BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-21
Company: Freedom Mortgage Company
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Freedom Mortgage requested for XXXX XXXX complete a Loan Modification package. The package was submitted early XXXX. I received mutiple phone calls daily requesting the same documentation that I previously submitted twice before. 

The customer service rep is telling me that the underwriter is stated these documents are missing however I have emails from Freedom that they have all the documents needed and I should hear from someone within a week.

A week later I am hearing from Freedom that they documents are previously sent are still missing.

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 2020-02-21
Company: EQUIFAX, 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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Experian Information Solutions Inc.
State: MN
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:
On XX/XX/21 I purchased a used car from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MN, XXXX. Their phone number is XXXX. I wrote a check for payment-in-full for the vehicle, and was told the only way they could accept a check was if they ran a credit report, and that the credit report had to be over 700. They could have called the bank for confirmation of funds or asked for a cashiers check but the did not. I don't know why they had to run a credit report when I wasn't taking out a loan, but the said they did. I ended up with a 55 point drop in my credit score for a credit inquiry that didn't need to be run!

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 2021-03-25
Company: CITIBANK, N.A.
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:
I have fallen victim to identity theft due to the XX/XX/2017 XXXX breach. This has taken a toll on my XXXX heath and it has caused me a great deal of frustration and anxiety.

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 2021-03-25
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 fraud alerts or security freezes

Complaint:
I have filed an Identity Theft report and asked the bureau to block the fraudulent information on my credit report. I have submitted the required documents including the FTC Identity Theft affidavit. In response I received a letter telling me they refused to block the fraudulent information. I have literally lost a job opportunity - DURING A GLOBAL PANDEMIC!!! - where the job offer was rescinded because of this fraudulent information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: OneMain Finance Corporation
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:
I have fallen victim to identity theft due to the 2017 XXXX breach. This has taken a toll on my mental heath and it has caused me a great deal of frustration and anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: Aldous & Associates, PLLC
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They are trying to pend me to a debt that is not mine I had them send me a copy of document to prove it is me that they have. The signature if not even correct also haven't lived in that address in like XXXX I have a reason to believe its an ex friend of mine that has added me who ether works there or just decided to add me. I have no relationship with the company what so ever!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: Rocket Mortgage, LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My XXXX Taxes were based on 6 % versus 4 % as they always been and my taxes jumped up last year, My Mortgage company made the payment in XX/XX/XXXX for the Amount of {$3900.00} when it should've been {$1300.00} and that caused my Escrow balance to be negative, I contacted tax office and went there personally and proved them that i live there and it's my primary residence, they did another Tax bill at 4 % and Reimbursed My mortgage the difference of XXXX on XX/XX/XXXX, it's XXXX and I am still paying for the extra amount to bring my escrow to date, My girlfriend lost her Job and i am struggling with bills and couldn't make the XXXX payment on time, they reported me to the credit bureaus and now this is hurting my credit, i have contacted them several times to see it they can at least help me with that late report, was told they can't do that and the earliest my account will go back to normal would be XX/XX/XXXX, I would like to submit this complaint because i feel they have the tools to correct this since they got the refund back from tax office 5 month ago, i can be reach by phone if someone wants to call me and get more information. 
thanks in advance, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: Experian Information Solutions Inc.
State: NM
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 disputed credit inquiries in XX/XX/XXXX that lacked have a permissible purpose, of which I did not authorize. Experian failed to conduct an investigation into the matter within thirty days and instead, did not investigate my dispute at all. After a complaint and second dispute XXXX, they claimed said inquiries had a permissible purpose but failed to provide proof of said purpose ; as a credit reporting agency, they are required by law ( Fair Credit Reporting Act ) to report 100 % accurate information ; however, they are not doing so. I demand that the following disputed inquiries of which they failed to properly investigate in my original dispute from XX/XX/XXXX be deleted from my credit report : " XXXX - XX/XX/XXXX '', XXXX XXXX XXXX  - XX/XX/XXXX '', " XXXX XXXX XXXX - XX/XX/XXXX '', " XXXX - XX/XX/XXXX '', " XXXX  XXXX  - XX/XX/XXXX '', " XXXX  - XX/XX/XXXX '', " XXXX - XX/XX/XXXX '', " XXXX  XXXX  XXXX  - XX/XX/XXXX '' and " XXXX  - 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 2019-05-16
Company: National Business Factors
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Having major health issues for a few years. I had several medical bills sent to collection. Originally I had made arrangements to repay this debt. Due to my continued Health issues I have missed a lot of work, and my income has been substantially been reduced. So I am not able to pay {$200.00} a month any longer, but I do continue to make monthly payments. XXXX from national Business Factors is less than pleasant every time payment is made. Along with the threat of legal action, and wage garnishments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
There were four unauthorized transactions made on my checking accout with Bank of America.These four unauthorized transactions were taken by XXXX as a XXXX member fee from XXXX to XXXX. However, I have never applied as a XXXX member for XXXX. I have also never received any email from XXXX notifying me that I was a member, until two months ago when I received an email from XXXX asking me to renew my payment method by paying the membership fee. They took my money from my account without informing me, which is completey fraudulent and unauthorized. 

