BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-14
Company: EQUIFAX, INC.
State: OH
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 do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, DOB XXXX SS XXXX XXXX. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX XXXX # XXXX account is reporting 30 DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: Experian Information Solutions Inc.
State: MD
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:
Experian has my birth year as XXXX but I was born in XXXX. I have disputed this four times and it still hasn't been resolved. When I apply for credit and/or online banking, they say that they can not verify my identity. No one answers the phone when I call. They have an option to upload documents but it is inactive ( at least for me ). 

I have, also, disputed a collection ( 4 times ) on all of my credit reports. I paid it off. They said the investigation would take about 30 days but they come back after 5 days stating that the debt is accurate. The collection was removed from my reports. Then, put back. I feel like they are intentionally destroying my efforts to restore my credit. 

My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX, MD XXXX Birthrate is XX/XX/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 2021-07-14
Company: Chime Financial Inc
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX, my daughter received a text, addressed to ME, from Chime bank, stating to expect my Chime Debit card in the mail. She notified me immediately. I've never even heard of Chime. 

I immediately contacted Chime ( support at chime dot com ) via email, and inquired as to how to close this fraudulently opened account. 

Chime is requesting a photo of my ID, as well as a photo of my Social Security Card, in order to close this account, stating they need this information to verify my identity. This is AFTER they asked for the last 4 of my Social, my email address, my phone number, my address, all things that can be used to identify me. I do NOT understand why, after providing details I am already uncomfortable providing, to a bank that DID NOT REQUIRE THESE DETAILS WHEN THE ACCOUNT WAS FRAUDULENTLY OPENED BY SOMEONE, they now what photos of sensitive documents. 

I am MORE THAN HAPPY to provide a photo of my passport and a utility bill, but there is NO WAY I am going to photograph my Social Security card and send it to a bank that required NO form of ID, to open the account, in the first place. Especialky when I already gave them the last 4 of my Social, so they can verify my ID that way.

In addition, SEVERAL employees asked for this same information! I can't even get a single, dedicated person assigned to help me close this fraudulently opened account. Instead, it's being passed around from employee to employee, and instead of LOOKING at the information I've ALREADY provided, they're asking for the same information, over and over again. 

To further complicate matters, I'm currently XXXX on a XXXX  ( with no way of opening an account- I had to get special permission from my command just to post here, because there's NO internet underwater, and limited internet when we surface ). They're expecting me to take pictures of personally identifying documents, in a place ( XXXX XXXX XXXX ) where cameras just aren't allowed, for obvious reasons! 

I just want any account that was fraudulently opened, closed, IMMEDIATELY. 

