BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 correct : XXXX XXXX XXXX XXXX : {$230.00} XXXX XXXX XXXX XXXX : {$8500.00}

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 non-monetary relief
Consumer complaint received 2023-03-03
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Roughly 15 years ago I acquired an equity line with Wells Fargo. The debt was supposed to be for no more than 15 years with 8 % interest. In XXXX I asked for help to reduce the interest but unfortunately they denied my request. In XXXX I called again because on the mobile application for Wells Fargo was not accepting my payments. When I had called they said that there was no problem at all and to keep paying as usual. They told me that at the end of the XXXX mark they would send me an official letter stating that they would resolve the changes. in XXXX, I called again reducing the interest or at least refinancing and again the denied my request. The lady I spoke with that day asked me Why, when I was about to finish in XXXX of XXXX. However, in XXXX I believe I received a letter stating that my finishing in XXXX was incorrect but it was actually going to be in XXXX of XXXX. In XXXX of XXXX I wanted to may a payment but the app would not accept it. In XXXX I received a bill for 1 CENT. So my son tried to pay it on the app and once again would not take. He called to report it and they said they would look into it. Later that month I received a phone call stating that I still owed {$38000.00}. Even though I made sure to make all payments, even though some were possibly 3 days late I still made sure to pay extra. We called and they said they would look into it and we never heard anything from them again. I have the name and numbers from some of the associates I spoke with that told me that I would be finished in XXXX. 
Most of my payments have been through mobile pay, after we left XXXX XXXX XXXX and moved to Wells Fargo.

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 2022-03-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiry deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have submitted multiple disputes and FTC regarding these accounts that do not belong to me and they are still reporting on my credit report. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

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 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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:
ALL 3 MAJOR CREDIT REPORTING AGENCIES ( XXXX, XXXX, TRANSUNION ) are mistakenly reporting a balance on an account on my credit. The name of the account is " XXXX XXXX ''. Due to this inaccuracy and my multiple attempts of trying to get this rectified, it is unlawful to continue reporting such account. please delete.

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 2020-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am trying to secure a loan for a house for XXXX. I have already been approved for {$63000.00} for a mobile home. Why is it so difficult to get a loan with a bank for almost half the amount? ( Issue # 1 ) I was told that I had an outstanding amount owing of around {$3000.00}. I was contacted by the consumer to settle the amount for {$490.00}. The consumer tole me that the amount would post to my account and consider it paid in full. ( Issue # 2 ) If they can take your money, why cant they press a few buttons and show that account paid in full right away? Why do we allow them 30 days to report it paid in full? ( Issue # 3 ) I paid that amount. I gave that company my corrected address. Why then did they send the letter to my old address and finally I got the letter with the yellow forwarding address? ( Issue # 3 ) Why is it that there is so much room for error between the 3 credit bureaus? ( Issue # 4 ) Why does each lending organization/bank have so much latitude to make adjustments to my credit score reported by the credit bureau and then make their independent discriminatory decision about lending me money? ( Issue # 4 ). 
I need my credit score from all three agencies to reflect the payment I just made on XX/XX/2020. I need to know what my credit score is right away. I tried to go to XXXX to request my score for XXXX as I was told to do by a TransUnion representative today XX/XX/2020 and there was no such prompt to go to to get a " CREDIT SCORE " for XXXX cents or other wise. Why is this so difficult. Why is my credit score not FREE? 
I spoke to an XXXX employee on XX/XX/2020 and asked her to correct my name and addresses and she instead added a NEW incorrect name to my report. This is negligence and needs to be addressed. Why do I need to now send in a identity verification to fix this and it will only be fixed with one credit bureau and not all three????? The Credit Bureau processes need to be streamlined so that they are easier/more user friendly and improved so that they help rather than hurt and confuse the end users. Please respond to my email address XXXX asap. I need to know what my credit score is  right away. I was willing to pay the XXXX cents but could not even get access to that website. Does it even exist? Is it just something that the credit bureaus are told to tell us to get us off the phone?

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 2022-12-20
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I am filing a complaint because I was recently denied a credit card from Discover and know that I was discriminated against and that their decision was based off of information retained from my credit report which is filled with inaccurate and false accounts that I have been disputing with the credit reporting agencies. There were multiple violations of my consumer rights that they are liable for not only civil but also criminal. Attached is a letter I have prepared stating the violations from TILA, ECOA, etc. Congress wrote these laws to help and protect consumers such as myself. I have also submitted a complaint to the Attorney Generals and the Federal Trade Commission. My concerns continue to be ignored and I havent heard anything back from Discover in a week after sending an email to corporate where XXXX XXXX said that she was going to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
These inquiries on my credit report were not from me 1. XXXXXXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXX 2. XXXX ( XXXX ) XXXX XXXX, XXXX 3. XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX 4. XXXX XXXX ( XXXX ) XX/XX/XXXX 5. XXXX XXXX XXXX XXXX ) XX/XX/XXXX 6. XXXX XXXX XXXX ( XXXX  ) XX/XX/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 2022-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America withheld my cashiers check and did not make it available as required by regulations.

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 2023-12-05
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This complaint serves as a formal notification that failure to block the specified accounts on my report will result in legal action. I have apprised my legal representative of my intent, and they are prepared to hold you accountable for willful noncompliance, currently constituting multiple violations of FCRA laws. My attorney, having successfully litigated against your organization in similar cases, is optimistic about the potential outcomes and damages involved. While I prefer an amicable resolution due to the simplicity of the remedy, please do not mistake my leniency for weakness. The consequences for your non-compliance could be substantial. Consider this your final warning. I insist on the immediate removal of the items specified in my fraud report, as detailed below : 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 2023-07-08
Company: Experian Information Solutions 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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX Balance Owed : {$50.00}.

