BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 I reached out to the credit reporting agency to dispute the inaccurate accounts, and unfair reporting of personal private information. These accounts are no showing in all 3 reporting agencies and or the amount due are different along with the time of the accounts. This unfair reporting is causing me and my children financial problems, I am unable to obtain a home due to these reports, and they are damaging to my character.

15 USC 1681 section 602 A States I have the right to privacy, it also states a consumer agency can not furnish a account without my written instructions 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate 15 USC 1681c ( a ) ( 5 ) section states ; No consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which end dates by more than 7 years These are the accounts that I am referring to ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-09
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
in XXXX, I received a letter dated XX/XX/XXXX, which stated that Nation Star DBA Mr.Cooper entered into class action settlement agreement with the Consumer Financial Protection Bureau. In XXXX of XXXX i informed them that i didn't receive the redress check promised in the letter. I was informed that the redress check in the amount {$3200.00} dated XX/XX/XXXX was issued to me and if i didn't receive it I had to wait 180 days from the issue date to receive a replacement. at the end of the 6 months i contacted them Nation Star who then informed me that i will have to wait another 60 days. At the end of the sixty days which was XX/XX/XXXX i contacted them again only to be informed by a phone rep that there is no record yet of a check being issued to me and he will send a request to acceleration. I again contacted them today XX/XX/XXXX and was told by representative, XXXX that they are still awaiting an answer from acceleration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

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 2023-02-16
Company: FC HoldCo LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I recently have been placed on XXXX from my current employer due to a XXXX XXXX I sustained from an accident in which I wasnt at fault. My company doesnt allow light duty so Im unable to work. I contacted Flagship credit acceptance in advance to give them notice that I have a lost of income. The representative i spoke to informed me that I can be placed on loan modification and I would just would have to do a verbal acknowledgement of the terms in the conditions form over the phone. Upon completing this process she indicated that someone from the company will call and email me to finalize the process within 48 hours. I received no phone call for about 4 days or email indicating what the next steps would be. I then contacted flagship to follow up with them it was then that they informed me that Im not elidlgible for the modification and suggested that I ask a family member for the full balance. I let them know that I wouldnt be able to do that and I just need help until I get everything figured out because I still have rent to pay.The rep told me that they are not a mortgage company they work for flagship. I asks for a supervisor to call me and i have not received that call. They continue to call me from different numbers and unknown phone numbers even after i gave them a date that I would follow up and the rep indicated that they would put it in the system. All the reps have been harsh. There was even gap insurance placed on my contract that i didnt authorize from the dealership. I feel like Im being robbed and the balance is never going to go down. I feel like my balance is also inaccurate.

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 2022-10-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX while at work I received a notification from chase that {$2500.00} had been moved from the savings account to the checking account and withdrawn via check. Within a few minutes I called chase to open a claim and make an appointment to meet a representative and change my security credentials. I was told my debit card was used as the only proof for the withdrawal this debit card was a replacement sent by mail that I never received. A few days later I went to chase to change my pin and close my savings account and have a new one. My first claim was denied due to lack of documents, s I reopened it and provided a police report as well as a sworn notarized affidavit. I thought after this my money would be refunded but it was denied on the grounds that the chase where the withdrawal happened was in my geological location, which did not make sense since this chase was a small booth in a supermarket 2 hours upstate. I later visited this chase to try to get access to their security footage but was not able to. I have tried to appeal the claim multiple times but after faxing the documents to chase I am told they did not receive them time and time and I feel they simply do not want to help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-11
Company: Upstart Holdings, 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:
INQUIRIES THAT I DID NOT AUTHORIZE BELOW : - XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  - - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX - XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX - XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX - XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX - XXXX  - - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX - XXXX XXXX  - Inquiry date : XX/XX/XXXX ** I have NEVER gave signed authorization to any of these companies to have access to my credit report and get an inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: TD BANK US HOLDING COMPANY
State: GA
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:
In accordance with the Fair Credit Reporting Act TD Bank USA/ Target Credit XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
An account is reporting to my credit profile that is NOT linked to me. The collection agency informed me that the account was opened under a business that I am NOT linked to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
XX/XX/2018 XXXX XXXX XXXX XXXX I have a gift card that was supposed to be XXXX dollars but it says that XXXX dollars only has a balance XXXX cents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Frontline Asset Strategies, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2022, XXXX XXXX XXXX ( caretaker and brother of the named alleged debtor ) died ... .After his death, XXXX XXXX XXXX XXXX getting bills for debts she did not know were made. Loans, Credit cards, bank deductions. The decased was in a position to tak advantage of me. I trusted him totally and he would take care of my bills. This creditor was notified of the fraud, XXXX - the police dept. will not provide a copy of the report. The deceased brother took money out of a bank account associated with this credit card without my knowledge and also opened up a credit card on this bank in the name of XXXX XXXX XXXX. If there was a signature it was was forged when the account was opened. Alleged Debtor is XXXX, was a victim of fraud. XXXX has been notified by email and documentation provided, but refuses to accept that this is fraud. Sent letters providing this information. They are denying the claim of fraud, although we have provided proof - and XXXX XXXX was not authorized on the bank account or was the credit card associated with this accout requested by me ... The bank let XXXX XXXX remove funds without my permission and opened an account without my permission. I have repeatedly told them this- now they have turned this over again, to collection. This is a fraud with charges made by a deceased party for things I did not know or receive or approve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I had this amount of XXXX USDT in my Coinbase wallet as of XX/XX/XXXX. 

I am reaching out for help for an injustice caused to me. Many other people have been affected by this company. 

More than $ XXXX ( XXXX USDT ) was drained from my account @ Coinbase on XX/XX/XXXX. I have been following up with Coinbase but to date, nobody has called me from their side and their customer representatives keep saying they are escalating this. 

Before that disastrous event 1. After chancing on links that Coinbase balances were being drained, I tried to move money out of the Coinbase wallet multiple times which I couldnt on XX/XX/XXXX evening. I called up Coinbase and told them I couldnt move my money out. 
2. I then requested Coinbase to freeze my account which they said they could, but then said they would not as they did not see any fraud. 

Imagine my surprise that within XXXX hours after my call I find that my money missing early XX/XX/XXXX. Was this drained from their side? The timing is very suspicious. 

Since then I have not been successful in talking to the right person in Coinbase in resolving the missing XXXX USDT vanished from my Coinbase wallet. In spite of my requests, nobody from Coinbase has called me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: EQUIFAX, INC.
State: FL
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:
XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX, Fl XXXX UNAUTHORIZED USE OF CREDIT REPORT After reviewing my credit report. Ive noticed Equifax is reporting false and misleading information on my credit report. Ive sent in dispute letters which are attached below, they contain multiple violations and Im just wondering how theyre even able to report anything without my consent let alone obtain, furnish, and report completely false and inaccurate information. I've even called quite a few times stating the violations and was given the response that their was nothing that they could do about it.This is completely against the law, their violating my rights as a consumer. No Im no attorney, but I know my rights. We the consumer must ensure the reporting agencies abide by the law, and hold them accountable of their responsibilities in maintaining 100 percent accurate information and fairness for the right to consumer privacy. the accounts listed in the letters below must be deleted promptly. 

Best Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: GMS Holdings, 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: Account status incorrect

Complaint:
As of XX/XX/XXXX, I had a XXXX credit score of XXXX. On XX/XX/XXXX, my credit score dropped to XXXX, due to XXXX, XXXX, XXXX XXXX XXXX fraudulently reporting an open collection account dated XX/XX/XXXX, with XXXX XXXX. I filed a Chap. XXXX bankruptcy which was discharged XX/XX/XXXX. XXXX XXXX, XXXX ( XXXX XXXX ) was part of the bankruptcy. I contacted XXXX and XXXX, XXXX, XXXX XXXX XXXX. and telephonically disputed this erroneous account. I then mailed them a copy of my discharged bankruptcy documents showing that XXXX XXXX was a part of my bankruptcy. Between XX/XX/XXXX and XX/XX/XXXX, XXXX removed the disputed collection account from my credit report, but they did not restore the full 97 points that they took away from me as a result of XXXX reporting this fraudulent open collection information to XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am a single mother of XXXX children under the age of XXXX. 

I had signed a new contract with XXXX XXXX XXXX XXXX on XX/XX/2020, due to a separation divorce on my end. 

On XX/XX/XXXX, two weeks after signing the contract, I reached the office in person, spoke with their assistant manager, surrounded the apartment, gave them back the apartment keys. Also, I explained that my current self-employee job and workplace were being shut down and closed due to COVID-19 until further notice ( letter received from my workplace/ the landlord was on XX/XX/XXXX ). 

I informed them that due to the uncertainty of the current global situation, I would surrender the apartment because of job loss and hardship. On XX/XX/XXXX, I received their final " Move-out '' statement dating the " cancellation charge date as of XX/XX/2020 '' and the move-out date " XX/XX/2020, '' with an outrageous final charge of {$6900.00}. 

I had called them several times to speak to the manager in charge, not the assistant manager ; it was denied, according to them, because the case was closed and on the way to collections. 

On XX/XX/XXXX, XXXX, I sent an email to their local and corporate office asking them to have these charges removed in good faith and stop the collection process because of the COVID-19 PANDEMIC situation, me not being in the apartment, not even a month under the contract.

Also, I informed them that the contract stated that violates the spirit of the force majeure clause of the agreement ( Due to an unforeseen- CORONA-19 virus ). And, it also is unconscionable during this unprecedented pandemic. 

No responce from them, or corporate. Now my credit is ruined. I am unable to rent anywhere else because of the collection debt on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: SUNRISE CREDIT SERVICES, INC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To whom it may concern : I don't understand how you just reported something on MY credit report without my knowledge, and I would like you to remove it immediately. Also, I would like evidence of the following : Provide a breakdown of fees, including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until the debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in my state. 
Send this information to my email and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA.

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 2022-02-09
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased a condo in XXXX XXXX, Florida for approximately $ XXXX and closed on the sale on XX/XX/XXXX. Once XXXX XXXX XXXX  ( my original lender ) sold the loan to Amerihome Mortgage, I almost immediate had repeated problems with Amerihome Mortgage ( listed XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX ). Amerihome held this mortgage from XX/XX/XXXX until pay off on XX/XX/XXXX. 

Amerihome insisted on purchasing additional flood insurance on my behalf, despite having a HOA flood policy in excess of {$1.00} Million and a personal flood policy I purchased separately. I provided documentation of both these policies to Amerihome on several occasions, and despite repeated requests to speak to someone in their insurance department, they insisted that my flood insurance coverage was insufficient. In XX/XX/XXXX, they purchased additional flood insurance " on my behalf '' for an annual premium amount of approximately {$550.00}. They rolled that cost into the loan payoff amount and are now refusing to refund any of that annual premium amount, despite my having owned the condo for barely 4 months ( from XX/XX/XXXX through XX/XX/XXXX ). 

Please help me obtain the refund I am due. In my opinion, Amerihome 's practices are deceptive. They repeatedly refused to connect me with anyone in their insurance department who could give me the reasoning why a {$1.00} million dollar flood policy was insufficient and what the justification was for buying flood coverage in excess of that and the personal flood policy I carried.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the application process

Complaint:
During the loan restructure process, Wells Fargo foreclosure department took over and foreclosed on my home. This occurred in 2003. My home was sold for approximately {$120000.00}. It was a five-bedroom three bath home less than a mile from a country club, churches, schools and shopping!! 
I tried to tell the foreclosure department that I was working with their loan department, but they ignored my argument and proceeded to foreclose on my home, even thought I had letters agreeing to my restructure loan. 
Unfortunately, these letters have been lost due to subsequent multiple moves and resultant divorce. 
I apologize for the delay in filing this complaint, but things were hectic after the foreclosures with several moves, the divorce and my eventual leaving of Missouri to Texas and now Florida for medical reasons.

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 2023-06-07
Company: Block, Inc.
State: FL
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:
A Cash App customer service agent maliciously attacked my account, disabled, my cash app card before the phone call. My account was fine. The agent was upset that I was irate on the phone and disabled my card. They also access my account without my knowledge or consent I was calling in about a deposit that was held on my card from a hotel

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Experian Information Solutions Inc.
State: NJ
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, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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