BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
TransUnion had 2 separate glitches and my inquiries were deleted and then re-added to my report once the glitch was discovered. I Informed the person at transunion that this occured and I was not notified in writing 5 days prior to re-adding the inquiries to mynreport that they were intending to do so. I requested that all of the inquiries be deleted for this reason and this reason alone from myTransUnion report but was denied and ignored.
TransUnion 's glitch was an internal problem not mines that caused my inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted and wrote TransUnion in good faith to ask them to delete all the inquiries that they had illegally re-added. these inquiries add a hardship and that my rights were violated by TransUnion. please help me make this right.

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 2017-07-31
Company: JPMORGAN CHASE & CO.
State: OK
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:
This is a follow up to Complain # XXXX, regarding a fraudulent application submitted to Chase Bank via Amazon.com, under my social security number. Chase has ran a new credit report on me, as of X/XX/2017.  Despite the fact that I have a fraud alert on my social security number, I was not contacted by Chase. When I called to discuss this with Chase, they informed me that they only call the customer in the event that the account is approved. They also would not tell me why the account was declined. Also, all of the credit inquiries from the previously submitted fraudulent applications are still on my credit report. Chase has done nothing to resolve these issues, as it continues to happen at least every 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-09
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XXXX XXXX 2017, i sold XXXX LTC which at the time was worth {$150.00}. As of now it has been 3 weeks since i sold the virtual currency and i still have n't received any form of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I previously advised that I am disputing the fees assessed to reinstate this loan and I am requesting a full and complete break down of the itemized fees listed in the Reinstatement Quote, to include but not limited to the Expense Advances, Late Charges, and Foreclosure Expenses. Additionally, a RESPA Qualified Written Request ( QWR ) has been mailed to Freedom Mortgage, XXXX XXXX XXXX, XXXX, IN XXXX. Freedom Mortgage has continuously added unnecessary and absorbent fees to this account. On a recorded call to your loss mitigation department on XX/XX/XXXX, XXXX ( ID # XXXX ) and requested a supervisor to discuss the account. As of today, that supervisor XXXX has yet to call me back. The same day, per my online account, you added another {$100.00} fee with no justification or explanation for what this fee is for as well as another {$15.00} property inspection fee with no valid proof or need for this fee. Additionally, considering Freedom Mortgage received an electronic payment of {$1100.00} on XX/XX/XXXX that has not been returned ( as shown in the attachment below ) your assertion above regarding the amounts due is automatically flawed. To start, this is an FHA loan and I have been unjustly denied a loan modification after requesting one through the servicer and am in the process of filling a complaint regarding this. Per 12 C.F.R. 1024.41,  servicer are restricted from continuing the foreclosure process if the homeowner is working on securing a loan modification or other alternative to foreclosure. Per their letter dated on XX/XX/XXXX, your review was not closed until well after the time period prescribed by the dual tracking provisions in the law. Additionally, Freedom Mortgage XXXX XXXX was CCd on a prior email to Freedom Mortgages Loss Mitigation department in which he forwarded to XXXX XXXX for response on XX/XX/XXXX. On the same day, I responded to her email and CCd Mr . XXXX  a copy of the email in which the documents that Freedom Mortgage asserted was not received and never received her response or further contact. Finally, and most importantly, I believe they are violation of O.C.G.A. 9-13-140. In which the lender must properly advertise the foreclosure sale once a week for a period of four weeks immediately preceding the date of the sale in the legal organ of the county where the property is located. I am only seeing ONE advertisement in XXXX XXXX XXXX XXXX Report dated XX/XX/XXXX, which is LESS than four weeks prior to the sale date of XX/XX/XXXX. Additionally, I have requested the egregious fees to be removed. Freedom Mortgage has not responded.

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 2017-07-29
Company: EQUIFAX, INC.
State: TX
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:
X/XX/17 I have gotten a consumer credit report and noticed a lot of unauthorised access to my credit I have about XXXX companies with XXXX inquiries I sent dispute letters to the company 's and the credit bureaus I have had no response from neither the company 's or credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is not a duplicate complaint ; the issue from XX/XX/XXXX was NEVER corrected and still shows as derogatory on my credit thus impacting my credit score, caused me to get an increase of APR % on two credit cards, and delayed purchase of a home. THIS HAS BEEN over 60 days with NO result. I allowed plenty of time to correct my CBR!! This has to be resolved IMMEDIATELY and I want a copy of the correction!!

