BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-15
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:
On XX/XX/XXXX I sent a dispute to TransUnion about the following accounts : XXXX CARD ( Date Opened XXXX XXXX, XXXX, Credit limit {$7100.00} ), XXXX ( Date Opened XXXX XXXX, XXXX, Balance {$0.00} ), XXXX XXXX XXXX ( Date XXXX, Credit limit {$1800.00} ), and XXXX CARD ( Date Opened XXXX. XXXX, XXXX, Credit limit {$10000.00} ). It's been over 5 months since I send the disputes and till this day TransUnion have not respond as they are obligated by Federal Law. Attached is the dispute I sent to TransUnion on XX/XX/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 2022-07-21
Company: Early Warning Services, LLC
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:
I have a small XXXX  where I make XXXX XXXX  and XXXX XXXX XXXX. This person reached out to me for a local event and even provided a date, time, location for this specific event. They sent me half the money up front via an e-check. When I deposited it via my mobile account, the check cleared almost immediately. Then, a day or so later this person reached out saying that the event was cancelled due to XXXX. They asked me to send the money back via Zelle. A few days went by and I received a copy of this check in the mail from my bank with a fraud stamp on it. I thought that was weird since it cleared on my mobile bank account. So, when I went to look back at my bank statements, I noticed THREE returns made to this person. The return I made specifically to them, another {$1500.00} they decided to take, and in addition to that another return that I didnt make for {$15.00} to that same person. This was incredibly awful and a lot of money taken from me. I have all the information saved in my email for further use if needed. I also have their email address and the Zelle account they used. Thanks in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: EQUIFAX, 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 status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update from reporting. 
XXXX  XXXXBalance {$590.00} XXXX XXXXXXXXBalance {$0.00} XXXX XXXXBalance {$0.00} XXXX XXXX XXXX XXXX-Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: WI
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 am a victim of identity theft and the creditors below has fraudulent accounts on my credit profile that needs to be remove immediately ; XXXX XXXX XXXX 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 2022-05-13
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: Public record information inaccurate

Complaint:
On XX/XX/2021 United States Bankruptcy Court reported they " do not report information to credit bureaus and are not responsible for verifying information form consumers credit files. '' On XX/XX/2021 XXXX XXXX informed me " after an investigation of the data in question, they were unable to verify the accuracy of the bankruptcy cause, subsequently removing the record from my XXXX XXXX report. On XX/XX/2021 I received a copy of my unofficial XXXX XXXX report which showed my bankruptcy also deleted from there unofficial reports. However Equifax is report my bankruptcy was verified through a third party vendor, XXXX XXXX, when that have proven to be untrue. This information is inaccurate and needs to be deleted. It is illegal to report inaccurate information. Please resolve this before I proceed to hiring representative to properly handle this situations in the court system.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
We got a car loan through First Investors Servicing Corporation on XXXX/XXXX/XXXX. My husband lost his job XX/XX/XXXX. We paid up until we asked for 2 differed payments, which we were granted, but after that we were unable to catch up and pay on time. In XXXX XXXX, we gave the car back to them because they would not work with us. We were hoping to refinance through them, but we were told that is something they do not do. When we got the later stating what we owed left on the loan, we were taken back on the amount. It was extremely high! Even with late fees, we were floored to see the balance. We began investigating our account and found out that when we paid, AND current, different amounts went to the principle amount towards the loan. Every month up until XX/XX/XXXX, had a different amount. One time, only {$5.00} went to the principal. Seriously ... {$5.00}. We contacted a lawyer and found out that in XX/XX/XXXX, First Investors had already been fined XXXX dollars for doing the same to others AND false reporting to all XXXX credit bureaus. The lesson has not been learned. Now they have added on more fees and costs and now we owe more on the car then we even took the loan out for! They are bad, bad people and have no right in giving anyone a loan. Please stay away from this company and if by chance you are stuck with them right now, I seriously advise you to take a good look into your account and even check the credit bureaus. We are now loacting an attorney to help with deceptive trade practices, because this is what they are doing. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
Regarding coinbase.com I have made dozens of purchases as an investment on coinbase. com.. 

