BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-16
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: Was not notified of investigation status or results

Complaint:
I have reached out to the credit bureau about 30 days ago and I am yet to receive a response, these items are inaccurate and I demand to have to them removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-09
Company: OCEANSIDE MORTGAGE COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Have filed my application for loan modification, have had my case turned over to more than 5 different people, all telling me the same thing, do not send any kind of payment in until we contact you to let you know all of the information, before you know it I was receiving foreclosure letters

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I'm writing mainly to let CFPB know how blatantly and maliciously Wells Fargo lied to CFPB in their response to my complaint # XXXX. 

I had not really paid attention to Wells Fargo 's late response as so many other things involving them were going on but it lied by reporting : 1. That I had no legal appeal rights when it knew that my appeal had been pending over a year and a half when it wrote what it did. Having forced me into probate court, I appealed immediately after it did not honor it's promise that it would proceed with modification and assumption after it received testamentary letters. The Tennessee Court of appeals found that my husband 's will was valid on XX/XX/XXXX. 

2. It knowing lied that there had been a public administrator appointed to the probate matter it forced me into after I withdrew as administrator. It had the direct denial of being the administrator from the lawyer it claimed was the administrator long before it stated that untruth in response to my complaint. 

3. It intentionally mislead by not revealing that it was responsible for me being in the probate court in the first place under the treat of not lifting a pending foreclosure sale and providing another HAMP application. 

4. It also denied the rights under state law regarding the vesting of real property ownership. It too did not say in its response that I was the record owner of the property in both my county and city records by virtue of Tennessee law when it coerced me to probate my husband 's will knowing that I did not have the funds to waste on lawyers and there were no assets other than my home from which to satisfy the statutory fees allowed in the probate process and are unavoidable because an individual can not represent the estate that is created upon filing the will. 

5. Wells Fargo did not disclose that I was 10 months into a TPP plan when it responded which less than a month after its responded to the CFPB claimed that my husband 's mortgage was not assumable providing no explanation why. 

I'm sure I not the only one but I am one who has navigated through Wells Fargo 's antics and deceit and am still in my home and now in federal court. By the way, my husband died XX/XX/XXXX which represents the time I've tried to assume the mortgage on my home.

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 2022-09-10
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:
In accordance with the Fair Credit Reporting Act ( FCRA ) -- XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my consumer rights.

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

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my 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 non-monetary relief
Consumer complaint received 2022-11-10
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
XXXX, XXXX XXXX Experian are are responsible for the following violations for reporting my EXPERIENCE With said creditor, Here is a list of improper use of my consumer report. 


XXXX 62 % credit card utilization XXXX  86 % credit card utilization XXXX  XXXX 77 % credit card utilization XXXX XXXX XXXX 83 % credit card utilization XXXX  XXXX 55 % credit card utilization Under 15 USC 1681a 2 ( A ) ( I ) 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 STATES : ( Consumer reporting agencies or experiences between the consumer ( Me ) and the person ( You ) *CREDITOR* Making the report is not included on my consumer report.

Utilization is an experience with the line of credit that was extended between the consumer ( Me ) and the person ( You ) *creditor* that is making the report. Congress states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports.
You have violated the FCRA 15 USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which congress states IS NOT included on my consumer reports.

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 2022-03-16
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

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 2023-03-23
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The Debt is over 10 years old. However, the collection agency is stating that I made a payment back in 2016 which they say restarted the time frame that the debt can reflect on my credit. This is definitely inaccurate information. I have requested proof of this payment on numerous occasions and have yet to receive this. The credit report has zero information on when the last payment was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: Experian Information Solutions Inc.
State: FL
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:
Reporting illegal utilization on credit report

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 2022-03-16
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX : A final payment of {$28.00} was sent to XXXX XXXX. 
XX/XX/XXXX : XXXX received the check BACK FROM XXXX XXXX! 
XX/XX/XXXX : Another payment of {$28.00} was sent to XXXX XXXXXXXX XXXX XXXX XXXX to XXXX XXXX, to ensure the payment was received and not returned. 

