BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-23
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: Investigation took more than 30 days

Complaint:
This complaint is NOT A DUPLICATE COMPLAINT but a complaint because I do not receive explanations of refusal or denials for my complaints and requests from XXXX XXXX, Transunion, and XXXX. Nothing. No letters of explanations, no phone calls, no reasoning, no positions ; nothing. I do receive letters from the Credit Reporting Agencies stating that they have forwarded to XXXX XXXX who claim that adhere to the Fair Credit Reporting Act ( FCRA ), by reviewing the accuracy and completeness of any disputed item. But they do not do this and simply rely upon XXXX XXXX who explains nothing. They do not explain reason why they did fraud investigation after charging off the account, then reducing the amount due, and leaving me responsible for a sum I could not afford to pay. Most if not all of my complaints and requests are either deleted by simply labeling the requests as duplicate, or stating facts, but never any explanations of why. THE PRIVILEGE OF RESPONDING IS TAKEN AWAY FROM ME WHEN THEY LABEL AS DUPLICATE. I sent sheriffs reports, IRS fraud affidavit, information on the felon who did this but XXXX XXXX refuses to explain and the credit reporting agencies feel they fulfill their obligation by pointing at another and sending form 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 2020-07-29
Company: Experian Information Solutions 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:
Experian and TXXXX credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: MST Financial Services, L.L.C.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The collection office has not provided the required documents showing this account is in default. My insurance and original service provider are looking and investigating the payment/ insurance part of this claim of {$350.00} for XXXX XXXX. I ask the collection agency to return the collection back to the original provider to resolve our issue, but they would not work with me. They have been bullying me to pay and I feel this will not only hurt my credit but all future prospective employers. They will not give me an interview or opportunity due to my credit been damaged by this collection. This company is problematic to consumers because of its practices of bullying and threatening consumers.

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 2020-05-30
Company: Receivables Performance Management, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I canceled XXXX phone service 2-3 threes ago after moving due to a different job and then had absolutely no cellular or data coverage. Since I have a XXXX XXXX I need to have a working phone. XXXX told me via telephone that I could close the account, pay {$100.00} and return the phone and that would be all I would owe. Now three years later a credit collection for {$610.00} showed up on my credit. I have never received a call or letter in the last three years asking or telling me about money owed. 
I contested it unsuccessfully thru XXXX. 
Three years ago I did the right thing contacting XXXX multiple times to figure out how to get reliable service. It was XXXX determination that they could not make my phone work. It was their decision to have me pay {$100.00} and return the phone. Both of which I did. 

It lists Recievables Performance XXXX XXXX XXXX XXXX XXXX XXXX Wa XXXX, XXXX. Shows a partial account number of 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 2021-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute for the incorrect items on my credit report its been more then 30 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 explanation
Consumer complaint received 2021-01-23
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
How does my FICO score drop by 20 points when nothing has changed? I utilize my credit card much less and my FICO SINKS 20 POINTS! Experian need 's to get out of the credit reporting field as they are utilizing dated monitoring practices! You can sue credit reporting agencies and as a furnisher under the Fair Credit Reporting Act this nonsense must stop! Thirty point FICO SCORE DROPS FOR WHAT?? Dated reporting algorithm and not to mention lawsuits accuse these systems of reporters of not properly investigating disputes, despite laws and settlements about the issue dating back decades. They have paid to wipe the internet clean of these truths but OUR likes and shares will go a long ways to resolve these crimes. I want these credit algorithms modernized and I likewise want a full explanation as to how to prevent these errors - " we the people '' WORK VERY HARD TO KEEP OUR CREDIT STABLE AND WILL NOT ALLOW THESE PHONY MACHINES TO CONTINUE WREAKING HAVOC IN OUR FINANCIAL JOURNEYS! 

I have filed a formal complaint - this is horrific! 



The XXXX XXXX XXXX has received your complaint and we are currently reviewing it. For your reference your complaint ID number is 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 2019-11-13
Company: Nationwide Recovery Systems, Ltd
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After receiving alert from credit monitoring I tried contacting Nationwide recovery SY. I was unsuccessful. I have never received any communication from this collection agency and don't know who they are or why they just started reporting this negative remark on my credit. I have no knowledge of this fraudulent debt they're claiming I owe. They are violating by reporting fraudulent debt and not sending any verification of it!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: Lending Club Corp
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Lending club automatically withdraw money from my investment account to a saving account but provides no means to access that money. They also have not responded to my email for over 2 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XXXX, I wrote to you requesting an investigation into items that I believed were INACCURATE, UNVERIFIED ACCOUNTS, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. PLEASE DELETE THESE ACCOUNTS FROM MY REPORT AND SEND AN UPDATE 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 2019-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have repeatedly disputed a loan account on my credit reports ( Transunion, XXXX and XXXX  ) as fraudulent, because it does not belong to me, since it first appeared. I even set up a fraud alert. Now, this fraudulent account is showing up as a collections account. The credit bureaus refuse to remove this fraudulent account from my reports. Please, 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 2021-05-31
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
In relation to your response to my claim number XXXX, I must insist. 

To Fifth Third Bank The following check is legitimate and corresponds to a federal student loan, of which I provided information when a bank employee requested it. The bank itself followed its usual protocol to pay me that legal check. 

Your bank closed my account based on information that is not accurate. The professional who made the decision stigmatized me and assumed that the second check was also fraud when it was not. I insist, I was the victim of fraud on a first check and then you took action on a legitimate subsequent check. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: Chime Financial Inc
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XXXX I received a XXXX form from Chime XXXX XXXX which stated I needed to complete the form due to a ssn audit. 

