BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-09
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
XXXX I have read all documentation, and no where does it state, that my eligibility would be compromised, in executing the XXXX. XXXX XXXX, advised me to take this route due to all the hidden issues in the house, as well as Appraisers, mis-handling, of the appraisal. In his own words, he stated the sellers real-estate agent had told him all the work, in remodeling had been done in the past year. 

In reading, and speaking with Mr. Coopers Rep 's, I still have not been shown, nor presented with the assessment, against my VA eligibility and what it was for. On page 24, it states, relates of liability, and no mention of costs against my VA Loan. 

Stating I was free and clear of the home, was an understatement, only to come back and claim to VA, monies. 

XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I was approved for American Express Delta Reserve card on XX/XX/XXXX. Terms stipulated that XXXX XXXX XXXX  MQMs ( medallion qualifying miles ) would be posted to my account after the first purchase, and another XXXX Delta MQMs posted after spending over {$30000.00} on the card. I reached this spending threshold on XX/XX/XXXX. As of XX/XX/XXXX, I have received neither the initial XXXX MQMs nor the additional XXXX MQMs to my account. I spoke with an AMEX representative in XX/XX/XXXX, who said the miles should post 8 weeks after the initial purchase, or on or about XX/XX/XXXX, and another representative in XX/XX/XXXX who said that both bonuses would post after the third statement cycle. Both of these time periods have long since passed. On XX/XX/XXXX, an AMEX representative informed me that I would have to contact XXXX XXXX to inquire as to the status of the miles. XXXX XXXX  informed me that they have no record of any miles posting and can not do so until they are allotted by the financial  institution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: PayTomorrow, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
This is in response to consumer complaint number XXXX. 

PayTomorrow has stated that this application is out of their jurisdiction and that I should contact XXXX in regards to the denied application. 

However after speaking with the XXXX XXXX XXXX at XXXX, he responded : " PayTomorrow is a platform and XXXX is the Lease to Own option on that Platform. Along with other lenders of which PayTomorrow is XXXX of them... They would have to respond about this notice as it is their notice to you '' Please provide me with a proper response and direct me to the right person of contact to approve my finance application at XXXX XXXX XXXX in XXXX, CA or I will be forced to file a small claims lawsuit with the state of California for breaching the Truth in the Lending Act and Equal Credit Opportunity Act for discrimination of the applicant on creditworthiness when the applicant clearly has the ability to contract as the social security number was ran through XXXX XXXX during the denial process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-11
Company: WELLS FARGO & COMPANY
State: SD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This complaint is to answer Wells Fargo 's misrepresentation once again concerning notification of my person and my attorney when Wells Fargo sold the existing mortgage to XXXX XXXX in XXXX of XXXX and didn't notify my attorney or myself until after the date of filing of withdrawal of the lis pendens ( not the lawsuit ) on XX/XX/XXXX. The lawsuit was withdrawn on XX/XX/XXXX just 3 days before the trial which they did not want to go through with as it was a frivolous case. This notification was submitted to XXXX XXXX, the XXXX XXXX XXXX XXXX lawyers, and admitted but crossed out my name as to the recipients receiving the notification. Neither Wells Fargo or XXXX XXXX notified my person or my attorney in XXXX of XXXX that the property had been sold and Wells Fargo had no more interest in the property located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX. I continued to pay legal fees even when there was no active lawsuit or lis pendens in place during that time. The question is why Wells Fargo didn't notify my person that they no longer had an interest in the property in XX/XX/XXXX and drop the legal actions, lis pendents and the lawsuit, in response. 

The second issue is Wells Fargo submitted an application that I signed to obtain a current credit report however stated that the credit report received was not available as the paperwork no longer existed due to its age yet they found all other documents relating to the application so clearly Wells Fargo does not want the courts or public to know that it was the fault of the Wachovia originators and underwriters who didn't catch the issue with the HELOC with the XXXX balance, an account the Wachovia salesperson said not to enter on the written application as they only want accounts with balances. 

This is the reason why Wells Fargo will not answer the question on why they filed the lawsuit as they knew it was frivolous but had an underlining agenda or motivation to do so which is still to be determined. 

This information is also going to the US Attorney to be announced.

