BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-13
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 information incorrect

Complaint:
Good evening, I applied for a mortgage on XX/XX/2021. My TransUnion mid score with the credit company XXXX that the lender uses was registering at a XXXX. My objective was to achieve a 720+ score for a better interest rate. XX/XX/2021, I chose to pay down one of my XXXX XXXX credit cards to 28 % of the limit to earn points to increase my score. The " simulator '' the lender used stated I would achieve approx 18 points it was correct. I had earned a XXXX credit score on XX/XX/2021. The problem was TransUnion had reported this balance paid to 0 %. This was inaccurate despite the proof of current balance I had sent to XXXX to supply to TransUnion. TransUnion stated they called XXXX XXXX to verify through the automated system and that they heard " XXXX '' balance. It was impossible as I owed {$2200.00} to XXXX XXXX. This increase in the credit score took a turn when the next credit pull was performed on the XXXX as it now showed I had " resused '' this credit card showing a {$2200.00} new balance when this was false! At the same time I had just paid over $ XXXX to pay down two other cards to under 30 % and because of this Transunion error it didn't increase my score paying down the two other cards significantly! I need TransUnion to go back to XX/XX/2021 and correct this! I do not know how the algorithm works, but this has ruined me! I now have received a denial on my loan file as a result!

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 2023-08-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2020-08-07
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:
Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX Balance XXXX, this is not mines. I have attached ID Theft form. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 
Item # 2 : I dispute XXXX Balance XXXX, this is not mines. I have attached ID Theft form. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 
Item # 3 : I dispute I dispute XXXX Balance XXXX, this is not mines. I have attached ID Theft form. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt.

Item # 4 : I dispute this account XXXX  XXXX XXXX - XXXX, the balance is wrong and the account is being paid monthly. This account should never have any charge offs. If account is sold, the balance should be XXXX. I have also provided proof of payments on this account. If account has been written off as a loss and I have made payments they are breaking the FCR ACT. Please delete this account. 
Item # 5 : I dispute I dispute XXXX Balance XXXX, this account is sold or in collection and under the FCR Act this account has to show XXXX balance. Please delete account. 


The inquiries below is not mines. 
1. XXXX XXXX 2. XXXX XXXX 3. XXXX  Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, 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 2021-09-18
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/2021 I tried to transfer XXXX BTC from Coinbase to an external wallet that I control. I received a message that the send would be delayed unless I verified my ID. I sent photos of my ID and a selfie to them and was immediately logged out of my account. I tried to log back in and it says For your security your account has been disabled. I contacted support and they reenabled my account within an hour. I was able to log in but the transaction was canceled. I tried to initiate the transfer again and the same exact issue happened again. They fixed it again and the transfer was canceled again. However, the third time I tried with exact same results I get no response from support. They just keep merging my support tickets into one and no other response. I know that my external wallet address is good because I successfully completed a small {$10.00} transaction the day before. I am completely locked out of my account with no support whatsoever.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-18
Company: Experian Information Solutions 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:
Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/ I was a victim of fraudulent activity with XXXX  for XXXX XXXX dollars and Wells Fargo took XXXX XXXX dollars from me! It was like the person gave me XXXX XXXX dollars and then Wells Fargo gave it to them again! Talked to branch manager in XXXX, Tx and they did nothing

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 2021-09-18
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX To Whom This May Concern, Hope your day is well. I am requesting all my mortgage documents from my previous mortgage company " XXXX XXXX XXXX XXXX '' and the assigned mortgage company " Wells Fargo ''. 

Thank You in Advance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX. MORTGAGE : Amount : {$50000.00} Mortgagor : XXXX XXXX XXXX : MERS as nominee for XXXX XXXX XXXX XXXX. 
Dated : XX/XX/XXXX Recorded : XX/XX/XXXX in Document # XXXX XXXX. MORTGAGE : Amount : {$76000.00} Mortgagor : XXXX XXXX XXXX : MERS as nominee for XXXX XXXX XXXX XXXX. 
Dated : XX/XX/XXXX Recorded : XX/XX/XXXX in Document # XXXX Said mortgage was assigned to Wells Fargo Bank, N.A. as Trustee for the Certificateholders of the MLMI Trust, Mortgage Loan Asset-Backed Certificates, Series 2006-HE1, recorded XX/XX/XXXX, in Document # 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 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2020-08-07
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
Unfair and deceptive practices! We are at XXXX XXXX XXXX and decided to use PayPal to process our credit card transactions. We went online and processed the credit cards. PayPal said there is a 21 day hold on funds because XXXX XXXX wasnt used to do this, that I used PayPal Here. Which it also allows you to do virtual card processing. It is confusing and deceptive in order to hold money and make interest. They currently have a hold on over $ XXXX. With the country halfway shut down and money is tight they refused to offer any type of onetime resolutions. We sell a service not products so we do NOT have shipping labels.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: EQUIFAX, INC.
State: LA
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:
XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to Equifax, XXXX XXXX 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My complaint is that Capital One has TOLD me that it will transfer my and my family 's account from my Capital One Venture Visa card to a Capital One Mastercard. This mandated change is WITHOUT my authorization, my approval or prior knowledge of the move. The move will be done by Capital One with no recourse to its decision. This is a time-sensitive issue. 

