BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Transunion ( " the CRA '' ) has committed multiple FCRA violations against me. 

Transunion has consistently stamped my disputes as " verified '' and " accurate '' without conducting reasonable investigations. The CRA has returned investigation results noted " updated '' with no updates. They have reported late payments on accounts of mine that are paid and closed. 

The CRA has violated my rights and completely ignored any procedural rules required by the FCRA. 

I have attached, in detail, an initial review of at least 10 accounts that should have been removed from my credit file because they were not corrected or updated. Instead, the CRA stamped these accounts " verified and " accurate '' and repeatedly re-verified as accurate, with absolutely no proof. ( see attached document ) Here are the violations I am seeking remedy for : 1. Failure to properly investigate my disputes 2. Failure to update, correct or delete inaccurate information on my Transunion report 3. Failure to disclose information to me that is relevant to the investigations 4. Failure to send me complete and accurate reports 5. Knowingly falsifying my credit report with negative information 6. Knowingly inserting late payments on accounts that were paid and closed 7. Failure to conduct a reasonable investigation 8. Extending the investigation period for me longer than legally permitted 9. Failure to consider and review all relevant information in my disputes 10. Failure to remove inaccurate unverifiable 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 non-monetary relief
Consumer complaint received 2022-08-11
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AS I RESEARH THE SITUATIONS REGARDING OUR RESIDENTIAL PROPERTIES WHICH ARE INVOLVED IN MORTGAGE FRAUD, I AM NOTICING NOT ONLY WITH OUR SITUATION, XXXX OTHERS AS WELL WHENEVER THERE IS A DOCUMENT OF FORECLOSURE REGARDING JP CHASE MORTGAGE REGARDING PROPERTY FORECLOSURE THE DOCUMENTS ARE SENT TO XXXX AND A IND BY THE NAMEOF XXXX XXXX WHO IS NOT FOMERLY EDUCATED SIGNED OFF AS HE IS THE VP. AND THE NOTARY IS THE SAME INDIVIDUAL ON NMEROUS DOCUMENTS. THE NOTARY IS ALSO ON XXXX XXXX DISCUSSING HER FORECLOSURES. WE BEGIN TO QUESTION : 1. WHY DOES XXXX XXXX AND XXXX IN XXXX USE THIS LOCATION? 2. THE VP IS APPROXIMATELY XXXX YRS OF AGE AND AN AA MALE. DOES HE KNOW WAT HE'S SIGNING. 
4. IS XXXX XXXX PAYING HIM IN THE FORM OF KICKBACKS 5. ALSO WHY WOULD HE SIGN FOR XXXX XXXX XXXX IS HE WAS THE ORGINAL PURCHASER OF THE HOME WHICH IS LOCATED AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE HOME WAS FORCLOSED ON BY JP CHASE AND HE REPURCHASED ILLEDGALLY VIA XXXX XXXX. THIS BASICALLY PROVED XXXX XXXX XXXX WHO STOLE OUR HOME AND THE TRUSTEE COMPLETED AN ILLEGAL SALE ND KNEW OF THE FRAUD, XXXX XXXX PAID THEM TO GET IT BACK. WE WERE TAKEN! 

THE HOME IS IN XXXX. THERE ARE INDIVIDUALS IN THE XXXX AREAR WITH THE SAME STATUS WHO COULD HAVE SIGNED OFF. NOTICE XXXX NOTARY HAS A LIFETIME PRIVILEDGE, SO THIS BASICALLY MEANS THE DATES ARE FRAUDULENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: Coinbase, Inc.
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
Complaint against Coinbase On XX/XX/XXXX, I attempted to buy {$200.00} worth of XXXX. I pressed confirm buy but nothing happened. I watched, logged out, logged back in later, still no indication my purchase had gone through. So I tried the purchase again. Immediately my purchase showed up on the screen as confirmed. I assumed the initial attempt to buy was unsuccessful. 

Then I noticed that my bank account had been charged for two {$200.00} purchases. I checked my Coinbase account and only one purchase was credited. I called my bank and asked them to reverse the payment for which Id received no credit. They reversed that payment. 

Fully one week later on XX/XX/XXXX the initial purchase, for which I 'd had no confirmation, finally showed up in my Coinbase account. But by then my payment had been reversed. I contacted my bank but they could not reverse the reversal. 

Today, I found that Coinbase took back {$200.00} worth of XXXX out of my account but did it at todays Bitcoin price causing a loss to me. This was a problem caused by a failure of their system. I should not incur a loss because of their error. 

Now my Coinbase account is locked. I ca n't buy or sell. I ca n't set up a new payment system. I 'm totally stuck. 

I 've tried repeatedly to contact Coinbase Customer Support with no success. They have no phone number to call. The email address for customer support no longer accepts messages. I 've repeatedly communicated through their online customer support contact system without success.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: WELLS FARGO & COMPANY
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Back in XX/XX/XXXX I closed my accounts with Wells Fargo completely. I have an email from XX/XX/XXXX stating my account ending in # XXXX had been closed effective XX/XX/XXXX. I now keep getting reoccurring emails about the balance of my account ending in # XXXX. I never had an account ending in # XXXX ONLY # XXXX. 

