BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-27
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 homeless 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 non-monetary relief
Consumer complaint received 2021-07-26
Company: CITIBANK, N.A.
State: NY
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 initially sent a series of letters to the Credit Reporting Agencies as well as the Actual Creditor. ( My last communication was XXXX, see attached ) I am fully aware of how reporting works and found proof of non-compliance in accordance to the E-Oscar and Metro 2 format formate ignoring to report. 

CITIBANK N A Account ID : XXXX The account is incomplete. The complete and itemized listing of the dates for these accounts was never provided. I am having trouble getting them from the original creditor. 

Please see attached documents of proof of me sending the letter and the agencies receiving them. In addition to that, please note that they are neglecting my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ). 

It is very urgent that you please investigate and resolve as this is destructive to my character and is obstructing my ability to obtain loan.

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 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
There are several things that have happened : XXXX XXXX : On XX/XX/2022, it says that we had a late payment on all three of my credit bureaus. The payment was processed through their portal but it did not go through and I was never notified even though I received a payment confirmation. 

XXXX XXXX  : This account was opened in XXXX through XXXX XXXX XXXX XXXX for a new mattress. I was told that I would receive information on how to pay my bill in the mail. Nothing ever came. I called XXXX at least 3 times trying to get information on how to pay. The automated system would hang up on me because I didn't have an account number, but I didn't know the account number because I never received anything in the mail. They then texted me on XX/XX/2022 to call them to make a payment. Relieved, I called them, made the payment and the money was drafted over the phone. Then they charged me for a 30 day late. They would not remove it on their end and told me there was nothing I could do. 

Multiple Inquiries on my credit report : I tried to get a business loan through an online lender and they gave my confidential private information to 3rd parties who have continually run credit checks on my account. I'm livid. I think there are 30 different inquiries right now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Dispute was submitted XX/XX/XXXX. 

Here are the details of what happened. 

I received a {$500.00} Vanilla Gift Visa Prepaid card for my wedding on XX/XX/XXXX. On XX/XX/XXXX, after returning from my honeymoon, I opened the packaging which was intact and did not look tampered with and checked the balance on the website VanillaGift.com ( I've had another issue of a VanillaGift Prepaid not being activated after purchase last year, so I check the balances of all gift cards/prepaid cards now ). When I checked the balance, there were several charges to XXXX throughout XX/XX/XXXX and several reversal batch transactions that added funds back in. The total fraudulent charges totaled {$140.00} after all the batch reversals. I called VanillaGift.com at XXXX ext. XXXX and told them about the brand new card being compromised even though the packaging was intact. The woman on the line told me she could see the transactions and reversals and confirmed the card was compromised and she would be issuing me a brand new card. I asked her if the new card would be for the full {$500.00} and she said yes and that it would take up to 30 days to receive the replacement card. 

On XX/XX/XXXX, the replacement card arrived and the front of it shows {$360.00} and to activate it by going to the website or by calling ( There is no way to activate on the website either ). I called VanillaGift.com XXXX ext. XXXX and told her about my experience with the other woman on XX/XX/XXXX. She confirmed she could still see the fraudulent transactions on her end, and that I would need to file a dispute ( she told me to use this Dispute # XXXX ). She said it could take XXXX business days plus 90 days for them to complete the dispute. 

By calling on XX/XX/XXXX, I had already verbally disputed ALL the transactions. I had never used the card and had just taken it out of the packaging. The woman did not give me a dispute form on XX/XX/XXXX. Only after calling a second time about the remaining missing funds was one presented. 

I sent an email and a letter at the beginning of XX/XX/XXXX, and they finally responded. 

Today, XX/XX/XXXX, I received an email from the dispute team saying they saw no errors. The transaction list shows fraudulent activity and batch reversals that are clear there was an issue with this prepaid card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Nationstar Mortgage took over my loan in XXXX and they have been misrepresenting the accounting on this mortgage since they took over. They have been unable or unwilling to provide me with a detailed accounting of the escrow account and they have continued to add fees and charges to the account. Their records now show a past due amount of {$5700.00} on the loan despite all payments have been current since XXXX when they took over. 

