BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-12
Company: Winklevoss Exchange LLC
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 signed up with Gemini in XX/XX/2021. Since then my account is in a pending verification state. I contacted the support more than 1 time overall possible channels. The website, XXXX, XXXX and even XXXX. No response was given to me to help my situation and explaining what is going on. Because of this large delay, I can't move my {$2800.00} USD out of XXXX. " XXXX XXXX is Proudly Owned by Gemini '' stated on the XXXX XXXX XXXX  It looks like they purposely hold my and people 's funds hostage. 
You can deposit to XXXX and the only way to withdraw is to move the funds to the XXXX Gemini account. When you create the account they don't verify you and hold your money. 

It looks that they do it on purpose to keep the money flow and acquire more users. This is all getting to the point where it looks more like a scum practice to me to steal money. 

I know a group of people who experience the same exact problem and don't know where to go.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XX/XX/XXXX I was refused a manager and told that they were not available I was told that if I sue a company it doesn't matter and won't change anything I was hung up on told not to call back I had only contacted them twice because they hung up on me I was not listened to I was spoke to very condescendingly asked repeatedly whether or not I myself was an attorney and was hung up on a second time even though no abusive language was given from me they have actually upset me to the point where I was crying on the phone still not giving me to the correct manager I was asking for nor trying to fix the problem

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 2021-07-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
not mine : FCRA XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CO XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, CO XXXX Resident type Single family XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CO XXXX Resident type Multifamily XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CO XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$5600.00} Status Collection account. {$5600.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX Potentially negative

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Avant Holding Company, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Hello, my name is XXXX XXXX I had applied for this card and at the time I was living at a X house in which the car was sent to my old address and I believe that my ex use my car and maxed it out. My ex had my new address and never tried to return the car to me I contacted the credit card company informed them about the situation. I was told to dispute the transactions, but later found out that they said that I was responsible for the charges I believe that this is truly on fair as I did not make any of these purchases on this card it should not be fine reliable for the transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I called the mortgage company LOANCARE to remove PMI, they sent me a letter. The letter indicates that in order to remove PMI i need to order appraisal or BPO, so I called them and I chose BPO because it was cheaper and I paid the amount of {$100.00} over the phone. 


Then I received from XXXX XXXX Escrow PMI Specialist II an email she says, to move forward you need to pay another {$45.00} eventhough I asked about that, she never give an explanation. 

I don't think it's fair and professional to ask another amount after it's paid according to the letter.

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 2021-07-12
Company: ALLIANT CREDIT UNION
State: AZ
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:
Saw an online ad for a XXXX XXXX XXXX that I was interested in buying. Purchased online ( XX/XX/2021 ) at XXXX for {$65.00}. Payment was on my credit card but handled through XXXX  ( I did not use a XXXX account for the purchase ). I received an email from XXXX that showed XXXX XXXX XXXX XXXX as the merchant. Never heard from the merchant. I went on the website and found phone and email contacts. The phone is disconnected and the email bounces back as undeliverable. On XX/XX/2021 I contacted my credit card issuer, Alliant Credit Union. I filed a dispute and they sent a confirmation email. I have called them numerous times and they have still not credited my account even though every time I call they say they will do so. Please help me get a refund on my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: GOLDMAN SACHS BANK USA
State: CA
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:
Opened the dispute of {$240.00} and Marcus credit card did not credited me the money, they just got the paperwork from XXXX which states that I paid for all other reservations, so I should pay for this one too, which doesn't make any sense, and Marcus 's credit card without applying any brains, just listen to them and debited back the money from my Credit card account.

just received the paperwork today from Marcus credit card, please see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I was told by a Equifax represenative to call back on XX/XX/2021 for statutus of an existing dispute filed XX/XX/2021. I called in today and the customer service agent hung up on me after I asked for information of the dispute status. The agent refused to give me any information and told me to resend all documents to start a new investigation. I have sent in proof of FTC report with id, social and all required dispute letters. I have been going back and fourth with Equifax for 6 months now and each time I ask if the items were 100 % verified with proof of all required documents due to me being a victim of identity theft they never can provide an answer. By Federal law each credit bureau is required to verify that this information is mine and is correct, NOT JUST BY A COLLECTION AGENCY OR COMPANIES STANDARD, THEY MUST VALIDATE THESE THINGS AS THE FURNISHER OF MY CREDIT REPORT. Equifax have not provided me a copy of ANY original documentation required under sec 609 ( a ) ( 1 ) ( A ) ( A ) consumer contract with my signature on it. ACCOUNT DISPUTE # XXXX AND DISPUTE ( XXXX XXXX XXXX. I SENT MY IDENTITY THEFT REPORT FOR BOTH ITEMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Requested to remove incorrect information concerning my address, provided address verification along with diver 's license and company continues to verify inaccurate information.

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 2021-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When applying for a credit card XX/XX/XXXX, my application was denied. XXXX revealed 10x student loan accounts opened with my name as a co-signer by my father XXXX XXXX. The debts amount to {$340000.00}, all dating back collectively to XXXX. I never authorized permission for my information to be used for any of these student loan accounts. Since XXXX, I have never received any phone calls/mail invoice regarding these accounts. 

I have managed to clear these fraudulent records from my XXXX  and XXXX reports. However, XXXX continues to report these accounts as accurate to Transunion. I have contacted XXXX, received their identity theft forms, and returned their requested notarized documentation late XXXX. I have not received any confirmation the requested documents were ever received during subsequent phone call correspondence. 

SPECIFIC ISSUES : My SSN does not bring up the fraudulent accounts with XXXX. I could only utilize my fathers information to reveal the accounts when on the phone with XXXX. 
Transunion website issues preventing convenient access to dispute status.

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 2023-09-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Experian and XXXX are reporting that a mortgage I had was included in a Bankruptcy Case when I paid off the balance and satisfied all my mortgage obligations. I have provided proof that this was not the case and they still continue to report false information.

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 2023-07-25
Company: EQUIFAX, 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:
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
randomly i get this call saying i owe XXXX $ to this company when i in fact DO NOT. only time i have gotten any kind of XXXX XXXX are from my l and i claims and these guys have reportedly abused trying to call me. i am a XXXX  father to a beautiful XXXX year old and don't have time for this nor can i afford a ding on my credit i tried reasoning with them and they have said basically " NO YOUR GOING TO PAY US '' and at that point i have hung up and whenever i answer my phone and it is them i hang up on impulse because i know my truth 's and they harass me to the point of breaking and its the fact they wont try to negotiate anything.. i believe this to be true and sworn by XXXX XXXX on XX/XX/2021

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 2021-07-16
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
When I was reviewing my credit report, I saw that the experian credit report had a derogatory status report from XXXX XXXX  XXXX  XXXX  {$1400.00}, i had servise but it was payed by my health insurance company. This is something else wich i am not recognized which was from XXXX XXXX i called creditors and i did dispute with Experian , that account not was mine, but i could not get result, wich was satisfactory for me.

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 2024-01-10
Company: SYNCHRONY FINANCIAL
State: OH
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 companies has violated my rights.

15 USC 1681 section 602 states i have rights to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.

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 2021-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted Trans Union at least 10 times since XXXX  to remove incorrect, unvalidated, unverified and/or out of date information. 
-They have not removed this information, despite not sending me as I have requested a consumer contract with my signature, instead they continue to report these accounts. 
-These accounts also do not appear on other reports, yet Trans Union continues to report these accounts.

-Additionally, in the latest report I have, they have failed to put any remarks, symbols or notations next to the account that states I disagree and dispute the entry. It appears on the report as though I have no issue with the account. On previous reports, a notation stating I disputed this account was clearly visible on the account, but in a most recent one, this note was deleted. There are currently no remarks showing these accounts are even disputed. 
-The statement I submitted, also appears at the bottom of the report, not very visible. -Additionally, they continue to report and not remove old account information with unnecessary identifiable information about my demographics information i.e. race and/or gender. They continue to publish this information and are aiding potential credit discrimination. They have not removed these accounts despite my request and that these are old. 
-They have not removed incorrect, old, unverified or unproven, unvalidated accounts and have not show accounts to be disputed.

-Despite repeated request for contracts to actually validate these accounts and verify them, Trans Union refuses to remove these accounts and continues to report this information without reinvestigation and continues to report unvalidated accounts not removing them. Under Fair Credit including sections 609 and 611, they are supposed to delete these accounts, yet they keep reporting them, refuse to investigate them despite my disputes.

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 2023-05-22
Company: Experian Information Solutions Inc.
State: NY
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:
The following inquiries i didnt authorize below : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-14
Company: EQUIFAX, 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit DEPT OF EDUCATIONXXXX XXXX {$900.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$600.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$11000.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$3200.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$9200.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX XXXX XXXX$4000.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$4600.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$5400.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX XXXXXXXX {$5500.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$360.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$440.00} XX/XX/XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX XXXXXXXX {$4300.00} XX/XX/XXXX XXXXXXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$58.00} XXXX XXXX XXXX XXXXXXXX {$2500.00} XXXX XXXX XXXXXXXX {$4000.00} XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14
Company: Experian Information Solutions Inc.
State: NY
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:
account has been in covid forbearance since XX/XX/XXXX, options for payment deferral or modification were being explored by lender and they extended the forbearance until end of XX/XX/XXXX but they are showing me as 180 days late in XX/XX/XXXX ... ... XXXX XXXX XXXX XXXX continues to fraudulently hit my credit report with negative reporting locking me into a situation where I can not refinance my property.

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 2023-07-25
Company: EQUIFAX, 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: Account information incorrect

Complaint:
For the last couple of months I have been sending letters to the credit bureaus about inaccurate, duplicate and reporting accounts in my credit reports that is in violation of the law, but the credit bureaus keeps reporting them without any further investigations. I need your help on this matter. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-13
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
During COVID - Discover offered " low interest '' XXXX card. Obtained XXXX XXXX - then in XXXX 2020 got XXXX. Made minimum monthly payments. " Discover automatically '' reviewed my accounts - no missed payments etc - and " reduced my credit limit '' to the actual balance on their cards as a credit tool. 

Caused scoring drop that as now " cascaded '' down into the XXXX And after i paid them nearly " off '' they say " cant increase your limit as you are not using our cards '' Yet cards are paid on time. 

SCAM AVOID DISCOVER DL

Company response to consumer: Closed with explanation