BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Received a text message on XX/XX/21 from business claiming to be XXXX as follows : < # > ; Someone Just Ran A Background-Check 0n You Through A XXXXDatabase. Find 0ut  Who ; XXXX : XXXX Then on XX/XX/21 a text from someone claiming to be Transunion sent the following text : Re : TRANSUNI0N Has Placed A Temporary Hold On Your File For Unusual Activity. Resolve This Issue Here : http : XXXX I did not open the link in message and have not sent money/gift cards to anyone. I simply want to let someone know that I received these messages but have not been able to speak to a customer service representative at either credit reporting bureau to have them check on these messages.

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 2021-03-07
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
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 no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
{$1000.00} in XXXX chase accounts being held by bank. Cant access funds wont give money back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
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 a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am having trouble submitting my Identity theft Police report to TransUnion. Rather, to have TransUnion accept my Report. TransUnion has made the determination that my " ID Theft Report not valid. '' Could someone at CFPB look at my Identity theft Police Report and tell me the reason or reason it is not valid? I have reached out to TransUnion by letters, but have not yet received a response to any of my letters as to why my Identity Theft Police Report is not valid. 
Likewise, I have brought the TransUnion letter to the XXXX Police Department. The Detective, XXXX XXXX, assigned to my Identity Theft Case does not know the reason why TransUnion has determined that my Identity Theft Police Report is not valid. 
Also, could someone at CFPB tell me what is the criteria that makes or does not make an Identity Theft Police Report not valid? If I have that information, I can inform the XXXX  Police Department to make the correct changes that would make my Identity Theft Police Report valid, so I will be able to submit a valid Police Report To TransUnion.

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 2023-04-25
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received my debit card today and when I tried to activate it with my PIN as requested, I was told the PIN was incorrect ( it wasnt ). When I got home I tried to login to my account and it said my password was wrong ( it wasnt ). I then tried lost password and it said my username didnt exist. I called Truist and was told my account is frozen, I have to visit a branch immediately and that I would never be able to withdraw funds from this account. These thieves have stolen my money!

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 2023-07-21
Company: EQUIFAX, INC.
State: IL
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 kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have already sent a request for the immediate removal of the accounts this XX/XX/XXXX but the accounts listed below are still reporting on my credit report and are violating the Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$770.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4600.00} XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$470.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2400.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}

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 non-monetary relief
Consumer complaint received 2022-03-08
Company: Experian Information Solutions 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:
I, XXXX XXXX am a victim of identity theft.

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 2019-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/2018, my Bank OF America credit card # XXXX was unilaterally cancelled by BOA. At the time of cancel, I had accumulated XXXX reward points with a cash value of {$2100.00}. This amount was available to me at any time as a cash refund, or as a credit on future purchases, or as a payment on the current balance. 

Bank of America has refused to give me my {$2100.00} in cash, credit, or any other way. By phone, they said once the card was cancelled, the points disappeared and were no longer available to me. 

This is theft without recourse.

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 2019-08-20
Company: NCB Management Services Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Ncb management service a debt collector trying to collect a debt that I don’t recognize, a wrong balance they have it as an open account reporting it every month with a balance . They are violating my rights and damaging my credit score is costing me money . I demand to delete it of my XXXX  credit report and any other credit agency!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: JPMORGAN CHASE & CO.
State: NY
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:
On XX/XX/XXXX charges yo my account where done without my authorization. These charges started increasing until I noticed them. These charges where performed overseas. My initial claim. Was denied. I then sent proof of my expired passport and work time sheets to prove these transactions was not done by me. Since chase claims they are indeed mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: Shellpoint Partners, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
You see we have gone from a house payment of {$1400.00} to {$4000.00} -- - with no clear or foreseeable end -- - This is only a estimate -- - offer will be given after I pay {$12000.00} ... History show I am not XXXX Stupid or CRAZY so this will not be entertained I had completed Shellpoints twice before TPP before and paid them -- -- -- then they give a new amount ( THE WHOLE DOLLARS ACCORDING TO SHELLPOINT at 11 % INTEREST ) on a new 40 year mortgage at {$4000.00} with a WHOPPER BALLOON when I am XXXX XXXX XXXX AGAIN I AM NOT XXXX STUPID OR CRAZY -- -- -- -- -- -- NEW TRIAL PAYMENT OFFER -- -- -- -- -- -- -- -- MY GROSS INCOME ALL THE MONEY IS AT {$8500.00} for three of the HIGHEST MONTHS OF INCOME XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX- {$8500.00} -- -- - Then my Deduction on EXCURSIONS the CAR BUSINESS of {$850.00} per month- and the Deduction of the MORTGAGE ON MY COMMERCIAL RENTAL FOUR PLEX of {$2600.00}. That would CLEARLY LEAVE the INCOME for XXXX XXXX XXXX at {$5000.00} - with a new proposed mortgage payment of {$4000.00} WHO IN THE WORLD BEING A CREDITED FINANCIAL INSTITUTION OFFER A MORTGAGE TO A CLIENT at AT 20 % TWENTY PERCENT INCOME TO MORTGAGE PAYMENT THE LOWEST ALLOWED FEDERALLY IS 35 % - SURE THIS IS NOT A FEDERAL NOTE ITS A IN HOUSE FIANCE PROGRAM -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: Circle Internet Financial
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
This issue involves the cryptocurrency exchange XXXX. On XX/XX/XXXX I deposited 2 bitcoins and converted it to monero. When I tried to withdraw, it did not go through. I opened support tickets and contacted a representative via XXXX and was told that the funds needed to be reviewed before being released. The funds were locked away in the attempted withdraw as the currency dropped in value but was released at the end of XXXX. I still could not withdraw so i moved the funds over to their lending platform on XX/XX/XXXX. Now on XX/XX/XXXX they have announced they have had losses on the Margin trading on XX/XX/XXXX so they are reducing all lending accounts by 16 % taking from the customers to cover their losses.