One of the problems is that they purchased an insurance policy in XXXX when the home already had a policy in force and they charged the escrow account. They have also incorrectly posted payments in the account to the wrong months. I have been trying to resolve this with Nationstar since XXXX through calls and emails and they will not provide me with any customer support. They continue to transfer my calls to a call center in XXXX and the representatives can not assist me with these issues and do not understand the escrow accounting. I am now under contract to sell this home and want to resolve this before the loan is paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have my money stuck in Coinbase and I recently complained to them that I need to change the Link bank account on my profile but all i keep getting from them is this ( We've reviewed your Coinbase account and determined that you're no longer eligible to use the Coinbase platform. This includes purchasing cryptocurrency, depositing into Coinbase, sending cryptocurrency off of Coinbase, and linking new payment methods ) I have a lot of money in the coinbase and they won't let me withdraw my money. I have opened numerous tickets XXXX. 

I have uploaded the account closure documents they asked for and still yet they don't want me to get my money out, this is my money and I also got another email from coinbase saying they will forfeit my money and close down my account which they have no right to do that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-27
Company: Genesis FS Card Services, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have not been able to use my destiny credit card since the XXXX f XXXX a contactted customer service and was told there was a block because of one {$10.00} pand dollar payment that did not go through on XX/XX/XXXX I was not aware of these terms I was not It's warned about future and sufficient fun returns and as of XX/XX/XXXX I'm still unable to use my card and I am having to pay interest on charges with a call that I can not use Due to these actions I am being threatened by bills that I have ACH AUTO PAY using mydestiny credit card and have incurred late fees as a result

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25
Company: Experian Information Solutions Inc.
State: NC
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:
There is no sufficient information to support the credit bureaus claim. The payment here is sent in advance so I don't understand why this is past due..Please fix this for me.. I was not late on XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing to express my dissatisfaction and concern regarding the debt collection attempts made by Transworld Systems Inc. ( TSI ) in connection with an account associated with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I received a response to my debt validation letter, which was sent by certified mail on XX/XX/2023, dated XX/XX/2023, and I would like to bring to your attention the inadequacies in the information provided. 

In my debt validation letter, I specifically requested details about the authority to collect the debt. However, the response from TSI did not provide any information in this regard. To facilitate a meaningful discussion about the debt, I would appreciate your prompt attention to the following questions : I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, kindly provide the reason for not having one. If so, please furnish the date of the license, the name on the license, the license number, and the name, address, and telephone number of the state agency issuing the license. 

If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address, and telephone number of the state agency issuing the license. 

Furthermore, I would like to highlight that TSI has added its own personal interest charge to the debt, resulting in an inflated amount. It is my understanding that adding personal interest charges is illegal. The principal amount owed to XXXX was {$1300.00}, and according to the debt validation letter, the current amount owed is now {$2400.00}. 

I insist that TSI rectify these discrepancies and provide the necessary information in compliance with debt collection regulations. Failure to do so may result in legal action to protect my rights as a consumer. 

I request that you address these concerns promptly and provide a detailed response within 30 days from the date of this letter. Your cooperation in this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a text on XX/XX/2020 at XXXX XXXX cst informing me of my attorney to contact XXXX  XXXX. I have never heard from them or spoke with them before that day. I was asked to contact them at XXXX which I did. I verified my phone number and social security number with the representative. She informed me this was in reference to a debt that I had with ace cash express some time ago. I was told there is an outstanding balance owed of {$800.00} and was asked if I had committed fraud against ace cash express or did I run into a financial hardship. 

