BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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

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 2023-06-07
Company: EQUIFAX, INC.
State: MO
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigated and removed for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$0.00} FB XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX Bankruptcy XXXX # XXXX. As we are undoubtedly aware, under Section 611 of the FCRA, it is your responsibility to ensure that the information contained in credit reports is accurate and up-to-date. I have fulfilled my obligation by bringing these inaccuracies to your attention. It is now your obligation to investigate and correct these errors within 30 days, as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-19
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: Account status incorrect

Complaint:
When I Register with MyEquifax online on Tuesday XXXX XXXX at XXXX. I noticed that FRAUDULENT ACCOUNTS that I have reported to the police months ago & I sent Equifax the police report which Equifax has added on file. Were previously Equifax DELETE OFF MY Credit Report due to Equifax investigating the accounts and finding them to be Fraudulent. The Accounts are Now Showing As CLOSED/CHARGER OFF.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ; XXXX XXXX   XXXX and CREDIT COLL ( Original Creditor : 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 2023-02-24
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was asked to provide a escrow cushion on my escrow account. Its not a new loan and I'm current on payment and not behind with property tax or insurance. I have been making payments and my loan was recalculated for increased property tax in XXXX of this year and now its increasing again for a cushion that I did not agree to or was told that after a year of payment I would have to give them a " loan '' called a cushion. I tried to say no but was told I have to pay them. The loan company is PPH LOAN SERVICES.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: Experian Information Solutions Inc.
State: TX
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 have fraudulent accounts reporting to my reports. I filled out a identity theft and police report and the bureaus are still refusing to delete the accounts : 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 non-monetary relief
Consumer complaint received 2021-03-10
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a dispute letter to the credit bureau after reviewing my credit report. I noticed there were inaccurate items on my credit report and items that did not look familiar to me. It has been over a month already and I still have not received a response and my credit report is still showing the inaccurate items. These inaccurate items have been a huge obstacle in my life. After no response for over a month prior to completing this complaint I sent another letter demanding them to comply and conduct their investigation and respond. According to the law these items should be deleted because it has been well over 30 days and I have not been notified of any type of investigation taking place. I do not know what else to do.

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 2023-08-04
Company: DISCOVER BANK
State: CA
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 the XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX Account name : XXXX Account name : XXXX Account name : XXXX, 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 suppose to modify accounts that isn'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 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.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-18
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021, I found my coinbase crypto account was transferred by a scammer with a huge sum of two times Total {$100000.00}. Then I wrote an email to coinbase to remain them some fraud company to transferred my money away. Coinbase reply me email said need 5 business day to solve the problem and locked my coinbase account. but until now it is over two months, coinbase never answer me and I email to them many time, they dont answer me and still locked my account, I still have some bitcoins in my account, they are illegal locked my personal account, They are responsible for the loss of my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-11
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
td bank XXXX maintenance fee was told anytime my account falls below XXXX from XXXX of the month to the XXXX of the month i will be charged XXXX fee no grace period and even if i put money back in the account the next day i still get charged the fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-04
Company: DISCOVER BANK
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: Account information incorrect

Complaint:
My account is more than {$1500.00} in debt and i would like to get it removed. I closed this account a long time ago and I am still getting charged

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-25
Company: Experian Information Solutions Inc.
State: OH
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 am filing this complaint due to some fraudulent addresses that are not mine possibility a family member of other relatives. 

XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 2023-07-13
Company: EQUIFAX, 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:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and anxiety. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have been contacted by phone and mail by a company allegedly called XXXX XXXX and XXXX. The messages claimed there is a complaint that would lead to litigation. They finally contacted my sister to find me. I called them, and they said that in XX/XX/XXXXI had a Bank of America account which I abandoned, leading to about {$800.00} of interest, and she ( " XXXX XXXX '' ) asked if I wanted to settle with the initial owed, about {$300.00}. I asked why this hadn't been brought to collections, shown on a credit report, etc. XXXX said the company chose not to take that route. She gave me a false bank account number ( I found my old one and it doesn't match ), and she had my true social security number, address, phone number, and the numbers for my husband and sister. Bank of America will not speak to me without a current account number.