Coin base is an investment platform that charges a fee for the purchase and sale of digital currency. They do not have any transparency with regard to the price at which I purchase and there fees for transacting my transacting my purchase. 

I believe they are both charging a fee for each transaction and skimming skimming my profits by it's by reducing reducing the actual number of shares that I purchase I'll be it in the tens or thousands of of cents per share. 

They do not provide any means for me to see the exact number of shares I purchase in any transaction along with the corresponding price per share at that time that the trade is executed. 

By not being transparent in this regard, I feel as though they are shaving my earnings and shares. 

They do not provide any means of means of customer service, only a directory of help topics. Neither telephone nor email support is not available. 

I have no means of obtaining an exact record of my sales and purchases and therefore no means to reconcile whether or not my transactions are executed properly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-15
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 a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I sent a dispute to Experian about the following accounts : XXXX CARD ( Date Opened XXXX XXXX, XXXX, Credit limit {$7100.00} ), XXXX ( Date Opened XXXX XXXX, XXXX, Balance {$0.00} ), XXXX XXXX XXXXXXXX ( Date XXXX, Credit limit {$1800.00} ), and XXXX CARD ( Date Opened XXXX. XXXX, XXXX, Credit limit {$10000.00} ). It's been over 5 months since I send the disputes and till this day Experian have not respond as they are obligated by Federal Law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: CITIBANK, N.A.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I came to an agreement with the collection company on settling my debt. After receiving an offer letter and fully paid letter from the collection company, I still have not received any communication from the original debtor, which in this case is Citibank. It has been over 2 months since the debt was " settled ''.

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 2022-05-13
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:
In accordance with the Fair Credit Reporting act DPT EDXXXX Account # XXXX, has violated mv 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 1681 section 1681s- 3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: Real Estate Solutions
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello my name is XXXX XXXX XXXX I have problems with this company real state solutions on XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX I was told from them that they will help me with my modification and they did n't do it ... They told me is better for you to sale your home so ... I ask no no. No. That 's why you are helping me ... If you not doing nothing please give me my money back and they say no we are not going to give you the money back I say to them but you told me ... If we can not help you we are going to give you the money back ... .. The bank were I was diposit the money is chase # XXXX I was diposit {$500.00} evry month .... Please help me I need your help thank you

Company response to consumer: Untimely response
Consumer complaint received 2020-07-10
Company: Regional Management Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
My intrest rate is now 66 %! I would have never signed up or a loan at that APR. The terms are changing on my loan without notification. Harassing phone calls. I have paid over {$1000.00} on this loan and only about {$200.00} going towards pay off. Deceptive marketing. Predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: CITIBANK, N.A.
State: NC
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:
Revolving Citibank credit account in good standing was terminated by XXXX in error in XX/XX/2020. At that time I filed a dispute against the existing balance, as I had paid it off completely and it had not been reported. Instead XXXX deleted it and I discovered the error about 2 weeks later when my credit dropped 24 points and pointed out the  mistake. However, XXXX refuses to correct the error or contact Citi. Citi says they are reporting the account as active but refuses to contact XXXX to clear it up.

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 2020-04-14
Company: WELLS FARGO & COMPANY
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I applied for an application for a PPP Covid19 Loan within 36 hours of it being offered. I submitted my application for the application. I have not received an application. I have received continued emails from Wells Fargo indicating that I have a place in the queue and if they get to my place, I will be offered an application. Wells has indicated that I should consider applying elsewhere. I have called some other banks. All have the requirement that you have a business checking account and some kind of credit with them. My only business checking account is with Wells and I can not apply elsewhere. I believe that I have been defrauded by Wells. They have offered a product that they can not provide. Please let me know if there is anything I can do to get my loan. 

Thanks. 

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 explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act DPT EDXXXX Account # XXXX, has violated mv 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 1681 section 1681s- 3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: MD
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 was trying to buy a car with one auto company and they used my credit in other different without me knowing they was going to pull hard inquiries throughout all the other auto companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Chime Financial Inc
State: NY
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:
The bank Im using is CHIME. I believe someone has gained access to my accounts and processed 55 transactions from XXXX  totaling in over XXXX dollars. These transactions I am disputing were not authorized by me and are fraudulent. Im not able to log in or reset the password. I contacted the merchant but was unsuccessful in receiving any response. I have sent chime screenshots as proof showing that my account credentials were changed. I also lost my debit card so Im not sure if they were able to access it with my card. Ive file multiple disputes with CHIME only to be denied over and over again. I need help to get my funds back because I didnt make these transactions. Please contact me with any updates of this matter at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: EQUIFAX, 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 status incorrect

Complaint:
This is XXXX XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX XXXX-Date of inquiry XX/XX/2020 XXXX XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX/XXXX-Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: WESTERN UNION COMPANY, THE
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XXXX at XXXX EST an individual attempted to send {$97.00} through Western Union using a debit card ( XXXX ) XXXX  # XXXX. Fortunately, the debit card blocked the transaction. However, Western Union failed to confirm that the name on the debit card matched the name of the individual sending the wire. 

On XX/XX/13 at XXXX I called Western Union about the transaction ( XXXX ). I was unable to speak to an agent because the automated phone system terminated the call because I didnt have the phone number of the person that fraudulently used the debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: Freedom Mortgage Company
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Freedom Mortgage IS NOT COMPLIANT WITH CARES ACT, I called and spoke to representative to get Forbearance for 180 day under COVID -19 CARES act, they stated that someone will call me to discuss situation and to send form for COVID -19 financial hardship Notification. I did that right away. I also asked if this will reflect my credit, the answer was we are still smoothing things out, someone will call you back. I received the letter on XX/XX/20 stating that they are only approving me for Forbearance for 90 days and they are reporting this to a credit report company. I found out that my mortgage is under XXXX XXXX. No one called me back to discuss any options at all and about repayment plan. I understand that under COVID-19 CARES act that my credit will not be effected and I need 180 days of Forbearance and might need additional 180 days. What can I do, please help and advise.

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 2016-01-19
Company: Nationwide Biweekly Administration, Inc.
State: AZ
Product: Other financial service
Sub-product: Debt settlement
Issue: Customer service/Customer relations

Complaint:
Nationwide bi-weekly administration has been sending me things in the mail for the last 2+ years advertising a program they have to pay off your home mortgage in 21 years instead of 30 by them taking half of your monthly payment out every 2 weeks and paying it to the bank so you make an extra payment every year. I agreed to this program and in exchange they charged me half of my first years extra payment as their fee. After a year my mortgage was transfered to a new lender and they said in order to set it up again they would have to charge me again. So reluctantly I paid them again approximately a year ago. I received a phone call yesterday from the company that has my home loan, XXXX, stating that they have n't received a payment since XXXX XXXX and that I now have a late fee on my account. I immediately called nationwide bi-weekly administration to discuss the issue. They informed me that they are having issues with banks and that they are no longer able to withdraw money to make the payments for their customers. I said that 's fine, refund me the money I 'll do it myself ( I learned I can do it through my bank for free with no hassle at all ) to which the supervisor I was speaking to responded " it is our business policy that we will not refund the initial set up fee I 'm sorry '' I said that 's fine, but we both entered into a contract correct? I 'm fine paying that fee as long as you guys do your part of taking care of my mortgage parents. Of which you are not completing. So in turn voids the contract since the goods/services that I am paying for are not being completed. All she continued to say was " I 'm sorry but it is our business policy to not refund the initial fee ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: Aldous & Associates, PLLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a debit collection notice from Aldous & Associates, XXXX XXXX, XXXX, UT, XXXX, for a balance of {$190.00} ( account # XXXX ) on behalf of XXXX XXXX XXXX, a fitness gym, located in XXXX XXXX XXXX, Florida. The debt collection letter claims I defaulted on an installment contract with the Company. I was formerly a client of XXXX XXXX XXXX with no installment contract who paid on a month-to-month basis. I discontinued visiting XXXX XXXX XXXX several months ago, so I was surprised to receive a debt collection letter for a debt that I do not owe. I contacted Aldous & Associates by telephone on or about XXXX XXXX, 2016, and attempted to explain that I was pay-as-you-go customer of XXXX XXXX XXXX that did not have a contract, but the representative became hostile and verbally abusive and kept yelling and screaming that I owed them money with or without a contract with the fitness center. I informed the representative that I did not owe the debt and hung up.

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