Capital One made the capricious and unauthorized mandated decision to move the account of this long time, senior citizen and my family 's from the Capital One Venture Visa card to Mastercard mandating NEW card numbers. This move is without explanation or logic. It requires this almost XXXX-year old person to change our Visa numbers stored on hundreds of online sites and for recurring financial dealings to the new numbers. My family have spent years establishing our individual Capital One Venture Visa card numbers with these sites and vendors. The new Mastercard will have the same benefits of the Capital One Visa Venture Card. Where is the logic for this MANDATED change? Also, if I apply for a new Capital One Venture   Visa card in ADDITION to the mandated Mastercard assigned to us, my credit rating takes a hit because of the added credit card to our credit report. If I close the Mastercard account on my own, and obtain a Capital One Visa Card, my credit takes a hit because I have closed the account, not Capital One!

I have called Capital One Venture Visa numerous times to ask for a reversal of this mandated decision, but to know no avail. I have written the CEO of Capital One, Mr. XXXX XXXX, but who knows if he will receive it. I have spoken with one of our Michigan US Senator 's staff with my complaint.

I have never owned nor do I wish to own a Mastercard. Visa is approximately 50 % of the United States and Global credit card market. Mastercard is only approximately 23 % of the U.S. and Global markets. Our current Capital One Venture  Visa card is widely accepted and the Mastercard is not. My family and I wish to continue our association with Capital One as a Venture Visa card holders. We do NOT wish to change to a Mastercard. I want to know the value of " what is in my wallet. '' Thank you, XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Flagstar Bank, N.A.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX XXXX  WILL NOT STOP CALLING. 
I HAVE INFORMED THEM THEY HAVE THE WRONG NUMBER. 
CALLERS ASK FOR XXXX AND PROCEED TO ASK ME TO PAY A DEBT TO FLAGSTAR BANK.

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 2023-09-29
Company: Airtm Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
To start, I used their platform to send {$510.00} USD using cryptocurrency on XX/XX/2023, USDC exactly, to my personal wallet. This transaction NEVER got to me even though I fulfilled all the required details. After doing so, the transaction showed up as " completed '', which to the user means that all the information was provided correctly. 

After I did so, they stated that the money should be arriving over the next minutes. It didn't, and until today XX/XX/XXXX, it still didn't show up. I filed a complaint with their Customer Support, where they told me that there was a piece of information missing to complete the transaction. If this field was required, then the transaction should not have been able to be completed. But they didn't require it when I started the transaction. I consider this a scam. 

Then, they promised to help me, while I stated my desperation due to the loss of my entire salary, I had to pay my rent and buy some food. I live alone with my brother and we both depend on that bi-monthly money. 

So I had to contract debt. I did so, while they stated that " I should wait around 20 days to see the funds on my account ''. After this, the company stopped answering my requests for action, they do not provide any information, and they only say " please wait ''. I can't wait anymore. I send messages to them everyday, and they don't answer or if they do, they ignore my questions and demands. 

This is a XXXX dollar company. And I lost my {$510.00} USD, which is nothing for them but it is everything to me. I need help here, I can't keep waiting. 

I want everyone to know what a fraud this is and what kind of damage they made to me. I had to CONTRACT DEBT because they decided to steal my legitimately-owned salary only so I can still live in my house. 

I don't have the resources to fight this company on the court. So I beg for help. I will cooperate fully, all I want and need is the totally of my funds back in my wallet so I can now pay the debts they FORCED me to contract. THEY SHOULD BE PAYING THAT DEBT, NOT ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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 XXXX  account # XXXX and account # XXXX. Has violated my rights. 

15 U.S.C 1681section 602 A States I have the right to privacy 15 U.S.C 1681 Section 604 A seccin 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-07
Company: HW Holding, Inc
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A collection appeared on my credit report back in XXXX from a company called Hunter Warfield out of XXXX FL. They claim that I owe {$15000.00} in rent for a home from XXXX XXXX XXXX XXXX. I have never rented a home from anyone by that name, in fact I have lived my current home for over 25 years. I have repeatedly asked for verification of the debt and had a lawyer send a certified letter also asking for verification of the debt to which I received no response. I know they received the request as someone signed for the letter. They continually call me to harass me about this and as of today this is still showing up on my credit reports and I would like to have it removed without having to endure the expense of taking them to court, which I will do if necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: TX
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:
CRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The block must be no later than 4 business days The information is fraudulent.

The block wasnt made in error and I never received goods or services. Its identity theft. Plain and simple. These was someone using my identity therefore its fraudulent and must be removed or the next step will be to sue the consumer reporting agency who is violation the FCRA.

The other major consumer reporting agencies immediately removed and blocked the fraudulent accounts when proper documentation was received which is what XXXX received. Maybe they arent familiar with 605 or dont care about it but they are violating it nonetheless

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Around XX/XX/2019, I noticed fraudulent orders on my account amounting to $ 77+ in pizza. I called Wells Fargo and was informed they would investigate and order me a new card. The very next day 26+ unauthorized transactions appeared on my account. Alarmed, I informed Wells Fargo again about the egregious acts. They again informed me that they would take care of it. 

Now I can't make sense of what I owe and what was fraud. They use an accounting-esque system that uses debit and credits much like accountants. The adjustments they note don't even list the reasoning for it. This is absurd and until Wells Fargo returns my funds, I will be out {$340.00}. I live and reside in the XXXX/XXXX area. How charges in other states went unnoticed is just absurd. Everyone in compliance should be fired.

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