BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-10
Company: Coinbase, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
opened a coinbase account and made {$100.00} in purchases. 
Coinbase attempted 5x {$25.00} withdrawls on XX/XX/XXXX, following by 2x {$25.00} on XX/XX/XXXX causing multiple overdraft charges. 
I've tried over and over since XX/XX/XXXX to get clarity from them on why they attempted the unauthorized withdraws and my support ticket continues to be someone is looking into it each time I ask for an update. It's going on 3 months now and it appears they have no intention of resolving the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-15
Company: JPMORGAN CHASE & CO.
State: IN
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: Card was charged for something you did not purchase with the card

Complaint:
I WAS CHARGED FOR SEVERAL CHARGES ON MY CHASE VISA ACCOUNT THAT I DID NOT AUTHORIZE AND I NEVER DID BUSINESS WITH ANY OF THESE COMPANIES.. I CONTACTED CHASE VISA AND REPORTED THESE CHARGES AS FRAUD WHEN I RECIEVED MY STATEMENTS AND REVIEWED THEM AND THEY NEVER DID ANYTHING FOR ME. IT IS NOW XX/XX/XXXX AND STILL NOTHING. I WILL LIST THE CHARGES THAT WERE ON MY ACCOUNT ; XX/XX/XXXX XXXX XXXX- XXXX XX/XX/XXXX XXXX XXXX-XXXX XX/XX/XXXX XXXX XXXX XXXX-XXXX  ALL THESE CHARGES ARE FRAUD AND I NEVER DID BUSINESS WITH THESE SAID COMPANIES, I HAVE NO IDEA WHO THEY ARE AND NEVER AUTHORIZED ANY OF THESE TRANSACTIONS. THIS IS SENIOR ABUSE AND THEY STOLE FROM ME. THEY TOOK MONEY OUT OF MY ACCOUNT WITHOUT MY CONSENT, AND WITHOUT ME GIVING THEM MY CREDIT CARD INFORMATION, SO HOW THEY GOT THAT INFORMATION I HAVE NO IDEA. I LIVE ON A FIXED INCOME AND CANT AFFORD TO HAVE MONEY TAKEN FROM ME. PLEASE HELP ME GET MY MONEY BACK. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: CCF Intermediate Holdings LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX and XXXX are attempting to collect an alleged debt of {$300.00} for a Check Into Cash loan. I have not received correspondence from these 3rd party agencies when I submitted a complaint regarding the debt in question. I called Check into Cash directly to see if there were any outstanding loans and they said there was not any in my account. I was not informed anything about still owing a debt wether it was sold or not. I was specifically told that there was no debt. I need the {$300.00} collections account to be removed off of my credit file immediately. Calls can be traced and I am not at fault for any misinformation. I think an email may have been typed in wrong when I sent in my first complaint. That was regarding XXXX XXXX and the text messages I have received from them for the same debt. XXXX is being reported on my credit file and I am being contacted by XXXX XXXX. Both companies are now aware of this complaint and I will resubmit another to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
I have a credit card with XXXX since XXXX on XX/XX/XXXX I noticed my card had disappeared from reports of the three credit reporting bureaus ( Transunion XXXX, XXXX XXXX. I communicated with XXXX credit card department many times via phone, mails, and fax and they promised to solve the problem. Their last response was a letter on XX/XX/XXXX - see attached- saying that they have sent instructions to the XXXX credit reporting bureaus to update my files however nothing happened and no redress has been done. 
I also disputed this missing information of my credit card with Transunion, XXXX, and XXXX and also nothing happened - see attached a letter. Missing this credit card info from my profile is deeply plunging my XXXX XXXX and XXXX my ability to apply for any loans since it is the oldest card i have.

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 2023-05-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2021-08-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have No proof I initated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you assist in having in getting DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 16811, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be in accurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Capital One - inquiry from XX/XX/2021 I AM REQUESTING UNDER FCRA 605B THAT THESE INQUIRES ARE IMMEDIATELY REMOVED FROM MY CREDIT REPORT FCRA 605B ( 15 U.S.C. $ 1681C-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
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: Old information reappears or never goes away

Complaint:
I am trying to buy an acre of half of land to build my dream home and I can not get a conventional home loan due to my score being at 680 instead of 700. 

I checked my credit reports to see what was holding my score down and saw three very old accounts from XXXX still reporting after they have been taken care of by bankruptcy. These accounts should have been deleted as they are ten years old. 

The bankruptcy listed has incorrect information as well and should be removed. The name associated with the bankruptcy is incorrect. My birth certificate states XXXX XXXX not XXXX XXXX. 

