information should be published on my credit report. Based on the information in the supporting documents from the Credit Card Company it is clear this negative account has been posted to my credit report exceeding 7 years. Twice now, I have requested all references to this account be removed from my report and both times I have received a response that stated the Credit Card Companies data is correct, and by stating this I can only assume the information I have received from the Credit Card Company back in XX/XX/XXXX and XX/XX/XXXX is not correct or the Credit Card Company is currently changing the information to allow them to continue posting this negative account information on my report.

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 2022-04-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MN
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:
I didn't receive my bill from HSBC last month, and they only contacted me after they had charged me a {$25.00} late fee and {$1.00} in interest. I tried to contact them through their website and over the phone, and both systems were down at the time. So I sent them a letter with a check for the full balance, but I said if they insisted on charging me the fee I'd pay it but I wanted my account closed. I also said if they waived the fee I would continue as a customer. They cashed my check for the full amount due but didn't close my account. And then AFTER my balance was paid in full, they charged me ANOTHER late fee of {$37.00}. I want my account closed and any negative information reported to the credit agencies to be wiped clean. And I'm not paying more late fees after the account balance was zero.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX had a collection for atnt in the amount of XXXX that I paid in full, XXXX deleted the collection per our agreement. XXXX  then transferred the collection to a new company ERC as if it had not been paid. I never received a letter or phone call from ERC before they put a fully paid collection on my credit report. I called XXXX several times no answer, I called XXXX  serval times no solution. I do not have a record of a payment I made over a year ago. In addition my bank recently switched ownership and Acquiring the bank statements is going to take a while if I can find them at all. I have asked atnt to recall the collection they refer me back to the collection agency. ERC says the notes from the previous collection agency states I did not pay the debt because I filled for bankruptcy, I have never filed for bankruptcy. If I shad that would absolved me of having to pay the debt. Nobody is making sense or providing a solution. Please help me remove this paid collection. Im trying to buy a house and I lost XXXX points for a collection I already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I m a victim of fraud there are multi fraudulent that as been open under my name I believe someone out there still have my information in keep using it XXXX {$530.00} XXXX/XXXX/XXXX creditor no action XXXX XXXX XXXX XXXX {$3100.00} creditor no action XXXX {$1100.00} XX/XX/XXXX creditor no action XXXX XXXX {$500.00} XXXXcreditor no action XXXX XXXX XXXX XX/XX/XXXX {$530.00} XXXX XXXX XXXX XX/XX/XXXX {$530.00}

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
Consumer complaint received 2017-06-03
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX Ditech Loan # XXXX On XXXX XXXX, I cancelled my automatic direct debit of {$700.00} with Ditech, as I finally had a refinance with another company that was about to fund. My direct debit was scheduled for the XXXX. On the XXXX, the same day I funded, Ditech still pulled the money out of my account. I called customer service and they said I had to notify them 8 days before the XXXX in order to avoid the withdrawal? My refinance wasnt even approved 8 days prior to the XXXX. I called again on XXXX XXXX and spoke to a supervisor who said my money was on the way. I then received an escrow shortage check in the amount of {$30.00}. How is this possible if I dont even escrow with Ditech? It is now XXXX XXXX, and I still dont have my money. My new mortgage payment was due on the XXXX. Im not made of money. I spoke to customer service yesterday and they now say I have to wait 30 days. So to get this straight. Their process is to refund monies that are no longer theirs, 30 days after theyve taken the money? Why? Why does it take a mortgage lender 30 days to refund money that is no longer theirs? Most financial entities are 7-10 days-pretty standard. Ditechs abusive policies jeopardize the livelihood of those that are trying to do the right things for themselves. Now, Im tarnished with my new lender. I want this complaint with Ditech addressed and a detailed response to my situation, vs. a canned approach from them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XXXX   XXXX   - I overdrafted on my checking account, so I called Fifth Third and signed up for overdraft protection on my account that was connected to my Fifth Third credit card.
<P/>   XXXX   XXXX   - I overdrafted on my checking once more and was charged an overdraft fee, so I called and they said I never signed up for overdraft protection, so they signed me up for it once more.
<P/>   XXXX   XXXX   - The same thing happened. I was charged with an overdraft fee once more, so they set me up with overdraft protection again. I then filed a complaint with the CFPB. They reply letter from Fifth Third lied and said that I denied overdraft protection from the bank.
<P/>
  XXXX   XXXX   - Again, I was charged an overdraft fee. I called, they said there was an error with signing me up so they had to set me up with overdraft protection again.
<P/>
  XXXX   XXXX   XXXX   - I once more was charged for overdraft fees and I called and they again said there was an error setting up my overdraft protection and they said there is nothing they can do for me because they do n't have anything on file of me signing up for overdraft protection.
<P/>
This has gone on for well before last  XXXX . Fifth Third has constantly charged me with erroneous fees that they ca n't explain and I 'm stuck paying for them. I will be switching banks in the next few months once I close my business, but I want these errors and constant fees to be reimbursed. Whether its ignorance on their part or straight up trying to get away with charging fees when they should n't, I should n't have to pay for their issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: Coinbase, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
The Consumer Financial Protection Bureau has jurisdiction over this matter because my claim pertains to a digital currency provider who has denied me access to my own funds. On or around XX/XX/XXXX I opened an account with XXXX to conduct lawful personal investment activities. On or around XX/XX/XXXX, my belongings and phone were stolen as evidenced by the police report. Due to the identity theft I have been unable to access my Coinbase account because my login access and passwords were associated with and stored on my phone that was stolen. I contacted coinbase by submitting an inquiry online, on or around XX/XX/XXXX, and to date, 90 days later they have still failed and refused to respond to my legitimate request. Coinbase is harming me by profiting off of the deprivation of access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX   XXXX ,  2017    I received an alert this morning from TransUnion and   XXXX   that my complaints against  XXXX   XXXX   XXXX  had been resolved yet it has not.  XXXX   XXXX   XXXX  is reporting a higher Balance than I owe and updated the credit bureaus with the false information thus impacting my  credit score a   violations of the FCRA.  XXXX   XXXX   XXXX  reported that I have balance of {$26000.00}. My balance on the attached statement clearly shows a balance of {$26000.00}, the information on my credit report is false information causing my balance to increase and m y credit score to be i mpacted.

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 2015-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I visit www.annualcreditreport.com I put my info in and it time me out when I went back to get my free credit report it said i already recived my 1 free credit report and I tried to get it when it timed out with out giving it to me!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-08
Company: Experian Information Solutions Inc.
State: VA
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:
Total  credit card not reporting payments to credit bureaus.

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 2021-11-15
Company: DISCOVER BANK
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I lost credit card reported lost and charges were made. I never used credit card for unauthorized charges nor did I give anyone else permission. I am not responsible for charges I did not commit. I am covered under the fair protection act and discover card did a investigation telling me I owe the XXXX  One charge was my dentist which I admitted too and was mine. Now I dont know if a friend or family member used my card then put it back, but if that occurred I am still not responsible for unauthorized charges on my account. My issue is clear I want to close my account and resolve the fraud, Discover is not cooperating or following the fair credit reporting act. I contacted merchants myself to alert them to fraud gave them my name and number to contact me if needed.

Company response to consumer: Closed with explanation