BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX CHILD SUPPORT XX/XX/2023 XXXX XXXX To Whom It May Concern : On XX/XX/2023, I received a copy of my credit history report from XXXX, XXXX, and Trans Union. That Report contained incorrect information reported by you. 

I contacted the XXXX XXXX and Trans Union to request deletion of this inaccurate data from my Credit History Report, but they have refused. They insist that your company claims this information to be accurately reported. This is not true, and here as follows is the correct information : Child Support - I never had child support in my life. Me and my wife still live together and have our kids under the same roof. These child support payments are reporting inaccurately on all XXXX credit bureaus, ( XXXX, XXXX, and Trans Union ). 

This negative mark is damaging to my credit. Please contract XXXX, XXXX and Trans-Union , immediately to remove this information from my credit file. 

Please confirm to me within 20 days that you have contacted the credit bureaus to correct this information. 

Thank you for your time and assistance. 

Sincerely yours, 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 non-monetary relief
Consumer complaint received 2020-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
TransUnion LLC XXXX. XXXX  XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : 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 2023-09-20
Company: Experian Information Solutions Inc.
State: NC
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:
A fake charge from XXXX XXXX appeared on my credit report numerous times. The first time, I disputed online. It offers a section to upload documents but they're all either too big or the wrong format. Then it says the online dispute center is unavailable and you have to call. I had to call multiple times as each time I was on hold for way too long. The charge should be in dispute yet it came back. While Experian mailed me a copy of my credit report- which is about XXXX pages of perfect credit history, never carrying a balance, never late, all large loans paid early- they never provided any proof of an investigation whatsoever. My XXXX XXXX had THREE fake charges on it within the year. I paid the first two because I couldn't get a hold of their customer service but the third was a huge charge and enough is enough, this is criminal on their behalf. And neither XXXX nor Experian has provided me ANY evidence of an investigation or why they keep putting the charge back, when I have sent document after document showing that it's a scam company that charged me. I have not gotten a SINGLE piece of paper, document, explanation, nothing. So why is this charge there? Only thing I can think of is XXXX does this on purpose because since I always pay my account in full and never carry a balance they can't make money off me otherwise. I would like the credit bureaus to do a PROPER investigation into the fake charges, not just listening to whatever the criminals at XXXX say, and provide me of evidence of the actual investigation - because if anyone with half a brain investigated they'd see it's a scam company that made those charges. Please correct my credit report and stop allowing criminals like XXXX to invent charges and cause this much headache to hardworking people with nearly perfect credit scores.

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 2022-12-22
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened an account with Citibank on XX/XX/2022. I deposited my first check on XX/XX/2022. They notified me about closing my account on XX/XX/2022. I called and they told me my account has been closed and they cant give me any more information about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was told by XXXX that all my accounts including my credit card accounts would be transferred to Citizens Bank by XXXX XXXX. 

I have already made a complaint against Citizens about another issue. It seems that Citizens takes liberties they are not entitled to so they can charge extra interest, among other things. In this new example, it seems that Citizens Bank changes the date that a payment is due. I did not get any alerts about this nor did I receive any statement. 
For the month of XXXX I was under the impression that a payment was due on XX/XX/XXXX. The previous month I made my payment on XX/XX/XXXX, and had no penalties imposed on me. 
For the month of XXXX I made my payment on XX/XX/XXXX since the XXXX was on a Sunday. I did speak to a Citizens customer service agent on XX/XX/XXXX who told me I may be charged a late fee but once the account is updated I should call Citizens and they would reverse the late fee. 
Today I was reading my new statement dated XX/XX/XXXX and I did not notice a late fee but instead I noticed that I was charged more interest for the month, then for the previous month, over {$25.00}. I called Citizens and was told they could do nothing about it. 
In other words while there was no late fee on my statement, Citizens charged me more interest. The customer service agent claimed that my payment was not processed until XX/XX/XXXX and therefore I was charged interest. When I asked why I wasnt charged a late fee he had no answer. 
I am attaching two statements from Citizens, one for XXXX, XXXX ; the other for XXXX, XXXX and there are no late payments indicated but notice my interest payment has increased. 
Please tell Citizens to reverse this extra interest charge. On XX/XX/XXXX, my interest charge was {$170.00}, but for XXXX, it was XXXX. 
This is no way to do business.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: Nelnet, Inc.
State: MA
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:
There are 4 student loan accounts on my XXXX, XXXX and XXXX credit files, two of the accounts have different account numbers, the two accounts named DEPT OF EDUCATION/NELNET account number is XXXX, and the two accounts named U S DEPT OF ED/XXXX/XXXX account number is XXXX. the problem is there is no phone number being reported and it says that the accounts were opened in XX/XX/2012. I have disputed these accounts with XXXX, XXXX and XXXX and for some reason they told me that the accounts were verified as accurate. I asked XXXX, XXXX  and XXXX for the original contract that has my signature on it or any documents that they might have that proves that these accounts belong to me or that proves that I opened these accounts since they are claiming that the accounts were opened by me, and they cant seem to provide me with anything. By law the credit bureaus have to report the information on a credit file 100 % correct without any errors or mistakes. I want these accounts validated or deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Paypal Holdings, Inc
State: WA
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 a venmo account, I was reviewing my transaction history and I misread some transaction and so I submitted a dispute, right when I had submitted it I realized I had misread the date and then I get a notification from venmo saying they locked my account, I told them the mistake and have proven my identity to them but they still have my account and my money locked and they will not release my money or let me close my account, I need this money and they are telling me I need to wait seven business days and this is just plainly unacceptable

