BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 information is being traffic!! ( see attached ) BECAUSE OF YOUR FAILURE TO PROTECT MY NON-PUBLIC PRIVATE INFORMATION companies are now taking my likeness, my personal federation protected private information and are assembling a consumer report that is supposed to reflect who I am all without my consent all without my authority in so present now I am unable to get credit card, home loans, and suitable employment.

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 2023-03-11
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX  : # XXXX, XXXX : # XXXXXXXX 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 15 U.S.C 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-11
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1

681.XXXXXXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXXXXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX  : # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I h

ave 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 accoun t without my written instructions 15
U.S.C 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-11
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: Account information incorrect

Complaint:
After receiving a loan denial I decided to check my credit. 

XXXX XXXX has been reporting erroneous information to the three major credit bureaus. The company has been reporting and increasing outrageous amounts that are false and is causing financial difficulties. The account with XXXX has been closed and charged off since 2016. 

The company took the debt to civil court and was awarded a judgment in the amount of XXXX. 

XXXX has continued to report a high balance of {$28000.00} and the amount is climbing every month. 

These reporting are false and fraudulent and is causing financial difficulties. 

I no longer have an open account with this company I dont see how they are legally allowed to report increasing balances per month.

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 2023-03-11
Company: EQUIFAX, 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: Account information incorrect

Complaint:
This can not be correct. I've already paid this debt with another collection agency, and when I was close to paying it off completely, my debt went to another collection agency, and now the balance is {$1300.00}. My credit score has dropped XXXX points! I've worked really hard to increase my credit score over the last two years, and for this happen is appalling. 

XXXX XXXX XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Lennar Financial Services, LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My wife and I were applying for a mortgage and working with Lennar Mortgage. Due to my self-employment, we decided to leave myself off the application. However, even when specifically asked to not pull my credit, the loan officer proceeded to do so. The document uploaded name thats starts with XXXX is a screenshot from my wifes email where she specifically asked him ( after talking on the phone ) to only pull her credit.

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 2023-03-11
Company: EQUIFAX, INC.
State: AL
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: Other problem getting your report or credit score

Complaint:
On XXXX, XXXX  @ approx XXXX XXXX & several dates & times prior have called the phone number and gien the code to agents of Equifax as instructed on pop notice when I logg into my.equifax.com account. Agents ask for copy of my driver 's license & social security card with no futher explanation, agents refuse to email and/or send the request and instructions to me by email and or united states postal service. I advised the agents having problems with my writing functions and will need special assistance. Agents still refuse, I activate call recording and ask agent to give my the information verbally, the agents then become irrrate to me recording, I attempt to explain since the agent can not mail or email the request with instructions I need to record the information that the agent is only willing to give to me verbally over the phone, agent continues that if I'm recording the will disconnect the call, I then re-state my purpose so I have the information they are giving to me for use at later time so I can comply with thier requests for my driver 's license and social security card, I also remind the agent that they are recording the call. It's really strange that this company is refusing to provide their request in writing or willing to allow the verbal request to be recorded. The company is violating Americans with disabilities rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I added a Membership Rewards bonus offer to my American platinum credit card and in XXXX XXXX the offer states spend XXXX, receive XXXX bonus points ( I have a screen shot of this offer ). I made a XXXX purchase on XX/XX/2022 and never received the bonus offer. I inquired about the bonus in XX/XX/2022 and was told I had to wait until the bonus offer expired ( XX/XX/2022 ), I reached out to Amex chat XX/XX/2022 and was told that there is a technical delay, no time frame, no ticket number, on when I would receive the bonus points. 

I have experienced this with AMEX membership points in XXXX regarding missing bonus points, have spent hours on the phone with representatives every few weeks to follow up and never given the earned bonus points. 