I have already made a claim to the Bank of America, however, they said that these four unauthorized transactions were over a year old, so they are unable to refund the money to me. This is unacceptable, as these were unauthorized transactions, which I possess the ability to dispute. I did not mean to delay my disputing since I did not know XXXX would take my money from my account without my permission, until I received the email two months ago. Bank of America should protect their customers and help me get my money back after it has been unethically taken away from me.

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 2021-03-25
Company: EQUIFAX, INC.
State: NV
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:
On XX/XX/2021 I initiated a dispute with XXXX. One creditor shows incorrect dates as my first date of delinquency. I included billing statements and a receipt of payment validating my claim. When I disputed with XXXX it was instantly removed but after repeated attempts with XXXX and Equifax no change has been made. This was a joint account with my spouse and was removed last year from her XXXX and Equifax but not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Two charges in the amount of {$160.00} each were posted to my HSBC credit card - one in XX/XX/XXXX and one XX/XX/XXXX ; both charges are fraudulent and unauthorized. Due to difficulty accessing my account online and by phone, I did not become aware of these until XX/XX/XXXX. When I spoke with HSBC fraud dep't. in XXXX, I was promised ( in a recorded conversation ) the refund of both charges. Now in repeated calls they are refusing to refund the earliest charge due the length of time since it occurred. Today I was given a number for the 'presidential dep't '. When I called I was unable to speak with anybody and could only leave a message. 
I typically have to spend a half hour or more on the phone with no resolution. ; The company has proven to be the most difficult credit card company I have EVER dealt with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX is reporting incorrect lates on my credit file. They are reporting Lates on my credit for a service they never provided. I have contacted them and they admitted their fault and said they would refund me around {$500.00}. I have received the refund, yet they continue to report these erroneous lates on my credit file. They are in violation and i'm requested kindly that they remove these lates off of my credit file.

