BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
The following inquires XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to 15 USC 1681 SECTION 602A. states I have the right to privacy 15 USC 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 USC 1681 S-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX  XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX  XX/XX/XXXX 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 2023-02-18
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: Credit inquiries on your report that you don't recognize

Complaint:
I dont recognize these Inquieres : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-12
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Received a letter in the mail last week ( 9/8 ) stating that it needed addl information from me in order to finish the credit card application. ID fraud is happening. Someone is attempting to apply for a XXXX XXXX through JPMorgan Chase Bank using my name. I, NEVER applied for this card. Spoke with Chase today ( XX/XX/12 ) re : this issue and assured me that the matter has been care for. Spoke also wXXXX, XXXX XXXX who also addressed this info. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-12
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I have a few complaints about my home and I feel that it was sold to me with undisclosed defects. When we purchased our home, we soon noticed that the roof in the master bedroom had a leak. We also found the original warranty request from the original owner informing the builder of the defect. The builder XXXX XXXX sent a roofer out but the problem is still not repaired. Next we 've recently had a soap dish in our upstairs bathroom break off. When the repair company came out they informed us that any repair made would only be temporary since there was sheetrock behind the shower tile and is was soft and would not hold. The repair company also informed us that sheetrock in the shower is out of building code and should not have been used, that there is a sturdier substance that is made for wet applications and is approved by building code. My attempts to contact XXXX XXXX XXXX to repair have been unsuccessful. So I 'm filing a claim against my mortgage company since : 1. ) The leaking roof was a preexisting problem which I was not made aware of when purchasing the home, 2. ) The sheetrock in the shower is out of building code and should not have been approved and changed before home was sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: Experian Information Solutions Inc.
State: TX
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've contacted Experian about fraud. XXXX XXXX XXXX / XXXX XXXX XXXX added a XXXX XXXX line of credit, that was fraudulently obtained in my name, to my credit report. A police report was filed and all 3 credit bureaus notified. The XXXX XXXX account ending in XXXX was removed but XXXX XXXX XXXX has added it back to my credit profile with themselves listed as the creditor. 

XXXX stated they can not find a credit file with information I submitted to them. I've attached the police report and supporting documents outlining the fraud.

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 2019-10-26
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 XXXX, I received an email notification from my credit bureau monitoring service of a negative reported event on my credit report from Citicards. I  immediately logged into my account and paid the late payment, and directly called Citicard. 
I have not knowingly requested paperless statement enrollment for my account. My expectation is to receive a mailed copy of my statement as well as a formal notification if I a payment is overdue. This did not occur on this account. I spoke to a customer service representative named XXXX on XX/XX/XXXX, who explained that my account has been enrolled in paperless statements and may have been done so inadvertently during the transition from XXXX to CITI as the Costco credit provider. 
I did not receive anything in the mail, email, or text notification that my payment was overdue. I called again on XX/XX/XXXX and spoke to a supervisor named XXXX who also confirmed that no notification or call was made to me regarding the overdue notification. This is an error in communication from Citicards system, which is a term of the credit agreement. There is no record of any notification sent to me via email, and I was not made aware until I received a negative reported event from the credit bureau. Please refer back to section 3 of the  enclosed credit card agreement guide. I was not made aware of the late fees, penalties and accumulating interest as stipulated in the credit card agreement guide. This was not communicated in either paperless via email or paper mailing, which is part of my rights as a consumer user of this card. This was verified by XXXX on XX/XX/XXXX who noted that there was no notification record in your system. Sections 3, 5, 7, and 14 were all violated by not communicating the late status as well as not providing an explanation regarding the investigations previously submitted upon the negatively reported item.

I have made several attempts to have this removed and it is a violation of the communication terms stipulated in the credit card agreement guide. It has negatively impacted all three of my credit bureaus reports, and my credit score. In light of the lack of communication regarding my account, please remove this negatively reported item from all three credit bureaus and provide a written copy of the removal mailed to me at the address above ; or I will reserve the right to pursue legal action as well as file a complaint with the Consumer Financial Protection Bureau. 
Thank you for your prompt attention in resolving this item.

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 2019-10-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent three letters to XXXX, XXXX and Equifax with the third letter being sent on XX/XX/2019 without receiving a response from either bureau and it has now been well over 30 days it has been fifty days to be exact I requested that all three bureaus correct the inaccurate information on my credit report which they still have not done as of todays date. I also requested original contracts and signatures which I never received,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25
Company: Betterment LLC
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I tried creating an account with Betterment but their automated systems had some sort of failure and required some additional steps to be taken by me. I did not want to go through the manual steps with them so I asked them to delete my information from their systems as per the rights granted to me by California Consumer Privacy Act ( CCPA ) as a CA resident. 

They claimed that they will retain my information because of Gramm Leach Bliley Act because I had a financial account with them. Their own website did not list any accounts in the portal so I wanted to get my account number. But they refused to share it with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/XXXX we submitted a purchase contract to Nationstar Mortgage for consideration on a short sale. we requested HAFA consideration and we were told the file would be processed as HAFA. Nationstar countered the offer we submitted and we accepted the counter. the price was XXXX when the purchasers lender appraised the property he found problems that required an adjustment to the price. the appraised value was XXXX when we submitted the appraisal for valuation consideration Nationstar came back XXXX higher than the counter XXXX they initialed countered to us. 3 weeks ago they ordered another BPO and we have been trying to find out the value they have assigned to the property. I have called and emailed several times and keep getting the run around on this short sale. the seller can not make the payments and this home is destined for foreclosure unless they get moving on the determination.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 pulled my TransUnion Credit file to verify all information was correct. It wasn't. I opened a case via certified mail in reference to Hard Inquires that I had not authorized, requested and had " opted out ''. The XXXX Inquires are as follows : XXXX XXXX Banks and S & Ls XXXX XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX XXXX XXXX  XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX Banks and S & Ls XXXX XXXX XXXX XXXX  XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX Banks and S &  Ls XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Credit card and travel / entertainment companies XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX In a reply From TransUnion ( attached ), they state these inquires do not have to be authorized or known to me to be validated. This boggles my mind! Too many inquires can and DOES harm your overall credit rating. With that being the case, it completely throws FCRA out the window, and we the consumers are stuck with that whatever creditors want to 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 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-03-03
Company: EQUIFAX, INC.
State: CO
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:
Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days late on the USDOE/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due and this incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well as to remove these lates however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: Credit Karma, LLC
State: NC
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:
Credit Karma ( unwanted marketing, unauthorized credit report monitoring ) : Ive tried unsubscribing from Credit Karma. I personally have never signed up for credit monitoring with this agency ; however, I constantly receive emails for alerts, for alleged collection items, appearing on credit report ( XXXX   was identified ). Emails have link to open to view collection item. I never press link, instead, I delete email to guard against spyware, Trojan, cyber threat. 

Ive sent request to Email provider/the device manufacturer regarding spam abuse, unwanted emails and to block Credit Karma. I still receive unwanted email messaging from Credit Karma. Credit Karma service is unwanted and I have concern my credit report ( s ) is ( are ) subject of unauthorized access from impersonation, unauthorized monitoring. Of importance, Im responsible for selecting a monitoring service at my discretion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: Shellpoint Partners, LLC
State: AK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I CONTACTED LOAN SERVICING ON XX/XX/XXXX AND XX/XX/XXXX BY EMAIL. I RECEIVED A GENERIC RESPOND ON XX/XX/XXXX AND XX/XX/XXXX. THE EMAIL STATED " WE ARE WORKING ON GATHERING THE INFORMATION AND WILL RESPOND AS SOON AS POSSIBLE. '' I STILL NOT HEARD BACK FROM SHELLPOINT. 

I ALSO CONTACTED MR. XXXX XXXX BY EMAIL ON XX/XX/XXXX AND HAVE NOT HEARD BACK FROM MR XXXX. 

THE REASON FOR REACHING OUT WE NOTICED LATE PAYMENTS ON OUR CREDIT REPORT FRO XXXX AND XX/XX/XXXX. WE REQUESTED A DEFERMENT DUE TO MEDICAL ISSUES AND LAID OFF DUE TO COVID. WE REQUESTED FOR THE LATE PAYMENTS TO BE REMOVED FROM BOTH MY HUSBAND AND MY CREDIT REPORTS. I SPOKE TO CUSTOMER SERVICE OVER THE PHONE AND WAS TOLD I NEEDED TO CONTACT THEM BY EMAIL OR DISPUTE IT THROUGH THE CREDIT BUREAUS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: ND
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:
Experian report shows 3 months of on time payments, XXXX and XXXX only shows 1 month for XXXX XXXX This obviously reflects different delinquent dates. On XX/XX/XXXX and XX/XX/XXXX Experian reports that XXXX flagged my account as a charge off, which can only be reported once by the creditor. As well too, on XX/XX/XXXX Experian states credit score dropped XXXX points, yet the only account that could have had an effect on that had a reporting date of XX/XX/XXXX. This account has reported monthly for nearly two years and should not have had that much of an effect on the score. I have disputed the XXXX account twice, XX/XX/XXXX and now XX/XX/XXXX, with Experian saying the account data is correct. Also, the XXXX account states XX/XX/XXXX, under comments, that the account was charged off. However, that is inconsistent with the first payment delinquent date of 30 days after first payment due, which would have been in XX/XX/XXXX. Some files may not be supported, please notify if supporting documents are 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 2017-12-10
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I AM FROM NEW YORK STATE On XXXX/XXXX/XXXX Ive reached out to someone XXXX XXXX sell my portion of bitcoin to. I found this person via XXXX. After talking through text for a few hours, we agreed upon $ XXXX For XXXX XXXX, the {$340.00} was to be paid by him via the cash app. 

This scammers number was a voip number. 

Initially I sent a small amount of BTC to him and he sent money via cash app. I figured it was okay to continue the rest of the transaction. 

Sent XXXX to him and that was it, i called texted and received zero response. 

Frustrated his has happened, I went back to the original XXXX ad. Instead of texting the number on the ad, I emailed instead asking to buy XXXX BTC in cash The original XXXX ad was set to XXXX, PA. I received an email response a few hours later from XXXX XXXX  asking if I was from California. I told him yes and began chatting on where to meet up to make the sale. 

I learned he is in XXXX, Ca, so I called the XXXX police department and explained to them what happened. A detective will be calling me back on a weekday to talk further. The officer I spoke to said its most likely can set up a sting to catch him. 

I have tried to call Coinbase but the dont have an actual phone number. 

I have called XXXX cash card and explained to them what happened, asking for the phone number of the person that scammed me. 10 days until they respond. 

I have records of all texts, transactions with numbers, his voip number, original XXXX ad as well as bitcoin wallet addresses I was giving by him. 

This is the original XXXX ad XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-08-10
Company: Experian Information Solutions Inc.
State: MD
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 ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of XX/XX/XXXX, XXXX, Experian, andXXXX has not responded to my dispute. It has been drawn out into the open that Credit Bureaus are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. Please block the noteworthy of any unknown Items in my credit record that came about due to an alleged fraud : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX  Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/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