BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
Hello on XX/XX/2021 I mailed out a dispute letter to dispute incorrect information such as my old address, incorrect name, and phone number off my credit report. 

I included the following information in each letter including a copy of social security and a copy of my drivers license with my current address. 

On XX/XX/XXXX I received a letter back from Transunion stating that I had not provided my drivers license neither a copy of my social security. Which is false. I provided each documentation they stated they didn't receive. 

XXXX  also sent me a letter stating that I had not applied for credit recently, that I have not used credit in the past 10 years or have I lived in the u.s. and do not have a government issued social security card.

This report is false because I have credit history, I was born in the u.s. and I provided a copy of my social security card and drivers license. 

Also XXXX  credit bureau I have not heard anything from them in a month. 

I have provided all the documentation required and I stated that they remove my current reported billing address, phone number, any names that are incorrect. 

It has been well over 30 days.

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 2023-08-03
Company: Experian Information Solutions Inc.
State: NV
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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2017-05-05
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This is a follow up of my original complaint case #  XXXX   XXXX .  PNC  Bak has failed to provide me with and explanation why {$360.00} was taken out of my personal checking account ending in  XXXX  on  XXXX ,   XXXX    XXXX . They have failed to provide me with the complete investigation file which  PNC Bank  claims I have mishandled my personal checking account.     This request is specifically directed to a letter dated  XXXX   XXXX ,   XXXX   Ref. #  XXXX . In that lette r PNC Ban k used as a reason to deny my request for a credit card.   see reason #  XXXX  " Unsatisfactory handling of your relationsh ip ( s ) wit h us '' I have requested a detailed explanation of both issues 7 times, in writing, verbally over the phone and walking into branches. There are serious security issues with the {$360.00} ATM withdrawal of my account and I have a legal right to know what exactly happened. Further, if  PNC ban k is claiming I have mishandled my personal checking account, that claim has the potential to negatively impact my reputation.   I want the information i have requested and hoping  PNC ba nk will comply with federal and state laws that clearly state they MUST provide the information requested. Otherwise I will be forced to file civil claims and through that venue I will ascertain it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2018, I sent {$15000.00} USD to my USD wallet on Coinbase from my debit card. I have level 3 verification which allows I believe {$25000.00} in a deposit, so this is within my parameters. 

I should be able to trade immediately, but not be able to withdraw for 3-5 days, which was no problem. I received an email notification that day that my withdrawal time frame had changed to 14 days. I received a follow up email a couple minutes later stating that I could not withdraw for 30 days - both due to " suspicious activity ''. 

Since XX/XX/XXXX, I have called Coinbase numerous times and emailed them. The " suspicious '' activity is that I deposited more than I generally do, however the deposited amount is within my verification limits, so this should not be " suspicious. '' The next day, I realized my ability to buy had been frozen, so as of XX/XX/XXXX, I could not buy any coins with the {$15000.00} that had cleared from my bank and was now officially in my Coinbase account. 

After several calls and emails, I was told these issues would be resolved within 5-7 business days. To clarify, there were two issues - ( 1 ) my ability to withdraw was locked for 30 days, and ( 2 ) my ability to purchase had been frozen. When talking to customer service, they were confused as to why either issue was going on, especially purchasing, as once the funds hit Coinbase, I should be able to trade immediately. 

So now I had to wait 9 days ( 7 business days + a weekend ), while {$15000.00} ( my entire savings ) was locked for purchase AND withdrawal. 

On Friday XX/XX/2018, I received an email stating that my funds would not be able to be withdrawn until XX/XX/2018 ( over two months ). The purchasing issue still has not been addressed. 

I was also told that even though my money is in a USD wallet, the amount can fluctuate up and down based on the price of Bitcoin. So to summarize, my funds are locked for 2 months, I can not purchase, I can not withdraw, and my total amount can go up and down. I have no access to {$15000.00}. I am a student with hundreds of thousands in loans, and I saved up {$15000.00} to put on Coinbase and they have essentially stolen it for two months. This is fraudulent, illegal, and unacceptable. I demand the ability to withdraw immediately and will not bring my business back to Coinbase. 

