BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-13
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: Their investigation did not fix an error on your report

Complaint:
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account : XXXX closure date : XX/XX/XXXX balance update : XX/XX/XXXX. Past due balance listed : Date of last payment XX/XX/XXXX at {$17000.00}. 
Showing on my credit report as closed amount of {$2600.00}. I disputed on my credit reports and would like help removing as it is five years statute of limitations with a car loan. This is preventing me from getting future credit and negatively affecting my daily life.

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 2017-08-28
Company: EQUIFAX, INC.
State: NM
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:
Equifax, XXXX and XXXX XXXX are not responding to any of my numerous requests to investigate, verify and remove accounts from my credit reports/files that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act. XXXX XXXX Accout # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-09-13
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account : XXXX closure date : XX/XX/XXXX balance update : XX/XX/XXXX. Past due balance listed : Date of last payment XX/XX/XXXX at {$17000.00}. 
Showing on my credit report as closed amount of {$2600.00}. I disputed on my credit reports and would like help removing as it is five years statute of limitations with a car loan. This is preventing me from getting future credit and negatively affecting my daily life.

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: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been a quality mortgage borrower for close to 2 years. I have never missed a payment and have good credit. My mortgage was transferred from XXXX to NEWREZ. I received a letter saying my automatic monthly payment ( ACH ) would be automatically transferred over as well. I called NEWREZ to confirm this and the lady said that everything was set there was no issues. My mortgage has always been automatically deducted on the XXXX of each month. On the XXXX of XXXX, the first month money would need to go to NEWREZ, I got a call from my bank that I was over drafted. I called and found out NEWREZ had taken the payment out on the first rather than the XXXX. As a reminder I had called in advance and their representative had told me thats not what would happen. I called them immediately and they told me they would transfe the money put back into my account within 24-48 hours. I called the next day to make sure it was being done as I had already suffered multiple overdraft notices and fee 's. This was a Friday. The representative assured me the problem had been elevated to a supervisor and was being expedited. The rep even recited back my bank and referenced the account number it was to be transferred. On Monday after calling my bank I discovered the money still had not been returned and it was not scheduled to returned. I called NEWREZ again! When I got ahold of a rep they said that they MAILED me a check. I told her that this was not acceptable. The money was electronically transferred out and I wanted transferred back in immediately as I was overdrawn and suffering fee 's because of their mistake. The rep said he would speak to his supervisor. When he came back he said that his supervisor told him that because of Covid automatic transfers were slower than mailing a check. That is ridiculous. There is no comparison. An ACH transfer is instant. I called back and asked to speak to a supervisor. I told her that my money was transferred out electronically and could be returned in the same way immediately. She said it could not be done as there would be a month or two delay that way!!!!! She was uncaring, smug and offered no option other than waiting for a check. I asked to speak to her supervisor. I was told it would be 24-48 hours before I could speak to her. It has been 48 hours. I continue to suffer overdraft fee 's. I was lied to and they refuse to promptly return my money. There should be repercussions for this. I have already contacted my bank about moving my mortgage, but this company needs to be held accountable!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: Lustig, Glaser & Wilson, P.C.
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a copy of my credit report and it showed a Public record on it when I followed up on it I found out that this is not my debt and it now its on my credit reports. When i contacted the  XXXX   XXXX   XXXX  of  XXXX   XXXX   XXXX   XXXX   XXXX , all he said was that he does not report to credit bureaus so there was nothing he could do. He filed this suit with the wrong social security number and now i have to pay the consequences on something that is not mine. He should contact the court that he filed this in an either withdraw or amend this. I want this off my credit reports.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: PLANET HOME LENDING, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
My current mortgage is with Planet Home Lending ; for several months I have been attempting to get an IRRRL as I am struggling with my current mortgage payment and before it was due to increase, I wanted the refi to close. I had to borrow from my 401K as I was not current and was told had to be current to move forward and once I was current and they were processing, I would not have a payment for 2 months. I did so, on the XXXX of last month, they told me they couldn't close and now i had to pay that month and in two days the current month - again, I was struggling with the existing payment, my husband abandon me a year ago providing no support, and had to come up with {$2000.00}. Now i am 3 month behind, can not process a refi, can not borrow and they will not help me until i am current. I do not want to lose my home, i just want to refi for my payment to be more manageable for me alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AE
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XX/XX/2022

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 2020-06-21
Company: WELLS FARGO & COMPANY
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Wells Fargo Everyday Checking account on XX/XX/2020 through a promotional offer by Wells Fargo. the promotion said Wells Fargo is offering a bonus of {$400.00} when you open a new checking account and complete the following requirements : Set up a direct deposit and receive a cumulative total of {$4000.00} in qualifying direct deposits over the course of the first 3 months. I met all these requirements in the first 3 month. however Wells Fargo closed my account on XX/XX/XXXX without any warning and refused to pay {$400.00} bonus. I called my local wells fargo branch and wells fargo customer service ( XXXX ), however they still refused to pay {$400.00} bonus although they confirmed I met all requirements.

