BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 sent my dispute XX/XX/XXXX and have yet to receive an update in over 30 days. Consumer-reporting agencies must correct or delete information that is inaccurate, incomplete or unverifiable within 30 days. 
The items in question to be removed are : 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 with account # XXXX Should also be deleted : Public Record from a XXXX XXXX Bankruptcy 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 non-monetary relief
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Subject : Urgent Concerns, Intent to Pursue Legal Action, and XXXX for Validation of Debt Against Transunion Dear Consumer Financial Protection Bureau ( CFPB ) Team, I am writing to express my deep concern and frustration regarding the ongoing inaccuracies and unfair treatment by TransUnion, a credit reporting agency. This marks my second attempt to address these issues, and I am prepared to take legal action if necessary to rectify this situation and protect my consumer rights. Recently, I received an adverse action letter that cited negative outcomes resulting from the inaccurate information reported by TransUnion. In response, I promptly contacted TransUnion to initiate a dispute for the entire credit report and all information within it. Regrettably, my efforts were met with uncooperative and disrespectful behavior from Transunion representatives, who refused to transfer my call and were dismissive of my concerns. Furthermore, during the course of our interaction, I was asked to provide my Social Security number, a request that I find concerning given the ongoing inaccuracies in my credit report. This demand raises legitimate worries about data security and my rights as a consumer seeking resolution. In light of the circumstances, I want to stress that I am disputing the entire credit report, including all information contained within it. I am seeking validation of debt for each piece of information present on my consumer report to ensure accuracy and transparency. I believe that every consumer has the right to accurate and reliable credit reporting, and I am committed to upholding this right. I kindly request the CFPB 's intervention to compel Transunion to promptly and professionally address the inaccuracies in my credit report and provide the necessary validation of debt for all information. Additionally, I urge the CFPB to investigate the unprofessional conduct of TransUnion representatives during our interactions. Thank you for your urgent attention to this matter. Please do not hesitate to contact me if you require any further information or clarification. Sincerely, 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 2022-11-17
Company: EQUIFAX, INC.
State: CT
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:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2021 ( add the date the client started with us ) with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: U.S. BANCORP
State: NV
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
In reference to new loan terms effective XX/XX/2020 for HELOC, US Bank has confirmed on XXXX, XXXX, 2020 due to their internal processing issue an escrow account was not established on this account until XX/XX/2020. Causing a larger payment due XX/XX/2020. This started the multiple errors, inconsistencies, and misinformation by US Bank. In a letter/response by US Bank dated XXXX XXXX XXXX, They claim a past due balance of {$720.00} occurred for principal and interest and additional late fee assessments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and that US Bank advanced payment in this amount and waived all late fees. 
On XX/XX/2020, an 8-page billing statement reflected principal, interest, and escrow reallocations of all my payments. This information is inconsistent with the history statement provided by US Bank dated XX/XX/2020. The reallocations of all payments, clearly showing the inconsistencies with the principal balance as well as periodic daily interest charges. This affecting the periodic daily interest that is assessed based on the principal balance is on the day lived in the home. One example ; the periodic daily interest rate is .00956 % and on XX/XX/2020, with a principal balance of {$65000.00} for 30 days of interest ( for XXXX ) the amount charged was {$69.00} yet on XX/XX/2020, at a principal balance of {$65000.00} for 31 days of interest ( for XXXX ) the amount charged was {$310.00}. This is only one example of the multiple errors & inconsistencies made/reflected with the accounting, payment allocation, payment reallocations, and incorrect interest being assessed/charged to this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: ACIMA CREDIT, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
ACIMA -- I CALLED THIS COMPANY SEVERAL TIMES, TO EXPLAINED THAT I WAS GIVING THE WRONG INFORMATION. I GOT THE FURNITURE IN XXXX, I CALLED THIS COMPANY ONCE I RECIEVED THE FURNITURE THAT I WANT TO DO THE 90 DAYS SAME AS CASH, THE REP SEEM AS IF I WAS BOTHERING HIM. HE TOLD ME YOU CAN DO THAT ANYTIME, I EXPLAINED I BOUGHT FURNITURE FROM YOU SEVERAL TIMES, AND THIS NEVER HAPPENED, THE REP ALWAYS SET IT UP FOR ME. TIME WENT BY I FELL BEHIND AND WAS GOING THRU HARD TIMES, I ASKED ACIMA, CAN THEY GIVE ME A LOWER AMOUNT OR PUT ME ON A HARDSHIP THE SUPERVISOR, START TALKING TO ME CRAZY, AND I TOLD HER I WAS GIVING THE WRONG INFORMATION AND I HAVE BEEN WITH YALL FOR A LONG TIME AND NEVER HAD THIS PROBLEM. WHEN YOU DO NOT PAY 90 DAY SAME AS CASH YOUR AMOUNT DOUBLE WHICH IS UNETHICAL, THEY SPEAK TO YOU RULED THREATING ME ABOUT PICKING UP MY FURNITURE WHICH I ALREADY DOUBLE PAID FOR IT. THEY CALLED ME SEVERAL TIMES A DAY, I FEEL ABUSED BECAUSE WHEN YOU CALL NO ONE WANTS TO HELP YOU. THE SUPERVISOR, INSTEAD OF TRYING TO HELP YOU, SHE SPEAK TO YOU NASTY. PLEASE HELP ME. ACIMA, TAKE ADVANTAGE OF THEIR CUSTOMERS. I HAVE PAID OFF ALL MY FURNITURES BEFORE WITH NO ISSUES.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had XXXX  and when covid first hit we were no longer working so I disconnected my service to get the free service for low income since I was on public assistance because it was the height of the pandemic where thousands were dying a day there was no way to return equipment every the was closed and the rep that closed my account said there is nothing that can be done and that my account balance would be XXXX. Since then I've had 4 different collection agencies including the most recent that put the XXXX back on my credit reports each time it has been put on I dispute it the XXXX agencies remove it and then it passes to a new collection agencies it feels like a scam and the current one XXXX XXXX XXXX never contacted me no notice or phone calls nothing at all and less than six weeks ago it was a different collection agency I spoke with them exploit the situation and she claimed to dispute it on her end I never heard anything else from XX/XX/21 when we spoke and when I checked my credit since I was planning on moving I see that it bas now changed hands again and its this agency now I can't even move my credit is ruined and they have been doing this to me through I the entire pandemic even when I contracted XXXX  and felt like I was XXXX I had to stop and dispute this while shivering with XXXX XXXX I would really like this to stop please make these people stop doing this too me my life was destroyed by contracting XXXX losing my job and now my credit is completely ruined because I never owe anyone no matter what I was going through financially I even took loans out that I'm still paying back now to survive and make sure I pay all my bills on time

