BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is a tax lien on my credit report with XXXX. It is not mine. I have the same name as my father. They are confusing me with someone else. I contacted the IRS AND STATE CONTROLLER OFFICE and confirmed that this does not belong to me. I disputed this with XXXX and they are continuing to report this on my credit. The IRS stated that they never verified anything like this on me to XXXX and that they do n't do electronic verification. XXXX failed to respond to my dispute on this error. it has been past 90 days

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 2019-06-05
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:
In XXXX I got my credit report online and realized XXXX, Experian and XXXX XXXX are all reporting the same account twice. Once for the Original creditor ( XXXX XXXX ) and once for the XXXX XXXX ( XXXX XXXX XXXX ). I am aware that no account should be reported twice or duplicated on my credit report. 

On XX/XX/XXXX I mailed my dispute notifying each of them of this error. When my online account updated on XX/XX/XXXX, I see that both accounts are still reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In XXXX I got my credit report online and realized XXXX, XXXX  and Trans Union are all reporting the same account twice. Once for the Original creditor ( XXXX Bank ) and once for the Collection Company ( XXXX XXXX XXXX ). I am aware that no account should be reported twice or duplicated on my credit report. 

On XX/XX/XXXX I mailed my dispute notifying each of them of this error. When my online account updated on XX/XX/XXXX, I see that both accounts are still reporting.

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 2022-08-05
Company: EQUIFAX, INC.
State: DE
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Borrower is requesting the help of the Consumer Financial Protection Bureau to assist him in having his mortgage company correct several accounting errors in their ledgers, that do not conform to the Loan Agreement Agreement. On XX/XX/XXXX, the Borrower, had a Mortgage loan held by Bank of America ( BOA ) with a beginning principal balance of {$430000.00}. On XX/XX/XXXX, BOA transferred the loan to XXXX XXXXXXXX XXXX  ( XXXX ) for servicing, which at that time of the transfer had a balance of {$420000.00}. On XX/XX/XXXX, XXXX entered into a Loan Adjustment Agreement ( LAA ) with the Borrower. 
Shortly after receiving XXXX first monthly statement, Borrower noticed that the statement did not accurately reflect the terms of the LAA. Upon noticing the inaccuracies, Borrower contacted XXXX numerous times to ask them to correct their monthly statements to no avail. On XXXX XXXX, the loan was transferred back to Bank of America. Borrower also contacted BOA on numerous occasions to ask them to correct their ledger to no avail. 
Contrary to the LAA, XXXX reduced the original unpaid principal balance of {$420000.00} by only {$24000.00}, and therefore incorrectly calculated the new principal balance as {$400000.00}. Pursuant to the LAA, the original principal balance of {$420000.00} should have been reduced by {$27000.00}, and the new principal balance should have been correctly reflected on XXXX statements and ledger as {$400000.00}. 
Also, contrary to the LAA, XXXX statements indicate that XXXX added {$51000.00} to their incorrectly calculated new principal balance, and that XXXX intends that the {$51000.00} be paid as a balloon payment on the maturity date. But, according the LAA, interest should be waived on {$51000.00} of the XXXX XXXX, and if the Borrower fails to make timely payment on the final {$51000.00} of the principal, then the waived interest on the {$51000.00} becomes due as a balloon payment on the maturity date. 
Also, XXXX statements and ledger incorrectly show a 4.5 % interest rate on the loan, but the LAA clearly states that the interest rate on the loan is fixed at 3.5 % for the remaining life of the loan. 
Because of XXXX deviations from the LAA,  XXXX ledger shows that, for the 28 months that the loan was with XXXX, the original principal balance was reduced by {$24000.00} and that the Borrower made total principal payments of only {$8800.00} ; for a combined total reduction of the original principal of {$32000.00}. Therefore, at the time the loan was transferred back to BOA for servicing, XXXX miscalculated the principal balance as {$390000.00} instead of the actual {$370000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I applied for XXXX XXXX 's pre-approval on their website, which clearly states " Checking your rate won't impact your credit score ''. I was given an approval of {$1500.00} at 100 % interest and decided not to move forward. 

On XX/XX/2019 I contacted XXXX phone support ( XXXX ) XXXX to find out how to cancel the Better Cash pre-approval I had received so that I could take out my XXXX XXXX {$500.00}, no credit check loan. 

( XXXX XXXX & XXXX XXXX are apparently the same company and you can't have a pre-approval with XXXX XXXX and get the no-credit check loan with XXXX unless you cancel the pre-approval. ) If they listen to the phone call recording for my account at XXXX Pacific on XX/XX/2019, theyll hear that the representative at no time warned me that by going through the application process to Decline and Cancel the XXXX XXXX loan offer, would I incur a hard credit inquiry. 

She consistently told me to continue clicking through the options, not to bother reading anything ( as it wouldnt apply ) until I got to the option to decline the offer. 

HOWEVER, after clicking through the options, and finally getting to the page that offered the Decline button, I began receiving notices from XXXX XXXX and other similar services I use to monitor my credit, that XXXX XXXX DID IN FACT check my credit report with a hard inquiry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: Performance Settlement, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I begin using Performance Settlement in XX/XX/2016 in which they promised to dispute wrong information, to settle debts, and increase my credit score. The company never settled any debt and they never increase my score. They took {$5600.00} and no debt were settled as promised and they offered to give me a loan for {$2400.00} to take an advance which is illegal in California. The company never disclose everything they were trying to settle were charged off and it would not increase my score but might hurt my score. They were suppose to save the money in an account until it was enough to settle. When asked how much was in account was {$1.00}. A refund was requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: WELLS FARGO & COMPANY
State: FL
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:
Hi i requested a dispute on XX/XX/XXXX for services i paid for but were not provided to me. 

On XX/XX/XXXX and after calling several times on XX/XX/XXXX, Wells Fargo bank said there is no way they can help me with a dispute because the transaction was done with XXXX and they don't have any dispute rights and to call XXXX. 

I called XXXX and they said is incorrect, this is their response : " I fear Wells Fargo is mistaken : If the funds were taken from your bank account, you have the ability to dispute those charges with your bank. If you file a dispute with your card-issuing bank, XXXX will work with them as they decide the dispute. Disputing a charge on your statement is within your right as a cardholder. '' " I am really sorry for the experience you are having with your bank. They can and should be willing to help you begin the Dispute process. '' " At this point, XXXX will work with your bank to resolve the dispute. " I again called the bank, i have done that several times and explained to them that they are violating my rights and they just dont care, they said they dont have dispute rights. 

I was a victim of a fraud, i need the wells fargo bank to help me with this and i need 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 explanation
Consumer complaint received 2019-06-05
Company: I.C. System, 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:
I C system is a collection for XXXX XXXX.I lived in XXXX, texas XXXX XX/XX/2016 I XXXX with XXXX and moved to XXXX, texas this is my present home.upon moving here in XX/XX/2016 XXXX XXXX was NOT available in my location!!! I then called the cable company and had cable tv installed.I am on a collection {$320.00} for not continuing my service with XXXX??!! I had this collection removed from my credit report two years ago but now I C Systems a new collection company once again placed this derogatory information in 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 2018-04-02
Company: EQUIFAX, INC.
State: PA
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:
For the third year in a row, Equifax refuses to give me my credit report. I use the XXXX site, plug in my personal information, answer their security questions and then they refuse to give me my report. They say I have to mail them all kinds of documents with my personal information on it. This is an extremely unsafe and unreasonable requirement that puts my personal information at significant risk. They should provide my information online, like the other 2 reporting agencies do every year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX stated that on XX/XX/2020 documents were served by XXXX XXXX however they were not. A civil suit was entered and I, the consumer never received hard copies. Per the declaration of service, the declarant stated that he spoke with a subject through an intercom and advised to contact the client. No documentation states that paperwork was received or given to anyone. As a result, the declarant could have been speaking with any residences of the household through an intercom system ( XXXX XXXX ). No documents were left detailing the matter at hand. In addition, I have been paying the debt collector monthly and speaking with numerous representatives and no one provided a formal Stipulation of Settlement. No representative can provide a copy of the settlement detailing my signature. I am seeking clarification and formal adjudication for this unresolved issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 tried today from transunion and XXXX to get my credit report.They tell me my information is incorrect or there are some kind of technical difficulties. I have not been able to get my credit score or a report for about 5 years. I want to see what debt I owe and what my score is but I can not obtain the information. I have tried every year and they continue to tell me something is in error. Please help me get my information it is my legal right. 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 2019-03-01
Company: EQUIFAX, 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:
I contacted the creditor ( XXXX ) directly and they agreed that the account information did not belong to me. I provided them with all documents requested and they sent me a letter stating I was not responsible for the debt. I forward the letter from the company to Equifax and they still would not remove the account. They actually made the account a paid collection which is hindering my FICO scores. It is not my account and it should not report on my credit file. It was a case of identity thief. 

I have proactively put a " Freeze '' on my credit file to help mitigate the risk of fraud. This is the third ( 3 ) time I have fallen victim to this crime and I am suffering financially every time I apply for credit. This is my  very last option.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I wired Coinbase {$14000.00} to purchase Bitcoin. I 'd contacted their support department first on XX/XX/XXXX in regards to this wire not posting to my account. All of this was done under Coinbase Case ID # XXXX, I again tried to contact them through their online support system since they do not have phone support on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have been told that my case is with the correct support team and that is it, I 've received no estimated time my money will be available to me or any reasonable contact to make me believe my {$14000.00} is not just lost and/ or stolen or any number of other possibilities. I put in a Better Business Bureau complaint and all Coinbase has told me from that is the same reply that my issue is in the correct teams hands without any idea if or when my money will be provided back to me. I ultimately just want what I sent Coinbase my {$14000.00} for, Bitcoin. I think it is completely unbelievable that they have had my money for now over 2 months and I just keep getting the run around that the correct team is engaged but I have gotten zero resolution and really awful support.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: DISCOVER BANK
State: IN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On or Before XX/XX/2019 Discover Bank wrote me a letter telling me someone, open up more than ( 4 ) accounts in my name : XXXX XXXX XXXX and the Discover Bank, had investigated, and still investigating this case of Fraudulent and this is my ( 2 ) Identity Theft And it took me ( 10 ) yrs for my first Identity Theft case with someone @ XXXX @ North Carolina.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Ditech bought out my mortgage from XXXX XXXX which was later bougth out by XXXX XXXX. It shows I have 2 open mortgages and my credit card companies are lowering my credit or closing my accounts. I called and emailed Ditech and I have gotten no answer. This needs to be removed quickly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: First National Collection Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
COMPANY CONTINUE TO SEND DEMAND NOTICE FOR FRAUD ACCOUNT NOT MINES, ACCOUNT OUTDATED OVER 6YRS OLD ( CALIFORNIA STATE STATUE OF LIMITATION HAS EXPIRED TO COLLECT 4YRS OPEN ENDED CREDIT CARD ACCOUNT ), COMPANY VIOLATES " FDCPA, FCBA AND FCRA '', FORMAL COMPLAINT FILED WITH " XXXX '' CASE # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am very upset that I pulled a copy of my credit report just to find several accounts that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: JPMORGAN CHASE & CO.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My Attorney sent Mr. XXXX, a Demand letter to negotiate a return / refund of my {$170000.00} that I wired to Me, XXXX XXXX XXXX, on XX/XX/2021 from the XXXX XXXX branch located at XXXX. XXXX in XXXX, IL. 

The funds described above were wired to XXXX for the sole purpose of obtaining an engagement contract with his artist, XXXX XXXX. The contract that is the subject of this letter, has not materialized as of the date of the Demand letter and XXXX has my {$170000.00} In fact, shortly after wiring XXXX  the money, I received a phone call from XXXX XXXX of XXXX XXXX XXXX that he too; had wired XXXX a {$170000.00}. However, in Mr. XXXX case, XXXX had already executed a contract with XXXX on XX/XX/2021 for your artist, XXXX XXXX which was 10 days prior to the XX/XX/2021 date XXXX tried to do with me. 

The contract XXXX executed with XXXX XXXX is for the same time and period that XXXX had negotiated for with me for which I 100 % believed my {$170000.00} was securing but later found out something different. 

Again, as of todays date, Mr. XXXX, have failed to deliver an executed contract to Me " XXXX XXXX '' for his artist, XXXX XXXX, and XXXX have failed to return my hard earned {$170000.00}. 

So my attorney sent Mr. XXXX a demand letter as formal and final DEMAND for the return/refund of my {$170000.00}. the letter was sent out on XX/XX/202, we gave Mr. XXXX 10 days from the date of the Demand letter that was sent to contact my Attorney 's office at the contact information listed in Demand letter or he could have contacted Me " XXXX XXXX '' directly to arrange payment.we also stated in the demand letter that if we dont hear from him within 10 days of that letter. We are going to pursue any and all legal actions Mr. XXXX that are available to us for a lawsuit. XXXX XXXX has already been reported to my local law enforcement, I filled a report, wrote a statement, filled a complaint with FTC, filled a complaint with ic3.gov, filled a complaint with US Attorney and filled a complaint with FBI Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: CITIBANK, N.A.
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 status incorrect

Complaint:
XXXX XXXX XXXX is reporting an erroneous late on my credit file and it must be removed. I recently checked my credit and noticed a XX/XX/2020 late reporting. I have had this account for a while and have yet to be late. I was very confused as I had made my payment online on time for that date. I always make my payments online and usually have no issue however, it looks like they never took out the payment? The funds where there, I had paid the bill online but they didn't process it and I get reprimanded for a mistake that I did not make? The payment was made on time and this late must be removed, this is not my error.

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