BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-25
Company: Experian Information Solutions Inc.
State: FL
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:
EXPERIAN, XXXX AND XXXX HAS INQUIRIES ON MY CREDIT REPORT THAT IS NOT MINE : INQUIRIES : XXXX XXXX XXXX-NOT MINE XXXX-NOT MINE XXXX XXXX-NOT MINE XXXX XXXX-NOT MINE XXXX XXXX-NOT MINE XXXX XXXX/XXXX XXXX-NOT MINE XXXX XXXX XXXX-NOT MINE XXXX XXXX  XXXX -NOT MINE 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 non-monetary relief
Consumer complaint received 2019-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX, TRANSUNION AND XXXX HAS INQUIRIES ON MY CREDIT REPORT THAT IS NOT MINE : INQUIRIES : XXXX XXXX XXXX-NOT MINE XXXX/-NOT MINE XXXX XXXX-NOT MINE XXXX XXXX-NOT MINE XXXX XXXX-NOT MINE XXXX XXXX XXXX-NOT MINE XXXX XXXX XXXX-NOT MINE XXXX & XXXX XXXXNOT MINE 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
Consumer complaint received 2019-07-25
Company: EQUIFAX, INC.
State: FL
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:
XXXX, XXXX  AND EXQUIFAX HAS INQUIRIES ON MY CREDIT REPORT THAT IS NOT MINE : INQUIRIES : XXXX  XXXX  XXXX-NOT MINE XXXX/-NOT MINE XXXX  XXXX-NOT MINE XXXX XXXX-NOT MINE XXXX XXXX-NOT MINE XXXX  XXXX/XXXX XXXX-NOT MINE XXXX XXXX XXXX-NOT MINE XXXX XXXX  XXXX -NOT MINE XXXX -NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14
Company: ALLY FINANCIAL INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
Ally Bank 's fraud department is unable to prevent fraud for real-time XXXX transactions, they are lying to customers about XXXX Real-time payments and are not explaining how to use the XXXX network properly. XXXX advertises real-time money transfers but Ally Bank is not able to comply with the XXXX rules. Customers are being misled about the capabilities of XXXX money transfers and the customer service department lies about the XXXX network rules to try to stop customers from using XXXX. They claimed XXXX transactions are not real-time to the customer, which is against the XXXX network rules. XXXX rules say the Bank has a few minutes to process the transaction.

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 2018-01-17
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
XX/XX/XXXX Coinbase arbitrarily locks me out of my account on all devices, I fill in correct email, password, and 2FA code and they say that I was selected to have to click an email verification link. 

They do not send the email. 

Tried 10 times, no email, tried on my computer, same problem XX/XX/XXXX Same problem, no response from Coinbase support, ethereum prices tanking, I am unable to buy more I strongly suspect they locked me out because I buy every time it dips and suspect they have done this systematically to accounts like mine to assist them in manipulating markets and further tanking prices to scare newer investors out of their holdings

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: Collection Bureau of America Ltd.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was informed by The XXXX XXXX XXXX XXXXXXXX that I owed on a debt of around {$300.00}. 
I informed them that I did not owe the debt and shortly there after they listed the debt on my credit file in which i sent them a second letter notifiying them that I was not responsible for what they are claiming. 

I then informed them that I would like them to send me any documents that they have, showing that this is in fact my debt that they are reporting on my credit file. and requested written verification. 

they have to make sure i told them that they are reporting information accurately. and when they fail to make sure they have the correct person that they are reporting information on it damages the innocent, such as myself. I have given them more than 90 days to send me written documentation and they have failed to do so. 

Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g SEC. 809 ( b ) I AM REQUESTING VALIDATION OF THE ACCOUNT THAT THEY ARE REPORTING TO THE CREDIT BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is a second dispute concerning issues of addresses that are not mines. I have had my personal ID and SS # compromised. The listed address were used for fraudulent activities and I do not wish to have my name associated with the following addresses:XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX. I do not live at these addresses my personal information has been sent to these address because they are on file in your database and it is not correct. It maybe some relative or family member.

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 2019-07-25
Company: CITIZENS FINANCIAL GROUP, 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: Account information incorrect

Complaint:
Citizens Bank of NA failed to report accurately the payment in full of the HELOC account, specifically, the account was paid in full. The debt was set at {$170000.00} on HELOC on the property located at XXXX XXXX XXXX, XXXX, RI XXXX. The house was sold for {$170000.00}, which cover the amount owed. Additionally, Citizens Bank claims a deficiency. The borrower and the bank agreed to a payment of {$1100.00} in lieu of the deficiency. Borrower paid in full as agreed. There is no money owed and the HELOC was paid in full. 
Citizens Bank is reporting that the account was settle for less than the full balance. 
Citizens Bank failed to inform the credit bureaus that the account was paid in full as agreed. Thus, diminishing borrower ability to obtain loans. 
This is a bad faith reporting. 
I ask you that your agency assist me in amending and/or modify the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: 21ST MORTGAGE CORP.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I'm in the process of closing two loans for two prefab homes with 21st Mortgage one is going to be a secondary home. After being completely qualified for the loan because I mentioned my mother in law would be staying in one of the units that loan was put on hold until she submitted an application with 21st Mortgage. She did not want her credit ran because it reduces her credit score. 21st Mortgage said they needed to run it to make sure she did not have a defaulted loan. She did not have a problem with them checking but was forced by 21st Mortgage or they would not give me the loan. To prevent it from happening to me she signed application.

I don't believe 21st Mortgage should hold a loan hostage and force someone to submit an application just because her name was mentioned. My loan should not be used to try and clean up their books. They ran my Mother-in-Laws credit by coercing and threatening to denying my loan if she didn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: CITIBANK, N.A.
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
last month XX/XX/XXXX over 3000 $ came into my account i did not know this i found out by telephone at Citibank they told that money had come in and how much i asked why did you not tell me? it is my SS or Government money from XXXX where i worked over 50years they said nothing then to top it off they are closing your account? why do not know XX/XX/XXXX???????? i asked when will i get my check they told me on or about the XX/XX/XXXX, i waited nothing end of the week i called they the frud Dept told i needed to prove the money is mine? i have never seen that the money comes in the neame of the sender is with it since when do we have to prove the money is ours? ut is our account they again refused to answer as you must know you never get any mail from ss telling you your money has been sent to your account never yet they want proof i found what they needed paid XXXX dollars to send a slow mail to texas i called this week have not got the letter and if and when maybe i will get my money about the XX/XX/XXXX of the month i can not wait i have people to pay yet they will not answer yesterday i sent a fax and email with the papers they need the money should today have been mailed still no answr i need my money i worked hard to get retried i am XXXX this years why do i have to figh a bank for what is mine???

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2019 I made one purchase at XXXX XXXX, in XXXX XXXX . The merchant swiped my card 3 times due to a poor internet connection. When I discovered that the purchase had actually been processed 3 times I contacted Bank of America and they removed the 2 extra charges while they investigated the dispute. On XX/XX/XXXX they contacted me and indicated that the charges were substantiated and added back on my credit card bill. At that time I contacted the credit dispute department in XXXX XXXX who informed me I would need documentation from the merchant indicating that these charges were indeed in error. At that time I attempted contact with the merchant and had difficulty reaching her at which time I contacted an acquaintance in XXXX who went to the merchant to discuss the matter. After this visit the merchant provided me with a letter and documentation substantiating that these charges were an error and also documentation that the funds were removed from her account. I then forwarded this information to Bank of America 's dispute department and was informed that the time frame for investigating the dispute had lapsed. I have attempted to contact Bof A with no reasonable response.

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 2019-04-14
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: Account information incorrect

Complaint:
I submitted a dispute to Trans Union & XXXX disputing the reported amount due from XXXX XXXX XXXX # : XXXX. The reported amount is {$2900.00} however I have a statement from XXXX that reflects an amount of {$2400.00}, a {$500.00} difference. XXXX removed this from my credit report however Trans Union investigated & the negative report will remain in their database. I'm disputing this inaccuracy & requesting this incorrect information be removed from my credit file through Trans Union. I've attached a copy of the statement from 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 2018-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have XXXX account on my XXXX and transunion  credit report reporting as a charge off. both reports are showing different information. I have sent over 20 plus disputes and they have yet to still correct the issues. The Account number is XXXX # XXXX. 
On XXXX is shows date of removal being XX/XX/XXXX while Transunion shows XX/XX/XXXX. XXXX XXXX on both shows " ND '' as no data. How can this be accurate if the data is not reporting, XXXX shows No data for XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX, On XX/XX/XXXX XXXX is showing No data and Transunion is reporting 30 days late, XXXX high balance is {$0.00} and Transunion shows {$89000.00} and Transunion never showed the credit limit. Both Reports are show many inaccuracies which is a violation of my rights. I have submitted many disputes for correction and still have yet to see the changes. If they can not fix or correctly report i ask they please remove the accounts.

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 2017-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
My account has been in deferment for s few years as I struggle financially due to XXXX. I moved XXXX XXXXo a new home and XXXX XXXX apparently were unable to notify me I was near end of my deferment. When I saw a report of 9 lates on my credit report for my student loan I immediately contacted them to fix the situation. My account was placed back into forbearance starting XXXX which is before the alleged dates of lates. XX/XX/XXXX and XX/XX/XXXX. A month later and there is 9 more. This has substantially devastated my creditworthiness. I have filed multiple disputes and complaints to no avail. I have spoken with managers to no avail. I do not have the finances to make it very far in this 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 explanation
Consumer complaint received 2019-07-25
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I made application for a rate and term refinance the early part of XX/XX/XXXX with Loan Depot. I requested specifically to have my rate float during the process of the loan until the full approval was extended. I wanted to lock the loan no less than 5 days before closing to get best pricing. On XX/XX/XXXX, I get a phone call from the company indicating that they would reduce my rate by .25 % for the fix rate mortgage ( Because the company was great and I should be appreciative ). I said my request was 10/1 ARM with a float ... why would I want a fix and why my loan was locked? They disconnected the call immediately. I called the regional office to get an answer and they indicated someone from the complaints department would call me. XXXX called and left a message ... I returned his call, but he was gone home. He did not called back the next day. I called back the regional office and they are not able to discuss the rates and costs with me. The company via intimidation wants the consumer to take their higher rate and their highest costs. The disclosures received were for 10/1 ARM with a float. I never agreed to have a fixed rate mortgage and never agreed to lock the loan at the highest price. The market conditions changed and the rates have decreased. Loan Depot does not want to give the consumer options. As a knowledgeable consumer, I can not let them abuse consumers with less knowledge. This company is not following Federal Regulation and they are not giving the consumer the best options.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: EQUIFAX, INC.
State: WA
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 have tried to handle this with the bureau.They have ignored my concern and have continued to report inaccurate information that stems from identity theft. I have submitted a police report and theft affidavit but they have ignored them and have yet to remove the fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: Experian Information Solutions Inc.
State: WA
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 have tried to handle this with the bureau.They have ignored my concern and have continued to report inaccurate information that stems from identity theft. I have submitted a police report and theft affidavit but they have ignored them and have yet to remove the fraudulent information.

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 2022-08-25
Company: Experian Information Solutions Inc.
State: WI
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:
FILED ON XX/XX/XXXX STILL NOT GOT IT BACK XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( OPENED XX/XX/XXXX ), has violated my rights. In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX ( OPENED XXXX ), has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX ( OPENED XXXX ), has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX ( OPENED XXXX ), has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX ( OPENED XXXX ), has violated my rights. In accordance with the Fair Credit Reporting act US BKPT CT WI XXXX Account # 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 a 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 non-monetary relief
Consumer complaint received 2022-03-29
Company: EQUIFAX, 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: Account information incorrect

Complaint:
My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents and ID as it contains my full complaint and request

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
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: Account information incorrect

Complaint:
XXXX XXXX has wrongfully verified information with the bureaus, multiple times stating that there reporting meets FCRA requirement. Ive received serval collection notices from a company named XXXX stating they that own the debt. As you see, on my report it does not state the account has been sold/ transferred and the balances are also inconsistent. Experian has also told me that they refuse to re-investigate this matter unless I attach documents supporting 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 explanation
Consumer complaint received 2020-02-26
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: Personal information incorrect

Complaint:
I have tried to submit a dispute through Experian for incorrect spelling of my name. I was unable to submit a dispute online.

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