- I have copies of my XXXX Statements verifying all transactions. 
- I have a new statement from XXXX XXXX  indicating I have a {$28.00} credit. 

NOTE : I KNEW sending a check to XXXX XXXX  was a viable solution because during an earlier phone call with XXXX XXXX in which I tried to tell them I had sent them the {$28.00} payment, the representative actually looked at the Woman Within account to see if it had been credited to that account. It had not at that time ; so I resent the payment on XX/XX/XXXX. 

My credit report has been affected due to their error. The incessant phone calls for {$28.00} from Commenity Bank is ludicrous and verges on harassment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-15
Company: Experian Information Solutions Inc.
State: FL
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:
Reporting illegal utilization on credit reports

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 2023-10-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
In accordance with the Fair Credit Reporting act Cap One Na, Capitol One XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Has violated my rights. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHTS 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 2023-10-15
Company: Experian Information Solutions Inc.
State: FL
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:
Reporting my utilization is illegal and charged me a XXXX fee for my money I called and ask if they can close the account.

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 2020-03-09
Company: DISCOVER BANK
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Company has never furnished me any findings of their so called investigations that have been going on supposedly since XXXX, XXXX ; all received has been " closed. Valid '' Nothing is valid about my credit card statements, and can not possibly be valid : There were 28 plus unauthorized charges on my account ; these unauthorized charges went on for 1 1/2 years, XXXX, XXXX through XX/XX/XXXX. 
The guilty party, being a Law Firm in XXXX XXXX, Fla. got away with the 28 plus unauthorized charges that amounted to over {$47000.00} plus because it was a Merchant of the Company, and because it was a Law Firm. Therefore, my Bookkeeper, who checked the credit card statements, believing they were legitimate charges, did not file a dispute, nor check with me. I never handled my charge card statements. They were all paid by automatic payment, and my bookkeeper checked and posted the statements : She posted these unauthorized charges as " Legal Exp. '' When I found these unauthorized charges I filed immediately a dispute with the proper office as instructed. I never received an acknowledgment or report of any kind in 30 days ; nor did I receive any kind of report of findings after the 60 days. Nor have I received any findings as of this date. But, I know why now : There was never an investigation done ; only a judgment of my dispute : This was admitted to by One who was supposed to be investigating the matter : I was told that Discover does not investigate their own records, nor will they investigate what I send in. They may close the case without viewing my evidence, even if I refer to it in a letter.

And unless you send in " new evidence '' they may not open a closed dispute.

I have requested the Company to investigate their records to see who the Company paid my money to. 
We have the name of who made the unauthorized charges ; but I requested they verify to make sure someone had not stolen their identity. 
I also requested some missing Credit Card Statements. They refused but after probably about 10 to 12 requests they sent some statements, but not the requested statements. I asked if they did not have the statements, either to reprint them or just send me a list of all the unauthorized charges by the Law Firm. So far, since XX/XX/XXXX, have not received. I believe there are more unauthorized charges than the 28, which is why I state 28 plus. 
I never retained the guilty party, and had no dealings with the Law Firm except I loaned ( paid directly to the Law Firm with my Credit Card, ) the Retainer Fee to others. That is how the guilty Law Firm got my credit card information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 sold a house in XXXX of XXXX. I was current at the time of closing and was never aware of any missed payments or late payments. It is reporting 120 day late payments every single month for the past 2 years on that local. I have called the company XXXX XXXX XXXX every single month for the past year to inquire about these errors on my report and they can not supply me with any information. They can not find me in the system as ever having an account. This is preventing me from purchasing a house and is damaging and unfair. I have disputed this in XXXX of XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX of XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX of XXXX. They are still refusing to remove this from my report but yet can not supply me with that this debt ever existed.

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 2022-03-16
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Reference : HUD PARTIAL CLAIM NO. : XXXX Original FHA Loan Number : XXXX My name is XXXX XXXX XXXX. I would like to file a complaint against the mortgage company named Loan Depot. Basically, in 2020, I applied and obtained a Cpvid forbearance for one year. My monthly payments were {$3200.00}. At the end of the year, I asked to come off the forbearance as I was about to refinance the loan. Based on the monthly amount, the total I owed was about {$38000.00}. However, Loan Depot demanded that I agree to the figure of some {$48000.00}. I had no less than a dozen phone calls with them to convince them that their calculation was inaccurate. Finally, they acknowledged that their calculation was wrong ; that the real figure is {$42000.00}, and they would send me a letter to that effect. The letter never came. As the closing grew closer, I called them practically every day to request that letter. They then sent a payoff to my new lender with a figure of {$48000.00}. Needless to say that the closing agent sent a check to HUD in the approximate amount of {$48000.00}. 

I have called them another two dozen times seeking reimbursement of the extra money they sent to HUD. Finally, they gave me the name, phone number, and email address of a company called XXXX  XXXX, an alleged HUD contractor in charge of handling cases like mine. I called the company to seek assistance. They advised me that someone would get back to me within 24 hours. I sent them XXXX emails to confirm. They have never responded. Just today, I spent another XXXX minutes being jerked around by Loan Depot staff. First, they transferred me to loss mitigation. Loss mitigation transferred me to Default. Default sent me back to Loss Mitigation. They sent me to a department that handled conventional loans for XXXX depot ; not FHA loans. I decided to file this complaint because Loan Depot needs to be sanctioned and made to reimburse the {$8000.00} they wrongfully, forcefully, and unlawfully to frome me to send to HUD although I did not owe them that amount. Please find, attached a letter I sent to Loan Depot in connection with another complaint regarding the misapplication of my mortgage payments. Although some of the figures are slightly off, the letter will provide you with ample evidence of Loan Depot 's derelictions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
My Coinbase account has been locked since on or about XX/XX/XXXX. Apparently due to multiple invalid logon attempts after trying to change my password associated with opening an account with Coinbase 's exchange XXXX. ( email from Coinbase attached ). 

XX/XX/XXXX conversation with Coinbase support line at XXXX, ticket XXXX was opened with status of 'the issue has been properly escalated '. 

XX/XX/XXXX contacted Coinbase support was told the original ticket XXXX was not actually in the work flow due to some type of error on Coinbase Support 's fault. New ticket XXXX was opened and once again the status was 'it has been properly escalated '. 

Per XX/XX/XXXX email, I changed my password. I find it disturbing that I have the ability to change my password even though my account is locked. 

XX/XX/XXXX contacted Coinbase support at XXXX, yet another ticket, XXXX, was opened and was told 'Having investigated the issue, I am working with a specialist to address it properly ' XX/XX/XXXX, contacted support again at XXXX, spoke with XXXX , was told 'no new status, no eta, still escalated to highest priority. ' XX/XX/XXXX, contacted support via email, response as 'Ive just checked your account and can confirm that your request has been properly escalated. '

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I've sent several letters out to Discover and they refused to remove the item. I am attaching it NYPD police report with hopes that this can be removed ASAP with the assistance of the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: NAVY FEDERAL CREDIT UNION
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:
Disputed the inquiries and called customer service

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX year XXXX   and XXXXXXXX XXXX account are furnishing late payments, this is illegal! This is violating my rights as : 15 U.S Code 1666b TIMING OF PAYMENTS, as it states a creditor may not treat a payment on an account under an open and consumer credit plan as late for any purpose!

15 U.S code 1681a titled DEFINITIONS ; rules of construction-Exclusions-Except as provided in paragraph of the term consumer report doesnt include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1681 Section 602 States I have a right to privacy 15 USC 1681 Section 604 A Section 2 : it states, a consumer reporting agency CAN NOT FURNISH, an account without MY 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