BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-18
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I'm locked out of my account my account disappeared and their sending me email after email to troubleshoot my account but it never works its an automated email and no one is getting back to me their like its your problem i have email receipts of XXXX ive purchased and i can prove i have an active account theirs no customer service just an automated service this us ridiculous i want my money almost XXXX  dollars and no Access no one answeres phone

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
1. On XX/XX/2020, I filed dispute with TransUnion credit bureau for one of my installment account ( account # XXXX ) with XXXX  company because the balance was incorrect on my credit report. After the dispute completed on XX/XX/2020, it showed that my payment rating on this account was 120+ days late. I called the XXXX company to discuss about this account and they told me that they never report any late payment on this account to TransUnion or any 2 Credit bureau at all. They also told me that they send a new report to 3 Credit Bureau every month. I believe them because when I check on other 2 credit bureau ( XXXX  and XXXX   ), it shows that I never late and paid as agree. I filed dispute with TransUnion again on XX/XX/2020, it still processing. I tried not to think that TransUnion is the one that make a mistake about my credit report, but everything seems to show me that way. This error also cause me a big credit score drop. I also sent the payment history document for this account to support for my dispute. I still never hear back from TransUnion at all. By the way, before my first dispute on this account, my account was showed paid as agree and never late on my payment history. 

2. TransUnion also deleted one of my credit card account that I was added for authorized users for XXXX XXXX account. I called TransUnion about this error that they told me to go talk to the creditor of this account. I also called the creditor for this account that they told me that they always report my payment history to 3 credit bureau after my statement date. Before my first dispute with TransUnion on XX/XX/2020, this account was reported correctly and showed in my credit report, but after the result for the dispute on XX/XX/2020, everything was mess up on my credit report with TransUnion. I also check my credit report with XXXX  and XXXX, this account is showed in there. 

I also attached document to support my complaints.

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 2021-09-18
Company: Experian Information Solutions Inc.
State: DC
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:
I am XXXX XXXX XXXX. I am submitting this complaint on behalf of myself and not a third party. 
I previously submitted a complaint and it went unresolved. 
My final attempt at this level to make Experian aware that I have never signed an Affidavit nor giving Experian consent to furnish ANY INFORMATION on my consumer report but has that stopped Experian? No it has not, even through disputing inaccuracies I have still not been been properly handled. The items I disputed do not belong to me. Youre verification was flawed. Show me indebtedness, accounting in detail, a document showing I received any loans or services. Did you interview anyone?! Experians system is fraudulent. Wheres your permission purpose?! You do not have my consent to furnish and you did not investigate anything.

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 2021-09-18
Company: National Credit Systems,Inc.
State: VA
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 noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount National Credit System XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was a customer for XXXX XXXX  or Chime. I was receiving unemployment. They locked and closed my account with no explanation. I lost {$5000.00} because Chime never refunded my money when they closed my account with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
I am XXXX XXXX XXXX. I am submitting this complaint on behalf of myself and not a third party. 
I previously submitted a complaint and it went unresolved. 
My final attempt at this level to make Transunion aware that I have never signed an Affidavit nor giving Transunion consent to furnish ANY INFORMATION on my consumer report but has that stopped Transunion? No it has not, even through disputing inaccuracies I have still not been been properly handled. The items I disputed do not belong to me. Youre verification was flawed. Show me indebtedness, accounting in detail, a document showing I received any loans or services. Did you interview anyone?! Tranaunions system is fraudulent. Wheres your permission purpose?! You do not have my consent to furnish and you did not investigate anything.

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 2019-01-08
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The original collector, XXXX XXXX XXXX, did not submit my claim to insurance, nor did they send me a bill for a service date of XX/XX/XXXX. I did not receive a bill until XXXX sent me a bill for XXXX. I first contacted them inXX/XX/XXXX, and one of the ladies said she would send it back with my insurance information to be processed. The claim was denied because they did not file in a timely manner. When claims are not filed in a timely manner and the claim is denied, the provider must either write the amount off or try filing another appeal. 

I did not receive bills again from XXXX until XXXX or XX/XX/XXXX. I recently reached out again on XX/XX/XXXX and the agent that I spoke with offered me a settlement of {$790.00}, I asked if he could send me that in writing or at least email and he advised that they do not do that. I then advised him that the claim was never sent through my insurance and I would try reaching out to the original collector, XXXX XXXX XXXX, to see if they could send it back. XXXX stated that once it has been turned over to a debt collector, they can't do anything and that I would have to call XXXX and have them send the debt back. 

I reached out to XXXX again on XX/XX/XXXX and advised them again that the account was never submitted to insurance. The agent then told me that if it wasn't sent through insurance then the full amount becomes patient responsibility, which is incorrect and illegal. I advised him that it is illegal to not file with insurance if someone pays for and carries insurance. He again stated that it is patient responsibility and that is why he offered a 30 % discount. I advised him that even with the 30 % discount it would more than likely be more than what I would pay if they had filed through insurance. I asked him if I could give him my insurance information so it could be sent back and he stated that there was nothing he could do and he can't send it back. I advised him that I would not be paying at this time, because it was not submitted through insurance and once it's submitted then I will pay it. He said he would notate the account and that was the end of the conversation. 

I am lucky that I know my rights as a patient, but I am worried that this company is telling other customers this same thing and they are paying amounts that they do not need to be paying.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: Experian Information Solutions Inc.
State: AL
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:
Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 5 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 


The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

1.XXXX XXXX acct. # XXXX bal. {$13000.00}

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 2019-10-04
Company: Specialized Loan Servicing Holdings LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wow. Dont even know where to start. And I dont want a canned/form response from them in 15 days. I want legal/government action taken against this company. Please let me know the avenue to initiate that. There are so many dates, times, and details about how theyve been treating me illegally, that I dont even know where to start. 
I'm a XXXX XXXX XXXX  that has never written a review, never missed a payment on anything in my life - including this loan, but I also have never run across a more despicable company in all my years. They lie, stall, refuse to do what they say - such as " a manager will call you back in 48 hours ''. I  don't even have the words to describe what a terrible company this is. They have been screwing me for 3 months solid now, and i can't even talk to an adult manager. I've called them at least a dozen times in the last 3 months and asked to speak to a manager several of those times, and i've never been allowed to talk to someone who sounds like they are over 18 years old. 
XXXX : 237 reviews. 1.3 stars average. 
XXXX XXXX : 77 reviews. 1.1 stars average. 
XXXX : 65 reviews. 1.0 stars average. 
Yikes. This could literally be the worst company in the world. 
At one point in this 3 month nightmare, a manager told me that I did not have to sign the paper saying they could charge me {$900.00} for an appraisal. He said I could send in an appraisal done by an appraiser of my choice and save money on the appraisal. That phone call was recorded. This serves as notice of pending legal action, meaning it is illegal to delete or destroy that phone call or any other records. 
The appraisal I sent in shows a $ XXXX value. My balance is $ XXXX. That is a 77 % loan to value. There has been significant appreciation since the home was purchased, and $ XXXX worth of interior Improvments have been invested in the property also. 
REMOVE THE PMI NOW.

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 2023-03-08
Company: Experian Information Solutions Inc.
State: NV
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 a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

The items resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this 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 explanation
Consumer complaint received 2020-09-15
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX ; Experian and XXXX are reporting incorrectly a late payment in XXXX, 2018 on the XXXX account number XXXX. ( Please see page 2 attached from our credit report. ) The mortgage payment is due on the first day of the month. We get paid on the XXXX of every month. The mortgage payment would not be considered late until after the XXXX of every month. I set this account up on Auto-Pay to deduct the mortgage payments on the XXXX of every month, but for some reason this payment was not pulled on the scheduled day of the XXXX and consequently it was zinged as late. This was not our error. We had the account set-up for automatic payment and this was clearly a banking error. We contacted the representative and they said they would remove this late however, they have yet to do so. This incorrect reporting of a late payment is harming my credit score and this late needs to be removed from our credit report. We have contacted the ( 3 ) bureaus to remove this however, we have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: Rocket Mortgage, LLC
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My husband and I started the loan application in mid XXXX, and after several various request from Quicken Loans, and 3 1/2- 4 months later, were told that they had everything they need and that it was now in underwriting hands. Then after receiving that call, I received and email on XX/XX/XXXX, from XXXX XXXX stating On XXXX XXXX, 2020, at XXXX XXXX XXXX, XXXX XXXX wrote XXXX Hey XXXX, Hope all is well! 

Our underwriters are requesting one final document from you and XXXX. Could you please provide your XXXX bank statement for XXXX business once you receive it? 

Thank you so much! 

XXXX XXXX XXXX XXXX  Consultant The bank statement would not be available until XX/XX/XXXX, which I went to upload to the account they had assigned us, on XX/XX/XXXX on to find out they had automatically closed our account due to loan application duration. 
We were supposed to be awaiting a closing date. Not a closing of our application that was in the final stage of closing. 

This company has requested numerous time for the same things, which we gave to them over and over. 
The delay of this loan process was due to their ability to complete their process in a timely manner, not ours.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
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: Old information reappears or never goes away

Complaint:
many inaccurate and old information are reporting under my equifax credit report, these were removed and returned all at once. these are inaccurate and fraud account not belonging to me, the creditors had different address and phone number on file of these accounts that were activated under my name, these do not belong to me, please please have equifax removed all these inaccuracies thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-10
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is the complaint regarding the XXXX credit   card. The clothing store XXXX. 
I made a telephone payment for about {$14.00} on XX/XX/XXXX, which is also the due date for that billing cycle. However, I was told by the XXXX credit card supervisor that payment was posted on the account on XX/XX/XXXX XXXX therefore there is a late fee {$30.00} was charged. Today, XX/XX/XXXX, I made a phone call to XXXX, they are not willing to remove my fee. And informed me that I must pay it otherwise there will be after late fee and interest. I had them to cancel my credit card now, until we settle down this case. she also stated that even I cancel the account, there will be late fee and interest to put in the account if I don't pay on XX/XX/XXXX. 

This is not fair to the consumer at all if a credit card company keep rolling up the fee like a snow ball.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was a member of a XXXX gym that closed down during COVID. I was still billed by the owner even though he told me he would freeze the account. I tried to cancel, and he charged me for another month, claiming a bogus " cancellation policy '' that I was never provided with. 

I disputed the charge, citing 15-US-1666i. The credit card company is refusing to credit the account, saying that the window for disputes is now over. I know that I have 1 year from the date of purchase under federal law. 

I did not receive the services from the merchant that were advertised. I want my account credited.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-10
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 sent in all the proper paperwork to show i had identity theft to each of the credit bureaus months ago and they still have not removed the accounts

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