I completed the form & sent it back using the pre pains envelope On XX/XX/XXXX, I reached out to Chime to ask if they had received my XXXX ( because if not, I could of transferred my funds out to one of my other banks ). The customer service rep stated if I used the prepaid envelope, then they would receive the form & there is nothing to worry about Less then 24 hours later-I try to log onto Chime and my account is closed. Unfortunately, you cant reach them on the phone without an acct so, I talk to them via email. XXXX stated if I send a copy of my SSN and ID then they may possibly be able to open the account back up. That was at XXXX XXXX  and despite the fact that I have sent them numerous emails, no one responded. Also, I reached out to the the XXXX - who stated they will send my request to all of their card services team and someone will respond to me in XXXX days. This is completely unacceptable. When it comes to funds, a consumer should have better access to customer service to get these types of answers that are so needed. 

A couple of things that I want to mention : XXXX the ssn audit was prompted because I have a hyphenated last name and opened the account with one last name. Chime claims that the system matches names from deposits to bank accounts. However, I have had direct deposits go into my Chime account under my hyphenated last name. 

* they did not give a 30 day window to return the XXXX ( even though we are in a pandemic and its election year, PLUS the holidays ) they notified via email on XXXX that I was going to need to complete the XXXX that was in route to me via mail. I received the XXXX and on XXXX, I returned it via the business reply envelope they provided. They wanted it back by XX/XX/XXXX and if not, the account would be closed on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have two open fraud cases here against capital one. They are clearly guilty and now passively threatening to close my account due to funds they illegally withdrew. I have a PIN number restriction on my account to stop it from going under XXXX. 


They are attacking the victim while putting off the resolution. 

They ha e hacked my phone to steal the screenshots I already sent copies of as well. 

Arrest them

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: Coinbase, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
My Coinbase.com account was locked with no explanation. 

When I try to log in to Coinbase, I get the message " Sorry, account temporarily disabled.  Please contact support. '' I am filing this complaint after opening a customer service ticket ( I can provide the ticket number if needed ) with them and no action from them regarding the situation. I 'm not sure of the exact amount of money I have in Coinbase since the value of the cryptocurrency fluctuates and I check the amount in Coinbase, but it is approximately {$1200.00}. 

My acct was disabled on or around XXXX XXXX 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: AmeriHome Mortgage Company, LLC
State: AZ
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 notified XXXX  that Amerihome Mortgage was erroneously reporting that our home mortgage was included in our chapter XXXX BK. The BK XXXX was confirmed by the trustee and the judge and was signed off by the attorneys representing XXXX Mortgage that we were not in arrears at any time and that we will continue to make our normal payments directly and not thru our trustee. XXXX Mortgage has at times reported that we were late numerous times and that is a flat lie. We have never been late on our mortgage and we can prove it with documentation that is available to their counsel from their own website and we can further prove it with copies of the cashed checks. To add insult to injury, they continue to report that our entire mortgage was claimed in our BKXXXX filing and that we have been late multiple times. Again we have reaffirmed the loan and signed off and the mortgage company, Amerihome Mortgage also signed off agreeing to everything I just typed. We feel the attorneys representing Amerihome Mortgage is just rolling as many billable hours as possible. We are not the enemy and we have been treated like we are trying to pull a fast one on the mortgage company. When we contact the customer service department at Ameirhome they couldn't be nicer but have said on numerous occasions that their hands are tied by the legal department. I notified XXXX  of the error in reporting our mortgage status and within 1 hour I was notified by XXXX  that they deleted the trade line from our credit bureau. Now it appears that if you ran our XXXX  Credit Report, we would have no mortgage loan or payment history. It was deleted like it never existed. Where do I go from here? Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
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've reached out to transunion and my mortgage lender ( pennymac services ) about my mortgage loan not being reported to my transunion. Nothing is being fixed. I've waited more than 60 days. I've had the loan for 7 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05
Company: MIDFIRST BANK
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Requested mortgage assistance for several months and submitted financials and other documents several times. I call to follow up with the process and I've being given the run around with this stating they have not received documents on numerous times and now my up is up for a property foreclosure sale. I been working with my mortgage company for over one year. Recently I mailed the assumption package with my financials since I was told numerous times they never received my request. The mortgage company is giving me the run around and I need 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 non-monetary relief
Consumer complaint received 2023-01-18
Company: EQUIFAX, 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:
This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 


Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
California Business Bureau is claiming that I owe them more than {$500.00} for medical visits at at various hospitials. They are refusing to send me the original documentation that includes my information and patient information. I had insurance at the time of this incident so I should not owe them

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
This is the compliant for the receiving bank. I initialed a wire of XXXX dollars from my XXXX  account to Wells Fargo on XX/XX/2020. After half year its never there. XXXX keep telling me they tried to reach Wells Fargo and never got a response for months. Is this even normal? My receiver called and there was no pending wire. I need the money back badly. My XXXX  account number is 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 2020-05-30
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 am writing due to an act of non compliance with credit reporting agency, Experian, I strongly believe that they are in violation of the FCRA due to deletion of XXXX XXXX  account and reinsertion without providing written notification as required. 
On XX/XX/2020 Experian deleted XXXX XXXX  account from my personal credit file when disputed for inaccuracies. This deletion took place 45 days after they received my initial dispute letter via certified mail. Experian re-inserted and updated this XXXX XXXX  account on XX/XX/2020. Experian did not and still has not provided written notice for this reinsertion as it is required by the FCRA. 
On XX/XX/2020 Experian sent a series of electronic notices mentioning this same deleted account had a dispute opened and updated on that same day. I phoned Experian to explain that I did not resubmit new disputes for what was an already deleted account, Experian claimed these notices of the reinsertion was actually Experians own internal disputes. I have since mailed Experian an affidavit of facts pertaining to the reinsertion in attempts to avoid court proceedings for this illegal reinsertion.

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