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 2021-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the XXXX XXXX XXXX  is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SS # ENDING IN 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 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
ccordance with the Fair Credit Reporting act. The List of accounts below has violated my In accordance with Fair Credit Reporting Act the listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-17
Company: Coinbase, Inc.
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XXXX I was notified by Coinbase that an unauthorized transfer of {$1000.00} was unsuccessful and that I had to act immediately to fund this action. So I transferred the {$1000.00} and contacted Coinbase to explain that I did not make this transfer and that it came from their end. Coinbase locked my account out of XXXX. Coinbase told me to make several security measures and then they would unlock my account. I did. Since then I made requests to explain the unauthorized withdrawal and to unlock my account. No one has ever responded to multiple request including a close account request. Coinbase has refused to communicate or explain why I am out {$1000.00} or unlock my account. I mailed XXXX XXXX CEO of Coinbase of the circumstances regarding this indefinite unlawful lock out and non-responsive customer support as well as the multiple class actions against Coinbase for the same issue. 
No one has responded and I am still locked out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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 printed my Transunion report and noticed unauthorized/fraudulent inquiries on my credit report. I called Transunion to report this fraudulent activity on my report and I was told to mail an FTC report along with other documents. The FTC report and documents were sent via certified mail with a copy of my ID, social security card and utility bill and Identity theft report requesting these inquiries to be removed from my credit report. 

when calling Transunion to follow up on my dispute/case, I was transferred to a Supervisor by the of name XXXX, XXXX told me and I quote " We Transunion don't dispute anything on the consumer credit report and there is nothing to do '' you have to dispute with the bank '' even after me telling him that the bank told me that they didn't have any information and to call transunion because they start a dispute contact the bank and the bank will tell to delete. I have RECORD of the Conversation. 

by Transunion denying my right to dispute by saying they don't dispute, This violates my rights to privacy under FCRA. Section 604 [ 15 U.S.C. 1681b ] - Permissible purposes of consumer reports. ( C ) Furnishing reports in connection with credit or insurance transactions that are not initiated by the consumer. ( 3 ) Information regarding inquiries. Except as provided in section 609 ( a ) ( 5 ) [ 1681g ], a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

attached is the return reciept from USPS, my documents were recieved by XXXX XXXX from Transunion- the fraudulent inquiries are XXXX XXXX XXXX ON XX/XX/2023 AND XXXX XXXX ON XX/XX/2023 - FTC Report # 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 2023-06-22
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: Personal information incorrect

Complaint:
To Whom It May Concern TransUnion XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX UPDATE MY NAME, THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2019-10-11
Company: Social Finance, Inc.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On approval of my XXXX loan I called SoFi to change my autopay date. Their customer service told me I needed to make one payment before I was allowed to change It and that I was only able to either have the Autopay date of the XX/XX/XXXX or XX/XX/XXXX..  My payment was made on XX/XX/XXXX and i proceed to change the date of the my new autopay. I successfully changed it to the XX/XX/XXXX and only afterwards did I realize when I logged in again that I was being forced to make two payments in XX/XX/XXXX. I called the company and spoke to a supervisor XXXX who told me that there was nothing I could do about this and I would be responsible for making two payments because I had changed my autopay date. If I had been told that this was in fact the case either online or via the three calls I made to their customer support I never would have put myself in financial peril by doing that. At this point I am being forced to pay twice for something that I was never notified about the repercussions of doing this even after having spoken to more than two agents. I feel ripped Off and so upset at what has happened to me. This is unfair practice and should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: U.S. BANCORP
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was under the impression i was on a relief program with US Bank ... my business was impacted by the pandemic as well as my mom passing away ( as I told US Bank ) ... now credit report says I am delinquent ... i have been 100 % on time up until past 2 months ... i was qualified for relief loan until they reported negative ... this relief program would have secured my company and any bills my company created

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 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA. XXXX XX/XX/XXXX TransUnion Consumer Relations XXXX XXXX XXXX XXXX, PA XXXX Subject : Demand for Payment for Defamation of Character Dear TransUnion Consumer Relations, I am writing to address not only the mishandling of my original complaint : XXXX but also the detrimental impact it has had on my reputation due to the inaccurate information on my credit report. The false reporting has resulted in significant harm to my character, and I demand proper compensation for this act of defamation. 

Despite my sincere efforts to dispute the inaccuracies in my credit report, the previous resolution process fell short, failing to rectify the situation effectively. As a result, my credibility and financial standing have been unjustly tarnished, causing distress and potentially affecting my ability to secure loans, housing, and employment opportunities. 

Given the severity of the situation, I demand immediate action to remove the false information from my credit report and provide written confirmation of its removal. Furthermore, I expect appropriate compensation for the damage caused to my character, in accordance with applicable laws and regulations governing defamation of character. 

I kindly request that you address this matter with the utmost urgency. Failure to comply with this demand for payment and resolution may result in further legal action to protect my rights and seek proper redress. 

I expect a prompt response from your organization, acknowledging receipt of this letter and outlining the steps you will take to rectify the situation. Your cooperation and adherence to the legal standards of credit reporting are crucial in resolving this matter amicably. 

Thank you for your immediate attention to this serious issue. I anticipate a swift and satisfactory resolution. 

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 2023-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I lost my identification somehow a lot bank account online opened under my name I didnt opened 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 explanation