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 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them.

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 2023-02-03
Company: EQUIFAX, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX Date of inquiry : XX/XX/2021 XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX  Date of inquiry : XX/XX/2021 XXXX Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I received a letter from Barclays Bank, indicating that my Barclaycard Financing Visa card Account is 3 months past due. My XXXX account records, showed, however, that I had been making payments of {$250.00} each in XXXX, XXXX and XXXX of XXXX. I talked to Barclays representatives approximately 5 times after XXXX. Finally, I talked to their Resolution Department ( XXXX ) who told me I should send them a voided XXXX check and my online records from XXXX showing each of the payments to Barclaycard. On XX/XX/XXXX, I sent an additional {$500.00} over the phone so that I would be able to close the account. On XX/XX/XXXX I called again and sent my documents to their e-mail ; they ( XXXX XXXX told me I would get a phone call in 2 days, which did not happen. I called again on XX/XX/XXXX ; nothing happened. I asked XXXX to send me detailed records of their 3 payments. I sent these records in XXXX to the e-mail given to me ( XXXX ). I received a letter dated XX/XX/XXXX indicating that they would respond in 45 days. On XX/XX/XXXX they ( XXXX ) opened case # XXXX. In XXXX I received a phone call asking me to pay more than {$800.00} ; when I called, their system was down, so they asked me to call them later.

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 2023-01-31
Company: eMortgage Funding LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
eMortgage Funding LLC is calling me via XXXX XXXX from a credit pull I had from another broker. They have called 4 times, each time I clearly say to opt me out and put me on your do not call list. Each time they hangup on me, and then I get another call the next day. Each time they call from a spoofed number that is different. An audit will need to be conducted to uncover their calls to XXXX XXXX at XXXX XXXX XXXX. A review of their call recordings will show the blatant disregard for compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: WELLS FARGO & COMPANY
State: MD
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:
To Whom It May Concern, Upon reviewing my credit report, I became aware that Wells Fargo reported to the credit bureaus that I had a balance of {$11000.00} that has been reported delinquent. On XX/XX/XXXX, I mailed a credit dispute letter to Wells Fargo Credit Bureau Dispute Resolution requesting for copies of payment agreements, lateness, delinquency for the associated account. Sometime after XX/XX/XXXX, I received a response from Wells Fargo Credit Dispute Resolution dated XX/XX/XXXX, which stated they needed further information to investigate this dispute. On XX/XX/XXXX, I contacted Wells Fargo Credit Dispute Resolution and spoke to a representative who provided an account number and also advised that the account should read as settled in full with a XXXX balance. I proceeded to fax another credit dispute letter with the new information on XX/XX/XXXX. On XX/XX/XXXX, I again contacted Wells Fargo Credit Dispute to follow up on the investigation. ( 35 days after XX/XX/XXXX ). On that day, I was forwarded to the Executive Office and filed a complaint since I have not receive any additional correspondence since XX/XX/XXXX. The representative who took my information advised that someone would contact me in two business days. On XX/XX/XXXX, I received an email from the executive office, who advised that they have received the complaint and would investigate the complaint and have some results by XX/XX/XXXX. I then spoke to a manager of the Executive Office who assured me that this investigation would be completed and I would receive correspondence via email. As of XX/XX/XXXX, I have not received any correspondence via email or telephone from the Executive Office of Wells Fargo. Now 64 days from XX/XX/XXXX to present day and 95 days after the original dispute letter that was dated 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 2022-04-10
Company: EQUIFAX, INC.
State: VA
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 DID NOT AUTHORIZE OR NOR CONSENT TO THE FOLLOWING INQUIRIES BEING FURNISHED ON MY CONSUMER REPORTS! XXXX - XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: Coinbase, Inc.
State: NH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I had BTC both in a wallet and a vault at Coinbase at the time BCH fork was created. An email from Coinbase said BCH would be delivered to customers in XX/XX/XXXX. A Coinbase article, stated those customers with BTC in a vault would receive BCH in a regular wallet. 

If my Bitcoin was in my Coinbase account rather than my XXXX account at the time of the fork, will I still receive my BCH? 

Yes, but the BCH amount youve been credited will appear in your Coinbase account rather than your XXXX account.Specifically, if your Bitcoin was in your Coinbase Vault at the time of the fork, your BCH will be credited to your BCH wallet in your Coinbase account.To access your BCH, log into coinbase.com where you will have the option to transfer to XXXX. ( XXXX | Bitcoin Cash FAQ https : XXXX ) On XX/XX/XXXX, a month early, Coinbase offered BCH to some customers and not all. There was a big press release where Coinbase stayed it had provided BCH to all customers with BTC at the time of the BCH fork. I received BCH for my bitcoins in their regular wallet, minus about a 6 % fee, but no BCH for bitcoins in their vault. The accompanying email stated Coinbase was working on providing BCH for funds held in their vault despite the article that said those customers would receive BCH in a regular wallet. 

( Screenshots attached ) After about 6 weeks and not hearing from Coinbase, I called their customer service department the first week in XXXX and was told Coinbase would not provide BCH to customers who held BTC in their vaults ( Screenshot provided ). I opened a ticket as advised and for the first time I received an immediate response from a representative at Coinbase who said they were working on the issue ( screenshot provided ) When Coinbase released BCH to some of its customers on XX/XX/XXXX, the following day on XX/XX/XXXX, BCH skyrocketed to about {$4100.00}. There was suspicion of insider trading and Coinbase conducted an investigation of itself. Since then BCH price fell over 70 %, Coinbases decision to provide BCH to some customers was financially harmful to other customers who were equally entitled to receive BCH but did not. They violated their own agreement, misled the public and probably broke laws around securities. A company can not selectively give dividends to some stockholders and not others at different times. Why should Coinbase be allowed to do so? 

I ask that Coinbase do the right thing and honor their agreement to deliver BCH to my wallet and compensate for the harm in its selective delivery of BCH to some customers with BTC ( at the time of the fork ) and not all its eligible customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2023 at XXXX XXXX I was alerted to a fraudulent charge on my debit account totaling {$370.00}. The charge was declined, and subsequently my debit card was cancelled. That day I reviewed my transactions and identified two more unauthorized transactions to which Chase credited my account {$250.00}. This claim is still currently active as of XX/XX/XXXX. 
On XX/XX/2023 at XXXX, I received a text alert regarding an unauthorized Chase XXXX transaction, to which I responded that I did not authorize the transaction. I then received a call at XXXX from what I recognized as the Chase Bank customer service support line at XXXX XXXX XXXX. The caller indicated my XXXX account linked to my Chase account had been compromised. They instructed that in order to intercept the {$1900.00} payment, I needed to authorize a XXXX " halt payment '' to XXXX. I followed the caller 's instructions with the intention of protecting the indicated amount ( {$1900.00} ). My call was transferred to the number XXXX listed as JPMorgan Chase. 
The connection for that call was lost at XXXX but the steps I'd taken evidently led to the payment of unknown individuals for an account whom I do not, nor does Chase Bank have any connection to. 
At XXXXXXXX XXXX I called the number back which was the Chase Customer Service line and immediately filed a claim to dispute the transaction. There was a claim submitted at that time indicating the fraudulent nature of the call however they did not initially report the recipient 's information. The recipient account has since closed it's XXXX account. 
On the morning of XX/XX/XXXX I filed a report with the federal trade commission report # XXXX. On the same day at XXXX I called to follow up on the disputed claim over the phone with Chase 's fraud department. They asked for the recipient 's number at this time. After providing further information regarding the claim, I was informed that the claim was denied on XX/XX/XXXX. No further steps were suggested other than to report through the XXXX app. I did not submit a report to this website as the Report Zelle Scam form online explicitly refuses to compensate victims of this type of crime.

Company response to consumer: Closed with explanation