BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-26
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been locked out from online access and my debit card is restricted. The only way they can remove it is by texting a number in my name. I have a XXXX phone in my name. Not prepaid. Every time I call to resolve the issue the rep says the number isn't good AND CALL back with a phone in my name. The phone Is in my name. I asked how do they verify and they said public records.I then searched the number on XXXX and like expected it came back to my name address and dob.I also did the same in the XXXX listing. It has been 4 plus months that I have been denied access to my money in my account. A rep advised me to go to a branch and they could help but unfortunately there are no branches within 4 hours of me. My last resort was mailing my XXXX phone bill and screenshots of the public record showing the number is associated to me. I haven't heard anything .Citi has had my money on lock for months. There internal system is flawed with verification because the phone I have is not a voip its a cell phone with XXXX that has a monthly plan in my name.

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 2020-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Verify Method of Verification. 

CFPB Complaint was submitted and the response was received in Report # XXXX Date XX/XX/20. Federal Register outlining the Federal Trade Commission 16 CFR Part 660 Procedures To Enhance the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies Under Section 312 of the Fair and Accurate Credit Transactions Act ; Final Rule ; Guidelines for Furnishers of Information to Consumer Reporting Agencies ; I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. If e-oscar was used please show verification fo Metro 2 compliant data. 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request.

15 U.S. Code 1681i. Procedure in case of disputed accuracy ( 6 ) Notice of results of reinvestigation ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

The proof of Investigation methods and proof that I am using a third-party service is requested in the failure to remove the following items : Creditor : XXXX XXXX XXXX   XXXX XXXX - Account : XXXX. 
Creditor : XXXX XXXX XXXX Account : XXXX .... 
Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Account 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 2021-10-26
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX XXXX My name is XXXX XXXX XXXX XXXX XXXX have pulled my credit file and I noticed that there are some mistakes that need to be corrected. My name is not XXXX XXXX, XXXX XXXX XXXX or XXXX XXXX. I Noticed there are addresses that do not belong to me. Please delete/remove the following addresses they are wrong : XXXX XXXX XXXX XXXX OH , XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI , XXXX XXXX XXXX XXXX XXXX OH,XXXX. 
I am applying for a new job and the information on file is not correct.

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 2022-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 noticed an account and multiple inquiries on my report I do not recognize

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 2018-03-15
Company: EQUIFAX, INC.
State: MD
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:
We locked our credit with all bureaus after the Equifax breach. We stored passwords from the other two bureaus and easily unlocked our credit while trying to buy a home. We did not have record of Equifax codes ( wondering if they snail mailed them the first time and we never received them ). After much time and labor, we reached them on the phone and qualified to unlock our own credit by having them snail mail us our passwords. The 5-10 business days during which they said our passwords would arrive has come and gone and we are not able to buy a home because of this. They caused the problem with the breach in the first place and now they are preventing us from buying a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX started to receive emails from Carrington Mortgage to Refinance my mortgage with them. I declined. On XX/XX/XXXX I received 2 more emails and a phone call. Declined both requested for them to stop. On XX/XX/XXXX received 3 more emails. Requested them to stop. On XX/XX/XXXX they started calling random family members of mine that are not on any of my mortgage documentation to get to me. Requested them to stop again. 
This has been a nightmare of harassment to me and my family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I made purchases with the company Coinbase during the months XXXX of 2020 and also XXXX of 2020 and for some reason on the day of XX/XX/2020 I go check my portfolio and my purchases that I just mentioned were gone my portfolio said {$0.00} and I did absolutely nothing to my account nor have I given anyone access to my account to warrant such results and I also had emails that Ive had with Coinbase about the situation and to no prevail they insisted on explaining to me that I may have used a different email in which I have only used one ever since the dates I just mentioned at the beginning of this statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-27
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Comenity XXXX XXXX called my husband on XX/XX/19 and left a voicemail at XXXX:XXXX  threatening to take further escalating steps if I didnt return their call today. They then called my father and brother on their personal cell phones separately leaving similar messages. My family members are not associated with my credit profile in any way, nor are their phone numbers listed there or in any public forum. They are not authorized representatives on my account. Comenity XXXX XXXX is well aware that we are working with XXXX  XXXX XXXX  and has their contact info on our behalf. These three contacts are in clear violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-28
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Back in XX/XX/XXXX. I paid my minimum due on my card at the time I was on XXXX and my money didn't hit the bank on time so therefore my check was returned twice. Walmart then closed my account. I called spoke to an account manager on XX/XX/XXXX. She advised me that if I made 2 consecutive payments on time they would reopen the account. Since then I have made more then two payments on time. And will be paying off the account on XX/XX/XXXX. I called yesterday XX/XX/XXXX and spoke to another account manager to see why they had not reopened my account her name was XXXX ID # XXXX and she stated she doesn't know why the account manager would tell me that and she would not honor that. How sad that this company doesn't stand true to their word.

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 monetary relief
Consumer complaint received 2020-04-27
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: Their investigation did not fix an error on your report

Complaint:
Verify Method of Verification.

CFPB Complaint was submitted and the response was received in Report # XXXX Date XX/XX/20. Federal Register outlining the Federal Trade Commission 16 CFR Part 660 Procedures To Enhance the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies Under Section 312 of the Fair and Accurate Credit Transactions Act ; Final Rule ; Guidelines for Furnishers of Information to Consumer Reporting Agencies ; I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. If e-oscar was used please show verification fo Metro 2 compliant data. 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request.

