BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-20
Company: EQUIFAX, INC.
State: MO
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:
On XX/XX/XXXX and XX/XX/XXXX. I sent out a dispute to XXXX Equifax and a direct dispute with the furnisher on XXXX. I spoke with XXXXEquifax several times on the phone about the ongoing dispute with XXXX XXXX XXXX XXXX XXXX I was assured by represenatives of both companies that the dispute was in process and would be finished XX/XX/XXXX for equifax and XX/XX/XXXX for XXXX. I disputed this account with both agencies several times. XXXX never updated the file until XX/XX/XXXX and for the dispute initiated on XXXX, when the process was finished XXXXequifax did no update to the file or entered a notice of dispute over several disputes, showing that once again XXXXEquifax involved its self in dirty practices to keep this illegal file on my report. I suspected that indeed both XXXX and Equifax were lying about doing any investigation at all. So on XX/XX/XXXX I called the collection department for XXXX XXXX XXXX XXXX to discuss the ongoing dispute, which I was told by both companies was still on going. The Rep. For the data furnisher told me he had no idea, clue or indication of any on going dispute at the time both agencies claimed to have notified the furnisher and a dispute was indeed in process. I waited to see the outcome of the dispute and there was no update to the file at XXXX / Equifax or any notice of dispute entered into the comment section over the span of several disputes. Each agency reports different information about the same account At Equifax it was once reported XXXX, XXXX, XXXX, XXXX and now XXXX late payments. How could this be considered accurate. XXXX shows account closed on XX/XX/XXXX but has several late payments after close date. With XXXX late payments go from 60 days straight to 120 days in one month, how can this be accurate. On XXXX XXXX direct dispute was sent to the data furnisher via USPS certified mail. I informed both XXXXEquifax that XXXX XXXX XXXXXXXX XXXX failed to uphold their obligation to respond to the dispute in the allowed timeframe. In fact I never received any response from the data furnisher at all. Recently I wrote both agencies requesting method of verification for the XXXX XXXX XXXX XXXX account. I have uploaded copies of my credit report to show the numerous changes in the data from equifax. Each reported after a dispute as true and accurate. the reports will also shoe no notice of dispute and for transunion no updates for months. Even after dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$1000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$830.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XXXX : {$990.00} ; XXXX  XXXX Balance : {$19000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$610.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} ; XXXX  XXXX Balance : {$100.00} ; XXXX XXXX Balance : {$25.00} ; XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX : {$3000.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO 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 2021-05-21
Company: Coinbase, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Good afternoon : I recently opened an account with coinbase.com. I adhered to all the security and privacy protocols. I made two purchases amounting to roughly {$1900.00} between XXXX XXXX. I received an alert that said my account was compromised. I immediately asked Coinbase to shut my account down until I strengthen my security protocols, thinking it would be easy to reinstate. A notification from Coinbase said they would rectify the problem in 4-5 days. I believe I may not be the only one that is feeling scammed by a Coinbase. After reviewing certain crypto blogs, it seems like its a fairly relevant in common situation. They provide no customer service or any way to contact them via phone. XXXX contact is done through a case number and email. Which, always goes on answered. Please help me to get my money back. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-18
Company: Early Warning Services, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Received my consumer report dated XX/XX/XXXX under consumer ID : XXXX, I notified the company through the Transfer Portal established by the business with confirmation number of XXXX on XX/XX/XXXX. Per the attached documents, are confirmation letters from both XXXX and XXXX XXXX confirming that I am a victim of identity theft. I have disputed the XXXX XXXX account XXXX to be removed as it is the result of identity theft. I have disputed the following inquiries based on identity theft : XXXX XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX Lastly, I have requested an extended fraud alert for a period of 7 years as I am a victim of fraud/identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: WELLS FARGO & COMPANY
State: AK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was receiving social security and I was approved for a total of $ XXXX in backpack which was made by deposit but a soc security letter was issued by mail stating the check would be mailed. I only ever received the $ XXXX deposit. 

Also received a letter from soc security stating I would get $ XXXX by check but I got a deposit instead. 

I believe I received another $ XXXX deposit from the AK Treasury and around another $ XXXX. 

I believe checks might of also been mailed in the amounts above where the letters stated they would be but I never received them. 

I received the first $ XXXX deposit and was able to access the funds just fine. 