I never gave permission to keep an account or open a new account. I have closed all my accounts with Wells Fargo in person with local Wells Fargo branch. 

I have every email up to the present month of statements for the new account and I can provide proof of them if needed.

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 2019-05-02
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Timeline : XX/XX/19 payment of {$160.00} made in by mistake to an old XXXX card XX/XX/19 Three way call made to XXXX, spoke with XXXX, who advised to fax tracking details to XXXX. Advised to allow 7 to 10 days. Fax sent requesting refund. 

XX/XX/19 Three way call made to XXXX, spoke with Manager XXXX, who advised all payment research for close XXXX account goes through Citibank and to call XXXX XX/XX/19 Called Citibank at XXXX, spoke to XXXX who confirmed Citibank does handle payment research for closed XXXX accounts, and requesting proof tracking details are faxed to XXXX ATTN : IRU payment investigations. Fax sent. 

XX/XX/19 Called Citibank IRU again, spoke with XXXX, who could not confirm if documents were received although confirmed they were faxed to the right fax #. XXXX will escalate to management and asked to allow 7 to 10 days. 

XX/XX/19 Called Citibank IRU again, spoke with XXXX, whose management refused to take the call after multiple attempts. Faxed payment tracking details again.

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 monetary relief
Consumer complaint received 2018-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I received a Trans Union Report stating that the disputed XXXX account was verified, paid late collections. It states on the Trans Union report that I paid on XX/XX/XXXX, and debt is closed. 
This is inaccurate information STILL being reported on my credit report and needs to be taken out immediately. 
I am requesting TransUnion to show me the bank paid check or any payment with my name and account number that i made such payment. To date, Trans Union has NOT provided any proof. 
I can provide my bank statement to show proof that I DID NOT MAKE ANY PAYMENTS ON XX/XX/XXXX. I can provide proof for the XX/XX/XXXX Calendar year I made no payments to XXXX. This information is all being made up by TranUnion and or Creditor XXXX. As being disputed multiple times before, I made all my payments on time and account closed. There should be no negative XXXX items reported at all. 
Let me know where you want me to send my proof. My Point is, TransUnion IS NOT Checking or verifying anything with my report and this XXXX account. I have been hurt in scores and unable to purchase a home because of so many errors found on 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 2017-11-22
Company: Big Picture Loans, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX I applied for a {$800.00} loan. Later I discovered that my payments would be {$320.00} and end in XX/XX/XXXX totaling over {$3800.00}. The interest rate is ridiculously high. I have currently made two payments totaling about {$650.00}. Please help me if possible. There is no way that I can afford this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dear Sir /Madam Re falsification of Information by XXXX XXXX XXXX  and transfer of The Said False Information To debt collection company Credence Resource management base at XXXX XXXX XXXX XXXX XXXX Texas Zip code XXXX who had call me From a XXXX to my Telephone Line XXXX repeatedly asking several interrogating questions without giving me reasonable time to address their false claim and statement repeated and uttered over eight times supervisor for the company was over aggressive even when i told him i have not received any services from XXXX XXXX  XXXX from XX/XX/2021 when I engaged the company with an intent to contract them as service provider after they collected payment of XXXX XXXX & XXXX XXXX Dollars and XXXX cents { XXXX } XX/XX/2021 for gadgets and service that they said they would provided and did not deliver on the date and time agreed upon i call several time there customer service department to have the service cancelled which they told me they did. the confirmation number i cant provided the immediately but there records that must save for seven years should be available for reference. these calls were made between XX/XX/XXXX and XXXX when I have to call my bank to dispute the initial charge which was paid back on XXXXAs a result of this false claim i am respectfully asking for an investigation for this false claim of payment of XXXX XXXX and XXXX XXXX dollars and XXXX XXXX cents which i am not owing and was never gotten any service to this address .Submitted for your immediate attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
My account was closed after informing the bank about my hardship. Monthly payments were way too much.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: FMS Inc.
State: AZ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Received call from FMS at work on XX/XX/XXXX and called that following day before there office closed and spoke with one of there representatives that I can not receive calls at the workplace. They advised me the number was removed. I Received another call on XX/XX/XXXX at work from XXXX XXXX. I then Contacted FMS XXXX XXXX XXXX ( FMS ) again since it was the weekend that following Monday and spoke with XXXX on XX/XX/XXXX advised XXXX to remove my work phone number from there list and advised them my workplace does not allow personal calls. I then received another call from another Male from FMS after my co-workers advised them I can not take those calls at the workplace. The company refuses to listen to my requests on having the company remove my work number since i can not take personal calls in the workplace. XXXX also threatned that if i didnt pay up there was going to be a nasty report sent to the major credit companies. She was short and rude.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Credit card showing 30 days late on all my credit reports.

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 2018-05-15
Company: Experian Information Solutions Inc.
State: MA
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:
XXXX XXXX XXXX  for the amount of {$7100.00}. I have disputed this account with Experian, XXXX and XXXX. Once again XXXX XXXX XXXX has not responded to my debt validation and this would be a violation of the FDCPA, FCRA and 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 non-monetary relief
Consumer complaint received 2017-02-12
Company: Cash Express, LLC
State: KY
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
Cash express in XXXX TN. Is there number XXXX XXXX XXXX. They will not accept my payment demand me to have my payment of XXXX besides the XXXX that i originally make my payment on the XXXX of each month Cash express knowledge me that starting in XXXX they will be offering flex loans and my loan will need to be changed over to it if I did not have it paid off by then. 
I went in to pay my payment they refused it cause my income was not income and told me they can not accept my income that was on paper cause my employer does not have a landline business phone number ... ...

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Tried to add wife to saving acct. Could not accomplish it with help of cust service reps ( 3 attempts ) ..They wanted to combine on line access with credit card. They could not accomplish and as a result they suspended the credit card! 

They became very uncooperative and combative. We both got very frustrated. I received a notification that money could only be transferred for my savings account with their approval. This was a separate transaction. Can they dictate when I can withdraw MY money?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On Wed XX/XX/XXXX, XXXX XXXX initiated a payment from his Citizens Bank to XXXX XXXX 's XXXX Checking Account via XXXX. The transaction was an on-line transaction ( not mobile ). The account number for the XXXX Account was missing ONE DIGIT. As soon as we realized the problem, we called Citizens and were informed ( twice ) to NOT worry, the transaction would fall to a bad account and never complete. After a few days without getting the $ back, we contacted XXXX XXXX  and realized the bad account number that was entered on-line was actually a valid personal checking account number. 

At first XXXX offered to assist us but then called informing us that there was absolutely nothing they could do. XXXX would not re-route or transfer the money to the original or correct account! XXXX would not reach out to the account holder in any way. They did call the bank branch in Michigan, but the branch would also NOT agree to contact the inaccurate account holder. XXXX claims they were bound by privacy policy and could not let the account holder know the money was incorrectly deposited into their account. Can you imagine if XXXX had made this mistake into your account!?!? 

There was no name validation or any other validation of any kind. 

We also contacted Citizens Bank multiple times. Citizens Bank would not even try to assist us like XXXX did. 

Citizens and XXXX XXXX BOTH offered a manager to call us back but neither one ever followed up with the promised phone call!!!! 

XXXX XXXX Bad Account ( missing the XXXX ' ) AN XXXX RN XXXX XXXX XXXX Good Account AN XXXX RN XXXX Citizens AN XXXX RN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: ORG GC GP Buyer, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DEBT COLLECTION GC SERVICES CALLS MY FATHER ALMOST ON DAILY BASIS ASKING AND LEAVING MESSAGE FOR A TENANT THAT DOESN'T LIVE IN THE BUILDING ANYMORE. THE REPRESENTATIVE XXXX XXXX HARRASSMENT MY ELDER FATHER ASKING FOR SOMEONE WHO IS NOT RELATED WITH US. NEVER LIVE WITH US. I SPOKE WITH A SUPERVISOR BUT PHONE CALLS CONTINUES.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I, finance a vehicle with XXXX XXXXXXXX XXXX on XXXX and on XXXX furthermore, I paid the vehicle off, thru out the entire loan and until now the Lender has never send any reports or payment history to any of the ( XXXX ) Major credit reporting agencies and now after reaching the lender they claimed that they only can send a payment history over the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I, finance a vehicle with XXXX XXXX XXXX  on XXXX and on XXXX furthermore, I paid the vehicle off, thru out the entire loan and until now the Lender has never send any reports or payment history to any of the ( 3 ) Major credit reporting agencies and now after reaching the lender they claimed that they only can send a payment history over the mail.

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 2020-05-04
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: Information belongs to someone else

Complaint:
I KEEP HAVING ACCOUNTS APPEAR ON MY CREDIT REPORT THAT I THINK ARE FROM MY IDENTITY THEFT CASE FILED SEVERAL YEARS AGO.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had a car loan with Santander USA for a whole year I paid them and nothing was apply to my account. This was over 3 thousand dollar, XX/XX/XXXX was suppose to be my last payment but they said I had to pay them for another year. Just this year I got another bank to refinance my car loan. But these people still took money I already had paid them. I had documentation to support this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery calls me AT LEAST once a week and threatens to sue me for my uncollected debt. They call and dont announce themselves just ask to verify my birthday and address in a very non-secure manner. Theyve used abusive and explicit language on the phone with me over the past 1 year and continue to call me although I do NOT have a sign contract or agreement with their company. Ive told them to leave me alone and they continually harass me. I need to leave me alone so I can have some peace of mind. 

Theyve also assigned my minor account over to an attorney over our disagreement but once again I DO NOT have an agreement or contract with Portfolio Recovery so I have no idea why theyre calling me harassing me trying to collect money that isnt owed to them. When they bought my debt from XXXX XXXX it became their problem, not my problem anymore.

Company response to consumer: Closed with non-monetary relief