BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-14
Company: Prosper Marketplace, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2022, I applied for and was approved for a Prosper Card. The email I received stated that I had a credit limit of {$500.00} and that I could download the app and set my account. 

I downloaded the app and attempted to set up my account using the " new user '' link, as directed in the email sent to my XXXX address. The app asked for a card number which I do not have because the physical card has not been delivered. HOWEVER, the email clearly states that users will have access to the virtual card. This information is on their website AND the initial communication in an email after I was approved. 

When I called the company, they identified the date I applied as XX/XX/2022, which as you can see from the screenshot is not accurate. When I asked how I could set up my account, the customer service told me to use the " new user '' link, the same link that sent me to a page asking for a card number. He did not provide a card number for me to use, again keeping me from setting up and viewing my account. 

Either this company is a scam or they are purposefully misleading consumers. If you look at the reviews on the XXXX XXXX app, many, many consumers are having this same issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- COLLECTION ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1100.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
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:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2017 XX/XX/2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
During the pandemic I fell behind on my rent and the apartments were paid by an agency that was helping people i n need. Even though the eviction moratorium was in order the apartment complex still added extra fees. I lived there for 5 years and had constant problems with mold, roof decaying from water damage, roaches and overall just things breaking or falling apart from the poor work that they had done to the apartment. Once I moved out the apartment was actually in really good condition because I cleaned it very well and they still tried to add on more money on things like repainting a tub, fan etc. I have pics and video of the way that it was left and they definitely went overboard. They also kept my deposit which was the same amount as the rent so in all fairness they should not have put anything on my credit making it hard for me to lease an apartment. I was constantly harrased in a time that they should have not been harrasing me and then to add things that were unfair and keep my deposit. This company is horrible!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02
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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2017-07-21
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
for the last three years I have had on time mortgage payments in anticipation for getting a new mortgage. However, in XXXX 2016 I had a late payment that made my mortgage go 30 days past due. The reason for my past due status does not accurately depict my credit worthiness. I had been banking with XXXX XXXX XXXX for years and had automatic payments set up to make my payments on time. XXXX XXXX got bought out by a new bank which caused my automatic bank payment to not go through. I had to manually make a payment on my cell phone. This was too late by the time I found out my payment was behind it wasl already 30 days passed due, all because my bank was bought out. I have bank records showing and verifying that at the time my mortgage was due I had the money to pay the mortgage it was just in my other bank account with XXXX XXXX XXXX XXXX. I have reached out to chase to see if they could do a good faith removal and they refuse. I think they are acting unreasonably. My missed payment was not carelessness or neglect. I had the funds to make the payment, my bank was bought out by a larger bank. I was ready to pay, I had the money to pay, I had even been making additional payments on my mortgage and interest all year long and Chase refused to take that into consideration. It would mean the world to me for this one time late payment to be removed as it is adversely effecting my ability to obtain any kind of loan to help grow my small business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX XXXX XXXX reported XXXX increase in my home loan which is totally current with the next payment due on XXXX XXXX, 2022. Since they use Transunion as their main credit bureau this amount reported is incorrect. 

Actual current loan balance : {$150000.00} ( shown by XXXX ' on line ) Amount shown in Transunion : {$160000.00} This has caused the Bank XXXX XXXXXXXX XXXX to cause my FICO to go down XXXX points XXXX  only reduced my FICO by XXXX points, which is the correct amount due to XXXX 's miscalculation ( XXXX ) XXXX has created this problem by reporting an unknown balance for my home loan to Transunion. XXXX is prone to mistakes as you can see by my previous complaints to you, which you resolved for me. I am tired of XXXX 's mistakes which you can not report and or correct by contacting them since no human ever answers a phone call and messages sent to them go unanswered.

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 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 Transunion. 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to mXXXX XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2020-01-08
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have requested a copy of the document I signed giving them the right to check my Credit. They have refused to provide proof of authorization ( which they did not have ) I never directly gave them authorization to pull my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was told once I paid my debit for {$52.00} to XXXX XXXX ( XXXX, NC ) it would be removed off of my credit. It has not my receipt was Print Date : [ X/X/17 ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Payment Receipt Acct No : XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Thank you for your payment ( XXXX ) of : Post Date : X/X/2017 Location : XXXX XXXX XXXX XXXX Amount Paid : {$52.00} Current Balance : PENDING Discount : {$0.00} Payment Type : Credit Card Confirmation ID : XXXX Credit Card Type : XXXX XXXX Credit Card # : XXXX Approval Code : XXXX This is unacceptable and it 's hindering me from progressing in life

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02
Company: Freedom Mortgage Company
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had water damage in my home in XXXX 2015. The insurance company paid for work to be done, first disbursement check was sent to me and given to the company. The larger part was sent to the mortgage company, It has been a year. The inspector for the mortgage company, did the inspection and agreed the work has been completed. Freedom Mortgage will not release the check to the contractors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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've contacted the 3 major credit reporting agencies about inaccuracies on my credit report resulting from identity theft possibly from the many recent breaches. None of them have yet to respond with any relevant information or tell me how they allowed these accounts be opened. Again, its not my job to start trouble, but these inaccurate accounts are really hurting my ability to get credit and are beginning to cause emotional stress.

