BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-18
Company: Meridian Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
MERIDIAN FINANCIAL SERVICES Last reported XX/XX/XXXX {$720.00} Open balance XXXX XXXX was including in my XXXX bankruptcy however they sold account to meridian and now the item is on my XXXX credit file affecting my credit and it is on twice showing twice in debt. XXXX will not remove as the collection agency will not update. Please assist.

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 2019-07-15
Company: Experian Information Solutions Inc.
State: GA
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:
To whom it may concern : I have been a victim of identity theft, after checking my credit recently I notices account and collections that do no belong to me, so I was advise to file an FTC report which is attached and a CFPB 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 non-monetary relief
Consumer complaint received 2019-10-11
Company: CITIZENS FINANCIAL GROUP, 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: Account information incorrect

Complaint:
Back in XXXX I went through a nasty breakup with my ex. Later found out that my ex stole my identity and changed my address information and long story short some of my accounts ended up going delinquent because they bills were being sent to an address that I was not located at. When I found out about it I was able to rectify the situation. Citizens Bank got me set up on a repayment plan for my student loans but then ended up charging off my accounts in XXXX. Since then I have been paying faithfully on my accounts, triple if not more than the required monthly amount. I paid one account off in full and am still paying one account monthly. The account that I am still paying on is causing issues. Back in XXXX when they charged off the account they entered a " {$0.00} '' balance for what was owed. Never thought anything of it although not my problem since I'm not Citizens bank and I don't know what they are required to report. Just recently I went and checked my credit and noticed that my credit took a XXXX point hit because 7 years later, now XXXX they decided to go in and magically update their record and update the balance of my account. Coincidence that the account is going to be falling off my credit in XX/XX/XXXX? I called them XX/XX/XXXX and when I called them the woman on the phone was very rude and she told me that they are allowed to go into my account anytime and update the balance whenever they want. If that was the case, it wouldn't take them 7 years to find out that they screwed up putting in a {$0.00} balance. I asked why in XXXX a {$0.00} was put in and the woman said it was a coding error. I stated that was unacceptable and that someone needed to fix this. She said that there was nothing they could do and it is what it is. No, that's unacceptable. I've busted my butt to rebuild what my ex did to me for the past 7 years and got my credit up to where it is today and Citizens Bank is now XXXX with me and this needs to be fixed and my credit needs to get back to where it is. I'm in the process of buying a house and this will royally XXXX my options of getting my house if they don't fix their error. I have disputed the account with the credit bureau and they have since stated that they are deleting the account from my credit but I want the creditor to fix their mistake and take responsibility for an error they made 7 years ago. They can't act all nonchalant about it and put the blame on me. I've been paying faithfully for years and they get no responsibility. I'm tired of banks taking advantage of people like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Ive been a victim of identity theft, someone use my information to obtain Medical Care. The funny part is I dont live in the county where the care took place. XXXX XXXX XXXX ( XXXX XXXX ) Who Ive never done business with or entered into a signed contract has 5 bills listed on my report. The following accounts are fraudulent accounts and need to be blocked/delete from my report. 

1. {$770.00} XXXX XXXX 2. {$500.00} XXXX XXXX  3. $ {$350.00} XXXX XXXX 4. {$350.00} XXXX XXXX 5. {$79.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: Experian Information Solutions Inc.
State: KY
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:
I have repeatedly contacted the 3 major credit bureaus to have my mortgage included on my credit report. They are reporting my mortgage with XXXX XXXX as closed, and the account is very active and still open. I even contacted my mortgage company XXXX XXXX about this and they stated that they are reporting to the credit bureaus monthly, and they are not understanding why it is not up to date with the credit bureaus. 

My most recent contact was XXXX 2017 with XXXX XXXX  and the credit bureau XXXX, Experian and XXXX, I even conferenced a call with XXXX and my mortgage company and they ( my mortgage co. ) explained to them that my account is current and that they are reporting to them monthly, but the response from the bureau ( s ) was still that you need to contact your mortgage company and have them send update to them ( the credit bureau ).

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 2019-07-10
Company: Credit Protection Association, L.P.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Transfered my internet service to XXXX XXXX. XXXX offered a 30 day money back guarantee for the service. XXXX was unable to provide the contracted service and I cancelled the contract within the stipulated 30 day period. XXXX refused to honor the warranty. XXXX engaged Credit Protection Associates ( XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX ) to collect the fees for the service. Credit Protection Associates started contacting me to collect the debt. I advised Credit Protection Associates, in writing, that XXXX was in error, no amount was due, the VA utility authority had ordered XXXX to honor their published warranty, and that I would take legal action if Credit Protection Associated harmed my credit rating. Credit Protection Associates filed a delinquent notice on my credit rating with the credit bureaus. I was subsequently denied a loan by XXXX XXXX bank as a result of the Credit Protection posting to my credit report. 

I have reached out, in writing, to both XXXX and Credit Protection Associates to express my distress with their handling of the matter and that I would file a FCRA complaint if they did not offer any remedies. Both XXXX and Credit Protection Associates elected to ignore my written correspondence. 

