BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-01
Company: Coinbase, Inc.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I made my first purchase with coinbase on XX/XX/2020 for {$1000.00} and it took almost 2 months before it appeared in my wallet and I had to verify my identity about six times before it ever appeared in my wallet. So it took that long to get that one settled and now I had made a second purchase of {$1000.00} in coinbase on XX/XX/2020 and that one has yet to appear in my wallet or history or anywhere in my account. I have the bank statement that shows coinbase took the money from my account. I have emailed the complaint department several times with no results. I have verified my identity with them several times and it always comes back stating it will take up to 10 days for an answer and no results. I can't believe a company that works with millions of accounts can be so sloppy in their work. Can you help me? My email address is XXXX. 
Thank you for your time, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: Freedom Mortgage Company
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX we received a letter from Freedom Mortgage Corporation cancelling our ACH payment. Today, XX/XX/XXXX we received an email notifying us they cancelled it because they have transferred the loan to XXXX. That payments are to be made effective XX/XX/XXXX. 

We have not yet received a Servicing Transfer notice in compliance with regulation z.

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 2019-08-12
Company: EQUIFAX, INC.
State: AL
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 attempted to contact Equifax and XXXX  to get items removed from my credit file that was the result of identity theft. Please assist me in getting the following items removed from my credit file : XXXX XXXX - Balance {$1900.00} ( Equifax and XXXX  ) XXXX XXXX - BALANCE {$1900.00} ( Reporting on Equifax twice ) XXXX XXXX - Balance {$390.00} ( XXXX ) CHILD SUPP - Balance {$1300.00} ( Equifax ) XXXX XXXX - Balance {$0.00} ( XXXX  ) XXXX XXXX - Balance {$300.00} ( XXXX  ) I also submitted a FTC Fraud Affidavit to Equifax and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 am disputing XXXX  cred agency, because of the covid 19 disaster, I had to shut down 3 businsseses, all of my loans and credit cards have reported delinquent starting from XX/XX/XXXX, They should not be able to be reporting lates during the covid 19 when everything was shut down, and I still have 2 of my business shut down, I would like these late payments removed as I am trying to get an sba loan to help get them up and running and this is hurting my credit, I have disputed with my creditors and with XXXX and nothing was resolved to take off the late payments that were reported, when it was not my decision to shut these businsses down and have no money to pay these bills on time, since then I struggled to get them all up to date but the late payments from XXXX to XXXX should be removed.

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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Please remove the late payment remarks that is being reported on my credit report. This is unfair on how I work my XXXX day and night just for you to report this inaccurate 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 non-monetary relief
Consumer complaint received 2022-10-26
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: Personal information incorrect

Complaint:
In According with the fair credit Credit Reporting Act XXXX  Acct has been violated my rights 15 U.S.C 1681 section 602 states I have the right to privacy 15 U.S.C 1681 Section 604 Sec 32 : It also states a consumer reporting agency can not furnish a account without my written instructions I am names on my credit report that are not correct, there are several different names that are on my crest report that are incorrect

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 2022-02-03
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
The mortgage late reported by XXXX XXXX  in XX/XX/2021 for 150 days or more is incorrect. I was in forbearance plan in accordance with the federally mandated CARES ACT ( Coronavirus Aid, Relief and Economic Security Act ). My forbearance was set to expire XX/XX/2021, and I paid off the balance of the forbearance as well as the entire mortgage balance on XX/XX/2021. Per one of the representatives named XXXX at XXXXXXXX XXXX, he confirmed that when they received the payoff funds that they terminated my forbearance, which is the reason for the 150+ Day Delinquency on my credit report. The account should have had no late payments per the forbearance agreement and CARES ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: KS
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 XXXX XXXX, 2020, Mutual of Omaha Mortgage XXXX XXXX XXXX , XXXX add a hard inquiry on my credit reports. But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
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 a duplicate account for XXXX XXXX XXXX. I disputed in XX/XX/XXXX that a payment that XXXX XXXX is reporting I missed in XX/XX/2015 so the balance is inaccurate. Sent in copies of my bank statements showing proof. My dispute was ignored as payments were reporting correctly. How can a account report correctly if I have proof of the payment. Then in XX/XX/XXXX I received noticed that XXXX XXXX   was reporting a new account and credit score dropped 45 points. After review of the account I found it has the same account number, same balance, but the open date is the only thing different. So, I disputed again and I was ignored. Now a remark was added to the account has caused another 35 point drop as of today. I have been denied during this time. I need to be heard this is hurting my credit. 1. They never verified the missed payments as I sent in proof. 2. They are reporting duplicate account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-26
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XX/XX/XXXX order new computer on XXXX XX/XX/XXXX XXXX contacted me by email stating my card was being declined. I contacted them by phone & they said my credit card company ( Netspend ) was not letting the transaction go through. I didnt understand since the money {$1400.00} was in my account & now was deducted & shows a pending transaction on my Netspend account. I asked XXXX to cancel my order which they did. I waited a wk & have not received my money yet. I called Netspend & they told me to email them proof. I sent the orgianl receipt & cancel receipt. Waited another couple days & they told me I had to email a explanation of what happenend. I did sent them an email explanation & waited another couple days & still have not received my refund. XX/XX/XXXX I called back & talked to a mangager & he said my refund was declined because the receipt is for {$1400.00} which is the total amount XXXX charged me for & Netspend shows {$1400.00} on their side. I tried to explain to them that they are the ones who charged me for the extra {$1.00}. Every time I use my card they charge me a {$1.00} & they should see all my transaction how it shows that. They still refused. I called the main office in XXXX, TX & left voice mail messages & no one has gotten a hold of 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 2020-05-18
Company: Square Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2020, I received in the mail a Cash App Visa card that I never applied for. 

2 weeks prior, a Cash App withdrawal and other withdrawals were fraudulently taken from my bank account, which my bank immediately corrected. 

I am suspicious that what happened 2 weeks ago is connected to my receiving an unapplied for Cash App Visa card. 

I can not contact Cash App by phone or email as I have searched for a number. I want NOTHING to do with Cash App ... NO ADVERTISEMENT ... etc.! 

At this point, this company has my name on a Visa Debit Card, with an account number, expiration date, and CVV # wanting me to  activate. 

Since I can not contact them, how can I be removed from their company?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
There was a car loan open in my name that I didnt approve of nor knew about. XXXX XXXX XXXX keep saying these inaccurate charges belongs to me. Someone stole my identity and opened a account. There are fake bank statements that i never approved of nor knew a account was opened with XXXX XXXX   they said their is a payment arrangement that was set up but I never sat up a payment arrangement and it must be there employees trying to force me to make a payment to them on a fraudulent account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
TD advertises free checking with criteria and with free online banking and telebanking. When you meet the account criteria for 'free ' account, TD then charges for the bank statement to be delivered. TD conceals the fact that you must pay for the bank statement with any account. 

TD does not have functional online banking or telebanking. TD then asks us to verify our identity by describing transactions, which we are trying to learn about. We can't get a record of transactions and then TD claims it is verifying our identity by interrogating us about transactions. This violates our privacy and blames us for not being able to access our accounts. Because we don't know the transaction history we have to physically drive and come in to a branch with ID during their hours to get basic transaction history. This extorted labor is a disguised fee. 

With telebanking you can not hear all types of transactions within the given time period. With online banking it is impossible to get access to it. I was advertised to by TD online and I opened the account online and then, after giving all of my information and opening the account online, was told I had to visit the branch simply to verify my identity. In fact, the account was not opened online. When I went in they had to open the account and the whole thing took another 2 hours. I specifically asked about online banking physically inside TD bank and was told that they certainly did have online banking and it was free. I was told that I could deposit checks online and make transfers and pay bills online. This is not true. I have had the account open 2 months and have never been able to access online banking. I have called 4 times and spent a minimum of 1 hour to more than 2 hours on the phone every time I call. I can not access online banking, which was advertised to me online.

1. TD falsely advertises access to online banking and telebanking.

2. TD falsely advertises 'free ' checking when you meet the criteria by charging for a bank statement and by concealing that charge.

3. TD extorts labor from its customers, forcing us to labor for hours attempting to access online banking or telebanking.

4. TD must compensate us for our extorted labor to access our accounts, lack of access to transactions by printed statement, online banking, or telebanking. 

The false advertising gets our money to TD, then we get transactions going and are stuck in this situation, subsidizing TD 's profits with our extorted labor until we can resolve the matter and then go through the expense of going to another bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-18
Company: Convergent Resources, Inc.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This Contract is over 3 years old & was canceled. The original creditor sold the account to another agency and wrote it off on their corporate taxes as a loss and therefore, they have no claims against 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 2019-05-29
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have had nothing but trouble with Specialized Loan Servicing LLC. Every time we received a phone call from them we got a different story. We were told we were current, then another phone call we were 60 or 90 days behind. We set up an online account to pay our monthly mortgage then XX/XX/XXXX we were locked out of our online account, they refused to take payments, So XX/XX/XXXX we purchased a money order from our Post Office, a week later we spoke to a lady XXXX claiming they did not receive that payment, we had that money order traced by our post office &  we have proof that it was made out to Specialized Loan Servicing & was cashed by XXXX XXXX, we never had XXXX XXXX as a mortgage company. We sent Teller XXXX an email of the traced money order & that it was cashed & she never responded back to us. XX/XX/XXXX they refused our payment by phone & informed us we had to make @ least two payments, but then take a XX/XX/XXXX phone payment which we have proof, On XX/XX/XXXX, we spoke to a XXXX who informed us our new payment was {$670.00} & change we informed her we never recieved any notice of any change, we then asked to speak to a supervisor, so XXXX from Arizona informed us we were current as of XX/XX/XXXX, & need to focus on the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX that none of those payments a year ago cleared our checking account & we have all our bank statements proving they did, that day we wanted to make a payment & she refused our payment unless we paid two payments & then said no four payments. We can't get anywhere with this mortgage company, monies have cleared our account & is definately not being applied to our mortgage. We have asked for a qualified complete payment history that they were supposed to mail to us & we have never recieved, we also asked for monthly mortgage statements mailed to us which we don't get either. We have been stressed beyond over this but we have not gotten anywhere with them. By them refusing our payments is putting us in default & lowering our credit score. WE DO NOT WAN NA LOSE OUR HOME, we really feel we  are being frauded.

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 2018-04-04
Company: EQUIFAX, INC.
State: AL
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:
For the past few years I have tried contacted the credit bureaus to dispute several accounts on my credit report that belong to my twin brother. I was responded to with saying those accounts are mine. My equifax report has mine and his name on it. It should just say XXXX XXXX. I also have several collections, a car note, and a personal loan being reported on my equifax report that belongs to my twin brother and not me. I have not cosigned for anything for him as I can not get any line of credit because of the mix up of our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: EQUIFAX, INC.
State: AZ
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:
on XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX  days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: CITIBANK, N.A.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to modify my loan since my divorce. I began the process in XX/XX/2011. I am nearly 7 years into this process. I have filed thousands of pages of requested documents. I have averted many sale dates. Citimortgage has never officially denied my modification. The file simply gets closed just prior to the sale date. I have over $ 1m in cash and an income that can easily make the modified monthly payment. They have consistently violated dual tracking laws, requested new docs within a week of the sale date, lost documents then admitted they werent actually lost, etc. etc.

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 2020-09-01
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: Investigation took more than 30 days

Complaint:
To Whom It May Concern : On XX/XX/XXXX, XXXX, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For XXXX 1. The high credit or original amount is being reported inaccurately and inconsistently on all three bureau reports. All information on a consumer report must not only be accurate but also consistent on all three bureaus. How is it that there is a discrepancy in this account? 
XXXX Account Number : XXXX Delete this account for reporting inaccurate information. 
2. I am looking at a balance in the amount of {$1700.00} under this collection account. How is that possible? Sold account can not carry balances at all. This is utterly incorrect! 
XXXX XXXX Account Number : XXXX Delete this inaccuracy from my report IMMEDIATELY! 

For EXPERIAN 1. I am looking at a balance in the amount of {$1700.00} under this collection account. How is that possible? Sold account can not carry balances at all. This is utterly incorrect! 
XXXX XXXX Account Number : XXXX Delete this inaccuracy from my report IMMEDIATELY! 

For XXXX  1. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The high credit or original amount is being reported inaccurately and inconsistently on all three bureau reports. All information on a consumer report must not only be accurate but also consistent on all three bureaus. How is it that there is a discrepancy in this account? 
XXXX Account Number : XXXX Delete this account for reporting inaccurate 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