BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-29
Company: Coinbase, Inc.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Hello, My name is XXXX XXXX, I contacted XXXX XXXX Attorney XXXX XXXX XXXX XXXXXXXX and XXXX of the U.S. Securities and Exchange Commission and he referred me to contact you regarding Coinbase Inc and a malfunction on the trading platform. I purchased XXXX XXXX  times XXXX the ticker/stock went up to around {$160000.00} + I attempted to remove some of my funds of {$130000.00} XXXX and keep the rest in the Coinbase Inc. and the transaction was canceled ( Transaction ID # XXXX ). Later in the evening my account was locked out by Coinbase Inc along with few 1000 other individuals according to reddit complaints. Coinbase Inc has made some type of error and Should be held responsible for their actions. My money is still invested into Coinbase Inc and can not be removed from the platform. Coinbase admitting to the malfunction gave me a tiny compensation credit of {$38.00} in XXXX in exchange for their mistake. I do not think this is a fair as I have email and picture evidence/ proof of my profile listing the correct amount of digital coins and Coinbase Inc went into and altered my profile switching and changing my crypto ownership shares and diluting my profits.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
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: Account status incorrect

Complaint:
XXXX XXXX. ALL OF YOUR NEWST ADVERSE INFORMATION WILL FOEVER BEEN UNDER DISPUTE FOR INACCURATE NEGATIVE INFORMATION! XXXX XXXX XXXX XXXX WILL ACQUIRE NOTHING. IF TOU DID NOT TELL THEM ABOUT WHO I AM- THEY WILL GET NOTHING FROM ME. SOMETIME AGO, REINSERTED OLD OUTDATED ADDRESS PHOMEA NUMNERS AS WELL AS OTHER ADVERSE AND INCORRECT INFORMATION. XXXX AQUIRED 3RS PARTY INFORMATION TO DIG UP AND THROW ONTO PEOPLE 'S CONSUMER REPORTS WITH CONSUMER CONSENT BEFOREHAND VIOLATING THE CONDITIONS UNDER WHICH LAY THE CONCRETE OF 15 U.S.C. 1681 BACKBONE OF THE FCRA. XXXX GOAL - MAKE PROFIT BY ANY TERMS. THIS WILL SET THE STAGE IN THAT XXXX AND THE OTHER CRAS ARE INCAPABLE OF HOLDING AN KEEPING ANY PRIVATE PARTY SAFE AND PROTECTED BECAUSE XXXX XXXX ITSELF IS A COLLECTOR AND SELLER OF PERSONAL INFORMATION TO THE HIGHEST BIDDER - FOR THE EIFHT PRICE. BE WARNED XXXX - FOR DIGGING THROUGH MY REPORTS FOR FOR OWN GAIN. YOUR TIME IA PASSED. YOUR COMPANIES SHOULD AT ALL COST. SHOULD BE BROKEN UP AND AOLD TO THOSE THAT HONESTLY KNOW THE MEANING OF " PRIVATE ''

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 2019-06-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
had a fraud charge on my account. I called in to get it removed. a week later it still shows I owe for the fraud charge

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: Experian Information Solutions Inc.
State: MA
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 want to temporarily remove a freeze from Experian. I submitted all the necessary information both online and by phone several times today, XX/XX/2018. I have been repeatedly told that they can't process the information " at this time ''. It is IMPOSSIBLE to speak to a live person on the phone. You just get the automated responses. This is extremely frustrating and time consuming. 
Terrible, or I should say, non existent, customer service.

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 2021-10-16
Company: EQUIFAX, INC.
State: NC
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:
So XXXX/EQ both reported that they verified a bankruptcy on my credit report using XXXX. I am trying to figure out how they both verified this information as accurate when XXXX has removed such information from their report for inaccurate reporting. I ask that both credit bureaus provide a proper method of verification or remove the information from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX : Called company to request balance and itemized list of charges from Rent Recovery Solutions. Spoke with XXXX XXXX. Ms. XXXX said that my file was on hold and that the company could not take any payment from me. 

XX/XX/XXXX : request information regarding proof of rent collection debt owed and itemized charges. Reply from XXXX XXXX with an attached document that appeared to be a rent ledger. The Client Name was XXXX XXXX. Emailed Ms. XXXX and explained the discrepancy. Ms. XXXX called me and explained that the collections company would request the correct file from the original creditor. No further communication from company nor Ms. XXXX. 

Several calls to the company. Left voicemails. No replies. Made between XX/XX/XXXX and XX/XX/XXXX. 

XX/XX/XXXX Called company and asked to speak with Ms. XXXX. I was told she no longer worked for the company. Representative checked my account number. She reviewed the file and said my file was on hold. I explained that this has been going on since XXXX. She transferred me to a voicemail. The voicemail said, You've reached XXXX XXXX ... '' I called back to ask for an email. I was told the company does not communicate via email. I explained that I had an email from the company. The representative did not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: BARCLAYS BANK DELAWARE
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
Originally, I was supposed to take a trip in XXXX that was booked and charged onto my Barclays credit card by XXXX XXXX through XXXX. Due to COVID, it was cancelled ( services not delivered ). Through a long and drawn out process, XXXX  finally agreed to refund me ( documentation attached ) for 4 tickets totaling {$1300.00}. I had filed a DOT complaint and a credit card complaint. XXXX  told me ( via XXXX ) that they couldnt process the refund with the credit card complaint ongoing, so I cancelled it ( documentation attached ). This was XX/XX/2020. 
When I never received the refund, I sent a certified letter to Barclays ( attached ) asking to reopen the complaint on XX/XX/2020. I called the day after it was received and verified everything was in the works. I was assured everything was being reviewed. When I heard nothing 63 days later, I called for am update. I then received this confusing letter saying I could be refunded because I authorized the charge ( attached ). When I called for an explanation, they told me that they can not refund me because the complaint had been closed in XXXX and could not be reopened. 
I had provided clear documentation that XXXX had agreed to a refund. XXXX  will not speak to me directly and says that theyll only speak to my booking agent, XXXX. In the complaint to Barclays, I attached several emails documenting that XXXX has attempted to follow up with XXXX to no avail. Dozens of attempts to XXXX  have been made by XXXX and myself on the phone and through email. 
Thank you for your help.

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 monetary relief
Consumer complaint received 2020-07-14
Company: Santander Consumer USA Holdings Inc.
State: AL
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 had a car loan with Gateway One Lending in XXXX of XXXX. Unfortunately, I had to file bankruptcy in XXXX. When I did Gateway One was one of the lenders that were part of the bankruptcy. In XXXX of this year, Santander Consumer Finance reported an account that was part of my bankruptcy because they bought out Gateway One well after my account with Gateway One. Santander not only is filing on my credit that I had an account in BK with them but they are also changing a couple of the numbers to closely match the Gateway Account. Santander also showed the account as a charge-off with a balance which XXXX  has already removed and changed it to part of the BK and XXXX balance. I do not understand how Santander can show an account on my credit when I never had a loan with them. If they can, I ask how can they show the same account/loan filed under two different names, Gateway and Santander? I feel this is a very fraudulent report from Santander and needs to be removed from my credit. When Santander reported it last month my score dropped over 80 points. This made our mortgage company decline us buying our home. We hated to file BK, but we did and have been paying any and all of our loans perfect. How can an outside financial institution just add this to our credit just because they bought out a lender that we dealt with and again I say that we never had a dealing with. Not a contract or anything. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX   respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2020-07-14
Company: Experian Information Solutions Inc.
State: GA
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:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX XXXX XXXX  XXXX XXXX XXXX, 01 XXXX XXXX XXXX, 06 XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, DEPT OF EDUCATION/XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, Company Inquiries : 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 explanation
Consumer complaint received 2020-07-14
Company: EQUIFAX, INC.
State: GA
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:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, U S DEPT OF EDXXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, XXXX Company Inquiries : XXXX XXXX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
To whom it may concern, I would like to report you a mortgage fraud. 
In 2013 Wells Fargo Home Mortgage supposed to mail me a {$2200.00} check with the remaining of my mortgage account balance ( mortgage account number XXXX ), but after some check delivery problems and several phone conversations they promised to deposit it to my new Wells Fargo refinanced mortgage account ( after refinancing, the new mortgage account number XXXX ). 
I've contacted the bank several times by phone to verify it. The bank employees could not provide any documents but every time insured me that everything is O.K. and money is in the right place.

Recently I've contacted the bank again and requested the proof that my money is deposited the right way.

Another bank employee emailed me a copy of the check telling that I got this money a long time ago.

This is not true. I have never deposited this check and my signature on the check was forged.

When I asked him who and when received my money, the bank representative could not give me this information.

I noticed that my signature was forged by somebody who saw my real signature and suspect that is bank employees who stole and cashed my check, and was deliberately hiding the information about it for several years.

I think there is or was an organized criminal group operating in the mortgage department who stole my money and making everything that I could not report it to the police in timely manner deliberately feeding me false information to postpone the investigation. As far I know this type of checks is not even possible to cash without depositing to the owner 's bank account. This is definitely Wells Fargo Home Mortgage fault.

Please open an investigation about this incident I recently learned about.

Please see the attached copy of the cashed check and let me know if you have any questions. 

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 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
between XX/XX/XXXX till XX/XX/XXXX wells fargo fed the credit reporting agencies false information about my actual credit status

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 2020-09-12
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am in the process of finding a new apartment. My current lease ends at the end of this month. I've recently found a new apartment ; however, the new leasing office ( XXXX XXXX has been unable to pull my Equifax credit report, after various attempts. The leasing office receives an error telling me to contact Equifax. I've been calling Equifax numerous times a day over the past week, but they continue to quickly tell me that my file is not locked and that there shouldn't be any issue. The apartment is being held for 7 days, but I need to get this resolved ASAP or I may end up without a place to stay..The leasing office is  using a company XXXX XXXX to pull the credit report. I've confirmed that they are submitting my information correctly, but still it returns that it is unable to pull my Equifax Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX and TransUnion credit bureaus must check these inquiries ( A ). It is unacceptable to list these inquiries as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XXXX XXXX : XX/XX/2023 XXXX XXXX XXXX XXXX XXXXXX/XX/2XXXX XXXX XXXX XXXX  XXXX XX/XX/2023

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 2018-02-07
Company: EQUIFAX, INC.
State: OR
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:
After previous help from the cfpb on this XXXX account being reported as delinquent on my credit report the collection line was removed and there hasn't been a problem. but six months later as of XX/XX/2018 my fico credit score dropped 100 points because this XXXX account is being reported again in a way that shows a delinguint balance. there is no way for me to pay this balance or to pay XXXX any monies towards this account as they lost the class action suit with the cfpb and were directed not to enter the credit line and not to recover any payments towards accts. as I stated my fico score has not been impacted since the cfpb took steps to help me 6 monthes ago but as XX/XX/2018 it started coming up as a serious delinquency again. so I would like your help with XXXX   reporting this line once again when there is no way for me to satisfy.

Company response to consumer: Closed with explanation