I can not remember the representative name but she sounded as if she was from XXXX or somewhere in that region, she offered a settlement of {$500.00} and I informed her that I could not pay that today. She asked if I could pay {$200.00} a month and I said no, then she started to get aggressive and I said {$150.00} a month I believe I could handle that. I proceeded to ask her for a letter in writing stating this payment plan, so I could have proof from their company in writing and she refused. She became hostile and verbally abusive to me. She stated that I just needed to give her my bank card or information. She would not allow me to explain why I was not comfortable with handling this matter this way. She then proceeded to tell me that I should get an attorney and that she is logging this conversation as a refusal to pay. I did not get a chance to say another word, because as I attempted to dispute her remark that I was refusing to make arrangements she hung up in my face. I have never in my life been treated so terrible and I know that is not in compliance with FDCPA laws and that I have rights as a consumer. I ask that you please assist me by investigating this company and their tactics. The representative also stated that she was in the legal department. Lastly the representative stated that she is turning my file over to the clerk of court office.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Freedom Mortgage Company
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Here is the email I sent to Freedom Mortgage : I am a service XXXX XXXX veteran on a fixed income through the VA. I desperately need your help sir. 

My name is XXXX XXXX, a " customer '' of Freedom Mortgage. You service my VA loan on my home. In the last 30 days I have been under immense stress from your company. Specifically the Escrow and Tax departments. 

Back story : In XXXX, Freedom mortgage increased my mortgage payment incorrectly due to an error in your escrow department. My normal payment which I have paid on autopay for most of the year is {$3400.00} however in XXXX I received a letter stating my taxes have doubled and my new payment is {$3800.00}. 

I contacted FM, they said not to worry we are working on it in XXXX when I received the bill. I called immediately. However in XXXX I received another mailer with an escrow refund check and the XXXX mortgage statement showing the increased payment. So I called back in. 

Several hours and many dropped calls ( felt like they hung up ) I finally got to the escrow department and they identified the issue. Out of the blue and for no reason anyone at FM could explain, my taxes are being charged twice. I contacted my local County Auditor and they assured me my tax bill has not changed... 

On the last call in early XXXX I was told they are doing an Escrow Inquiry that will take 7-10 Business days. I was instructed on a recorded line to cancel my autopay for XXXX and send in a check for the correct amount of {$3400.00}. Which I did. Your company received that check on XX/XX/. However FM refuses to accept the check and apply to my account. It's currently being held in a suspended state. 

Today I've been contacted by your Debt Collection department for payment of the increased incorrect payment. They've added fees and penalties and threatening adverse credit reporting. Now I've spoken with no less than a dozen of your employees bounced around from Tax, Escrow, Debt Collection, Customer Escalation, etc. 


UPDATED as of XX/XX/ : Freedom Mortgage has not applied my payment from XXXX which they received on XX/XX/. They are now reporting my account as in default, late and that I owe XXXX and XXXX plus penalties, late fees. 

I have called this company nearly XXXX times any there has not been an answer on the phone at all. Estimated wait time is XXXX minutes, but after sitting on hold for over an over on multiple attempts, i have no been able to reach anyone.

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 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX  Account name : The XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX  Account name : XXXX XXXX XXXX Account name : Department of educationXXXX 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 2021-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 am victim of identity theft and fraud. I have notified alleged creditors that the items on my credit report does not belong to me, and they have not validated any debts from alleged creditors with competent evidence of a valid contract according to the FCRA section 609 and best evidence rule that requires primary evidence meaning original version and other consumer laws i.e. title 15 U.S. Codes section 1681 and 1692. I have not in any way received goods, credits, money, loans, services, or any transactions. The alleged creditors have not provided proof of claim and my social security number has been used unauthorized, and without consent and written or verbal permission. I have not authorized any of these creditors listed to have access to my credit report, and/or score. My social security number information was breach and alleged creditors have used my social security number and are in violation of the privacy act of 1974 etc. unless they can prove a written contract exist.

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 2023-11-18
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I received a right to cure default letter from Wells Fargo.. 
since that letter I have requested no less than 5 ( five ) times assistance from Wells Fargo to get my original loan documents, deed as well as title documents.. 
it has now been several weeks and my deadline is XX/XX/2023 can you 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