BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-21
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Chex systems have me in their system as having some form of misconduct. I've never bound a check in my life. 

I have tried calling them with no success, they simply won't pick up. I've faxed them, email them and sent a letter US Postal service, they have been totally unresponsive.

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 2021-04-25
Company: BAM Management US Holdings Inc.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On AXX/XX/2021, I sold about {$4500.00} of cryptocurrency on the Binance.US exchange for USD expecting a correction in the market. My cryptocurrency was transferred from my wallet onto the exchange after I received level 2 verification on XX/XX/2021. The next day I tried to buy back some of the cryptocurrency. The exchange informed me I had to accept a custodial agreement with Prime Trust in order to continue trading. After accepting the agreement, my account was placed under advanced verification. I had already been accepted for level 2 verification a month earlier. There was no reason or explanation given other than the account was under review. I submitted a ticket request and was told to wait up to 15 days. I received a response that was not helpful saying there was no request for fiat verification and they asked if I could let them know if I couldnt apply for it. I told them I cant do anything on my account. I just want my funds ( {$6300.00} ) released so I can continue trading. Im not trying to withdraw or transfer USD so I dont understand the reason my funds have been locked for more than two weeks. Please have them rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: Shellpoint Partners, LLC
State: NV
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:
I filed a chapter XXXX bankruptcy that was discharged in XX/XX/XXXX against the property address of XXXX XXXX XXXX XXXX XXXX Nevada XXXX. That same property was foreclosed against me in XX/XX/XXXX. This company is claiming that a foreclosure is still pending against me and they 're reporting me  as delinquent to the credit bureau. I 've been gone from said property since XX/XX/XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
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: Account information incorrect

Complaint:
XXXX XXXX  is reporting this account with a past due balance. They have last reported in XXXX of 2019. The fact of the matter is that XXXX XXXX  no longer owns this debt and I was unable to settle this debt with them. They are however still reporting this debt as an amount owed to them. This is illegal and it's a direct violation of the Fair Credit Reporting Act. I want them to remove any and all reporting from my credit reports.

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 2020-01-21
Company: Premier Student Loan Center
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Premier Student Loan Center ( PSLC ) contacted me stating they could reduce my student loan because they had an agreement with the United States Department of Education Fed Loan Servicing If I made payments to them they would negotiate my student loan repayments and so long as I made these payments for 20 years, consistently, the remainder of my student loan would be forgiven. They took from my checking account {$190.00} XX/XX/XXXX, {$190.00} XX/XX/XXXX, {$190.00} XX/XX/XXXX, {$190.00} XX/XX/XXXX, {$190.00} XX/XX/XXXX, {$190.00} XX/XX/XXXX. Starting XX/XX/XXXX of XXXX until XX/XX/XXXX they took {$40.00} from my checking account. I noticed the payments were no longer being taken. I called PSLC and to my surprise found out they were put out of business and there is a lawsuit against them. XX/XX/XXXX The Consumer Financial Protection Bureau suspended their operations due to suspicion of fraud in Minnesota and 2 other states. The message said to go to XXXX to find more information. There was very little information and it said I should have received an email including me in the lawsuit against PSLC. I did NOT receive any email stating this. I called the United States Department of Education and was informed that PSLC was a scam. To my shock I found out that PSLC lied to The Department of Education and told them I had 3 dependents, to lower my payments. I do not have any dependents and NEVER stated I did. Not a penny of what I paid has gone towards my student loan, the balance has continued to increase. NOTHING WAS PAID TOWARD MY STUDENT LOAN!! THEY HAVE STOLEN ALL OF MY HARD EARNED MONEY!!