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 2021-08-20
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
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 report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/2021, I have transferred XXXX ethereum from XXXX XXXX  on XXXX XXXX to Coinbase XXXX  account. I had no idea that I had to " bridge '' my funds before transferring. Also nothing on XXXX XXXX  warned me about bridging assets at the time of transfer ( now, after thousands of people made the same mistake, they warn people to bridge before sending ) As a result, my funds are stuck at the address that was provided to me by Coinbase XXXX  but on XXXX XXXX. XXXX ( aka XXXX ) help desk has said that they can see the transaction, and the coins are sitting at that address, but only Coinbase XXXX can help me since they hold the keys to said address. I have asked for those keys to the address since they belong to my account, I was denied access. Coinbase XXXX  help was inadequate and they closed my service ticket without giving me a final word on the issue. Other exchanges ( XXXX, XXXX., XXXX  ) do offer solutions for their customers that are in similar situations. This proves that those funds are recoverable. Coinbase customer service is unacceptably slow and doesn't provide solutions to their customers. As a result, at the time of writing, I am sitting on a $ XXXX loss. 
Also, while it took me over a month to receive an automated email from Coinbase support, on XX/XX/XXXX, a popular XXXX  account has XXXX  that he made a similar mistake. Because he is a popular public figure, Coinbase Support reached out to him in 1 hour. Meanwhile there are people with 3 month old service tickets. I don't think this is fair practice. I have attached a pictures. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
Company: Experian Information Solutions Inc.
State: KY
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:
XXXX continues to report to all 3 credit bureaus an account that should have been removed due to identity theft issues. Im a XXXX XXXX  and I was notified by an XXXX representative the account plan and phone device would be removed due to the discrepancy on the agreement and the account would be closed however that agreement was broken the representative didnt honor us word and failed to document the call. And the account was sent to collection and I have been disputing this account from my credit report for a few years due to this breach of agreement. The account should never been reported on my credit report. Instead the information was supposed to have been suppressed from my credit profile. The XXXX employee never notated they information and therefore Im having to dispute this with the credit bureaus and now the CFPB. 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 2019-10-13
Company: EQUIFAX, INC.
State: KY
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:
XXXX continues to report to all XXXX credit bureaus an account that should have been removed due to identity theft issues. Im a XXXX XXXX and I was notified by an XXXX representative the account plan and phone device would be removed due to the discrepancy on the agreement and the account would be closed however that agreement was broken the representative didnt honor us word and failed to document the call. And the account was sent to collection and I have been disputing this account from my credit report for a few years due to this breach of agreement. The account should never been reported on my credit report. Instead the information was supposed to have been suppressed from my credit profile. The XXXX employee never notated they information and therefore Im having to dispute this with the credit bureaus and now the CFPB. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have had a on going problems with my account with kohls department store. My issues are that I am still not able to log into my account online, it shows a totally different account number, balance and late charges that are not related to my account that is tied to my card. The online account had my name, email, overdue amount, zero statements and I can't change anything on this account online, but I call my card and it reflects a total difference amount, its current, and the number reflects my card on the phone verification. So I have gotten letters from kohls, and it has not gotten resolved, I asked for them to fix it, I asked them to call me and ask questions to see why this is going on, I've called into customer service and they don't help, I email kohls and they don't respond back, so I don't know why or what to do next. I asked for help, and they don't help, or even respond back to my issues that are in my complaint. It's just here is the account, and we don't see anything wrong. But it showes it does, and to me that is sad they don't look at it to see why it's wrong and it clearly shows this huge difference and they say nothing is wrong and if I need help just to reach out and they will help. So I did and nothing happened. So I'm here again to see if I can get help with my issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
Company: CITIBANK, N.A.
State: NY
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:
Macy 's is reporting false information on my credit report. They say an account was open with my personal information and that i am responsible for this account. As of today i am only XXXX  years old and at the time the account was open i was XXXXyears old. The address used to open the account is ours except the apartment number is different from our apartment number. Please close and remove this account from all of my credit reports immediately Department Store National Bank is responsible for this false information. 
Macy 's is not my account. I am requesting that the item be removed and correct information be placed on my report. I HAVE ENCLOSED MY BIRTH CERTIFICATE AS PROOF.

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 2020-09-15
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Hi My name is XXXX XXXX XXXX.and I have got some issue here related coinbase funds withdraw. 
I have started total 2 withdraws on XX/XX/XXXX, which is amount {$3100.00} reference number : XXXX, and amount {$5400.00} reference number : XXXX to my XXXX XXXX XXXX account.i can see the money did hit my account, and have been posted.BUT the exactly same amount of money been DEDUCTED from my account by coinbase at same time.which means I didnt receive the money I mean to withdraw either in my bank account nor coinbase wallet.i have try to contact coinbase for this matter in past 15 days and havent got satisfied answer, the problems remain unresolved! i DEMAND coinbase to take it serious as this is quite big money for me! please understand my problem here and give me the solutions!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: Perfection Collection
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Perfection collection is reporting that I owe money on something which I never purchased ... .it is clearly fraud as when I contact them to get information or proof of what I signed they tried to bait me into getting my personal details and refuse to provide any information where I signed or initiated the debt in question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: Experian Information Solutions Inc.
State: LA
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:
XXXX XXXX # XXXX is reporting an account to my credit that should no longer be on there. This debt is past the Louisiana Statute of Limitations and I no longer owe this debt. It needs to be deleted off of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation