BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-02
Company: Experian Information Solutions 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:
id theft victim XXXX XXXX not mine chapter XXXX been 7 years, needs to be removed XXXX XXXX XXXX not mine

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 2018-06-14
Company: Resurgent Capital Services L.P.
State: VA
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:
There is an account that has been without ongoing validation and verification XXXX XXXX, removed and consistently resold and purchased. Current request for validation by creditor and XXXX, XX/XX/XXXX- resulted in account updated. New letter from another creditor, responding via certifed XX/XX/XXXX Resurgent Capitol Services. Previously removed XX/XX/XXXX,XX/XX/XXXX/XX/XX/XXXX- due to unable to verify information, wrong addresses, and identity. 
The consistent denial of validation and proof of debt a collection, including the last certified letter of validation to another creditor- Resurgent Capitol Services. 
Sent in XX/XX/XXXX - XXXX XXXX not licensed or permitted to collect. As of XX/XX/XXXX- capital resurgent services- is attempting without validation or proof. 
Request previously for account information, signature, original creditor, discharge dates have continued to change. No proof and no continuity of investigation- where their is my signature or responses to certified mail-exceeds 30 DAYS. 
The last inquire was XX/XX/XXXX- to XXXX via priority- detailing the illegal efforts to collect of an validated debt. Response XX/XX/XXXX- this account has been in question since XX/XX/XXXX. XXXX refuses to report method of validated or methods investigation. 
Yet still reporting to XXXX I have sent certified proof of this fraud and illegal efforts to collect. XXXX denies and refuses to discuss how an invalidated debt that is not licensed in Virginia, continues to be displayed. 
I understand my Fair Debt Collection Practices Act requests and legal obligation to report correctly are being ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
TransUnion is reporting that I have two outstanding loan balances through XXXX  XXXX XXXX-XXXX  as of XX/XX/XXXX. The accounts were closed as of XX/XX/XXXX. I have submitted two disputes ( once in XX/XX/XXXX and again in XX/XX/XXXX ) with information documenting both showing {$0.00} balance and both disputes have been denied. 

I submitted my Loan Summary/Mortgage Verification letter ( the only letter XXXX was able to give me ) and my StudentDataDocument from the National Student Loan Data System - both showing I have a XXXX balance for all my student loan accounts. 

TransUnion has denied both my disputes saying the information being reported is correct. They have documentation showing XXXX " reported '' balances on my account on XX/XX/XXXX. Upon contacting the creditor, XXXX, they are showing they have not reported anything to TransUnion since XX/XX/XXXX. 

When I call TransUnion they say that XXXX is still reporting ( on XX/XX/XXXX ) that they balances are correct. I have submitted all the documentation that I have showing the accounts are paid off. I don't know if TransUnion is wrong or XXXX is wrong but the information being reported on my TransUnion credit report is incorrect. The balances have been paid off ( on XX/XX/XXXX ) and should be removed from my credit report. 

I called TransUnion and XXXX multiple times to get this resolved and they were unable to handle my request. I think it is ridiculous that CRA 's and creditors are able to report incorrect information about me and yet are unable to give me a straight answer via a simple phone call. These are billion dollar organizations and I am having to solve these issues from my kitchen table. These organizations should be held to a higher standard when it comes to servicing the people they are profiting from.

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 2021-05-29
Company: EQUIFAX, INC.
State: NY
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:
i sent a letter XX/XX/2021 more than 30days ago. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my consumer report.

This is also in violation of 15 U.S.C. 1692b. Which states that a consumer report from any reporting agency can only be furnished in accordance of the written consent of the consumer it relates to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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:
I was advised to dispute to help bring up my credit score. Trying to get a loan but the loan company/ lenders state that they can not give me a loan with the disputes on my credit. Please remove all disputes on all 3 credit reporting bureaus.

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 2021-07-16
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
United Wholesale Mortgage increased my monthly payment without notification. Because the payment is automatically deducted from my bank account, it created a risk of overdraft. 

On XX/XX/XXXX, I spoked to two phone reps. One of them told me that, because I have selected " paperless, '' that I would have received notification through the website. I explained that I have not been able to log onto the website, even after I saved my login information. Additionally, I expressed the absurdity of a policy that would hold me responsible for checking the website for an increase in payment that I am not expecting. 

A second phone rep attempted to help me log on and failed. A passcode was sent to me through the phone and the log on still failed. Then, the phone rep told me that someone would call me. To this date ( XX/XX/2021 ), no one has called. 

My first complaint about the log in process occurred in the first couple of months of the UWM loan. The phone rep at that time insisted that the log in problem was due to some failure on my part and hung up on me when I expressed my anger with her. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Coinbase, Inc.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Dear XXXX Staff, My husband, XXXX XXXX opened an account with Coinbase, a crypto exchange based in XXXX XXXX. 

His account is linked to his XXXX email address. 

On XX/XX/2020, the balance of XXXX 's account was {$1700.00} reflecting the value of XXXX UNI ( swaps XXXX in his e-wallet.. 

On XX/XX/XXXX XXXX 's account with Coinbase reflected a XXXX  balance. He had not conducted any transactions and has the screen shots reflecting the XX/XX/XXXX balance of {$1700.00}. 

XXXX submitted an email to Coinbase asking for support and no one has responded. 

He called and no human answers their support line. 

I also sent an email to the XXXX address and received no reply. 

This seems a common complaint against Coinbase and on its own XXXX page there were approx. 600 negative remarks about no customer support, and consumers having lost funds. 

Further, Coinbase states in its FAQs that it is registered with XXXX. XXXX does not do market conduct supervision and I believe this statement misleads consumers, and falsely reassures them that Coinbase is a legitimate enterprise. 

It is my opinion that Coinbase is either grossly negligent in the handling of consumer funds or purposefully engaging in a pattern of fraud/theft. 

I have already complained to XXXX which basically told me to go away. 

I submitted a complaint to the SEC and received no reply. 

Could the XXXX kindly investigate as it appears numerous American consumers have lost money on this site -- further, I would be willing to bet that if you check with the FCA and other financial regulators that they too are receiving complaints from consumers. 

Thanks in advance. 


Regards, XXXX XXXX, XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-16
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Convergent Outsourcing, Inc. have been harassing me about a debt that I do not owe via telephone and mail. i have told them numerous times that I do not owe any debt and that I am not paying any alleged debt. 15 USC 1692b ( 2 ) -Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; 15 USC 1692b ( 5 ) ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;

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 2018-12-20
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Throughout the life of the loan I've already used all my forbearance options ( Navient only gave me hardship options ) and only have the option to pay the full amount or try to refinance. I have tried on several occasions to talk to them about income based or any other options and I've been told " we dont have any other options, you must pay the full amount. '' I feel this is wrong as every other student loan servicer gives you the options.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Had to fill out a reaffirmation agreement and send it to XXXX  to be processed for my upcoming class. I sent them the form well in advance and they told me 7-10 business days to process. I had to keep calling back several time after the time frame to have it processed. They said they sent it to my school and my school still has not received it. I called and asked to have it emailed to me and they said they would. 3 days later still no email so I called and asked to speak to a manager and the person that got on the phone said she would expedite the email but I have no faith in that. Here it is my class in 4 days in and XXXX does not care about my paperwork. They talk really quick and try and get you off the phone but do not resolve your issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: Ocwen Financial Corporation
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: EQUIFAX, INC.
State: OH
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:
To whom this concern.

Back on XX/XX/2010 I found a house at XXXX XXXX XXXX XXXX XXXX with a for rent sign in the window. I called the number XXXX  and a guy answered by the name of XXXX XXXX  and advised me he was with XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and that I could obtain the property if I could fix the home to suitable to live in and pay XXXX down and XXXX a month until I reach XXXX for the deed to be transfer in my name or I could opt to rent the home. Well it sound like a great idea at the time due to my living situation. So he forward me an application I completed it and he sent a notary to me to sign a contract then I sent him XXXX and I paid XXXX  for a few months then I went to call the number to ask some questions it was disconnected. Then I started receiving letters from different loan servicing companies. So I started to do some research online and found out it was a scam the taxes were not being paid and the contract was never filed with the state of XXXX as a land contract or anything. I started to read online reviews and it said to just follow the lender so as I am getting letters from different loan servicing companies which was about five I believe telling me to pay. I just started to pay seeing as if I just spent XXXX to fix up the home. Then the amount change when it went to XXXX XXXX XXXX XXXX aka XXXX XXXX so I stop making payments and been trying to fight my way out of the home with my good name in tack. Out of all the loan servicing companies who were collecting for whoever this lender is only one has reported to my credit bureau which is XXXX XXXX XXXX aka XXXX XXXX  they had reported this is a conventional loan mortgage, and it is close due to transfer with a XXXX  balance. I am in the market to try to obtain a rightful loan with a bank and I can not get any assistant from the XXXX HOUSING FINANCE AGENCY. Because its reported on my bureau I have a mortgage. Theres no deed with my name on it from the state of XXXX, I have no rights to obtain anything. This is fraudulent I have contacted an attorney who told me to move and walk away. But how can me when its reported to my credit report as if I had a mortgage. I been in contact with sortis financial and they will not remove this from my report they just keep giving a explanation its close as transfer to another lender who has not reported and told me to walk away. I keep disputing this with the credit bureau and only XXXX has removed the remark. Equifax and XXXX  will not remove this remark. Please advised

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
I have tried for the last 6 months to have Transunion update my credit report to include my XXXX Chapter XXXX Bankruptcy without success. They are absolutely no help. They keep telling me that they get the information from a vendor ( they will not provide the name of the vendor ) and that the file is accurate. I have contacted the court where my bankruptcy was filed an XXXX and they told me they don't work with the credit reporting agencies. So, no one will help me. My Transunion credit report just shows bad debt and a statement from me that they were included in Chapter XXXX Bankruptcy. However, when I apply for credit I am turned down because it appears that I'm in an open bankruptcy because the bankruptcy and XXXX are not on my report as a public record.

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 2020-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$15000.00}, {$0.00}, {$0.00}, {$1900.00}, {$5200.00}, {$5200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 



-- COLLECTION ACCOUNTS 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account.

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 2018-12-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( {$960.00} ) This ACH was not authorized. I do not have a XXXX   XXXX account. I do not do business with this company. 

XX/XX/XXXX I reported this ACH as unauthorized in writing and within 60 days of the first statement the charge was credited on. 

I contacted USAA to see when I would recieve my funds back and was told I was not allowed a credit. 

More than 10 days has passed and I have not had a credit or anything. 

It appears to me USAA is not following the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
CFPB team please review Citibank issued Credit card ( Citi XXXX Anywhere Business Card ) I was recently found out that my credit card transactions were coming up declined and after calling the customer service I found out that Citibank has decided to close my credit card on XX/XX/XXXX It is understood that Citibank has right to close my credit card but with a notice of upcoming closure. They should have given me few days to redeem my rewards that I have legal right to earn as per your terms and conditions across all these years I have had service. In-fact I have payed membership fees for XXXX in the amount of {$120.00} per year and accumulated thousands of dollars of charges on the account for which Citibank has charged credit card fees from each merchant up to 4 % for all my usage. My XXXX annual fees was {$120.00} I paid on that account that has not been refunded. 
I called customer service on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They are not ready to help. 
I have my rights to redeem my rewards back for each one of these cards : Citi XXXX Anywhere Visa Business card XXXX XXXX in Fuel Rewards Cash Back was earned until XX/XX/XXXX. Closing balance for XXXX had accumulated up to {$90.00} Fuel Rewards Cash back. 
I send a letter to Escalation customer service and the citibank via USPS mail on XX/XX/XXXX. There was no response received. I had requested {$90.00} credit on my account + {$170.00} credit sitting on the account for overpayment of funds Citicards pulled from my local XXXX bank. 

It is unjust and unethical for Citibank/Citicards to forfeit my points i collected for past 1 years paying XXXX annual fees to the bank. 
I am looking for a legal decision to be held against Citibank to make these unjust decisions and stealing my benefits. 

Regards, 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