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 2020-02-26
Company: EQUIFAX, INC.
State: SC
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 BEEN A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THAT AN INVESTIGATION AND REMOVAL TAKES PLACE ON THE FRAUDULENT ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT REPORT. 
SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN A FEW ACCOUNTS. I HAVE NO IDEA AS TO HOW THAT INDIVIDUAL GAINED ACCESS TO MY PERSONAL INFORMATION. PLEASE BE ADVISED THAT THIS HAS HAPPENED WITHOUT MY KNOWLEDGE OR PERMISSION. 
I AM HAVE BEEN UNDER A LOT OF STRESS BECAUSE OF THIS AND I FEEL LIKE MY LIFE WILL REMAIN AT A STANDSTILL UNTIL THIS SITUATION IS RESOLVED. MY FUTURE DEPENDS ON THIS MATTER BEING RESOLVED SO I AM ASKING THAT ACTION TAKES PLACE IN A TIMELY MANNER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 BEEN A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THAT AN INVESTIGATION AND REMOVAL TAKES PLACE ON THE FRAUDULENT ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT REPORT. 
SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN A FEW ACCOUNTS. I HAVE NO IDEA AS TO HOW THAT INDIVIDUAL GAINED ACCESS TO MY PERSONAL INFORMATION. PLEASE BE ADVISED THAT THIS HAS HAPPENED WITHOUT MY KNOWLEDGE OR PERMISSION. 
I AM HAVE BEEN UNDER A LOT OF STRESS BECAUSE OF THIS AND I FEEL LIKE MY LIFE WILL REMAIN AT A STANDSTILL UNTIL THIS SITUATION IS RESOLVED. MY FUTURE DEPENDS ON THIS MATTER BEING RESOLVED SO I AM ASKING THAT ACTION TAKES PLACE IN A TIMELY MANNER.

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 2017-07-31
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX/XXXX/2017 {$410.00} XXXX/XXXX/2017 {$51.00} There was a company on XXXX selling items, they had you send it via friends and family through paypal, which at the time I did not know means that there is no buyer protection. I contacted the person several times on their XXXX page @ XXXX and also through the email address that the have on file with paypal, XXXX for 2 weeks the person stated that 4 boxes were sent out, and nothing to date XXXX/XXXX/2017 has arrived, now mind you their in NY and I am in NJ, when I began to get made and question him I was blocked from their XXXX page, I call paypal and they tell me do a charge back with my bank, and then tell me they have gotten other complaints. When you do some digging, there are several fraud accounts on XXXX that all start out with XXXX and they are scamming, fraudding, and hurting people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX filed a Chapter XXXX bankruptcy in an attempt to modify the mortgage with Wells Fargo Bank on his primary residence and avoid foreclosure. He submitted the necessary documents through the DMM portal and was denied based on his ability to make the original mortgage payment. He appealed the denial and the appeal as denied without specifically addressing the issue of mortgage affordability. Additionally, XXXX XXXX XXXX business failed and he struggled for several years before finding his new job. It appears that if he had a lower paying job that the mortgage could be modified. It is not the payment that is the problem but the arrearage that has built up while he was not employed.

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 2022-08-26
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXN 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 2020-02-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Citizen bank staff recommended me to apply for a credit card in XXXX.The application is rejected for the reason that Citizen bank doesn't grant credit cards to XXXX XXXX XXXX/ XXXX XXXX XXXX.

However, the bank did not specify such information before the application.In fact, in order to earn commission fee, the staff actually strongly recommended me to apply the card, even if she knows that credit card has never been granted to a XXXX XXXX.

Citizen bank failed to disclose crucial requirement for application therefore is subject to misuse of credit information. I'm filing this complaint to require Citizen bank to re-evaluate my application based on credit score, not my XXXX XXXX. 

My Citizen case number is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I referred my friend to apply southwest credit card at XXXX XXXX XXXX, which should be considered as proper channel. I tried twice to send email to her through the system. Maybe because her email address is in our email opt-out database, no email will be sent. Anyway, she applied the card use the same email and got approved. But I did n't see the bonus point posted to my account which suppose to be XXXX bonus points. Thus, I sent few emails / called to ask. Then, Chase asked me to provide my friend 's information, including name, address, credit number etc, and asked me to wait for the credits to my account. I waited and no respond anymore since XX/XX/XXXX. Then, I filled this complaint form.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-13
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 status incorrect

Complaint:
XXXX XXXX XXXX reported me 30 days late to XXXX for XX/XX/XXXX and XX/XX/XXXX. I was not and they were paid of in XXXX. They show me 30 days late each month for XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX to Equifax and I was not and this was corrected and removed and now put back. This account is over 15 years old and is closed and should be removed from my XXXX and Equifax report. All that XXXX XXXX XXXX has done is stop my refinance again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: MoneyLion Inc.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had unauthorized transaction on my account in the amount of {$520.00} and I filed the dispute on XX/XX/2021. While trying to receive my provisional credit. This company closed my account for no reason at all. Also, according to the dispute resolution email sent regarding the provisional credit issued to me. This dispute wasnt filed until XX/XX/XXXX. 2 weeks after I filed the dispute. That was the day I was to receive my provisional credit. I have attached all documents regarding this. And I just want my money and provisional credit that I was issued due to the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
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: Account status incorrect

Complaint:
On XXXX/XXXX/XXXX I received a copy of my credit file and found that there was incorrect information reporting on my Trans Union file. 

XXXX # XXXX {$85.00} I contacted this creditor by telephone on XXXX XXXX XXXX who confirmed to me that the above mentioned account and its balance reporting on my credit file as being verified by Trans Union Credit Bureau was unknown to them. Furthermore, I have been advised by the creditor to dispute the entry with the credit bureau and the creditor will respond as such. 

In XXXX I had previously informed the bureau that this account was unknown, the reply I received from Trans Union was that this account was verified which is contradicting the statement received from the creditor. 
The creditor does not agree with this credit reporting bureau I request assistance by the CFPB in the closure of this dispute by disclosing the FULL validation of 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 2017-07-31
Company: Receivable Recovery Services, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested that the creditor provides validation of the debt they are attempting to collect and they have not done so I requested this to be done on X/XX/2017 and I have not received any correspondence yet it has Ben almost a month. The collection amount listed on my credit monitoring site for {$1800.00} and I was never aware of such debt in writing

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
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:
Following the receipt of my credit report late last year from the Equifax, XXXX and XXXX consumer reporting agencies, I learned of an adverse account from XXXX. Said account reported to all three credit reporting agencies under account number XXXX, with a customer number of XXXX. 


I never had an account with XXXX. Disputes with the credit reporting agencies were for naught as XXXX merely confirmed the accounts. I complained to XXXX - in writing - and even completed two separate fraud affidavits received by this creditor. I also filed individual complaints with the credit reporting agencies. They were all ignored with an explanation that the account was not misused. 


Once again - I never maintained an account with XXXX. This company ignored my concerns despite evidence of identity theft, a return of the required affidavits, and the existence of a fraud alert on my Equifax, XXXX and XXXX consumer credit profiles. 

I now file my complaint to the CFPB seeking relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have been informed from Equifax that I was effected by the data breach. After applying for Credit limit increase I was told one of the reasons were due to public records. After contacting Equifax and speaking to their representative, he stated there was an unauthorized data associated with my name and that he will update the information. I noticed that there were unauthorized inquirers on my report, so I 've contacted Equifax again and explain that to them the unauthorized inquires as well as how I was told I was effected by their data breach. The representative stated that he will go ahead and removed inquirers but before the call was disconnected I was told it was disputed. 3 days later I receive email that the inquires were factual, in actuality they are not and I 've explain this to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX This debt has been reported on my credit report by TWO different agencies within the last year. I pulled my fathers credit report and this debt is also on his credit report and our names are not alike and we were not co-owners of any account in the past. How can this debt be verified if it is showing up on two different individual credit reports with two different agencies? The XXXX, XXXX, Experian credit agencies are reporting this information as verified but how if this is on me and my fathers credit report? Exactly whose bill is it? According to the FCRA, if a consumer makes a timely request for debt validation and a debt collector fails to provide proper validation or does not respond at all, the debt collector may not legally continue to pursue the debt. If collection activity continues, the consumer may file a lawsuit in state or federal court for violation of the FDCPA. This has been going on Since XX/XX/2018 form two separate collection agencies for the SAME bill. I'm pretty sure this is a violation under the FCRA to put something back on my credit report without proper notice. The information being reported appears as a re-aged account the dates of the account being opened is incorrect with what is on my report and from my knowledge, this is not legal. Along with Names and addresses. The account Is being reported opening in XX/XX/2018 and that is incorrect 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 non-monetary relief