I am ready to proceed with a formal complaint that both XXXX and Credit Protection Associated are in violation of FCRA provisions.

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 2019-07-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I WAS SCAMMED BY 2 DIFFRENT COMPANIES. I PAID XXXX XXXX XXXX  {$990.00} ON XXXX USING MY DEBIT CARD.. I ALSO PAID XXXX XXXX  XXXX  WITH A CHECK {$4100.00} ON XXXX. THESE 2 COMPANIES TOOK ADVANTAGE OF ME AS A SENIOR CITIZEN. THEY DID NOTHING AT ALL FOR ME AND I DON'T KNOW WHAT TO DO AT THIS TIME. I REALLY NEED THIS MONEY AND NOBODY IS ABLE TO HELP ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Greetings, CFPB, and all military families and civilians, this is numerous complaints that I have sent to the CFPB, FTC, OFFICE OF THE COMPTROLLER and as well to the credit bureaus. 
This is my situation everyone, since no one is willing to help me with my serious complaints against this company XXXX  for their malpractices, abused, selling of my informations, reporting inaccurate informations on my credit report and having all of my personal information in the XXXX by their call center that is located in that country. I called in regards to that issue as well because I received a scam phone call from someone in the XXXX stating that they are calling me from the VA REGIONAL office in XXXX XXXX Florida to go over my XXXX claims, so I called the VA office to verify if they have offices in the XXXX helping veterans and they responded to me NO. So, the next day I went ahead and file a police report to safeguard myself. I also reported the incident to XXXX   and the rest of the bureaus. 
Now, today XX/XX/2019 at XXXX XXXX I called XXXX again the seventh time within a month time frame to find out what is going on with all 51 fraudulent inquiries showing on my report and as well for the legal letter I sent them on XX/XX/2019, they transfer me 6 times and every time I got an individual they took my information and says that I have to transfer you to another department, to a supervisor, to a supervisor in the fraud specialized team. Now, mind you I have been on the phone for 30 minutes waiting and being transfer to talk with someone that can really help me resolve my problems with this company. I finally got someone by the name of XXXX XXXX a supervisor on the specialized fraud team that was so rude, unprofessional, and just outright argumentative to my report, he kept saying that I have to wait for 30 days, my legal letter doesnt mean anything because by law the bureaus have 30 days to respond, so I told him sir I have been waiting for 120 days and all that transunion keep on responding to the CFPB is that I am a victim of fraud. 
Now, the CFPB says, that it will help consumer, however I need to know how I am being helped? Are they tired of receiving my complaints, do I need to contact my state representative, Congress to help me with this matter because it is completely unfair and unjust people. Anyone, that is reading my complaint please help or any suggestions that you may have in order to get my complaints for 120 plus days resolved. I had supposed to close on a home XX/XX/XXXX, however due to the inaccurate informations that XXXX  is reporting, my family will loose out on a roof over their head. I need help and that is why at times people take drastic measures because no one is willing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2021 I was sitting on my couch when I received an email from XXXX confirming an Ethereum sale transaction which I did not initiate. I immediately contacted XXXX and my account was disabled/locked down. I was assigned case # XXXX and told it would be resolved in 4/5 business days. So far everything seemed reasonable as It seems I was the victim of a hack and that resetting my login/passwords would be an obvious fix. 

I had 99 % of my crypto in XXXX Vaults so in theory adding extra layers of security and protection. 

Since then - Nothing. No case manager, no human contact, no phone calls, no updates, no emails, nothing. 

I have over {>= $1,000,000} XXXX XXXX XXXX XXXX XXXX XXXX dollars XXXX at current market values in XXXX and this is virtually all my life savings. 

I have been all over XXXX and other sites and it seems many, many people are having these issues with XXXX. 

Its beyond unconscionable to simply not communicate especially when in control of so many others funds. 

Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-12
Company: CORELOGIC INC
State: NC
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:
I used XXXX XXXX to check my credit report and I have several " hard inquiries '' that I don't recognize. How do I remove these from my report? 

- XXXX on XX/XX/XXXX - XXXX on XX/XX/XXXX - XXXX on XX/XX/XXXX - XXXX on XX/XX/XXXX - XXXX on XXXX XXXX XXXX - XXXX on XX/XX/XXXX Thank you

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 2019-07-10
Company: Rocket Mortgage, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This is in continuation of complaints XXXX and XXXX. 
I have asked a simple question that what was the breakdown of {$6800.00} which they showed as adjustments and credits in the estimate ( attached ). There has to be some math behind it but they never explained it. 
They did brainstorming for almost 2 months and explained the tax credit of ~ XXXX and that was the actual amount when I applied for the loan but they never gave the explanation of the remaining ~ XXXX. 
I have been asking the same question from past 45-50 days and they never gave me the answer. Everytime they come up with that I signed the documents, well that's because you gave me no option. You disclosed the final numbers 3 days prior to the close and then no one from your company talked to me to explain anything and I didn't want to loose the property and that's why I signed. 
And don't take credit of the additional {$3000.00} which was not there in the final closing as that was because I didn't opt for some of the title services so you guys have nothing to do with it. 
All I want is the breakdown of that adjustment and credits amount which you gave me in the initial estimate, that's it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: SYNCHRONY FINANCIAL
State: OH
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:
I reached out to Synchrony Bank for an Amazon credit card inquiry from XX/XX/2019. They advised me they didn't find any applications or inquiry at this time. They said there was nothing they can do. I want this inquiry removed since I never applied with them. I already reached out to XXXX and they tell me to reach out to the company, Synchrony. I didn't get anywhere with them and I shouldn't be penalized when Im not applying for credit. I put on all 3 of my credit reports, freezes and blocks.

