BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2020 i sent in a disputed letter to XXXX and TransUnion about an unverified account on my credit report and i have not got a response back in 30 days and they have not removed it or contacted 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 2019-09-05
Company: BARCLAYS BANK DELAWARE
State: NM
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:
Thanks to the CFPB I was able to get my account settled after it was lost in their system. Now they are reporting I still have a balance when I dont. I am a vet trying to buy a house and desperately need a paid in full letter but they refused for over two weeks after the money cleared my account. After 25 phone calls and six people each day I am now getting them to fax a letter but it takes up to 48 business hours and the last one was supposed to be sent four days and my lender didnt get it. So 20 calls later they are resending it and of course it will take another 48 business hours because they refuse to expedite it. They also refuse to give me to a superior stating that no one is there at the moment.

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 2018-03-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Have advised all 3 bureaus that I am a victim of ID theft have submitted police reports, ID Aff. and they refused to remove the accounts that are included which are : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I sent them the latter and they have not removed this unauthorized inquiries

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 2019-09-05
Company: EQUIFAX, 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 status incorrect

Complaint:
In XXXX last year, XXXX XXXX  transferred our Loan Servicing to XXXX XXXX XXXX XXXX and we were on a 1 year deferrement which did not require payments and should not have been reported as late on our credit report. 

We have since then successfully completed our loan modification trial payments and the account should have been restated as a new loan with the old account information deleted or bought current based on the newly approved loan modification. We completed our trial payments in XX/XX/XXXX and all 3 of our Credit Reports needs to be updated as current. 

Our loan is not being reported correctly as stated in the letter issued by XXXX XXXX on XX/XX/XXXX, after I reached out to them to raise our concerns via faxed letter to their Customer Service Department in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: Clarity Services
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
After already submitting CFPB Complaint # XXXX Clarity Services Incorporated responded to my complaint with the following : " In response to this complaint, on XX/XX/2018, Clarity Services ( Clarity ) contacted the consumer to request the information necessary to assist with their concerns. On XX/XX/2018 and XX/XX/2018, Clarity followed up with the consumer to request the information necessary to assist with their concerns. As of XX/XX/2018, the consumer has been unresponsive to Claritys attempts to assist with their concerns. '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This is not true I attempted to call them back at the number I was given by the representative XXXX. When I call the number it was an automated system I waited on hold for 45 minutes but no one answered, so I left a voicemail. After I received a second voicemail message I decided to send them an email which was sent on XX/XX/XXXX requesting a response. 

They must not answer their phone, check their voicemail, or check their email, at Clarity services inc. 

I did respond to their voicemail and made several attempts to contact them. Their response to my cfpb complaint was not aligned with the facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANYS DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

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 2022-01-09
Company: EQUIFAX, INC.
State: MD
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:
This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XXXX, 2021 which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
I Have been seeing this account on my credit report, But this account dose not belong to me and i dont know why its showing up on my account. I have an actual account with the same people and MY account is in good standing and is alway paid I wasnt aware you could have 2 credit cards from the same place.. this account is unauthorized, and I do not know anything about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-17
Company: Experian Information Solutions Inc.
State: NJ
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:
Experian fails to investigate a Medical collection from a company called XXXX this is not my account and is for XXXX $ from 2013! I have asked for an investigation proving it belongs to me with no success I want proof its mine or I will have to consider this fraud and stolen identity unless its removed from credit file. 

this has been over 30 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 explanation
Consumer complaint received 2021-06-10
Company: CL Holdings LLC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract. Since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: LoanCare, LLC
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Four weeks ago, I filed for forbearance under the CARES act. I was told I would hear back from the servicer in 3-4 days. Yesterday I received a letter in the mail. It included the offer of forbearance and a contact name and extension ( required by law - single point of contact ). The offer is not in compliance with the law or recent guidance provided by FHFA / XXXX XXXX XXXX XXXX XXXX  statements about forbearance under the CARES act. I called the number on the paper to speak with the designated representative. There is no way within the automated system to input the extension provided. It took me over an hour of fighting the automated system to get a live person. The person who answered told me there was no way within there system to transfer me to the designated person provided on my forms. I expressed my concern that the offer did not match the law and was told that was all they could do. XXXX ( Rep XXXX ) then proceeds to tell me first they can only do what the bank tells them. Then second I could call the bank or XXXX XXXX. I expressed my concern that they were the servicer and had the responsibility to comply with the law. She tells me first she could only do what the bank tells them and then says shes just a little ole loan counselor and she could only do what they tell her. 

First, Loan Care is not complying with federal laws on servicing. There is no way to reach the designated point of contact provided in the offer. The servicer is not complying with the CFPB requirements of single point of contact. The system is setup to avoid human contact and force all customers into a automated system with no way to contact actual employees. 

Second, the offer of forbearance does not comply with the CARES act and is directly contradictory to direct statements from XXXX XXXX and XXXX XXXX recently made. The offer was for 90 days and requires full payment at end of term. 

Third, Loan Care tried to say they could only do what the bank allowed them to do as they were just the servicer. This loan was originated by a community bank many years ago and sold to XXXX XXXX. The bank that originated this loan was top quality servicer. Federal laws resulted in this loan being moved to loan care which is a disgrace. 

The service is terrible, the servicer just blames XXXX XXXX and the originating bank. It is clear from XXXX XXXX letter and the CFPB blog, It is the services responsibility to comply with the law yet Loan Care has not intent of doing so.

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 2019-06-27
Company: Self Lender Inc
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The self lender account that was open on XXXX XX/XX/XXXX was open fraudulently I did not authorize this damaging account on my report or near did I apply for a installment loan with self lender because I wasn't aware of self lender at time I was not checking my credit report or I haven't had alerts enable to receive updates on my credit report so I was unaware what was going on with my credit report file I am 100 % sure that this account was opened by a mistake XXXX XXXX is a very very popular name or my Social Security could have been compromise on on a fake website And I am writing to assist with this credit report disputing process to get this damaging report off my credit file that stoping me from being financially stable at a early young age I disputed within 30 days haven't heard anything after 30 days with XXXX according to the Credit Reporting Act each and every credit bureau has 30 days to reply to your credit dispute inquiry if failed to do so employees of TransUnion failed to do their job that can result in lawsuits so I am requesting that this damaging fraudulent dispute be removed from my credit file To be specific 1 self lender account is currently open as of XXXX on my account that I am aware that I authorized. 

XXXX XXXX lender account is currently closed as of XXXX that I did not authorize and was not aware of this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 45 days later I have not received a response yet. I feel like I am being taken advantage of and my disputes are being ignored. In Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report ; it has been over 45 days, so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress that you have caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 HAVE BEEN A VICTIM OF THEFT THESE ACCOUNT WAS OPEN WITHOUT MY CONSENT

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 2020-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

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 2021-07-12
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have a Coinbase account that I had to lock myself out of due to it being hacked by an unauthorized user. I got a text in early XXXX of 2021 from Coinbase as if someone was trying to access my account. When I went online to sign in, they sent me a verification code to a phone number Ive never had ending in XXXX. I immediately disabled my account which still has {$30000.00} in there and I had one automated email from Coinbase telling me to change all my email passwords which I did, so I sent them another email explaining I did all the steps they required me to do and got one more email back from them saying they were having an account specialist look into this for me. Since then Ive sent 6 follow up emails about the status of my account and my funds and no one has gotten back to me. Ive have XXXX stored in Coinbase and about {$15000.00} in crypto just floating that I dont have access to trade or withdraw.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-28
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received targeted Citi advertisement for opening a new checking account that indicated I would receive a bonus of XXXX XXXX XXXX miles if I completed the following : 1. Open a new checking account in the Citi Priority Account Package by XX/XX/XXXX ; 2. Spend {$750.00} in purchases using my Citibank Debit Card within 60 days ; and 3. Make 1 qualifying bill payment for 2 consecutive months within the same 60-day period.

Based on this advertised information, I proceeded to open a new checking account and began making purchases with it as of XX/XX/XXXX. I then met the requirement to spend {$750.00} dollars using my debit card and made 2 consecutive months of bill payments for my electricity bill. Then, over the course of the next few months, I contacted Citi about the pending bonus. In my communication via chat/messaging with Citi, I was informed on three separate occasions that I had met all the requirements but simply needed to wait for my bonus miles to post. Yet, the bonus had not posted after significant time passed. So, I contacted Citi for the fourth time to inquire about it and this was when I was informed that previous representatives had misinformed me - I did not in fact meet all the qualifications because the 2 consecutive months of bill payments that I made did not qualify since they were not made directly form the Citi website or mobile app. 

Citi 's practices and communication in this regard are unfair and deceptive per the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010. They are unfair because they resulted in substantial harm by withholding XXXX XXXX XXXX miles that was not reasonably avoidable. They are deceptive because material terms regarding the account were misrepresented initially and after account opening.

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 2021-04-13
Company: EQUIFAX, INC.
State: NJ
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2020 i sent in a disputed letter to Equifax and XX/XX/XXXX about an unverified account on my credit report and i have not got a response back in 30 days and they have not removed it or contacted me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: TOTAL MORTGAGE SERVICES LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started a mortgage refinance application on XX/XX/2021. For the most part, everything was going fine until the processor ( XXXX ) asked for my son 's birth certificate. My son is XXXX, and I include him on my income since he gets SSDI. Total Mortgage Services stated they need to confirm our relationship. I told them that this makes no sense why they are requiring excessive documentation to see the relationship. Do other people have to confirm relationships? A birth certificate is extremely sensitive paperwork that should not be floating around in a loan package. I can see a federal or state agency asking for documentation but not for loan. Furthermore, they already had his social security verification letter for income and our bank statement which has both our names listed as owners. XXXX XXXX said he could add my son to the loan which we did not want to do nor is it acceptable to try changing what I already had applied for and my locked rate. The point is I am a senior citizen and my son is XXXX and I feel the excessive asking for his birth certificate is unacceptable and reckless -- this is not normal paperwork for a mortgage. So since I replied to him we are still not providing a birth certificate nor changing the loan application he decided to cancel my mortage application today.

Company response to consumer: Closed with explanation