BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-12
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Hello, I am here to report CoinBase because I don't see any other way of resolving this. So I am a XXXX XXXX XXXX and make a living off XXXX. I enter trades on a daily basis and just like any other day I got on XXXX  ( the trading platform for Coinbase ) and entered and position which I was roughly planning on spending a couple of hours in. The following day, XX/XX/2018 I am told that my XXXX is temporarily suspended. After opening a few support tickets and calling them, I get an answer saying my account has been suspended due to a system error on their end and within 4 business days a specialist should review my account and allow me to trade again. Fast forward to today, XX/XX/2018 it has now been over 2 months and they now have stopped answering any of my support tickets and over the phone they only give generic answers and claim there is no supervisor or manager I can speak to. I can provide any type of proof of emails, claims, or anything you may need. The reason I stressed to them that this is a time sensitive issue, is that I'm in an active position, rather than sitting in FIAT ( USD ). This can also be seen as market manipulation and refusing to let me sell, let alone withdraw my funds. I have also participated in XXXX threads where there are thousands of angry customers with similar issues all helpless and not knowing to they can ask for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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. 


1XXXX XXXX XXXXXXXX # XXXX 2.XXXX XXXX # XXXX 3.XXXX XXXXXXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602A States I have the right to privacy.

15 U.S.C 1681 section 604A 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 reporting agency

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 2019-08-23
Company: JPMORGAN CHASE & CO.
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX is typical of the type of people these businesss hire sadly there has to be someone to fit these roles!!! This is a law firm who buys debt and then collects on it - its predatory, human-less and greedy!! Not sure what else they may do there but any one seeking legal advice stay away!! There are plenty of other attorneys out there that have no part in these practices ... they garnished my pay for a debt from 2008!!! Was told you paid it then stopped why???! What??? I dont remember obviously life happened! I have divorced and remarried since then seriously!!! I asked to settle the debt in full that day for a fair portion of the remaining balance -even though i had no recollection of this and I must have thought it was paid obviously so long ago who knows!!! I was denied the request!! I will also be going out to the XXXX XXXX XXXX and The Consumer Financial Protection Bureau etc ... Debt was for {$810.00} he garnished my pay {$200.00} - leaving {$610.00} remaining!! I was not served or received any notification of this supposed debt which is very very old!!! XXXX eluded to adding more money to be collected from this supposed court ordered garnishment! How is that even possible?!!! He works under an attorney supposedly but the garnishment came through as XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: GUARANTEED RATE INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company, Guaranteed Rate, has managed to mis-step every aspect of this loan. I submitted a complaint earlier this year as they were taking my monthly payments yet not allocating them to my account and subsequently sending me default notices. Thanks to your help that issue was fixed. However, despite them now allocating my monthly payments which include P, I, Insurance, and Property Taxes, they have managed to include the wrong tax info on my account. As a result they have not paid my taxes for two quarters ( so I am once again in default for this mistakes ) and they have been sending my escrow money to pay someone else 's property taxes. I have reached out for assistance in fixing this problem and have had no luck. And, they have now sent out another incorrect payment and missed another quarter 's taxes despite me reaching out and notifying them ( including sending them the latest XXXX of XXXX tax invoice showing all the details ). 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
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: Report provided to employer without your written authorization

Complaint:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Per case XXXX your response states that you contacted the furnisher and that they said that their information was accurate. The furnisher responded to the CFPB and stated that their information was indeed false. *******Please see attached CFPB. The furnisher per FCRA has 30 days to submit the corrected information, if they fail to submit the accurate information within the 30 days prescribed under the FCRA and FDCPA they MUST remove the information per law. Being that you are reporting information that is not accurate and unverifiable within the 30 days allotted. 

I opened a case with your company on XX/XX/XXXX, today is XX/XX/XXXX which is well OVER the 30 days allotted for such matters. 

How could your company verify this information with the furnisher if they were still researching this case themselves? Someone is definitely violating the FCRA by either falsifying information or not doing a due diligence check, at either rate : Your company is now in violation of violation of 15 U.S.C. 1692e and 15 U.S.C. 1692g ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

Your company knowingly provided information that was false. 

Please remove from my credit report to avoid further escalation to FTC. I look forward to a speedy removal from my credit report. 
Please remove this information from my credit file immediately. 

Thank you

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 2023-08-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22
Company: Experian Information Solutions Inc.
State: IN
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 received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a lil more explanation on. 
I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure 1 they are, I also read something called the fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681 ( a ) 7 I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted it they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. 
Please investigate the following accounts and remove them if anything is missing of not correct on them. 
Accounts Account Name : XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account name : XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

I also read where I can get the updated report after you investigate this from the XXXX XXXX XXXX. Could you please send it to me? Also, please let me know who had access to my file as I want the investigation outcome to be sent to my address I put on the from area Thank you for your time and help in this matter.

