BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-07
Company: Foris DAX, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I opened a Crypto.com account in XXXX of XXXX. I purchased about {$900.00} of Shiba Inu that day or the next. Sometime in XXXX of XXXX, I wanted to see how it was doing so, I tried to log into my account but, I'd forgotten passcode. I emailed Crypto.com to change my passcode and they informed me that I needed to provide the phone number that I used to open said account in order to change it. I told them that I've since changed numbers so, I know longer have that number. They asked me to provide them w/a picture of my drivers license, a picture of me holding a piece of paper and a picture w/my elbow clearly showing me holding the paper, which was to display my full name, the days date and the code being sent to my email. I did what was asked of me but, they said they never received either the picture of my drivers license or the paper w/the info displayed. This went on for approximately 2 weeks! I had about 4 different employees respond to my emails saying they were sorry for the mix up but, they needed all the info to be provided again. I gave up trying to after my last, " I'll be happy to help you if you'd provide the following information. '' Please help me because I'm at my wit 's end! Thank you in advance for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: Experian Information Solutions Inc.
State: NC
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 : The XXXX  XXXX XXXX  # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX  # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX  XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting Act : Dept of Ed/XXXX  # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604A 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 2022-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 : The XXXX  XXXX XXXX  # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX  # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX  XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting Act : Dept of Ed/XXXX  # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604A 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 2022-08-22
Company: JPMORGAN CHASE & CO.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2021 a check that was sent to refund our client their funds that were held in trust, was stolen, altered and cashed by another person. It came to our attention on XX/XX/2021 that the funds never made it to the client and were stolen. We immediately called our bank that day to alert them and start the process of getting the funds back. After submitting the required paperwork to our bank in the required time frame, Chase, as well as speaking with the local bank that cashed the check and filing a police report against the person, we continue to not have our clients funds returned. The person who stole the funds has been arrested and the other bank had the funds ready to return. For 8 months we have been reaching out to Chase to find out what is going on and getting the run around. They state they have been contacting the other bank while the other bank has never received any communication and has tried reaching out to Chase. Chase refuses to reach out via other methods other than mail to push for the funds returned or refund the funds until they can get them returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Flagstar Bank, N.A.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX Started Forbearance due to COVID. End of XXXX started process for a loan modification. Loan mod was excepted and a 3 month Trial Plan Agreement was set up for XXXX, XXXX and XXXX of XXXX of {$2400.00}. All XXXX payments were made timely. Paper work for the new agreement was sent to me. I signed and sent pack with a notary 's signature. XX/XX/XXXX first payment on the new loan agreement was made on XX/XX/XXXX for the NEW mortgage payment of {$2300.00}. On XX/XX/XXXX I called to make my second payment of the new loan when I was told that my new loan was rejected due to the notary 's signature not being approved by the lender. I never received any correspondence from the lender of the signature rejection. I still made the second payment of {$2300.00} on that day but was out of town ( XXXX XXXX was a Friday ) due to a death in the family and was unable to receive and re-sign new loan docs with a notary. I had to wait until I returned home ( Monday, XXXX XXXX ) to contact the lender again about my options. Again, no correspondence or any time had been sent to me explaining the rejection. When I called back the lender said my first loan mod was void and I had to start all over again. So I filled out another loan modification in XX/XX/XXXX and waited to hear from the lender on their decision. XXXX went by and I heard nothing. XX/XX/XXXX came and I called, again nothing. XX/XX/XXXX I called and was told to watch for something to come in the mail and nothing did. Called beginning of XX/XX/XXXX and requested the whatever info to be emailed because I never received anything in the mail still. When I was on the phone with the lender he made the comment when looking at my file that he confirmed nothing had ever been sent still. XX/XX/XXXX the first letter came from the lender dated XX/XX/XXXX saying my loan mod was approved and my trial payments are for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in the amount of {$2500.00}. I made the first payment on XX/XX/XXXX but was unable to come up with the funds to cover XXXX with the timing of the notice. At that point I contacted my local Housing Authorities and Legal Aid. Legal Aid informed me that I do have a case on XXXX counts but I would have to hire a lawyer. I do not have funds to do that. My husband has struggled for the past year and a half with LONG Haulers due to contracting COVID-19 between his first and second immunizations. He has been unable to work because of his symptoms and a difficult school schedule with our children, also due to covid. I lost my second job that I made approximately {$20000.00} a year due to COVID. That loss is now permanent. I am not able to replace it with a new second job with the schedule of my primary salaried job.

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 2022-06-07
Company: PLANET HOME LENDING, LLC
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Several issues in dealing with Planet Home Mortgage. In XX/XX/2022, apparently I received a letter stating that I was short in escrow. I didn't receive this letter ( rightly so with the low staffing and issues around mail ). A few months later, I got calls saying that we were short because I never paid the short fall from the escrow shortage so my monthly payment went up ( which I didn't know ) and only paid my previous monthly payment. I was short a XXXX XXXX XXXX dollars. I ended up paying the balance shortage and I was told by a manager that my payment will go back down. She requested a tax audit to review this and I would hear back soon. I got a bill in XXXX stating my XXXX payment even went higher. HOW? SO I called and the technician could not figure out why so he was going to have someone call me back. It is now XXXX and I haven't heard anything and my payment is higher than it was before the escrow shortage increase after I paid over $ XXXX to decrease that. Last week I learned something that Planet Home apparently has been paying 2 insurance companies which caused my escrow to fall short ( my insurance that i authorized was XXXX ). They were paying XXXX and randomly XXXX XXXX was sending them bills and they were also paying for that as well. so no one raised a flag on why for 2 years they were making 2 insurance payments to two different companies. Now I've been charged several late fees and still have a high monthly amount and now I have to fight with XXXX XXXX  to return 2 years of insurance payments when I NEVER authorized them to take over. Planet Home Mortgage has been nothing but issues since the refinance and someone at the highest level needs to see the horrible things that have happened and the several late fees that they have charged because of their incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-06-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX a secured credit card in my name opened on XX/XX/2022. The payment status says its past due 30 days two times and then Im over the limit 127 %. I have called both XXXX XXXX XXXX to try to have this matter resolved as I never opened a credit card with their company. I tried to ask for where the secure {$300.00} came from they did not provide that information I have submitted disputes with the credit bureaus to no avail. Its still showing as a revolving account and Ive never opened this at all. It should be simple to find out where the {$300.00} came from if I opened a secured credit card which I wouldnt have done considering I have three credit cards with good balances and are unsecured.