Company response to consumer: Untimely response
Consumer complaint received 2019-08-17
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have been having issues with bogus and fraudulent addresses appearing on my credit file that I do not recognize. My full name is XXXX XXXX XXXX please remove any other variation of my name. My DOB is XX/XX/XXXX SS XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2018-07-17
Company: ERC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/XXXX and XX/XX/XXXX I submitted a dispute via certified mail regarding an entry on my credit file and according to the FCRA a company has 30 days to prove validity with ( ie signed contract, not a bill as it does not validate. They have broke their contract by choosing not to provide proof

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 noticed accounts listed on my credit report that I do not recognize. I have attempted to dispute directly with the creditor/collector and with the bureaus with no success and am now taking legal action. I have filed an identity theft report with the FTC and with XXXX XXXX KY Police. None of the medical bill son my account are mine. The XXXX bill is not mine. The inquiries are not mine. I could not list all of the accounts but XXXX XXXX XXXX is not mine. I contacted them and they are a daycare which I have never used. Also XXXX XXXX XXXX which is XXXX XXXX XXXX should not be on my credit as I was a co-applicant who did not reside there. I paid half of the debt which is indicated and they said they would remove my liability and remove from my report. The total was XXXX and I paid 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 2021-01-21
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/2020 I started the application process with Chase. Through this process the bank kept asking me for the same information that I had previously submitted. Once submitted, the underwriters would take so long to review, 6 weeks, they would have to ask for information all over again. This went on for 8 months. Over the course of this time they pulled my credit 9 times! This has substantially damaged my credit. To the point I can't get refinanced. Chase sent me a letter of denial in XXXX. It stated that they were unable to help me because I was asking to pull out to much of the equity in my house. This is not true at all. All I was trying to do is refinance my house. Didn't want to pull any money out

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
while ocwen has made many mistakes on top of it all ocwen never furnished me a 1099 for taxes; im still being charged on my mortgageocwen failed to furnish 1099

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had a dispute with XXXX and navy fed got my money back $XXXX  I bought the ticket from my XXXX  acct but they could not put it but into that account after trying two times the system said it came from my joint acct but they saw there was no money in that account so they did not know why the system was saying that it did. They had to put the money in that account because the system would only allow it to be put there. Ok now the took $XXXX or close to that to pay a bill for my daughter because now it's her money because it was in that account. The department have explained to them many times what happened and why they need to give me my money back but now they are saying I owe to so if they did not take it for XXXX they would have taken it for me. Well they told for XXXX   and it was not her money and there mistake put in the account in the first place I did not. The mistake is that the last 4 numbers of both debt case from both accounts are the same so the whole number was not put in only the last four. Again navy fed mistake but the collection dept will not give me my money back. The department that made the error has explained the mistake to the many times but again they said the would have taken the money from me. Well what they would have done is not the issue what they did is. If they had taken the money to pay my bill ok but they didn't they paid XXXX bill and again I did not put the money in the account the mistake did. I told it out and put it into another account but when they said they had to I vestagate what happened I put it back. They said I didn't have to do that but they understand why I did. Some one needs to give me my money bank all these bank errors should not gave me lose my money they need to be more careful when they are dealing with people's money this a bank and there job mistakes like this should not be happening and the customer should not suffer for it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-24
Company: Synovus Bank
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I spoke with XXXX XXXX and advised them that I lost my job due to COVID-19 and they placed me on a hardship payment and advised as long as I made the payments I would be reported as being current

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hello, My case number if XXXX am XXXX XXXX XXXX XXXX, XXXX could not find a tab to follow up on the case number above. 
I did not dispute the outcome because Nationstar said they would move forward with the foreclosure on my house at XXXX XXXX XXXX, XXXX, NJ. They said they would do this in a letter addressed to my attorney ( they never did send the letter to him ). I forwarded the letter on to my attorney. I have not heard from them once since XXXX, nor has my attorney. Can you please help me with this? 
This has been going on since XXXX of 2009. The house was destroyed in XXXX XXXX, Thank You, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a credit card with XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 day late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX, TransUnion, and XXXX with no successful resolution. XXXX XXXX and TransUnion reporting me 30 days late on XX/XX/2019. There was an error on their part. I was never late.

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 2021-04-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the information in my file. The items i need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my daughter.

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 2020-08-31
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I am in the process of purchasing a home and made payment of {$5100.00} on XX/XX/XXXX to my Citibank Credit Card of over 10 years with a limit of {$8500.00}. On XX/XX/XXXX my credit limit was decreased to {$2400.00} and was reported to all credit bureaus as a limit decrease and as being over limit at 101 % utilization with no reporting of the large amount I paid. On XX/XX/XXXX I made an additional payment of {$1700.00} and paid the remaining balance of {$720.00} on XX/XX/XXXX. As of today neither of the additional payments have been reported to the credit bureaus further tarnishing my mortgage approval. I called Citibank on XX/XX/XXXX to come to find out if any limit increase or updating reporting was possible and the only solution was to register my complaint which may or may not result in a letter to my address. I've never missed a payment and have been loyal to Citibank and no one cared to help me in any way. I was negatively reported to all bureaus within 72 hours, yet positive reporting is not handled with the same sense of  urgency at all. It is completely unfair that Citibank doe not handle reporting measures equally and does not even care to assist. All I want is for my payments and {$0.00} balance to be reported with the same urgency of any derogatory reportings.

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 2020-01-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Equifax is reporting an incorrect address on my credit report. I have no association with XXXX XXXX XXXX XXXX, XXXX, IL XXXX. On XX/XX/2019 I reach out to Equifax by Certified mail requesting for this address to be deleted from my file. As of today this is still showing on my credit report. Per the FCRA unverified information is not allowed to be reported on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-01
Company: Coinbase, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I contacted company when I discovered that my account had been hacked, I had no results with the phone service, it is a joke. 

They have nothing but emails, and despite I had submitted the claim, and concern they denied, it said it was null and void ... ... ..??? never even looked at it. 

How did the XXXX get my money, when I have a phone and the XXXX sevice has to go to my phone ... .. and i was never noticed of any notification. 

I am a victim of Identity Theft ... ... and Coinbase should have a gate for sending funds, and an algorithm showing fraudulent activity. I have Never used the send and receive features, and when doing so it was around a {$12000.00} ... ... ... they should have denied that much money being sent do to lack of evidence showing that I only have limited experience using that feature..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: OneMain Finance Corporation
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Requested incorrect information updated and corrected or removed. 
Instead they began reporting mistakes and inaccurate history, high balance, and account status. The remarks are not the same. I have the right to accurately reported in all bureaus. 
I am asking for what is granted by law. 
Consumer protection from wrong information on credit. 
History, balance, high limits, account status are all different across each XXXX XXXX and XXXX. To resolve a removal is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
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: Their investigation did not fix an error on your report

Complaint:
1 ) For XXXX Consumer I have asked to please mail me the proof of the investigation and to remove this account and they have failed to this is the 3rd attempt the XXXX # XXXX balance of XXXX 2 ) Also on XXXX XXXX of XXXX XXXX XXXX # XXXX XXXX XXXX told them to please provide statements made and missed since I opened this account they failed to show proof and to update the account they also have failed to show proof or update the account. 

3 ) XXXX XXXX XXXX XXXX # XXXX XXXX I never had a contract with this debt collector for any debt. And I'm asking to get it deleted which they are also refusing to do or send me the original creditor that this debt collector owns this debt and has legal authority to collect. 

4 ) XXXX XXXX XXXX # XXXXXXXX XXXX They fail to provide me statements and records of all payments made and missed since I opened this account. 

5 ) XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Balance {$0.00} They have this account listed negatively These inaccuracies are highly injurious to my credit rating and I want it delete!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-17
Company: Experian Information Solutions Inc.
State: CA
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 had {$860.00} left on XXXX XXXX Credit card when it went to collections. I made a payment on XX/XX/18 and XX/XX/18 both for {$430.00}. I was told that if I made these payments this credit would show as paid & full and would be removed from my credit report. 
This is still showing as a negative on my credit report with a balance. 
I have attached a form below from the company stating the account has been paid in full and the promises of removal. 
Please advise.

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 2019-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
After sending information to verify myself with my disputes (XX/XX/19) by means of a Credit Repair Organization, Transunion has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see items below…ACCOUNTS	XXXX XXXX	not mine	ILLINOIS XXXX XXXX	not mine	XXXX XXXX	not minePUBLIC FILINGS	FEDERAL DISTRICT	XXXX	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