This is a scam the company is running, they are not following through with bonus point offers on their credit cards for customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
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: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. Experian is govern by 15 USC and they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Experian permission to furnish these accounts. Accounts : 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 2023-03-11
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have NEVER signed any wet ink contract with this alleged 3rd party. 
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 

Has 4 Alleged Assignments of Notes filed in County Records. The first assignment of note XX/XX/XXXX was filed by XXXX  XXXX XXXX employees as XXXX  for XXXX XXXX for {$1.00} XXXX  dollar in a secondary mortgage market by XXXX  mortgage " brokers '' in Virginia, and not recorded until 8 months later in XXXX with an additional unrecorded note stuck in my file with the wrong index # at county records. Plus, 3 additional later assignments of note by XXXX XXXX XXXX employees that I was never notified of by the original XXXX XXXX from XXXX that has not satisfied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Case # XXXX On XX/XX/XXXX my Coinbase " XXXX '' wallet was " dusted. '' ( aka " Dusting Attack '' ) There was a unfamiliar cryptocurrency inside the " newly '' added application called the " dapp Wallet '' ( functionality added to supposedly give access to web XXXX crypto websites. ) After reporting and opening a case, coinbase has not only ignored my case for over 3 months, they've also refused to give access back to my " Trading Account. '' The terminology they've used is as follows : " Why the wait? We understand it may be frustrating to wait, but this is the fastest way to get back into your account. Contacting out customer support team could delay your account review by several weeks. '' The review of my account was supposed to end XXXX XXXX, XXXX. XXXX date is XX/XX/XXXX. I believe that coinbase is systematically involved in shutting out customers whom have large amounts of funds on their platforms. Using the funds to manipulate cryptocurrency prices, and then either " allowing '' certain customers access back, or " retaining '' the funds of others for extended periods of times. Not only to boost their stock prices but also to " boost '' the prices of cryptocurrency they offer. This is Fraud. This constitutes " Ponzi Scheme, '' even under the most basic interpretation of United States Tax Law Code. My losses to this company are the most I've experienced. Ever. Being locked out of over XXXX $ of my own personal funds, for months, constitutes theft and scam in my book. No explanation for their email support, and zero reply to my case 3 months after the promise of my account being restored. This also, as a note, happened almost 2 weeks after the XXXX collapse and theft of Billions of customer funds. It seems coinbase has taken a " slow burn, '' approach to the appropriation of customer funds instead of a " total collapse, '' as XXXX had. Its apparent to me, that coinbase is either mismanaging customer funds, as I'm apart of the group they've stolen from, if not directly, in part. However, even in part, this is against the law. My case is either being delayed on purpose, or in order to give the entity known as " Coinbase Inc. '' time to re-organize their holdings in order to better meet a legal case already being brought forth against them, or future such cases that will be, based on their already " suspicious, '' activity. That of which I've directly observed. My such case is on of XXXX other such cases ( that I know of ) that are quickly turning into legal action against " Coinbase XXXX '' XXXX Customer Support, XXXX Response from anyone representing coinbase. XXXX accountability by " The Worlds Number XXXX Cryptocurrency Trading Platform. '' I believe this to be fraud, theft/scam, and a Ponzi Scheme, if not on the world stage as I claim here, in part for my case. Which, is still illegal in any case. Whole, or part.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-11
Company: Dynamic Recovery Solutions, LLC
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Dynamic Recovery Solutions regarding a debt owed to XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX. The letter stated that they have tried to contact me via letter before, which is untrue. I have never been to this place. I looked them up online and the business was a rental car agency. Several other people have left reviews about being scammed or having a false debt sent to collections by this company. I tried to reach the company using the number listed in the letter. There was no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Incorrect information on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-11
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
PROBLEM : MORTGAGE SERVICER MR. COOPER SHOWS AN ERROUNOUS XXXX XXXX ESCROW AMOUNT FOR YEAR XXXX IN DUPLICATE {$2800.00}. MR. COOPER HAS BEEN UNABLE TO SOLVE THIS DUPLICATE AMOUNT CITING THAT PARSELS AND AMOUNTS ARE CORRECT BASED ON TOWN WEBSITE. I HAVE BEEN IN CONTACT WITH MR. COOPER SINCE XX/XX/XXXX TO NO AVAIL. I AM CURRENT WITH MY MORTGAGE PAYMENTS. HOWEVER, THE SUBSTANTIAL AMOUNT OF ESCROW HAS INCREASED MY MORTGAGE PAYMENTS BY MORE THAN 10 % A MONTH CAUSING AN UNDUE HARDSHIP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX : XXXX Amsher Collection Serv. 
I asked this company to provide me with documents with my signed signature and to validate this account belongs to me. Instead of validating my account they reported to my report. Also never received anything in writing nor contact before reporting this to my report. They did not follow the FDCP nor the FCRA Practices Act Causing distress and hardship to myself being a single father on XXXX income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: Experian Information Solutions Inc.
State: IN
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:
XX/XX/2023 I contacted Experian to dispute a address of ( XXXX XXXX XXXX XXXX, IL XXXX ) not belonging to me. 

