BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
The identity questions caused me to be unable to access my credit report online. 
1. They asked for a previous phone number. I have had the current number for well over 10 years, so I could not remember a previous number I did or did not have. 
2. They asked for what year my XXXX was. They had XXXX and XXXX listed, so I picked the most recent since I had both years at XXXX time. 
3. They asked for business/employers I was associated with, I was unfamiliar with any of them, so possibly the company had a name I was unfamiliar with. 
Because they could not " verify '' my identity I was shut out of their system. To order by phone will take weeks to receive and I know their are some items that are duplicates and incorrect which I need to fix because it is impacting my credit score. 
Every year I have problems with Trans Union, either with getting my report, correcting it or disputing an item. They deliberately make these processes difficult and ask questions nearly impossible to know answers to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-03
Company: Coinbase, Inc.
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Coinbase unexpectedly sold XXXX dollars worth of my XXXX without notice or warning. The money is no where to be found and the support team has not resolved my case and it's been almost a 3 weeks. I did not authorized a sell transaction and there was no confirmation that this happened. Simply the funds are gone and I have no access to them. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I went to the dealership XXXX XXXX 2016 to get my radio repaired. While in the waiting area I spoke to a sales rep about wanting to get a GT model in the future. Next thing I know I get an alert from XXXX saying I authorized a inquiry. I walked to counter and asked him if he was running my credit because I just got an alert. He assured me that he was taking a peak. I never authorized him to run my credit and I have contacted them directly and they have not responded and it has been over 30 days. I already had my credit ran multiple times in XXXX, why would I approve to run it again, when I was just asking questions about a car, not buying another XXXX. This has been damaging to my credit and needs to be removed.

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 2016-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
This is to inform that credit card company XXXX XXXX XXXX reported 30-day late payment to credit bureau companies such as XXXX and Trans Union. I was in job movement from XXXX to XXXX and I forgot to pay small amount of {$40.00} or less on my credit card. I not only paid my dues but also a modest penaly of $ XXXX-XXXX. I do n't understand why XXXX is defaming me in my credit bureau reports since I have paid them penalty for late payment so they have no right to defame me or report bad for me. They can not penalise me monetary as well as social embarrassment.

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 2015-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is an account reported on my credit report by XXXX XXXX that I do not recognize. I have never received any statements from them for this account and it says it was " charged off or collection ''. Also, I have never received any letters from collection agencies for XXXX XXXX with this account number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX should not be showing up on my file as a serious delinquency. I was not even aware of this until my ex husband told me we owed this money and it was past due. This occurred after our divorce. He was held responsible for the amount as a result of our divorce decree. I do n't believe it is showing up on his file so why should it show up on mine. Please remove. It is unfair that I should be paying for his mistakes. Thanks, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Previous deleted items were added onto my credit report without prior written notification Per FRCA Section 611. All items must be removed. 
XXXX : XXXX/XXXX/16

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 2016-02-17
Company: Colony Brands, Inc.
State: NY
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
This catolog credit company has been giving me the run around about a credit line increase for the past 3 month.they Promise you an increase after 6 consevective on time payment and I have 8 but never come thru. I first requst one on XXXX/XXXX/2015 and never recieved and it been back forth ever since with differnt story everytime I call, all I want is yes or no. They did make an inguiry to tranunion credit reporting XXXX/XXXX/2015. But still no concrete answer from them, I have XXXX other catolog credit card that affiat with them and all have on time payment. XXXX of them did give me a credit line increase, Ginny and Midnight Velvet.please help me out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Foreclosed on by boa after loan modification was given which raised our payment $ XXXX. We properly filed paperwork which detailed multiple medical issues with my wife who had 2 different XXXX & treatments over a 17 year period. I have documented proof of securitization9bana, cig, hfi,1ST LIENS , GOV REW ) & multiple sales afterward. We tried for many years to talk to boa but were consistently told different answers, transferred to other depts., disconnected, told boa did not receive docs, etc., etc., I eventually hirde an attorney who was also given similar treatment ( XXXX ) until we ran out of time & money, just like millions of other American families! so sad!!! It all started with our original mortgage with countrywide, which began this fraudulent nightmare. I have a lot of documentation to support this illegal foreclosure & hope you have the integrity & honesty to assist this American consumer who could have easily been you or someone in your family! 
.

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 2015-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Bank is unable to retrieve transfer that was done to a fraud account of fraud person for fake sale. Hello, I got many calls from this fraud company mentioning good deals about flights I was looking for. They sent me confirmation and tickets for flights I verified with airlines and they were booked for real. After a MONTH the tickets got cancelled and I never got refund. XXXX says someone cancelled it and it was fraud and used invalid card and details.They are trying to investigate as well, as they think its a fake travel agency. I transferred money via bank of America to consultants bank of America account, Now no one is answering calls nor responding to email. I tried requesting Bank to see if they can hold the account and retrieve the money back. I filed police complaint as well. Bank says that they can only REQUEST recipient to transfer back the amount, how can they allow fake accounts to be opened and operate, and how can they now file a case against the fraud and help me getting refund. Please help!! XXXX of my friends paid this fraud person as well in different bank account, XXXX bank and XXXX, and their tickets are now cancelled and no refund! I am filing a Police case as well - not sure if we can sort this out. XXXX of our friend paid to XXXX of the accounts of this company as well. No updates from anywhere so far. I lost {$1400.00} with this fraud. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: Netspend Corporation
State: NY
Product: Prepaid card
Sub-product: General purpose card
Issue: Advertising, marketing or disclosures

Complaint:
I recently received a Brinks Money Debit MasterCard ( dba Skylight Financial Inc in XXXX, TX ) which I most certainly did not request. I check my credit score/inquiries regularly, and I 'm confident this is n't real or a result of a scam. I think it 's just a very well-divised, thorough marketing scheme. But it 's really quite alarming. 

The card had my correct name, a card number, master card logo, an expiration date and CVC 3-digit number on back. The letter attached had an account number, a routing number, was sent to my home address. I received a terms of agreement pamphlet, and skylight/us bank checks. 

Now I 'm having to go through the trouble of making sure that a. ) this has n't been identity theft ; b. ) none of this gets activated ; c. ) all the materials are thoroughly destroyed to ensure no future identity theft, etc. 

It 's just a XXXX, and if I were elderly or perhaps less tech-savvy, this would have caused a great deal of concern. This seems like really poor business practice. To essentially sign me up, put my name on something that I never requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09
Company: Performant Financial Corporation
State: WI
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Had {$4700.00} taken from my Federal Tax Return, courtesy of the Dept. of Education. When my husband and I tried calling the collection agency to find out if there was any remaining balance, we get transferred from one extension to another, then get hung up on. We are just trying to figure out if we owe any more money so we can get this taken care of. We have not received any communication from anyone except the I.R.S. We have been trying to talk to someone for 2 weeks now and have made no headway. How can someone take my Tax Return and then turn around and hang up on me? This was a student loan that I had long before we were married, and unfortunately went into default. Now we 're stuck losing almost our entire return and with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: Netspend Corporation
State: CT
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
On XX/XX/XXXX I used my XXXX Prepaid XXXX to rent a car from XXXX XXXX XXXX in XXXX, XXXX XXXX. On that day, a pending transaction in the amount of {$960.00} was put on my card without any warning. The car was returned the next day and payment was deducted from the same card. 

I have spoken twice with XXXX Prepaid, and they requested that documentation supporting the release of the transaction be sent to XXXXXXXXXXXX. 

XXXX has sent the requested documentation yet I received word today that the documentation was unacceptable. XXXX has said that it has done all it can and that it is now down to me to resolve this issue with PayPal/Netspend. 

I am a retired XXXX trying to live in XXXX XXXX on a fixed income. As of this morning I have a little over {$11.00} for groceries to last until I receive my next social security payment on XX/XX/XXXX. Having nearly {$1000.00} held back from me for two weeks is a nightmare.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16
Company: Coastal Financial Solutions, LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Numbers from XXXX and XXXX continue to call people around me, but not me directly, stating legal action and that I would be arrested if I did not call them. They continue to call my ex girl friends father on a repeated basis as well as my sister mother in law in which they call her by he maiden name.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have requested that the wrong addresses that do not belong to me be removed from my credit report. I have sent letters and go no resolve on the following dates this year : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX and Transunion has not complied with my request I demand these addresses that do not belong to me be removed immediately. 

XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX Experian : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX Transunion : XXXX. XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, TN 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 2015-11-07
Company: Netspend Corporation
State: TN
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
I begin receiving text messages on XXXX/XXXX/15 from a Company call NetSpend. The first message said reply yes to enroll, thought I was deleting but hit reply button, but did not send I closed the message. Then I immediately begin receiving messages from them saying my card ending in XXXX is activated. The next XXXX message starting saying how much was available after a purchase at XXXX I received XXXX messages like this. I looked up NetSpend 's phone number on the internet, the person I spoke to said it was a prepaid card. She said these cards can be purchased at XXXX XXXX, XXXX, etc. I advised her I did not purchase their card and that this is Fraud. She advised that I text the number XXXX and send a message with the word STOP, which I did. I believe this company is committing fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22
Company: Association Capital Resources, LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I had an hoa payment due to my association I 've made several attempts to pay it but each time was directed in the wrong direction then they advised me they sent it to collection the collections company sent a letter XXXX month ago with no numbers to contact them got a letter yesterday and decided to go on a search for their number found it and the told me the amount I owe now is over double what I actually owed in the first place I do n't think those fees are fair considering it 's only been in collection XXXX months and they would n't work with me can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: Allgate Financial, LLC
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I already have a case # XXXX, in their reply they said the debt had been sold. I have been trying to contact Equable Ascent Financial LLC to see why if the debt was sold is there a court date with Equable Ascent Financial LLC. I can not get ahold of anyone, the phone number I find online has been disconnected. I would like to speak with a representative from Equable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My mother passed away unexpectantly on XXXX XXXX. She had a checking and a savings account with Huntington Bank. My grandfather ( her father ) went to the bank and informed them of her passing. He was told that she did not have a beneficiary listed, and therefore they could not tell him any info regarding her accounts. I opened an estate, and was appointed commissioner. The judge issued a certified copy of the order to release the funds to me so that I could reimburse my grandparents for the funeral. The order stated the funds could not exceed {$1000.00}, which we knew she did not have more than that. I took the order with a copy of the death certificate to the bank in the XXXX XXXX XXXX ( XXXX, OH. ) and dealt with " manager '' XXXX. First of all, she admitted she had no idea how to handle this situation. I feel someone in a " higher up '' position should be familiar with dealing with these situations. People die every day. Anyway, she called someone and sent over the paperwork. She was told at that time that I needed the original death certificate, which my attorney says is actually untrue. But I digress- Saturday I went back with the original certificate and my order again. This time, she says she spoke with the " supervisor of the legal dept. '' and was told that they needed to confirm the amount with the courts before releasing the funds. Now, this order specified that the funds should not exceed {$1000.00} and that the purpose of the funds were to reimburse for funeral expenses. Honestly, I would love to know how a funeral could cost less than {$1000.00}, and why it was necessary to make me wait again. This " supervisor '' of LEGAL should have been able to look at this order and recognize what it was, and the funds should have been released way before all of this run around. In the meantime, funds were withdrawn, and my grandparents lost out on over {$200.00} because no one ever put a hold on the account, even after being notified of her passing. The gentleman that did finally help me Tuesday evening was wonderful. I wish I remembered his name. He was sympathetic, professional, and could not understand why I was given such a hard time. This was all over {$640.00}. It was ridiculous and disappointing that this bank ( which is my bank as well ) could not help someone in a very needy time. My attorney had to send a subpoena, and all of this could have easily been avoided had the employees been educated on what they were supposed to do, and what an order from the court looks like.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-30
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have recently checked my consumer credit report, I have contact the credit bureaus, I was instructed to contact you regarding these hard inquires made on consumer report WITHOUT my expressed written or verbal consent. 

DATE : XXXX/XXXX/2015 Entry/Inquirer : HNB Small Business B

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I ordered Matts for my car. When received they were wrong ones. I contacted the merchant ( XXXXXXXX XXXX ) they agreed to send me a new set. But nothing was sent from them. Called them emails them and they started to ignore my requests. I went to my CC and disputed the charges. I also sent pix of the product and emails to and from seller. 
Chase Sapphire CC entered my dispute as never received products which is not what I have complaint. They decided to close my dispute and told me its too late now for them to go back to seller. Not fair. 

When I call chase sapphire CC it always goes to a different country and I am sorry but I cant really understand those customer reps. Which makes sense why my dispute was entered wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: Netspend Corporation
State: MS
Product: Prepaid card
Sub-product: Payroll card
Issue: Advertising, marketing or disclosures

Complaint:
I recently received a card in the mail from NetSpend stating that I could receive my paycheck two days sooner if I chose their card and paid a {$9.00} monthly fee for their premium service plan. I am not certain how they got my information or why they would send the offer to me. However, because I live in a relatively low income neighborhood, I fear that NetSpend is preying upon individuals who lack transportation to banks and/or the financial savvy to recognize predatory lenders/finance companies. I was instructed by a member of the XXXX to bring this issue to the attention of the CFPB.

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