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 2021-02-01
Company: EQUIFAX, 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:
I contacted Equifax on XX/XX/2021 about fraudulent information on my credit report and need to remove it immediately. The creditors who are reporting negative information have been using incorrect names as XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. I have provided proof that the use of these names has been used in identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have 3 {$30.00} charges for a medical bill I was paying ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). It took some time but I was able to be approved for financial assistance, which includes refunds of amounts that have been paid. The hospital that is to issue the refunds is not responding to my requests. In order to preserve my billing dispute rights, I sent a letter via postal mail with all backup information to American Express on XX/XX/2019 I tried to initiate the billing dispute online and was not able. I received a message online that I did not provide enough information for a billing dispute. I sent the information again, with more detailed explanations, on XX/XX/2019, again in postal mail with delivery confirmation. I have received a message that I have not provided information to initiate a billing dispute. 

As American Express will not open a billing dispute, I am not able to move forward. Whether or not American Express agrees with the information I sent, the FCRA requires them to do the billing dispute and then we can fight about whether it's sufficient. So far, American Express will not open a billing dispute, upon my request with backup information. 

I have attached the letters I've sent to American Express, and their last response. I included the backup information of statements, bills, payments, financial assistance letter with the letters to American Express. I did not include the backup information, as I am agreeing to this information being made public.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-23
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In XX/XX/2019, XXXX XXXX XXXX charged my Macy 's XXXX  credit card on file {$680.00} for services that were not performed or authorized by me. The XXXX XXXX XXXX does not have any documentation on file behind this charge. For the last 11 months, Macy 's XXXX and the XXXX XXXX XXXX have been going back and forth with no valid information or proof to this transaction. I have always responded timely and provided information as needed. Today I was notified by Macy 's XXXX that they are closing the dispute and I just owe the money. There has never been a written or verbal approval for this {$680.00} charge. It is completely fradulent. I need for you to step in and take over this investigation.

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 2017-07-21
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Since XXXX 2017 I have applied for the Walmart card and have been denied each time. I decided to apply my last attempt by going into the store instead of online. I was denied once again. I called the bank after receiving my denial letter and informed them that I had also applied at 3 other banks and was granted cards with very high limits. I was told to send in my financials and my request of proof of the valid score of XXXX that came with the denial letter. I gathered all this information and sent it to the bank. One month later I called the bank to find out the status of my request. I was told by another rep that it is not the policy of the bank to review card requests after a denial. WHAT!!! then why have me send in all that verification? I explained once again that I opened a XXXX XXXX, XXXX and XXXX XXXX and was grated credit with high limits. How could this be possible with a fico of XXXX? something is wrong here. I have been getting the run around for 2 weeks now and no one wants to say what happened to my information that was sent in.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: Green & Sons Agency, Inc.
State: UT
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:
Outsource Receivables # 1XXXX*****XXXX is reporting an account to my report that I do not owe. I never received my 30 day notice for this debt and as soon as I saw it was on my credit report I paid it. They are still reporting a balance and I need it removed immediately as it is paid and in violation of my 30 day right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: Coinbase, Inc.
State: NM
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 have a coinbase account that I have been trying to log into for the past 2 months. Coinbase 's website does not work properly, and just a glance at their reddit page will show you the problems many are facing. I am trying to change my phone number from my old account to my new phone number, however their website does not let me complete the verification process. I have tried on many different computers, and on different platforms all with no result. I have sent multiple emails and even attempted calling them. The only feedback I got was someone on a reddit page claiming to work for the company, they asked me to submit an image of my issue, and then nothing else happened. They basically have zero customer service. I 'm worried about money I might have in that account that I can not access.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
There are multiple inquiries that were the result of unauthorized use of my credit report. I have filed an identity theft report. I am unsure of what type of credit many or these companies issue.

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 2020-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
In 2017, XXXX  reported a 30 day late that was not late. I disputed this through the CRA 's and it came back as resolved. 

Last month, during the Covid crisis I was late on my payment due to work related issues, but it was not 30 days late which it is reporting on all my reports. When I spoke to the company they indicated they are making no concessions related to Covid which is insane considering how impacted this country is.. Now these late payments, the only TWO negative marks on my credit score, are impacting the rest of my finances and causing other companies to lower my limits and change my interest rates. 

I would like XXXX  to remove these late payment reports. If they are unwilling to do so, I would like XXXX  to remove the entire tradeline from my report so I can continue with my potential home purchase. 

I have attached the XXXX  report which shows the XXXX  account and the dispute resolution, and two printouts from bank statements showing the payments.

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