BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong addresses that do not belong to me. 
There are late payments and other accounts that are reported late that are not true. 
I see an accounts that 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 2018-03-22
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax confirmation # XXXX investigation results dated XX/XX/XXXX stated that the disputed public record was not reporting on my credit file. I'd previously sent many certified letters with documented proof that this was an erroneous and unverified public record by purchased from 3rd parties. I then requested a copy of my full credit file so I can see proof that the record was indeed removed and instead I get a full reversal of the investigation with no valid reason why in Equifax confirmation # XXXX dated XX/XX/XXXX stating they will keep the erroneous, unverified public record damaging my credit rating for 10 years. 

I know for a fact that Equifax has not verified this public records because I called the Court house and received a written statement that this information was never transmitted to Equifax or anyone else. I also know that Equifax has not verified this information form XXXX XXXX because 1 ) I've have an identity theft/breach freeze on the account since XX/XX/XXXX and 2 ) XXXX XXXX is a 3rd party vendor that sells data to reporting agencies and do not have the ability to verify or validate the accuracy of the information under any circumstances. 

So before I escalate this continuous issue with Equifax to small claims court seeking no less than {$5000.00} in damages I am raising this issue via CFPB and the Federal Trade Commission so my FRCA rights can stop being violated. I have attached the documented proof from the Clerk of Court, and responses by Equifax showing the conflict and total reversal in the investigation results. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 

I personally spoke with the Clerk of Courts office and they are willing to testify in court to these facts as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I pay a card fee for my chase sapphire preferred card because it provides purchase protection up to {$500.00}. When selecting credit cards I had many options, it was this advertised purchase protection that made the chase card stand out to me and was one of the main reasons I selected it. 

The purchase protection is run by a 3rd party XXXX XXXX XXXX ( XXXX ). Their negligence in completing my claim has resulted in me making over 12 calls over 7 months ( their websites claims to complete claims in 5 days ). The incompetence of the staff at XXXX results in them not being able to providing a service that I paid for, this is theft. The amount of calls I have had to make and invest my personal time results in reduced productivity at work, not to mention the personal stress this is causing. 

On XX/XX/XXXX I made a claim. XXXX promotes that it takes 5 days to file a claim and received a confirmation email XXXX attached ). 

On XX/XX/XXXX I moved and updated my address with Chase. 

On XX/XX/XXXX I had not heard anything so I called XXXX to see if they needed more information or anything? I called once in the morning and spoke with a representative named XXXX and once in the afternoon with a representative named XXXX. The calim was ruled in my favor for the full value of {$500.00}. They said they had everything they needed and the reasons that it took longer than 5 days was an internal hang up. They assured me the check was on its way. 

On XX/XX/XXXX. I still hadn't seen the check so I called again. They had sent it to the old address. Note that I updated my address with Chase. Its not my responsibility to call each and everyone of their 3rd party contractors to update my personal information. Therefore, XXXX 's excuse that they had the wrong address on file is not valid. Specifically since the claim should have been handled in the time between I filed it and when I moved. So I gave them the updated address and they assured me it was on its way. 

On XX/XX/XXXX I still had not seen the check so I called. 

On XX/XX/XXXX I called and still had not seen the check. 

On XX/XX/XXXX I called twice because I still had not seen the check On XX/XX/XXXX I called again. They assured me it would be handled that day and I would revive an email. I have not heard anything. 

I am fed up. I believe I have done my part, provided the information they requested. They need to be held accountable to ( 1 ) pay me ( 2 ) refund my card fees since they were not able to deliver services we agreed on ( 3 ) be investigated for theft. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
remove fraud alert from credit file XXXX  Transunon XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: EQUIFAX, INC.
State: CA
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:
This complaint is regarding Violation of verification and reporting of installment account XXXX XXXX XXXX XXXX account # XXXX   date opened XX/XX/XXXX, XXXX XXXX account # XXXX  date opened XX/XX/XXXX, XXXX account # XXXX  date opened XX/XX/XXXX, XXXX XXXX XXXX accoun t # XXXX date opened XX/XX/XXXX, Negative items ( installment, revolving ) on my credit report ( s ), where I personally contacted the creditors and they could not locate any accounts under my name. I was also informed by them that that they do not verify or provide information to the to 3 party credit reporting agencies. How is it possible Equifax is reporting negative account information account? Your assistance is greatly appreciated.

Out 3 CRA only Equifax is the one that is reporting these accounts on my consumer credit report, not my account/ never had account with XXXX XXXX XXXX XXXX , XXXX XXXX , XXXX, XXXX XXXX XXXX , incorrect " XXXX '' data and violates FCRA provision 605,607,611 and 623a I have also submitted a complaint with Federal Trade Commission and forwarded this information to my attorney to file a lawsuit against Equifax for reporting wrong information and damaging my credit rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-11
Company: Coinbase, Inc.
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have been purchasing crypto on Coinbase pro since around XX/XX/2021. My investment total should be well over {$8000.00}. My portfolio is not showing the right balance.. I reached out to there support and they have not tried to rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
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:
I was recently made aware of a derogatory account on my credit report from a XXXX bill with XXXX XXXX owed by my ex-wife. I sent XXXX XXXX supporting documentation that I had not lived at the service address since XXXX and that I had never received a bill for the amount in question. I also filed disputes with both Experian and XXXX to no avail. I contacted XXXX directly and did pay the amount due. XXXX refused to remove the item from my credit report. My unblemished credit report went down by XXXX points due to a debt that I was not aware of.

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 2021-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  XXXX XXXX  account XXXX is inaccurately reporting information to the credit bureaus. A letter was sent to the 3 major credit bureaus requesting that that verify the tradeline XXXX XXXX XXXX  was reporting. The investigation came back as accurate. I have no idea how this is possible. 

1st. The high balance is different on every report. TransUnion is reporting a high balance of {$460.00}, while XXXX  & XXXX isnt reporting a high balance at all. How can the tradeline be valid if its not reporting the same with every bureau. 

2. The date of last activity is different on every report. TransUnion has a XX/XX/XXXX date of last activity. XXXX  has a XX/XX/XXXX date of last activity & XXXX  has a XX/XX/XXXX date of last activity. Again, how can XXXX be reporting accurately if its not reporting the same with all 3 bureaus. 

3. The payment history is different with every bureau. XXXX  shows that the account was charged off in XX/XX/XXXX but then shows payments from XXXX but then shows charge offs XX/XX/XXXX & XX/XX/XXXX. How is this even possible?? If the account charged off in XX/XX/XXXX how are payments able to be made in XX/XX/XXXX all the way to XXXX of XXXX? Makes no sense. XXXX  doesnt even have a charge off reporting and TransUnion doesnt have any payments reporting at all. 

Theres no way XXXX XXXX XXXX can truly say they are we reporting accurately when EVERYTHING is different on each credit bureaus. Im demanding that the entire tradeline be 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 2021-02-02
Company: Mr. Cooper Group Inc.
State: WI
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company has been attempting to collect on this debt for nearly 11 years now. I had a 2nd Mortgage with XXXX XXXX XXXX, which became Nationstar Mortgage. This company apparently collects for them. They have been continually sending correspondence offering settlement amounts, below what the full balance is, with incredibly short deadlines, like 2-3 weeks. When you call with " cash in hand '' to try and take advantage of the last offer, they always advise, that the offer was no longer good and say you have to pay the full amount of {$7800.00}. But in one of the calls, they learned that my home is nearly paid off and as a result have not been willing to take any sort of settlement. They allegedly sent a letter in XX/XX/XXXX, advising they were now going to be charging interest, going back to the time they obtained they loan I never received such correspondence ). In XXXX of XXXX, we received an offer letter for {$1500.00} ish off the full amount of the loan of {$7800.00}. MY wife and i decided to try and take advantage of this and started to refinance our mortgage, so we could do this. The load was not completed in time, due to questions on lien holders on the house. Long story short, when I contacted XXXX in XX/XX/XXXX, to ask for a payoff letter, I was expecting to get on showing the {$7800.00}, but instead they sent a pay off amount of {$13000.00}. Once again, when I am able to give them a payment, based on a letter they sent with an offer, they moved the marker again. I feel they are not acting in good faith to settle/collect on this debt in an ethical manner, as they keep changing the amount they want every time I have called over the years to pay them. They have never sent any notification of any other amount owed other than {$7800.00}, until I ask for a payoff, to change my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have two accounts with American Express ( see attached documents ) for over 10 years. Many years we have had a good relationship with each other. I have never had a late payment with them.

I got sick with the virus. Afterward, I went back to work and soon lose my job because of the Corona virus. I called the credit company and tried to keep them updated on my situations at least twice per month. It has been 9 weeks since I applied for unemployment in XXXX. I am still waiting to receive my unemployment money. 

The customer service people was not helpful or pleasant at all with my present hardship. I was told that there was no " Hardship program '', or help that they could give me to meet my present budget, lower my interest rate, or remove the high monthly late fee. My credit card was closed recently, and I am still trying to work something out with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My complaint against Portfolio Recover Associates ( PRA ) is based on their inability or flat-out refusal to provide the original TERMS of my XXXX XXXX Credit Card # XXXX. I have disputed the amount owed since the very first phone call with PRA. PRA has stated over a dozen times that they have received all available documents pertaining to my account. They have only provided random statements and agreement. Any and all phone calls with PRA were recorded and available. The TERMS are included in the welcome package along with the Agreement and new credit card. The TERMS are specific to a borrower and will vary based on the borrowers credit profile. The Agreement is  a universal document that can easily found on the internet. The TERMS come in two pages and consist of the following : Credit Limit, APR for Purchases, APR for Cash Advances, APR for transfers, Penalty APR when it applies, Paying interest, Minimum interest charge, Annual fee, Transaction fee, and Penalty fee. The Agreement does not have any information specific to the borrower. It is my understanding after reading the CFPB procedures required by debt collectors, that one of many things a debt collector must do when purchasing debt from another party is to validate the amount due and determine whether any fees charged were permitted by contract with the original creditor. Question Onewithout having the Original TERMS to my specific XXXX XXXX account, how are you able to confirm that the balance youre trying to collect? Question TwoIve attached the XXXX XXXX statement with a closing date of XXXX which was 3 months prior to the charge-off. The statement includes total fees for XXXX of {$180.00}, can you confirm with 100 % certainty that all fees charged in XXXX were as-agreed to by XXXX XXXX when they extended credit? How about the {$58.00} in fees charged in XXXX? Question ThreeWhy would XXXX XXXX refuse to let PRA provide me with my Original Terms and Agreement? On XXXX I had a phone conversation with XXXX from PRAs dispute department. On a recorded line she clearly stated that XXXX XXXX didnt want PRA to send me my Original Terms and Agreement, why would they do that?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX Copy to : NewRez LLC NewRez LLC XXXX XXXX XXXX ITS Successors and/or Assigns XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : XXXX XXXX Loan XXXX XXXX ( Loan transferred to NewRez XX/XX/XXXX ) Property Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Forced Placed Excess Flood Insurance XXXX To Whom It May Concern : XXXX XXXX forced placed {$130000.00} of excess flood insurance, issued XX/XX/XXXX, effective XX/XX/XXXX to XX/XX/XXXX ( copy attached ). 

XXXX XXXX has historically waived the excess flood insurance requirement, because individual XXXX  insurance for our condo building is not available. 

Regardless, the forced placed excess flood insurance for the full current XXXX  amount of {$130000.00} is NOT appropriate, because the condo building already has {>= $1,000,000} of existing private+XXXX insurance ( copy attached ). Our units pro rata amount of existing insurance, reflecting the total units of XXXX in both the south and north towers is therefore XXXX  XXXX {$65000.00} Therefore, it is our position that excess flood insurance should not be required since the XXXX will not insure the individual unit. And, regardless, our excess flood insurance amount if required should be the maximum of the XXXX MINUS {$65000.00} ( for XXXX as of placement date therefore {$130000.00} - {$65000.00} = {$68000.00} of potential excess flood insurance required ). 


I look forward to hearing your response to the above after reviewing the attached documents.

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 2019-04-17
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
My complaint is towards Commenity Bank. I have been working with a debt settlement company and I had notified Commenity Bank of this fact when they first began calling about my delinquent account in XX/XX/XXXX. Today, XX/XX/XXXX between XXXX EST and XXXX EST, Commenity Bank has contacted my mother, my sister, a friend and my ex husband all informing them I have a delinquent account and I need to contact them right away. My sister and friend have never ever been involved in my finances, ever. I verified that the number they were all called from was Commenity Bank. I then called Commenity bank to receive a reason why they have contacted people never associated with my accounts, they stated that all previous mentioned people and phone numbers were listed on my account. I know for a 100 % fact that this is not true. They of course would not reveal how or when these people were listed on the account. I feel there has to be skeezy events happening behind the scenes someplace on Commentity Banks end in order for them to get this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My mortgage lender tried to pull all three credit reports, but Equifax was the only one they had problems with. They were unable to pull a report from Equifax. I attempted to call Equifax multiple times to speak to multiple different agents, all of them not only were difficult to understand but also were unable to provide any useful information about my account to me even after answering name, social security number, address, date of birth, loan histories, credit card accounts about myself. Their only proposal was for me to physically mail in personal identifying documents, quoting that it would take up to 2-3 weeks to finalize my identity and provide any useful information and a copy of my credit report. This is an unacceptable time frame for resolving any problems in the 21st century, and I may not be able to purchase our home because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: SUNTRUST BANKS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/2018 I made a {$87.00} purchase with a Suntrust rewards credit card that was eligible for an activated Suntrust deal for 20 % cash back on a purchase from XXXX XXXX. 
On XX/XX/XXXX I had not received my rewards and I contacted Suntrust to inquire about the status of my rewards. I was told to wait 6-8 weeks for the reward to be deposited. ( I was not told whether the Suntrust deal was earned or not ) On XX/XX/XXXX I contacted Suntrust again with the same issue of not receiving my rewards. I was told an investigation was opening on the issue. I received no further communication from Suntrust. 
On XX/XX/XXXX I contacted Suntrust customer service to inquire about the investigation. After 2 hours speaking with customer service, I was told the results of the investigation were that I had not received the Suntrust deal, despite meeting all the necessary requirements to earn the rewards. I was told that there is a 90 day window to dispute unearned Suntrust deals, starting from the last day of the deal 's eligibility. This information was not readily available when researching Suntrust deals. Multiple customer service representatives were unaware of this 90 window which lead to the 2 hour long call with multiple representative transfers. 
The end result was that I did not receive a Suntrust deal reward that was advertised because the Suntrust deal online banking system did not properly accept my eligibility and the support department failed to properly notify me of the status of my Suntrust deals and the available steps I could take to dispute them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief