BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I spoke with a TransUnion repeatedly about unauthorized fraud applications being file on my report they are refusing to help me by disputing. I placed a fraud lock on my profile and XXXX  XXXX XXXX and another credit on SaturdayXX/XX/XXXXplace a hard inquiry on my report. I am requesting this to be removed as I did not apply to these companies. TransUnion is refusing to 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 2021-04-10
Company: EQUIFAX, INC.
State: PA
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:
On XX/XX/2021 and XX/XX/2021 I sent dispute letter regarding certain collections and I have yet to receive and documentation regarding these accounts. They have failed to provide proof in a timely fashion allowed by FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
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: Was not notified of investigation status or results

Complaint:
I contacted the credit bureaus on several occasions and I have yet to receive a response on these items in question that I submitted for investigation. Can you please assist me here. As a consumer I have the right to submit disputes and they are supposed to by law investigate them within 30 to 45 days and it has been 5 months top with absolutely nothing at all from any of them. Please help me. 

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 non-monetary relief
Consumer complaint received 2021-04-10
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
In my prior complaint XXXX I specifically mention a PERSONAL CHECKING ACCOUNT APPLICATION document including describing the machine markings on its face, all of which was transacted by the Branch Manager XXXX XXXX inside the locked branch center. 

In that prior complaint, the Truist response by XXXX XXXX amounts to falsehood, misrepresentation, and blatant lying. That same gibberish XXXX XXXX wrote twice previously. 

My complaint represents a very simple set of allegations -- - a crime involving an alleged forgery occurred. I applied for one account = PERSONAL CHECKING ACCOUNT APPLICATION was signed an TELLER SIGNATURE CARD was signed. 
-- - I learned about an unauthorized credit relation and raised objection at which point in time BRANCH MANAGER XXXX XXXX resisted any legitimate outcome so LIAR XXXX was engaged at the Truist Corporate Campus to write falsehoods and closed my complaint without resolving anything. XXXX XXXX refused to delete that fraudulently obtained credit relation from my credit report ; -- - I continued forward and objected to the continuing reporting of a fraudulently obtained credit relaiton. XXXX XXXX was forced to concede and eventually deleted that fraudulently obtained credit relation from my credit report ; -- - I continued forward demanding a copy of all documents and things whereupon XXXX XXXX spent the first 3-months withholding all documents and then eventually produced two documents consisting of an unathorized OVERDRAFT PROTECTION document I have never authorized nor did i sign that document. It appears to be some type of trace / forgery crime to achieve a credit relation I expressly declined at point of sale ; -- - Each step of the way XXXX  XXXX concocts false narrative and continues to parrot those same XXXX  over and over and over without legitimate basis in fact or in law ; -- - Despite contact with numerous Truist branch locations no one is empowered to open a PERSONAL CHECKING ACCOUNT unless the consumer signs and agrees to all terms and conditions set forth on that PERSONAL CHECKING ACCOUNT APPLICATION. According to XXXX  XXXX -- - there is no such document but that document does exist and proof is available to CFPB by suppoena XXXX XXXX and examination under oath against a senior Regulatory Compliance Officer is not going to risk their career, marriage, home, and reputation to support XXXX  XXXX. 
The Truist Corporate Campus has redundancy of their data backups offsite under the control of third-parties in shock proof climate control facilities. 

CFPB shall demand that document proof and prosecute the fraudsters, forgers, and cover-up liars.

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 2021-04-10
Company: LAKEVIEW LOAN SERVICING, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have sent my mortgage company 3 documented inquiries about eliminating the PMI from my monthly payment, as my loan to value is under 80 % now. It has been a month since I sent the first one, and have received no response other than this : " Thank you for contacting us! Your inquiry has been forwarded to the team of specialists experienced in resolving your issue. Our hours of operation are from Monday-Friday, XXXX XXXX.- XXXX XXXX Eastern time. We will provide you a response as quickly as possible. 
Sincerely, Customer Communications Department NMLS ID XXXX '' The mortgage company is Lakeview Loan Servicing , LLC

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 2020-08-31
Company: Experian Information Solutions 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:
There is an inquiry on my Experian credit report posted in XX/XX/2019. I am unaware of this inquiry and did not attempt to open a line of credit with this store/company. Ive tried to reach out to XXXX XXXX and Experian and with no help have had no luck. I spoke to a representative from XXXX XXXX in XXXX and was told it would be removed. The said they would send me proof and I have yet to receive anything. Experian and XXXX XXXX have refused to do anything. I did not attempt to open or establish a line of credit with this company.

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 2021-02-21
Company: EQUIFAX, INC.
State: IA
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XX/XX/XXXXFraud Victim Assistance Department XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XX/XX/XXXX- XXXX XXXX  Account number XXXX Account type MORTGAGE EQUIFAX Account number XXXX Account type MORTGAGE Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : a copy of my drivers license Copy of Credit Report Fair Credit Reporting Act Section 605B

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: ACIMA CREDIT, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Acima works with a vendor ( s ) who sell faulty goods ; I purchased two necklaces totaling {$5800.00} ( paying on weekly basis ) on XX/XX/XXXX ; I entered the agreement on good faith, that the jewelry was in-fact real ; one month or so later pieces began to fall off and tarnish ; the seller made me believe it was real ; I contacted Acima to inform them that the jewelry wasnt what I expected for the cost ( via email ) ; Acima responded by saying, u have received this email because you have requested a return of the XXXX gold chain and charm silver necklace with stone leased through Acima, and initiated at XX/XX/XXXX XXXX In order to begin the return process and suspend renewal payments on your lease account, please do the following : Send pictures of all the leased property to XXXX include your telephone number ( s ), and email address, XXXXThis lead me to believe the actually cared about costumers concerns, especially with {$5800.00} cost tag. They later emailed me back after I sent the pictures stating that, Settlement : Acima can offer you a settlement of ( {$1400.00} ) ; This lead me to believe I was infact getting a refund, so I called to confirm my payment, not once did they say you have to pay us during the call, until i asked why would my card decline if i was receiving a refund. It was until then the stated no refund and you have to pay the settlement ; i then asked why would i pay for something that much that wasnt worth the money from the beginning ; I was mislead, I then told them i would call back at a later time to discuss my final discussion on how i would proceed with new information, I informed to stop taking paying from my account and that I would call back ( after my legal paper were sent ) ; but instead they continue to withdraw funds from my account without my permission, this constitutes fraud, deception, unfairness, oppression. ; i had to move the money in a different account so they wouldnt take it, overdraft fee accured ; Acima offers no protection to the client in the case of bad goods, kind of like a lemon car ; it was never a sold as is kind situation. I asked for a full refund. Acima contact XXXX ; violates 15 usc 1692, false rep of character amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
i applied for couple credit cards to see if it actually hits my credit and it did even having a freeze on credit and i called them to see how where they able to pull they said you didnot had a phone number to call so we allowed to pull them well they just have to block it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: JPMORGAN CHASE & CO.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I received what I believe is a misleading advertisement in reference to my credit card via email on XX/XX/XXXX from Chase Bank. I contact my local banker, and she said she was forwarding my concern to the credit card division and that I would hear back by XX/XX/XXXX. I did not. 
The advertisement claimed that I could pay a fee on a purchase but no interest payments. That is incorrect ; fees and interest are all part of the loan ( in this case, credit card purchase ) process. One implies the other, given the loan/card purchase amount. I have included a document as an ATTACHMENT that demonstrates my claim that there " fees '' are the equivalent to an interest rate. The claim that no interest payments need to be made is simply false.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have an American Express Serve prepaid card. I have direct deposits made on a regular basis. Four recent deposits have failed to show up on my balance even after the payment was processed by the issuer. I called their customer service number, but the call was not picked up after being on hold for over thirty minutes. 
I found out from XXXX and other social media that thousands of people have been waiting for direct deposits from this and the Bluebird card ( also issued by Amex in conjunction with XXXX  ). I am broke and desperate for answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I can not link my capital one credit card to my XXXX XXXX account. They simply block the transaction so I cant share my information with a service like XXXX XXXX   really?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent four written request ( XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) certified to this credit bureau to VALIDATE a debt ( XXXX ..., XXXX ..., XXXX ..., XXXX ) that has been placed on my credit file. This credit bureau has FAILED to validate this request by providing an original consumer contract with my signature on it. According to the FCRA, accounts that are not positively validated by proof must be removed and deleted. This credit bureau has failed to do this more than four times. It has " said '' that they have verified this debt but has only sent an alleged account history. This is not sufficient and does and is a violation by federal law and I fully intend to pursue litigation in accordance with the FCRA to enforce my rights. The accounts need to be validated by original contract or DELETED.