The $ XXXX deposited and within two minutes was withdrawn or transferred by some unknown party other then myself. I have no clue who it was and Wells Fargo completely denies that the deposit had ever happened when I have " real email receipt confirmation of deposit and withdrawal or transfer 2 mins later ''. 

Another p $ XXXX deposited and went missing. No where to be found. 

There were other deposits that came in that continuously kept going missing. 

I had to close and reopen police 10 diff bank accounts due to fraud and the whole time wells fargo is refusing to credit my account for fraud. They aren't even sending me state mandatory communications in the mail like their policy promises to acknowledge charges being disputed. 

Someone underwrite my account for thousands of dollars. 

They implicated me for coming in to an institution and withdrawing thousands of dollars and my P.O.A. as well who is XXXX XXXX. They implicated her taking out $ XXXX in cash at the bank 1 year or so before the entry was made viewable. I believe XXXX 's, XXXX XXXX 's, XXXX XXXX 's and Wells Fargo themselves are stealing all my funds and underwritting my account. They brought it to a negative standing! 

Wells Fargo on XXXX themselves were refusing me my own $ when the available balance was like {$700.00} to {$900.00} by placing a handwritten negative mark next to where it gives the available balance. 

Wells Fargo has intentionally tried to steal {$200.00} cash at the drive through window. 

I have deposited checks and the $ i deposit just goes missing. They keep sending my inactive debit cards. They allow ppl into my account with the wrong verbal password. Friends of friends always know my balance. 

PRETRIAL ENFORCEMENT AND/OR XXXX XXXX HAVE USED UNDERWRITTING ON MY ACCOUNT TO STEAL THOUSANDS OF DOLLARS. THEY HAVE STOLE PROPERTY, EXTORTED $ BY THREATENING MY LIFE, HELD ME XXXX, THREATENED MY FAMILY MEMBERS AND 2 FAMILY MEMBERS ARE DEAD. 

OFFICERS ARE STEALING TOO AND REFUSING TO TAKE MY REPORTS OR DO ANYTHING ABOUT MY POLICE REPORTS REGARDING THE THEFTS. THEY NEVER FOLLOW UP ON MY REPORTS AFTER ONLINE SUBMISSION.

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 2022-10-24
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 submitted a letter to the 3 Credit Bureaus on XXXX to update this suspicious information. I think the credit bureaus have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/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 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-11-22
Company: NEW YORK COMMUNITY BANCORP INC
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XXXX XXXX this account with Flagstar Bank was paid in full on account XXXX the Rep for the Fagstar Bank ensure me this account would be deleted from the Credit Bureau and my XXXX  and XXXX  XXXX. I have provided a document email from XXXX XXXX assuring me that upon payment all action will take place to remove, delete this account from all agencies per email request sent to me. I have attached that email and contact information regarding this account.

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 2023-05-18
Company: EQUIFAX, INC.
State: NC
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 am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) in order to request a formal investigation and correction of an account that appears to contain inaccurate and incomplete information on my credit file, as required by the Fair Credit Reporting Act. Regarding the XXXX XXXX  XXXX XXXX account with a balance of {$0.00} and a date opened of XX/XX/2021, I would like to verify the payment history and current status of this account. I strongly believe that this account is reporting inaccurate information. I have always made my payments on time and have maintained my own payment records. The information provided by the Credit Bureaus does not align with the records I have. I kindly request a thorough investigation into this account to ensure legal and accurate reporting. Additionally, I kindly ask that the Credit Bureaus verify the aforementioned account. If the information can not be fully substantiated as completely accurate, I respectfully request an immediate correction of this account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: DriveTime
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX we purchased a car we thought was only owned by 1 person! 

XX/XX/XXXX we notified the dealership of a dashboard issue. 

XX/XX/XXXX the car would not turnover and stalled. We went to the dealership and was told we had to call customer service for warranty details and they refused vehicle return. 

Issues with the car was ongoing. And the warranty promised did not cover electrical issues on the car and the issues were electrical. 

Ive advised them on several occasions I was unable to pay for the car because it was not properly functioning and asked them to pick the car up multiple times! 

I continued payments so my credit was not damaged due to reading recent reviews during that time. 

Car was still not working properly all of XXXX, we had no known location to return the car to as requested with agents and salesman. 

