BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-19
Company: Mr. Cooper Group Inc.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/2014 XXXX XXXX wired Nationstar {$170000.00} Nationstar has refused to provide disclosure of its acceptance of this amount or its specific payment allocation in a final payment history, after reversing 9 payments 4 1/2 years after the payment was allegedly accepted by Nationstar, only giving partial disclosure of the incomplete reconciliation of the loan, causing inaccurate credit reporting for four years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: CITIBANK, N.A.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This document is for fraudulent accounts opened in my name, Using my personal information without my authorization or permission. I am a victim of identity theft and did not open these mentioned accounts. I am a victim of the XXXX  data breach. State issued ID have been compromised and my social security has also been obtained. My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. I am not responsible for any of these charges or accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Experian Information Solutions Inc.
State: NY
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'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these item are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 

Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNTS. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

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 2023-07-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX XXXX Balance Owed : {$12000.00}

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 2020-04-04
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 looked at my credit report last month and noticed a few fraudulent accounts

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 2020-02-19
Company: Nationwide Recovery Systems, Ltd
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I was travelling to work on my motorcycle and had just past the toll plaza at the XXXX XXXX in the carpool lane when a car that was in the metering lane traffic went over the plastic barriers into my lane and hit me. I was ejected from my motorcycle and XXXX XXXX XXXX including both XXXX XXXX XXXX XXXX XXXX XXXX, at this point XXXX was requested by XXXX. I was picked up by XXXX  XXXX and taken to XXXX XXXX. I have and had at that time full coverage by XXXX XXXX that included ambulance rides in medically necessary situations such as this. In the coming months my insurance paid for all of my medical bills ( the driver who hit me and was at fault had no insurance coverage on his vehicle ). Needless to say there were a ton of statements that were mailed to me showing what had been paid for by XXXX. At no time did I know of a bill from XXXX XXXX, I wasn't even aware of the ambulance companies name that picked me up as I was in awful shape after being hit. In my mind, all of my bills had been settled and I had to deal with my XXXX XXXX and the costs associated with that. 

Fast forward to XXXX where I notice that my credit score drops to XXXX ( I maintain a consistent XXXX or above on my FICO score ). When I look into why this drop happened, I see that I have been reported for a derogatory account reported by Nationwide Recovery Services for the amount of {$2400.00}. This is apparently the amount due for the ambulance ride that day that I never received a bill for. The ambulance company XXXX XXXX apparently sold this debt to XXXX in XX/XX/XXXX and now in XXXX XXXX has reported this to my credit meanwhile, to this day, I never received a bill from either of these parties. I called my insurance company XXXX to inquire if they had received a bill which they had not. Further, my insurance will only pay/reimburse a claim within 365 days of the date of service. 

I find it completely unacceptable that not only did I suffer life altering injuries from an accident that was not my fault, caused by an uninsured motorist, but also that now my credit has been affected by a company with a horrible reputation for its billing practices XXXX XXXX  XXXX XXXX and then Nationwide Recovery Services. When I called XXXX they stated that the address they had listed for me reported to them from XXXX XXXX was incorrect and that is why I supposedly never received a bill from either of them. I think this is a ridiculous reason as my personal information is easily searchable, especially by debt collectors. This whole ordeal has been completely infuriating and it's incredible that I have to suffer more from this accident that happened in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Experian Information Solutions Inc.
State: NY
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:
On XX/XX/2023 I asked the credit bureaus to do a verification of everything on my credit report. They did, stating that everything is accurate. I did a thorough research myself and found improper inaccuracies. In accordance with the Fair Credit Reporting Act, Experian, XXXX, and XXXX XXXX XXXX accounts listed below, has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A, states I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2, it also states a consumer reporting agency can not furnish a account without written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that needs attention in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX XXXX XXXX : XXXX BANK ) XXXX XXXX : {$1500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$84.00} XXXX XXXX Balance : {$84.00} XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 UPDATE MY CREDIT REPORT. THERE ARE SOME ACCOUNTS WHICH IS NEVER BELONG TO ME. THE INFORMATION IS NOT RELATED TO ANY TRANSACTIONS MADE BY ME. IT LOOKS LIKE SOMEONE HACKED MY PERSONAL INFORMATION. THESE ACCOUNTS ARE FROUD

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-04
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I noticed looking online at my Home Equity Loan payment history and payment breakdown, that many of my payments, sometimes for months in a row, were entirely applied to interest and nothing was applied to principal. I contacted the XXXX number for my bank maybe a year and a half ago (? ) and the representative told me it appeared as though there was an error in how my payment was applied because I used the online money transfer option to make the payment online instead of mailing in my payment with a payment coupon. It was a system error she said. She said she would fix it and when I later logged in the payments were applied in a way that I would expect : e.g. most of the payment to interest given the age of the loan but a notable portion to principal, and an adjusted remaining loan balance. The same thing happened a few more times since then, including several months in a row at the end of XXXX and into XXXX. In XX/XX/XXXX I called a loan officer from my branch to have the error corrected again and ask how I could avoid this problem in the future with online transfer payments. She did some research and got back to me saying that my payments were correctly applied according to bank policy for payments made after the due date. She said that because the payment was after the due date it was applied to the interest of the payment past due as well as the upcoming payment before it could be applied to the principal. She also told me that I had no grace period on this loan but accepted correction when I stated that my payment coupons show a due date of the XXXX of the month with a late fee incurred on the XXXX of the following month, indicating a 15 day grace period. None of my payments on this loan were ever over 30 days late. I am a XXXX  XXXX XXXX  I've had other HEL 's and HELOC 's as well as many mortgages. I've never heard of this policy or had this experience at another institution. This policy resulted in many of my payments having nothing at all applied to my principal and I believe resulted in a higher remaining balance than if payments had been applied according to the amortization rate that I see with my other real estate secured loans. Indeed, when I ran my loan specifics through an online amortization calculator it produced a remaining balance almost {$2000.00} lower than what my bank claims. Can you tell me if this is a legitimate industry practice in the application of Home Equity Loan payments?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
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:
On XXXX XXXX, 2023. I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX Balance : {$930.00} XXXX XXXX XXXX Balance : {$900.00} XXXX XXXXXXXX XXXX XXXX : {$1300.00} XXXX XXXX XXXX : {$550.00} XXXX XXXX XXXXXXXX balance : - XXXX XXXX XXXX XXXXXXXX Balance : {$220.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
There appears to be a discrepancy of the amount I show I've paid and the amount the bank claims I still owe for my vehicle. I've included the communication with the bank and despite my efforts to resolve this issue the bank states that they will repossess my vehicle unless I pay what they show even though they've not provided a breakdown vs. the breakdown I show.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX Acct # - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

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. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-08
Company: Coinbase, Inc.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello, I have previously reached out to Coinbase in three separate emails, but have not received a response. Coinbase states account issues must be resolved through email and can not be resolved through phone support. I simply want my money returned. I have included a timeline below : XXXX XXXX, XXXX - Purchase {$650.00} of XXXX, XXXX, and XXXX using Coinbase. The purchases were effected through the used of a linked XXXX XXXX account. At XXXX on XXXX XXXX, I received a notice of closure email from Coinbase stating I had violated the terms of service, and that my account would be closed. I have reviewed the terms of service and am certain that I did not violate them in any way, shape, or form. The same day I noticed that I had {$650.00} of pending ACH on my bank account. This was fine as I thought it would fall off. 

XXXX XXXX, XXXX - Coinbase withdraws {$650.00} from my bank account. I checked my " closed account '' page on Coinbase which indicates that I have no money in my XXXX, XXXX, XXXX, or XXXX wallets. I was very concerned as Coinbase treated my account as having been closed out with zero balances despite withdrawing {$650.00} from my bank account. 

I have yet to receive a response from Coinbase and believe that the company has wrongfully withdrawn money from my bank account. If there is a reason for the current issue, I simply want an explanation. At the end of the day, I only want my {$650.00} returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-04
Company: Experian Information Solutions 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 looked at my credit report last month and noticed a few fraudulent accounts

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 2022-04-15
Company: EQUIFAX, INC.
State: NY
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:
n accordance with the Fair Credit Reporting act 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a notice that a fraudulent account that was previously removed from my credit report was sold to a collections agency. I have been dealing with identity theft for the past 2 years. I was told that I can not have the item removed because the collections agency requested that the fraudulent item be reinserted. I have provided FTC and police reports as well as requesting the written documentation which I have not been provided with. I wish to file a formal complaint with company.

Company response to consumer: Closed with explanation