BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-30
Company: Coinbase, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a debit card with Coinbase. There were 4 FRAUDULENT transactions made with my debit card. I alerted Coinbase real time when 2 transactions of XXXX and XXXX were made, when I received alerts on the mobile device. They were still pending when I alerted Coinbase. They never did anything about it. I also open a ticket at the same time. There are screenshots of it. Nothing happened for a few days, so I asked for the status and was told ticket was never opened ( even I have screenshots of the ticket number from the chat ). They opened new ticket. Nothing happened. I contacted them via twitter and someone told me they are working on it and they started to ask me questions that were already answered in the email chain. And it has been going on. Same questions and no progress whatsoever. 
Please help to recover my money and would be nice if Coinbase is punished for lack of the required support by USA laws XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: Experian Information Solutions Inc.
State: FL
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 did a voluntary repossession of the vehicle I purchased on XX/XX/XXXX due to going into labor more than 3 months early for my daughter. I understood it would be a balance remaining on the loan with XXXX XXXX XXXX also DBA XXXX XXXX I do not dispute that, however I filed bankruptcy and this debt was included in my bankruptcy on XX/XX/XXXX and it was discharged on XX/XX/XXXX and the company is still reporting a balance and missed payments on my Experian and XXXX  credit reports.

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 2022-08-30
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 ortina can not furnish a account without my written instruction

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 2023-08-12
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. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Bankruptcy XXXX XXXX XXXX Bankruptcy ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mother died in XXXX XXXX but XXXX XXXX XXXX forge my mothers name in XXXX XXXX, XXXX had it notarized and everything for a home loan modification. Soon as I saw the signature I knew it was n't my mothers and I knew it was fraud. And now they put my house in foreclosure and trying to foreclose on my house this is wrong this is a crime and this is against the law. Ditech financial is the mortgage service company.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
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:
I AM LOOKING AT MY CREDIT REPORT AND I HAVE A LOT OF FRAUDULENT ACCOUNTS. ALONG WITH FRAUDULENT INQUIRIES. THESE ACCOUNT ARE CAUSING ME A LOT OF EMOTIONAL DISTRESS FOR MY FAMILY AND ME. HOW CAN I PROGRESS AND DO WHAT I NEED TO DO FOR MY CHILDREN WHEN THE BUREUAS ALLOW THESE FRAUDUENT ACCOUNTS ON MY CREDIT PROFILE. There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

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 2022-08-30
Company: National Credit Systems,Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from national credit systems Inc. regarding a client they obtained XXXX XXXX XXXX XXXX they said that I owed {$5900.00}. I reached out to them trying to dispute the death I asked them to verify the debt they then proceeded to send me a unsigned lease with my name on it. I reached out to them asking them to remove it I also provided proof that I never signed the lease they never responded to me they also have not provided any more information regarding the lease that needs to be signed I do not under

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2022 I received a letter from Freedom Mortgage providing notification that my husband and I were approved for a Traditional modification of our VA loan. I reached out to Freedom on or about XX/XX/2022 to accept the offer and get information regarding the first trial payment. The representative stated there was nothing I needed to do and since the underwriting department was swamped, I just needed to wait about a week or two for some paperwork to come to me in the mail. During this time I received no communication from Freedom so on XX/XX/2022 I contacted there office and was told again that there was nothing I needed to do, just wait for the paperwork. On XX/XX/XXXX, I logged into my account and saw that my account was now in a foreclosure status. I contacted Freedom and the representative informed me that they now needed proof of where my child support is deposited and a letter of explanation on how the child support is used. I apparently had until XX/XX/XXXX to send in this information, but I never received a letter stating this information was requested. I was instructed to still forward the information over despite being issued an approval. I asked the representative for assurance that my review would not be closed since Freedom failed to notify me and she assured they would keep the review open. Something about that conversation did not feel right so XXXX minutes later I called back and the representative couldn't understand why there was a request for info and an approval listed in their system on the same day, XX/XX/2022. She also informed me that the representatives I spoke with prior should have noted my acceptance of the offer in the system which would have triggered the creation of the loan modification documents. This is the third time that the loss mitigation process has been held up by misinformation by Freedom Mortgage 's representatives. This is an error that could have cost me my home again because how am I to know there is additional documentation required if I was issued an approval?

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 2021-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
was looking into my report and came across some accounts that was not open by me. which make the accounts fraudulent!

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 2017-06-20
Company: LEXISNEXIS
State: IN
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:
ALL CREDIT REPORTING COMPANIES MUST CEASE ALL CREDIT INFO OM ME UNDER THE  F.C.R.A. 15 USC 1681a ( g ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing this letter due to the actions that XXXX XXXX, XXXX has taken that have completely disregarded my rights under the FCRA, and FDCPA in which they have a legal duty to comply to. 

I have recently sent them another letter on XX/XX/2022 after carefully scrutinizing my credit report. They have failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. 

It is incumbent upon them under the law they prove that they have the legal right to collect this debt from me, and that they are allowed to do so in the state of North Carolina. What they have provided me with is a statement with the original creditors details, as well as information stating that they are attempting to collect a debt that XXXX XXXX XXXX XXXX XXXX is also claiming that I owe to them as well. This is not a validation of debt letter containing a contract bearing my personal wet signature as proof that I hold this contract with their company or with XXXX XXXX XXXX XXXX XXXX XXXX 

They are using unfair and deceptive practices in order to collect a debt for which I did not have a contractual obligation with XXXX XXXX, XXXX, and that they have purchased from the original creditor. 

For the above reasons, I have decided to file a complaint with Consumer Financial Protection Bureau for the immediate removal of this inaccurate information from my credit report. 
Sincerely yours, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30
Company: ENCORE CAPITAL GROUP INC.
State: KS
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:
Third party debt collector ( MIDLAND CREDIT MANAG ) has incorrect information on report. Last reported date on my credit report by third party is the XXXX XX/XX/2022 but last activity is XXXX of XX/XX/2022 XXXXThird has not provided any form of validation. Third party is also suing me for debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Since XX/XX/2020 i have been trying with the help of XXXX out credit restoration to dispute misinformation on my credit report. We have sent in multiple request and reports to Transunion on multiple dates for the past XXXX  years i have submitted police reports, case numbers etc. i have also been notified of breaches and had credit monitioring services and done dispute after dispute and nothing has been removed that was negative from my credit reports. this has severely impacted my credit ratings and dropped my scores.

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 2022-08-30
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
As of XX/XX/2022 per cfpb director XXXX XXXX a law was passed to have medical files under {$500.00} to be deleted. I have contacted all of the credit bureaus in regards to my 4 accounts that I have on my file that qualify to be removed under the new law. 
I was advised by each bureau that they would put the accounts in dispute and nothing has happened and we have make no progress, thus prompting me to file this complaint. 
The accounts I am attempting to get removed are as follows : 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 2022-08-30
Company: JPMORGAN CHASE & CO.
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
My car payment with Chase Auto was the XXXX of each month. 
On XX/XX/2023, I mailed in a check to payoff the loan. The amount and the address was given to me by Chase Auto because I would not have known what the payoff amount would be without calling them. 
On XX/XX/2023 Chase Auto received the check because it is stamped on the front of the check. 
Chase Auto did not deposit the check until XX/XX/2023, nearly 60 days after receiving the check. Meanwhile they continued to auto-debit my account for payments on XX/XX/XXXX and XX/XX/XXXX. 
They say they will refund my money but I still have not received it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-13
Company: TD BANK US HOLDING COMPANY
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Target stores closed my account last month onXX/XX/XXXXdue to inactivity. We received one and only one communication about this which got misplaced until it was too late. I work for a very large bank with not only their own credit cards but branded cards as well and have talked with that legal team about the following : 1. There should have been more than just one general prepaid mailing that looked more like junk mail than a call to action notification. 2. As I have opted in for digital communication, they should have sent important account information to my selected email, of which there were none. 3. I have their manage red card site where I paid my bills and on this site every single time I went in wanted me to update financial information, NEVER did this pop up a warning telling us about a pending closure. I contacted them MANY TIMES informing them of their error and their lack of proper customer communication that all good providers ( including where I work ) do to one keep clients and two mitigate the possibility of a lawsuit. Every time they claim they can not turn the card back on that I have to apply for a new one which from the lawyers and branded cards team where I work is a flat out LIE. All I get is we will take this as a learning item for future process improvements.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: Innovis
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
CREDIT SUPPRESSION REQUESTED BY ALL CREDIT BUREAUS.   XXXX   XXXX   XXXX   AND INNOVIS.     PER THE  F.C.R.A  LAWS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
CREDIT SUPPRESSION REQUESTED BY ALL CREDIT BUREAUS.  XXXX , EQUIFAX,  XXXX  AND  XXXX .     PER THE  F.C.R.A  LAWS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Experian Information Solutions Inc.
State: IL
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  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, The XXXX XXXX XXXX  Account # XXXX, The XXXX XXXX XXXX  Account # XXXX, XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # 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 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 2019-07-18
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello, I am asking for help about unauthorized charges in my bank account, my account was frozen around the month reported in the process that I received multiple fraudulent charges, when my account was updated I reviewed all my accounts and saw multiple charges then I proceeded go to a XXXX XXXX   branch to make a claim about all the fraudulent TRANSACTIONS in my accounts told me to wait 30 days maximum, wait time and call to know about the process they told me they canceled it they did not give me a correct reason so I decided appeal the case and now it is again in investigation please I need you to thoroughly review each fraudulent charges and return the funds to my bank account and I demanded information about the people who could have used my information in every charge I had in my account please demand that come back my money is the second time I am sending this complaint if you need more information do not hesitate to tactarme .. please respect the case of these charges I already said everything with respect to what I knew about these unauthorized charges apparently do not value my rights as a consumer are based on what they think not on what they should do review each charge and see what information was used to perform each fraudulent charge not on what you think because you are always making the decisions that you want I demand my consumer rights and return all funds from all fraudulent charges ... it's too much what I have waiting for XXXX and they never help me ..To contact me I receive calls only in Spanish 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 2022-08-30
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

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 2022-08-30
Company: Experian Information Solutions Inc.
State: MT
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:
Experian shows account # XXXX XXXX  XXXX as " legally paid less than full balance. '' I paid the full balance to the collection company.

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