15 U.S. Code 1681i. Procedure in case of disputed accuracy ( 6 ) Notice of results of reinvestigation ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

The proof of Investigation methods and proof that I am using a third-party service is requested in the failure to remove the following items : Creditor : XXXX XXXX XXXX   XXXX XXXX - Account : XXXX. 
Creditor : XXXX XXXX XXXX Account : XXXX .... 
Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: EQUIFAX, INC.
State: NJ
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:
May you please assist me. I have accounts that Im unaware of XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX that someone did a pay settlement. How can this even happen? I need all this removed from my report. The companies all said Im responsible and theres nothing I can do but pay. This is so horrible. I work XXXX hours a day XXXX children to feed. please remove this so I can buy our home. Please God Please.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05
Company: ERC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is with original company XXXX XXXX XXXX XXXX XXXX but has been sent to a 3rd party collections, XXXX XXXX XXXX for the amount of {$110.00}. I have attempted several times to dispute this reporting on my own and company has not given a resolution. This account was set up with out my permission and with my personal information. XXXX XXXX XXXX XXXX did not have best practices with verifying if person calling in is the correct party. 

This is injust and i shouldnt be held responsible when my identity was used without verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In previous complaint XXXX, Ditech Financial apologized for its negligence in failing to obtain my authorization prior to restructuring my loan and increasing my monthly payment by over 10 % and stated the issue had been rectified. 

It has not. 

My monthly mortgage payment should be {$1100.00}, and it shows it was decreased from Approx. {$1600.00} to {$1200.00}. This did not return my account to its prior status, and Ditech did not fulfill its commitment to the XXXX as stated. 

In this complaint, I am seeking the following resolution : 1. For my account to be restored to its status prior to Ditech acting against my will 2. Ditech to rectify the claims made against me to the credit reporting agencies 3. Financial settlement on this claim. Ditech has failed to apply my payment to the lowest interest portion of my loan andninstead retained additional payments I made for over one year, which I understand violates their legal obligations. This decision, along with restructuring my loan, and the numerous complaints to seek resolution have caused me financial and emotional monetary loss. 

I await an immediate response from Ditech and resolution in-line with commitments made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: DISCOVER BANK
State: OR
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:
I filed a dispute through discover for the amount of {$490.00} initially on XX/XX/2021 against a merchant ( XXXX XXXX ) that didn't send me the items as received and was scammed. I went through the dispute process with Discover and provided documentation when asked. I was told not to worry about it and was given a temporary credit. It was later reversed a month later and I followed up asking why. They said that they were putting the case through a second review and that the merchant didn't provide valid documentation. Turns out that's all false because the second review sided with the merchant saying the transaction was valid? Dragged out to almost 3 months just for that kind of response?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: American Credit Acceptance, LLC
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I, XXXX XXXX, finance a XXXX XXXX XXXX on XX/XX/XXXX for XXXX through XXXX XXXX XXXX. The interest rates the company was charging is 25.00 % added onto my loan. When my loan ends my total price of the vehicle will be XXXX. For the state of Indiana the legal rate is 21.00 % and 25.00 % is over way the limit. This limit qualifies as a usury. Since XX/XX/XXXX I have been trying to trade in my car because my family has expended and I can not due to the outstanding balance still on my loan. In the process of doing so, a dealership manager made aware that the loan institution has rates the interest rate even more on loan 00.39 % more which makes the interest rates at 25.39 % now. I have reached out to XXXX XXXX XXXX, they have did nothing to fix this situation. I have reached out to lawyers and they all stated this is against the law. All I want the XXXX XXXX XXXX to do is lower my rates or let me out my car loan so I can get into a vehicle that is affordable and efficient for my family size now. As of XX/XX/XXXX, I still owe over {$14000.00} dollars.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: Quality Asset Recovery LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I lived at the XXXXXXXX XXXX XXXXXXXX XXXX between XXXX XXXX XX/XX/XXXX. 
The company claims I skipped out on my last months rent and did their walkthrough in XXXX, two weeks after the end of my lease. 
They claimed to have made attempts to contact myself and XXXX contact but no attempts were made. 
I emailed the office at XXXX on XX/XX/XXXX, giving my notice to vacate 60 days later on XX/XX/XXXX at the end of my lease. I have the screenshot and time stamp that proves my statement to be true. 
I was given no response. This was all in XXXX. 

This property The XXXX  XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX in XXXX, Tx. And is managed by XXXX XXXX. 

Fast forward to XX/XX/XXXX, I receive a notification that a collection was opened in my name with the debt of $ XXXX from a XXXX party debt collection agency, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX alleges this account was opened XX/XX/XXXX. Almost 4 years after I moved out, XXXX XXXX sold a collection amount in my name to a 3rd party agency. 

I have reached out for a copy of my lease and move-out statement on two different occasions. Once back in XXXX, I called asking for a rental verification for myself and was rejected for reasons that can be disclosed by The XXXX XXXX XXXXXXXX XXXX. In XXXX, when I was working at XXXX XXXX, I called and sent over a verification for rental for myself from XXXX XXXX. They did not believe it was valid and chose not to respond. They claimed to have called XXXX XXXX  management to verify but had they called, they would have spoken to me. 

XXXX XXXX claims to have made attempts to collect this debt before selling it to a 3rd party agency but had they tried truly, they would have emailed the email ( my current email ) that I used when submitting my notice electronically ( I submitted a written one in person as well ). They would have also told me about it the times I called to speak about requesting a copy of my lease. 

They have refused to give me a copy of my lease for the last 3 years. Then after 3.5 years, they sell my account to a 3rd party collection and refuse to speak or communicate with me per their rules of engagement.

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