XX/XX/2023 I contacted Experian to dispute my name XXXX XXXX being displayed as ( AKA ) XX/XX/2023 I was sent a email alert about my dispute XX/XX/2023 I log into my Experian account to notice that the address of ( XXXX XXXX XXXX, IL XXXX was removed. But ( XXXX XXXX XXXX XXXX, IL XXXX was added. 
XX/XX/2023 the ( XXXX XXXX XXXX XXXX, IL XXXX ) wasn't on my report. This was added by Experian. 
XX/XX/2023 Experian added ( XXXX  XXXX ) to my report stating this is my ( AKA ) XX/XX/2023 This wasn't on my report. This was added by Experian.

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 2023-03-11
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
The Mountain America Credit Union staff promoted a false rate of interest for a XXXX CD at the same time the rate was to expire. 
XXXX staff members XXXX XXXX and XXXX XXXX? ) knew their promo rate would expire when I communicated with them via telephone and email. Now, they will not reply to my emails. Their online service, via my account, is usually inaccessible after attempting to contact them many times with XXXX different web browsers ( I have had no other accessibility issues on other websites ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: WELLS FARGO & COMPANY
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 is missing that should be on the report

Complaint:
Thank you. 

1. In addition to alterations to transaction type made by someone with access to bank data, there were alterations to merchant type when having limited space. The alterations to transaction type were observed my XXXX, Wells Fargo, XXXX  XXXX XXXX, police, myself, and their fraud prevention/claims departments. They went against the code determined between the merchants and credit card companies. I reported this about a year ago, and it happened again. If you recall, altering transaction type affected credit score, even though it is not supposed to do so. 

2. XXXX for fax service started mixing billing codes and It codes, essentially doing the online equivalent of giving batteries when emails, personnel, and written statements confirmed that the customer order for fruit would include fruit while still only giving batteries. As a result of frequency and pervasiveness, a new credit card number was issued as they were using the card without authorization while not providing the fax service requested but using email to say they were 3. Wells Fargo changed my credit card number in late XXXX of 2023. XXXX showed that in the change, XXXX ran my score low to almost zero while I was seeking employment. There was adverse effects. Please help stop financial duress as my students with needs were in physical and emotional duress. I am in good standing. No misconduct. 

4. XXXX needs to edit a statement and correct it to show that fraudulent accounts may NOT be opened in my name. 

5. Some avoided putting correct addresses on credit bureau files making verification difficult even though census were taken at those places.

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 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have asked each credit bureau to verify all info on my credit report is accurate on XX/XX/XXXX. Once the report came back from each, the reports all show inaccuracies from each furnishing companies after doing a personal thorough research. ( XX/XX/XXXX ) XXXXXXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

Hard inquires Transunion XXXXXXXX XX/XX/XXXX, XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX 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 an account without my written instructions. 

The furnishing company has inaccuracies in their reporting after stating all information is true to each bureau.

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 2018-10-17
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Enhancement Recovery Co is reporting a debt of {$470.00} on a debt previously removed due to an account in my ex spouses name reporting by another collection agency

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation