BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-18
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My name is XXXX XXXX, I am experiencing issues with my account on the " Coinbase '' exchange platform, in which my account appears as " restricted '' for no reason. After trying to contact the company repeatedly to collaborate in case there was a problem with any document, I did not receive any response. It is a matter of vital urgency for me since there are some funds in my account, currently blocked as I can not operate with them. 

Best regards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-19
Company: DRAPER AND KRAMER MORTGAGE CORP AND ECLIPSE MORTGAGE LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was attempting to buy a home. I paid for inspection on the home I was attempting to buy along with the appraisal. The lender has refused to return my calls. The number on the company website does not work. The loan officer I was using no longer responds to my calls or my text messages. I have switched lenders now since there is no way to get ahold of the lending company. I need the appraisal to the house that I already paid for to move forward with my current lender. They never sent me the appraisal and now refuse to speak with me I have reached out numerous times. I have attempted to call and text as well as email and no one will respond to me. I dont know what else to do to get the appraisal. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have been a victim of identity theft

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 2020-10-07
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: Investigation took more than 30 days

Complaint:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2017-09-09
Company: EQUIFAX, INC.
State: WA
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:
Equifax improperly handled their data security, allowing over 140 million credit report accounts, including account numbers, addresses and social security numbers, to be accessed by unknown third parties for an undisclosed amount of time. They have failed to notify affected customers in a timely manner and have not provided any clear method of protection of consumers or plan to correct this catastrophic error. Hundreds of millions are now at immediate risk of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
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: Information belongs to someone else

Complaint:
Since XX/XX/2016 .... pretty much a year ago, I have tried to have fraudulent and unknown accounts and errors deleted from my XXXX credit report. Per the advice of a XXXX rep named XXXX in special services, sent in my police report and nothing has happened and I can no longer reach him. 

I have some huge concerns about the following fraudulent accounts and need them to be removed asap .... they are also referenced in my police report. 

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 2023-01-09
Company: EQUIFAX, INC.
State: MS
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:
Equifax is reporting inaccurate and unverified information on my credit report to defame my character and this is affecting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: SYNCHRONY FINANCIAL
State: PA
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:
FRAUDULENT INQUIRIES DELETE IMMEDIATELY 1. XXXX XX/XX/XXXX XXXX XXXX WA , XXXX   2. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX CA , XXXX  3. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX PA , XXXX  4. SYNCB  XX/XX/XXXX Syncb XXXX FL , XXXX  5.XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX  6.XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX PA, 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 2022-01-18
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Hello, I XXXX XXXX, am filing this dispute for my self. After reviewing my credit report I am aware that my consumer rights have been violated. I did not give permissible purpose for the following accounts to appear on my consumer report : XXXX-account # XXXX and XXXX XXXX XXXX account XXXX XXXX XXXX According to 15 USC 1681b ( 2 ) A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I am aware that your company is a consumer reporting agency and I, as the consumer, did not give your company written instructions, nor did you have permissible purpose to allow these accounts to appear on my consumer report without my prior written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: FISERV INC.
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Hi, On XX/XX/XXXX, I submitted a claim with the irs I never received my third stimulus of {$7000.00}. Irs noted my account, informed me to make a police report and contact money network the issuer of the card to report it stolen and receive a reimbursement with a refund of fraudulent/theft funds! I contacted money network after having being Identified by questions, I submitted a claim ( although it's theft ) they still wanted me to submit a claim. After weeks of waiting, XXXX  XXXX XXXX replied with an incomprehensible letter, he placed the Wrong date and other information, and denied my claim although I provided a statement of facts and a police report number as they requested. Money network then sent another card to the wrong address with my balance of {$2000.00} or so, after I informed then of the previous error, they still sent my funds. I had to them make another claim and police report on XX/XX/XXXX, and XXXX XXXX XXXX' which seems to be the only dispute representative who is discriminatory and fraudulent send another carbon copy of the same letter he sent for the previous claim denying it. Now my family and I are victims of theft and money network is not doing due diligence to protect their clients please help and investigate this company I'd like my {$7000.00} that the irs stated I was a victim of due to receive back due to theft please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
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 Act XXXX XXXX XXXX XXXX account # 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 an 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 2017-09-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hello, After the XXXX  data breach, I used the XXXX  website to see if my SSN was impacted ( XXXX XXXX XXXX ). They confirmed that I had been ( although I 've read reports that their system is incorrect more often than not ) I have since been taking steps ( today, XX/XX/2017 ) to add freeze to all of my credit reporting accounts. Across the major three and additional 1one ( XXXX, XXXX, XXXX, and XXXX ), the process has taken me hours with only some success. 

My major complaint is that the time and cost of placing freezes has been arduous. I have already paid multiple institutions for placing the freeze ( XXXX - {$5.00}, XXXX - {$10.00} ) and both require fees if I ever decide to temporarily lift the freeze. 

I am genuinely confused why agencies that I did not consent to giving my information to are allowed to charge me for them to keep my social security number safe. Why is the default that they can set their own policies with my personal information? Why is opting into a slightly more secure set up ( a freeze ) costing me time, lost income, and fees? 

I realize that I am bringing up a systematic issue, and not a particular one. Regardless, I believe the CFPB is the only organization that can help and I would love to know if that is possible and if there is anything you can do to help me and people like me. 

Thank you in advance for your help and thank you for all that you do!

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 2022-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XX/XX/XXXX # XXXX,XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX,XX/XX/XXXX XXXX BANK # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX BANK # XXXX, XXXX BANK XX/XX/XXXX # XXXX, XX/XX/XXXX XXXXXX/XX/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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

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 2017-09-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hello, After the XXXX  data breach, I used the XXXX website to see if my SSN was impacted ( XXXX XXXX XXXX ). They confirmed that I had been ( although I 've read reports that their system is incorrect more often than not ) I have since been taking steps ( today, XX/XX/2017 ) to add freeze to all of my credit reporting accounts. Across the major three and additional 1one ( XXXX, XXXX, XXXX, and XXXX ), the process has taken me hours with only some success. 

My major complaint is that the time and cost of placing freezes has been arduous. I have already paid multiple institutions for placing the freeze ( XXXX  - {$5.00}, XXXX - {$10.00} ) and both require fees if I ever decide to temporarily lift the freeze. 

I am genuinely confused why agencies that I did not consent to giving my information to are allowed to charge me for them to keep my social security number safe. Why is the default that they can set their own policies with my personal information? Why is opting into a slightly more secure set up ( a freeze ) costing me time, lost income, and fees? 

I realize that I am bringing up a systematic issue, and not a particular one. Regardless, I believe the CFPB is the only organization that can help and I would love to know if that is possible and if there is anything you can do to help me and people like me. 

Thank you in advance for your help and thank you for all that you do!

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 2022-10-03
Company: Stilt Inc
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I'm currently trying to pay off a loan with Stilt , IncXXXX XXXX # XXXX. I overnighted them a check viaFedex on Tuesday, XX/XX/2022 and they received the check on Wednesday, XXXX XXXX at XXXX. Tracking number XXXX ; proof of delivery attached. It's now XXXX XXXX and the lender is advising that they have not received the check and is refusing to help. XXXX was issued through escrow on a refi that I did, so the check is not drawn on my account. XXXX advised that they did not receive the check I asked if I can wire the money and they said that theydo not accept wire transfers. They only accept debit payments or XXXX, which does not work for thistransaction. I have been calling and following up with them for a week and they are not even looking forthe check. I was told on Friday XX/XX/XXXX and Monday XX/XX/XXXX that they were followingup with the warehouse where they recieve mail on the check. They said they would get back to me butthey never actually do get back to me. I'm getting badgering collection calls because my payment is nowlate. Soon they will report the account late to the credit bureau 's. Interest is also continuing to acrruewhile the payment should have been applied on XX/XX/XXXX. Customer service refuses to allow meto speak with a supervisor or XXXX who may be able to help. They are ignorning my requests forhelp to get the loan paid off. I have only held the loan for 9 months, so they are probably refusing toaccept my payment in order to continue to accrue interest on the loan. I need help getting them to acceptmy payment. 

After I initially filed this complaint, the company found my check and advised that they would backdate the payment and apply it to my loan. However, they did not do that and applied the check 7 days after receiving it, resulting in additional interest of over {$150.00}. They are now refusing to correct the payment date and properly refund me the overpayment amount. The check I provided was {$21000.00}, and the payoff amount due on XXXX was {$21000.00}. I should be receiving a {$430.00} refund, but they are refusing to refund me more than {$250.00}. Included here as an attachment is the email from them advising that they would backdate my check and post it to my account. Stilt provides the payoff amount online, and I watched the payoff amount increase daily between XXXX and XXXX. They applied my payment effective XXXX instead of XXXX in order to improperly charge me additional interest.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: EQUIFAX, 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 ActXX/XX/XXXX XXXX XXXX account # 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
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 ActXX/XX/XXXXXXXX XXXX account # 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 an 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 2018-10-21
Company: CMRE Financial Services, Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/18 I set up an automatic payment plan on my debt for {$130.00} a month on my credit card. With CMRE debt collector 's. On XX/XX/18 I called and made and offer to pay off debt in full. 
The company accepted. Two days later they charged my credit card again for {$130.00}. I called again and they said it was to late to atop automatic charge and debt paid in full but now it was for the full amount not offer in compromise. 
I asked if this was going to happen again next month, they said we are professionals of course not. 
Today XX/XX/2018 guess what there is a charge for {$130.00} on my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: EQUIFAX, INC.
State: CO
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, XXXX I tried to get all XXXX of my credit reports at XXXX. It only gave me XXXX report even after I tried XXXX times to enter my complete information. After entering the correct capcha it would only return me to the first page to enter data all over again. I have not seen nor requested to see any of my credit reports for several years so that can not be the problem for why I was denied seeing my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: UT
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:
Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: NY
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:
Equifax mishandled my personal information which has led to a breach that puts myself and millions of others at potential risk. Additionally, I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. Once it was decided to notify the public, I received no email, letter, or phone call and instead had to discover it via social media. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. Please take prompt and decisive action to ensure I am compensated for their negligence, I can be 100 % - without question - guaranteed my identity and personal information is not at risk, and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Attempt by individual to open multiple accounts using my information. Most recent fraud alert from Capital One. I do not have a Capital One credit account. Previously, a XXXX XXXX account was opened using my information

Company response to consumer: Closed with non-monetary relief