BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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:
Upon checking my credit reports regularly, my credit score does not increase when trade line balances decrease or are paid in full. I do not have any late payments on my credit report and my credit score is not reflecting correctly.

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 2019-05-30
Company: Coinbase, Inc.
State: VT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2019 I initiated a transfer of XXXX LTC ( litecoin ) to Coinbase Pro. The transaction displayed as a deposit within the Coinbase Pro web interface after 10 minutes. The deposit was displayed for the incorrect amount of XXXX LTC and was not added to my balance. After 10 hours the transaction disappeared from the deposit history on Coinbase Pro. No LTC was deposited into my account on Coinbase Pro, the XXXX LTC was not returned to the sending address. I contacted Coinbase support and was provided a boilerplate response after 2 days that did not address the issue in any way. They refused to even research the transaction. The LTC was transfered from the Coinbase Pro generated address to another address where it still is.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: Experian Information Solutions Inc.
State: HI
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:
Please reverse the late payments reported on the following accounts : XXXX/XXXX   XXXX ; XXXX XXXX ; account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2019-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
Please reverse the late payments reported on the following accounts : XXXX   XXXXXXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2017-12-20
Company: JPMORGAN CHASE & CO.
State: OR
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX 2007, I signed for a {$260000.00} conventional 30yr. Fixed mortgage with WAMU. During the poorly executed take over by Chase my requests for a loan modification were continually lost & I was routinely disconnected after hours on hold & unable to get any knowledge representative to assist me with keeping my home from foreclosure. 

Long story short, House was foreclosed. I fought the entire way and a judge eventually ruled in my favor and Chase finally processed my paperwork and my " making home affordable '' modification happened. Chase figured out a way to get around the judges order of no fees or added costs were to be placed on me. So instead, Chase added on {$58000.00} in Corporate Advance charges. 

Now after paying 10 years on my Mortgage my Payment is {$200.00} higher per month than the loan I agreed to and my payoff is XXXX!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
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:
According to the Fair Credit Reporting Act, 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. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account XXXX XXXX ( Original Creditor : 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 explanation
Consumer complaint received 2019-02-19
Company: Bread Financial Holdings, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX of XXXX, I went to a clothing store called XXXX in XXXX, Minnesota. As the cashier was scanning my clothes, she asked if I would like to save 15 percent on my purchase for the day. I said sure. My purchase was about {$40.00}, something between 40 and 41. With the discount, the price was between {$35.00} and {$36.00}. 
Heres where the issue came up. The cashier rang up my clothes as the {$40.00} price and the discount was not applied. To avoid any future issues, I asked to pay off the full amount immediately after my purchase. What ended up happening was she only paid off {$35.00} of the {$40.00} because she did not notice the discount was not applied. 
So about five dollars was left on the card for several months and the balance build up on the 29 percent annual interest. I had no idea of the balance until I finally got a letter in the mail from XXXX XXXX saying that I had owed {$71.00}. 
A few days later I went into XXXX to resolve the issue. They told me to call XXXX XXXX which is who the card is issued through. I believe this bank is located in Delaware. 
I call and tell them the situation. They tell me that they can not just clear the {$71.00}, some of it has to be paid. So I get them to lower the balance to {$17.00} which seemed a lot better than {$71.00}. The XXXX manager reimbursed me the {$17.00} so everything was cool after that. 
Then I looked at my Fico Score on XXXX XXXX which I do every month. It had dropped from XXXX in XX/XX/XXXX all the way down to XXXX in XXXX of XXXX which i when I found out about this. 
Since then, I have gotten my score back up to XXXX. 
These are the only missed payments I have ever had. 
I recently talked with a banker at XXXX XXXX and he said I should 100 percent dispute this problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-05
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
It appears that PayPal has taken personal comments that were made during a message chat with a customer service agent. For the second time in a month PayPal limited access to my account by placing a hold on all outgoing transactions. After providing all requested information to PayPal the first time they removed the hold and allowed normal transactions to continue. Then starting on XX/XX/XXXX PayPal once again placed a hold on the account. This time requesting information from sales transactions. When contacting PayPal by message on their app PayPal advised to just give as detailed information as possible and made the comment PayPal is not for everyone. I found this quite shocking considering Ive sent hundreds of thousands of dollars using PayPal and how they just seemed to disregard me as a customer. I made the comment wow, I wonder how stock holders of PayPal would feel if they knew how their customers were being treated. That was the last communication before receiving an email stating my PayPal account has been closed and the funds in my account would be held for 180 days. They blocked me from being able to use chat messages as well so the quotes and information provided above is from memory as I do not have access. No reason was given as why it was terminated. Clearly it seems to be that someone was offended by the way I judged the customer service being provided by PayPal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-22
Company: TD BANK US HOLDING COMPANY
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
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 am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

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 2023-01-19
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 tried entering this complaint a few times and they dont address what im complaining about XXXX  is not a good inquiry and 2 out of 4 inquirys from XXXX are fraudlent and equifax doesnt understand that i want them to delete XXXX from my report and 2 of 4 XXXX also

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: EQUIFAX, INC.
State: IL
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:
It is obvious that my Identity is combined with someone else 's information in my written statement. Equifax has refused to correct the incorrect reported information activity in my Equifax credit report in over a year. Despite my many requests regarding several credit reporting errors in my Equifax Credit report and Credit score. ( Please see my detailed attachment statement ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There is a unverified Bankruptcy on my credit report. I requested METHOD OF VERFICATION which not provided. They credit agencies only the information was VERIFIED which is not true. 

I don't understand how they can do whatever they want when I have supplied a letter from the Bankruptcy court stating the credit agencies can not verify information from them as they do not share information. I requested this information over 30 days ago.

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 2019-06-07
Company: Square Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My account with cash app was closed for no reason they say to withdraw remaining funds add bank or card it only allow the bank option when i try to link it says fail contact support for more options i have emailed cashapp at least 30 times and i dont get a response i have XXXX to withdraw but they will not allow me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
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:
What in the world is happening here that my concern was not attended by Equifax and XXXX!! I am exhausted sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX, XXXX/XXXX   XXXX, XXXX XXXX, XXXX  XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
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:
What in the world is happening here that my concern was not attended by XXXX  and Transunion!! I am exhausted sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report 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 ( Original Creditor : 11 XXXX XXXX  ) XXXX**** , XXXX ( Original Creditor : 11 XXXX ) XXXX****, XXXX XXXX XXXX ( Original Creditor : 12 XXXX XXXX  XXXX XXXX ) XXXX** , XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) XXXX****, XXXX ( Original Creditor : 09 XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : 11 XXXX XXXX XXXX ) XXXX****, XXXX ( Original Creditor : 10 XXXX XXXX XXXX ) XXXX**, XXXX XXXX ( Original Creditor : 09 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 explanation
Consumer complaint received 2020-11-25
Company: Experian Information Solutions Inc.
State: MN
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 have tried to submit numerous disputes with XXXX XXXX company in regards to the misinformation on my credit report. There is several things reporting inaccurately. I can provide documentation, I have asked for this account to be DELETE immediately.

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 2020-07-05
Company: Paragon Mortgage Services, Inc.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage loan based on a pre-approval I received from Paragon Mortgage Services. We went under contract after looking at several houses. I paid the earnest money, paid for the inspection, paid for the appraisal, provided all requested documentation and signed a ton of documents. Then 9 days before our closing date I was told that I could not be approved for the loan. This decision was made based on my income ; the same income that was used to get my pre-approval.I was told that the underwriter denied my application because I am self-employed and they can not verify my income like they could if I were employed by someone else. I felt like I was dragged through the mud. My entire house was packed, we were getting ready to move, and the house I was occupying was set to be rented to someone else once we were completely moved out. We went from being excited about moving into our new house to possibly being homeless. I felt like these mortgage people should have known whether or not I would be approved for a mortgage loan when they gave me the pre-approval, before I went out looking for a house, before I paid for the home inspection, and before I paid for the appraisal. I had to contact 3 different people at Paragon Mortgage Services to get a straight answer as to what had changed from the time I got the pre-approval to 9 days before our closing date. I was told my application was denied due to changes in the guidelines for self-employed individuals. I was told my application was denied due to COVID-19. Then, I was finally told that the mortgage service-er I was working with had an underwriter look at my file prior to issuing the pre-approval letter to double check her work. Then once I was under contract and the process had been moved along a different underwriter was making the final decision said that the mortgage service-er and the first underwriter both made a mistake in the calculations of my income. How could 2 different people make the same mistake each looking at the file separately? And why was this mistake not noticed earlier in the loan process? I mean 9 days before closing date my entire family 's life was turned upside down. How is this ok? I feel like I was discriminated against because I am self-employed and they didn't want to take the time to go over all the documentation they had me supply for them. They told me I needed an audited P & L Statement ; which costs anywhere from $ XXXX {$6000.00}. So not only was I about to be homeless, but I was also not going to be reimbursed for the earnest money, the cost of the home inspection or the cost of the appraisal. How can someone make a mistake like that, a mistake that messes with a family 's stability, and not be held accountable. They should not be in the position they are in if they are making mistakes like that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: CITIBANK, N.A.
State: MD
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:
My Citi Card Thank You accounts were shut down without any warning or notice on XX/XX/2020. With the card being shut down, over 1 Million Thank you Points immediately " vanished ''. I was told by a Thank You Points representative that I would have 60 days to transfer out these points I feel that Citi was deceptive in their advertising practices by allowing me to earn all of these Thank You points, and then closing my account without any notice, thus giving me no opportunity to redeem my points.In addition, I was compiling these points in order to take my family on a vacation soon. I have also been told by representatives it was smart to save up all of these points rather than use them immediately. Taking these away is an unacceptable and unethical business practice that is unfathomable during a pandemic and during the holiday season.

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 2021-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission, the latter was truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care 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 explanation