BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-02
Company: Winklevoss Exchange LLC
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I am a Gemini Earn customer. I possess funds in Gemini Trust Company , LLC, that I put into Gemini Trusts Gemini Earn program. These funds consist of {$130000.00} XXXX and XXXX XXXX. I attempted to redeem my callable loan of these funds on XX/XX/2022, and received a message that my funds would be transferred to my XXXX account on or before XX/XX/2022. I have still not received these funds -- the transaction has remained indefinitely " Pending. '' On XX/XX/2022, I used the Customer Support portal to direct Gemini to terminate my loan to any Borrower parties, pursuant to the terms of the Gemini Earn Program Terms and Authorization Agreement, which states in Section XXXX ( Making Loans to Borrowers ) that I have the right to direct [ Gemini ] to initiate action to terminate any Loan made under this Authorization Agreement in accordance with the terms of the Loan Agreement. 

Furthermore, the Master Loan Agreement states the following in Section XXIII ( Term and Termination ) the following : This Agreement may be terminated by any Party by providing thirty days written notice to the other Parties. In the event of a termination of this Agreement, any Loaned Assets shall be redelivered immediately and any fees owed shall be payable immediately. This Master Loan Agreement has since been deleted from Geminis website. 

On XX/XX/2022, I received a response to my demand for loan termination, saying that there was no further information and that I should await updates. To be clear, I was exercising my contractual right to terminate my loanI was not seeking further information. I messaged Gemini Support again later that evening of XX/XX/2022, to clarify that Gemini had not substantively addressed my request. 

On XX/XX/2022, I again directed Gemini Support to terminate my loan, again using Geminis online portal. I have thus far received no response to this message, but I received a reply to my second message from XX/XX/XXXX, stating that Gemini Support was working on my request and would follow up laterGemini Support gave no timetable for when it would effectuate my request. 

In summary, I have exercised a right delineated in my user contracts to terminate a callable loan, and not only has this request not be fulfilled within the promised timeline ( XXXX week ), but my demands for loan termination have essentially been ignored, which is unacceptable conduct from a party ( Gemini ) that holds itself publicly and contractually as the Agent for the Lender ( me ). 

Thank you for your time and prompt attention to this pressing matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
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: Information belongs to someone else

Complaint:
I noticed an account on my credit report that I do not recognize

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 2022-06-08
Company: Flagstar Bank, N.A.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was under the COVID relief hardship program and was approved for a loan modification. Flagstar Bank sent me XXXX packages, in each package, there were XXXX copies of a Modification Agreement. 2 for us to send back, 1 for our records. The 2 copies were to be notarized and sent back which I did, however, Flagstar is now claiming they never received the documents and that I now need to reapply for a new loan modification. I believe they are doing this being they no longer want to honor the new rate of 2.875 %, my original rate was 3.875 %. 

Flagstar Bank claims to have sent ONLY 2 packages- on XXXX, XXXX, 2022 ( tracking # : XXXX ) and XX/XX/2022 ( tracking # : XXXX ). However, if you refer to the image ( XXXX XXXX ), you can clearly see they are disorganized and tried sending a total of XXXX packages. Images ( XXXX XXXX & XXXX ) clearly show they created a package to ship to me on XX/XX/2022, however it was never dropped off. They also sent a package on XX/XX/2022 ( tracking # : XXXX ) which was delivered back to them on XX/XX/2022 and signed by employee ( XXXX XXXX at XXXX hrs ), images ( XXXX XXXX & XXXX ). 

Flagstar Bank has no records of the XX/XX/2022 package being sent back. In fact, they claim that tracking number is not even in their system. I have provided tracking numbers of both packages that were delivered to me on XX/XX/2022 and XX/XX/2022, both being shipped back and delivered on XX/XX/2022 ( tracking # XXXX : XXXX & XXXX ). Both packages were received and signed for by an employee named XXXX XXXX on Monday, XX/XX/2022 at XXXX hours. 

Flagstar also claims that my package was incomplete hence why they cant apply my loan modification. However, I was never notified of this until I called in. In addition, if claims of one of my packages being incomplete are true, why did they not use the second package I sent it on the same day, which was confirmed to be delivered AND signed for. I sent the documents in a timely manner and have made all my payments during the trial period. 

Flagstar is making me apply for another loan modification even though they received my packages which were signed for ( XXXX XXXX ). I believe they are using the same tactics from years prior which resulted in action from the CFPB in order to correct it. 

I believe its unfair that Im being penalized if they have received my loan modifications. Thank you for taking time to read this.

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 2022-12-02
Company: NRA Group, LLC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was severely injured at work and required XXXX  XXXX. I did not have insurance at the time and was self-employed so I was unable to pay the medical bills and needed time to recover. XXXX XXXX  where I received treatment has their departments all separate so XXXX  was billed separately as were the XXXX  charges and the XXXX  's charges. by the time I got situated where I could start addressing the financials the XXXX  dept. had already sent their bill to collections which happened to be before the XXXX  approved me for 100 % financial assistance. They show a XXXX balance on their records however NATIONAL RECOVERY AGENCY is still reporting this to my credit report and attempting to collect payment. I have opened a dispute with credit karma which is pointless because none of the credit bureaus have any record of a dispute so I then filed a dispute directly through XXXX and sent a letter of VALIDATION to the collection agency, the dispute has been closed as the collection agency reported that it is accurate information even though legally they are not allowed to until they have satisfied my request for validation which they have not nor can they. next, I will file any relevant law suites against them as this is causing me serious harm.

