BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Astonishingly, other credit bureaus have acknowledged the fraudulent nature of the account and have promptly removed it from my credit report. However, your bureau persists in reporting this false information, which is severely impacting my credit score and financial well-being. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. Despite repeated attempts to rectify this situation, I continue to encounter challenges, and I urgently seek your assistance in resolving these issues. 
XXXX XXXX XXXX PLEASE DELETE!!! XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
Given that other credit bureaus have successfully identified and corrected this issue, I am deeply concerned about the reliability of your bureau 's systems and the apparent failure to rectify this matter promptly. It is imperative that you take immediate action to investigate and correct this discrepancy, as the continued reporting of the fraudulent account is not only damaging but also suggests a significant lapse in your bureau 's accuracy and efficiency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-21
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX-XXXX XXXX SS # XXXX-XXXX-XXXX Re : Chase account XXXXxxxx XXXX  To Whom It May Concern : I continue to dispute the validity of this account I request that the account be deleted from my credit report. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? Thank you Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX  XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of XXXX XX/XX/2022 & XXXX XXXX Date of XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: Kriya Capital, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted last year around XXXX by Credence Resource Management, I was told I owed them a balance of {$490.00}. I quickly realized I have never had an account with this company and asked them to verify the debt and send over a wet-ink signature of the contract I signed. I did not get this however I did get it reported on my credit file and it has an open account date of XX/XX/2022. I believe this is when they bought the debt and came after me to pay a debt that was already paid off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29
Company: Auto Trakk, LLC
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Auto Trakk, INC Car was totaled in accident/there was no balance/ they reported collection on a closed/ never late on account!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Experian Information Solutions Inc.
State: PA
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:
The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: NATIONSTAR MORTGAGE LLC
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Over the past few months, my mortgage company, NationStar, changed their name to '' XXXX XXXX ''. The shortly after, I received a notice that my mortgage ( which has a " fixed '' interest rate XXXX, was going to be going up by about XXXX, due to changes in the escrow account. I did pay XXXX 's mortgage at the increased rate because I had not had time to call them to get more specific information about the increase, but I did not want to be late with the mortgage in the mantime, so I paid it. I finally had time to call this evening, and reached a customer service rep who was very uninformed and struggling to tell me specifically what had caused the increase. Frustrated, I asked for his supervisor. After a long conversation with supervisor during which I had to press him quite a bit for reasons and explanations, it came out that around XXXX of the increase was due to an increase in taxes and/or insurance in my escrow account ( which I will verifywith the town and my insurance company ), but that the remaining approximately XXXX charge per month was an additional hedge against possible future increases in taxes and/or insurance. When I objected strongly that this did not seem reasonable at all, he finally let me know ( for the first time ) that this was actually optional and I could opt out. So somehow I went from a " shortfall '' to a surplus and now they will be reducing the monthly charge by XXXX and send me a refund of approx XXXX This whole thing was done is a very cagey and shifty manner. Had I not pressed to speak to a supervisor and also pushed back pretty hard and asked lots of questions about the additional charge, I never would have found out what it was or that it was actually optional and I could get them to take the charge off. This, I learned from a relative in the mortgage business, is not acceptable practice at all and possibly breaches certain regulatory requirements. He urged me to report it to you. This relative said, " Nationstar ( now XXXX XXXX XXXX has had issues in the industry with regulatory compliance, including XXXX. They may not be outwardly trying to commit fraud but their data integrity has been criticized enough by regulators to be fined, and you may be experiencing an impact to their data quality issues. Clearly their customer service stinks too. " Please note : the name of the supervisor that I spoke with is XXXX XXXX, or at least that is the name he gave me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: EQUIFAX, 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:
This is my Fifth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The accounts I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: VW Credit
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I have leased a XXXX XXXX 2020 for 39 months. With XXXX, my car has been sitting idle with very low mileage, and I wish to get out of the lease and recover my investment. 

VW gives me a payoff quote of {$22000.00} which fully covers all their lease payments for the remaining 20 months. 

When I go to XXXX to sell it to them ( the most expedient way a consumer could sell and move on ), VW prevents it and gives a ridiculous {$29000.00} payoff amount to XXXX. 

This is completely unfair and unethical. Why should they have two different payoff amounts? It hurts the consumer that is trying to get out of such situations in these tough Covid times.

This needs to be addressed as I am sure thousands of consumers are suffering from this atrocious business conduct.

Thank you CFPB for investigating and representing the Consumer!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: NATIONSTAR MORTGAGE LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Have right to prepay mortgage - each time I 've prepaid, mortage payment is not allocated to correct accounts ( eg mimum payment vs. additional principle ). Most recently, although paid ahead two ( 2 ) months, received a notice saying that 'there are unapplied funds ' that they did not know where to place. As each payment has been accompanied by a payment stub that outlines where funds should be applied ( still pay by check ) I 'm confused as to why this continues to happen. Given that they are now holding out funds vs. applying to principle ( as outlined in my payment stub included ) technically means they are earning interest off of the principle amount NOT reduced by this amount of funding/payment being made. Name of mortage company is now Mr. Cooper (  previously, XXXX XXXX XXXX ). They are also stating that there is a 6mo prepayment heirarchy - this is the second item I want to dispute as there should be no cap to number of months that I should, contractually, be able to pay for whatever period in advanced as it is a 'no prepayment penalty ' mortage they are servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: EQUIFAX, INC.
State: WI
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:
Ive contacted XXXXXXXX XXXX XXXX XXXX XXXXXXXX and Equifax numerous times via phones calls, emails, usps mail and faxes requesting they send me a copy of the original bills, explanation of benefits received and a copy of documents showing I signed as guarantor of alleged services below. Additionally, I asked for the services listed in attached letters which they charged for services I never received be removed as well as requesting they delete all of the duplicate charges listed in attachments. I also ask them to validate each debit with validation from XXXX and to date they only have sent me copies of XXXX XXXX XXXX XXXX statements in which the account numbers do not even match with my creditor account numbers. I disputed all of this with XXXX and have been told by their representatives that they will continue to damage my credit by reporting the debt over and over again each month which they do, sometimes twice a month. The information they are reporting and the amounts reported that Im responsible for have not been validated and just as they say they will continue to ruin my credit by repeatedly reporting false information. # XXXX {$490.00} charged for some services not received. This was due to a fall while at XXXX. Ive a claim form several times as I was injured on your property. I never received claim form. This shouldve been billed to your property general liability ins Im not responsible. # XXXX {$1300.00} double billed for several items. Requested original billing & med recs showing date & time of each service, no response to dispute requests. # XXXX {$980.00} gave XXXX full divorce docs, ex-husband resp for 1/2 all XXXX bills. Ive been billed & paid 100 % when I was only responsible for 1/2 except this bill. I asked XXXX for copy of EOB ( ex-husband coverage I have no access to EOBs ) pre-auth letter, original bill & all docs signed, no response. As of XX/XX/2022 they reported these 3 accounts as new collections on my credit reports. They will report this as new which it is not but they will not respond to me regarding these incorrect bills nor will they provide me with validation of this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31
Company: Early Warning Services, LLC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of identity theft and these accounts was open fraudenlently in my name Bank XXXX XXXX accounts that are Fraudulent : Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX XXXX Accounts that are Fraudulent : Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX XXXX XXXX Accounts that are Fraudulent : Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX XXXX XXXX Accounts that are fraudulent : Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX XXXX  Account # XXXX Routing # XXXX XXXX XXXX  accounts that are fraudulent : Account # XXXX Routing # XXXX XXXX XXXX  accounts that are Fraudulent : Account # XXXX Routing # XXXX XXXX XXXX Accounts that are fraudulent : Account # XXXX Routing # XXXX

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

Complaint:
Hello I have an open account with Coinbase ( XXXX XXXX ) which was working perfectly until the XXXX of XXXX in which my account was put " under review '' by them being unable to trade, deposit or withdraw any asset. 