Ive disputed the inaccuracies to all credit bureaus and yet i am still seeing this account and the collections company dies not answer it return my calls! XXXX  have not properly addressed my concern and had kept this damaging falsified collection on my credit behind 2 disputes with documents from me!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: U.S. BANCORP
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I made an APPOINTMENT at US Bank, XXXX XXXX XXXX  XXXX XXXX, Il XXXX, with branch XXXX XXXX XXXX for XXXX pm on XXXX. I was there to obtain a medallion signature guarantee and fax surrender documents on a variable annuity. I arrived at the bank on time and sat down at XXXX XXXX 's desk. I at once explained the purpose of my appointment and displayed the documents that I was told to bring when I made the appointment ; the proof of ownership and the surrender documents.. I explained that I needed to obtain the signature guarantee and have the documents faxed BEFORE XXXX pm as the market closes at that time. I wanted the surrender to be received and executed on that day of business ; XXXX. 
XXXX XXXX began a lengthy dialogue covering many topics and did not seem to grasp the urgency of the situation. At XXXX pm he told me that I did not bring all needed documents to complete the process. Now, somewhat in a panic, I told XXXX XXXX that I could run back to my house, retrieve the required form. and be back in XXXX minutes, He assured me that he would wait for me and when I returned, we would complete the process. 
I arrived back at the bank at XXXX pm and to my astonishment, XXXX XXXX had another customer in his office. At that time, the bank had 2 tellers and another banker available and very few customers. I believe that the other employees could have assisted that customer. 
I was finally able to again sit down with XXXX XXXX and completed the medallion signature process at XXXX pm. The documents were faxed at XXXX pm. My surrender was therefore executed on XXXX instead of XXXX. The annuity was a variable instrument and followed the stock market. The stock market decreased dramatically on XXXX and therefore my account value decreased from {$170000.00} down to {$170.00}, XXXX ; a decrease of {$1200.00}. All of the documents that I had prepared were filled out correctly and the surrender was executed. 
I feel that I have lost {$1200.00} directly due to XXXX XXXX 's, actions. When I initially sat down with XXXX XXXX, I immediately communicated to XXXX XXXX the time frame that I was working under and the documents that I brought with me. He did not tell me at that point that I needed another document. This was a set, confirmed appointment, not a walk-in, chance meeting. The appointment had not been completed and I should have been able to return to the bank and see XXXX XXXX without interruption.. 
I have since communicated with XXXX XXXX and also his retail district XXXX, XXXX XXXX XXXX. They take no responsibility for my loss and actually believe any fault lies with me for not bringing the document that was required. 
I am a retired XXXX Bank employee and customer. I strongly believe that XXXX Bank owes me {$1200.00}.

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 2023-08-11
Company: Rocket Mortgage, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hi, I recently applied for a mortgage loan through RocketMortgage and XXXX quite appalled with how we as consumers are treated. For starters, I was offered pre-approval loan letter with no interest rate stated on the letter. I feel like this is definitely a violation of the Truth in Lending Act. By law lenders are required to provide information about all fees and charges associated with a loan. This is the same treatment I have received in the past with other lenders when applying for a mortgage loan on single based income and XXXX tired of it. We deserve transparency and fair lending terms. I also have someone else who will be helping paying off the loan with me and he has a much better score than I do and theyre even getting him a hard time by scrutinizing his tax documents ( his losses reported on Schedule C ) and trying to raise debt to income ratios, in order to raise interests and/or to avoid locking in an interest rate. This is not fair and it is extremely frustrating to have to begin the whole process again with another lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
BoA caused me lost tens of credit score because of their fault and refused to offer any solution by perfunctoriness and deceit.

I was a pervious customer with BoA. Two years ago, I decided to close all of accounts ( including credit ). Upon finish of the closure, they said all account will be closed, there was no debt on the accounts and even sent me a check since I still had balance in the saving. 

During the past two year, I noticed some issues on my credit report showing late payments. I doubted it closure. Recently, I had a hard pull showing BoA credit account is not closed but Charged off of {$50.00} since XXXX. I called BoA on XX/XX/XXXX, they told me it was their mistake not notifying me on day of closure and afterward. And they said the {$50.00} is not a late pay, since there were no late payment fee. As soon as I pay them back, it will not appear in my credit report. Then I paid it, but on XX/XX/XXXX, I found my report still has the C/O history. I called back to BoA, and BoA said the history will stay in my report for 7 year because of BoA 's fault!!!

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