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 2022-08-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, I had unknowingly cashed a check online through Chase Bank. The check was sent to me through an unknown person who claimed to have been the accountantof someone I was talking to through XXXX. The check looked photoshopped but I had thought it was too good to be true. The person I was talking to on XXXX claimed he wanted to be my sugar daddy and said he was send me {$500.00} dollars each week as my allowance. I believe fully that I was scammed as the check didnt go through at all, and now I am in the negatives on my checking account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This Compliant is to Transunion. 
I've been disputing multiple Fraudulent accounts that Have been reporting to the 3 Bureaus. I started these disputes back in XXXX and have also included a police report explaining how I've been a victim of identity theft. Transunion Fraud Department has placed a security freeze and Fraud alert on my file due to the submission of the police report but continue to inaccurately report these items I've been disputing these Items and going back and forth with Transunion as they keep saying the items are Verified. Now Transunion has changed the status of these accounts as closed, charged off and also are reporting these items as " On Time '' accounts. 

XXXX XXXX XXXX  is reporting as an On Time account, never late / charge off XXXX XXXX is also reporting as an On Time account, never late / Charge off another XXXX XXXX account is reporting that I owe {$7500.00}. It states the account was opened XXXX for {$7800.00}. It states no min monthly payment, {$7500.00} past due and reports No Late Payments. This makes so sense and is totally incorrect How is an account opened in 2019 and states I'm past due {$7500.00} but also states there's no late pay! These accounts are totally inaccurate and do not belong to me These accounts previously were all posting as negative accounts with late payments Now they are reporting as " ON TIME '' accounts with No late payments & charged off or stating I owe past due amount with no late payments. 

This information that's reporting does not match XXXX and XXXX 's reporting info. 

I requested in my disputes that Transunion provide proof bearing my signature that these accounts are owned by me. I have never received any proof from Transunion. 

All they've done since my disputes is send copies of credit report, Claim the accounts were verified. I requested copies bearing my signature and their method of verification. They have failed to do so and they are in violation of the FCRA. 

Transunion has changed the status of the accounts to closed as On Time accounts, No late pays and charged off. These accounts are not mine and I demand these items to be deleted because they have yet to prove these accounts belong to me nor have they prove that I owe the balances reported I have submitted all copies of my disputes that were sent regarding these accounts

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 2022-12-02
Company: ALLY FINANCIAL INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Lease was funded using a fraudulently signed " Standard Buyers Order ''. I was never presented with this document while obtaining the lease, never signed this document, and explained this to XXXX over the phone in reference to COMPLAINT ID XXXX. All signatures and initials on this document do not match my own.

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 2022-08-27
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX Is on my credit report for auto loan. They are report XXXX this loan on my report and this auto loan is not mine. I have tried to reach several times then I notice that that must have gotten repoed and they updated on my report when I went online to verify the car details this company still show The full amount owed on report when. They sold the vehicle for a cheaper price I am not responsible for this loan I ask that this please be remove asap. This company is fraudulent they added all kinds of extras fees on this account and the dates are XXXX by law this is against the law

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: BARCLAYS BANK DELAWARE
State: LA
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:
I received a decline notice for a XXXX XXXX XXXX ( XXXX XXXX XXXX ) issued through Barclay 's Bank. I never applied for a credit card with Barclay 's Bank and they would provide no information about the source of the application or how it was received or why they had my correct home address to send the decline.

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 2022-06-08
Company: American Coradius International LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good Morning my name is XXXX Received a letter from America Coradius International that i have a debt XXXX they already get XXXX from my old debt card, but still pending XXXX the problems is this is not my debt. i need a letter with the name and address of the original creditor. because they need to send me the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I completed a ATM transaction at the TD bank in XXXX XXXX XXXX XXXX XXXX of XXXX dollars and the ATM malfunctioned after the funds had been collected by the ATM but my account has not been accredited for this transaction and my recurring weekly payments cant be paid because of this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-22
Company: TD BANK US HOLDING COMPANY
State: PA
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:
Called on XX/XX/XXXX to report fraudulent transactions from XX/XX/2022 on credit card. 

Multiple charges for airline tickets, rent, XXXX XXXX totaling around {$4500.00}. Was told the charges would be removed and an investigator would contact me via email or letter. 

I have received no communication since that call. The charges are still there and accruing interest on my card which TD Bank is charging me late fees for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-29
Company: Experian Information Solutions Inc.
State: NV
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : Bankruptcy XXXX XXXX Ref No.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 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.

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 2023-01-28
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:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$470.00} ; XXXX XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX Balance : {$7100.00} ; XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$8700.00} ; XXXX XXXX XXXX XXXX XXXXXXXXBalance : {$1100.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$470.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1600.00} ; XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXBalance : {$540.00} ; XXXXXXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXXBalance : {$1000.00} ; XXXXXXXX XXXX  ( Original Creditor XXXX XXXX XXXX ) XXXXBalance : {$2000.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$7200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$540.00} ; XXXX XXXXXXXX.

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 2022-12-02
Company: CBC Companies, 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:
In accordance with the Fair Credit Reporting Act, everything on my credit report must be 100 % accurate. 
My account was properly investigated, according to the credit bureau, but how is that possible when the open date, date of last activity, and date of last report are all incorrect? This ground for evacuation likewise abused my freedoms under.I have the right to privacy, as stated in 15 U.S.C. 1681, section 602 A.Section 604 A of 15 U.S.C. 1681, Section 2 : Additionally, it states that without my written instructions, a consumer reporting agency can not provide an account.Additionally, it took the credit bureau more than a month to finish my investigation. Here is my certified mail.tracking # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is the several time I've complained about being a victim of identity theft. XXXX and TransUnion must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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

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 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX TX ) XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$3300.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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