BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 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 2021-06-23
Company: Experian Information Solutions Inc.
State: DC
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 vehicle loan with XXXX XXXX XXXX became delinquent in XXXX. They charged off the account in XX/XX/XXXX and continued to report charge off account for XXXX, XXXX, and XXXX of XXXX. They changed the account from charge off status to delinquent in XX/XX/XXXX. The vehicle is inoperable however to work on improving my credit I began making payments on the account after the charge off. The account is reporting past due over {$8500.00} with a balance due of {$9000.00}. XXXX  reporting strategy is causing me to show as if I have an account that is open and seriously past due. Lenders are more likely to work with you if there is a charge off account that you are paying down verse an account reporting as open and over 150 days past due. The account had been charged off and should remain in that status. I am curious to know if XXXX took advantage of tax benefits from charging off the account. I believe this is a deliberate act to further damage their customer 's credit when they default on a loan. I am also not in agreement with the way that they allow you to make a payment arrangement but will not update the credit reporting to reflect the payment arrangement. When you call to speak with their customer service representatives they do not seem to be able to help you beyond making a payment.

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 2022-09-24
Company: Experian Information Solutions Inc.
State: FL
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 XXXX  Account # XXXXXXXX XXXX XXXXXXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXXXXXX, Account # XXXX XXXX  XXXX, XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX, Account XXXX XXXXXXXX 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2023-02-22
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX XXXX XXXX  - I received a email from PAYPAL stating that my account has been Permininalty Suspended without notice or warning. I immediatelyinquired why and received absolutelyno reason. The person on the phone refused to offer any further explanation of why I was terminated. 
XX/XX/XXXX XXXX I received a similaremail from VENMO ( same company as Paypal XXXX Stating that my VENMO Account has been PERMANENTLY Suspended. They too offered no reason and would not answer my request for a explanation, I use both servicesvery casually for giving money to family members or paying for online purchases in an effort to protect my banking information. This type of action should be illegal, they still have my money and offer no easy way of retrievingit. I want a explanation as to why my accounts were flagged and suspended.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-19
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I acquired a reverse mortgage from Champion Mortgage XX/XX/XXXX for {$170000.00}. I received approximitely {$150000.00}. by the time they took all their fees. My question was will there be no prepayment penalty because it was always my intention to repay. I was assured that it was not a problem. I have found that the interest is very high and I sent them {$75000.00} to pay down the mortgage. I have had a great deal of trouble with their insurance department because they want flood insurance but my agent at XXXX XXXX said I was not in a flood zone. They refused to listen to her even when we sent FEMA charts. They charged me {$5000.00} a year for flood and will not change the amount. The mortgage co. paid my house taxes on XX/XX/XXXX without my knowledge and when I sent them a check for the taxes they refused to accept it. They held on to the bank check for several months before they returned it to me and it was out of date. luckily my bank went the extra mile and gave me my money back. They are now foreclosing on me and in order to try and get a new mortgage I checked the liens on the property and found that they had put a XXXX mortgage on the property for {$570000.00}. I never got one cent more than the first payment. I can not get any bank to even look at me untiI straighten it out. Please help a XXXX out of this mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
The Credit Bureaus stated my accounts XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX, was properly investigated and verified on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but how is that possible if the dates last updated is inaccurate, the close date is inaccurate, My D.O.B. is inaccurate, payment dates are inaccurate or missing from XXXX, XXXX, XXXX. A collection that is inaccurate. XXXX violations total is XXXX, between the XXXX accounts. Transunion violation total is XXXX, between the XXXX accounts. Experian total violations total XXXX between the XXXX accounts. This is grounds for removal they also violated my rights under 15 U.S.C 1681 Section 602 A. States I have 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. 

Also, I have yet to receive documents or updated information from said agencies.

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 2022-09-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Why Bank of America and XXXX keep lying about what type of Loan this is? They keep reporting this is a Conventional Loan, knowing this is a XXXX XXXX. We built house in XXXX, XXXX finance. Loan was refinance one time in XXXX with BOA refinance for {$10000.00} dollar for remodeling. CFPB claim no # that was reported XXXX XXXX with BOA and XXXX XXXX. XXXX, XXXX, XXXX XXXX, they are lying about this is a Conventional Loan? This loan has XXXX Loan no # and XXXX FHA no #. We have never miss a Loan payment. This complaint is about Bank XXXX. BOA have a mortgage scan and it need to be investigated. Have them produce payment history starting XXXX We never had a Partial Claim. Our payment is {$1300.00}. We live here almost XXXX years we owe more on house now than when we built it. XXXX put {$400000.00} insurance on house cost {$3700.00} with the {$2600.00} we already had. Which made a total of {$6300.00} paid. Taxes not paid lien on the house. Have BOA show the payment history for XXXX, XXXX, XXXX, XXXX of XXXX ( XX/XX/XXXX someone from BOA call and said they wanted my husband to sign authorization to speak to me. That there is not a XXXX party on the loan. I inform her that XXXX XXXX and XXXX XXXX XXXX XXXX XXXX on the Deed. That XXXX XXXX XXXX is on the mortgage. I told her XXXX XXXX she call and said I need in writing authorization from my husband. I sent it over she said it wasn't his signature he sent another. She said she was setting up a security sight to communicate with us. It was through XXXX XXXX. We never heard from again. Later my husband signature showed up on a Subordinate deed document It was the last page only his signature. We never heard from her again, until XX/XX/XXXX. She call and said she was sending a form for us to sign. I told her we were not going to sign anything. I told her what happen before. She got mad and Close all Bank America claim from CFPB stating no 3rd party on the loan. ( We are not going to sign any documents from Bank America ) If they don't process these Complaints due to my name not on Loan I will go to Dept of Justice. My husband XXXX XXXX XXXX give me his wife XXXX XXXX XXXX XXXX on his behalf

