BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: AR
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX FIN XXXX Balance : {$400.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$0.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

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 2022-04-18
Company: SUMMIT FUNDING, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been struggling to get caught up on my mortgage for about 2 years as a result of a divorce and now job loss. I lost my job at the end of XXXX of last year. This has gotten to the point where I am overwhelmed. I decided to reach out to Summit Funding to apply for a mortgage loan modification. I submitted the packet along with supporting documentation. 

I called and spoke to someone at Summit regarding a letter I received stating that I hadn't provided 30 days worth of pay stubs. I explained that I had just started working and I didnt have 30 days worth of stubs. The person I spoke to stated that I need simply send in a letter of explanation stating the reason for the lack of stubs. I submitted the LOE in plenty of time. I thought I'd call and check the status today and was told I'd been " disengaged '' for a lack of documentation. I explained what had happened as was told too bad so sad. 

Aside from them closing the application, they have a horrible system. Every time I call I have t start my story all over again. I can't tell you how many times I've heard " it looks like '' from a Summit employee. There is no single point of contact. I thought the whole point in creating such a system after XXXX  was so that a person familiar with the file would serve as my POC. They have also hit m with all sorts of fees. The best one was a bill for almost XXXX after they supposedly sent someone by to see if the place was still inhabited. No one ever came by and if they did, there is no way to tell from the street. It is a condo with zero visibility inside from the street! 

I need help. I couldn't even get a supervisor in a timely manner so I decided to initiate this complaint. I need help please!! 

Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
I want to submit a formal complaint about Coinbase because the labels and warnings are misleading. I sent XXXX in the amount of XXXX ( {$550.00} ) on XXXX XXXX AM +UTC ) to a wallet address from XXXX to Coinbase on the XXXX XXXX ( very common for people to do this ). The company does not list the correct XXXX  network which is XXXX XXXX XXXX XXXX  before processing the transaction on the Coinbase app. The company customer service stated that Coinbase does not support this network for funds received to this brokerage over the specific XXXX XXXX. The funds are locked in a wallet with my money that the company will not release back to me. The company only states on the warning to not send a wrapped token to this account and not a token that is pegged to that token. These are slightly different in terms of what the definition of the two are. I sent this XXXX XXXX XXXX XXXX to the wallet address that Coinbase listed for me to send it to. I feel like what Coinbase says before receiving a token on a network is a misleading statement from the company and does not take due diligence for their customers who pay high brokerage fees to buy cryptocurrency on their brokerage service. With the Understanding of networks that Coinbase has with the years they have been involved in the business Coinbase should list the only network their company can receive crypto would be fair practice. Coinbase has the funds within their brokerage but refuses to allow me to hold the funds within my brokerage wallet because its not a supported coin transfer. The company has the capability to issue and convert the said coin into the correct currency on a fee basis that exchanges these transactions with other partner companies. The company refuses to exchange the currency and support it because the fees would pay their competitive business. Im conclusion the wallet on the brokerage that I sent the XXXX XXXX XXXX to should allow me to show my funds that Coinbase does not want to convert and allow me to move this coin on to a different wallet where I can pay a fee to convert this token if Coinbase does not want to pay fees to their competitive company. 

Only send XXXX  to this address is misleading because a XXXX token is the same as the actual token. The exchange is 1:1.

In the other picture I attached Coinbase does not mention the correct network specifically which to use to send XXXX to. Coinbase should list XXXX only on the label of the warning. This leaves people guessing because XXXX can be sent on many network platforms.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: JPMORGAN CHASE & CO.
State: AZ
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:
I have tried on more than one occasion to dispute the verbiage on my credit report. XXXX refuses to change it despite my efforts. XXXX, JPMogan Chase Bank, and XXXX XXXX state they can not fix the problem since they don't actively have the debt. The debts were discharged in bankruptcy. XXXX   need to resolve it and post it accordingly. Each entity needs to post accordingly. These debts were not claim paid, charged off, written off, or transferred. They were discharged in bankruptcy due to fraudulent payment activity, debts the trusts could not prove they owned, collections lawsuits on debts that can no longer legally be sued over, reporting negative credit information, and suing consumers for debt without proper documentation, and filing false or improperly notarized legal documents. As of XX/XX/2018, XXXX   states that the debts " Comments on your account changed from Consumer disputes - reinvestigation in process to Consumer disputes - reinvestigation in process, Transferred to recovery, Charge off account, Student loan ''. So essentially I have made " XXXX '' progress despite of the fact I sent them my bankruptcy discharge documentation on XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: CA
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:
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 be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: HYUNDAI CAPITAL AMERICA
State: CA
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 have attempted to file several disputes already with the credit bureaus regarding a fraud auto lease which identity thieves obtained by using my personal information. I have been a victim of identity theft and this auto lease was opened fraudulently due to the identity thief using my personal information to obtain services from the creditor KIA MOTORS FINANCE and XXXX XXXX XXXX. This auto lease is a closed account reporting on the credit bureaus, however, it does not belong to me because I did not lease nor did I buy a vehicle from the mentioned creditors. I have attempted to dispute the fraud account that has been reporting on the credit bureaus however the credit bureaus have refused to cooperate claiming false allegations that the accounts are mine. I have explained it to them countless times that these account are fraudulent however, they do not seem to understand. This issue must be resolved, the reason I am filing this complaint is to notify the proper authorities of the countless violations that the creditors and the credit bureaus have been conducting. They have been cooperating with identity thieves which they fraudulently used my personal information to obtain fraud services by tarnishing my financial credibility.

