BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$26000.00} XXXX XXXX Balance : {$26000.00}

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 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
This account has been permanently deleted from 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 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 filled a dispute with TransUnion for six inquiries that are in my credit report that I did not authorize and that are fraudulent. 

That dispute was submitted on XX/XX/2022 and I never heard a response from TransUnion in regards to said dispute and it has been more than 30 days since said dispute was submitted which I have attached a copy of, therefore, in accordance with the Fair Credit Reporting Act ( FCRA ) a credit reporting agency must answer a dispute within 30 days and TransUnion has failed to do so in this case, therefore, I am requesting the immediate deletion of the inquiries listed in my original dispute. 

In the event TransUnion does not honor this request in accordance with the Fair Credit Reporting Act and delete these disputed items I will file a federal lawsuit against TransUnion.

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 2021-02-11
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Coinbase is an online brokerage for XXXX and other cryptocurrencies. My family and I have 4 accounts with them. All of a sudden, we are still able to log into our accounts but the accounts are " restricted '' and it is NOT possible to make any transactions or close the account. There is NO one at the company to talk to ... only website inquiries. There are NO options to choose from regarding a " restricted account. '' I have used other forms on their website to submit an inquiry but for the last 4 weeks NO one has responded. I need someone at your office to either, ( 1 ) contact Coinbase for me, ( 2 ) email the a phone number at Coinbase where I can actually speak to someone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-11
Company: One Technologies, LP
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Response from XXXX after discovering monthly charges for a service that was not requested nor needed, from : XXXX XXXX, Senior Escalations Manager, Legal & Compliance XXXX www.onetechnologies.net " Despite your suspicion that **** may have navigated to our website in error ( via click-bait ), and that she wouldve never submitted her personal information for our online product, I can assure you a member subscription in her name was purchased on XX/XX/XXXX at XXXX XXXX PT, and subsequently maintained for nearly four ( 4 ) years '' at a cost of {$29.00} per month " For the record, **** subscribed to XXXX via marketing website, XXXX ; my original response erred in identifying the domain extension as .com. Nevertheless, the site it is owned by One Technologies, although not one in regular use in XXXX. '' The website, ( XXXX ), provided in your original email is not valid and is for sale thru XXXX XXXX. 

" Whether or not *** believes she was responsible for establishing her XXXX membership in XXXX, she does bear accountability in allowing it to remain active for the ensuing 45 months, in which multiple credit services were provided to her, at cost. '' Any emails sent would have been identified as SPAM and being an elderly person, would not have been reviewed. 

" After reevaluation, Ive afforded *** two additional refunds of {$29.00}, which now gives her a 120-day reimbursement covering all four months she was billed in XXXX. '' This leaves a balance of {$1200.00} for services not requested nor needed by someone with excellent credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I had applied for the American Express XXXX XXXX XXXX Credit Card on XX/XX/2018. I received an approval and got the card within few days as promised. As per the Card terms, if I would spend a minimum of {$3000.00} within the first 3 months, I would be awarded with XXXX bonus points. After meeting the minimum spend criteria, when the points were not reflecting in my account, I decided to contact the customer service of American Express. To my utter shock, they informed me that I am being declined the bonus and that the same was intimated to me during application. I vehemently deny this statement, as I was not informed at all regarding this during the application procedure. This is a malpractice wherein the financial institution is luring customers with false promises of bonus reward points and later declining them. I have been a victim of false marketing and promises and would like to raise my utter concern regarding the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-25
Company: Experian Information Solutions Inc.
State: CO
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 a victim of identify fraud. This is impacting my ability to get a home loan. 

I have contacted each Credit Bureau and provided documentation ; FBI IC3 report, FTC report and 2 different police reports ( 1 from city I live in and 1 from city this occurred ) and I can't get all of the 41 different inquiries ( at least 14 accounts with several attempts ) off my credit bureau 's.

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 2023-06-23
Company: Rocket Mortgage, LLC
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a FHA loan for a manufactured home, was told everything was approved and sent XXXX XXXX deposit of good faith, the day of closing I was informed that they denied the loan based on the age of the property and refused to return my deposit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2022-04-19
Company: CITIBANK, N.A.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/XXXX I received an email from Citibank to open a Citi checking account and earn a bonus of up to $ XXXX with required activities because I am a Citi XXXX XXXX XXXX XXXX since XXXX. On XX/XX/XXXX, I clicked on the link it took me to citi.com to open the account, that same day I received an email from Citibank with the link to the Welcome Kit as the account was opened, provided an option to transfer funds into the Citi account by logging into my other online account with another bank. I transferred {$15000.00} into the account. I then linked the newly opened account with my existing Citicard online access for my credit cards. Everything seems to be ok. Around XX/XX/XXXX, I could no longer access to my online accounts and still unable to get into both the credit card or checking access. XX/XX/XXXX, I spent 35 minutes on the phone with Citibank asking where my money is, they told me to wait for the letter in mail without any explanations why. XX/XX/XXXX, I spent 56 minutes on the phone with Citi Fraud Department asking for documents, which I had provided. They told me the account is closed and they will decide when to send me back my money after the account is closed. XX/XX/XXXX, I spent XXXX minutes on the phone, first they told me if I want my money back sooner I can go to a branch, but it is up to the branch if they want to give me back my money. XX/XX/XXXX, spent another XXXX minutes on the phone and someone " promised '' to call me back to get me more details. It didn't happened. XX/XX/XXXX, the letter from Citibank arrived and it said " Your Citi accounts will automatically close within 60 days '' because they found that I have violated the terms of " your account per the client manual ''. I called Citibank again and they would not talk to me because they are now asking me for the debit card number in order to go through their verification that they had other means to do so from multiple calls before, the letter specifically said the card is longer active then why asking for the number, I had no use to keep a closed debit card. They are holding my {$15000.00} hostage without any clarification even though I have provided documents that were asked, I've been a credit customer for years and now Citibank is committing fraud against consumers by taking their money and holding it for XXXX or more days without cause, meanwhile using my money to loan it out to others and making a profit of my money. This is financial fraud against consumer without any explanations or rights.

