BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-20
Company: EQUIFAX, INC.
State: AZ
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 Equifax are fraudulently reporting inquiries that aren’t mine. I’ve called several times to all 3 bureaus to get these fraudulent inquiries removed to no avail. I’ve reported the fraudulent inquiries to the FTC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-26
Company: TD BANK US HOLDING COMPANY
State: FL
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:
Multiple transactions for {$4.00} to XXXX XXXX PAY BY PHONE which we did not make. 
. 
The dates are as follows XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 There were other similar fraudulent charges to the same company that were resolved in our favor and a new credit card was issued. 
TD Bank sent us a letter stating that 'documentation provided by the merchant supports the merchant 's position that the services were rendered associated with this transaction. Based on this documentation we are unable to credit your account '. 

Sure, the services were rendered but not to us and that is why the new card was issued. 

I called and spoke to XXXX on XX/XX/2020 about this letter. 
I called and spoke to XXXX on XX/XX/2020 and I was told they were still working on it I called and spoke to XXXX on XX/XX/2020 about this. 
On XX/XX/2020 I spoke to XXXX and when I was getting nowhere, I was transferred to a supervisor by the name of XXXX and again I was told that TD Bank can do nothing. And she mentioned letters to that effect which I never got. 
On XX/XX/2020, I finally spoke to XXXX in Disputes and she agreed that the charges were indeed fraudulent but she could do nothing except refer the matter to a supervisor to call me back as they had left for the day and this was just after XXXX. No supervisor called

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-01
Company: JPMORGAN CHASE & CO.
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX and XX/XX/XXXX my Chase credit card was fraudulently used for purchases. Over {$9000.00} was spent at two businesses. 

The charges were XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX On or about XX/XX/XXXX I logged into my Chase account and noticed the fraudulent charges. I reported them that same day. Chase took quick action and closed the account, issued me a new number and sent a replacement card. They also credited the total fraudulent amount. 

I assumed this was the end of it, until this month when they have re-charged my account for the fraudulent amount with zero explanation. When I call Chase to discuss, they tell me that can not give me any information and that I can not call the fraud recovery department directly. I have received no additional information or correspondence about my fraud claim from nor was any additional information ever requested from me. I can get no other information from them and it sure seems like they're trying to make me responsible for this theft. I have attached the only correspondence about the issue I have received from Chase to date. 

This is a card that is almost never used and their fraud prevention should have obviously flagged the first transaction for {$5500.00} before it was fully charged to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I called Transunion and requested to speak to a USA agent in the special handling department, but instead my call was routed to an agent outside of the USA, who told me they were unable to remove unknown inquiries from my credit report.

The inquiry that is showing unknown is : XXXX XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX  XXXX, FL XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email. 


On the Transunion inquiry section it actually says I can dispute inquiry by phone or email. But when you click the option to do it by email, there's not email listed. If I can dispute it by phone, then why didn't the agent file the dispute for me.

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 2020-09-03
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please be advised that this is my THIRD WRITTEN REQUEST as I have sent certified letters asking UNITED REVENUE CORP to remove the unverified accounts listed below that remain on my credit .report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report.

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold. Accounts are as followed : Collection account  from UNITED REVENUE CORP with account # XXXX and a balance of {$330.00}. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it. 

Collection account from UNITED REVENUE CORP with account # XXXX and a balance of {$940.00}. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it. 

Collection account from UNITED REVENUE CORP with account # XXXX and a balance of {$830.00}. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it. 

Collection account from UNITED REVENUE CORP with account # XXXX and a balance of $ XXXX never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it. 

Collection account from UNITED REVENUE CORP with account # XXXX and a balance of {$500.00}. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it. 

Collection account from XXXX XXXX  with account # XXXX and a balance of {$2200.00}. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it. 

Please re-investigate these matters and delete or correct the disputed information as soon as possible.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: JPMORGAN CHASE & CO.
State: PA
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:
Merchant refunded my purchase but the credit wasn't showing up on my Chase card. Chase customer service department did not reply to my request of investigation. There was a dispute open, and its case ID was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I have made a withdraw from Coinbase US over 5.000 Euro on XX/XX/XXXX. The normal transaction time for XXXX Sepa withdraws is 2 days. I have n't received anything until now ( Tuesday, XX/XX/XXXX ). I have tried to contact the support team from Coinbase and finally get the first reply on XX/XX/XXXX. They told me they will investigate on this issue. Another 10 days later I have n't heard anything!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been trying to make all of my accounts current at this time. American Express sent me a statement asking for a minimum payment of {$810.00} on or before XXXX. I sent the payment in on XXXX  and it was accepted. They are now telling me it has been sent to an agency and they can not speak to me on the account. I just wanted them to send me proof that I was current and to continue to accept my payments. They should not have accepted payment if they were not going to work with a customer willing and ready to make payment. I have been a cardholder in good standing for 13 years before my financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal permanently locked my account and will not tell me why. I am a first time seller on XXXX and opened the paypal account to receive payments for items sold. All the information I gave them was 100 % correct and accurate from my email, name, address, phone, bank account, and so forth. Again everything was 100 % accurate. I sold 1 item for the first time on XXXX  that was in perfect working order exactly as described shipped by USPS with tracking that was received by the buyer. Soon as the funds became pending in my paypal account they limited my account and required that I submit a copy of my photo ID along with a description of where I was receiving payments from. I complied with their request the very same day sending them a copy of my ID and a description that I was using paypal to receive payments from buyers on XXXX purchasing items of mine that are personal property of mine such as collectables and electronics. The item I sold was a XXXX gaming console and I included a picture of the sale from ebay. The very next day I logged onto paypal to see if the money had been released to find out that my account had been permanently banned. I did nothing fraudulent at all and 100 % complied with their request. I tried to call them but they are not offering customer service over the phone at this time so I used the message center on their website to try to find out why this was happening to me. I was passed along from representative to representative, all telling me the same thing that " the account is permanently closed and they can not provide an explanation '' and simply that " they looked into it and this is the decision they have come to ''. They are holding my funds for 180 days and will no longer allow me to use paypal in the future basically preventing me from ever selling anything on ebay ever again. This makes absolutely no sense to me as all my information was correct, I was not selling anything illegal, and the item I sold was as described in perfect working order and it is my very first sale. I did absolutely nothing wrong and they will not provide me with any explanation. I do not understand how what they're doing can even be legal as again I have done nothing wrong and provided all information to them to prove I was doing nothing wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-28
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I first started with country wide and was in the negative arm loan. Then was sold to XXXX XXXX XXXX and i fell behind in payments. In XXXX XXXX XXXX XXXX had to offer me loan modification due to the mortgage debt settlement. They offerred me a trial modification then after i sent first payment they sold my loan to nationstar in attempt to wipe their hands clean and not have to comply with the settlement. 

My XXXX XXXX XXXX loan was transferred to Nationstar on XXXX XXXX after I agreed to a modification. I tried to send a payment to nationstar but my it wasnt accepted and in fact the payment I sent XXXX XXXX XXXX was returned. I called several months asking when can i make a payment and was told to wait until they receive documents from XXXX XXXX XXXX. On XXXX and XXXX XXXX, i received loan documents from nationstar that had a XXXX payment balloon of over XXXX. I told them this not same loan as XXXX XXXX XXXX, please let me know why theres a balloon payment before I sign this modification. Till this day, I have n't gotten an answer. I have contacted Nation star every single month. Then I get a notice of default so I gave in and they sent modification documentation. I agreed and they open a case for mod in XXXX XXXX. I 've been trying to send over modification documents to nation stars and now they are saying that the investor will not allow me to modify. In addition, they gave me a number for point of contact, XXXX XXXX who never calls me back or work on my case. All I want is fair treatment and for them to honor the XXXX XXXX XXXX loan documentation without balloon payment. If not, then at least give me opportunity to apply for XXXX program since they offered it to me. I also sent over my XXXX XXXX discharge papers from XXXX and asking to see if I was qualified for SCRA benefits and I never got response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
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:
Experian, XXXX and XXXX  all are reporting that I paid my XXXX XXXX mortgage late. I did a Home Modification with XXXX XXXX. I even have a letter from XXXX XXXX that I have submitted to all three credit bureaus stating the negative information on my account is incorrect. It is still being reported as late on all my credit report. XXXX XXXX stated it would be deleted. I have disputed with all three credit bureaus who have yet to correct it. I have never paid late! 

There's also two XXXX XXXX Mortgage accounts on my report. I have never had any other mortgage. I have only had one. They gave me a new account number when XXXX was bought by XXXX XXXX but that doesn't change that fact that I've one had one account ( it isn't a new account ) and that I have never been 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 non-monetary relief
Consumer complaint received 2021-01-22
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:
Hello, I had a couple lf ulitlies bills I was not aware of due to change of address. I paid off the bills in full around XX/XX/2020. There is still a serious delinquency on my credit report. Experian has not fixed this issue.

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 2020-11-24
Company: Receivables Performance Management, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They called me 5 times today, XX/XX/20 and hung up on me when I answered the last call and told them to stop calling me. XXXX, Twice at XXXX, then XXXX, and XXXX. 

This company has called me anywhere from XXXX to XXXX 5 or more times a day for the last few weeks, but when I answer and tell them to stop, they hang up.

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 2017-08-09
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: Public record information inaccurate

Complaint:
I am disputing an open federal tax lien filed in XXXX 2010 citing the XXXX* rules ( the lien has no SSN number and no DOB ). * XXXX : Beginning XX/XX/XXXX, the bureaus will exclude all public tax lien and civil judgment data that do not conform to new reporting standards from consumers ' credit reports. According to the XXXX XXXX XXXX XXXX, new and existing tax lien and civil judgment data must include a person 's name, address and either a Social Security number or date of birth in order to be included in credit reports. Additionally, the credit bureaus must continually verify public record information by making courthouse visits at least every 90 days.

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 2020-09-03
Company: Specialized Loan Servicing Holdings LLC
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: Investigation took more than 30 days

Complaint:
Hello CFPD, it has been more then a YEAR, Trying to Work with MORTGAGE/LADAR to CORRECT-REMOVE in-Correct Information is Posted to my Credit Report. # as fallows . 
XXXX Date Generated : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX was my Original LANDER, My FIRST Payment was Due XX/XX/XXXX I PAID via Check Amount {$2000.00} But they SOLD my Paper to SLS Servicing XXXX XXXX XXXX, XXXX XXXX XXXX XXXX CO.XXXX Unfortunately. I never Got Credit from SLS Specialized Loan. in-spite. I provide them Several time Copy of Check was CASH on XX/XX/XXXX And it still Sowing on my Credit REPORT LATE/NO Payment. 
I have been Filing Dispute with USA XXXX. Finally I am seeking your Help to Rosevale This issue/ I need HELP. 
THANK YOU 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 2020-05-20
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: Investigation took more than 30 days

Complaint:
Yes, I have disputed several inaccuracies on my credit report to Transunion, XXXX, and XXXX about several derogatory items on my report as well as late payments that have been added to my report inaccurately. I have reached out to them to verify and remove these inaccuracies over 30 days ago. Based on the letters that I have sent them this was on XX/XX/2020. As I explain in my letter to them my previous letters haven't gotten a response either. Now they are not responding to the ones I have sent 35 days ago. The copy that I sent them were signed and attached was a copy of my driver 's license and copy of my social security card

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I mailed a letter to TransUnion a dispute letter via certified mail receipt XXXX XXXX XXXX XXXX XXXX. It was delivered on XX/XX/XXXX at XXXX XXXX. Upon reviewing my credit report that was pulled today, there are several items that are still in " dispute '' status, and it has been over 30 days since my dispute was delivered to TransUnion. I have not received any correspondence from TransUnion. 

Per the Fair Credit Reporting Act, credit reporting agencies ( i.e. Transunion ) has to review and respond to every dispute it receives within 30 days. If a dispute is not resolved within 30 days, the disputed item must be removed from the consumer 's credit report. 

Below are the disputed items : 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 USBK COURT XXXX GEORGIA DOCKET # 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 2021-10-05
Company: Veripro Solutions Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I AM REQUESTING ALL DOCUMENTS FOR XXXX XXXX XXXX XXXX, XXXX GA XXXX. THIS IS A FRAUD LOAN. I DO NOT ENCOURAGE YOU TO MODIFY OR ALTER DOCUMENTS.

Company response to consumer: Closed with explanation