BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX {$610.00} XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX  XXXX {$510.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$78.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$820.00} XXXX  XXXX {$630.00} XXXX   XXXX {$500.00} XXXX XXXX {$650.00}

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 2016-12-17
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
Mortgage company is not releasing escrow surplus refund afterhome has been sold for over 60 days.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX/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 2022-05-17
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:
On XX/XX/XXXX I submitted a complaint to Transunion This complaint requested the investigation and removal of 2 bankruptcies that are incorrectly and unlawfully showing on my credit profile with this company. 

Bankruptcy XX/XX/XXXX Ref # XXXX Bankruptcy XX/XX/XXXX XXXX The bankruptcy information was unlawfully verified thru a third party named Lundquist Consulting , Inc. ( LCI , Inc. ) All accounts and public information should be verified with the source according to the FCRA. In this case it shuld have been verified through the XXXX XXXX XXXX Texas  Bankruptcy court. The XXXX XXXX  of Texas Bankruptcy court has a standing policy that they do not verify any public information to anyone that request. Therefore these public records should be deleted because they can't be verified. 

Due to the fact that Transunion has used Lundquist Consulting , Inc. to verify information in my credit profile I contacted LCI , Inc. to dispute the information with LCI. LCI informed me that they aren't a credit reporting agency and aren't subject to the rules of the FCRA. If you report any information about any consumers Credit Information this subjects you to the rules of the FCRA. Transunion and FCI , Inc. appears to have colluded together to make sure that consumers do not have the means as required by the FCRA to dispute public record information. 

This collusion between these two corporations has caused myself and my family irrecoverable 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 non-monetary relief
Consumer complaint received 2015-04-23
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Contacted me on XXXX/XXXX/14 via and did not inform me that it was an attempt to collect a debt with threats to garnish my wage. I have been making payments on a monthly basis since XXXX 2014 to current in a timely manner and they have not reported payment history to credit agencies. I have been charged interest in addition to the original debt owed. Since the year started I have been weekly letter from the company as a reminder to make payment by the XXXX of the month and just made a payment the week prior. My monthly payments have been paid in a timely manner via online account through the debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: EQUIFAX, INC.
State: NJ
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 Convergent : XXXX  XXXX XXXX  NA, Account XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX, Account XXXXXXXX XXXX  Account XXXX XXXX XXXX, Account XXXX XXXX XXXX, Account XXXX Has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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  : XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX, Account XXXX XXXX XXXX, Account XXXX XXXX XXXX, Account XXXX Has violated my

rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17
Company: Rocket Mortgage, LLC
State: NM
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for and got a home equity loan with XXXX XXXX on my house in XXXX. Interest rate 3 %. I rec 'd {$25000.00}. home equity loan, 25 % of {$80000.00}. I have an addition being built but XXXX said the appraisal would just apply to the existing structure and simply exclude the new/unfinished addition. Appraisal came in at {$26000.00}. 

At the same time, because XXXX seemed slow, I started talking to Rocket Mortgage. They said they couldn't take a loan out because I had an new/unfinished addition. 

Forward to the present. I got an email from Rocket Mortgage saying I could get a loan for {$20000.00}. In the process of inquiring about this I was offered a cash out loan of 80 % of equity ; {$4000.00}. Now Rocket said the addition didn't matter. The appraisal would cover total value including the unfinished addition. 

I spoke with XXXX about this and they seemed interested in a competitive loan proposal. I said no I was too deep in with Rocket and it wouldn't make that much difference. 

Rockets appraisal came in at {$260000.00}. - same as XXXX 's 6- 7 months ago. I closed yesterday on this loan at 4.875 %. New/unfinished addition still not finished My question is this : Why wasn't I offered this cash out option by either of these companies back in XXXX of 2021 when interest rates were at 3 %? The condition of the addition and house had/has not changed, just the way they addressed it. Does willingness to lend have something to do with interest rates? 

Why do I feel these options should have been offered when rates were at 3 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: EQUIFAX, INC.
State: LA
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 XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Been a Coinbase customer since XXXX. 
Discovered that my account was frozen on the XXXX of XX/XX/XXXX. Without any notice ( This to me is a breach of their user agreement ). 
Unable to withdraw or make transactions. 
Open sell orders that were priced around below 50 % above the market price were cancelled. The rest were kept intact. 
A textbox in my profile states that the account is flagged for manual review. 
Sent an email to support asking for clarification for the suspension on the same day. 
Sent a second email on the XXXX of XXXX to ask how long it takes to review. 
Created an internal complaint on the same day. 
Sent a reminder email on the XXXX of XXXX. 
No response thus far. 

Many other users are experiencing the same problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18
Company: Kimball, Tirey & St. John LLP
State: CA
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:
Company requesting payment for debt that was never owed, for rent of a property that was never leased. Despite it being a case of mistaken identity ( letters addressed to person with different name and of the opposite gender ), company keeps making contact. 

Receiver of debt collection request was not living in-state at time purported debt was accrued.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Experian Information Solutions Inc.
State: LA
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 XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-05-17
Company: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My name is XXXX XXXX & earlier this year in XX/XX/2022 someone walked in a few branches in Arizona and withdrew almost XXXX from my US BANK checking account. I reported this fraud immediately and sent in everything the bank asked for. I sent in all my documents, State ID, police report. I mean I literally did everything I was asked to do. XX/XX/XXXX I call in to the fraud liaison department and I was told that my claim was approved and that there was XXXX in my savings account. Then the next day my account was frozen and the claim was reversed. I waited 3 long months to get my money back from this bank just for them to basically tease me with my OWN money. On top of that they sent me mail with my ENTIRE debit card number where my name should be addressed which I will include in a screenshot with this text. Why this bank refuses to protect me even when sending me mail is literally beyond me. I am on the verge of filing a lawsuit with US Bank if they cant get this one right. The mail carrier is probably so confused because shes delivering mail with a XXXX digit credit card number to my mailbox instead of my first and last name. Ive never been treated so unfairly by a bank and to let someone walk in 6 branches and withdraw my money just ices the cake for me. I need US BANK to make this right because at this point I feel as if Im being harassed with mail coming to my address addressed with my XXXX digit card number. I want my XXXX back. Why my claim was approved and then denied is crazy to me. By the way the piece of mail that the XXXX digit card number was on ; inside of it was my PIN number to my new debit card. This bank literally wants me to get robbed of my money again doing things like this. This is so hurtful.

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 2017-02-20
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I fell into default on my mortgage when I had to move for a new job and needed housing in a new city. I received a letter from my lender, DiTech, requesting that I contact them to discuss options. I have called five times now at times when they are open for business and each time am sent to the voice mail of a " XXXX. '' I left detailed messages each time along with my phone number and a request that she return my call. I submitted two different email complaints to the company about the non-responsiveness and my need to speak with someone immediately. They did not respond either. I believe that because I have mortgage insurance, they are intentionally avoiding me so that they can foreclose and collect the mortgage insurance and the proceeds from foreclosure. This is not right. They are required to offer me several options to avoid foreclosure but all of these are unavailable to me if they refuse to return my calls. Please help me with this as quickly as possible as the lender will foreclose very soon. The lender is DiTech Financial LLC at XXXX XXXX XXXX in XXXX XXXX, SD XXXX. Their telephone number is XXXX. 

Thank you, XXXX XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
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:
I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 
Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. 
I have never opened any of these accounts. Please review this and remove this as soon as possible. 
Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FCBA, FCRA, and other federal statutes.

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 2015-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Issue: Other

Complaint:
Capital One bank is sending credit card solicitations addressed to my father - who died more than 30 years ago. I called Capital One to ask where they were getting information. The person I spoke to did n't really have an answer. Sending credit card solicitations to a dead person sounds a ) shady, and b ) an open invitation to fraud ( both against my father 's good name and against the company ). How is Capital One getting information on my father? I 'd like this to stop, both for my father 's sake and for others, if they 're also getting these solicitations. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
It has become more apparent that Capital-one could not provide a cogent reason why i got the short end of the stick '' interns of XXXX on my credit card, This conclusion perhaps based on their response, and the conversation with " XXXX XXXX '' an incompetent CAPONE rep. who said in our earlier conversation that, the reason for APR hike is on my account primarily based on my credit worthiness, but after refuting this claim by pointing out to her that my credit scored " A '', that this information on my credit is available on CREDIT TRACKER '' which is being offered by CAPONE.. she then say their decision is proprietary.. 
This proves to me that the Company is a complete FRAUD, The reasoning behind this decission seems absurd, and its an insult in every level.. I think as a consumer, i have every reason to know why decisions that affects my credit card and my finances were being taken.. it appears the reason behind will always be a mystery ... this just another way of swindling and using deception to defraud consumers.. I 'm looking forward to an amicable and favorable resolution, and i wo n't hesitate to expose this company " CAPITAL-ONE on a social media '' to every consumers feeling the pinch in silence.. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Experian Information Solutions Inc.
State: CA
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 XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2016-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Other

Complaint:
I made a purchase on my card that I wanted to dispute and to block a merchant. The first time I called I had no problem and I had the rep note the conversation and the issue so when I called back I would not have a problem. The rep said that I had to call back because the charge was pending. When I called back I was transferred to XXXX reps put on hold for half an hour and drilled about who I was!!! It was a {$9.00} charge that I wanted to dispute and block any further charges. I was told that I needed to send it the information I could not " verbally '' tell her on the phone!!! First she said my address was n't coming up in the system ... ..I said that 's really strange and how are you going to send me my bill??? She became very rude talking over me and then she " somehow '' disconnected the phone line when I asked for her name?? I told her to cancel my card she told me she was not able to do that however she could block any further charges!!! LOL well that 's basically what I was telling her to do. Unqualified and Unprofessional and a waste of my time dealing with Untrained csr.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-27
Company: ECMC GROUP, INC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
ECMC became the servicer of my student loans after, I unfortunately defaulted on my loans, which I am not able to understand, as I did not XXXX, yet someone received monies for studies in did not complete. Initially, XXXX was the collection agency " servicing " the loan, but after I became eligible for the income based program through XXXX, XXXX removed the accounts from my credit reports, however ECMC refuses to remove the negative items, but showing a XXXX balnce, but still reporting negatively, even after I have asked them more than once to remove them. These items are affecting my life hugely in a very negatively profound manner

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