I will also note that I deposited the money so I could purchase BTC when it dropped to {$6100.00}. The evening of my transfer, it dropped to {$6000.00}, and a few days later, it is now at {$6400.00}. Coinbase, on top of everything else, prevented me from making an {$800.00} profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting 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 TO THE FAIR CREDIT REPORTING ACT EVERYTHING HAS TO BE 100 % ACCURATE ON MY CREDIT REPORT AND UNDER 15USC 1681 E ( B ) AND 15 USC 1681i ( 5 ) THIS ACCOUNTS ARE IN VIOLATION OF NOT REPORTING 100 % ACCURATE. 

THE CREDIT REPORTING AGENCIES STATES THAT THESE ACCOUNTS WHERE PROPERLY INVESTIGATED AND CAME BACK AS VERIFIED. HOW EVER, HOW IS THIS TRUE WHEN THERE ARE SEVERAL INACCURACIES SHOWING ON MY REPORT? 

AS A CONSUMER I REQUEST TO KNOW ALL THESE STEPS YOUR AGENCY TOOK TO ENSURE THESE ITEMS ARE 100 % ACCURATE UNDER 15 USC 1681I ( 7 ) A METHOD OF VERIFICATION - DESCRIPTION OF REINVESTIGATION PROCEDURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2023-09-07
Company: Caliber Home Loans, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
To whom it may concern, Our property taxes went up, we were never notified by Caliber home loans, we paid a mortgage payment {$160.00} short and they marked the whole payment late as they refused to apply the funds to our account which is predatory as they and reported it to the credit bureau 's and my and my wife 's credit went down XXXX points each- all over {$160.00}, they had over {$4000.00} unapplied on our account and chose to mark us late which is not accurate. We also have {$2500.00} in escrow. This is a gross misrepresentation and abuse of power by Caliber Home Loans We have never paid our mortgage late and we didn't pay the mortgage late, it was short and we rectified the issue, now they will not return our calls to have this fixed with the credit bureau 's as we are in the process of taking out a loan for legal fee 's in order to have my children removed from their mother who has lost my autistic daughter multiple times. 

I believe Caliber Home Loans made a false representation to the credit bureau 's, our mortgage was short an immaterial amount and they had the bulk of the mortgage payment in their account and falsely reported us late when we were not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I filed a FTC report because there was a fraudualant account and some inquiries on my credit that i didnt authorize and nobody has yet to help me.

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 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
After checking my most recent consumer report I noticed some late payments continuing to show to on my consumer report from XXXX XXXX XXXX. 
15 USC 1681a ( 2 ) ( a ) ( i ) ( 2 ) Exclusions. - Except as provided in paragraph ( 3 ), the term consumer report does not include ( a ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. The law above CLEARLY states the consumer report DOES NOT INCLUDE transactions or experiences. Transactions, when broken down, is transactional history. Late payments are a form of transactional history. 
Your company is in clear violation of 15 USC 1681a ( 2 ) ( a ) ( i ) as explained above and 15 USC 1681b ( a ) ( 2 ). 15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with written instructions of the consumer to whom it relates. I did not give this company WRITTEN INSTRUCTIONS to furnish ANYTHING to my consumer report, let alone LATE PAYMENTS! Delete the late payments listed above from my consumer report IMMEDIATELY! Failure to complete the task of deleting the late payments from the above-mentioned accounts will result multiple violations of 15 USC 1681 and all of its subsections.

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 2023-05-01
Company: EQUIFAX, INC.
State: TX
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:
After checking my most recent consumer report I noticed some late payments continuing to show to on my consumer report from XXXX XXXX XXXX. 
15 USC 1681a ( 2 ) ( a ) ( i ) ( 2 ) Exclusions. - Except as provided in paragraph ( 3 ), the term consumer report does not include ( a ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. The law above CLEARLY states the consumer report DOES NOT INCLUDE transactions or experiences. Transactions, when broken down, is transactional history. Late payments are a form of transactional history. 
Your company is in clear violation of 15 USC 1681a ( 2 ) ( a ) ( i ) as explained above and 15 USC 1681b ( a ) ( 2 ). 15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with written instructions of the consumer to whom it relates. I did not give this company WRITTEN INSTRUCTIONS to furnish ANYTHING to my consumer report, let alone LATE PAYMENTS! Delete the late payments listed above from my consumer report IMMEDIATELY! Failure to complete the task of deleting the late payments from the above-mentioned accounts will result multiple violations of 15 USC 1681 and all of its subsections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: BARCLAYS BANK DELAWARE
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XX/XX/2022 and XX/XX/2022 My application was denied and processed as fraud as I was trying to change my name to my legal name and/or cancel the application and start over. They still did a hard inquiry when I asked them not to until I was able to fix this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Experian Information Solutions Inc.
State: UT
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 have sent out disputes to the bureaus and I have received no letters or calls or anything from them. I have inaccurate items reporting on my file that need to be removed. I will upload the most recent letters I sent but there have been others. Please fix immediatley.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Experian Information Solutions Inc.
State: NC
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:
I recently sent a dispute letter to XXXX, XXXX, and Experian on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.

