BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-29
Company: Coinbase, Inc.
State: NC
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:
On XX/XX/2022 I had 4 fraudulent charges to my Coinbase Card in the amount of {$500.00} each all within 2 minutes from a XXXX XXXX that I have never heard of or interacted with. I contacted Coinbase Support by phone immediately to dispute the charges. I was told I would receive an email within 10 days from the chargeback team. I never received an email or follow up and it has now been over 70 days. I contacted support several times to follow up and was told to reply to an email from the chargeback team that I never received. I'm then told I will receive an email when the investigation is complete. I have received no email or correspondence in over 70 days. There is no way to check on disputed charges and support is not helpful with a resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-11
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Please note I have sent 3 different dispute letters to Equifax dated XX/XX/2019, XX/XX/2019 and XX/XX/2019. There are currently 5 medical accounts which were showing on all three credit bureaus. Each was sent the same letters on XX/XX/2019. As of XXXX both XXXX and XXXX has since deleted the accounts due to the fact they were not able to VALIDATE or Verify the accounts in question. All except for Equifax who keep sending responses saying it is verified. I have also sent documentation showing that neither the collection agencies nor the Credit Bureaus were able to validate and the accounts should be deleted. 

The FCRA states that the credit Bureaus verify their information before putting information on my file. Not just send a request or response from XXXX. How are they determining this person is me? According to FCRA there should be proof of my signed document as the proof that this is me. I did not receive a notification that the investigation was completed. I just happened to call in. I just spoke to a supervisor named XXXX who have informed me that I can not even request the documents that are in my file at Equifax. She then told me that it is the collection agency that has to do the validation which according to FCRA laws are incorrect. 

I demand from Equifax to see the verification that was used that these accounts are mine since other collection agencies were NOT able to verify. I am very concerned that on top of the breech that Equifax had that they are NOT following the laws of the FCRA. I demand that Equifax remove these collections until they can send FULL Verification of this Medical Debt that could not be verified but they are still reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: American First Finance, Inc.
State: NC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XXXX XXXX I purchased furniture for XXXX. It was purchased at XXXX XXXX in XXXX Nc. I put down XXXX and XXXX was financed through American first finance who are saying that I still owe over XXXX after paying XXXX every XXXX weeks since XX/XX/XXXX. Ive made over XXXX dollars worth of payments and I put down the deposit. This is predatory lending and they say they dont charge interest. I did not sign the contract my daughter did because the sales person at the store was having problems with their system and the company emailed it to my daughter. These are not the terms outlined to me and I was told by American freight that I would pay the furniture off in a year. They can not give me any clear explanations as to what the secret charges are and Im very stressed and o. The verge of being homeless because they automatically take these payments and the cost of living is so bad

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-17
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
CFPB closed XXXX. 

Shellpoint offered me an unaffordable modification which was not based on my XXXX application because Shellpoint offered a streamline modification after I submitted my complete XXXX mortgage assistance application. 

Shellpoint did not provided the required documentation for how it calculated the {$1000.00} or what other options that it looked at in response to my completed XXXX mortgage assistance application. 

Shellpoint did not include the interest rate, which should have been 2.75 % for a Streamline Modification. Shellpoint did not provide a breakdown of how trial funds would be allocated or how the interest rate should affect the payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
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 ( Original Creditor : XXXX XXXX XXXX XXXX and 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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Recently I did and investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. In 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 rights 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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? Consumers have certain rights and protections under the FCRA to ensure that their credit reports are accurate and that their personal information is used appropriately. As well as the procedures for disputing and correcting errors on your 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 non-monetary relief
Consumer complaint received 2023-10-04
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a loan from XXXX XXXX ( Credit cards ) but I lost a job during the covid-19 pandemic. So having trouble paying my credit card with XXXX XXXX. So they give a charge off my balance. But this debt collector Midland Credit management a third party collector they start sending letters they to collect my debt that is already closed account. I want them to delete this Midland credit Management from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: MI
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 have submitted disputes to you and I didn't get a response within 30 days and you all are required by law to do so.Please investigate my disputes.Thank you

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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
There is a FRAUDULENT item ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on my credit report. I DO NOT have any idea regarding this fraudulent account on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am submitting a complaint regarding this FRAUDULENT account and for assistance to REMOVE it from my credit report immediately. 

Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!

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 2023-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
Auto loan originated on XX/XX/XXXX with Capital One Auto. Amount was for XXXX at XXXX percent rate. 
After closely reviewing the billing statements on XXXX. The total interest paid was XXXX. Total principal paid XXXX. At that time I requested Capital One Auto to review the balances and recalculate the correct payoff, if any amount remained. I notified that I would cease payments until rectified. The department did not respond to my letters until XX/XX/XXXX. Instead of acknowledging my formal request, I received a repossession notice. To avoid the threat of repossession I made the requested minimum payment of XXXX on XX/XX/XXXX. I contacted Capital Auto via phone center reiterating the billing issues. 
On XX/XX/XXXX the vehicle was towed at my work location. Capital Auto admitted to claiming the vehicle and demanding a release fee of XXXX. I informed Capital one that by repossessing my vehicle after making the requested payment was a criminal act of theft. 
XX/XX/XXXX i reported the matter to credit bureau After a timely delay I received notice from credit agency in XX/XX/XXXX. Capital Auto agreed to remove the balance of XXXX. 
Currently as of XX/XX/XXXX credit reporting. The account is worded Write off XXXX. XXXX past due. Along with derogatorily late reporting from XXXX of XXXX during the investigation. 
Please review statements for balance errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I HAVE BEEN A VICTIM OF IDENTITY THEFT. MY INFORMATION HAS BEEN COMPROMISED DUE TO EXPERIAN, XXXX, XXXX XXXX BREACHES. I HAVE INACCURATE DETAILS AND UNAUTHORIZED ACCOUNTS LISTED ON MY CREDIT REPORT. I HAVE MADE SEVERAL ATTEMPTS DISPUTING THE INACCURATE INFORMATION AND ASKED FOR A SWORN TESTIMONY OF METHOD OF VERIFICATION AND HAVE NOT RECEIVED THAT. I STILL HAVE YET TO RECEIVE REMEDY FOR THE INACCURATE DATA FURNISHED ON MY CREDIT REPORT. THERE HAVE BEEN MULTIPLE VIOLATIONS PER THE FAIR CREDIT REPORTING ACT. NOW I HAVE NO OTHER CHOICE BUT TO TAKE IT TO COURT

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 2021-06-14
Company: Experian Information Solutions Inc.
State: OR
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:
XXXX is reporting a balance from a charge-off account to Experian that was settled. The account balance should be {$0.00} and the status settled to less than full. The account is reporting correctly to XXXX and 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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 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 XXXX XXXX XXXX XXXX  I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2023-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Today I received a call from my brother ( who has the same last name and the address on the check matches his id ) saying the bank was questioning whether the check he had was a fraud because ( per the teller ) the signature did not match. I had a carbon copy of the check the signature matched all prior signatures. The bank then called me and I spoke to someone named XXXX who said she was the XXXX of BOA 's XXXX XXXX, phone number ( XXXX ) XXXX. She wanted to verify I wrote the check. I said I did. She was quite rude and told me during the conversation she determines if a signature matches and implied I was lucky because she could of just told my brother to leave. This has happened more than a dozen times over the past few years with BOA. Every time the check is written to a XXXX person, usually a construction worker who is not dressed in professional white collar garments. Once the person was XXXX. Never XXXX. They always call and say the signature does not match. My signature is very basic and has been the same for 50 years. This reminds me of a police XXXX profiling XXXX people and pulling them over under false pretenses like " weaving within XXXX XXXX '' or " driving too slow ''. Please take a look at BOA practices. I suspect there are incentives for tellers to scrutinize signatures on checks tendered by people of 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 2023-10-03
Company: U.S. BANCORP
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Beginning approximately 90 days ago ( today is XX/XX/2023 ) and continues daily. Elan financial calls my cell phone 2-6 times per day. Sometimes before XXXX and after XXXX XXXX. Try to answer repeatedly, say hello several times before being hung up on every time. Tried to return the calls and I am required to give an extension number that I do not have I have 2-3 accounts that are managed by Elan. I have no way of knowing which they are calling about

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 2023-07-05
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Experian Information Solutions Inc.
State: MI
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:
There are two bankruptcies listed on my personal credit report. I wrote a certified letter to the United States Bankruptcy court asking if they reported this information directly to Experian. The written l-etter I received back from the United States Bankruptcy Court advised me in writing that the do not report any bankruptcy information to any of the credit reporting agencies, neither do they update status information for any bankruptcies. I wrote Experian on several occasions and asked that the bankruptcy information listed on my report be removed since it was not directly reported to Experian by the United States Bankruptcy Court. I also asked Experian to give me the contact name and information for who reported this information. I further questioned them to furnish me the information for who reported the information. Given the fact that the United States Bankruptcy Court did not furnish them with such information. Experian has refused to delete the information. I would like the bankruptcy information deleted from my report immediately.

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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 tge fair credit reporting act. This creditor XXXX XXXX has violated my rights under 15USC1681 Section 602, states i have the right to privacy. Under 15USC1681 Section 604A Section 2, it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15USC1666B a creditor can not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2023-02-22
Company: Experian Information Solutions Inc.
State: PA
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:
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 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 2021-03-17
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was furloughed through a XXXX XXXX XXXX back in XX/XX/XXXX fo 30days and submitted documentation for that months payment to be but on the back of the loan. The morthage company " MR COOPER '' replied a few months later that they would not do it. all of my other accounts such as XXXX had no problem with doing this for me. This past XX/XX/XXXX I sent a bank check from XXXX XXXX XXXX in the amount of XXXXthey claimed to they didn't receive it. after weeks of waiting for it to post to my account. So i had that check cancelled. They then issued a direct check via XXXX XXXX and it was signed for by someone within the company " Mr COOPER ''. The check was recieved and signed for by a XXXX XXXX on XX/XX/XXXX @ XXXX as per the XXXX XXXX tracking Number. I spoke with them today XX/XX/XXXX @ XXXX and was told that they have not received the check. 
The last time i spoke with them a month ago, they stated that they have the check and it would be taken care of along with all the previous derogatory reports back to the letter that i sent them. after talking to their escalation department, they said once again they don't or can not find the check even after i supplied them with the tracking number and bank information. In short i have researched this company and found a host of negative dealings with other customers. Furthermore i told them that this is affecting my clearance levelat mt place of employment, to which they brushed it off.

Company response to consumer: Closed with explanation