I tried to submit a dispute online but it is not allowing me to send a dispute for Report Number XXXX. The credit report was Generated on XX/XX/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 2023-04-16
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: Credit inquiries on your report that you don't recognize

Complaint:
I have sent multiple letters this company asking them to remove information they are reporting on my credit report that i did not aurthorize or do not know. they continue to respond they need 60 days but the FCRA states thatits only 30 days but they been continue to speak that evertime i send proof ans show how this company continues to violate my consumer rights.Comlain # XXXX the same results over and over.

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 2018-11-13
Company: MRS BPO, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The most recent call was today at XXXX XXXX They have called me well over 90 times in about 4 months for somebody who doesn't even have this phone number and I've asked them not to call me back and they still do. They will call multiple times a day sometimes and they never leave a message. They are supposedly called M.R.S. associates and are in XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-10
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am in the Public Service Loan Forgiveness program whereupon monthly loan payments made while working at a non-profit institution count towards eventual loan forgiveness. FedLoan Servicing, who services these loans and tallies payments towards eventual forgiveness, erroneously disqualified up to 22 of my qualifying payments. 

Please refer to the attached documents for tallies towards loan forgiveness dated XX/XX/XXXX versus XX/XX/XXXX respectively. As you can see in comparison, five loan sequences ( XXXX, XXXX, XXXX, XXXX, XXXX ) have dropped from 40-41 qualifying payments made to 19 qualifying payments without explanation. As each qualifying payment counts as a month, this would add an extra 21-22 months of payment onto each sequence before forgiveness is reached ( likely multiple tens of thousands of dollars of extra payments ). 

When contacting the loan servicer on XX/XX/XXXX ( representative XXXX # XXXX XXXX, I was informed that " natural disaster forbearance '' has been applied to these sequences, apparently retroactively given that qualifying payments were taken away. 

These are the periods of apparent Natural Disaster Forbearance : XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX. 

I have certainly never applied for or requested this status nor have I lived in an area experiencing a natural disaster ( XXXX has been my permanent residence for the last two years and XXXX for the four years before that ) so this is certainly a mistake. During this time, I made full, on-time payments each month ( see document TransactionsXXXX downloaded from FedLoan documenting payment history for all loans ). The representative proceeded to say that a review would occur but could not give a time frame ( " likely months '' ) or an explanation for this change. 

Finally, the US government is ending its contract with FedLoan in the near future, raising the possibility that if this is not resolved in a timely manner, incorrect loan counts will be forwarded to the new servicer, further adding to confusion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28
Company: Phoenix Financial Services LLC
State: OH
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 or about XX/XX/2021, XXXX XXXX XXXX received a via certified mail, a notice that an alleged creditor PHOENIX FINANCIAL SERVICES did not respond to a lawful " VALIDATION OF DEBT REQUEST '' ( copy of notice & proof of service attached ). I originally sent PHOENIX FINANCIAL SERVICES the " VALIDATION OF DEBT REQUEST '' and it was received on XX/XX/2021 ( original letter & proof of service attached ). I have gone through the proper channels & process to address the alleged debt & both the bureaus & the creditors have violated my rights per FCRA & FDCPA respectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: LEXISNEXIS
State: TX
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT Upon the reviewing of my consumer report, I noticed that you all were breaking several laws set by congress to ensure that information being furnished by you all are fair and accurate. 

I am putting you on notice that all Late payments being furnished on my consumer report is illegal. 

According to 15 USC 1666b. Timing of payments, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 21 days prior to the account being late I was supposed to receive written notice informing me that the account is going to be late. I did not receive any written notice prior.

According to 15 USC 1681b. Permissible purposes of consumer reports, the only way any consumer reporting agency ( XXXX ) may furnish a consumer report is if it is in accordance with the written instructions of the consumer to whom it relates. I never gave XXXX written instructions to furnish any negative information on my consumer report. 

By not obtaining my written permission to furnish this negative information you all are committing Identity Theft. You are fraudulently misusing my personal information for financial and/or personal gain. 
I should also make you aware of 18 USC 1028A-Aggravated Identity Theft, anyone knowingly uses without lawful authority a means of identification of another person shall be sentenced to 2 years of imprisonment and up to 5 years for a XXXX offense.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
In my previous complaint to the CFPB [ complaint no. XXXX ] JP Chase replied via letter to me and the CFPB and asked that I be patient and they had hired counsel to process my deed for me and they said the counsel was already working with my county registrar. I gave JP chase more than 90 days before calling them back. They could not find the name of the counsel they hired and I was told the person that wrote me/CFPB no longer works in Chase 's executive department and my case had not been assigned to anyone. I said if they can not figure out who they hired, to me that implies they were not honest in their letter to me and the CFPB. I contacted my County 's Examiners of title and they said no one from Chase and no one at all has been working on my deed with the county. 

When I complained to Chase, they said they had done all they could and it was really the last " trustee owner 's '' problem and the last owner of the trust XXXX XXXX XXXX XXXX XXXX ) was Bank XXXX XXXX XXXX XXXXXXXX. 

Bank XXXX XXXX  XXXX contracted Bank XXXX XXXX to do the loan servicing. When I paid the loan off and completed my portion of the " contract for deed '' I never received my deed. 

I paid my contract in full in XXXX and the deed is still locked in a mortgage back security with XXXX bank as the registered estate owner. I completed the contract and should have received my deed. This was not a normal mortgage as I bought a VA Home from the US Government that was repossessed and the VA financed the property for me as a Contract for deed in XXXX. Then the VA sold a bunch of loans and my contract for deed got wrapped in a mortgage backed security and XXXX bank registered themselves as the estate owner of my house. The county still shows XXXX bank as the estate owner of my house. JP Chase ( formerly Chase XXXX ) is the FDIC approved & merged successor for XXXX Bank. The county said I need need to provenance of the deed from XXXX to Chase to XXXX and then of course also Bank XXXX XXXX, the servicer, as XXXX is the one that sent me my final letter in XXXX congratulating me on completing my loan and fulfilling the contract. 

The Parties in this mess are : XXXX Bank, Chase XXXX, JP Chase, XXXX XXXX XXXX XXXX XXXX, and Bank XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Lender Name : PHH Mortgage services XXXXXXXX XXXX XXXXXXXX XXXX XXXX NJ, XXXX Previous Lender : XXXX XXXX XXXX XXXX XXXX I am being charged an additional {$2400.00} per year or XXXX cents per month on my escrow account. My total escrow expense for the year is XXXX I am being charged XXXX per year. I have called and talked to them AT LEAST 7 times. I have sent over proof of my homeowners insurance and taxes to this current year. Yet they refuse to tell me why they need the additional funds above and beyond the cost of taxes and insurance. I have requested a escrow account analysis, I have also requested that I pay my own taxes and insurance they have told me that isn't possible and I MUST pay THEM for this and I can not pay on my own ( I know this is a lie ). When a legal matter was threatened my loan was transferred to their sister company. I STILL have the same issue with this new lender ( same place different name ) and they tell me they have no record of past dealings and that I must ay them. They are asking for an additional {$72000.00} over the life of the loan and are refusing to tell me why or what its for. 

Also in the year 2021 they FAILED to pay my home owners insurance on time, I had to go down there and make a payment myself out of my own bank account to keep the home insured. They paid the insurance on XXXX the payment is due on XXXX, I was charged late fees that they refused to pay and I was out of pocket the cash in the mean time and I had to pay the late fees! 

THIS PLACE IS A SCAM SOMETHING NEEDS TO BE DONE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
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:
I, as consumer, without aid of credit repair organization, am writing to dispute any and all information that appears on investigation results of Consumer Report Number XXXX. 

The Experian consumer report evidence the inducement of a hardship as an unfair, deceptive and abusive practice. 

EXPERIAN is hereby directed to delete any and all personal information and highly restricted personal information as defined at 18 U.S. Code 2725 and account information in compliance to 12 CFR 1016.15 ( a ) ( 1 ) as this revocation of any and all consent and direct EXPERIAN to cease and desist, as right to opt out, unauthorized use of personal information and any and all negative information as compliance to : 1. 15 USC 1681 ( a ) ( 4 ) right of privacy ; 2. 15 U.S.C. 1681b ( a ) ( 2 ) and 3. 15 U.S. Code 6801 - Protection of nonpublic personal information 4. 15 U.S. Code 6802 ( e ) ( 2 ) - Obligations with respect to disclosures of personal information Failure to comply and provide notice of deletion within 48 hours will result in escalation to regulatory agencies and possible legal action for damages violation Fair Credit Reporting Act and 15 U.S.C. 1611.

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 2021-08-10
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
On XX/XX/2021 XXXX XXXX requested a credit Score from XXXX, which they provided. Due to this score ( XXXX ), XXXX XXXX  rejected my application for a Home Loan. All the key factors do not match with my actual credit report, but still XXXX  add them to the reason of the low score. 
The Actual score when logging in the XXXX  website is XXXX. XXXX Scoring system is not consistent and is misleading to the consumer. They provide one Score to you and one different to someone else on the same day.

If I had known the actual score that XXXX  was going to report, I would made a different choice that was not going to affect my credit score.

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 2021-12-28
Company: EQUIFAX, INC.
State: PA
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 Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation