BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-29
Company: MOHELA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My account was transferred from XXXX to MOHELA. MOHELA does not have my account information accurately accounted for. Additionally, I have to tell them the same thing multiple times, and it still has not been changed. The chat ( for help/support ) feature has never worked or been unavailable every time I have tried to use it. 

The confirmation message when submitting a message through my account says that I should get a reply within 3 business days. However, it has taken approximately 3-4 weeks to receive a response, and their responses have yet to resolve any of the issues I have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: Coinbase, Inc.
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2021 I opened an account with Coinbase. I provided all of the required information and was provided an account on their site. On XX/XX/2021, I initiated a wire transfer into my new Coinbase account {$10000.00} from my XXXX account. Immediately after the funds landed in my new Coinbase account I received notice that my account was suspended. I was given no reason for this but I assume it is because my primary residence is in XXXX  with a secondary place in XXXX. I provided this information to Coinbase. Apparently the state of XXXX requires a threshold for companies doing business in XXXX that Coinbase does not meet and I assume Coinbase must be using this to not have me as a customer. I never withheld this information from Coinbase when applying for the account. 

In the notice of my account being suspended, it said to follow the instructions to have my funds returned to me. I was unable to execute this action as I went into a circular default on no action Since XX/XX/2021, I have filed numerous requests and complaints ( over 10 ) to return my funds with Coinbase and to date, I have received 1 non computer generated response with persons name which said, " someone would be in touch ''. 

Coinbase has no live person to speak with and their format is that one type of complaint is supposed to be responded to in 3-5 days and the other more formal complaint is supposed to be handled within 15 days. I have filed both types of formal complaints and nothing has happened and no response from anyone. 

I don't care that Coinbase doesn't want me on their platform but I fail to understand their poor customer service and refusal to release my funds. I only want my funds and will move on to another tradings site. 

Anything that you can do to get them to release my funds ( it is now {$9900.00} ) because they kept {$10.00} when I transferred in funds, would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DPT EDXXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, and a deletion of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Identified information in my consumer report is inaccurate and incomplete. Reporting company violated my right to privacy 15 USC 1681 section 602 A, and I want items removed immediately.

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 2018-04-24
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Exploring options to consolidate debt, I looked toward my existing mortgage holder, Wells Fargo. On the account summary page to the right side there is a planning and tools section. One link is " View your FICO credit score '' - I did and onXX/XX/XXXX it was XXXX. Knowing that is an excellent score I decided to explore their options and completed their Credit Options Guide. I then called in to explore the options presented as possible solutions in the guide. I spoke to : XXXX XXXX Inbound Sales Specialist XXXX, ext. XXXX ( She was very polite ) She took my info, understood that my goal was to consolidate my credit card debt, {$36000.00} worth by using the equity in my home. XXXX estimate that night was {$220000.00} and my mortgage balance was just over {$84000.00}. I am in insurance and financial sales as a XXXX worker I do not have a " regular paycheck '' so with the XXXX score the information provided it seemed like a good solution to reduce interest expense and allow me to pay off my debt much sooner than the current pace. 

I was eventually declined because of my total amount owed is too high and my debt payments would be too high - the woman that called me to tell me I was declined actually said after I reiterated that my goal was to pay off the CC debt, that they were concerned I would just run it up again. I get that, but isn't that true of anyone who consolidates debt? 

In the letter dated XX/XX/XXXX, they stated that my credit score is XXXX, 29 points lower than the FICO score on their website. The night I received the letter I went back and again selected the link " View your FICO credit score '' and this time it came back as XXXX, just two points lower, not 29. 

My complaint and what I would like to have happen : The " View your FICO credit score '' is  misleading - I would not have applied for a HELOC of {$40000.00} with a XXXX score. How many other people are being baited into making a financial decision that can have a negative effect on their ability to apply for credit again with another lender by being told they have a much higher score than they really have? 

I would like the Decline to be removed from my credit report so that when I do reduce my debt and apply elsewhere I am not negatively effected by the Wells Fargo decision.

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 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-08-22
Company: Optio Solutions, LLC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been getting repeated phone calls from this company. This morning a man pulled up to the house, it was a scary situation, jumped out of his car asking for the occupant of the house. I dont know who he is but i was able to have a quick glance at the paper he was holding and it showed QCS. It occured to me i had seen that name appear on my phone. He left and waited in his car for a while and drove off. I was shaking and not sure who he really is that came to my house. he looked dangerous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report. This is crucial in ensuring the 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 2021-08-30
Company: FIRST MIDWEST BANCORP, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
On XX/XX/2021 someone tried to take a loan out in my name at a bank called First Midwest bank. I reported it the next day and froze my credit report to XXXX. Since then is has effected my credit score. I need to get this removed.

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 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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:
I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. 

In accordance with 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that cred it reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX  XXXX : Account number : XXXX, This account is a result of identity theft. 
Bankruptcy XXXX XXXX - Discharged : Account number : XXXX, This account is a result of identity theft. 
XXXX : Account number : XXXX, This account is a result of identity theft. 
XXXXXXXX XXXX  : Account number : XXXX, This account is a result of identity theft. 
XXXX XXXX XXXX : Account number : XXXX, This account is a result of identity theft. 
XXXXXXXX XXXX XXXX : Account number : XXXX, This account is a result of identity theft. 
XXXX XXXX XXXX : Account number : XXXX, This account is a result of identity theft. 
XXXX : Account number : XXXX, This account is a result of identity theft. 
XXXXXXXX XXXX : Account number : XXXX, This account is a result of identity theft. 
XXXX XXXX XXXX : Account number : XXXX, This account is a result of identity theft. 

I want to emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. Please be advised that I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U.S.C 1692k.

1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports

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 2021-08-30
Company: TD BANK US HOLDING COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I was charge 3 times for the same one item purchased. I returned the item at the store and received a credit. They returned one for another credit. However I still have an extra charge for that same one item. 

The amount is {$23.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: CCS Financial Services, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Trying collect a debt I do not owe. Never heard of the company they are trying to collect for. Provide no opportunity to dispute the debt

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to report and let you know that these unknown inquires are not mine. I do not recognize them, I have never gave anybody any permission for these inquires. Please remove them from my credit report and let me know when you are done. This is ridiculous that bureaus reporting misleading information and have no responsibility. Why I have to worry about their bad reporting? Why I have to suffer because of them? REMOVE THEM Please

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
On XX/XX/XXXX, there is an unauthorized inquiry from XXXX XXXX on my Tran Union credit report. Let it be clear, I DID NOT APPLY for an XXXX XXXXXXXX XXXX! Nor did I receive any letter from XXXX XXXX. Trans Union and XXXX XXXX illegally and negligently simply refuses to remove this inquiry yet it has been confirmed it needs to be eliminated off my credit report. This is the FIFTH TIME I am addressing XXXX XXXX EGRIOUS NEGLIGENCE! After the XX/XX/XXXXXXXX  CFPB complaint, I received letters dated XX/XX/XXXX from XXXX XXXX stating that my application may have been declined in error. We apologize for any inconvenience this may have caused. What does XXXX XXXX not understand? I DID NOT APPLY FOR AN XXXX XXXX XXXX! Any application XXXX XXXX received was unauthorized.

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 2023-09-27
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reached out to these companies stating that I have no knowledge of these unknown fraudulent inaccurate negative accounts. I disputed these accounts and requested verification from these companies but they have failed to do a complete an investigation and provide me with any signed contracts, acknowledgements with my written consent, and any individuals names that were interviewed doing the investigation process. It is noted on both unknown fraudulent accounts that these items were disputed by consumer but meets requirement of the FCRA. Experian is ignoring and violating me as a consumer and did not complete a FAIR investigation within 30 days on my behalf which is a violation of my consumer rights. These unknown fraudulent negative accounts has caused my family and I embarrassment, financial hardships, and XXXX  XXXX  due to being declined credit. I have provided 2 forms of identification to verify my identity.

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 2022-11-25
Company: Experian Information Solutions 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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XX/XX/2022 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