BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The following accounts opened in my name where not made by me Accounts : XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XX/XX/2022 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 2019-08-06
Company: Capital Markets Cooporative, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX-19 CMC funding sent us a late notice stating that we had not made our XXXX payment but our web bill pay from our checking account showed that the payment was sent and received and cashed by them on XX/XX/XXXX. We have spoken to supervisors and various people and still our account has not been updated or changed and we even had to pay the late fee for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I lost XXXX dollars because of a flash crash caused by a market order which caused the price of ethereum dropping over 29 % in seconds and sparking a cascade of margin calls and stop loss orders. I am one of 800+ other investors from which this occurred to totalling a loss in the XXXX as our asset price flashed from over 300 dollars to cents within a second as the site went down ( locking in our trades ). This occurred on the XXXX site which is a Coinbase company. They said there was no error however they started reversing trades on the Coinbase site and not XXXX trading site. Many people lost life savings in the belief this flash crash was n't possible because of proper controls set in place by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: Synovus Bank
State: FL
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:
i contacted a phone number because i wanted to get the first time home buyer grant they told me to call another number i did and they asked me for my id and ssn after that i received an email saying that they approved me for a home loan but nothing about the first time home buyer program they checked my credit score and my wife credit score without our authorization we are allready qualified with a lender i dont understand why this people pulled my credit if we didnt ask for the we wanted to get the grant for the money for first time home buyer they lie to us so i want to make a complaint if you can contact me in XXXX will be great

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: EQUIFAX, INC.
State: FL
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 contacted the  XXXX  credit bureaus by phone, mail, and online indicating to them that there are multiple inquiries that I do not recognize. However, they failed to investigate and remove these inquires off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
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:
The following accounts opened in my name where not made by me Accounts : XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022

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 2022-03-10
Company: Experian Information Solutions Inc.
State: SC
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2021-04-19
Company: Roosen, Varchetti & Olivier, PLLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2021, my job sent me a letter stating an attorney office by the name of Roosen Varchetti & Olivi was garnishing {$1200.00} from my check. I have no knowledge of this debt. I researched and called the office but I was repeatedly hung up after explaining my issue. They are located in Michigan at XXXX XXXX XXXX in XXXX XXXX, zip code XXXX. Phone XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is the second complainant regarding Beneficial Mortgage Company, ( HSBC ). The first complainant involved unpaid taxes for XXXX and XXXX. Property insurance fee of {$4100.00} Notice from XXXX County Treasury for back taxes exceeding 4,200.00. and additional fees to my account by XXXX XXXX XXXX totaling over {$6500.00} Complainant # 2 involves my conversation with HSBC on XXXX XXXX, about an increase in interest fees starting after XXXX/XXXX/XXXX. I was told by XXXX XXXX that my interest fee would increase to 3.0 after XXXX/XXXX/XXXX. In 7 years the fee would increase to 4.0 and after 8 years the interest rate would increase to 4.4 percent. The statement from HSBC states my interest rate of 2.0000 % would remain the same through XXXX. I am enclosing a copy of my monthly statement from HSBC. The statement verifies the interest rate of 2.0 percent until the year XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have prepared a document for the company in question, explaining to them that until they can provide evidence of an actual loan, true Business Records of debits and credits according to XXXX, and information showing to whom any monies collected will go, they can not enforce any collections actions. I was the unwitting victim of a mortgage securitization XXXX scheme, for which far more than the value of my mortgage with the original lender, is worth. They owe me compensation for forcing me to provide them the means to run this scheme, and that is far more than the value of the property they're trying to force me out of. The courts are, naturally, on the side of the banks, and have provided no relief, and have failed to force them to produce any evidence of a debt, or any records showing their claim that this mortgage is not already satisfied. I have proven over and over that the entity ( the trust into which the mortgage was securitized ) they claim they are collecting for is closed, and has been for years. I have proven this trust earned multiple times more than the value of the mortgages used in the securitization scheme, so it is obvious that SPS, as well as the prior servicer, XXXX, and the foreclosure mill law firm that has represented both, are seeking money from me for their own unjust enrichment -- profits, when there is no debt owed. 

The document lays out my evidence of the scheme, as well as provides all the negotiation documents requested by SPS that they continually ask me to resend. I have assembled them all into one document so there can be no further claims that I failed to produce anything they requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My issue is related to the credit  or   XXXX   XXXX  l.
I have notified   XXXX   XXXX   in writing and also by disputing on my credit report a claim that is not accurate. I have n't ever had a mortgage as reported by   XXXX   XXXX  .
I 've disputed this with them over the phone with minimal results. I 've asked for a copy of the contract bearing my signature or any documention proving my knowledge of account without any results. I 've asked for verification of the alleged debt and   XXXX   XXXX   has n't provided me with anything. Please help!

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 2017-06-23
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: LA
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:
My issue is related to the cre ditor Bayview Financial.    I have notifi ed Bayview Financial in writin g and also by disputing on my credit report a claim that is not accurate. I have n't ever had a mortgage as reported by bayview financial.   I 've disputed this with them over the phone with minimal results. I 've asked for a copy of the contract bearing my signature or any documention proving my knowledge of account without any results. I 've asked for verification of the alleged debt and  Bayview Financial ha s n't provided me with anything. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Big Picture Loans, LLC
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I lost my job XX/XX/XXXX and requested assistance for loan forgiveness. The company is charging me XXXX XXXX Big Picture Loans , LLC XXXX ID : Loan No. : XXXX Finance Charge {$6000.00} Amount Financed {$1500.00} Total of Payments {$7500.00} Application Date : XX/XX/XXXX Effective Date : XX/XX/XXXX ( You may get funds prior to this date ) Due Date : XX/XX/XXXX every 2 weeks Big Picture Loans , LLC XXXX XXXX XXXX XXXX, MI XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Experian Information Solutions Inc.
State: LA
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 have witness several inquiries on my credit report from Experian, XXXX, and XXXX that were not created or authorized by myself. I have contacted each reporting bureau on XX/XX/2022 and shared my concerns. I have also placed a freeze on my credit report to stop further fraud opportunities. I was informed from an Experian to create an FTC report and contact each company. I have contacted each company and all has refused to assist me with deleting these false inquiries. I will list the companies below XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2017-06-23
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
So they say I had XXXX in 2015. I know for a fact I did n't so I asked for proof. Never received the proof. Then I dispute on XXXX XXXX and next thing it gets deleted bc I 'm sure they did n't get the proof either. But they changed names and it 's on there again. Now the are enhanced recovery company not ERC that got deleted before. They got away with changing their names and getting back on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XXXX XXXX XXXXt XXXX XXXX XXXX does not work. the site returns a " technical difficulties '' error after submitting the first form. I tried all browsers and the problem is with the site. there is no number to call to speak with a human being. Going directly to any of the three reporting companies doesn't work because they only offer a paid service or require me to create an account. I do not want to sign up for anything. I do not want to order a report by mail. I want to get my credit report for free online. I want the site to 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 2021-09-23
Company: EQUIFAX, INC.
State: NJ
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 credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My federal subsidized and unsubsidized loans were held by Navient. In XXXX, I filed for bankruptcy ( first Chapter XXXX, which was later converted to Chapter XXXX ). XXXX XXXX was notified properly by my attorney. I was told by my attorney as well as bankruptcy trustee that while the loans could not be discharged, they were protected against any term changes, default or late penalties. My loans were transferred to a debt collector agency instead without a notification to me. Subsequently, without any consent or agreement by me or my attorney, XXXX XXXX/Navient consolidated my loans. In spite of multiple inquiries and request to XXXX XXXX, I was not provided with regular statements or even access to the details of my loans. I opted to continue regular payments to my student loans at will, and at a guess of what minimum payment would be, because that critical information was also withheld from me. I also had no information about how my payments were being applied to my loans. Instead, I was told that I do not need to make any payments. <P/>I continued to experience the same lack of information and constant misinformation about my student loans even after my Chapter XXXX discharge. When I questioned why my principle on the student loans increased ( whereas by my calculation and records, it should have been reduced due to ongoing payments ), the company instead justified it using the terms of the " new consolidated '' terms, which by federal laws should not have happened in the 1st place. I also learned that most of my payments were being applied against the interest, and not the principle, hence why I continued to see only minimal progress towards the repayment of my loans and instead I was overpaying. By the end of XXXX, that accounting difference was about {$8000.00}, and continued to accrue interest using those terms. In XXXX, I have finally paid off the Student loans with a balloon payment. <P/>I believe, this unlawful behavior by XXXX XXXXNavient, combined with lack of customer service and proper information, resulted in ( what I perceived as ) extortion of additional payments exceeding {$12000.00} that I could not dispute against intentionally falsified information being provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Experian Information Solutions Inc.
State: GA
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 inquiries are erroneous and should not be on my credit/consumer report. : XXXX XXXX NA / XX/XX/XXXX ( inquiry date ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XX/XX/XXXX XXXX Card / XXXX XXXX, XXXX XXXX / XXXX XXXX XXXX XXXX XXXX / XXXX XXXX, XXXX XXXX XXXX XXXX / XXXX XXXX, XXXX The following address needs to be removed as it is not mine. : XXXX XXXX XXXX XXXX XXXX, GA 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 2019-08-06
Company: BCB Investments LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Alliance collection agency has repeatedly responded to my previous complaints saying that I owe a debt that they have not verified. This is against the FDCP and the FCRA and needs to be removed immediately. I have attached to this complaint the full court document showing different amount being collected as well as evidence showing that it has been dismissed with prejudice. This will also be forwarded to the Credit Bureau for removal as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: USCB, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This is Not my debit. I did Not have XXXX coverage the date I was billed. I spoke to a representative at XXXX who said she took care of the matter last year. I had XXXX coverage and I have Proof. I lived in Nevada also. So this is Not my bill

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
TransUnion REFUSES to remove the name XXXX XXXX XXXX from my Credit report. This is NOT my name. I have submitted documentation to TransUnion showing that my true legal name is XXXX XXXX XXXX. I also use XXXX XXXX and XXXX XXXX XXXX, but have NEVER used the name XXXX XXXX XXXX. I want this removed from my Credit Report. Their failure to remove what they know is incorrect personal information is a gross abuse of me as a consumer. I mailed a hard copy of my Wisconsin Drivers License and my U.S. Passport, but they continue to use this name even though they are well-aware this is not my name.

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 2022-09-06
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:
On XX/XX/XXXX I mailed my FTC identity theft report to Transunion via Certified mail they received my document on XX/XX/XXXX. In Pursuant to 15 USC 1681 c-2 ( a ) transition has 4 DAYS from the data of this notice to comply with my demands as set forth in the context listed in my FTC report XXXX I have called the specialist fraud department about my FTC report and they stated It takes 30 days for an investigation. They sent my completed investigation on XX/XX/XXXX which isn't a full 30 day for an investigation. Please be clear that no consent or authorization is IDENTITY THEFT! Transunions willful noncompliance has resulted in identity theft which I demand to Cease & Desist! Pursuant to 15 USC 1681 a ( 2 ) Congress makes it clear that a consumer report does not contain any transactions and or experiences to be updated in accordance with my written instructions. I have called and contacted the dispute and the fraud department. This will be my final time reaching out to have these items removed off of my credit report. I am ready to litigate if my rights continue to be denied by Transunion. I have the attached documents and my FTC report that they failed to correct on my consumer report. As a consumer I have the right to a 100 % accurate consumer report under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-06
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: Investigation took more than 30 days

Complaint:
My wife and I sent investigation requests to Equifax back in XXXX. I am attaching a copy of the request we sent them. My wife received her investigation results well over a month ago. To date, Equifax has not sent me anything. I have sent several follow-up letters to Equifax. Still nothing.

Company response to consumer: Closed with explanation