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 2022-03-12
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 tried making a Gemini account, but I need a verified account in Gemini for crypto deposits and withdrawals from XXXX browser, but its been 2 months and my account still didn't get verified I have already shown much of my patience and not willing to wait further, so please help me get my gemini account verified as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: AXOS FINANCIAL, INC.
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened three accounts at AXOS bank in XXXX XXXX, CA online. One personal and two business checking accounts for an accounting practice and one for a non-profit. The bank locked our account several times, allowed fraudulent checks to clear ( reported to FTC ) and refused to accommodate my medically documented hearing impairment after I requested email or text messages. The bank then notified us that they had " closed '' the account after refusing access to our funds, around $ XXXX total. An employee called their number but they refused to return our funds or transfer to the requested account. They have kept our the funds for several months after closing the account and refuse to update my account for a new adress, sending paperwork deliberately to the old addresses to avoid returning the funds. As a result I was unable to rent an apartment during the pandemic thereby suffering homelessness and health issues, my credit card bills that were on autopay were unpaid causing damage to my credit, both of my companies suffered tax and employee filing delinquency and penalties as a result of the bank locking and then closing our account after their security failed to detect thousands of dollars of obviously fake checks being written from the account. They need ton return the money from all three accounts to the correct adress immediately and refund all fees incurred. Also they need to refund the hundreds of dollars worth of fees for " retired items '' due to the " locking '' of the account without our knowledge causing scheduled bills to fail

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: Experian Information Solutions Inc.
State: FL
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, 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file 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 2018-03-12
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Coinbase fraudulently transferred moiney in the form of bitcoins valued at {$4300.00} on XXXX XXXX 2018 out of my account to coinbase, the trading exchange. 

I get a message on my phone which states " XXXX coins worth {$4300.00} sent to coinbase '' I never initiated or authorized it nor my account was not compromised. I have all logintimes and 2FA set up. 
Coinbase needs to answer why did they siphon out the coin from my account for no reason and pay me back the coin with fines as I lost asset value as well as the principle amount. 

I complained several times to them and all they do is send me FAQs to secure account, lock up my account.They never answer who initiated the transfer to coinbase which is them and what is meant by the message. 
Also I did not get a confirmation email for the same. 
This is a fraud perpetrated by the company against small investors and since we do not have a voice, they do not have adequate support staff to answer and they lock our account, making us suffer losses as well as mental agony. 
Such fraudulent companies must not be let to operate as they find loopholes to suck out money from our legitimate accounts and give no explanation. 
They seem to have no Risk management or processes in place and scant regard for small consumers as we have no voice. 

http : //support.coinbase.com/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
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: Account status incorrect

Complaint:
On XX/XX/2020, I had submitted a complaint with the CFPB against Experian specifically. My complaint is around how Experian reports items on a credit report. This complaint was not against the creditor in question. On XX/XX/2020, I received a response from Experian that additional time was needed for my request. This response conveniently came in at the 15 day window that they needed to respond to the CFPB. The response indicated that a dispute was filed against a creditor as per my request. It was also on this same day that I received notification from Experian directly stating my dispute was now opened and expected to be completed by XX/XX/2020. 

At no point did I request that the account be re-investigated. My issue is how Experian codes a pre-foreclosure on an account that was brought current. This coding is prohibiting me from being approved for my new home. There was no request in my complaint to dispute the same account that you've disputed multiple times before. As stated to each rep who we've spoken with on the phone at Experian, and as detailed in my complaint, the issue lies within Experian. Not the creditor. 

From everything that I've read, a pre-foreclosure is a sale, like a short sale. Furthermore, in the event a lis pendens was even started, that would've expired in one year if no action was taken. The fact is that the creditor stated that a pre-foreclosure was started. The home was brought current through a modification. There have been on time payments since then. We currently own and reside in the property. This MOP code of an XXXX, that only Experian is reporting is why my lender is getting a denial when running it through XXXX XXXX Desktop Underwriter automated underwriting system. 

Ive included a snip of how my mortgage is reported by each bureau. Through online research, Ive also located XXXX  and XXXX coding. They do not have a designation if a foreclosure was started. They each reported a XXXX. I also did some research on my own to better understand what an automated underwriting system is and how it works. Ive included the link to XXXX XXXX sellers guide. In discussing my findings with my loan officer. He confirmed that the snip included on the attached is the reasoning he is not getting the approval needed. 

Please do not re-dispute this item again. The reported code that is reported is not provided by the original creditor. This is a designation assigned by Experian. The pre-foreclosure was never completed. Please read this request, and re-read the attached initial complaint.

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 2022-08-08
Company: Penn Credit Corporation
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Back on XXXX XXXX I received a notice for a collection in the amount of XXXX $ for a company called XXXX XXXX works. The bill apparently was setup in XXXX and ran all the way through the pandemic and was shut off. This was in a city and state and address that I never resided at. I was asked by XXXX XXXX works to submit information proving I did not live there. I faxed and mailed 80 pages of documents, including tax returns, A lease signed in the state of Georgia from XX/XX/XXXX and letters stating that I still actively reside at this address, receipts with me paying the rent at the local realtors offices, pay stubs and utility bills for the current residences prior to the fraud account and up until XXXX of XXXX. Today the account was placed in collections by Penn Credit Company and back on my credit report. Again this fraud account has done damage to my credit accounts. A police report was filed, and identity theft report was also filed in the state of Georgia back in XX/XX/XXXX when the information first surfaced, XXXX XXXX works received ample documentation and more at their request. I want this off my credit and all attempts to collect to cease and desist

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation