BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 sent a letter to XXXX, XXXX  and TransUnion on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been almost 5 months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been almost 150 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.

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 2021-04-02
Company: EQUIFAX, INC.
State: IL
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've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Orig Creditor : XXXX XXXX  ) XXXX XXXX XXXX -XXXXXXXXXXXXX****

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The lender has failed to respond to our QWR and Notice of error request sent onXX/XX/XXXXand are proceeding to sale set for XX/XX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX  XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this issue however, I have not been successful.

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 2021-04-03
Company: BARCLAYS BANK DELAWARE
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:
I already reached out to the credit bureaus and to XXXX for the account number XXXX and notify them of their error posting for this account on my credit report. It does not compliment what the Credit bureaus XXXX claim as a " validated as accurate ''., and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. 
I had also requested the method of verification, actual proof, physical first-hand documentation of the payment history, and proof of last payment but I did not receive what I asked for and these violations persist on my credit report. I just had to escalate to CFPB.

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 2018-04-06
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
XX/XX/XXXX I began to see unauthorized charges from XXXX come out of my account so I called to discuss it with someone by the name of XXXX. She proceeded to basically tell me there was nothing I could do about it until my account was brought out of the negative. So I then asked her to close my account and I would pay the negative balance and dispute later. She advised she could close my account but if XXXX continued to try to charge whatever they were charging it would open back up and they would continue to allow the charges to go through and charge me {$38.00} in NSF fees for each charge. I called numerous times after this in attempts to salvage my account but with all the NSF fees I could no longer afford to. There was no assistance disputing anything, no flag put on my account or anything. I ended up opening an account with the bank I work with now and waited for some type of collection activity to take place so I could dispute it, which never happened. Fast forward to XX/XX/XXXX I had to face compass again because my income tax check was sent to them in error. I attempted to call and explain what happened and was told to go to a branch to discuss it. Went to the branch to discuss it on XXXX and was told they were going to keep my income tax money and that the only thing I could do was file a police report for the invalid XXXX charges and they don't know what will happen after that. So still a year later and no resolution. I had my account in good standings with this company for 10 plus years and this is the treatment I recieved. They've done this to numerous individuals even some I know personally. This company needs to be addressed for their deceptive and unfair treatment of their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-26
Company: Coinbase, Inc.
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello, I have not been able to access my Coinbase account holding my bitcoin/XXXX pounds held there. 
It will not me log in despite knowing full well my password & e.mail details are correct. 

Upon pressing OK a pop up tells me that my account has been locked and visit Coinbase.com to resolve I have done so, they create a case number when you submit whereby you have no choice to select their drop box reasons as to the problem which therefore isnt specific to find out by themselves as to why my account has actually been locked in the first place. 
Upon submission of managing to loosely tell them that my account wont let me in I received a confirmation with as mentioned above, a case no. from them and a brief answer that says that they are looking into it and say they will be getting in touch with myself within 72hrs. 
I have since sent a day later a query regarding support about changing my password as it does mention about changing a password too. 
When you try to do this, you dont get that option ... .You receive this below : - PASTED BY MUSELF : - Coinbase Account Recovery Complete the following steps to recover your account. 
INFORMATION ID VERIFICATION OVERVIEW We have received your account recovery request. After reviewing it, your account changes should be active within 48-72 hours. 


With absolutely no direct contact with this company that has MY money in, then I aswell as the majority of people, would be annoyed surely? They have my money which as it stands right now is theft! 
I have not been given any reassurance from this company other than the Pasted attachment above. The reviews I have read say that they have waited well over a month for issues exactly the same and similar ones and STILL have had no response despite contacting them over and over!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Williams, Rush & Associates, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection showed up in my credit report. I have no knowledge of this account. I send the collection agency certified letters requesting validation of the debt on XX/XX/21, XX/XX/21. The collection agency has not answered any of my requests. I requested validation from XXXX. XXXX stated that the debt was validated by the collection agency. I have not received any validation from the collection agency or XXXX. The collection agency violated the 30 day rule to provide proof of ownership.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: TRIAD FINANCIAL SERVICES, INC.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX my husband and I went into a mobile home park to apply for a mobile home that we viewed and liked. We put in an application. We were told it would take 24 to 48 hours before we either got approved or denied. Triad Financial pulled our credit on XX/XX/XXXX1. I called Triad on XX/XX/XXXX to find out the status since we had not heard anything. The rude lady who answered the phone said that nothing had been worked. There were not any notes on the account and that it could be up to 92 hours from the time they started working on it. I advised her that our credit was pulled a few days before. She said there was nothing she could do. As of the date of this complaint, we have not heard a word. We have not gotten anything in writing by mail or by email. Nothing!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: CL Holdings LLC
State: AL
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 PULLED MY CREDIT IN XX/XX/2020. I DISCOVERED INACCURACIES ON MY CREDIT REPORT I FILLED OUT AN IDENTITY THEFT AFFIDAVIT AND REPORTED THE INCORRECT INFORMATION TO ALL THREE BUREAUS AND CREDIT AGENCIES. THERE HAS BEEN NO RESOLVE TO MY COMPLAINTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX. has sold account to XXXX XXXX XXXXXXXX. This account was paid, and as a result it was removed from my credit reports. However, upon reviewing my reports today I see that it has been reinserted. It is against F.C.R.A. law to reinsert an item without notifying the consumer in writing ... I was not notified, and secondly, it is illegal to attempt to collect a debt twice ... I am appalled and quite discontent with this matter. 