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 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and TransUnion credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00}.

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 non-monetary relief
Consumer complaint received 2022-11-17
Company: Netspend Corporation
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
my name is XXXX XXXX im a former customer at Netspend incorporation in XXXX XXXX. address is XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. 

my account has been completly compromised and drained. ive talked to the company about this matter. ive even filed disputes regarding this matter. 
they wrongfully closed my accounts without permission and my knowledge. 

i asked them to further investigate this matter, but i haven't got outcome thats suppose to happen, they've ignored my calls and emails several times. 

i believe they a guilty party in this matter. 

all i ask for in this resolution is my and my kids money returned to us. over XXXX XXXX  is missing. their has been mobile accounts on my account that i did not authorize, plus netspend denied me of my mobile transaction and transfers. 


ive talked to two guys from netspend by name of XXXX XXXX and XXXX XXXX they both lied to me about my funds. XXXX XXXX is the president and the person in charge of netspend. 


ive even filed a complaint with better business bureau and filed a police 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 2022-06-07
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been attempting to remove a freeze from my credit history placed by Equifax. 
I have spoke with the on several occasions over the past two weeks and done everything they have asked ; they still will not remove the freeze. 
I dont live near them so I cant go in person, the last person I spoke with disconnected me. 
We lost a potential new home because to this issue, We are thinking a taking legal action against them. 
Do you think you can help??

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXXm XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
XXXX I thought this complaint had been resolved! 

I just received a card today from them with the same account number in this wrong name which they can not clear out of my credit report but I was willing to let sit on it. 

They had issued a wrong card originally with tis incorrect name and birthdate, then fixed it now issued it incorrectly again???? 

Each time it goes as an inquiry and XXXX score gets affected, why. I want the account closed!!!!! I even paid {$99.00} fee just to be rid of them. They are harrassing me, I am XXXX yrs old and alone and do not know what to do and I am scared!!! This is my credit! 

Can you help me, please have hem close out the Barclays accout and end my nightmare!

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 2022-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I have tried to send letters to XXXX, XXXX, and Transunion. 
I have not been able to get these addresses removed on my credit report. I do not live at these addresses. I have never lived at the following addresses listed. 
My current and only address is : XXXX XXXX XXXX XXXX, MI 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 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
You are reporting this collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2023-09-14
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to formally lodge a complaint concerning several inaccuracies and fraudulent items on my credit report. These issues include multiple attempts to add inaccurate addresses, collections, and inquiries that I suspect to be fraudulent in nature. These inaccuracies are significantly impacting my creditworthiness and financial standing. I urgently request your immediate assistance in investigating and rectifying these issues in compliance with the Fair Credit Reporting Act ( FCRA ). 

Below, I have outlined the specific inaccuracies and fraudulent items that require your prompt attention for removal : 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 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 

I observed multiple attempts to add inaccurate addresses to my credit report. These addresses are not associated with me, and I have not resided at these locations. It is essential that these inaccurate addresses be removed from my credit report. 

I have enclosed copies of documents that substantiate my claims, including [ attach copies of any relevant documents such as dispute letters, identity theft reports, or proof of address corrections ]. 

As per the FCRA, I demand that you : Initiate a thorough investigation into the accuracy of the disputed items and the suspected fraudulent inquiries without delay.

Notify me of the results of your investigation within the legally mandated 30-day period.

Correct or remove any inaccurate, incomplete, or fraudulent information from my credit report.

Failure to address these issues promptly and in accordance with the FCRA can result in legal consequences. I trust that your agency will handle this matter with the utmost professionalism and in full compliance with the law.

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 2022-06-29
Company: CL Holdings LLC
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022 I received a letter from Jefferson Capital Systems LLC stating they have a debt they are trying to collect on. I sent them a letter on XX/XX/2022 asking for supporting documentation/verification of this debt. They did not respond. ( the account was not on my credit report ) On XX/XX/2022 I received a letter from XXXX stating they are trying to collect a debt. I sent them a letter via on XX/XX/2022 asking for supporting documentation/verification of the debt. 

On XX/XX/2022 I received a letter from XXXX stating the account with Jefferson Capital Systems LLC has been closed and " returned to their client ''. 

on XX/XX/2022 I also received a letter from Jefferson Capital Systems LLC stating they received my dispute and have been unable to resolve my request because they need additional information. 

On XX/XX/2022 a collection account from Jefferson Capital was put onto my credit report. 

I have not received any documentation regarding this account. I dont believe this account can be put onto my credit report without providing me proper documentation validating this account.

Company response to consumer: Closed with explanation