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 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2022-04-19
Company: Experian Information Solutions Inc.
State: NV
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:
During XXXX, I was attending graduate school at least half time. XXXX, the servicer of several loans, failed to contact me and inform me that my student loans were not in deferment. It was not until XXXX that I was made aware that XXXX was demanding payment. I spoke with a representative from XXXX, and they steered me into a forbearance, and gave me additional ACCOMMODATIONS to address what they were claiming as a delinquency. XXXX also initiated Income Based Prepayment, and wrote me a letter of Good Standing. However, even though I brought the a account " current, XXXX continued to report that my accounts were 90 days delinquent, which damaged my credit score and my ability to secure an auto loan.

The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, Pub. L. No. 116-136 ( XXXX. XXXX, XXXX ), at section 4021, amends the Fair Credit Reporting Act ( FCRA ). A new subparagraph ( F ) is added to 15 U.S.C. 1681s-2 ( a ) ( 1 ), which provides, in part that " If a delinquent consumer manages to catch up during the accommodation period, the creditor or other furnisher must then report the consumer as current. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( II ) ( bb ). '' However, as noted above, XXXX continues to report my accounts as 90 days delinquent. XXXX is violating the FCRA, and/or other laws.

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 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-12-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My complaint is a old one that is still effecting me today. @ 2008 I was making my mortgage to Chase but each time I needed something they would tell me they need to check with XXXX XXXX.I went to XXXX and they got forbearance for me and added the delayed payments to the end of my loan.Then Chase started to give forgiveness for deferred payments.When I made a request to Chase they said XXXX XXXX was refusing to give forgiveness.Now that the government is giving out help I-have attempted to get the deferred payments forgiven but I am told there is nothing I can do. 
If XXXX XXXX was allowing Chase to be the heavy header back in the day why would they not allow their clients to secure the benefits being offered., nowadays senior citizen I cant get a reverse mortgage because when they add the deferred amount I owe too much to qualify Now what do I do

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Experian Information Solutions Inc.
State: FL
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 am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2020-09-24
Company: EQUIFAX, INC.
State: MN
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:
I was already in the rehabilitation with the Department of Education. However, they never remove it out of collections. It has a negative effect on all 3 credit bureaus. I was was informed in writing if I complete the program the negative remarks will be removed from my credit report. Also, I was never informed about the forgiveness program. My due process was never given to me. For example, no one never explained the Income Based Repayment Program. Based on my income my payment will XXXX amount and the negative items would of never been on my credit. In fact, I would of been in an excellent situation regarding my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I wrote four checks in XXXX for the amount of {$4500.00} each from Wells Fargo, my company is XXXX XXXX. These were stolen from the post office, the thief deposited them in another bank account. I made my report when my customer tells me that he still has not received his check, I discovered that the check had been deposited without any alteration, only that it was deposited in another account, my bank said that I need to wait up to 120 days, it is worth mentioning that the checks were not altered only deposited in another account without the bank noticing that this did not belong to the company that was to be deposited

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 2023-06-06
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:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

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 2022-04-19
Company: EQUIFAX, INC.
State: NV
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:
During XXXX, I was attending graduate school at least half time. XXXX, the servicer of several loans, failed to contact me and inform me that my student loans were not in deferment. It was not until XXXX that I was made aware that XXXX was demanding payment. I spoke with a representative from XXXX, and they steered me into a forbearance, and gave me additional ACCOMMODATIONS to address what they were claiming as a delinquency. XXXX also initiated Income Based Prepayment, and wrote me a letter of Good Standing. However, even though I brought the a account " current, XXXX continued to report that my accounts were 90 days delinquent, which damaged my credit score and my ability to secure an auto loan. 

The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, Pub. L. No. 116-136 ( XXXX. XXXX, XXXX ), at section 4021, amends the Fair Credit Reporting Act ( FCRA ). A new subparagraph ( F ) is added to 15 U.S.C. 1681s-2 ( a ) ( 1 ), which provides, in part that " If a delinquent consumer manages to catch up during the accommodation period, the creditor or other furnisher must then report the consumer as current. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( II ) ( bb ). '' However, as noted above, XXXX continues to report my accounts as 90 days delinquent. XXXX is violating the FCRA, and/or other laws.

Company response to consumer: Closed with explanation