BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Transunion Complaint # XXXX response on XX/XX/2019 has errors in which balance not updated as well as incomplete pages sent by them the last 2 times. I need a complete report with all the pages. I did not ask for a credit score I ask for a complete credit file. In the past Transunion adds address or has wrong incomplete employment information. I have been threw Transunion time after time as employment ion which has been the same for several years. I also have issues how Transunion adds address I do not live at or can they provide proof to where I live. I need a complete report with all the pages. Stop playing games sending few pages. Promotional I block and your still doing it. As to your response on XXXX2019 is  base on missing pages

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 2018-06-09
Company: Experian Information Solutions Inc.
State: WA
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:
I had a mortgage with XXXX XXXX XXXX undergoing a modification and missed a number of payments. The mortgage was purchased by nationstar/mrcooper and successfully modified. The status is currently good/pays as agreed. XXXX XXXX persists in reporting this mortgages current status as delinquent when it is not, and hasn't been for years. I have disputed this with the credit reporting agencies with no success.

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 2022-03-13
Company: Rocket Mortgage, LLC
State: IL
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 Friday, XX/XX/2022 I Spoke with a representative by the name of XXXX who is a representative of Rocket Mortgage. XXXX refuses to remove the two delinquent payment status that is currently reporting to my consumer report. I explained to XXXX thoroughly that I encountered these two late payments during the Pandemic of " Covid 19 '' and that this status should be marked as " Current '' during this unprecedented time. XXXX states that Rocket Mortgage is unaware of the " Cares Act ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: Coinbase, Inc.
State: IL
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 opened an account with Coinbase almost a year ago with {$10000.00}. I invested it all in XXXX. I have almost XXXX shares worth approx {$55000.00}. My company has sold and thus my email address is not longer in service. I can not verify my coinbase account any longer. I emailed coinbase 3 weeks ago to advise them of the problem. They advised in email to open a new account with a new email address, get verified and let them know when done and they will transfer everything from my old account into my new account. I have done all of that and did email them multiple times with no response. I am in need of assistance in gaining access to my account again. Once I do, I will transfer it to a much more reputable company. 

Thank you very much for your assistance. 

Regards, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2017-06-20
Company: Nelson Cruz & Associates LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX/XXXX/XXXX, I received a physical letter, dated XXXX/XXXX/XXXX, via USPS notifying me that I owe {$990.00} to " Nelson, Cruz & Associates '' for an outstanding balance unpaid to " XXXX XXXX XXXX ''. They requested I remit the total balance owed via a bank wire to XXXX XXXX XXXX or by check to " XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX ''. I spoke to XXXX XXXX and someone named XXXX from Nelson, Cruz and Associates. XXXX claimed the original debt dated XXXX/XXXX/XXXX was sold to them in XXXX by XXXX and then mentioned it was somehow related to a XXXX through XXXX XXXX. He also refused to give me any contact information for XXXX. After this refusal, he mentioned I could clear my debt today by paying only {$500.00} as a settlement and then asked if I would commit to paying it today. This was very suspicious to me, so I did my own internet search and contacted XXXX immediately and they had no record of my social, account or name. The XXXX rep informed me that they do NOT outsource their collections, but instead have a collections department in house and also mentioned it was strange that the XXXX account number was not referenced in the collection. XXXX recommended that I report this incident to the Credit Bureau, Attorney General and BBB, which I plan to do immediately. After much strife, I did another search for Nelson, Cruz and associates and it appears I am not the first they have attempted to scam. I am attaching the scam letter from Nelson, Cruz & Associates to warn everyone to how bold these scammers have become. Apparently we have to beware of not only phone scams, but also mail scams.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: CHARLES SCHWAB CORPORATION, THE
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XXXX XXXX. The customer is a footnote. They have elevated process, no matter how dysfunctional and broken, to a worshipped idol status. 

Their automated " verification '' process is incredibly brittle and fragile, relying on external databases that are full of out of date information or have zero ability to deal with variants in normal language, ie XXXX XXXX rather than XXXX XXXX. Or XXXX XXXX rather than XXXX XXXX, XXXX and XXXX and so on. They also claim my house, XXXX XXXX XXXX, does not exist due to some secret database or claims I have moved, again based on some opaque source. If you are in the military with a residence and stationed somewhere else for mailing, you are in for even bigger unpleasant experience with Schwab. 

Faced with this breakage, you then take time of work ( and lose income ) to jump through various artificial hoops, sending in documentation, only for it to immediately break again or get completely ignored without feedback. The default position of Schwab is breakage, the opposite of XXXX or XXXX that works by default. 

Naturally this murky " verification '' ( and random freezing ) is done without notice, and only gets discovered at the grocery checkout or restaurant to maximize humiliation. The posts on XXXX and XXXX are full of this experience, yet its management is asleep at the wheel and has no idea how dysfunctional they are, and apparently its stockholders are also in the dark about how poorly the company is run. 

The process, when triggered, that is constant, auto freezes accounts without notice. To get money out becomes artificially impossible, or requires a {$25.00} wire transfer fee and waiting around to see if and when they might get around to doing it ( cue manual forms and more breakage ).

Schwab have eliminated options except claim a tax loss for casualty loss ( funds stolen by Schwab ) or start a lawsuit to recover what they have slyly expropriated. My feeling is they are doing this to systemically over their customer base to get effectively free deposits and a " float '' or this is a case of the process tail wagging the core functionality dog. No doubt they have scripted justifications, though never explaining why they are so bad compared to reputable banks. 

The end result is a huge drain of time on hold and jumping through hoops as a result of their process that cynically transfers all the risk and lost time and income onto the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: EQUIFAX, 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:
Equifax failed to investigate the inaccurate information on my credit file. I sent them prove that I was never late on those account and they still dont want to remove the inaccurate accounts on my file. I have been disputing those information since 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: EQUIFAX, INC.
State: GA
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:
The following information is being reported by XXXX XXXX XXXX XXXX, Equifax, XXXX, and XXXX. 
As of XX/XX/XXXX, there has been no activity. Despite being charged off, this company continues to make bad faith and erroneous reporting of this account to lower my credit score every month. Latest reporting XX/XX/XXXX. In light of this malicious activity, I have been unable to obtain housing in accordance with the Fair Housing Act because of the hardship resulting from it. 

I am looking for an immediate remedy and sanctions against this company and XXXX XXXX XXXX XXXX XXXX for violation of The Fair Credit Reporting Act 609/623/611. 

XXXX XXXX XXXX XXXX Equifax Account # : XXXX Account Type : Revolving Account Type - Detail : Credit XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$600.00} No. of Months ( terms ) : 0 0 0 High Credit : {$640.00} Credit Limit : {$0.00} {$500.00} {$0.00} Past Due : {$600.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Charged off as bad debt Account closed by consumer Credit line closed - consumer request - reported by subscriber. 
Unpaid balance reported as a loss by the credit grantor. 
Account closed at consumer 's request Charged off account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: EQUIFAX, 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:
Equifax, Please review the attached documents for reference regarding my dispute with XXXX XXXX. I have attempted to send in these documents several times and can not upload them online directly with XXXX. 

On Thursday I was advised by customer service rep by the name of XXXX that you have stated the reason code for my dispute under inaccurate. Please review the documentation that is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo denied my request for modification in XXXX claiming I had exceeded my limit which I explained was untrue. I ended up filing Ch. XXXX because of their unwillingness to help. After filing for Ch. XXXX, in XXXX per my attorney 's instruction, I submitted another request for modification which was then approved but due to some communication breach between my attorney and Wells Fargo, the  modification began with a 3 month delinquency already on the account. My current XXXX request for modification was denied on the grounds that I have exceeded my limit, the same excuse given me in XXXX and that the previous modification was delinquent even though it was that way prior to my signing modification paperwork. I 'm not asking for an adjustment in payment, only for assistance with the arrearage which has bloomed due to a combination of fraudulent practices during the last modification, personal financial hardship, Wells Fargo 's refusal to accept payments from me and demanding all arrearage instead and many attorney fees added by Wells Fargo.

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 2017-06-20
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: Credit inquiries on your report that you don't recognize

Complaint:
I recently pulled my credit report and found a lot of information that was incorrect. I called each credit bureau, some things they helped with and some they did not. They advised me to contact the companies about the unauthorized inquiries. I called them, and they had no record of me on file applying for anything. I also sent letters to each bureau regarding this matter, and have gotten no response. At the time some of these inquiries were made, there was a fraud alert currently active on my credit file. I have included the pages from my credit report I received from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: EQUIFAX, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Multiple times over the passed few weeks my Key Bank account has been " reportedly '' overdrawn even though I 've had the money in my account. Today is the third instance of this action happening. As of XXXX XXXX the night of the XXXX XXXX XXXX 2017, my account balance was {$10.00}. I made a cash deposit of {$200.00}, bringing my balance to {$210.00}. I immediately withdrew {$60.00} cash which would take my balance down to {$150.00}. I had a check coming out the next day for {$120.00}, which would take my balance to {$120.00}. Now mind that after making my cash deposit I had more than enough in there to cover the check which had n't yet hit my account. My account balance is now $ XXXX because Key Banks money stealing practices try to make it look as if the deposit happened after the check had already hit my account. I have account balances and statements proving tothe money was in my account before the check was there. They charged me a {$39.00} overdraft fee and for no reason and they 've done it to me multiple times over the passed few weeks. Please help to stop this fraud operation they are conducting at Key.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: EQUIFAX, INC.
State: NJ
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:
ATTN XXXX Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
OCWEN LOAN IS ATTEMPTING TO FORECLOSURE ON a property that i am the administrator of the Estate.They are using a assignment that is robo signed and fraudulent. I mailed a QWR and they have not responded. the assignment was created after the cut off date of the trust in the pooling and services agreement. listed with the United States Securities

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
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: Credit inquiries on your report that you don't recognize

Complaint:
I ran my credit at the dealership and I was promised that XXXX was the only company that wouls run my credit but im seeing otherwise and i want it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Dear Sir or Ma'am, I am reaching out to file a complaint about PayPal. My funds are being held at {$3400.00}. I have utilized the chat options via the app on several occasions with no success. No one has responded. I called the PayPal credit card line to reach an actual person. Upon this action, I was held for over an hour, an agent finally answered only to disconnect the call after I provided the tracking information provided by the buyer. PayPal has received its fee of {$700.00} yet my funds remain on hold even after the buyer updated the shipping information via the PayPal app. My funds should not have to be held as the buyer has been in communication with PayPal reporting no issues. I have recorded phone call conversations as well as photos for documentation of all my many attempts to speak to an agent for a resolution.

Company response to consumer: Closed with non-monetary relief