BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Tried disputing items on my report because they are invalid and wont explain to me how they got to the amount. One of the accounts says XXXX  two times and the amount is outrageous. Plus an extremely high amount of inquiries. I believe my credit report needs to be validated and checked if they were given consent to report such items that are in fact inaccurate. when disputing items nothing was done.

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 2017-07-07
Company: EQUIFAX, 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 am providing you with my former employe rs EIN num bers received from social security. I n  XX/XX/XXXX . I  worked for   XXXX   XXXX  . Fro m  XX/XX/XXXX - XX/XX/XXXX  I  was employed with   XXXX    XXXX . I was employed with  XXXX    XXXX    XXXX  from  XX/XX/XXXX - XX/XX/XXXX . Their EIN #  is  XXXX . I was employed with  XXXX   XXXX   XXXX   XXXX   XXXX  from   XX/XX/XXXX - XX/XX/XXXX .Their EIN #  is  XXXX . I 've sent  XXXX   XXXX   XXXX  a copy of my current drivers license. I just updated my address to reflect my current address. My new address is  XXXX   XXXX   XXXX   XXXX  Tennessee  XXXX . My late mother & father social security numbers are  XXXX  &  XXXX . I changed my name through probate court to  XXXX   XXXX   XXXX . My maiden name is  XXXX . My parents social security numbers are being used, even though they are deceased. Equifax is ignoring all of the information I submit. Even if I mail everything they request. I took a picture of my drivers license & sent it to you. I will submit copies of my parents death certificates & my marriage linsence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: MoneyLion Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
moneylion is a investment lender.. a small loans is provided and a portion of the installment is invested back to the company and portfolio.. after unexpected hospitalization i tried to settle an cancel thinking the invested portion of the plan would cover the loan.. moneylion denied my attempt an continued to withdraw from my account ultimately causing me to close my bank account due to excessive overdraft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
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: Information belongs to someone else

Complaint:
XXXX/XXXX XXXX XXXX/XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-15
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: Information belongs to someone else

Complaint:
XXXX/XXXX  XXXX XXXX/XXXX  XXXX Account # XXXX XXXX   XXXX XXXX XXXX I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

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 2020-02-15
Company: Paypal Holdings, Inc
State: MI
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 am submitting a formal complaint because I have " Hard Inquiries '' on my credit report regarding a credit card which I did not apply for, and I can not seem to get anything settled with the company on my own. I came across an inaccuracy on my credit report and as advised I submitted a dispute via XXXX XXXX. Upon receiving word back from XXXX XXXX they stated that " BILL ME LATER INC/PAYPAL '' are claiming the information they reported to be accurate. I then contacted the creditor through telephone.. they claim that they do not have any accounts open in my name, closed in my name, and they can not find any credit application within their systems. They claim that they do not have my name or social security number in their files, but they sure did make a negative impact on my credit scores. I do not know exactly how it happened, but I do know that I never authorized or gave any sort of consent to the creditor ( s ) " BILL ME LATER INC/PAYPAL ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX/XXXX/2019 -- Capital One reports massive data breach XXXX/XXXX/2019 -- Capital One unilaterally changes online access to customer credit card log in by requiring dual-factor authentication ( 2FA ) user MOBILE PHONE NUMBER ONLY. Capital One does not permit its customers to use 2FA log in using 2FA apps ( e.g., XXXX authenticator, XXXX authenticator, etc. ). Nor does Capital One have the capability to send a temp code by email for 2FA. 

Why would I give Capital One my mobile phone number when the company just lost XXXX XXXX user data in a breach caused by the company 's gross negligence? 

Result : Based on Capital One 's unilateral change in its service terms and its imposition of a requirement to use an antiquated, insecure 2FA procedure, I can no longer log in online, nor make payments online, thereby causing me to waste time dealing with this company. 

Remedy requested : Require Capital One to offer 2FA options using : 1 ) email and 2 ) widely-available 2FA apps ( that I ( and many others ) use to log in to a wide variety of accounts ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: AMERICAN EXPRESS COMPANY
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Hello I have an American Express serve prepaid card account & haven't had any problems until today XX/XX/2020 there is an unauthorized charge of {$49.00} on my account which was my bill money to pay a bill due on this same day & it is impossible to get I touch with anyone to get help with this problem that is really about to cause me unnecessary issues & late charges due to utter incompetence, I have tried contacting for help & nothing at all I need something done about this immediately thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: HOME FINANCING CENTER
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have requested for the removal of my property mortgage insurance ( PMI ) from my mortgage ( lender ) for the past three years. I have put the request in writing both in email form as well as mailing a certified letter with confirmation signature of receiving. My first request dating back to XX/XX/XXXX and the latest on XXXX XXXX. 
On XX/XX/XXXX I was advised by customer service to submit the request to supervisor XXXX XXXX, and to include her manager XXXX. I received a follow up email from XXXX stating " The MIP will automatically be terminated by HUD. We have attached the document & highlighted the termination date. Have a beautiful day ''. 
I tried calling XXXX to discuss her email and instead I received a follow up email stating " Please see the attached Servicing Disclosure Statement wherein it states that we may assign, sell or transfer the servicing of your loan. I have also attached a copy of the XXXX XXXX requirement wherein the MIP Insurance must remain on each individual loan. As we have stated previously the MIP will be automatically terminated and there is nothing further we can do at this time ''. 
My loan is a FHA 30 year loan. Not only does the information XXXX has sent does not apply to my request or mortgage closing disclosure documents, the attachment XXXX sent is a falsified signature document dating back three months before the closing date. According to my mortgage contract signed on XX/XX/XXXX is as follows ; FHA LOAN 30 year If mortgage was Originated prior to XX/XX/XXXX 1. The loan has to reach 78 % loan-to-value from the last known value of the home and not its current appraised value. ( The " last known value '' is the value of the home at the date of purchase ; the last time the home was FHA-appraised. ) 2. Annual MIP has been paid for at least 60 months. 

My closing date was on XX/XX/XXXX, and as per my closing documents I can request for removal of PMI once 5 years and/or 80 % LTV. All payments have been made in a timely ( never late ) as well as additional funds towards principal have been made, thus bringing the LTV below 77 %. Again, I have been requesting the removal of the PMI from mortgage and have been given run around. I have left messages for XXXX and XXXX to call me regarding matter but have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello, My name is XXXX XXXX XXXX ( XXXX ) an international student from XXXX XXXX holding a valid XXXX XXXX  and Driver license without SSN. I invested the digital currency ( ethereum and litecoin ) through the platform - Coinbase, a digital asset exchange company headquartered in XXXX XXXX, California. I was only asked for valid Driver license when I buy those currency. My account information is my email address : XXXXXXXXXXXX I sold ethereum ( XX/XX/2017 ) for {$2300.00} USD and those fund was back to my digital wallet, which they called USD wallet. However, I am only able to withdraw {$1000.00} money back to my bank, and they suddenly required ssn for withdraw. There is no clear statement that I required to have ssn to invest, ssn is only written as the way to increase the limit I can buy or sell in a week, which coinbase have stated I have {$10000.00} selling limit per week. Currently, I ca n't withdrawn money or sell more digital currency I have in my account. The account is required ssn to make any further movement, it is basically frozen now. There are about 1.3k USD in my litecoin account ( the currency keep changing on the market ), XXXX USD in my USD wallet and XXXX USD pending money which will transfer to this USD wallet. 

I have tried contact their customer service, but there is no way to call them and their email is no longer available. Only way to reach them is through submit a request or message their support through XXXX, which they never response. I have tried to close my entire account to withdraw all my money but it also require ssn information. 

Coinbase community has a forum, which named Coinbase community, there are many invester facing similar problem and never get a response from Coinbase. 

It is what it 's happening now, Thanks for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: DISCOVER BANK
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
There is an advertisement and a pre-approval form which states that you can " see if you're pre-approved with no harm to your credit. '' It states, " it's fast and secure '' and " there is no impact to your credit. '' A little further down it lists the " benefits '' and the first two benefits each have a footnote. 

Upon learning that I was pre-approved it immediately tells you to complete the application to apply, which I did. Immediately thereafter, I received a notice of a hard inquiry on my credit report and my credit score immediately dropped 8 points!!! 

I immediately contacted Discover at XXXX and spoke with XXXX ( who was very nice ). Unfortunately, however, XXXX was unable to assist with the issue, explaining that upon speaking with his supervisor there was nothing they could do and that they are sorry it is not more clear that it was a two-part process and that only during the pre-approval phase would there be " no harm to your credit. '' I believe that in the same manner they have the footnotes which provide additional detail and transparency with regard to the " benefits '', they should also have a footnote that would provide true transparency that if you choose to apply AFTER you have have been pre-approved, the second step or the completion of step two will result in a hard inquiry on your credit report. Had I known there would be a hard inquiry on my credit report I would NOT have applied. Discover wasn't my first choice. 

You can view the offer by going to the following link : https : //www.discovercard.com/application/website/prequal # prequal-match-disclosure I am angry. I did not want a hard inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
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:
There is a bankruptcy reporting on my credit report that does not belong to me and is causing me a hardship with obtaining credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX, put a late payment on my credit report for an account that I closed in XXXX 2017. XXXX XXXX  had went out of business and I called there customer service line and they did n't have a clue how I was suppose to submit my payment for a credit builder account. The account showed closed in XX/XX/XXXX on my credit report and now in XX/XX/XXXX It 's back open with a late payment.

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 2020-02-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
BofA agent provided wrong info on late fee.

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 2020-02-15
Company: EQUIFAX, INC.
State: MO
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:
Equifax, XXXX, and XXXX are reporting incorrect information on my credit report in my personal profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: Franklin Collection Service, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Things that are fraudulently list many different ways on each credit report. This Franklin is list numerous of ways on my credit and has been removed only from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX XXXX,2017 Navy Federal Credit Union Transferred {$710.00} from my savings account to my home improvement loan with out my permission and refused to put it back even after I told them the money was for personal things given to me by my lawyer to live on until about the XXXX of XXXX when my settlement comes in and I intend to pay off my loans in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: CITIBANK, N.A.
State: CA
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:
Sear Gold Cred it Card Report shows account was closed in   XX/XX/XXXX  and date of 1st delinquency was  XX/XX/XXXX  I did tried to resolved this for lower monthly payments and or settle it for lower balance but was denied! Customer Serv ice representatives were very rude and threatened me with a charged off to ruined my credit.

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 2020-02-15
Company: LEXISNEXIS
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A lender brought it to my attention that this company has me attached to two socials or more than one social. They did not specify. They did say that this is common with identity theft and that files are known to merge when someone is using your info. I am a victim of identity theft and first became aware XXXX of 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX, Experian, and XXXX are reporting incorrect information on my credit report in my personal profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX, XXXX, and Transunion are reporting incorrect information on my credit report in my personal profile.

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 2019-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 was wondering where did credit bureaus get this public information when the recorder of deeds, the magistrate or the court itself did not furnish any of this information to the credit bureaus. They do not provide any proof to justify their reporting. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information Chapter XXXX Bankruptcy XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
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: Information belongs to someone else

Complaint:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XX/XX/XXXX {$5400.00} XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XX/XX/XXXX {$12000.00} XXXX XXXX XX/XX/XXXX {$18000.00} XXXX XX/XX/XXXX {$840.00} XXXX XX/XX/XXXX {$4300.00} XXXX XX/XX/XXXX {$1400.00}

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 2019-08-04
Company: EQUIFAX, INC.
State: MD
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 have been trying to place a security freeze on credit reporting with Equifax for months. Their site online at https : //my.equifax.com will not let me sign in due to technical difficulties. I have approached Equifax about this problem through their recommended support channel ( their phone number XXXX ), but they are unhelpful. Each time they tell me that it's a temporary technical problem. Temporary technical problems don't last for months, but I guess I shouldn't be surprised since they were so effortlessly breached in 2017. I have contacted Equifax on XXXX via their handle @ AskEquifax, but I didn't receive help through this channel either. 

The way all of this works is incredibly messed up. I never agreed to be tracked by these para-governmental credit reporting agencies. Furthermore, when I wish to place a freeze on my information, I can not get help with doing so.

Company response to consumer: Closed with explanation