BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2019-05-21
Company: ALCHRO INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
FIRST FEDERAL CREDIT XXXX XXXX XXXX # XXXX XXXX, FL XXXX ( XXXX ) XXXX This alleged debt was paid to resolve this issue over a year ago. This company has continued to recollect the same debt and has not removed it from my credit report as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Both companies, TransUnion and XXXX, are now trying their best to hide the fact you can get a one-time security freeze. Freezing your account now requires a paid premium monthly membership to freeze your credit report.This is not true, but I was specifically told by a TransUnion that this was the case. Going to their website, you are now unable to find out where and/or how to freeze your security without the premium monthly membership. I feel this is nothing more than an attempt to increase sales after the major XXXX breach, taking advantage of people like me who had their credit compromised due to the breach. Both company 's phone systems are obfuscating a one-time credit freeze as well.

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 2021-07-17
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I have a legitimate Coinbase & Coinbase wallet account, both are linked to my bank accounts. Coince base is a seller of cyrpto currency. About 3 months ago Coinbase disabled access to my account and I've been locked out ever since. I've been emailing them, trying to re-open a case, I've tried tweeting to them on their twitter account & direct messaging them on their coinbase support twitter account & all I ever received are automated messages that have the exact same writing & phrasing in every response. I haven't been able to access my money or account for 3 months. I recently contacted Coinbase to try and get my money back & close my account & still no response from them. My money is held hostage by coinbase.I put in a complaint with the XXXX XXXX XXXX over 1 month ago so that they may respond & still nothing. Also, when I checked their XXXX account, there were several hundred people who stated Coinbase did the same thing to their account, some people have been locked out of their accounts cein 2019 & there's no response from Coinbase at all. I tried to look up their employees on XXXX, it states there are over 1000 employees so I'm not sure why no one is getting back to us. There is also no physical address or phone number for Coinbase. they're definitely running some type of scam, as i have no access to my money, i don't know how much is in there as I purchased multiple cryptocurrency. I'm about to close that bank account & need to get my money back from them ASAP. XXXX is no longer hosting personal accounts in the USA, so I need to close that account ASAP but i can't do that while my money is stuck in Coinbase. I have several emails to correspond with my complaint, please advise and help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
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: Account status incorrect

Complaint:
I have notified all 3 credit reporting companies that I have filed for XXXX XXXX due to the school I attended was closed on fraud charges. Since they closed all students were given the chance to file for XXXX XXXX. I filed in 2016 and have been waiting on US department of education to make a decision, due to it taking over 4 years there is a class action lawsuit in the supreme court I am actively a member of said class action lawsuit. Manriquez v. DeVos ( No. 3:17-cv-7210-SK ), a case that is currently stayed, pending appeal, in the U.S. District Court for the XXXX District of California. When I applied for XXXX XXXX I checked the box to have my loans be placed in forbearance until a decision by the court was made. As I keep an eye on my credit it is still on my credit reports as collection/late payments. I have uploaded documents from US department of education when I dispute these with credit agencies but am ignored. Nothing should be reported to them as a decision has not been made.

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 2021-09-13
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
CITI bank denied application due to unknown reason. Please see copy of attached letter.

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 2021-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contacted Capital One Auto Finance due to this alleged debt they are attempting to collect in which I have disputed electronically, in writing, and orally over the phone and I a, still be told that I am the owner of this debt. In my findings with the information gathered I believe unethical and unfair practices took place with my personal credit information. So I do believe identity theft has taken place and I am to the point where my livelihood is being affected and the safety of my own human life is at risk. Attached are findings and verification of documents. 

Attached will also the alleged account of this debt they are claiming I owe which is an account that was created in fraud through identity theft according to 18 USC 1028

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Subject : Criminal Complaint, Estate Money Theft {$400000.00} Deposition was obtained XX/XX/XXXX at XXXX XXXX XXXX XXXX FL.. 

XXXX XXXX was appointed by XXXX XXXX ( my father ) as executor of his estate via will. XXXX XXXX closed the estate account in Georgia and opened up an estate account in the state of Fl. Wells Fargo XXXX, FL. I requested an annual accounting on several occasions without success. Hired Lawyer. XXXX XXXX estate bank records have been obtained by subpoena. 
XXXX XXXX bank records have been obtained via subpoena. Wells Fargo XXXX, FL.. 

Approximately {$400.00}, XXXX is missing from The XXXX XXXX Estate. XXXX XXXX had 3 seperate accounts with Well 's Fargo XXXX FL.. Transactions clearly show that money from XXXX XXXX Estate was transferred to one of the three XXXX accounts over a period of time in the state of FL. XXXX has been removed as executor. I have been appointed executor by the court. 

XXXX XXXX has yet to provide an accounting and has not been cooperative with this process that began on XX/XX/XXXX. Contempt of court. 

My accountants have created a P & L in regards to XXXX XXXX Estate. 

We are still unaware of where money is or what it was spent on. This is because she refuses to cooperate. 

Any assistance would be greatly appreciated.

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 2022-01-18
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was already was paid with payments to commenity bank/ Victoria secrets. I can No longer log into the old account. Original account was opened XX/XX/XXXX XXXX and 2 months ago. The account was closed and paid. Now the account has been sold and placed on my credit again under commenity bank showing a false date of XX/XX/XXXX which is incorrect. This account was disputed and removed once before with the cpfb for the same reasons and with XXXX, XXXX and XXXX in XXXX and was removed from my credit. Now Im showing the same credit company twice on my credit report. This should be illegal to sell your info after a creditor is paid and had to remove due to this falsified information before.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
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: Reporting company used your report improperly

Complaint:
I previously submitted a complaint and the respoSne I received was that it appears that someone else or third party submitted the complaint and you were closing it. 
I AM SUBMITTING THIS COMPLAINT ON BEHALF OF MYSELF AND NO THIRD PARTY IS INVOLVED. 
AGAIN, I AM RESUBMITTING A SECOND COMPLAINT ON MY OWN BEHALF I DID NOT AUTHORIZE CONSENT NOR BENEFIT FROM THE ITEMS LISTED IN MY SUPPORTING DOCUMENTATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
THE DISPUTED ITEMS HAVE BEEN DISMISSED AND SHOULD NOT HAVE APPEARED ON MY CREDIT REPORT. PLEASE RE-INVESTIGATE AND HAVE THE DEROGATORY ITEM OFF MY CREDIT.

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 2021-07-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
My wife was the holder of a United Mileage Plus credit card. She died on XX/XX/2021. I was an authorized user on her account. I had to cancel the account because of her death. I transferred our accumulated frequent flyer miles to my name. 

I applied for a United Gateway Mileage Plus credit card to continue accumulating frequent flyer miles. My application was denied on XX/XX/2021 I wrote a request for reconsideration on XX/XX/2021 and was denied again on XX/XX/2021. I believe the denial was based solely on the change in my marital status because I have excellent credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT 1 LATE PAYMENTS THAT IS NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, ALSP A CHAPTER XXXX LISTING I NEVER FILED. ALSO PREVIOUS ADDRESSES THAT NEED TO BE DELETED, AND 2 EMPLOYERS THAT ARE NOT FACTUAL THAT NEED TO BE DELETED. A LETTER OF EXPLANATION IS ENCLOSED THIS IS THE 3RD TIME I AM SUBMITTING THIS ONMY OWN ANDEITHER THE CFPB OR TRANSUNION SAID IT IS NOT FROM ME IT IS JUST A STALL TACTIC SO PLEASE RE SUBMIT THIS AND DO YOUR JOBS

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
Hello but my Social Security has been used in afraid scandal.. and stock I bout with my XXXX  XXXX  card years ago have funds beyond image help me to help u ....

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: Experian Information Solutions Inc.
State: AZ
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 am a victim of identity theft. The following accounts are fraudulent, unauthorized and dont belong to me : XXXX XXXX XXXX, XXXX XXXX and XXXX/XXXX XXXX XXXX, with a balance of {$420.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-28
Company: Riverwalk Financial Corporation
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DEVILLE ASSET MANAGEMENT XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX is trying to collect a debt on behalf of XXXX. I do not owe this debt. They refuse to listen to me regarding this. The amount they say I owe is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Freedom Mortgage Company
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My mortgage servicing was transferred XX/XX/2020 to Freedom Mortgage. On XX/XX/XXXX, I was contacted by my current new servicer about an FHA streamline refinance. I explained to the loan officer I was actually interested in a Conventional mortgage loan, I got a call from them the following day and began the process. I was in touch with my loan officer that day and the day after submitting all supporting documents. I submitted absolutely every document necessary.

Days and weeks went by and no response from the loan officer. I called, I left voice messages, I also sent emails all to which I received absolutely no response.

The appraiser contacts me, comes out, and I even get the appraisal report.

Eventually, two months after submitting my application, I get a clear to close. I reach out again. Time after time and to a few different people. Someone finally calls my back but isnt a licensed loan officer, therefore he can not speak with me regarding other options. I express how frustrating it has been to not heard from my loan officer for over two months because I have questions regarding the loans and express I may need to cancel due to the lack of communication. A call from the loan officer is promised.

The loan officer still doesnt call.

I reach out again, days and time after time. I finally get a hold of someone, again I express how frustrating the process has been and ask to be transferred to another loan officer. I am promised a call back.

The following day, I receive a notice of cancelation via email. The processor working on my file, canceled my application without absolutely no consent. I tried calling and no response. I try to escalate the issue and I cant seem to be able to speak to management about the application that was unlawfully canceled on my behalf that I gave absolutely no consent on.

I get a new loan officer to call me this person is wanting to start the process all over again. He is also now offering me a much larger interest rate than what I had locked.

I struggled for months trying to get a hold of my originator. Then, the unlawfully cancel my application without my consent to offer me a much larger rate. I feel violated and scammed.

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 2020-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
There is an account with XXXX  on my credit report that I have no knowledge of. Amount is over XXXX . It does not belong to 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 2021-12-06
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: EQUIFAX, INC.
State: NY
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:
To whom it may concern, I asked you to disclose your method of verification on the alleged bankruptcy you are reporting. You then replied to me claiming that the bankruptcy was verified by XXXX XXXX AND THE Bankruptcy Court Appalled by that information, I went directly to XXXX XXXX AND THE Bankruptcy Court and in response to my inquiry they claim to have never verified this item with you. This would mean this bankruptcy is by law considered UNVERIFIED. 

I AM AWARE, THE FCRA STATES THE FOLLOWING : A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. 

I have enclosed their letters for your inspection. Please DELETE this item from my credit report as it is NOT verified! ( US BANKRUPTCY- XXXX ) The OCR and XXXX XXXX VERIFYING THIS INFO IS NOT RECOGNIZED AS PROPER VALIDATION! 

Please send me an updated copy of my report once the bankruptcy is DELETED. 

Best regard, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: JPMORGAN CHASE & CO.
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:
CHASE CARD XXXX XX/XX/XXXX {$0.00} XX/XX/XXXXCHARGE-OFF {$8700.00} This account was reported back on XX/XX/XXXX, yet it still shows as a negative on my credit report. Also, when I worked this out with this company they advised me that there would be NO negative credit reporting as I paid a portion of the balance. This negative entry should be removed immediately ( see attached letter dated XX/XX/XXXX ). I previously filed a Complaint in connection with this ( Complaint No. XXXX ), and the company responded. However, I just received the attached correspondence and settlement check for a lawsuit against the settling agent dated XX/XX/XXXX. Clearly I was the victim of a fraudulent scheme by this company and I would ask that Chase correct my credit report to state that I settled this debt, as it was my understanding that I had done so. This is a negative item on my report through no fault of my own. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: Experian Information Solutions Inc.
State: NY
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:
To whom it may concern, I asked you to disclose your method of verification on the alleged bankruptcy you are reporting. You then replied to me claiming that the bankruptcy was verified by XXXX XXXX AND THE Bankruptcy Court Appalled by that information, I went directly to XXXX XXXX AND THE Bankruptcy Court and in response to my inquiry they claim to have never verified this item with you. This would mean this bankruptcy is by law considered UNVERIFIED. 

I AM AWARE, THE FCRA STATES THE FOLLOWING : A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. 

I have enclosed their letters for your inspection. Please DELETE this item from my credit report as it is NOT verified! ( US BANKRUPTCY- XXXX ) The OCR and XXXX XXXX VERIFYING THIS INFO IS NOT RECOGNIZED AS PROPER VALIDATION! 

Please send me an updated copy of my report once the bankruptcy is DELETED. 

Best regard, 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