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 2021-10-21
Company: CrossCountry Mortgage LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021, I paid off my mortgage. I have approximately {$5.00}, XXXX in an impound account with CrossCountry Mortgage ( XXXX sub servicer ), plus applicable interest. I contacted the company for my refund and was told it was mailed on the XX/XX/2021. I have not received it and the statutory time frame has passed for receipt of escrowed funds to be returned to the borrower after closing of the loan. The company has been rude and uncooperative while i attempt to ascertain when i will get my deposit back and what their policy is on potentially lost mail. I have made three suggestions including overnight mail, ach deposit or wire transfer and they are refusing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-23
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am a XXXX old man struggling making my mortgage payment i have been in default for over 2 years trying to correct my past dues. Due to my negative credit score and being on fixed income i have not been able to get a loan to pay my past dues. i have been pre approved for a home loan which will help me bring my past dues. i have tried multiple times to get a reinstatement and payoff quote from the Lender and attorney who is handling the default and foreclosure with no success in obtaining a payoff or reinstatement quote. Every time i call PHH mortgage my lender they tell me the attorney XXXX XXXX is the only people who can generate a reinstatement quote. I have call Western progressive at XXXX and XXXX multiple times with no success in speaking to anyone. I only have the option to leave a voicemail. Which i have multiple times and they have not called me back. On XX/XX/2019 at XXXX XXXX  i sent a written request for an exact reinstatement amount to the fax number given by the pre recorded answering machine XXXX. I have called multiple times to request an update and i can not speak to anybody but leave a voicemail in addition the lender PHH is not helping me contact them they just give me the same XXXX number again. It is now XX/XX/2019 and i have yet to receive any information on the past due amount or if my fax was received. I feel as if this company is purposely trying to prolong the time so i could go into foreclosure and loose my home because there is of the equity my home has. I have my loan approved and the only thing missing is the reinstatement amount so i can get out of foreclosure however XXXX XXXX is prolonging my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: IN
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 received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a lil more explanation on. 
I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure 1 they are, I also read something called the fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681 ( a ) 7 I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted it they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation.

Please investigate the following accounts and remove them if anything is missing of not correct on them. 
Accounts Account Name : XXXX XXXX XXXX  Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account name : XXXX  Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

I also read where I can get the updated report after you investigate this from the XXXX XXXX XXXX. Could you please send it to me? Also, please let me know who had access to my file as I want the investigation outcome to be sent to my address I put on the from area Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: Experian Information Solutions Inc.
State: OH
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 refinance in XXXX with XXXX XXXX XXXX XXXX and was told I didn't need to make a Payment till XXXX and than they reported me late for XXXX and XX/XX/XXXX I started my journey with XXXX XXXX in XX/XX/XXXX finished paying the down payment in XX/XX/XXXX. In XXXX I called to make my payment and was told that if I paid the refinance application processing fee and any back overage fees they could move my payments to the end and I wouldn't have to make a payment till XXXX. I did this and the next day my credit report popped with 30 day late payment for XXXX and then in XXXX it popped a 60 day. I called XXXX XXXX  and was told I wasn't late and that the supervisor would send me a letter stating this. If I had known I would have been hit with late payments I would have insisted on making a payment as well. It's now XXXX I've called atleast 3 times between XXXX and now and was told the same thing. In XX/XX/XXXX I disputed the late payments but it came back as verified. I received the file below stating the account was in good standing.

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 2022-01-09
Company: Resurgent Capital Services L.P.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I ask this company to verify the debt they say i owe. I have been trying to get all negative information they have shared with everyone to damage my credit and life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX and Transunion are incorrectly reporting the XXXX partial account number XXXX. ( Please see page 16 of the attached credit report. ) This account was fraudulently opened by a housekeeper I had who stole my identity. I called and filed a formal complaint with the police department immediately after I discovered that this account had been opened. I have attached a copy of the officers contact information. I did not open this account, nor did I authorize anyone to open this account. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove these items however, I have not been successful.

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 2023-08-23
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/2023 I extended credit to XXXX XXXX ( XXXX XXXX XXXX ) 15usc1602 who then sent my private information to Ally bank who then use my information to run my credit without my permission & XXXX who denied me based on false allegations 15usc 1611 also 18 usc1951 I believe ally bank knowingly and willingly committed fraud because when I called they said no had no record and couldnt pull anything up with my name and social but yet I received a letter today

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 2023-08-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo, I paid the excessive fees and closed my account out of sheer frustration in 2018

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 2022-12-20
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: 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.

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 2018-03-12
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My late husband ran up huge debts, some in his name, some in my name. He XXXX XXXX in XXXX, 2015. My was XXXX XXXX, according to Texas law. I am being threatened by XXXX, a company in California, for a Citibank card. I did not use, and was not even aware of that card. Apparently, XXXX XXXX XXXX " dumped '' an overdue card of his own, probably an XXXX XXXX card, onto a card in my name. I wrote a letter explaining this to Citibank, when I discovered the debt on my credit report. Now, almost three years later, I received a letter from XXXX, threatening me, if I do not pay them, for outstanding debt of that card. I have sent a letter to them, as well, with a more lengthy explanation, and other supporting documentation. I will attempt to attach a copy here, without the other attachments, but will supply those, as well, if necessary. The most important this is : THIS IS NOT MY DEBT. If I am sued, I will fight this. I never used that card. I am XXXX. I sold my house to pay off any debts that might have been mine. I do not own a car. I think these people will be ruthless, and I am afraid, because, as I said, THIS IS NOT MY DEBT, and I am in very poor health.

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