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 2020-05-08
Company: BSI Financial Holdings, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my house on Monday, XX/XX/XXXX. I called BSI Financial Services on XX/XX/XXXX to make sure they didn't charge me my XXXX payment since they are no longer my lender. I waited on hold and they forced me to leave a voicemail. I gave my loan number, contact number, and explained I wanted to make sure I was not charged. They said they would return my call in a day. I called XXXX, XX/XX/XXXX and left another message with no return call. Yesterday, XX/XX/XXXX I emailed BSI on their portal and explained they were no longer my lender and I was revoking their access to my ACH checking account. Today, BSI Financial withdrew {$1000.00} from my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: United Check Recovery Bureau, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This is a a follow-up response to the following case number : XXXX. 


In regard to the response that the company responded with ( filled with falsehoods ), this person responding is not accurate and in the response, and is stating out-and-out lies. This organization has in fact, contacted me NUMEROUS times ( 6 times -- and the 1st conversation was recorded from my end, and the other 5 times I have copies of the message that was left ). I stated from the first conversation that I DID NOT WANT TO BE CONTACTED BY TELEPHONE OR AT MY JOB BY TELEPHONE ... .I also clearly stated THAT I WANTED VERIFICATION AND A PAPER DOCUMENT MAILED TO ME ... this XXXX XXXX responded " Why -- why do you need that?! I can email you something. '' However, no email was ever received. And according to the FDCPA, a verification must be sent by mail after the initial telephone contact. This person has contacted my distant relatives ( they have already filed a notarized statement for my attorney ) that clearly demonstrates they were contacted AFTER this disreputable company knew exactly where I lived and how to contact me. They were just calling distant relatives to intimidate and scare me. Finally, I HAVE RECORDINGS WHERE THESE BOTTOM FEEDERS imply legal action and such from the courthouse .... 

I will be pursuing this to the criminal and civil extent that I can. I am also in contact with ( 3 ) other parties who have been victimized by this disreputable company -- I found these other parties on other blogs complaining about this company and I reached out to them. UCRB better be prepared to be sued for the fullest extent that we are able. I have had enough. By the way, to date, I have received no email and no postal mail from UCRB validating the debt. I have indeed sent a CEASE and DESIST Letter and a Validation Letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a money order from the XXXX post office  for {$11000.00} euros on XX/XX/2018. 
Citibank took to money order that is guaranteed like a US post office money order. They in turn lost the money order and sent me a copy advising they were unable to cash it stating : refer to maker This is totally ridiculous and no small amount. This is a guaranteed money order from the national post Office of XXXX. 
With Citibank losing the check, I have no recourse now when I go to XXXX. A copy will not be honored. 
By them messing the deposit up and not sending me back the original money order they have cost me {$11000.00} euros.

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 2018-01-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I went to open a Checking Account with Chase on Saturday, XX/XX/XXXX. Everything proved to have been accepted and I received my temporary card in which I deposited XXXX dollars immediately. When I attempted to log in today, Wednesday, XX/XX/XXXX I come to find that my account is restricted and after following up with a call to their customer care, it has been closed. 

I did not receive any information as to why my account was closed. This is the second time Chase does this without a reason as to why they are closing. They simply state, I am sorry but we can not release this information to you?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: Utah System of Higher Education
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have sent the form to change the amount I pay multiple times, most recently I faxed the form with income verification on XXXX/XXXX/XXXX and XXXX has not responded to this or the two emails I sent about it. 

They incorrectly assessed my income based on one pay stub. I do not work the same hours every week so I do not make the same amount of money every two weeks, they should be basing my income on my tax statement. NO ONE WILL RESPOND to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: Midwest Recovery Systems
State: WA
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:
I have NO CLUE why I owe {$410.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
CRA has continually reported unauthorized inquiries on my credit pofile.

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 2019-10-11
Company: MARINER FINANCE, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Mariner Finance LLC was provided with Notice to Cease and Desist from contacting me via phone on two separate occasions. They were also instructed to correspond with me regarding all account information via regular mail at my current home address. They never did. On XX/XX/2019, Mr. XXXX XXXX XXXX provided my financial institution, XXXX XXXX with legal garnishment papers. It appears through illegal channels, documentation was filed with Superior Court of New Jersey, XXXX County, Special Civil Part without providing proper notice to me regarding the debt and providing opportunity to dispute same.

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