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 2020-12-13
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Community loan servicing AKA Bayview loan servicing during a loan modification the company reported me as being 120 days late 23 times during the modification period this is impossible that equates to 5 years and also how was the reporting made doing the modification this is furthermore destroyed my credit report and scores have reached out to them on several occasions with no response looking to get this resolved ASAP. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX XXXX, Experian XXXXXXXX XXXX XXXX Account # XXXX Amount {$0.00} This account is showing on my credit report incorrect and inaccurate across all 3 credit bureaus. I have sent certified letters to XXXX, Experian, and XXXX 3 times to remove this account due to inaccurate information and to provide me with proof. They continues to update this account and say it has been verified, but yet to provided me with any documentation. I have also provided XXXX with screenshot of my credit report and highlighting each individual line item with comment that was incorrect, in which I would provide the screenshot in this email also.

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 2021-03-25
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:
A week ago, I checked my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize these accounts and have never incurred debt with these creditors. Thus, I am requesting that you please verify the validity of this account, and remove them once its confirmed that it is not mine. It could also be possible you are mixing up this account with someone that has a similar name as me.

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 2018-04-28
Company: AFNI INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received notification to check credit report and found a bill from XXXX XXXX outsourced to Afni in the amount of {$1000.00}. It caused my credit score to drop 43 points. It is stating open XX/XX/XXXX. This is an account I know nothing about as I do not have cox communication where I live we can not even get cox in our area. We have been here since XX/XX/XXXX. 

I have not received any written correspondence about this bill at all to ascertain if it is for services rendered to my address. Prior to this address we were at another address for over three years. We did not have XXXX XXXX. Prior to the previous address we were in another state for 12 years and never had XXXX XXXX 

According to Virginia Fair Debt Collection : In Virginia, during the time period in which an account remains open, and no payment is made on the account, a collector has a statute of limitations of 3 years from the date of last payment or last charge for goods or services rendered on the account to file suit against a consumer. 
If a debt is based on a written contract ( non-Uniform Commercial Code ) the statute of limitation period is 5 years. " Protecting Consumers Rights : Debt Collection Laws - Virginia Statute of Limitations on Debt Collection. '' ( XXXX ). XXXX XXXX XXXX On my Credit Report it states : Account information disputed by consumer, meets FCRA requirements. Not sure what that means.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I was given the 80/20 mortgage by Wells Fargo Bank mortgage representative in XX/XX/2006. I did not asked for this type of mortgage. The mortgage representative gave me this type mortgage when I applied for it. Since then, I have tried numerous times to either modify or refinance my house, Wells Fargo has not been willing to help me. 
Now, I am at point, I am scared of loosing my house. 
I believe Wells Fargo is not willing to even modify my loan, mainly because they want to continue milking underprivileged consumers like me, as usual with the high interest rate.

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 2018-06-29
Company: Experian Information Solutions Inc.
State: IN
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:
My name is XXXX XXXX and I am a U.S. Veteran. my Identity was compromised between XX/XX/XXXXand XX/XX/XXXX. During this time a fraudulent account was opened in my name with XXXXXXXX XXXX. XXXX XXXX and Experian are aware of the fraudulent account, however, as of todays date the negative item still remains on my account. A military police report has also been filed and my unit is working with the Federal Trade Commision and the Consumer protection agency to resolve the matter. Please have XXXX remove this from my account immediately as it is causing me economic harm. I have also included a identity theft report from the federal trade commision regarding the 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 2020-11-25
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2019 coinbase attempted to steal $ XXXX+ from my bank account due to a bizarre app glitch. However only {$2300.00} were available, which was stolen. I have been trying to get my stolen value for over a year now. No response. This is a criminal  organization. Please help me. I am contacting news outlets. 

Do not do business with coinbase. Com. This is an illegal front for illegal activity.

Company response to consumer: Closed with explanation