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 2022-08-04
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXXXXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXX Account # XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX, XXXX Account # 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.

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 2017-06-13
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I contacted Target twice at this point and I supplied Target with the FTC report and a local police report as supporting documentation about the ID theft.   Target received the first letter on  XXXX / XXXX / 2017 , they did not update the account with the credit bureaus as disputed. They also did not respond to me personally at all. I spoke with a gentleman last week and again explained the situation, he agreed, Target had been made aware of the ID theft.   I just learned today, Target insists on continuing to report the account on my credit reports. It is my understanding, this is an illegal action on Target 's part. Target also continues to report back to the credit reporting agencies that the account has been verified. This is not possible. I did not open the account, how can they verify an account I did not open.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-29
Company: HCFS Healthcare Financial Services of TeamHealth
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
HRRG calls everyday, sometimes multiple times a day. On one occasion called, asked my name and hung up. They already sent correspondence through the mail. I'm not sure why they think I need to be harrassed.

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 2022-09-13
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:
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 account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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 account/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX Date Opened XX/XX/2016 Balance : {$400.00} According to FCRA XXXX XXXX ( 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
Consumer complaint received 2020-06-21
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The amount in which Transworld collections was trying to collect was part of of a workmancomp injury claim that XXXX XXXX should have waited untill XXXX finish their claims adjustments. I kept telling XXXX and Transworld that i wasnt leaible for XXXX claims. Finally after 1 year of paying onother XXXX 's accounts related to the account. After i had proved that the railroad claims weren't my responible they adjusted the acount. I ask for my acount to be removed from my collections report they refuse to cooperate. All accounts with Transworld are pd in full. The strange thing about this .The other 2 bureaus XXXX  . And XXXX  removed transworld accounts XXXX  didn't. What should i do to get XXXX  to remove this pd negative collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2017-06-13
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Collection Agency   XXXX ,  XXXX   XXXX   XXXX  representing themselves as LAW OFFICES representing BARCLAYS BANK DELAWARE. Creditor Claims they could not locate me. I have lived here for 10 years. This bill was paid off in  XXXX   XXXX . The company had previously changed names from  XXXX  to Barclays. I have bank statements showing final payment of {$200.00} in  XXXX  of  XXXX . No other bills were received after that date because the account was closed at my request in  XXXX  of  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 2017-06-13
Company: Mission Financial Services Corporation
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Mission Financial keeps upd ating my credit report with different new amounts from what the debt actually is and the last balance that was due to them in     XXXX  w as {$2100.00} now it has impacted my credit report that this company keeps updating these ridiculous amounts and they keep updating with  XXXX  accounts on my credit file and I tried disputing this   XXXX   times with the credit bureaus (  XXXX   &  XXXX  ) a nd to no avail has anything changed so I am attaching what they are reporting twice on both credit bureaus and also this debt is ove r 7 years old a nd I can not understand why do they keep updating my credit profile and changing the amount due. I have attached and updated reports of this action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
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:
I have an account on www.coinbase.com where I trade with money and criptocurrencies. 

When creating the account, they verify my identity and I have been working without problems up to now. 

For about XXXX weeks, they have blocked my account because, according to them : " Right now your account is being reviewed and we need some time to verify your information. During this review, you will not be able to use Coinbase. Reviews usually take a few days. '' I have contacted them through their email support and they tell me to upload my identity documentation again and enter my personal data. I have uploaded it multiple times, both my driver 's license and my government identification card. 

They have closed the case but have not unlocked my account, so my account is blocked since it is always under review, so XXXX cant work with the platform and have my money blocked ( XXXX ). 

Coinbase case # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: Experian Information Solutions Inc.
State: TN
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:
ACCORDING TO THE FCRA THESE UNAUTHORIZED INQUIRIES NEED TO BE REMOVED. KNOWINGLY LYING, MAKING FALSE STATEMENTS OR CONCEALING VITAL, SIGNFICANT AND PERTINENT INFORMATION, DATA AND/OR BOOK ENTRIES CAN, XXXX AND WILL IMPLY THAT YOU ADMIT YOU ARE SECRETLY ENGAGING IN THE PRACTICE OF SCAMMING PEOPLE, EXTORTING PEOPLE, AND DECEIVING THE PEOPLE AND YOU ADMIT THAT THIS IS TRUE AND CORRECT IF YOU DO NOT HONOR THE REQUEST

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 2017-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
TRANS UNION I S USEDING THIRD PARTY COMPANIES TO OBTAIN INFORMATION ON MY CREDIT REPORT WHICH IS A VIOLATIONS OF FCR A I MAY BE  ABLE TO SUE IN STATE OR FEDERAL COURT #  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 2022-09-13
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:
This is the several times I've complained about being a victim of identity theft. The 3 Credit Bureaus must remove any items 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 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 explanation