The message is the following : Your account is currently being reviewed and we need some time to verify your info. During this review, you won't be able to use Coinbase. Reviews generally take a few days, so sign in every day or two to check your status. 

I hold on this account XXXX USDC which is an stable cryptocurrency that keeps the same value as the United States dollar, therefore, I am unable to access my money. 

After doing my research I found out about many people with the very same problem and the account frozen for months. 

I have been in contact with the company twice and they literally told me to wait and never explained why they decided to freeze my assets as my account is completely verified. 

On the first e-mail I have sent, they replied this : Hello XXXX, Thank you for contacting Coinbase Support.

Your account is currently being reviewed and our team will need time to verify your information. During this review period, you will not be able to use the Coinbase platform. There are a variety of reasons that impact the services that we can offer you right now, including our security, compliance and operational procedures or your geographic location. 

In the meantime, if you can take a moment to review the following : 1 ) Please make sure that youve uploaded your government-issued photo ID here : XXXX XXXX XXXX 2 ) Enter your personal details here : XXXX XXXX XXXX  3 ) Provide us with some insight into how you will use Coinbase, your employment and your source of funds here : XXXX XXXX XXXX Please note that due to a high number of requests, account reviews are taking longer than usual but our team is working hard to get to yours. 

Regards, Coinbase Support After doing everything they said and still having the account in the same situation, I contacted them again saying I would like to close my account as this is unacceptable and they replied this : Hi XXXX, Thanks for following up with us. We appreciate your patience. Our team is working diligently to review your account. 

At this time, you do not need to take any additional action. Please do not submit another request related to this issue because doing so could cause a delay. We will contact you as soon as we have an update. 

We look forward to supporting you. 

Regards, Coinbase Support All in all, I can not withdraw almost XXXX XXXX dollars from the account and I hope you can help me as many user with the same problem had it solved thanks to you. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act. The following accounts have violated my rights. The inaccurate reporting has affected my ability to purchase a home or get financing. I am an XXXX XXXX XXXX with XXXX  I feel taken advantage of. 

XXXXXXXX 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 

Under the Fair Credit Act,15 U.S.C 1681 section 602 A, 15 U.S.C 1681 Section 604 A Section 2, 15 U.S.C 1681c. ( a ) ( 5 ), 15 U.S.C. 1681s-2 ( A ) ( 1 ), 12 CFR 1026.10 ( f ) I have tried to resolve these matters with the bureaus & CFPB. I submitted the complaint on 02/26/2023. It has has been 32 since submitting complaint and there's no action. All I get is letters from them to discurage me from seeking justice.

According to 15 USC 1681n ( a ) ( 1 ) Any damages sustained by the consumer as a result of the failure or damages will be compensated.

As a result of this I want all fradulent accounts removed from my credit report immediately with {$1000.00} dollars per violation. This level of injustice has tarnished my ability to get financing for a home for my family or even be able to apply for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my most recent Equifax consumer credit report and I see that there are still inaccurate accounts and inquiries being furnished. Please remove the following accounts and inquiries as they are inaccurate and fraudulent. 

XXXX. XXXX XXXX XXXX opened XX/XX/XXXX XXXX. XXXX XXXX opened XX/XX/XXXX I have attached correspondence from XXXX confirming this account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
An escrow account was set up w/o our request, approval or need. I have been current with my mortgage, principal, property taxes and property insurance. I have never had an escrow account and I do not want one. I have contacted the lender a number of times and I get a variety of stories as to why it was set up and how to resolve it, i.e. close the escrow account, but to no avail. This has been open for over a month with no resolution. The Escrow Department passes it to the Bankruptcy Department and they do not get on a call with me together to discuss. I would like this resolved ASAP. Any help you can provide would be greatly appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
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: Account information incorrect

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. 
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 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 response to consumer: Closed with explanation