BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
Today, after receiving an email welcoming me to subscription streaming application, and having other recent suspicious activity, I started to think I may be vulnerable to identity theft. In being proactive, I have contacted the 3 credit bureaus. I have several complaints about TransUnion. 
1. When looking at my credit report, I discovered that I am able to get my XXXX from XXXX XXXX for free, but must pay TransUnion {$9.00} for the same information. Calling TransUnion confirmed this. They confirmed the security freeze is active and a new fraud alert, through XXXX, would be put on my account. 
2. When looking at my account inquires ( both soft and hard ), I discovered 2 soft inquiries done XXXX and XXXX, both from TransUnion. This puzzled me. I called them, and the gaslighting began. I have spoken to 5 people at this agency. This is the jest of what I heard them explain why TransUnion is pulling a inquiry : Since I have an account with XXXX XXXX, they have pulled the report, after it was requested by me ( through XXXX XXXX ). How would TransUnion know if this request was made to XXXX XXXX? I was told because they are the affiliate. The thing is I never did make this request through XXXX XXXX. I've been using XXXX XXXX for years, and never had an inquiry. Is this a coincidence that I have reason to believe my identity has been compromised and these " soft '' inquires are showing up? Who else are their affiliates? Also, I have a freeze on my account for almost a year. How is it that inquires were made at all? No reasonable explanation is provided. 
Here are the lines from Account Review Inquiries : " TRANSUNION XXXX XXXX XX/XX/2023 ( my name ) via XXXX XXXX  XX/XX/2023 These above examples are the first time this has been done. 
3. I understand it is my responsibility to monitor my scores. I do that. But to think TransUnion ( a monitoring agency ) is pulling a soft inquiry. It alarms me. 
4. TransUnion makes me pay {$9.00} for each report. Access to the score online is NOT an option, unless TransUnion gets money. Without paying, I am left in the dark of any changes. Given the recent events, I would want to check it regularly. It is outrageous that a monitoring agency would charge this much. I have to wonder is TransUnion part of the identity thief ring. Pay or get you identity stolen. Isn't that why we monitor so these thieves won't steal money? Seems to me damned if I do, damned if I don't.

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 2019-12-22
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 was shocked when I reviewed my credit report and found late payment on XXXX of 2019. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: McCarthy, Burgess & Wolff, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX Mc Carthy Burgess & Wolff agency called my work. They insisted on know my full name even though I only answer the phone here. When I asked them if they were calling to speak to an attorney they told me they could not answer any questions until the gave my full name. When i explained I was just an employee and not even the receptionist and did not wish to give my name, the refused to give me any information. They again called at XXXX XXXX  on XX/XX/XXXX. This time I gave my name but they refused to tell me if they were calling to speak to an attorney until I spelled my name. I don't know why they're calling, and I do not wish to give my full name and other information if they're not calling to speak with me. I consider this a form of harassment and an attempt at identity theft.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We were scammed by a company called XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. They offered to help us avoid foreclosure for a {$200.00} start-up fee plus a {$1400.00} overall fee for their services. Although we paid all fees they asked of us, we later realized they did nothing to help us catch up or get our mortgage amount reduced. After awhile, they would not answer their phone. Later in XX/XX/XXXX, XXXX XXXX XXXX bought our mortgage. Initially, they stated our mortgage balance was {$190000.00}. Because of XXXX XXXX 's non-help, we asked Green Tree for help so we could get current with our mortgage. Green Tree refused to help, sent threatening letters, did not communicate with all representatives within their company, made harassing phone calls to us, and insisted we pay a larger than usual amount for our mortgage payment. We paid mortgage amounts of {$2200.00} because of one rep., {$1700.00} because of what another rep. stated we needed to do, and other amounts because Green Tree could not give us consistent amounts we needed to pay. Overall, we paid {$50000.00} to Green Tree and yet, they still listed our balance as {$240000.00} as if we paid nothing at all the whole time they held our mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: EQUIFAX, INC.
State: GA
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 been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I used to have an account with XXXX for wireless services. In XX/XX/2021 I purchased a new device for {$830.00}. XXXX double charged me. One charge for {$830.00} and another right after for {$820.00}. I contacted XXXX to let them know and I got the runaround for over a month. XXXX kept saying that they would refund the accidental charge. When I realized that they would not I contacted my bank and submitted a claim. I also closed my account with XXXX as of XX/XX/2021. My bank was able to recover the funds from XXXX but after that, they stated that I owed them those funds. They have clearly stated that it was an accidental double charge and they would refund the funds but did not. I have the chat logs. Now I have a collection agency contacting me stating that I owe them those funds. I challenged them and they just sent me a validation letter. All the validation letter is a copy of my XXXX bill. I provided the collection agency with bank statements showing the double charge, chat logs showing XXXX tech support stating that they owe my a refund, The complaint form I filed with my bank and the bank statement of when the funds were recovered. I do not know what to do now.

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 2018-03-07
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
In 2012 I qualified for a HAMP loan that was administered by CitiMortgage. Among many things the paperwork read that I could qualify for what was called " Pay for Success '' incentive. If I my mortgage current each year I would receive {$1000.00} towards my principle reduction, then on year 6 another {$5000.00} for a total of {$10000.00}. This incentive is mentioned everywhere including The Making Home Affordable Handbook. 

Citi did reduce any balance or credit me with anything. I reviewed my statements. Additionally I contacted them and they said they did and sent me a payment report that had different numbers from my monthly statements, but those did not add up to any {$5000.00} principle reduction. 

Last year my loan was sold to XXXX XXXX ( XXXX ) and they told me that any incentives must be paid by Citimortage since they were incentivized by the Gov't, but the year 6 incentive would be processed by them. 

I called XXXX Making Home Affordable but they could not help me. 
I hope I am mistaken and they followed through on their committeemen, but if they didn't there maybe others out there who need help as well. 

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 explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions 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:
I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXXXXXX 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 2022-01-16
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Coinbase Case # XXXX On XX/XX/XXXX at XXXX I received a " Notice of account closure '' through email at my address XXXX. 

I was manually logged out of my Coinbase Pro account where my funds were being held. I was no longer able to log in and access my funds. 

I called CB customer service and opened a case. I received a follow up email stating that I could no longer buy, sell or withdrawal to my bank account. But I could move my currencies off the exchange to a external wallet. 

Although I was no longer able to log into the apps. I was able to log into the Coinbase web page where my bitcoin and ethereum coins were showing. But my GALA  tokens were not showing. 

They moved my Bitcoin and Ethereum off my pro wallet back to standard Coinbase but did not move my GALA  tokens worth $ XXXX. 

I replied to the email starting the above situation and was responded with generic computer message stating I was able to move my funds off Coinbase but they didn't respond to the fact I told them they didn't move the GALA  tokens. 

I called again and spoke to a customer service representative and expressed this situation again and told them they need to move the GALA  tokens to the Coinbase webpage so I could move them off the exchange and close the account. 

After multiple waits I was told they were not able to move my GALA. They escalated it to email where I'm sure to have the same run around as I've had the last 5 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: CITIBANK, N.A.
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/21, I noticed on the XXXX app that Citibank closed my savings account without my consent and without notifying me in any way. 

The original reason the customer service representative gave me was that the customer ( me ) requested it. I said this was not true. 

Then they said it was because my account had not been active for 6 months and they closed it due to 'security reasons. ' Which is absolutely absurd, but I guess Citi has their own reasons. They said the money will be sent ( was sent on XX/XX/21 ) to the address they have on file and should arrive in XXXX days. 
This also shows that they straight up lied to me first - when they told me I had requested the account was closed. 

The real reason I'm mad is because there was no notification that my account would be closed, but Citi claims they emailed and texted me. I have checked my emails and texts, and I have no such notification. I also don't have the check they claim they sent me, so I just have to hope they aren't lying to me about the {$10000.00} I had in that savings account is sent in a check in the mail.

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 2023-03-14
Company: Experian Information Solutions 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 became a victim of identity theft a couple of years ago after that, I see a lot of inaccurate and authorized items in my credit report please these authorized items which are not authorized by me 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ( consent ). By law, NO consent is 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 2023-07-14
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:
I am XXXX XXXX XXXX and I am submitting this complaint and there is no third party involved. I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 
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 and 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 2023-11-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/2023 I submitted a claim to CFPB concerning a request that I sent to all 3 bureaus on a dispute regarding information that is being reported. However, CFBP closed submission because one of the bureaus XXXX responded with a remark saying claim was verified. 

My concern how was this verified? I continue to ask for this information. So, now I'm asking for re-investigation. 

According to the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding the procedures of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available Please note, a third-party furnisher of information, such as XXXX, XXXX XXXX, or an alleged creditor does not meet the standards set by the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) ONLY the Bankruptcy Court should be the furnisher of information, not a third-party source. According to the bankruptcy court ( letter attached ), they do not verify bankruptcies with the credit bureaus. demand direct, not third-party, proof according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) or deleted the bankruptcy from my record according to FCRA, Section 609 a ( 2 ).

Please provide me with : 1. Court House name 2. Name of person who verified Bankruptcy.

3. Court house address, telephone number 4. Documentation used to verify dispute

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 2023-03-14
Company: Experian Information Solutions Inc.
State: PA
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 have a credit fraud alert on my account. Credit is still being ran and inquiries are being made om my report without my consent or knowledge. 
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 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-03
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Based on the fact that the credit bureaus ignored my numerous requests to provide documentary proof that they used to verify the disputed accounts, which means that they have not verified or they can not verify any of these accounts. They failed to identify the name of a responsible person in the company who verified the accuracy of these accounts. Besides, they have not submitted evidence of the investigation, reinvestigation ( method of verification ) by giving me names and addresses of persons contacted, nor they have removed anything found inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 shocked when I reviewed my credit report and found late payment on XXXX of 2019. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: DISCOVER BANK
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On Friday XX/XX/XXXX, I responded to a XXXX XXXX XXXX advertisement for XXXX XXXX Tickets. ( XXXX ID : XXXX ; XXXX XXXX   XXXX ). The advertisement was for 2 tickets for {$470.00}, based out of XXXX, XXXX. I was in XXXX, XXXX at the time but reside in XXXX, XXXX. The ad said to text them ( XXXX ) to set up the ticket transfer. They explained that they could accept payment through XXXX XXXX, XXXX, or in person. Unfortunately, in person was not an option for me, so I elected XXXX XXXX. They sent me an invoice from the account XXXX for {$470.00}, claiming that it was a typo from the agreed upon {$470.00}. I used my Discover debit card to pay the transaction at approximately XXXX XXXX on XX/XX/XXXX. After that point, I stopped receiving any text messages or other contact from the seller despite multiple attempts, including phone calls and emails as well. The payment went through on Monday XX/XX/XXXX and I still had not received the tickets or any further contact from the seller. I attempted to cancel the payment with Discover but they said it was too late and there was nothing I could do. I contacted XXXX multiple times to take down the post and they still have not done so. I contacted XXXX XXXX and was also told there was nothing they could do. I created a XXXX phone number on XX/XX/XXXX and contacted the seller and they responded saying that they had tickets available. When I confronted them about giving my money back, they stopped responding to that number as well. I filed a police report with the XXXX XXXX on Wednesday XX/XX/XXXX. I tried contacting Discover again on Friday XX/XX/XXXX to file a formal dispute over the transaction and they refused.

Company response to consumer: Closed with explanation