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-28
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have been a victim or online Identity theft since XX/XX/XXXX. I have been working with Experian and XXXX to remove credit reports that are not mine. Experian successfully removed a student loan and XXXX XXXX XXXX debt that isnt mine on XX/XX/XXXX. Those credit report has now shown back on my credit report. XXXX has not been cooperating. They are so hard to communicate with, even tried calling many times, the wait was long. And the people were not reasonable or helpful. It has cause so much issues and spent so much money on credit repair company '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 explanation
Consumer complaint received 2023-04-21
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX XXXX XXXX XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Coinbase account to the fraudulent investment firm. 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Coinbase did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Coinbases custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Coinbase promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Coinbase was in compliance with its own policies and procedures ; ( v ) whether Coinbase owed duties to myself, what the scope of those duties was, and whether Coinbase did not uphold those duties ; ( vi ) whether Coinbases conduct was unfair ; and ( XXXX ) whether Coinbase has within its power the ability to, and should, compensate me for the harm that has befallen me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: GOLDMAN SACHS BANK USA
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
At the start of the pandemic in XX/XX/2020, I was laid off and unable to make credit card payments, car notes, rent, etc. I also contracted covid and tested positive. I reached out to the company a few months ago, alerting them of my situation about how Ive had my account for many years and never missed a payment up to this date except for the missed payments at the pandemic 's beginning. Once I recovered, I paid all my debts and stayed on top of my bills. Its coming up on two years of on-time payments. I contacted the company asking if they could remove the late payments from my credit report because they happened a few months before the company offered that option. They said no. That is the only reason I was able not to miss any more payments was because of that option until I recovered and found work.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: ONLINE Information Services, Inc.
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a major derogatory notice on my credit report from online information services. Spoke to XXXX telephone # XXXX and reference # XXXX. Informed that there is an unpaid debt from XXXX XXXX for address XXXX XXXX XXXX in XXXX Texas attributed to me. I have never lived at that address nor in XXXX Texas. I have lived in New Hampshire for XXXX years. I had a similar report to my credit report earlier this year from Contact Callers in regard to a XXXX XXXX account. I disputed this and was told that the derogatory report was withdrawn. 

I was instructed by XXXX to file a fraud complaint with this department.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03
Company: Specialized Loan Servicing Holdings LLC
State: GA
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 have been dealing with Specialized Loan Servicing ( SLS ). This experience has been horrible to say the least. It got to the point that after the repeated harassing phone calls, and sending people out to my house weekly to take pictures and charge this back to me, that it became a game with my man handling my account. He blocked my account to where I could only speak with him and this was getting no where. I made it clear that I was disputing this account. It was a laughing matter with him. SLS sent notice to foreclose on my house back in XXXX. I had to pay {$32000.00} to save my house. I made it clear that this debt was disputed and I even placed disputed on the cashier 's check. I have now received another notice to foreclose on my house. I just got off the phone with SLS and they are saying that I owe {$8400.00} to sop the foreclosure. This does not include any additional fees. I am furious because the allegedly debt was {$43000.00}. I am told today that the balance is $ XXXXand that I will have to wait until the foreclosure attorney reaches out to me. I have bought this house in XXXX and they are trying to take my home. I am extremely exhausted and over their collection process. I need this matter handled immediately. Their collection practices are illegal and it seems as if they are able to do whatever they want to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
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: Their investigation did not fix an error on your report

Complaint:
I have loan with DEPTEDXXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 120 days past due. Ive never been behind on my payment. I tried contacting the 3 credit Bureaus and the DEPTEDXXXX but they have provide me with noting tangible, which reflects anything verifiable. There is definitely an error with their part. I was never late on this account. Investigate properly and please update for 100 % accuracy. DEPTEDXXXX XXXX Date Opened : XX/XX/2016 XXXX XXXX : {$0.00}

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 explanation
Consumer complaint received 2022-04-14
Company: CCS Financial Services, Inc.
State: NV
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 don't have any form of contract or agreement to CCS COLLECTIONS XXXX. I have been sending written letters to CCS COLLECTIONS about this matter but they are still neglecting my request of getting it removed. Also, I have asked for some copies of any signed agreement between me and XXXX COLLECTIONS but until now, I got nothing. This is a serious matter for me then they should take this complaint seriously.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I opened a 12 month cd account with Webster Bank through their online banking which is briodirect. After opening the account I had {$20000.00} transferred from my XXXX XXXX XXXX savings  account into the cd. XXXX  XXXX XXXX has verified the routing number and clearing account number and also received confirmation from Webster Bank that they received my money. Webster Bank denies all of this and says that they never got my money and that it is an issue with XXXX  XXXX XXXX. I have filed a claim with XXXX XXXXXXXX XXXX but the claim will take up to 45 days to get my money back. In the meantime I'm out {$20000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: EQUIFAX, INC.
State: MI
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$990.00}, XXXX XXXX XXXX  Balance : {$3100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
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:
I disputed multiple accounts that started last XX/XX/2019. The Credit Bureaus failed to verify these accounts after multiple dispute letters and warnings to submit complaints, I have no other option but to file a complaint with CFPB.

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