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 2019-05-10
Company: EQUIFAX, 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:
two car loans are reporting under my name that are not even mine, i keep disputing these two accounts from equifax but for some reason these are not getting off of my report. these do not belong to me i have already submitted my dispute and police report to all the bureaus, XXXX  and XXXX are taken off but equifax is very much pain and not helpful at all. please i need your help as a consumer i need your help to have these two inaccurate  accounts removed from my equifax credit, please find attached my documents thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: Capital Accounts, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I went to XXXX to do face threads on XX/XX/2018, work was partially done because the doctor couldn't get the needles into the left side of my face and he didn't have enough needles to finish the work. I was giving an appointment to finish the work XX/XX/2018. When I arrive the doctor asked me why i was there and I said to finish the work. His remarks was that he was not aware of my appointment and he did not have any needles available to finish the work. No one in the office could give me an answer. When I got home i called my bank and place a charge back on {$1000.00} that was paid to the doctor. The doctor had ample time to dispute my charge back which he never did. Instead he send me to collection with capital accounts and capital accounts harassed me with phone calls never providing me with any information. I see that capital accounts provide CFPB with a ledger that is incorrect because the ledger never showed the credit card payment or the credit. Attached please find proof of payment charge back and appointment to finalize the work that was never done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect, and unverifiable accounts that are keeping to be established as correct. Be sure to generate a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

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
Consumer complaint received 2019-05-10
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I really need your help urgently. In the nutshell, I obtained a mortgage from XXXX that was transferred to Shellpoint Mortgage Servicing/NewRez LLC.  In total, I made four payments : one to XXXX and thee to Shellpoint Servicing on time according to their statements. On XX/XX/XXXX I noticed incorrect principal balance that did not reflect all payments that I made. I have called multiple times with follow ups to fix this issue and as of today, XX/XX/XXXX all my payments got removed from my payment history, I got late charge fee assessed and my principal balance got increased as if I made zero payments. I need help to resolve this ASAP. I have a closing on Monday, XX/XX/XXXX to payoff this loan in full, but I cant due to my payments not being applied. It seems that no one in Shellpoint Servicing is willing or want to help. Today, when I called again to Shellpoint Servicing, Customer Care Representative XXXX XXXX ext XXXX, has repeated the same thing as other reps before, that they are working on this issue. Here is a full details info : 1 ) I obtained a conventional mortgage from XXXX ( NMLS XXXX ) in XX/XX/XXXX for {$390000.00}. 
2 ) On XX/XX/XXXX I have made first payment to XXXX  for {$2200.00} ( bringing my principal balance to {$390000.00}, bill due date was XX/XX/XXXX with grace period until XX/XX/XXXX ) 3 ) Around XX/XX/XXXX my loan got transferred to ShellPoint Mortgage Servicing/NewRez LLC ( NMLS ID is XXXX., Main Office NMLS ID # XXXX, Branch Office NMLS ID # XXXX, Investor XXXX-XXXX NMLS XXXX ) 4 ) On XX/XX/XXXX I made a payment of {$2200.00} to ShellPoint Mortgage ( bringing my principal balance to {$390000.00}, bill due date was XX/XX/XXXX with grace period until XX/XX/XXXX ) 5 ) On XX/XX/XXXX I made a payment of {$4500.00} to ShellPoint Mortgage ( bringing my principal balance {$390000.00}, bill due date was XX/XX/XXXX with grace period until XX/XX/XXXX ). 
6 ) As of today, XX/XX/XXXX, my account in Shellpoint Mortgage Servicing shows Principal Balance of {$390000.00}, zero payments that I made and {$45.00} late fee. 
I have called them on XXXX XXXX,XXXX,XXXX,XXXX,XXXX,XXXX & XXXX XXXX,XXXX,XXXX of XXXX to try to resolve this issue without success.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation