BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-14
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: Investigation took more than 30 days

Complaint:
I've filed multiple complaints for fixing incorrect information on my credit report and to date, nothing has been done. XXXX and Trans Union were notified of my dispute against a company attempting to collect a.debt that was XXXX in my bankruptcy of XXXX. The information remains. No explanation has been given but account was notated that a company responded. I've not seen any response. I also requested both agencies update my report to reflect 2 accounts that were settled in XX/XX/XXXX. To date, nothing has been done. The investigation were first reported to be underway in XX/XX/XXXX. This is 3 months later! When will this organization step in? Who is my point of contact? What other options do I have?

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 2019-07-08
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I was called today by man that said he was with this bank and it was a scam. He asked for my mobile banking information like username and password. This man needs to be stopped

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Aldous & Associates, PLLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was a member of XXXX XXXX in XXXX, CA for 2 months when the Covid-19 pandemic shut everything down in XX/XX/2020, including all gyms. However, they continued to withdraw monthly dues from my checking account. I tried to contact them on numerous occasions to no avail ( they were closed ). I then stopped/blocked them from withdrawing payments from my bank. They then sent me to collections by some attorneys in Utah named Aldous & Associates claiming I owed {$280.00}. One of their phone numbers is ( XXXX ) XXXX. I had my attorney friend call them and she left a message for them to call her. They never called her. They continue to call me to this day, and leave messages at least twice a week. I blocked their number but they get through on another line leaving a me a message. I have had enough!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
A fraudelent account on XXXX XXXX with XXXX XXXX XXXX appeared on my credit report and on XXXX went delinquent after I had already reported it fraudelent back in XX/XX/2023 XXXX took my score down XXXX points and has not returned my points after XXXX XXXX was found to be fraudelent and removed. I would like my score returned to what it was before this fraudelent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: EQUIFAX, 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:
I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report : XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX  XXXX XXXX  : {$0.00} XXXX XXXX  XXXX XXXX XXXX  : {$0.00} XXXXXXXX XXXX XXXX : {$2400.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-28
Company: EQUIFAX, INC.
State: TN
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 contacted Equifax on 4 different occasions dated : XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018 to either receive no response or when they did respond they are not providing me with any proof from the original creditor ( XXXX XXXX XXXX ). Also on all 4 of these occasions Equifax has went well over 30 days to either respond with re-investigating in progress 45-50 days later or no response at all. I have also filed a Identity Theft report with The Federal Trade Commission that list XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-09
Company: Coinbase, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Coinbase closed my account due to a violation of their terms of service. They did not indicate what the violation was. Immediately I lost access to my account and was directed to a page online to have my cryptocurrencies transferred to a different wallet. I followed the process but the funds were not transferred and are still held within Coinbase. I have called and emailed and re-attempted to transfer for days, with no response from customer service. I have no access to my funds and can not retrieve them from Coinbase. They are holding {$4000.00} that I had invested with their service and I have no access to my own money. I did not initiate the account closure and simply wish to withdraw my money, but can not get even a simple reply from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Portfolio Recovery is attempting to collect a debt that was already flagged by the original creditor as identity theft. Portfolio Recovery is attempting to collect a debt from XXXX XXXX that was not opened by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-19
Company: EQUIFAX, INC.
State: MI
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: Investigation took more than 30 days

Complaint:
Contacted XXXX, XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX,2020 via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Investigation took more than 30 days

Complaint:
Contacted XXXX, Transunion, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX2020 via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

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 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Trans Union investigated a complaint I initiated with XXXX XXXX reporting a charge off on my credit report. There has been 7 years from the date of the first missed payments based on Tran Union investigation. 
XXXX XXXXXXXX XXXX XXXX ( 1 ) last payment received was XX/XX/XXXX for {$9900.00} with a high balance of {$6000.00} XXXX XXXX XXXX XXXX ( 2 ) last payment received {$10000.00} on XX/XX/XXXX High balance of {$7000.00}. XXXX XXXXXXXX XXXX XXXX ( 3 ) last payment was XX/XX/XXXX {$9600.00} High balance of {$7000.00}. they all have purchased by another lender - Paid in full /was a charge off. Est month and year these item will be removed XX/XX/XXXX. Seven years from the Date of the first missed payment for all three loans was XX/XX/XXXX. The investigation shows payments weremade, however this contradicts XXXX XXXX statement of XX/XX/XXXX. 

Request the XXXX XXXX loans be removed immediately from Trans Union/ XXXX XXXX credit reports based on incorrect reporting information, or 7 years from the date of the first missed payments. Estimated date XX/XX/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 2022-10-03
Company: United Funding Logistics, LLC
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I paid XXXX to united funding logistics for credit repair services. 
I have been a customer for going on XXXX months. I have yet to receive any response on anything that they have done. I havent received any updates, improvements, removals on credit reports. They claim to be a credit dispute company but they dont dispute any issues unless you pay for another service to provide them with reports. That information isnt told to you up front. They charge a fee then if you dont do leg work to send them all the information they do nothing for you after they take your money

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have a debt of Bank of America which was written off by the bank XX/XX/XXXX without my knowledge. I went to the bank XXXX XXXX since a law group kept on delving on XXXX XXXX Clerk File and garnishing salary from my work.This case has been closed.I paid a lesser amount to the bank to close this debt XXXX I sent them checks. I will greatly appreciate if this case will be resolve.

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 2020-07-19
Company: CAINE & WEINER COMPANY, INC.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I've contacted the collection agency called Caine & Weiner, after I viewed my credit report and saw an account in collections reporting which I'm not aware of this debt at all. 

I called the at number ( XXXX ) XXXX Asked for more information on this matter. 
In the phone call, I try to reach a settlement if by any chance the debt can be verified that it is mine, I explain because of Covid can't make a payment in Full of {$250.00} which is reported as owed. 

I request for a smaller amount to be paid in order to settle this account, they start to get very disrespectful, with attitudes and why am I not being responsible for this debt, I repeatedly mention Covid affected my job, and the guy continuously said that wasn't a good enough answer, a lot of people call and pay their owed accounts in Full why can't I be responsible. ( in a very mean inconsiderate way I was being treated all through this phone call ) I feel offended. 

How can you treat someone like this in these unprecedented times. I felt humiliated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: SC
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 is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 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 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 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 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX 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 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 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 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 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 XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-01
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX {$1000.00} XXXX  XXXX {$370.00} XXXX {$0.00} XXXX {$0.00} XXXX  XXXX {$860.00} XXXX XXXX {$0.00} XXXX {$5800.00} XXXX XXXXXXXX {$11000.00} XXXX {$230.00} XXXX XXXXXXXX XXXX XXXXXXXX {$1700.00} XXXX XXXXXXXX {$560.00} XXXX XXXX {$630.00} XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Home Point Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2023 I was sent the annual escrow analysis for my loan. The letter indicated there are over {$7000.00} of surplus in the esctow and that this surplus would be refunded in a different mailing. As of XX/XX/2023 nothing was refunded so I reached out to the company to follow up. The representative XXXX assured me it would be refunded immediately by check. By XX/XX/2023 nothing was refunded so I reached out again to the company. The representative XXXX escalated the case with the assurance that a manager will contact me within 48 hours. As of today, XX/XX/2023 nobody has contacted me and no refund has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: EQUIFAX, INC.
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 XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: NJ
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 these accounts have violated my rights 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602A States I have the right to privacy.

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

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 2019-08-19
Company: Experian Information Solutions 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:
The following accounts that are listed on my credit report are fraudulent.  I have tried to correct this issue multiple times with no success with the credit bureau.  XXXX XXXX XXXX XXXX, $XXXX, opened on XX/XX/XXXX.  XXXX, $XXXX, opened on XX/XX/XXXX.  XXXX, $XXXX opened on XX/XX/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 2020-04-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My family is in desperate need of your help! We were impacted financially immediately and contacted Chase regarding our XXXX mortgage Payment and had to take a substantial pay cut ( 4K ) as a result of COVId19. Couldnt reach them via telephone so sent them a message through the app ( per their instructions ) after waiting on hold for 3.5 hours three times! Was assured no negative credit report and no late fees would be imposed and not to worry that we would work something out after a 90 day support period. I contacted them multiple times to confirm we were safe and was always assured they would protect us. Fast forward to XX/XX/XXXX when I received notice that our credit score had plummeted because Chase reported us. Again I contacted Chase through the app and was told they were unaware and asked me to send the notice. Upon reviewing notice, they assured me they would correct it. XX/XX/XXXX I received a letter via USPS ( not certified/ no signature required ) informing me XXXX XXXX   XXXX would be my new note holder effective XX/XX/XXXX and I would have to contact them from that point forward. I immediately messaged Chase and again did not hear back right away. They responded to my inquiry on XX/XX/XXXX well after the required 15 day notice of transfer. 

I have since researched XXXX  and they are an unaccredited predator that stands to profit off of this global pandemic! Our note would not have been transferred had they not reported our credit or imposed late fees like their promised! Please help, we have called Chase all day today to stop this transfer as it isnt fair and could potentially end in my family losing our home! We have paid our mortgage ON TIME for 14 years! XXXX would like nothing more than to profit off of my XXXX in equity. This equity is my familys nest egg. My husband is a XXXX XXXX XXXX and I am a XXXX currently studying to become a XXXX. We are about to break, and really need help. I understand loans are transferred all of the time, but transfers should not be initiated right now, and although they should uphold the terms of my original loan, my non payment puts me in violation of contract and doesnt protect my family. Chase told us we had nothing to worry about for 90 days. We pay taxes on time, and have never been late with any of our credit

Company response to consumer: Closed with explanation