BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: FL
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2015-05-12
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was de-escrowed in XXXX 2014. I chose to pay my taxes and insurance on my own due to previous problems with Ocwen. I paid my homeowners when it was due. Even though my escrow was closed and had a XXXX bal they paid it too. They show a negative balance in my escrow for the payment they made. The insurance company refunded them their payment and they have not credited it to my account to remove the negative balance. Faxed them the info several times they refuse to understand and have raised myinterest and principal payment to get their XXXX back and they already got it back from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was given a fraudulent cashiers check. I deposited into my savings account and made no attempt to withdraw the fund. The check was determined to be a counterfeit cashiers check. Upon learning this fact I immediately notified the supposed issuing bank. They informed me that they were experiencing a " flood '' of fraudulent checks being given to victims throughout the country. I notified my bank - Wells Fargo - and, even attempted to provide them with information relative to the actual identities of the individuals that had given me the fraudulent checks. They were not interested in obtaining any information nor willing to receive copies of the complaint I had filed with my local police department or US Postal Service ( US Postal Inspector ). Wells Fargo suggested that I deposited a fraudulent check into my personal account - suggested that it was my responsibility to know if the check was good or not - and, immediately closed my account ( s ). I asked why then the XXXX hold on the check upon deposit? The bank clearly was not a victim because they lost no funds. I was the intended victim of a scheme yet lost no money. I was quite surprised that they essentially terminated and closed my accounts - and, their fraud department would n't even engage in a civil conversation about the specific details of the scheme that was meant to defraud me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-23
Company: GOLDMAN SACHS BANK USA
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: Credit inquiries on your report that you don't recognize

Complaint:
I applied for credit on XX/XX/2022 using lending tree. Despite having a XXXX credit score, I was denied based on inaccurate information on my credit report. 

I was told there is a credit hold, despite this not being true. I feel this was used an excuse and in reality I was denied because of my age. 

Marcus by Goldman Sachs listed XXXX as a credit report source, however when speaking to a rep, she told me Marcus by Goldman Sachs does not use human, they use an AI Algorithm. The rep then said they use XXXX XXXX. However this was not disclosed IAW Fair Credit Reporting Act After speaking to XXXX, they verified no such credit freeze exists. I think I was denied illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: CCS Financial Services, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I've disputed this transaction with XXXX  3 times already, every time I call them to advise debt has been paid and I have documentation to prove it, they advise me that a dispute has been started, but actually do not start one. I have continuously asked for proof that a dispute has been submitted, and they continue to refuse to provide one. I have tried submitting disputes online as directed by XXXX, but their website never works, and I've advised them the latter. I also called the credit collection agency and gave them authorization to talk to XXXX  regarding this matter, XXXX  will not contact the credit collector to inquire about the debt. I have tried calling XXXX  over 15 times, and i keep getting bounced from one supervisor to the next, with no action taken. I have mailed a letter to XXXX with a receipt of debt payed, still nothing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account information incorrect

Complaint:
Mistake with credit card close account

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 2022-02-23
Company: EQUIFAX, INC.
State: IL
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 Fair Credit Reporting Act US BKPT CT IL XXXX account 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX XXXXXXXX account 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2016-08-09
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I did not pay Wells Fargo Home Mortgage late They are reporting this for 10 years of debt and I did not pay them late.This shows up negatively on my credit They have been contacted several times and they say we are working on it and never conclude the investigation they are working on. This has cost me several loans and credit card because of this nit beinghandled in a proper manner

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 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 Fair Credit Reporting Act XXXX XXXXXXXX XXXX account XXXX, XXXXL XXXX account XXXX, XXXX XXXX account XXXX, XXXX CARD account XXXX, XXXX account XXXX, XXXX account XXXX, XXXXL XXXX account XXXX XXXX XXXX account XXXX, XXXX account XXXX, XXXX XXXX XXXX account 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2017-12-19
Company: Coinbase, Inc.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX, I ordered {$20.00} of Bitcoin and {$20.00} of litecoin from Coinbase. They were perfectly fine taking my money, but I can not add a way to sell and get money back. After waiting on hold for TWO HOURS, the customer service rep told me to try again with a bank account and that was all he could do. ( This is all after opening a support ticket approximately one week ago ). I still do not have access to my funds. Coinbase has not contacted me about my open ticket and I am being left hung to dry with no money from it and not being able to get the money I supposedly have on their application. I just want the money I OWN back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: Automated Collection Services, 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:
ACSI is reporting incorrect information about me to all 3 credit bureaus, as of XX/2017. On XXXX XXXX,2017 ACSI sends me a letter indicating I owe money for a student loan the following day I replied that I do not any 'student loan ' because a ) I am a XXXX XXXX XXXX b ) I have not gone to school since XXXX grade, c ) I am completely/fully retired. But they still reported me to the credit bureaus prior to contacting me first which is a violation of the Fair Credit Reporting Act. Subsequent to their illegal reporting my credit score went from a XXXX fico score to a XXXX fico score and I am currently buying a house which will directly affect my interest rate. What ACSI is illegal and they need to be hold accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
I received my US Bank reliacard card that was issued by unemployment. When I tried to activate it on XX/XX/2020 it said " something you entered is incorrect ''. So I called the number and after I put the last 4 numbers of my card as well as social security number it says my balance, but when I tried to activate it using the automated system it sent me to customer service. The rep said on XX/XX/2020, I need to call unemployment for validation of account. I called unemployment XX/XX/2020 and spoke with the rep and she reviewed my account over and over and showed no issues. It showed payment trans number and she advised me once that number posts to my account it's out of their hands and it's on reliacard. I called all weekend and kept getting disconnected. Finllally spoke with someone today XX/XX/2020 and she was a supervisor. She said my account is closed for unknown reasons. I asked to be issued a new card and she said she could not. But how can I check a balance on a closed account as well how can they keep accepting money on a closed account. The supervisor advised me to closed my PUA account and start a new claim. I spoke with my district state senator today as well and she said to ABSOLUTELY NOT close the account. And said what the rep advised me to do is highly unacceptable. She said why can't they just issue a new card. I said She can't on a closed account. I advised then she should not be able to accept money as well as I should not be able to check balance. I just want to be able to use my funds.

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 2022-02-23
Company: Experian Information Solutions Inc.
State: AZ
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:
Auto now financial, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$9200.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$470.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible .Self Financial / Lead BA, AC # XXXX, XXXX, Amount {$40.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible .Chrysler Capital, AC # XXXX XXXX XXXX, Amount {$8100.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible Credit Acceptance, AC # XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX XXXX XXXXXXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible.

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 2016-09-14
Company: WELLS FARGO & COMPANY
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
In early XXXX, i applied and was approved for a credit card by wells Fargo bank in order to build/ establish credit but in XXXX XXXX I informed the bank that my card was missing and informed me that it will be cancelled. In XXXX i noticed a cash advance of {$350.00} in my statement and i proceeded to call the bank. I was told that it was a transaction that happened in XXXX. I live XXXX hours away in XXXX XXXX Virginia. Since it was clearly a fraudulent transaction, i filled a claim with them and was assured that all will be well. While reviewing my credit report in XXXX, i saw a derogatory comment from wells Fargo stating that I was 3 months in arrears. I proceeded to have a notarized statement sent to them in XXXX XXXX defending myself. I also noticed that they had linked my CC to my checking account without my consent. My numerous attempts to have this solved have been in vain

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 2020-01-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been working with Select Servicing Portfolio sinceXX/XX/XXXX to get a loan modification written. 
I am paying a interest rate of 8+ % on a loan issued by XXXX XXXX  XXXX  ( closed by the Federal government ). 
My husband and I have been separated and he is XXXX. I have been honest with the Mortgage Servicer and was given a " loan modification trial '' in XX/XX/XXXX. My payments were adjusted from $ 3700+ monthly to about $ 2300/monthly ( which I am able to make ). the trial ended in XX/XX/XXXX and we received a loan modification packet to be signed by both of us. 
I contacted our family attorney and he suggested I complete a title search and request new signature pages ... with each signed separate as the modification should be signed and notarized. SPS suggested I sign my husbands name which the attorney refuses. Yesterday I contacted SPS and they said my modification has been withdrawn. I waited for many months for the modification to happen and they are taking it away because of the advise I have taken of our attorney. PLEASE HELP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: Franklin Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I continue to repeatedly get calls after I told them I never received a bill, I told them to send me a bill and stop calling me. They continued calling me I didnt receive the bill until XX/XX/2020 the letter stated I had 30 days to make a payment however the collection agency reported this account to my credit. I didnt have a chance to even call and make the payment. Im requesting to remove this account from all 3 credit bureaus in return of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Before the Pandemic, making my monthly credit payment to care Credit was not an issue. 
During this Pandemic where I notified the credit card company numerous of times in regards to making payments were to no avail. 

My issue with care Credit is how can this enormous credit business offer no COVID Relief plan to extend payment payments or offer payment options. 

The only option they had was pay your regular monthly payment with interest and fees, or close the card with no interest and late fees. 

May sound good to close the account, however they are not looking into an individuals credit impact on closing a card. 

I am extremely displeased that every other card company had flexible, understandable payment plans due to an era we ( Americans ) had no control over. 

I believe this company has no good options on trying to help their consumers during this pandemic, but just shutting the doors behind us, and seemingly giving us a bad score. 

The option they had was reapply after the card is pad. re-applying for a card will cause another impact on our credit score that already seems to dwindle at this time. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report.PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX 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 non-monetary relief