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 2023-06-20
Company: Experian Information Solutions Inc.
State: IA
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 explanation
Consumer complaint received 2021-06-23
Company: HYUNDAI CAPITAL AMERICA
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:
I have been calling to try to get some consumer inquires off of my consumer report. Someone was trying to obtain a car in my name during the pandemic. Now the inquires are still on the account, which is a negative affect on my life currently.

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 2022-07-26
Company: Experian Information Solutions Inc.
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: 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 are required by law to do so. Please investigate my disputes, please. 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 explanation
Consumer complaint received 2022-02-03
Company: SYNCHRONY FINANCIAL
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:
XXXX 1. SYNCBXXXX XXXX Account Number : XXXX XXXX 1. XXXX XXXX Account Number : XXXX I was checking on my credit report and found this accounts with incorrect information for having me a late payment. I was never late in paying my accounts. As shown above, it appears that I have late payments recorded in XXXX and XXXX with account name SYNCBXXXX XXXX with account numbers XXXX. Hoping someone will lend me a hand in updating and correcting the comments on my account ASAP! I don't want this will affect my reputation and will cause of serious harm not only my ability to establish credit and good interest rates but also to my character as a professional and as an individual. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon. 

I know for certain that this is a violation of the law as mentioned in the following : 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
And under 15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

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: CAINE & WEINER COMPANY, INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: CREDIT ACCEPTANCE CORPORATION
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
My payment date was changed over the phone several months back. Due to my spouses death I have lost 40 % of my income. I spoke to a supervisor from the financial group and was told the date can not be changes and I now owe 2 payments which I can not make. They are not willing to work with me or ever listen to my issue. I just cant make these payment today as I have no funds. What can I 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 2023-09-17
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a XXXX check and the kept the funds even after it cleared

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 2021-06-23
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
On XX/XX/2021 I pulled my report and saw collections 8 or 9 of them. PORTFOLIO RECOVERY ASSOCIATES had reported me for 4 of the 9 collections. XXXX XXXX sold two accounts to them I know this because XXXX  XXXX wrote me two letters I have included. PORTFOLIO reported to the bureaus in a way that on paper it seems like 4 collections. I disputed thinking it was an accident but in return, PORTFOLIO sends me a letter that says verified and ignores the issue. This is how they did it. XXXX XXXX sold Acct # XXXX and Acct # XXXX PORTFOLIO reported it to XXXX  that way XXXX  as well but then reports to XXXX  like this Acct # XXXX which is the same as XXXX and Acct # XXXX which is the same as XXXX. The result is that it would impact my credit score tremendously as it has.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
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:
Company is not complying with their own policies in a timely manner.

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 2023-02-09
Company: Coinbase, Inc.
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have a Coinbase Card, which I used to purchase 1 night at a hotel. However, I cancelled this order with the hotel and they processed a refund. But the refund never got credited to my Coinbase Card balance. Here is a summary of events : 1 ) I cancelled a transaction with a hotel on XX/XX/XXXX. The amount was {$170.00}.

2 ) After several weeks, no refund. I contacted the hotel and they said it could take 6 weeks or 2 months to receive refund.

3 ) After 2 months of waiting, I contacted Coinbase about refund. Case number # XXXX on XX/XX/XXXX. 
4 ) They replied that transaction was reversed on XX/XX/XXXX and that will be credited to my account as USD. 
5 ) I saw no record of the refund, so I contacted again and was advised to call XXXX ( XXXX ) XXXX and speak with " XXXX ''. 
6 ) I called on XX/XX/XXXX and she said that this issue was already escalated by me on XX/XX/XXXX ( I had never contacted Coinbase about this issue before XXXX, so I don't know where that came from ). 
7 ) XXXX said I must wait another 90 days ( from " escalation date '' of XX/XX/XXXX, or from now ... it's ambiguous ) for the money to be credited to my account. She did not have great English skill, and went for long pauses ( 30-seconds plus ) without saying anything. 
8 ) I contacted them again on XX/XX/XXXX and still have not received any kind of meaningful assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-19
Company: EQUIFAX, 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: Account information incorrect

Complaint:
1. XXXX XXXX  Bankruptcy 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX  I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 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 explanation
Consumer complaint received 2023-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an email from Capitol One that a new checking account had been opened in my name. I called Capitol One to report the fraudulent account, and they confirmed the account was under my name and social security number, but would not give me any further information because the phone number linked to the account had been changed and was not my own. They will not give me any further information regarding the account nor confirm if it was closed. A few days after making the complaint, I then received a notification of a bounced check from the account and received a debit card for the account in the mail.

Company response to consumer: Closed with explanation