BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-29
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On my Experian credit report I had filed a dispute for an account that was open under identity theft fraudulent activity. I had mailed a copy of the police report that identity theft affidavit from the FTC website. they requested more self-identifying documentation which I submitted my bill and a copy of my ID and Social Security. I requested the updated credit report file and the fraudulent account is still being reported. I specifically called Experian and talk to a customer service representative and she went through the paperwork on file that I had submitted telling me that I need an updated police report and either way they ( experian ) did not have authority to remove the account from my credit profile.
I 'm getting really frustrated because I submitted the same print out documents to XXXX and XXXX at the same time ( around end of XXXX ) for the same account and both companies successfully deleted that account from being reported on my credit report. I called Experian the second time demanding that they remove the account from my report because I had submitted all supporting documentation around XXXX XXXX, 2017. The customer service representative refused to remove the account even though I had the police report on file with Experian.
And I received a phone call and attempt to collect a debt from the creditor where the fraudulent account was open, they called me on my cell phone did not verify who I was and started accusing me of opening the account. I specifically wrote a cease and do not contact letter to the Creditor. The Creditor has violated my right by calling my cell phone after I demanded they stop contacting me. I never gave them my cell phone to call I do n't know how they obtained to my phone number. I feel like I was being harassed because I asked them if they had on file my request to not contact me and the gentleman on the phone simply started to tell me I need to make a payment and I have an account that needs to be paid.
I have suffered and I have been denied credit because of this collections account the bad payment history on the account and the amount of the account it 's been a long time I have been going through the process to get this account removed and these companies are giving me hard time I want to seek compensation, credit repair for the damages done to my good payment history. Also the balance that the Creditor is reporting to the credit bureaus has gone up but supposedly the account is in collections?

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 2018-01-08
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XXXX 2017, I accepted an offer from American Express and received a Gold Delta SkyMiles Credit Card. The offer stated that I would receive XXXX bonus miles after I spent {$1000.00} within the first 3 months, a {$50.00} statement credit after I made a Delta purchase within the first 3 months, and other incentives such as miles per dollars spent, free baggage checking and priority seating. I made the required purchases within the first 2 months. Although I have received the " other '' incentives, I have not yet received the bonus miles or the {$50.00} credit. 
I have called American Express several times this past year and as told by the agents that I should have received the miles and credit, and they would investigate. I have not received any feedback from the company concerning this issue and am resorting to contacting this agency for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: D&A Services, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
D & A Services trying to summons money for a debt that was paid. I paid XXXX XXXX XXXX dollars for XXXX XXXX. XXXX XXXX has not updated their records. This debt was paid over two years ago. I tried to call D & A Services today and was hung up on after I explained the above .This company is offering a settlement of XXXX of XXXX. This is fraudulent because I paid the bill

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: EQUIFAX, 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:
I have been taking advantage of due to malpractice while several laws have been broken under the FCRA by your company. This is causing me financial injury and defamation of character. I am unable to get a job or apply for credit. This has hurt the credibility of hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have been attempting to get an inaccurate bankruptcy off of my credit report with Experian for months. I 've requested verification to prove it belongs to me however ; they have refused to send me the copies of the documents they used to verify that it indeed belonged to me. This is required by FAIR 15 USC 16811 and secition 611 ( a ) ( 5 ) ( a ) ( i ). All letters sent were sent certified mail to confirm receipt.
Also under the new law effective XXXX XXXX, 2017, any public record data must include name and address, as well as social security number and date of birth in order fo it to appear on your credit file. The credit bureau has not updated the information and per the new law the inaccurate bankruptcy listed on my report does not include this information and should be deleted immediately from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Coinbase, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XXXX XXXX, 2017, I sent a wire to GDAX for {$5000.00} USD to be deposited into my GDAX wallet. They were not able to apply this wire to my account due to a name mismatch. Coinbase then emailed me saying to allow up to 7 business days for the funds to be returned and that if it took any longer than that to contact their wire support team through email. After seven business days I sent an email and received no response. Now its been ten business days since I originally tried to send the wire and I still have not received the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 relieved a letter today from XXXX XXXX XXXX XXXX XXXX, dated XX/XX/17, stating my recent application for a XXXX  XXXX XXXX XXXX credit card, which is issued by wells XXXX XXXX XXXX XXXX, was denied. The problem is I have never filled out an application for this credit card, or any other credit card for that matter. I never authorized anybody to run my credit score, nor did I ever fill out any applications from XXXX XXXX XXXX. 
The credit agency that ran my credit without my approval is TransUnion.

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 2022-01-14
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX I applied for a secured credit card through XXXX XXXX. After my application, I discovered my twin brother 's credit file is showing on my credit report. I contacted Transunion on XX/XX/XXXX and they explained I would need to mail in information to verify my identity, however they did not specify all the documents I would actually need. I mailed the information on XX/XX/XXXX. I never received any confirmation so I called Transunion again on XX/XX/XXXX and they assured me it would be fixed in five to ten business days. I reapplied for the secured cc and discovered my credit file had still not been corrected. Today on XX/XX/XXXX my banker and I called Transunion after being transferred multiple times and hung up on just to find out there were no notes or updates on my credit file. I would have to resend the documents and call again for an update in five to seven business days. I also tried to contact XXXX and XXXX on XX/XX/XXXX. XXXX did not allow me to speak with a representative due to the call volume being too high and advised me to call back later. I tried to dispute my credit file online with XXXX online and by calling on XX/XX/XXXX but was not given the option to actually correct my credit file. I have been told this is a common error but not my error, to begin with. I just want to fix my credit file so I can start building my credit. This has been a major inconvenience and I have not been helped in any compacity by any of these credit bureaus. I am starting to feel defeated and possibly am being discriminated against by me being a young XXXX American man.

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 2019-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Money was transferred from my bank account fraudulently to someone I don't know. I immediately reported this to my bank when I received an email stating money had been sent and the bank said they cancelled the transaction but the transaction happened anyway. I have filed a police report and gave the information to my bank and filed a claim but now my bank has denied my claim and said I need provide proof that my phone had been spoofed. I don't know what I should do next. The bank is Bank of America. They have been absolutely no help. I need my money and don't know what to do next. The money was sent through XXXX and when I contacted them they said I had to contact my bank. I have gotten so much of a run around.

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 2019-04-29
Company: EQUIFAX, INC.
State: TX
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:
Equifax is reporting incorrectly that I am 60 days past due on XXXX partial account number XXXX. ( Please see pages 10 and 11 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: EQUIFAX, INC.
State: NC
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Opened a checking account on XX/XX/2019 since my wife and I moved down to FLORIDA. A few days later I tried to check online banking, to find out it does not let me in. The previous day my wife deposited a {$350.00} check into my account for me in their online banking app. I called bank of America to find out what happened and they closed my account without any prior notification ; no phone calls or emails. The customer service rep said they would mail the remaining amount in my account in a week or so. Fast forward 2 weeks later I get a check for {$39.00} from BOA. 

I need that {$350.00} because I'm XXXX and I have medications I need to pay for. 

I want the entire {$350.00} BOA were supposed to pay 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 2019-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 asked for a proven fraudulent account to be deleted off my Transunion Credit report. It was not investigated correctly. I submitted the same dispute to XXXX  and it was DELETED. XXXX XXXX XXXX XXXX and XXXX XXXX have the proof this was fraud. Please reinvestigate as I have been trying so hard here to avoid bankruptcy. DISPUTE THAT WAS COMPLETED TODAY XX/XX/2019

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 2019-03-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/XXXX I downloaded the usaa mobile app and uploaded a XXXX check. The app told me 72 hours before I received the funds and then When I called 72 hours later they told me 6 days instead and I sensed they were trying to steal the money and claim they were holding it Incase it bounced. My employer and I waited for the funds to be deposited and they kept holding onto the funds trying to steal the funds because it came from an international bank. I would like them to correct what they did to the account and give me my funds back.

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 2022-01-14
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX I applied for a secured credit card through XXXX XXXX. After my application, I discovered my twin brother 's credit file is showing on my credit report. I contacted XXXX on XX/XX/XXXX and they explained I would need to mail in information to verify my identity, however they did not specify all the documents I would actually need. I mailed the information on XX/XX/XXXX. I never received any confirmation so I called XXXX again on XX/XX/XXXX and they assured me it would be fixed in five to ten business days. I reapplied for the secured cc and discovered my credit file had still not been corrected. Today on XX/XX/XXXX my banker and I called XXXX after being transferred multiple times and hung up on just to find out there were no notes or updates on my credit file. I would have to resend the documents and call again for an update in five to seven business days. I also tried to contact Experian and XXXX on XX/XX/XXXX. XXXX did not allow me to speak with a representative due to the call volume being too high and advised me to call back later. I tried to dispute my credit file online with Experian online and by calling on XX/XX/XXXX but was not given the option to actually correct my credit file. I have been told this is a common error but not my error, to begin with. I just want to fix my credit file so I can start building my credit. This has been a major inconvenience and I have not been helped in any compacity by any of these credit bureaus. I am starting to feel defeated and possibly am being discriminated against by me being a young XXXX American man.

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 2021-06-09
Company: WSFS FINANCIAL CORPORATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have repeatedly tried to get ANYONE to see what this Company did along with XXXX XXXX XXXX and XXXX. If I get nowhere with my complaints I have no alternative but to have the XXXXXXXX XXXX XXXX file litigation in Federal Court. XXXX did not honor XXXX modification offered to me in XXXX of 2016. I was unaware that they were obligated to at the time. When I inquired about the modification XXXX had me complete another application. I sent a completed application to XXXX they claimed they were missing one document. The letter to me is dated XX/XX/2016. I sent the other document again and waited for yet another modification. Instead, I received a notice that they had received Judgement on XX/XX/2016. When I inquired why none of the modifications were honored they stated it was too late judgment was entered. This was pure discrimination between recorded remarks from employees ( stating I should have just paid the mortgage then I wouldn't have to worry about a modification ) and the way I was treaed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
yes i lost over internet scam inhertance fraud XXXX and XXXX XXXX over amount was {$40000.00} keep telling me a relative of my last name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: Shellpoint Partners, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid for a broker appraisal to have the PMI removed from the loan. It was removed in XX/XX/2020 but the PMI continues to be disbursed. My monthly payment hasn't gone down. It has gone up as the XXXX escrow analysis showed an equity shortage. Ive called at least five time and I cant get it straightened out. Thank you for your help.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: JPMORGAN CHASE & CO.
State: PA
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 applied and was approved for a Chase Disney Credit Card in XX/XX/2019. Three weeks ago I received a letter from Chase Credit Card Services informing me that my card was cancelled with no reason or explanation as to the cancellations. I carried no balance on the credit card at the time of the letter an promptly paid off all charges when due. My credit score is above 850 and I have numerous cards from other banks and credit card issuing companies. I sent a letter to Chase Credit Card offices in XXXX Ohio asking for a written explanation for the cancellation. Last week, I received a call from Chase offering no real explanation as to why the card was cancelled. When I pressed for an explanation, the agent abruptly hung up on me. I still have no explanation or reason, but this could harm my excellent credit rating. Credit card companies should be forced to tell you why your card was cancelled and not be so evasive and underhanded. I would like the government to look into this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have money in my account and have not been able to get it out for going on about 2 months now. They took my money by letting me link a credit card, but they will not allow me to link a bank account. First - they made test deposits but then their app kept saying the amount I entered was not correct. Then I removed my bank account to start the process over, and have never received any more verification deposits. 

My money ( ~800 ) is stuck in Coinbase with no way for me to get it out ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
i get preapprovals from XXXX XXXX every day in my inbox. i have been preapproved over 6 times for a XXXX  XXXX card. i completed a savor card application and it was denied because i had a fraud alert on my equifax account i did not know about which i have now fixed with my phone number that was left off for my contact number which was done the same week. i have mailed them more documentation to dispute this issue to the office in XXXX XXXX XXXX, ut. they refuse to reopen my application and contact equifax to process my savor card. all my emails to XXXX  XXXX that i have sent to them have come back. the refuse to help me in anyway on the phone. i have contacted to ceo 's office as well in va. my application number is XXXX my confirmation number for equifax is XXXX where i called and had ny phone number added to my fraud alert. XXXX  XXXX so far refuses to have any other solutions other than pulling my credit over again to pull down my scores. hope you can help me get my savor card i applied for and i was preapproved for over 6 times.

Company response to consumer: Closed with explanation