BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : 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 Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX 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 2022-08-25
Company: Experian Information Solutions Inc.
State: MD
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:
n accordance with the Fair Credit Reporting act XXXX Account number # XXXX XXXX XXXX Account number # XXXX XXXX XXXX Account number # XXXX XXXX Account number # XXXX XXXX XXXX Account number # XXXX XXXX Account number # XXXX XXXX XXXX  Account number # XXXX XXXX XXXX Account number # XXXX XXXX XXXX  XXXX Account number # XXXX XXXX Account number # XXXX XXXX XXXX Account number # XXXX XXXX XXXX  Account number # XXXX XXXX XXXX XXXX Account number # XXXX XXXX & XXXX Account number XXXX XXXX XXXX XXXX Account number # XXXX XXXX XXXX XXXX Account number # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2019-08-21
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
EFX Code E Fraud Victim Alert Type Extended RPTD XX/XX/XXXX, Effective XX/XX/XXXX Contact ( XXXX ) XXXX XXXX XXXX Daytime address not provided/ Additional info recvd from XXXX FRAUD 3rd Party on my credit report. 
I tried to call this number today, XX/XX/XXXX but no answer, just beeping.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: MA
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:
In accordance with the Fair Credit Reporting Act the inaccurate information such as wrong address, account history, dates, late payments and remarks are an has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent. 

I pulled my credit report and was able to see all inaccurate information such as addresses, account information, remarks and dates and asked them to be removed, Experian failed to comply after writing and sending my 609 dispute letters on XX/XX/2022 as well as sending a letter of verification on XX/XX/2022 after send a letter of demand and comply I have not received verification of method used the information has not been removed. It's been over the day that I asked to have this resolved and they failed to comply.

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 2019-03-18
Company: EQUIFAX, INC.
State: AZ
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:
The following accounts and credit inquiries listed on my Equifax credit report are fraudulent, unauthorized, not mine and dont belong to me : XXXX XXXX XXXX, XX/XX/XXXX, {$1500.00}, XXXX XXXX XXXX, XX/XX/XXXX, {$7500.00}, XXXX XXXX. XXXX XXXX, XX/XX/XXXX, XXXX/XXXX, XX/XX/XXXX and XXXX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-10
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
i deposited XXXX XXXX in my coinbase account ( XXXX ), they freeze my account so i cant withdraw my balance. 
i tried to contact them many times but no responding. 
they freezed it since XX/XX/2020 till now

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: CURO Intermediate Holdings
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Recently I've been applying for cash loans online I am a single working parent in a very tough financial situation and twice people have called me saying that I've been approved for loans, upon receipt of this information I was excited that I would be able to catch up on rent and also upcoming holiday expenses. One for {$6000.00} from a person claiming to be from XXXX XXXX on XX/XX/2019 and another today XX/XX/2019 for {$5000.00} from a person claiming to be from speedy Cash loan, speedy Cash loan sent me a PDF attachment today of a loan agreement complete with payment details, loan interest rates, ect. I was a little suspicious because of both asking me to give money before they would be able to deposit my loan. XXXX XXXX wanted me to go to XXXX to accept my money via XXXX since they couldn't deposit to my bank, in which case I would send them {$50.00} and they would give my deposit via XXXX. Speedy Cash loans agreed to deposit into my account but only after I could make a security deposit of XXXX, because my credit was low and I was a risk. So I looked into both of the supposed financial institutions, called both of their numbers and spoke to representatives of each company was told that neither one had offered or approved me for a loan. It was even illegal for Speedy Cash to do business with me since i was in New Jesey. They both had my banking account and routing information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: Williams & Fudge, Inc
State: NV
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This company is contacting relatives and disclosing personal information to them about a debt from a school from a semester I never even attended. They have contacted at least 2 people that do not have permission to speak on my behalf and who the company had to use illegal tactics to get the information.

They called two people on XX/XX/2019. And they disclosed personal details to one and got rude. They contacted one of the same people on XX/XX/2019. The callers name was XXXX XXXX. He told them that I owed {$1100.00} for XXXX ( which I do not ). And threatened to keep calling the person until they got in contact with me. 
I will be contacting a lawyer this week and pursuing legal action for the credit rules they have violated. I will also be contacting XXXX for the false charges from a semester I never attended. 
I have screenshots of the calls and recordings to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Ditech Financial LLC
State: AL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I believe I, and Ditech Financing LLC may be victims of Escrow Fraud. Please see attachments ' for a detailed explanation of the event. You must start with the letter to XXXX ( Ditech Holdings ). This a time sensitive matter due to start in XX/XX/2019. The letter and attachments are self explanatory. If I were to write the communication into this box, it would be redundant. 

Thank you for your attention XXXX XXXX " I'm being robbed in slow motion '' ...

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-18
Company: M&T BANK CORPORATION
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In 2018, I opened an account with M & T bank responding to its marketing promotion. Then, M & T bank refused to honor its promotion. Having failed to persuade M & T bank, I filed complaint with Consumer Protection Bureau. Then, M & T bank paid the promotion to me and closed the account per my request. ( around XXXX or XX/XX/ 2018 ) Last week, I was surprised to receive a debt collection notice which M & T alleged that I own it {$74.00}. This is really M & T Bank 's malicious act. I never owed any money to M & T bank.

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 2019-03-18
Company: Advance America, Cash Advance Centers, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I keep receiving notices about this so called loan i am not aware of, they told me they will keep calling my employer XXXX XXXX in XXXX on XXXX XXXX and have been doing so for years, maybe this is the reason why XXXX XXXX fired me, I am being harrassed and discriminated i have a XXXX i am asking consumer financial protection agency to make a tittle 2 acccommodation since the XXXX XXXX XXXX for XXXX XXXX failed to do the titlle 2 accommodation with the ada and XXXX   XXXX refused to accommodate my XXXX because they said they do not know what plain english is when requesting a accommodation these are human resource individuals who have worked for the company for 22 years XXXX XXXX the worst place to work in XXXX on XXXX XXXX, i was harrassed every day i worked there and hr failed to do anything but i need a job to feed myyself please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: WELLS FARGO & COMPANY
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/2018 I noticed {$2200.00} withdrawn from my account. I called my bank and they stated they were not sure what it was but would contact me after they completed an investigation. I called back again the next day and was given another telephone number to call and speak to someone. Upon doing so, I spoke with a representative who said it was a debt set-off from my husbands credit card. We had made multiple attempts to settle with this credit card and were not given a settlement agreement. When we spoke to the law office this debt was sent to, they offered a settlement but never sent payment info. I contacted them to no avail. When speaking with this contact person on the second number I was given, they stated any time they see money available in my checking account they will take this money for the debt owed on the credit card and they are not obligated to inform me prior to doing so. I was never informed of this, never informed of any judgment against my husband, myself or our accounts. I am now unable to pay my mortgage, my car payment, buy groceries and even pay for my toddlers daycare so that I can go to work. I have {$70.00} to my name at this time due to the amount they took from me and are refusing to refund it. I even asked to go on a payment plan and they stated theyll discuss a payment plan for the remaining balance one the {$2200.00} cleared my checking account.

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 2019-02-18
Company: KEYCORP
State: VT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My wife and I closed on a new mortgage on XX/XX/XXXX. 
Our first payment is not yet do, It is due XX/XX/XXXX. 
We have made several accelerated payments to this loan And they have not been allocated correctly. 
Two payments were made towards principle prior to the first payment being due.

Neither of these payments were allocated towards principle and after several dozen calls to KeyBank and various departments they can not rectify their mistake. They are aware of it and agree with my read on the situation. 
The first payment was allocated correctly after nearly a week but the per diem interest has not been retroactively credited. This payment was made on XX/XX/XXXX. 
The second payment made on XX/XX/XXXX has yet to be allocated correctly and the Per diem interest has not been credited either. 
This has gone on for nearly 6 weeks now. I have been told several times this would be fixed within 24 to 48 hours and no records available to me show that anything has been done. 
This will most likely be satisfied in court. 
Further, and the biggest problem, is that these malicious or negligent misallocations are a systemwide problem affecting many KeyBank customers making accelerated payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: DISCOVER BANK
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I had a secured credit card with Discover with a {$200.00} limit. I gladly sent my security deposit, and used the card when necessary. After several months, I became deathly ill, and could not make payments anymore. Eventually, the card went delinquent. Well, after a few years went by, I finally decided to pay Discover the entire amount I owed on my secured card just to make things right. Several years after paying them in full, I find that I can not apply for a Discover card- they don't even pull my credit. The application results are always, " Status of previous Discover Card ''. I can not fathom why there is a status issue with my card since I paid them in full. It is ridiculous to treat potential customers this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
XXXX/Bestbuy offered a 0 % promotional offer for 36 months. I bought products for XXXX {$21000.00} on XX/XX/2014 from XXXX. I set up autopay that would payoff on-time. There is a {$150.00} left because the promotional offer is expired and part of the auto-payment went to a different promotional balance of {$700.00} instead of the main balance. They never provided be access to the other {$700.00} account. Even my online access was revoked as bank/card got rebranded. So, I disputed the charges and interest on my account, I canceled my autopay and closed my account. I requested for statements and they mailed me for few months of statements which didnt explain to me how/when the new account got added and how payments are split between these two accounts. I made numerous calls to understand why there is this huge interest charge. I reached Citibank atleast 50 times but bank not even once tried to reach me before charging {$15000.00} interest. Till today I havent received full statements and terms of the offer. Citibank updated all 3 credit bureaus with the 90-day delinquency which dropped my score by 130+ points. I am disputing the interest and charges on the account. That's the reason why I stopped minimum payments. But still, Citibank sent the update as delinquent to the bureaus. I have exceptional credit history without even one late payment or negative remark. I have 2 other Citibank credit cards which have revolving credit. Citibank ruined my credit history.

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 2019-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I received an email from XXXX XXXX XXXX on XX/XX/2019. I filled out a web form requesting a rate for a conventional loan. A loan officer contacted me and I gave him my information for a conventional loan. Much of the conversation was about him trying to get me to apply for an fha. I stated numerous times that I was already approved for an fha mortgage and that I did not want to consider an fha application. The loan officer stated that it didn't matter and that he could check on a conventional. After pulling my credit report he said that he could not qualify me for an fha for the amount that I wanted and I should not trust the preapproval 's I have received from the other lenders. Regardless that the other lenders have approved me based on verification of my assets and income and have been approved by underwriting. I said I didn't want to apply for an fha and that I would not be moving forward with their company. I filed a dispute with credit dispute with credit plus for the credit inquiry. The credit inquiry did not harm my credit score but the fact that this company requested an inquiry for a loan product ( conventional ) that they were never had the intent to approve me for I requested that they remove the inquiry from my report. I received a letter from credit plus with a response from XXXX XXXX XXXX XXXX through Credit plus from XXXX XXXX. The letter states that I applied for a mortgage over the phone with XXXX XXXX and that I gave verbal authorization for the credit report authorization. He further states I withdrew the application as they were not able to approve me for the amount that I desired. The truth is that I was applying for a conventional loan but the XXXX mortgage forms that they sent to the response has FHA checked off. In the box for assets it shows how much I had for a down payment and closing which was much larger than what I had stated I would use for the loan early in the process. Reason I withdrew was because that they were not offering the product I had requested I did not want to pay the fees involved with an FHA I could have increased my down payment to meet a DTI requirement. The false information that was being relayed from XXXX XXXX ( bait and switch tactics ) and I could not trust him nor his company is the reason I withdrew my application. If the web forms that I used to inquiry were to be reviewed or if the phone conversation was to be listened to if it was recorded it would be evident that I was applying for a conventional loan and that I declined due to being offered an fha.

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 2021-04-06
Company: ALLY FINANCIAL INC.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

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 2021-04-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.

Company response to consumer: Closed with explanation