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 2022-06-18
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Closed all Truist accounts on XXXX XXXX. 
Checking, savings, & overdraft remain on my still available online account. 
On XX/XX/16 my closed checking account was charged XXXX for online banking services. This was paid for from my closed overdraft protection. 
I have not tried contacting the bank because of their poor customer service. 
Thanks for your help XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
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:
I have received a copy of my credit report and it shows company PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1600.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
You broke the law Pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer report being fair and accurate. After taking a look my consumer report I realized that my report was inaccurate and this inaccurate report is unfair to me because I was never notified when this inaccurate information was furnished and I was never notified when during your companies initial investigation that you were going to report this information. 

Pursuant to 15 USC 1681 ( a ) ( 1 ) This grave error has undermined my confidence in your companies procedures and as a result of this I will no longer be extending credit and if this information is not removed I no longer want my information reported in your companies database. 

Pursuant to 15 USC 1681 ( a ) ( 2 ) - Your company is a powerless elaborate mechanism. This mishap that your company has caused has ruined my reputation and it has adversely affected my credit worthiness. 

Pursuant to 15 USC 1681 ( a ) ( 3 ). 

Your company assumed this role. You were not given express permission by me, the consumer, or a competent court of jurisdiction. So, not only did you fail in the initial investigation of this information. You also assumed this role, and assumed this information was valid. Which is a violation of my consumer rights. 

Pursuant to 15 USC 1681 ( a ) ( 4 ). 

You did not insure that this information to accurate and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached and this violated my right to privacy. 

Congress makes it clear that a consumer report should NOT include transaction between the consumer and the person making the report. This alledged transaction that you are reporting, and failed to investigate, whether or not it factually took place, can be categorized as a transaction that took place between the consumer, and the person making the report. Which means it should not included i nmy consumer report and in fact is a violation of my consumer rights In your initial investigation I was never given the opportunity dispute.

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 2022-04-18
Company: JPMORGAN CHASE & CO.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
There are numerous debts to my checking account with Chase that are unauthorized, spanning a period of approximately 60 days. All charges are listed as a POS transaction with XXXX. They total approximately {$1200.00}. I called Chase to immediately cancel or lock my debit card when I noticed these fraudulent transactions, and the customer service rep refused to do so, indicating my card was not likely compromised. I told her I did not care if that was her opinion, that for my own protection, I wanted a new card issued immediately. Again she refused to do so, stating that whoever had hacked my account would also have access to the new card number generated. She directed me to call XXXX instead and handle the problem with them. When I called XXXX, they were able to identify the transactions as fraudulent, and being associated with XXXX XXXX. They said they would reverse the charges but that it could take up to 30 days to receive a refund. I couldnt believe Chase would do nothing to secure my account with them. Additionally, they never once advised they have any requirement to refund the charges identified as fraudulent. The charges are sometimes up to 14 different transactions in one day. They vary in amounts From {$20.00} to a few hundred dollars each. Im astonished that Im left to do nothing but watch money fly out of my account and hope I didnt really need it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: GA
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:
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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: WA
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. The following accounts have violated my rights. 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 I XXXX XXXX, never gave ( Equifax, XXXX, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity theft. A copy of the law is attached to this dispute. They also do not have any permissible purpose to furnish my personal information to any third party. Permissible Purpose : 15 U.S. Code 1681b Permissible purpose of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding deletion of the following accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: CA
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 XXXX XXXX XXXX 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 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 2022-01-31
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have actively input {$30000.00} USD into a Coinbase account over the past week.. on Friday XX/XX/22 my account was closed, no information was given as to why, and I can not access my crypto, USD, or anything. They are unwilling to resolve the issue over the phone and they have my assets tied up with zero way for me to access them and an unlimited downside risk in case of a market crash. They are unresponsive and unable to provide any information regarding my status. I have read dozens of similar situations where resolution took MONTHS and I do not have months available for unlimited risk to the Downside in the event of a market crash. I have zero access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please Im reporting this case because, I just found out someone is using my personal information to apply for loans or credit cards which are not authorized by me and so causing hard enquiries on my credit report. In the exception of hard enquiries made by XXXX XXXX XXXX  which is authorized by me, any other enquiries isnt authorized by me. I contacted one of the credit bureaus and was directed to launch my complain here. Please I hope this can be solved where all this hard enquiries affecting my credit score be disputed. And looking forward to adding more security to my credit and personal information to avoid theft. 

Thanks

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 2018-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In 2016 I put credit freezes on all three credit reporting companies. Trans Union, XXXX and XXXX because someone opened a XXXX XXXX credit card in my name. That issue was resolved but I was told anytime I need to have a credit inquiry done to call/use website and get a one time passcode/key for the lender to use. Last month because my car was totaled I did that. I got a passcode from TransUnion and XXXX and was told to give it to the lenders to be able to access my account. Two very long days, lots of phone calls, frustration and embarrassment, I still could not get any credit. And I have, according to XXXX XXXX, who uses the credit reporting service for their information, a XXXX credit score. I should be able to get credit. Instead when the lenders tried to access my info it looked as if my assets were frozen or seized, compromised or I didn't have any. I ended up having to remove cash from my savings to purchase the vehicle. I still have yet to get any answers as to why this system didn't work or what can be done about it except to completely remove the freeze which I don't want to do. I do not need access that often ( once since XX/XX/2016 ) so would like the protection the freeze offers, but not the hassle.

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