I was informed by XXXX XXXX. that they did not verify this item, and that according to their records it was indeed paid in full quite some time ago. Furthermore, they informed me that it is inclined to be the erroneous e-Oscar verification that the bureaus so often make use of. No contract exist and this inaccurate and false reporting again. Please remove and do not reinsert or litigation will surely follow ...

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 2018-04-06
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a statement from XXXX XXXX about this debt but they haven't provided a contact showing proof of this being my debt. According to the Fair Credit Reporting Act ( hereafter referred to as " FCRA '' ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-14
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XXXX XXXX, XXXX, I successfully placed a security freeze on my XXXX and XXXX  accounts. After 3 attempts I froze my Experian account ( XXXX XXXX, XXXX ) using self-service IVR. Freezing my accounts was in response to XXXX announcing a security breach effecting millions of accounts. I find it unconscionable that I would be charged {$5.00} for freezing my accounts, then {$5.00} to each company when I want to unfreeze accounts.

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 2020-09-11
Company: EQUIFAX, 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:
I HAVE THESE ACCOUNTS ON MY CREDIT REPORT THAT DO NOT BELONG TO ME. I AM A VICTIM OF IDENTITY THEFT. THIS ISNT FAIR FOR THESE ACCOUNTS TO BE ON MY CREDIT REPORT WHEN I NEVER OPENED OR AUTHORIZED ANY OF THESE ACCOUTNS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/XXXX, I successfully placed a security freeze on my XXXX and TransUnion accounts. After 3 attempts I froze my XXXX account ( XX/XX/XXXX ) using self-service IVR. Freezing my accounts was in response to XXXX  announcing a security breach effecting millions of accounts. I find it unconscionable that I would be charged {$5.00} for freezing my accounts, then {$5.00} to each company when I want to unfreeze accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My information was apparently compromised in the Equifax hack. Now, there is no way for me to freeze my credit to prevent identity theft because their phones and their website are down. I need my credit frozen immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 are accounts and other information showing up on my credit report that does NOT belong to me. I've called and sent letters and still no solution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: EQUIFAX, INC.
State: IA
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:
Website waived rights to sue and gave arbitrary answer to if you credit information was compromised

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: BARCLAYS BANK DELAWARE
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:
Hello, My identity was stolen and I've been trying to fix it by talking to the company and credit bureaus with no assistance. XXXX  is fraud, and so is the XXXX XXXX account. If someone could please help remove these fraudulent item from my account that'd be greatly appreciated. This has brought my life to shambles.

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 2020-05-26
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hi Specialized Loan Servicing, LLC The property you are trying to foreclose is my primary residence. 
I am retired. I am XXXX XXXX. XXXX XXXX has suffered substantially due to COVID-19 Pandemic. I have been affected by COVID-19. 
Please obey federal law and stop the foreclosure. 
Please work with me. 
Thank You Very Much.

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 2019-08-28
Company: MARINER FINANCE, LLC
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
i had a loan with personal finance back in XX/XX/2018, also at the time, i was going through a divorce, and a struggling with finance for 6 months time.

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 2018-07-23
Company: WELLS FARGO & COMPANY
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We were applying with Wells Fargo for a mortgage n XXXX ok. The agent said we were approved. The she, XXXX XXXX, took the action under a Wells Fargo to take a personal line of credit or debit card out against our request or knowledge. We were then declined on the mortgage but our credit dropped and we endured personal stress. We were dealt with in bad faith by what appears as fraud. We received a check as a result for {$64.00} from XXXX vs Wells Fargo. As our share of the settlement agreement. We need a fair settlement for being financially abused, defrauded, bad faith, and decline of credit rating. 
It is unsatisfactory that attorneys we did not hire get huge settlements and Wells Fargo pays hundreds of millions while victims get nothing fair

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 2018-04-06
Company: WELLS FARGO & COMPANY
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I was a customer of Wells Fargo bank in XXXX, Mt. XXXX since XX/XX/XXXX or XX/XX/XXXX, checking accounts, bought 3 houses, sold and when I bought the last house owned it for 4 to 5 years, never late on payments, but got real sick, could'nt make payments, so tried to sell & rent it out till I was better, they would not work with me at all, so I had I to get a lawyer to help me, anyways Well Fargo sold the house had no problem selling it. I even payed the them more then my mortgage payments at times and still made payments even when I was'nt living there anymore, so I say between a renter that moved and me still making payments nobody living there got to point I just could do it anymore, so closed all my accounts between XX/XX/XXXX to XX/XX/XXXX?? so obviously I moved out, since then Wells Fargo has sent me a settlement check stating it was for a class action for {$10.00} to {$14.00} dollar, then sent, then sent me a credit card to use which I never asked for with a {$10000.00} credit line which I have never used still have it just filed it just thought it was strange and this was to my new e-mail & address and was sent XX/XX/XXXX sent me a email stating from WFsettlement.com for a XXXX   XXXX lawsuit ..I never deleted so if you need a copy of it let me know..If I got something coming to me that would be great, if not oh well ... confused!! and Thank You for your time, have a great day!!

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 2018-10-10
Company: CONTRACT CALLERS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After reviewing my XXXX credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Contract Callers Inc. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and account was not listed as disputed by consumer nor had I received any correspondence from creditor to validate this account as correctly belonging to me.Credit report was reviewed again on XX/XX/XXXX and the account is still reflecting on my report. When I still lived in Ohio from XX/XX/XXXX-XX/XX/XXXX I attempted contacting XXXX XXXX XXXX directly multiple times and disputed the accuracy of the charges however I never received any response. I do not believe the account in stated amount belongs to me nor that the creditor has authorization to legally attempt to collect on this account and this account continues to negatively affect me.

Company response to consumer: Closed with explanation