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 2023-09-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR 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. XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

XXXX XXXX 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 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 explanation
Consumer complaint received 2021-06-19
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
TD bank utilizes a money transfer system named XXXX. This system was used by scammers pretending to be TD bank employees and calling with caller id displaying as " TD Bank ''. The scammers were able to penetrate the TD security system and generate text messages to the account holder ( me ). These XXXX messages were portrayed as transfers to the account holder for the purpose of replacing funds misappropriated from the account through unauthorized transactions. 
Two attempts at trying to rectify this resulted in two denials. The bank refused to provide any information detailing how the scammers access the account holders financial information to generated XXXX text messages transferring funds out of the account. I, the account holder never enrolled in the XXXX system. I was misled by the scammers due to the fact that they were able to generate texts from TD bank pretending to transfer funds to me when in fact they were stealing funds. No further information was provided as to how the scammers were able to access " secure '' financial systems and generate funds requests. The 4 transfers for {$500.00}, {$200.00}, {$200.00} and {$200.00} totaling {$1100.00} through XXXX were all to the same email and occurred consecutively on XX/XX/XXXX starting at XXXX. The fraud was reported to the bank shortly after the transfers took place. The bank fraud department employee was questioned as to how 4 transfers to the same destination in a matter of minutes did not raise any flags. It appears there are no safeguards, accountability or monitoring of XXXX, transfers or account activity which appears suspicious. 
*****************************************************************************Original complaint was phone activity on XX/XX/21 with no case number or advisements presented. Follow up two weeks later with bank fraud department indicated denial without any notification to date. During the course of this phone activity, after being advised to file a police report, case number XXXX was assigned. Third instance of filing a complaint for further review by investigative management in case # XXXX resulted in a second denial again with no accounting of how the records were authorized XXXX document attached ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-05
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A loan was taken out in 2019 for the amount of {$390.00}. The problem is it was under my old address and name. That debit was sold to NCA which I called and followed up with a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Credit Card with Capital One ( Savor ). I wished to downgrade my card from the XXXX to the No Fee XXXX. Capital One has made this task difficult to impossible to accomplish. 

Complaints - Capital One will not allow me to make the change to the card I want. They say that product change would be a downgrade and they only offer upgrades ( I was offered the VentureOne instead ). No other credit card company has given me a problem when downgrading.

- The company tried to scare me by telling me the offer to upgrade to the VentureOne was expiring tomorrow. When I called back 2 days later the same thing was still offered to me.

- When I asked if changing to the Savor card to the VentureOne would disqualify me from a sign up bonus on the Venture card, I got a wishy washy answer that they think I can't get more than one sign up bonus on the same account. The language in their terms is wishy washy as well. ( Existing or previous Accountholders may not be eligible for this one-time bonus. ) The bonus should be offered or not. There should be clear terms that disqualify me if that is the case. Not whatever the company feels like on any given day. 
- When I finally agreed to change to the XXXXeOne, I asked if I would be refunded my annual fee I had to pay last month. They said they don't refund fees ( again, all other companies I have interacted do not treat their customers this way. ) This is especially egregious because under federal law I can't request a product change until a year has passed and I have been charged the fee for year 2.

- When I voiced my frustration about my entire experience with the company I was cut off and placed on a permanent hold. ( as of writing this I have been on the phone for 30 minutes listening to same mind numbing tune ) Capital One is engaging in anti consumer behavior to cheat me out of an extra {$95.00}. I would love to close my account and punish Capital One by taking my business away from them, but the system we live under would penalize my credit score because my average age of credit and available credit would be hurt by that action. I feel cheated and trapped.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-17
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
It was reported on my credit on XX/XX/XXXX that I owe money to XXXX. I have never received anything from XXXX XXXX ( the collection company ) or spring on this saying I owe money. I havent even been with XXXX for 6 months. I can not find any contact information to dispute this with convergent as I am unable to find a number or even website. I do not believe this debt is mine. And XXXX had and has always had my updated information.

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