BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have written letters to XXXX, TransUnion & XXXX  about inaccurate information reporting on my personal credit report. I understand that under the 602 [ 15 U.S.C. 1681 ] it's against my rights to have inaccurate information on my credit report. I'm trying to buy a new home for my family but am unable to do so because of inaccurate information on my 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 2019-05-19
Company: BARCLAYS BANK DELAWARE
State: MD
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:
These Inquiries should not be on my credit report! BRCLYBANKDE ( Credit Inquiry on XX/XX/XXXX ) BRACLYBANKDE ( Credit inquiry on XX/XX/XXXX ) XXXX ( Credit inquiry on XX/XX/XXXX ) XXXX XXXX XX/XX/XXXX ) XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX!!! Now all of these are inquiries that should not be on my credit report. I have never applied for anything and have never had any accounts or Credit cards from any of these companies before! My Identity was stolen through identity Theft and yes I did report al of this? Can someone please look into this matter please Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: EQUIFAX, INC.
State: SC
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
XXXX XXXX XXXX originally placed a Fraud Alert on my Credit Report sometime in XX/XX/XXXX or XX/XX/XXXX that I " Did Not '' Request or Order ( so I'm unaware of the exact date alert was placed ). Then when I called & had the Fraud Alert Services Be Cancelled from Equifax on XX/XX/XXXX they sent an Extended Fraud Alert Request on my behalf ( per confirmation letter ) to XXXX XXXX & XXXX that I again did " NOT Request or Order now I'm having problems getting the Fraud Alerts taking off my Credit. I didn't ask, Order or Request the Fraud Alerts be placed there by Equifax, XXXX or XXXX   and I can't get the Alerts taking off by XXXX or XXXX. Neither of these Companies are assisting me with the Fraud Alert Removal Process that I didn't even Request or Order. Equifax originally sent the Extended Fraud Alert Request to these Agencies without my permission and or authorization & knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2019 - It was reported that XXXX XXXX requested a copy of my credit report from TransUnion, which I did NOT authorize. 

XX/XX/2019 - I was notified via email from my credit monitoring service that there had been an inquiry made on my credit report. I was furnished with the name and telephone # of XXXX XXXX if I deemed this to be in error. 

The telephone # provided for XXXX XXXX   was a recording regarding mortgages, after which the call disconnected me. 

I then called XXXX XXXX 's fraud department ( XXXX the # ) and explained the situation to an agent. I did provide my name and SS # so the XXXX XXXX agent could verify if there was in fact a credit application made using my information. I was told no results were found? The agent instructed me to contact TransUnion. 

XX/XX/2019 - I attempted to resolve this online with TransUnion however, was instructed to call the agency as the issue couldn't be taken care online. The TransUnion agent was NOT helpful, just recited a lengthy set of instructions I needed to follow to resolve the issue! The first step was to again contact XXXX XXXX. 

I again called XXXX XXXX, using the original # I was provided. There was another # indicated in the recording, so I called this #. After 3 HOURS of being transferred to multiple depts., asking for my acct # ( I do NOT have one ), searching their records for an active credit application in my name ( some agents reported no application, while other agents did find one? ) and relaying my issue MANY, MANY times, I was told that a consumer dispute would be opened and my issue would be absolutely be resolved. 

XX/XX/2019 - UNBELIEVABLE! I receive a letter from XXXX XXXX ( dated XX/XX/XXXX ) stating they are unable to investigate based on the information I provided and in order to continue with the investigation, I need to submit the following : - My name, address and telephone # - PROVIDED XX/XX/XXXX ... ... 

- Copy of my consumer report showing the inquiry - XXXX XXXX made the inquiry, UNAUTHORIZED, XXXX XXXX should have the documentation. 

- An explanation from me as to why I would like the inquiry removed. You have got to be kidding me, I explained this several times to several XXXX XXXX   agents on XX/XX/XXXX. 

XX/XX/2019 - I am thoroughly disgusted with the manner in which XXXX XXXX and TransUnion have handled my identity theft/fraud issue. How about we train employees to assist consumers with some professionalism and empathy? Instead I get to waste several hours of my time with ignorant, inferior and at times rude employees who apparently think I am wasting their PAID time.

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 2019-06-16
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened a Best Buy credit card account in 2012. At the time, the account was serviced by XXXX XXXX. At some point, the servicer changed to CitiBank and it remains Citibank. Since a few months after the account was opened, unbeknownst to me, the account was charged a " debt protection fee '' each month. I attempted to resolve this issue by contacting Citibank. It is their opinion that I signed up for this " service '' at the time I opened my account but they can not provide any proof I enrolled in the " debt protection program '' and I would never sign up for such a predatory program. 

I never noticed my account was being charged this fee because I opted into e-statements only. The only way to see the fee is by downloading a hard copy of the statement. The fee does not appear on the simple online monthly account summary which shows all purchases, interest charges, etc. 

It is my opinion that the " debt protection program '' was added to my account without my consent and that XXXX XXXX/Citibank intentionally concealed the fees. I never signed up for the service and it is not something I would ever sign up for because frankly, the program does nothing to protect consumers but in fact serves only to maintain the account balance. If the account holder only pays the minimum balance each month, the balance will not decrease due to the 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 explanation
Consumer complaint received 2021-04-12
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Wells Fargo and it partnership with XXXX XXXX XXXX  XXXX and XXXX XXXX. Is doing I'd fraud on my ownership. Is got me at risk of going too jail and loseing my companies, Mr XXXX XXXX XXXX, old owner in operation agreement on the article of organization, too the said names in this text all names and addresses is this text was own by XXXX XXXX XXXX deceased in 1999, my name got put on tittle too the company operation agreement, by Mr XXXX to his next of kin for his ownership, ok ... why haven't the beneficiary trust reach out too me or the company agent, or the attorney in fact, under Mr XXXX XXXX testement is XXXX XXXX XXXX XXXX  ga XXXX, XXXX XXXX XXXX XXXX  ga,,,,, XXXX XXXX XXXX XXXX ga, XXXX XXXX XXXX XXXX  ga, XXXX XXXX XXXX XXXX XXXX ga, XXXX XXXX XXXX XXXX XXXX ga, XXXX XXXX XXXX XXXX XXXX  ga, please hand over too me operation agreement and any other papers I need. Thanks. The government says. I was a employee from 1999, so where is my money as a trustee heir too the business, as a trustee heir employer and employee .both.

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 2021-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
On XX/XX/XXXX I sent a certified letter via U.S. Postol service to Transunion LLC Consumer Dispute Center XXXX XXXX  XXXX. I disputed 3 different accounts. One account was removed while the other two remained. I asked why I hadn't received correspondence regarding those accounts and I was told that they mailed it to an address that I no longer live at. I asked for the letter to be resent and they stated that I would have to start the dispute process over. It has been over two months.

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 2019-06-16
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage company accused of dual tracking but denies this. They changed the records of payments ledger fron plan payment to payment suspension. I'm providing record of trial payments and foreclosure sale date letter as well. 

And adding documents supporting unfounded money claimed after initial secured claim and payoff quote at time of bankruptcy filing. 

Also I want a breakdown of XXXX XXXX XXXX, NON CASH FEE ADJ, CORP ADV DISP, DecCorp Adv Deferred I, PMT-MISC SUSP, and MISC ADJ. 

Explained in FULL Also I've requested a ledger of PAYMENTS ONLY received by me. Do not add charges, fees, escrow, principal or balance, just the PAYMENTS received by myself since 2003.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: United Collection Bureau, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In early XXXX, I received a collection letter from United Collection Bureau attempting to collect on a debt owed to XXXX. I paid it right away because I was concerned about being sued ( see attachment showing payment of {$98.00} on XX/XX/XXXX ). 

I then received a bill direct from XXXX requesting payment. I didnt realize it was for the same debt so I went ahead and paid it ( see attachment showing payment of {$98.00} on XX/XX/XXXX ). 

Around XX/XX/XXXX I realized my mistake and called XXXX. The employee told me they did received the payment and it was sent to United Collection Bureau because that is who they sold the debt to. 

I then called United Collection Bureau to request a refund of my overpayment. An employee there told me the debt WAS NOT sold to United Collection Bureau and that it was only assigned to them for collections. She said that they did not receive my payment from XXXX, but if they do they would refund it within 30 days. 

It has now been more than 30 days and I have not received a refund for my overpayment. XXXX states the debt was sold to United Collection Bureau and United Collection Bureau states XXXX owns the debt. I dont even know who I can contact at this point. I just want my overpayment refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: Coinbase, Inc.
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a Coinbase account and purchased several cryptocurrencies. When I sign on to my account I can get no details about the assets I hold. I have tried contacting them but get no response. They give you the run around when trying to request on line help and unilaterally close any case you open with them before your problem is solved. I am unable to get access to my assets held with them. They currently hold approx. {$6000.00} to {$9000.00} of my assets. I was trying to sell some assets but they have since gone down in value and have been losing money as a result of them not giving me access to my account. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Card was sent to an old address by Best Buy. Have informed both the creditor and the debt collection agency that the debt was not mine. Sent reports to each informing them of identity theft and asked for the ORIGINAL PAPER APPLICATION. All they keep sending me are copies of the bills. I have shown proof that I was in another state and they still insist that the debt is mine without any proof. I have been denying this account for several years and they refuse to produce/show me the ORIGINAL PAPER APPLICATION. And according to Illinois law they have to validate the debt with an ACTUAL PAPER APPLICATION. This account is now charged off and is in a negative standing 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 2020-05-11
Company: PNC Bank N.A.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
Needed proof that PNC cashier 's check {$3200.00}, # XXXX, bank account # XXXX, routing # XXXX, had been cashed. Merchant says it was not received. 

Although, I did purchase the cashier 's check from PNC, I have spoken to EVERY department they all say they can not help me in anyway with my request. 

A few of the people that I have spoken to include : XXXX at the purchase branch XXXX XXXX XXXX, XXXX XXXX - XXXX, XXXX XXXX, support operations XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and lastly from Treasury Mgmt XXXX, XXXX, and manager XXXX XXXX XXXX ext # XXXX hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have 11 different student loan accounts presently being serviced by FEDLOAN SERVICING. All 11 Accounts report 2 late payments in XX/XX/XXXX and XX/XX/XXXX for a total of 22 reported late payments. However, on two separate occasions, I applied for and was granted a general forbearance by this company for the period from XX/XX/XXXX to XX/XX/XXXX. Despite this, the Lender continues to report late payments and refuses to update my file with the 3 credit agencies despite three separate attempts by myself to dispute this incorrect reporting directly with the Lender and on two separate occasions through XXXX. This incorrect reporting is destroying my on time payment history and thus my credit. As the attached documents show, the account was clearly in forbearance during the periods said payments are being reported late or missing ( see attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
Taking Payment from an un-selected un-designated account I have been a regular Paypal customer for years and recently changed bank accounts. I have provided alternative accounts to collect payment from and made them my " preferred '' account for Paypal to collect payment from. Paypal INSISTS on debiting my old account. 

I called Paypal 's customer service and the REFUSED to delete the account. " Payments are pending '' I said let them be refused as I had provided alternate account information for the payments to be drafted from. The CS agent was rude and unhelpful and then called me from their personal cell phone to harass me after I got frustrated and hung up. 

I called Paypal 's CS again today to have all my account information deleted and my accounts closed and I'll go to XXXX XXXX and the CS agent once again refused to help me stating that no one in the company can delete my account. I asked to speak to their supervisor and they left me on hold. I hung up after 10 minutes. 

We all know that last part is completely false. Computer information is deleted every micro second. 

I have been charged {$440.00} in overdraft fees from a bank account I did not specify to be drafted by Paypal after providing them account information to draft my payments from. I have tried to resolve this with Paypal directly but their CS is staffed with people that are unable to resolve the issue. 


Account ID : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: Riverwalk Financial Corporation
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have tried many times to have this item removed from my Credit report many times and just keeps on popping right back on my credit report! I told them many times that my identity was stolen and I did report it. Now this company is calling my house threatening me and my family for payment? Can you please Look into this matter? Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 contacted all three Credit Bureaus/Agencies ( XXXX XXXX XXXX, TransUnion ) and the Creditors ( XXXX XXXX XXXX ( 2 ) and Dept. of Education/XXXX  ( 5 ) ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

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 2019-06-16
Company: FIRST CENTENNIAL MORTGAGE CORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have sent more than {$40000.00} for a principal reduction on my mortgage, and FIRST CENTENNIAL MORTGAGE co.which is located XXXX XXXX  XXXX XXXX XXXX, in the city of XXXX XXXX, XXXX,,,, did NOT apply the payments to my balance, and was charging me late fees for not making the payments, when I was NOT able to make a regular payment, because of their site was down for maintenance reason, after calling numerous time, finally one of the supervisors of the company told me that the reason they did NOT apply my payment to the balance of my mortgage, was that they were trying to sell my mortgage to a bank or another financial institute, so they can make more money with higher balance on my mortgage, The very first time that I met the representative of FIRST CENTENNIAL MORTGAGE, in the city of XXXX in California, by the name of XXXX XXXX, he promised me that their company does NOT charge any fees or points for this mortgage, so I asked him, then how do you make money? and he replies that we will sell your mortgage for a bank and that how we make our money, at the end of the escrow he charged me more than {$1500.00}, and when I complained he text me ( oh these fees are standard fees ) and never called me back, I am very dissatisfied with this crooked company, but I am stuck with this mortgage, and the company is run very sloppy, I NEED HELP.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-24
Company: EQUIFAX, INC.
State: NC
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:
XXXX XXXX is reporting false amounts to all the 3 of my credit reports! I have sent them certified mail in XXXX in which they signed for it on XX/XX/XXXX requesting how they come to the dollar amount they say I owed! It was a secured XXXX card and Ive paid them XXXX over that dollar amount starting XX/XX/XXXX thru XX/XX/XXXX in the amount of {$120.00} a month. Ive spoken to them by phone and Ive disputed the amount several times including in XXXX and XX/XX/XXXX and to no avail. Im running out of options! Its reporting on all three credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo has not responded with accurate information regarding my monthly income and they not communicating with me or my attorney in a good faith effort. The company with little notice increased my mortgage stating my property taxes increased when in reality they went down. They also changed my home address and I can seem to get anyone on the phone to correct this mistake.

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