I have also submitted report to identity theft dot gov.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: EQUIFAX, INC.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX employee at XXXX XXXX XXXX XXXX on XX/XX/XXXX there is nothing affecting my credit score. XXXX first told me there's XXXX items. I asked him if he can please assist me with the items to see if there mine. he was XXXX never got a direct answer for 1 whole hour we got nowhere. XXXX XXXX informed me we dont get confirmation number aftre i filed my dispute? i just got a big headache basically he atlas refused to help me by confusing me. on XX/XX/XXXX my score was XXXX my score has not improved. the same things that were on my score in XXXX XXXX XXXX are all the same but nothing there should affect me? Never had a credit card just chime. chime is a secured acct Iam on safer credit building but have not gotten XXXX increase on my score. i tried to get a mortgage from the first-time home buyer XXXX hit me with that with that immediately affected my score without a chance. Inquiries in report that should had fallen off have not yet fallen off. XXXX refused to assist me with that. XXXX deleted XXXX back on XX/XX/XXXX file # XXXX they added it back on XX/XX/XXXX, XX/XX/XXXX i reached out to XXXX myself where they XXXX mailed me a copy of the letter to all 3-credit bureau dated XX/XX/XXXX where they told the reporting agency 's it was en unauthorized credit application telling the reporting agency to update the inquiry to a soft inquiry which they never did they continued to refuse to do as told. i will like to ask to have someone pull up XXXX XXXX conversation of nothing. XXXX has been punishing me for years with items they/ where not mine as of today my score went down XXXX point and never went up for 3 years because XXXX has been refusing to comply to the law by neglecting to do as told. XXXX refuses to give me my credit report acting like its been lost then saying i need to verify my identity removed freeze requested by me for only XXXX week. the other XXXX reporting agency did as i requested but XXXX felt again that they don't have to follow policy alert and never ut back freeze. i like to ask for en investigated to please look at all my score inquiry only XXXX percent of XXXX 's claims are mine ive disputed many they were unverified and should had follow policy and removed them there's things on there for XXXX plus years. after this investigation i will be looking to seek legal action if not corrected immediately. 
XXXX dropped my credit score XXXX points on XXXX falsefully on a secured credit building card XXXX in safer credit building chime. chime has no reported credit limit. XXXX and Equifax are XXXX my credit score. i disputed this with chime as well and it went in my favor because i am protected by chime with safer credit building. the reporting agency have no respect fot the code of conduct the law or care to follow policy do not feel safe with them on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I received a letter dated XX/XX/2019 that stated that there was an escrow shortage and that I needed to pay a shortage amount of {$2300.00} or my monthly payment would be raised to {$5600.00}. I immediately send a check for {$2500.00} with escrow written on the check along with the escrow coupon stating {$2500.00} deposit and made copies. I then logged into the mortgage account online to routinely check the status of my mortgage account and noticed that although I had paid the {$2500.00} to escrow my account had not been credited even though the check was cashed on XX/XX/2019. I called into the bank on XX/XX/2019 at approximately XXXX to question why my escrow payment was not credited and they made up a story about how it must have been an " oversight '' and that they would " try '' to fix it immediately. I was then told that it was escalated and that they would call me once it was fixed. PennyMac has defrauded me and are trying to raise my mortgage payment even though I quickly paid the escrow shortage. Who knows how many other people they have done this to in order to manipulate payments and cause financial harm to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: snapfi, inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
After signing all our loan docs on XXXX/XXXX/21 and the loan was " funded '' the loan agent texted me onXX/XX/2021that we needed to bring in another {$4500.00} into escrow or they were going to resend the loan. They explained that it was due to the down payment assistance program XXXX not being the amount they had told me. It feels like a bait and switch situation has occured. We were completely mis-lead. The lender knew we had the funds as it was one of the requirements of the down payment assistance program we they qualified us for. The loan agent was XXXX XXXX CA License # XXXX XXXX XXXX and the lender was Snapfi , IncXXXX NMLS # XXXX. We did take the money in as we felt we should go ahead and close on the house considering how difficult it was to actually buy in this market and try to get our money back after the fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: Experian Information Solutions Inc.
State: AR
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 WAS TRYING TO GET MY SON A NEW VEHICLE BECAUSE IT BROKE DOWN. MY SALESMAN TOLD ME THAT I WOULD BE ELIGIBLE, BUT WITH A VERY HIGH INTEREST RATE DUE TO CREDIT. I THEN ASKED TO SEE MY REPORT AND REALIZED THERE WERE THINGS ON MY CREDIT I HAVE NEVER SEEN. THESE ITEMS NEED TO BE REMOVED 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 2018-05-07
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Synchrony bank has and continues to contact my mother and my niece.

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 2021-11-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XX/XX/XXXX I filed a claim with XXXX XXXX regarding fraudulent transactions. The original claim amount was between $ XXXX. XXXX XXXX  cancelled my debit card and XXXX XXXX digital card number. They reissued a debit card and two digital card numbers. One digital card number was attached to the debit card that was issued and a second digital card number was issues to the individual committing the fraud against my account. When I realized this, the individual had completed $ XXXX in transactions against my account. 

After going through the process of cancelling the debit card that was reissued and canceling the two digital card numbersXXXX XXXX XXXX  issued a credit to my account in the amount of {XXXX 

On XX/XX/XXXX, I received a letter from XXXX XXXX stating they were going to debit my account for XXXX} on XX/XX/XXXX because they credited this amount back twice, in error. 

I immediately called XXXX XXXX to see if I could get on a payment plan and/or could they change the date they are scheduled to debit my account to a later date. XXXX XXXX said they could not do either option. I was told that I would incur overdraft fees and I would have to work with someone in the overdraft department and they could make a payment arrangement. A claims specialist-XXXX, a team lead - XXXX, and a XXXX XXXX, all said there was nothing they could do. XXXX, even told me, I should be monitoring my account daily because she does. I told XXXX, I didnt give a XXXX what she did and that it wasnt my business, and to not tell me what I should be doing. I asked to speak with a manager and she said no one could come to the phone, but shed put in the request and have someone follow-up with me. Then she hung-up the phone. 

I called XXXX XXXX  retail customer service center to explain that I would like to set-up a payment arrangement or figure out a date I could repay the money in a lump sum. I was told theres nothing that can be done on the retail side and claims would have to rectify the situation. I was advised to speak with an escalation specialist and they should be able to assist me. I was then transferred back to Claims where XXXX connected me to a supervisor, XXXX. She stated she couldnt do anything to help, and had no solutions for my situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Been dealing with unauthorized use of my personal information which results in unidentified results 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 non-monetary relief
Consumer complaint received 2018-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Pulled credit reports, the following are hard inquiries that I did not authorize : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XX/XX/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 2021-07-14
Company: EQUIFAX, INC.
State: SC
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:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 2022-01-09
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
To Whom It May Concern, I hope this email finds you well. 



In the XXXX XXXX I received a promotional snail mail from TD Bank. Then, I used TD Bank 's website for the promotion : checking & savings account bonus for {$500.00}. I applied it then I sent a secure message to customer service to confirm my eligibility before I deposit any funds and set up direct deposits. I got a reply from XXXX ( XXXX XXXX XXXX XXXX ) with a confirmation message and the deposit requirements as you mentioned. You can see our secure messages and transactions & statements in the attachments. I completed all of the steps & requirements within 3-4 months. After 4 months, she told me that I am not eligible for the bonus anymore but TD bank sent me the promotion via snail mail first and I double-checked with customer service to confirm my eligibility before I do any deposits. I always do this. 



This is a serious click-bait scene. If I wasn't eligible, you'd have told me in the first message before I do my deposits. There is a serious unethical non-customer-friendly practice right there. Otherwise, I'd close my account without depositing a penny or keep it as a regular checking account. Excuse my language but, they made me feel like a stupid customer. Personally, It was quite insulting. You also cut a lot of maintenance fees from my account instead of giving the bonus. I paid the fees for sure... I'd like to get my {$300.00} checking and {$200.00} savings bonus ( totaling {$500.00} ) promotion to cover my losses and dignity. 



I tried to resolve this issue with customer service but we got no response at all. I tried to get help from Massachusetts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but she never heard back from TD Bank as well. In the meantime, You did a similar click-bait to my wife as well with no bonus at the end. We wanted to give TD Bank another chance but TD bank betrayed us again. We are working with a lot of banks, investment & wealth management corporations, and brokers. We always receive our bonus for security transfers, direct deposits, savings accounts, etc. 

In the end, they never did what TD did. Unfortunately, this clarifies TD Bank 's unfair business practices with these bonus offerings to gain ( or click-bait ) new customers. TD Bank should avoid these unfair business practices. Please understand my great frustration! 



Thank you for your time and consideration. You will see the bank statements and my confirmation messages as PDF attachments. 



Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Since XX/XX/XXXX Ive had a support ticket open with Coinbase support to unlock my funds in one of their accounts. They have promised timely support and have asked for my patience but the weeks are turning into months and I still dont have access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: EQUIFAX, INC.
State: NC
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:
yes the said account was opened XX/XX/2018 and its with XXXX XXXX XXXX XXXX in the amount of {$30000.00} i have reached out to the credit union and the credit agencies multiple times with no adequate response the account # for the said file is # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX   XXXX {$5400.00}

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