This is a big issue as 1 ) they have not given me access to my funds for 2 months, and 2 ) have taken a 16 % cut for an event that happened before I moved my funds to their lending platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: Debt Recovery Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Debt Recovery Solution is reporting a negative item of collection amount of {$99.00} on my XXXX and XXXX credit reports. Date reported opened XX/XX/2018. 

THIS WAS A URGENT CARE VISIT AND THE HOSPITAL NEVER SENT TO MY INSURANCE, WHICH COVERED THE VISIT/SERVICE. 

Debt Recovery Solutions is reporting on my XXXX and XXXX ) credit reports without every notifying me of this debt. My insurance company informed me that the payment was made to XXXX XXXX XXXX and there is not balance outstanding. 

This is inaccurate collection on my credit report is adversely affecting my life ... I have been denied employment, credit from credit cards and mortgage loans, leading to my divorce and extreme medical issues from the stress. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
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:
I, XXXX XXXX am a victim of identity theft.

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 2019-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AFTER REVIEWING MY CREDIT REPORT I HAVE NOTICED SOME INACCURATE ACCOUNTS AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I HAVE NO IDEA HOW SOMEONE COULD GET INTO MY CREDIT AND DO SUCH DAMAGE BUT PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2019-06-07
Company: WELLS FARGO & COMPANY
State: VA
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:
As a follow up to CFPB Ref # XXXX. Wells Fargo is claiming that they did not send 30 day delinquency when in fact they sent my spouse a letter claiming they did report in error, which I will attach for review. CFPB case XXXX for XXXX XXXX XXXX. My credit score went down 15+ points to the error from Wells Fargo 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 2017-12-20
Company: Coinbase, Inc.
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX at XXXX PDT I sent an email to Coinbase asking why they never received a Litecoin transfer. 
On XX/XX/XXXX at XXXX PDT I received an follow up email from Coinbase XXXX 
On XX/XX/XXXX at XXXX PDT I responded letting them know that I was scammed buy a fraudulent web site and I resolved my issue. 
On XX/XX/XXXX at XXXX PDT Coinbase responded with an email saying they disabled my account on the same day a wire transfer went through into my account with them of the amount of {$400.00}. 
On XX/XX/XXXX at XXXX PDT I responded via email that they did not have to disable my account because the issue was resolved. 
On XX/XX/XXXX at XXXX PDT Coinbase response : Hi there, Thanks for your reply. We are trying to understand your initial claim of unauthorized activity regarding a phishing attack. 
The initial 2LTC deposited to your account were sent externally from an XXXX device. Can you confirm the date and amount of the unauthorized send? The same device was recently used in connection with your account. Can you please provide us with the URL of the website that you visited so that we can investigate further? 
Please note that your account will remain disabled until our investigation has concluded. You are solely responsible for the security of your devices, email, passwords, and 2fa codes. 
Thank you. 
Coinbase Support On XX/XX/XXXX at XXXX PDT I responded to Coinbase with the information they wanted. 
On XX/XX/XXXX at XXXX PDT I had not received a response. I sent an email asking if they received my email. 
On XX/XX/XXXX at XXXX PDT I sent an email asking Coinbase to refund my money. 
On XX/XX/XXXX at XXXX PDT I called Coinbase customer support and they said my work order was closed. They reopened the work order and put my work order at the end of the que. 
On XX/XX/XXXX at XXXX PDT I received an email from the email I sent on XX/XX/XXXX at  XXXX PDT asking me to reply with a statement. 
On XX/XX/XXXX at XXXX PDT I replied with the following : I believe my devices, email account, and 2FA applications are secure, please enable my account. 
Today XX/XX/XXXX at XXXX PDT I have not heard back from Coinbase . All I want is my money back. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: CORELOGIC INC
State: CA
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:
As per my rights all the information in my credit report should be accurate and verifiable.

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 2022-12-23
Company: Experian Information Solutions Inc.
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2018-12-14
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A derogatory medical debt was reported to my credit bureaus. I never received a letter from this company, therefore, I didn't receive the notification to collect a debt or my right to dispute the debt within 30 days. I pulled my XXXX  report and the following was on there : IC System Collection XXXX XXXX XXXX XXXX XXXX, MN XXXX Updated XX/XX/18 Says I owe {$95.00} I tried to login to their website to get more information and it says I need a reference # from the letter they sent me. However, I don't have one as I never received a letter from them.

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 2023-01-14
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 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 response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: Ad Astra Recovery Services Inc
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX, I received a call from this company. I advised them that the alleged debt they claim I owe is not a debt that I recognize. I pulled my credit and submitted a dispute through the credit bureau. At that time, I also mailed a written dispute and a request for validation to this company - Ad Astra Recovery Service. I gave them 30 days to respond and advised per the FCRA they are required to provide this to me or they must stop reporting and cease collection efforts. I never received a response in writing. They only responded to the credit bureau as " verified as reported ''. How can a company claim its verified if they can not even send the consumer proof of the alleged debt? I just pulled my credit again in XX/XX/XXXX and noticed the tradeline is still on there. I followed up with them again and they claim they never received my letter back in XX/XX/XXXX This is very unfair to me. I did everything I was supposed to do per the law and they are not complying or following the law. This is an unethical business practice. This is not my debt. I am have repeatedly disputed this with them. They are not following the FCRA guidelines. If they are doing this to me, how many other consumers are being affected by this company? They should be investigated.

Company response to consumer: Closed with explanation